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CAIRO AMMAN BANK Financial

Trading Information in the Regular Market

2021 2020 2019
Par Value/Share (JD) 1.00 1.00 1.00
Closing Price (JD) 1.39 1.05 1.03
Value Traded (JD) 22,035,236 10,836,725 17,778,273
No. of Shares Traded 17,095,992 10,815,360 17,112,259
No. of Transactions 7,323 3,901 3,435
No. of Subscribed Shares 190,000,000 190,000,000 190,000,000
Market Capitalization (JD) 264,100,000 199,500,000 195,700,000
Fiscal Year Ended 31/12/2021 31/12/2020 31/12/2019

Assets (JD)

2021 2020 2019
Cash and Balances at Central Banks 413,494,719 312,961,419 332,657,295
Balances at Banks and Financial Institutions 121,528,244 154,796,630 158,785,257
Deposite at Banks and Financial Institutions 101,054,720 79,864,376 88,040,014
Financial Assets at Fair Value Through Profit 8,164,615 7,406,964 9,405,269
Financial Assets at Fair Value Through Other Comprehensive Income 65,792,741 49,648,977 51,254,453
Financial Assets at Amortized Cost 732,404,799 739,784,106 675,853,262
Investments in Affiliates 0 0 0
Direct Credit Facilities,Net 1,951,096,855 1,793,871,484 1,599,075,578
Provision for Credit Facilities 95,548,696 81,878,533 67,234,849
Interests in Suspense 10,625,131 13,082,278 11,088,805
Deferred Income Tax Assets 12,227,606 13,316,167 9,325,649
Fixed Assets,Net 43,770,756 42,602,959 42,521,471
Other Assets 164,273,178 158,982,395 162,724,387
Total Assets 3,613,808,233 3,353,235,477 3,129,642,635

Liabilities (JD)

2021 2020 2019
Customers Deposits 2,437,899,526 2,226,430,437 2,050,955,995
Banks & Financial Institutions Deposits 202,284,537 234,181,337 268,011,343
Cash Margins 59,546,408 56,958,241 58,704,352
Loans and Borrowing 363,909,865 314,384,118 254,366,692
Deferred Income Tax liabilities 865,668 808,967 804,942
Other Liabilities 151,903,274 145,183,428 137,569,945
Total Liabilities 3,216,409,278 2,977,946,528 2,770,413,269

Shareholders Equity (JD)

2021 2020 2019
Authorized Capital 190,000,000 190,000,000 190,000,000
Subscribed Capital 190,000,000 190,000,000 190,000,000
Paid in Capital 190,000,000 190,000,000 190,000,000
Legal Reserve 86,711,919 82,047,879 79,007,427
Voluntary Reserve 0 0 0
Other Reserves 15,236,082 14,791,836 14,748,850
Issuance Premium 0 0 0
Issuance Discount 0 0 0
Treasury Stocks 0 0 0
Cash Dividends 17,100,000 22,800,000 0
Stock Dividends 0 0 0
Foreign Currencies Translation -3,188,744 -3,188,744 0
Accumulated Change in Fair Value 3,797,698 -5,988,630 -7,848,900
Retained Earnings 77,381,206 66,160,274 73,967,732
Total Shareholders Equity 387,038,161 366,622,615 349,875,109
Non-controlling Interest 10,360,794 8,666,334 9,354,257
Total Liabilities & Shareholders Equity 3,613,808,233 3,353,235,477 3,129,642,635

Income Statement (JD)

2021 2020 2019
Interest Income 171,998,285 171,021,988 182,448,243
Interest Expense 56,111,893 62,398,051 80,335,190
Net Interest Income 115,886,392 108,623,937 102,113,053
Net Commissions Income 20,344,244 17,884,367 19,152,765
Interests & Commissions, Net 136,230,636 126,508,304 121,265,818
Gains from Financial Assets and Instruments 4,286,227 676,339 2,965,478
Gains from Foreign Currencies 4,416,809 4,532,786 4,688,219
Other Revenues 6,624,306 5,317,220 7,222,204
Total Income 151,557,978 137,034,649 136,141,719
Employees Expenses 44,066,237 41,942,021 41,971,934
Depreciation & Amortization 7,858,388 9,169,642 9,407,546
Other Expenses 33,080,498 33,417,987 31,636,118
Provision for Direct Credit and Facilities (period) 17,628,435 18,520,647 7,789,572
Sundry Provisions -2,534,046 2,633,762 561,192
Bad Debts Written Off 0 0 0
Total Expenses 100,099,512 105,684,059 91,366,362
Net Income Before Tax 51,458,466 31,350,590 44,775,357
Income Tax (period) 18,619,877 13,227,675 16,701,547
Income Tax (Previous Years) 0 0 0
Universities and Research Train Fees 0 0 0
Board of Directors Remuniration 150,292 649,658 567,000
Net Income 32,688,297 17,473,257 27,506,810
Non-controlling Interest -111,414 -687,923 -588,675
Net Income Pertains to Shareholders 32,799,711 18,161,180 28,095,485

Cash Flow (JD)

2021 2020 2019
Cash Balance (Beginning) 324,193,573 322,941,555 184,778,873
Net Cash Flow from (Used in) Operating Activities 64,589,559 9,704,939 258,613,024
Net Cash Flow from (Used in) Investing Activities -255,087 -72,776,756 -194,514,284
Net Cash Flow from (Used in) Financing Activities 26,725,747 60,017,426 69,552,819
Differences in Exchange 4,181,722 4,306,409 4,511,123
Cash Balance (Ending) 419,435,514 324,193,573 322,941,555

Financial Ratios

2021 2020 2019
Turnover Ratio % 9.000 5.690 9.010
Earning Per Share (JD) 0.170 0.100 0.150
Dividend Per Share (JD) 0.090 0.120 0.000
Book Value Per Share (JD) 2.040 1.930 1.840
Price Earnings Ratio (Times) 8.050 10.980 6.970
Dividend Yield % 6.470 11.430 0.000
Dividend Per Share to Earning Per Share % 52.130 125.540 0.000
Price to Book Value (Times) 0.680 0.540 0.560
Return On Assets % 0.900 0.520 0.880
Return On Equity % 8.470 4.950 8.030
Net Interest and Commissions Income/Total Income % 89.890 92.320 89.070
Credit Interest/Credit Facilities, Net % 8.820 9.530 11.410
Net Income / Total Income % 21.570 12.750 20.200
Total Income / Total Assets % 4.190 4.090 4.350
(Provision for Credit Facilities+Interest in Suspense)/Credit Facilities % 5.440 5.290 4.900
Equity Ratio % 11.000 11.190 11.480
Shareholders Equity /Total Deposits % 14.660 14.900 15.090
Debt Ratio % 89.000 88.810 88.520
Total Deposits/Total Assets % 73.060 73.380 74.100
Net Credit Facilities to Total Assets % 53.990 53.500 51.090
Net Credit Facilities to Total Deposits % 73.900 72.900 68.960
Shareholders Equity to Credit Facilities,Net % 19.840 20.440 21.880
Quick Ratio (Times) 0.240 0.230 0.250
Cash & Investments to Total Deposits % 54.630 54.640 56.750
Cash + Trading Investments / Total Deposits (Times) 0.210 0.190 0.220