Menu

Trading Information in the Regular Market

2020 2019 2018
Par Value/Share (JD) 1.00 1.00 1.00
Closing Price (JD) 0.69 0.79 0.85
Value Traded (JD) 12,277,440 394,526 296,906
No. of Shares Traded 15,744,558 486,046 296,248
No. of Transactions 196 285 401
No. of Subscribed Shares 120,000,000 120,000,000 120,000,000
Market Capitalization (JD) 82,800,000 94,800,000 102,000,000
Fiscal Year Ended 31/12/2020 31/12/2019 31/12/2018

Assets (JD)

2020 2019 2018
Cash and Balances at Central Banks 96,851,544 71,264,135 91,872,118
Balances at Banks and Financial Institutions 79,318,273 36,642,539 61,995,613
Deposite at Banks and Financial Institutions 0 0 0
Financial Assets at Fair Value Through Profit 1,645,923 1,876,382 1,792,801
Financial Assets at Fair Value Through Other Comprehensive Income 29,053,113 11,105,937 11,915,302
Financial Assets at Amortized Cost 282,206,186 276,734,126 303,031,611
Investments in Affiliates 0 0 0
Direct Credit Facilities,Net 713,901,025 669,000,375 727,873,818
Provision for Credit Facilities 58,732,454 47,974,854 59,143,438
Interests in Suspense 18,848,757 14,079,271 17,684,794
Deferred Income Tax Assets 11,215,869 12,313,532 13,867,924
Fixed Assets,Net 21,872,682 22,430,397 27,817,839
Other Assets 115,956,950 285,225,599 113,402,510
Total Assets 1,352,021,565 1,386,593,022 1,353,569,536

Liabilities (JD)

2020 2019 2018
Customers Deposits 935,686,966 836,698,393 893,225,288
Banks & Financial Institutions Deposits 102,670,901 87,386,747 117,304,754
Cash Margins 41,822,602 56,572,215 84,417,327
Loans and Borrowing 103,564,728 96,083,582 83,481,873
Deferred Income Tax liabilities 0 50,388 14,107
Other Liabilities 28,809,581 170,602,923 41,082,256
Total Liabilities 1,212,554,778 1,247,394,248 1,219,525,605

Shareholders Equity (JD)

2020 2019 2018
Authorized Capital 120,000,000 120,000,000 120,000,000
Subscribed Capital 120,000,000 120,000,000 120,000,000
Paid in Capital 120,000,000 120,000,000 120,000,000
Legal Reserve 15,953,618 15,460,318 14,714,563
Voluntary Reserve 0 0 0
Other Reserves 0 4,087,368 2,597,047
Issuance Premium 0 0 0
Issuance Discount 0 0 0
Treasury Stocks 0 0 0
Cash Dividends 0 0 0
Stock Dividends 0 0 0
Foreign Currencies Translation 0 0 0
Accumulated Change in Fair Value -2,020,984 -2,211,406 -2,053,183
Retained Earnings 5,534,153 1,862,494 -1,214,496
Total Shareholders Equity 139,466,787 139,198,774 134,043,931
Non-controlling Interest 0 0 0
Total Liabilities & Shareholders Equity 1,352,021,565 1,386,593,022 1,353,569,536

Income Statement (JD)

2020 2019 2018
Interest Income 70,598,278 74,972,391 73,885,228
Interest Expense 37,073,917 43,982,003 44,272,757
Net Interest Income 33,524,361 30,990,388 29,612,471
Net Commissions Income 4,286,809 5,788,201 5,219,654
Interests & Commissions, Net 37,811,170 36,778,589 34,832,125
Gains from Financial Assets and Instruments -19,050 330,039 579,549
Gains from Foreign Currencies 947,731 1,129,852 1,012,327
Other Revenues 3,990,299 4,220,083 4,421,113
Total Income 42,730,150 42,458,563 40,845,114
Employees Expenses 12,802,688 13,764,527 13,936,382
Depreciation & Amortization 3,621,716 3,570,301 2,671,352
Other Expenses 13,462,179 14,755,027 13,780,136
Provision for Direct Credit and Facilities (period) 10,774,968 2,080,449 8,677,706
Sundry Provisions -528,732 749,720 -4,399,506
Bad Debts Written Off 0 0 0
Total Expenses 40,132,819 34,920,024 34,666,070
Net Income Before Tax 2,597,331 7,538,539 6,179,044
Income Tax (period) 2,028,828 2,170,473 1,094,678
Income Tax (Previous Years) 0 0 0
Universities and Research Train Fees 0 0 0
Board of Directors Remuniration 55,000 55,000 55,000
Net Income 513,503 5,313,066 5,029,366
Non-controlling Interest 0 0 0
Net Income Pertains to Shareholders 513,503 5,313,066 5,029,366

Cash Flow (JD)

2020 2019 2018
Cash Balance (Beginning) 80,519,927 52,554,551 121,577,176
Net Cash Flow from (Used in) Operating Activities 38,376,817 -4,882,032 -112,310,513
Net Cash Flow from (Used in) Investing Activities -7,755,007 19,806,663 24,192,627
Net Cash Flow from (Used in) Financing Activities 7,481,146 12,601,709 69,312,895
Differences in Exchange 397,236 439,036 290,739
Cash Balance (Ending) 119,020,119 80,519,927 103,062,924

Financial Ratios

2020 2019 2018
Turnover Ratio % 13.120 0.410 0.250
Earning Per Share (JD) 0.000 0.040 0.040
Dividend Per Share (JD) 0.000 0.000 0.000
Book Value Per Share (JD) 1.160 1.160 1.120
Price Earnings Ratio (Times) 161.250 17.840 20.280
Dividend Yield % 0.000 0.000 0.000
Dividend Per Share to Earning Per Share % 0.000 0.000 0.000
Price to Book Value (Times) 0.590 0.680 0.760
Return On Assets % 0.040 0.380 0.370
Return On Equity % 0.370 3.820 3.750
Net Interest and Commissions Income/Total Income % 88.490 86.620 85.280
Credit Interest/Credit Facilities, Net % 9.890 11.210 10.150
Net Income / Total Income % 1.200 12.510 12.310
Total Income / Total Assets % 3.160 3.060 3.020
(Provision for Credit Facilities+Interest in Suspense)/Credit Facilities % 10.870 9.280 10.560
Equity Ratio % 10.320 10.040 9.900
Shareholders Equity /Total Deposits % 13.430 15.060 13.260
Debt Ratio % 89.680 89.960 90.100
Total Deposits/Total Assets % 76.800 66.640 74.660
Net Credit Facilities to Total Assets % 52.800 48.250 53.770
Net Credit Facilities to Total Deposits % 68.750 72.400 72.030
Shareholders Equity to Credit Facilities,Net % 19.540 20.810 18.420
Quick Ratio (Times) 0.170 0.120 0.150
Cash & Investments to Total Deposits % 47.100 43.030 46.570
Cash + Trading Investments / Total Deposits (Times) 0.170 0.120 0.150