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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) 1.93 2.10 2.45
Value Traded (JD) 10,003,692 13,683,529 220,621,114
No. of Shares Traded 5,196,989 6,416,409 88,771,497
No. of Transactions 3,485 3,029 6,230
No. of Subscribed Shares 200,000,000 200,000,000 200,000,000
Market Capitalization (JD) 386,000,000 420,000,000 490,000,000
Fiscal Year Ended 31/12/2020 31/12/2019 31/12/2018

Assets (JD)

2020 2019 2018
Cash and Balances at Central Banks 349,537,989 384,396,176 360,142,503
Balances at Banks and Financial Institutions 190,722,330 188,323,327 152,118,694
Deposite at Banks and Financial Institutions 89,525,567 208,123,765 235,435,227
Financial Assets at Fair Value Through Profit 15,157,042 628,716 169,677
Financial Assets at Fair Value Through Other Comprehensive Income 84,526,410 80,865,636 51,391,078
Financial Assets at Amortized Cost 348,454,969 272,535,799 203,395,684
Investments in Affiliates 0 0 0
Direct Credit Facilities,Net 1,466,739,098 1,409,525,437 1,469,239,659
Provision for Credit Facilities 141,725,555 112,104,787 97,004,644
Interests in Suspense 11,151,703 9,909,717 8,874,467
Deferred Income Tax Assets 21,808,399 22,804,298 18,580,246
Fixed Assets,Net 53,993,594 52,802,587 34,344,020
Other Assets 91,948,589 88,095,785 94,263,422
Total Assets 2,712,413,987 2,708,101,526 2,619,080,210

Liabilities (JD)

2020 2019 2018
Customers Deposits 1,909,187,576 1,919,098,107 1,867,792,486
Banks & Financial Institutions Deposits 70,762,354 151,244,578 145,242,827
Cash Margins 119,819,309 120,593,921 117,268,917
Loans and Borrowing 84,582,326 23,667,921 4,557,811
Deferred Income Tax liabilities 48,946 3,081,065 3,296,665
Other Liabilities 65,606,428 70,308,909 63,464,457
Total Liabilities 2,250,006,939 2,287,994,501 2,201,623,163

Shareholders Equity (JD)

2020 2019 2018
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 99,190,875 94,065,645 87,947,294
Voluntary Reserve 46,537 134,165 134,330
Other Reserves 8,654,069 8,046,234 8,107,489
Issuance Premium 0 0 0
Issuance Discount 0 0 0
Treasury Stocks 0 0 0
Cash Dividends 24,000,000 0 36,000,000
Stock Dividends 0 0 0
Foreign Currencies Translation -12,855,521 -12,268,120 -12,256,254
Accumulated Change in Fair Value -6,092,218 24,954,157 26,668,016
Retained Earnings 141,814,735 99,400,640 65,289,732
Total Shareholders Equity 454,758,477 414,332,721 411,890,607
Non-controlling Interest 7,648,571 5,774,304 5,566,440
Total Liabilities & Shareholders Equity 2,712,413,987 2,708,101,526 2,619,080,210

Income Statement (JD)

2020 2019 2018
Interest Income 136,687,914 159,814,954 147,810,673
Interest Expense 28,779,524 43,447,831 37,072,130
Net Interest Income 107,908,390 116,367,123 110,738,543
Net Commissions Income 19,847,212 23,743,185 24,597,018
Interests & Commissions, Net 127,755,602 140,110,308 135,335,561
Gains from Financial Assets and Instruments 19,218,974 723,721 519,591
Gains from Foreign Currencies 2,642,709 3,233,546 2,447,014
Other Revenues 3,865,275 5,336,976 3,440,414
Total Income 153,482,560 149,404,551 141,742,580
Employees Expenses 30,980,308 33,497,668 35,500,079
Depreciation & Amortization 9,254,938 8,726,851 5,116,629
Other Expenses 60,337,505 45,496,807 37,164,891
Provision for Direct Credit and Facilities (period) 0 0 0
Sundry Provisions 781,231 498,064 947,049
Bad Debts Written Off 0 0 0
Total Expenses 101,353,982 88,219,390 78,728,648
Net Income Before Tax 52,128,578 61,185,161 63,013,932
Income Tax (period) 16,606,516 20,752,116 21,714,509
Income Tax (Previous Years) 0 0 0
Universities and Research Train Fees 0 0 0
Board of Directors Remuniration 55,000 55,000 55,000
Net Income 35,467,062 40,378,045 41,244,423
Non-controlling Interest -327,536 214,789 -283,117
Net Income Pertains to Shareholders 35,794,598 40,163,256 41,527,540

Cash Flow (JD)

2020 2019 2018
Cash Balance (Beginning) 434,442,966 381,389,401 476,846,860
Net Cash Flow from (Used in) Operating Activities 53,178,406 188,257,799 -19,445,720
Net Cash Flow from (Used in) Investing Activities -81,344,217 -102,697,876 59,080,895
Net Cash Flow from (Used in) Financing Activities 4,110,492 -35,752,514 -35,916,117
Differences in Exchange 2,530,549 3,246,156 2,165,919
Cash Balance (Ending) 412,918,196 434,442,966 482,731,837

Financial Ratios

2020 2019 2018
Turnover Ratio % 2.600 3.210 44.390
Earning Per Share (JD) 0.180 0.200 0.210
Dividend Per Share (JD) 0.120 0.000 0.180
Book Value Per Share (JD) 2.270 2.070 2.060
Price Earnings Ratio (Times) 10.780 10.460 11.800
Dividend Yield % 6.220 0.000 7.350
Dividend Per Share to Earning Per Share % 67.050 0.000 86.690
Price to Book Value (Times) 0.850 1.010 1.190
Return On Assets % 1.310 1.490 1.570
Return On Equity % 7.870 9.690 10.080
Net Interest and Commissions Income/Total Income % 83.240 93.780 95.480
Credit Interest/Credit Facilities, Net % 9.320 11.340 10.060
Net Income / Total Income % 23.110 27.030 29.100
Total Income / Total Assets % 5.660 5.520 5.410
(Provision for Credit Facilities+Interest in Suspense)/Credit Facilities % 10.420 8.660 7.210
Equity Ratio % 17.050 15.510 15.940
Shareholders Equity /Total Deposits % 22.970 20.010 20.460
Debt Ratio % 82.950 84.490 84.060
Total Deposits/Total Assets % 73.000 76.450 76.860
Net Credit Facilities to Total Assets % 54.080 52.050 56.100
Net Credit Facilities to Total Deposits % 74.080 68.080 72.990
Shareholders Equity to Credit Facilities,Net % 31.000 29.400 28.030
Quick Ratio (Times) 0.330 0.380 0.370
Cash & Investments to Total Deposits % 54.440 54.820 49.810
Cash + Trading Investments / Total Deposits (Times) 0.280 0.280 0.250