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Trading Information in the Regular Market

	2021	2020	2019
Par Value/Share (JD)	1.00	1.00	1.00
Closing Price (JD)	1.46	1.22	1.29
Value Traded (JD)	1,477,236	1,166,714	9,280,638
No. of Shares Traded	1,072,100	904,244	7,691,020
No. of Transactions	872	386	330
No. of Subscribed Shares	100,000,000	100,000,000	100,000,000
Market Capitalization (JD)	146,000,000	122,000,000	129,000,000
Fiscal Year Ended	31/12/2021	31/12/2020	31/12/2019

Assets (JD)

	2021	2020	2019
Cash and Balances at Central Banks	97,358,858	90,377,554	120,759,451
Balances at Banks and Financial Institutions	64,351,278	70,941,436	57,764,189
Deposite at Banks and Financial Institutions	0	399,949	6,752,924
Financial Assets at Fair Value Through Profit	1	5,961	9,667
Financial Assets at Fair Value Through Other Comprehensive Income	37,815,983	39,243,610	43,941,650
Financial Assets at Amortized Cost	187,390,518	172,871,636	169,034,592
Investments in Affiliates	0	0	0
Direct Credit Facilities,Net	788,635,277	731,932,007	674,286,869
Provision for Credit Facilities	40,395,071	42,382,980	37,578,723
Interests in Suspense	14,184,774	10,471,202	8,227,470
Deferred Income Tax Assets	15,801,272	17,118,215	11,472,794
Fixed Assets,Net	28,435,476	29,030,141	29,525,829
Other Assets	61,248,166	72,538,667	65,231,372
Total Assets	1,281,036,829	1,224,459,176	1,178,779,337

Liabilities (JD)

	2021	2020	2019
Customers Deposits	792,518,004	766,814,623	764,774,867
Banks & Financial Institutions Deposits	28,778,165	30,489,935	12,923,564
Cash Margins	31,587,528	35,650,789	37,955,674
Loans and Borrowing	196,973,301	166,797,207	130,176,032
Deferred Income Tax liabilities	3,490,066	5,117,743	7,337,607
Other Liabilities	42,278,034	37,900,353	43,600,704
Total Liabilities	1,095,625,098	1,042,770,650	996,768,448

Shareholders Equity (JD)

	2021	2020	2019
Authorized Capital	100,000,000	100,000,000	100,000,000
Subscribed Capital	100,000,000	100,000,000	100,000,000
Paid in Capital	100,000,000	100,000,000	100,000,000
Legal Reserve	33,371,695	30,643,329	29,728,357
Voluntary Reserve	0	0	0
Other Reserves	0	0	0
Issuance Premium	0	0	0
Issuance Discount	0	0	0
Treasury Stocks	0	0	0
Cash Dividends	10,000,000	12,000,000	0
Stock Dividends	0	0	0
Foreign Currencies Translation	0	0	0
Accumulated Change in Fair Value	6,362,363	8,560,247	12,255,295
Retained Earnings	32,612,312	27,363,524	35,387,832
Total Shareholders Equity	182,346,370	178,567,100	177,371,484
Non-controlling Interest	3,065,361	3,121,426	4,639,405
Total Liabilities & Shareholders Equity	1,281,036,829	1,224,459,176	1,178,779,337

Income Statement (JD)

	2021	2020	2019
Interest Income	70,059,733	70,374,650	76,460,109
Interest Expense	32,653,622	35,307,973	41,859,280
Net Interest Income	37,406,111	35,066,677	34,600,829
Net Commissions Income	11,975,918	9,901,433	10,959,626
Interests & Commissions, Net	49,382,029	44,968,110	45,560,455
Gains from Financial Assets and Instruments	2,090,468	3,504,766	3,423,032
Gains from Foreign Currencies	818,282	719,047	957,015
Other Revenues	2,669,320	2,462,299	3,518,415
Total Income	54,960,099	51,654,222	53,458,917
Employees Expenses	15,238,304	15,197,704	15,778,464
Depreciation & Amortization	2,809,188	2,956,666	3,176,892
Other Expenses	8,995,272	8,311,553	8,956,692
Provision for Direct Credit and Facilities (period)	-1,719,244	15,633,255	2,155,060
Sundry Provisions	1,115,001	1,237,388	481,274
Bad Debts Written Off	0	0	0
Total Expenses	26,438,521	43,336,566	30,548,382
Net Income Before Tax	28,521,578	8,317,656	22,910,535
Income Tax (period)	10,011,669	1,861,067	6,810,519
Income Tax (Previous Years)	0	0	0
Universities and Research Train Fees	0	0	0
Board of Directors Remuniration	506,576	453,320	0
Net Income	18,003,333	6,003,269	16,100,016
Non-controlling Interest	191,182	244,311	416,215
Net Income Pertains to Shareholders	17,812,151	5,758,958	15,683,801

Cash Flow (JD)

	2021	2020	2019
Cash Balance (Beginning)	130,830,113	165,665,376	180,723,437
Net Cash Flow from (Used in) Operating Activities	903,773	-57,193,744	34,628,960
Net Cash Flow from (Used in) Investing Activities	-18,046,167	-9,869,268	-51,571,598
Net Cash Flow from (Used in) Financing Activities	19,222,535	32,211,828	1,857,402
Differences in Exchange	21,754	15,921	27,175
Cash Balance (Ending)	132,932,008	130,830,113	165,665,376

Financial Ratios

	2021	2020	2019
Turnover Ratio %	1.070	0.900	7.690
Earning Per Share (JD)	0.180	0.060	0.160
Dividend Per Share (JD)	0.100	0.120	0.000
Book Value Per Share (JD)	1.820	1.790	1.770
Price Earnings Ratio (Times)	8.200	21.180	8.230
Dividend Yield %	6.850	9.840	0.000
Dividend Per Share to Earning Per Share %	56.140	208.370	0.000
Price to Book Value (Times)	0.800	0.680	0.730
Return On Assets %	1.410	0.490	1.370
Return On Equity %	9.770	3.230	8.840
Net Interest and Commissions Income/Total Income %	89.850	87.060	85.230
Credit Interest/Credit Facilities, Net %	8.880	9.610	11.340
Net Income / Total Income %	32.760	11.620	30.120
Total Income / Total Assets %	4.290	4.220	4.540
(Provision for Credit Facilities+Interest in Suspense)/Credit Facilities %	6.920	7.220	6.790
Equity Ratio %	14.470	14.840	15.440
Shareholders Equity /Total Deposits %	22.200	22.400	22.810
Debt Ratio %	85.530	85.160	84.560
Total Deposits/Total Assets %	64.110	65.110	65.970
Net Credit Facilities to Total Assets %	61.560	59.780	57.200
Net Credit Facilities to Total Deposits %	96.020	91.800	86.700
Shareholders Equity to Credit Facilities,Net %	23.120	24.400	26.310
Quick Ratio (Times)	0.200	0.200	0.240
Cash & Investments to Total Deposits %	47.110	46.890	51.210
Cash + Trading Investments / Total Deposits (Times)	0.200	0.200	0.230

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