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THE HOUSING BANK FOR TRADE AND FINANCE Financial

Trading Information in the Regular Market

2021 2020 2019
Par Value/Share (JD) 1.00 1.00 1.00
Closing Price (JD) 3.70 3.00 5.48
Value Traded (JD) 70,543,448 9,419,442 4,461,342
No. of Shares Traded 16,114,572 1,861,499 588,168
No. of Transactions 3,639 1,002 1,038
No. of Subscribed Shares 315,000,000 315,000,000 315,000,000
Market Capitalization (JD) 1,165,500,000 945,000,000 1,726,200,000
Fiscal Year Ended 31/12/2021 31/12/2020 31/12/2019

Assets (JD)

2021 2020 2019
Cash and Balances at Central Banks 1,006,941,503 1,125,774,294 1,114,595,764
Balances at Banks and Financial Institutions 410,798,114 360,632,307 452,515,681
Deposite at Banks and Financial Institutions 50,637,962 53,681,863 56,296,849
Financial Assets at Fair Value Through Profit 4,630,805 4,455,791 3,673,524
Financial Assets at Fair Value Through Other Comprehensive Income 376,198,378 371,882,600 388,454,051
Financial Assets at Amortized Cost 1,992,268,062 1,833,842,295 1,826,623,951
Investments in Affiliates 0 0 0
Direct Credit Facilities,Net 3,946,912,354 4,107,434,132 4,158,821,005
Provision for Credit Facilities 453,472,108 431,232,121 333,607,743
Interests in Suspense 132,848,537 115,106,958 106,315,586
Deferred Income Tax Assets 122,196,386 105,241,081 77,273,667
Fixed Assets,Net 167,054,195 174,997,134 185,136,052
Other Assets 167,644,507 168,107,720 175,847,597
Total Assets 8,245,282,266 8,306,049,217 8,439,238,141

Liabilities (JD)

2021 2020 2019
Customers Deposits 5,213,190,466 5,466,474,965 5,810,512,968
Banks & Financial Institutions Deposits 844,625,678 777,725,622 725,249,222
Cash Margins 270,741,937 234,263,330 267,507,285
Loans and Borrowing 362,265,848 314,578,622 158,310,466
Deferred Income Tax liabilities 6,853,746 8,981,193 6,569,323
Other Liabilities 330,800,416 342,167,977 347,275,035
Total Liabilities 7,028,478,091 7,144,191,709 7,315,424,299

Shareholders Equity (JD)

2021 2020 2019
Authorized Capital 315,000,000 315,000,000 315,000,000
Subscribed Capital 315,000,000 315,000,000 315,000,000
Paid in Capital 315,000,000 315,000,000 315,000,000
Legal Reserve 257,997,671 243,461,008 235,755,327
Voluntary Reserve 0 0 0
Other Reserves 11,459,758 11,433,336 11,184,797
Issuance Premium 328,147,537 328,147,537 328,147,537
Issuance Discount 0 0 0
Treasury Stocks 0 0 0
Cash Dividends 63,000,000 37,800,000 0
Stock Dividends 0 0 0
Foreign Currencies Translation -128,208,080 -120,824,117 -112,455,441
Accumulated Change in Fair Value 3,542,409 9,654,188 5,400,864
Retained Earnings 304,183,950 276,125,834 285,267,050
Total Shareholders Equity 1,155,123,245 1,100,797,786 1,068,300,134
Non-controlling Interest 61,680,930 61,059,722 55,513,708
Total Liabilities & Shareholders Equity 8,245,282,266 8,306,049,217 8,439,238,141

Income Statement (JD)

2021 2020 2019
Interest Income 372,626,699 406,430,724 446,277,759
Interest Expense 72,474,861 101,908,773 149,533,212
Net Interest Income 300,151,838 304,521,951 296,744,547
Net Commissions Income 23,284,063 21,830,553 26,785,632
Interests & Commissions, Net 323,435,901 326,352,504 323,530,179
Gains from Financial Assets and Instruments -1,262,747 2,535,915 237,418
Gains from Foreign Currencies 8,016,189 9,402,822 10,449,425
Other Revenues 24,825,386 26,003,749 26,762,472
Total Income 355,014,729 364,294,990 360,979,494
Employees Expenses 76,056,374 76,664,447 82,900,919
Depreciation & Amortization 24,973,545 24,525,115 22,830,232
Other Expenses 54,325,243 56,743,141 54,146,653
Provision for Direct Credit and Facilities (period) 50,066,333 122,561,051 55,135,145
Sundry Provisions -13,510,427 6,146,456 13,791,593
Bad Debts Written Off 0 0 0
Total Expenses 191,911,068 286,640,210 228,804,542
Net Income Before Tax 163,103,661 77,654,780 132,174,952
Income Tax (period) 53,004,145 35,148,526 48,467,752
Income Tax (Previous Years) 0 0 0
Universities and Research Train Fees 0 0 0
Board of Directors Remuniration 0 0 0
Net Income 110,099,516 42,506,254 83,707,200
Non-controlling Interest 4,478,315 5,891,900 2,840,635
Net Income Pertains to Shareholders 105,621,201 36,614,354 80,866,565

Cash Flow (JD)

2021 2020 2019
Cash Balance (Beginning) 771,041,221 909,289,435 1,267,129,014
Net Cash Flow from (Used in) Operating Activities 80,901,916 -250,599,820 31,306,599
Net Cash Flow from (Used in) Investing Activities -187,850,424 7,110,745 -360,297,509
Net Cash Flow from (Used in) Financing Activities 4,998,158 153,734,733 -32,858,547
Differences in Exchange -15,744,711 -48,493,872 4,009,878
Cash Balance (Ending) 653,346,160 771,041,221 909,289,435

Financial Ratios

2021 2020 2019
Turnover Ratio % 5.120 0.590 0.190
Earning Per Share (JD) 0.340 0.120 0.260
Dividend Per Share (JD) 0.200 0.120 0.000
Book Value Per Share (JD) 3.670 3.490 3.390
Price Earnings Ratio (Times) 11.030 25.810 21.350
Dividend Yield % 5.410 4.000 0.000
Dividend Per Share to Earning Per Share % 59.650 103.240 0.000
Price to Book Value (Times) 1.010 0.860 1.620
Return On Assets % 1.340 0.510 0.990
Return On Equity % 9.140 3.330 7.570
Net Interest and Commissions Income/Total Income % 91.100 89.580 89.630
Credit Interest/Credit Facilities, Net % 9.440 9.900 10.730
Net Income / Total Income % 31.010 11.670 23.190
Total Income / Total Assets % 4.310 4.390 4.280
(Provision for Credit Facilities+Interest in Suspense)/Credit Facilities % 14.860 13.300 10.580
Equity Ratio % 14.760 13.990 13.320
Shareholders Equity /Total Deposits % 19.070 17.630 16.350
Debt Ratio % 85.240 86.010 86.680
Total Deposits/Total Assets % 73.470 75.180 77.440
Net Credit Facilities to Total Assets % 47.870 49.450 49.280
Net Credit Facilities to Total Deposits % 65.150 65.780 63.630
Shareholders Equity to Credit Facilities,Net % 29.270 26.800 25.690
Quick Ratio (Times) 0.240 0.250 0.250
Cash & Investments to Total Deposits % 63.410 60.060 58.790
Cash + Trading Investments / Total Deposits (Times) 0.230 0.240 0.240