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Trading Information in the Regular Market

2020 2019 2018
Par Value/Share (JD) 1.00 1.00 1.00
Closing Price (JD) 1.56 1.61 1.60
Value Traded (JD) 2,565,983 60,962,142 4,597,308
No. of Shares Traded 1,645,396 40,331,969 2,798,385
No. of Transactions 1,148 1,407 1,925
No. of Subscribed Shares 160,000,000 160,000,000 160,000,000
Market Capitalization (JD) 249,600,000 257,600,000 256,000,000
Fiscal Year Ended 31/12/2020 31/12/2019 31/12/2018

Assets (JD)

2020 2019 2018
Cash and Balances at Central Banks 721,060,432 563,867,223 333,205,500
Balances at Banks and Financial Institutions 397,084,528 330,805,729 248,264,111
Deposite at Banks and Financial Institutions 4,448,457 3,000,000 4,258,890
Financial Assets at Fair Value Through Profit 15,219,896 16,535,618 13,478,492
Financial Assets at Fair Value Through Other Comprehensive Income 31,654,110 32,313,468 28,530,920
Financial Assets at Amortized Cost 904,003,434 765,573,933 765,692,190
Investments in Affiliates 349,507 354,022 376,618
Direct Credit Facilities,Net 2,951,628,133 2,635,851,371 2,277,918,456
Provision for Credit Facilities 119,482,614 97,016,801 87,648,181
Interests in Suspense 16,995,241 16,683,041 16,198,168
Deferred Income Tax Assets 25,652,474 12,891,744 11,957,746
Fixed Assets,Net 68,782,265 72,138,592 74,486,185
Other Assets 153,821,760 146,344,285 109,900,024
Total Assets 5,273,704,996 4,579,675,985 3,868,069,132

Liabilities (JD)

2020 2019 2018
Customers Deposits 4,003,010,992 3,575,967,461 2,988,949,545
Banks & Financial Institutions Deposits 280,688,045 149,997,070 96,687,828
Cash Margins 251,302,459 185,698,024 141,814,536
Loans and Borrowing 90,152,003 65,169,905 85,236,262
Deferred Income Tax liabilities 0 0 0
Other Liabilities 142,148,155 123,599,412 88,133,817
Total Liabilities 4,767,301,654 4,100,431,872 3,400,821,988

Shareholders Equity (JD)

2020 2019 2018
Authorized Capital 160,000,000 160,000,000 160,000,000
Subscribed Capital 160,000,000 160,000,000 160,000,000
Paid in Capital 160,000,000 160,000,000 160,000,000
Legal Reserve 61,004,473 56,257,522 49,410,187
Voluntary Reserve 41,829,012 38,833,125 34,279,172
Other Reserves 0 0 0
Issuance Premium 80,213,173 80,213,173 80,213,173
Issuance Discount 0 0 0
Treasury Stocks 0 0 0
Cash Dividends 16,000,000 0 22,400,000
Stock Dividends 0 0 0
Foreign Currencies Translation 0 0 0
Accumulated Change in Fair Value -2,609,036 372,413 -727,049
Retained Earnings 51,518,099 51,596,833 31,166,049
Total Shareholders Equity 407,955,721 387,273,066 376,741,532
Non-controlling Interest 98,447,621 91,971,047 90,505,612
Total Liabilities & Shareholders Equity 5,273,704,996 4,579,675,985 3,868,069,132

Income Statement (JD)

2020 2019 2018
Interest Income 253,496,049 252,884,755 216,761,089
Interest Expense 102,662,234 116,446,250 88,809,011
Net Interest Income 150,833,815 136,438,505 127,952,078
Net Commissions Income 22,413,261 25,990,001 23,849,404
Interests & Commissions, Net 173,247,076 162,428,506 151,801,482
Gains from Financial Assets and Instruments 3,062,722 1,350,527 -1,432,701
Gains from Foreign Currencies 6,750,040 6,964,464 5,854,006
Other Revenues 1,462,085 1,469,127 1,345,552
Total Income 184,521,923 172,212,624 157,568,339
Employees Expenses 44,157,399 46,521,562 43,123,071
Depreciation & Amortization 18,009,344 15,936,845 11,025,351
Other Expenses 34,691,646 30,300,774 28,596,750
Provision for Direct Credit and Facilities (period) 37,716,396 18,528,623 13,064,868
Sundry Provisions 2,911,603 -537,518 -880,347
Bad Debts Written Off 0 0 0
Total Expenses 137,486,388 110,750,286 94,929,693
Net Income Before Tax 47,035,535 61,462,338 62,638,646
Income Tax (period) 16,862,741 23,329,865 21,444,297
Income Tax (Previous Years) 0 0 0
Universities and Research Train Fees 0 0 0
Board of Directors Remuniration 128,750 116,250 108,438
Net Income 30,044,044 38,016,223 41,085,911
Non-controlling Interest 6,476,574 6,402,549 5,349,329
Net Income Pertains to Shareholders 23,567,470 31,613,674 35,736,582

Cash Flow (JD)

2020 2019 2018
Cash Balance (Beginning) 783,603,025 487,189,265 600,016,203
Net Cash Flow from (Used in) Operating Activities 180,917,627 360,851,690 70,906,998
Net Cash Flow from (Used in) Investing Activities -154,821,392 -15,217,404 -164,168,929
Net Cash Flow from (Used in) Financing Activities 41,911,779 -51,508,148 -21,479,570
Differences in Exchange 3,079,791 2,287,622 1,914,563
Cash Balance (Ending) 854,690,830 783,603,025 487,189,265

Financial Ratios

2020 2019 2018
Turnover Ratio % 1.030 25.210 1.750
Earning Per Share (JD) 0.150 0.200 0.220
Dividend Per Share (JD) 0.100 0.000 0.140
Book Value Per Share (JD) 2.550 2.420 2.350
Price Earnings Ratio (Times) 10.590 8.150 7.160
Dividend Yield % 6.410 0.000 8.750
Dividend Per Share to Earning Per Share % 67.890 0.000 62.680
Price to Book Value (Times) 0.610 0.670 0.680
Return On Assets % 0.570 0.830 1.060
Return On Equity % 5.780 8.160 9.490
Net Interest and Commissions Income/Total Income % 93.890 94.320 96.340
Credit Interest/Credit Facilities, Net % 8.590 9.590 9.520
Net Income / Total Income % 16.280 22.080 26.070
Total Income / Total Assets % 3.500 3.760 4.070
(Provision for Credit Facilities+Interest in Suspense)/Credit Facilities % 4.620 4.310 4.560
Equity Ratio % 9.600 10.460 12.080
Shareholders Equity /Total Deposits % 9.520 10.390 12.210
Debt Ratio % 90.400 89.540 87.920
Total Deposits/Total Assets % 81.230 81.360 79.770
Net Credit Facilities to Total Assets % 55.970 57.560 58.890
Net Credit Facilities to Total Deposits % 68.900 70.740 73.820
Shareholders Equity to Credit Facilities,Net % 13.820 14.690 16.540
Quick Ratio (Times) 0.270 0.250 0.190
Cash & Investments to Total Deposits % 48.410 45.960 45.170
Cash + Trading Investments / Total Deposits (Times) 0.260 0.240 0.190