Menu

CAPITAL BANK OF JORDAN Financial

Trading Information in the Regular Market

2021 2020 2019
Par Value/Share (JD) 1.00 1.00 1.00
Closing Price (JD) 2.03 0.98 1.00
Value Traded (JD) 53,618,418 37,277,016 30,806,797
No. of Shares Traded 36,054,017 39,445,625 30,690,946
No. of Transactions 11,866 5,727 4,849
No. of Subscribed Shares 200,000,000 200,000,000 200,000,000
Market Capitalization (JD) 406,000,000 196,000,000 200,000,000
Fiscal Year Ended 31/12/2021 31/12/2020 31/12/2019

Assets (JD)

2021 2020 2019
Cash and Balances at Central Banks 425,840,132 295,853,517 205,186,455
Balances at Banks and Financial Institutions 312,546,731 142,537,265 98,268,335
Deposite at Banks and Financial Institutions 0 0 403,875
Financial Assets at Fair Value Through Profit 82,883,298 112,529,504 3,054,812
Financial Assets at Fair Value Through Other Comprehensive Income 195,500,838 89,577,134 61,550,820
Financial Assets at Amortized Cost 987,021,419 563,884,457 482,827,092
Investments in Affiliates 0 0 0
Direct Credit Facilities,Net 2,031,147,338 1,302,958,951 983,024,041
Provision for Credit Facilities 120,553,953 66,970,133 45,854,073
Interests in Suspense 35,353,857 23,437,800 17,935,469
Deferred Income Tax Assets 19,350,284 15,562,847 14,845,952
Fixed Assets,Net 66,322,336 38,873,085 29,444,459
Other Assets 190,693,039 187,028,557 307,768,158
Total Assets 4,311,305,415 2,748,805,317 2,186,373,999

Liabilities (JD)

2021 2020 2019
Customers Deposits 2,770,807,278 1,674,212,806 1,306,022,582
Banks & Financial Institutions Deposits 381,144,289 138,058,853 113,793,443
Cash Margins 233,663,764 151,723,382 169,009,566
Loans and Borrowing 414,265,782 329,991,227 165,319,524
Deferred Income Tax liabilities 2,881,882 2,815,978 2,616,165
Other Liabilities 116,391,784 96,315,761 82,133,673
Total Liabilities 3,919,154,779 2,393,118,007 1,838,894,953

Shareholders Equity (JD)

2021 2020 2019
Authorized Capital 200,000,000 200,000,000 200,000,000
Subscribed Capital 200,000,000 200,000,000 200,000,000
Paid in Capital 200,000,000 200,000,000 200,000,000
Legal Reserve 56,114,618 44,186,425 41,201,491
Voluntary Reserve 0 0 0
Other Reserves 0 0 0
Issuance Premium 709,472 709,472 709,472
Issuance Discount 0 0 0
Treasury Stocks 0 2,707,491 0
Cash Dividends 30,000,000 24,000,000 0
Stock Dividends 0 0 0
Foreign Currencies Translation -16,540,837 -16,540,837 -5,223,143
Accumulated Change in Fair Value 813,120 3,619,029 1,636,797
Retained Earnings 91,913,754 54,096,479 55,404,849
Total Shareholders Equity 363,010,127 307,363,077 293,729,466
Non-controlling Interest 29,140,509 48,324,233 53,749,580
Total Liabilities & Shareholders Equity 4,311,305,415 2,748,805,317 2,186,373,999

Income Statement (JD)

2021 2020 2019
Interest Income 180,718,962 130,286,038 114,725,887
Interest Expense 78,712,392 61,216,002 59,831,061
Net Interest Income 102,006,570 69,070,036 54,894,826
Net Commissions Income 24,942,332 24,413,902 25,045,979
Interests & Commissions, Net 126,948,902 93,483,938 79,940,805
Gains from Financial Assets and Instruments 358,295 1,304,279 1,143,995
Gains from Foreign Currencies 4,414,507 11,648,029 2,541,112
Other Revenues 31,157,290 4,224,694 10,035,130
Total Income 162,878,994 110,660,940 93,661,042
Employees Expenses 32,744,132 21,508,460 23,492,944
Depreciation & Amortization 10,276,339 6,347,745 6,056,762
Other Expenses 29,192,654 20,240,105 18,487,166
Provision for Direct Credit and Facilities (period) 19,955,072 24,545,414 7,009,726
Sundry Provisions -25,214 11,702 1,352,587
Bad Debts Written Off 0 0 0
Total Expenses 92,142,983 72,653,426 56,399,185
Net Income Before Tax 70,736,011 38,007,514 37,261,857
Income Tax (period) 9,729,187 7,705,436 8,312,080
Income Tax (Previous Years) 0 0 0
Universities and Research Train Fees 0 0 0
Board of Directors Remuniration 0 0 133,000
Net Income 61,006,824 30,302,078 28,816,777
Non-controlling Interest -17,806,509 4,345,999 3,715,941
Net Income Pertains to Shareholders 78,813,333 25,956,079 25,100,836

Cash Flow (JD)

2021 2020 2019
Cash Balance (Beginning) 263,032,649 164,728,916 231,548,826
Net Cash Flow from (Used in) Operating Activities 281,531,941 68,741,872 -83,555,007
Net Cash Flow from (Used in) Investing Activities -293,658,809 -108,197,683 -14,814,346
Net Cash Flow from (Used in) Financing Activities 54,880,813 132,505,770 31,762,584
Differences in Exchange 0 5,253,774 -213,141
Cash Balance (Ending) 305,786,594 263,032,649 164,728,916

Financial Ratios

2021 2020 2019
Turnover Ratio % 18.030 19.720 15.350
Earning Per Share (JD) 0.390 0.130 0.130
Dividend Per Share (JD) 0.150 0.120 0.000
Book Value Per Share (JD) 1.820 1.540 1.470
Price Earnings Ratio (Times) 5.150 7.550 7.970
Dividend Yield % 7.390 12.240 0.000
Dividend Per Share to Earning Per Share % 38.060 92.460 0.000
Price to Book Value (Times) 1.120 0.640 0.680
Return On Assets % 1.420 1.100 1.320
Return On Equity % 21.710 8.440 8.550
Net Interest and Commissions Income/Total Income % 77.940 84.480 85.350
Credit Interest/Credit Facilities, Net % 8.900 10.000 11.670
Net Income / Total Income % 37.460 27.380 30.770
Total Income / Total Assets % 3.780 4.030 4.280
(Provision for Credit Facilities+Interest in Suspense)/Credit Facilities % 7.680 6.940 6.490
Equity Ratio % 9.100 12.940 15.890
Shareholders Equity /Total Deposits % 11.520 16.960 20.690
Debt Ratio % 90.900 87.060 84.110
Total Deposits/Total Assets % 73.110 65.930 64.940
Net Credit Facilities to Total Assets % 47.110 47.400 44.960
Net Credit Facilities to Total Deposits % 64.440 71.900 69.240
Shareholders Equity to Credit Facilities,Net % 17.870 23.590 29.880
Quick Ratio (Times) 0.260 0.300 0.220
Cash & Investments to Total Deposits % 63.570 66.460 59.960
Cash + Trading Investments / Total Deposits (Times) 0.260 0.300 0.220