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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) 4.12 5.75 6.21
Value Traded (JD) 98,168,698 347,311,905 323,474,807
No. of Shares Traded 21,522,546 58,991,166 49,431,636
No. of Transactions 14,640 17,749 26,799
No. of Subscribed Shares 640,800,000 640,800,000 640,800,000
Market Capitalization (JD) 2,640,096,000 3,684,600,000 3,979,368,000
Fiscal Year Ended 31/12/2020 31/12/2019 31/12/2018

Assets (JD)

2020 2019 2018
Cash and Balances at Central Banks 4,833,256,000 3,752,594,000 3,258,485,000
Balances at Banks and Financial Institutions 3,498,702,000 3,264,458,000 3,209,371,000
Deposite at Banks and Financial Institutions 63,451,000 164,609,000 130,987,000
Financial Assets at Fair Value Through Profit 48,657,000 169,020,000 83,521,000
Financial Assets at Fair Value Through Other Comprehensive Income 154,564,000 157,764,000 156,164,000
Financial Assets at Amortized Cost 5,078,701,000 5,183,740,000 4,995,656,000
Investments in Affiliates 1,074,381,000 921,524,000 912,182,000
Direct Credit Facilities,Net 11,649,462,000 11,926,366,000 12,173,355,000
Provision for Credit Facilities 1,095,271,000 895,246,000 870,175,000
Interests in Suspense 338,318,000 296,919,000 257,879,000
Deferred Income Tax Assets 138,612,000 96,069,000 78,128,000
Fixed Assets,Net 225,022,000 228,723,000 224,280,000
Other Assets 424,285,000 463,818,000 323,209,000
Total Assets 27,189,093,000 26,328,685,000 25,545,338,000

Liabilities (JD)

2020 2019 2018
Customers Deposits 18,483,736,000 17,425,837,000 16,785,476,000
Banks & Financial Institutions Deposits 2,031,064,000 1,980,915,000 2,169,420,000
Cash Margins 1,672,994,000 2,081,052,000 1,949,820,000
Loans and Borrowing 352,203,000 181,582,000 141,807,000
Deferred Income Tax liabilities 2,123,000 1,197,000 948,000
Other Liabilities 794,404,000 862,860,000 827,244,000
Total Liabilities 23,336,524,000 22,533,443,000 21,874,715,000

Shareholders Equity (JD)

2020 2019 2018
Authorized Capital 640,800,000 640,800,000 640,800,000
Subscribed Capital 640,800,000 640,800,000 640,800,000
Paid in Capital 640,800,000 640,800,000 640,800,000
Legal Reserve 640,800,000 640,800,000 617,235,000
Voluntary Reserve 614,920,000 614,920,000 614,920,000
Other Reserves 692,189,000 692,490,000 692,490,000
Issuance Premium 859,626,000 859,626,000 859,626,000
Issuance Discount 0 0 0
Treasury Stocks 0 0 0
Cash Dividends 76,896,000 0 288,360,000
Stock Dividends 0 0 0
Foreign Currencies Translation -159,966,000 -198,397,000 -190,206,000
Accumulated Change in Fair Value -215,968,000 -214,946,000 -215,187,000
Retained Earnings 703,272,000 759,949,000 362,585,000
Total Shareholders Equity 3,852,569,000 3,795,242,000 3,670,623,000
Non-controlling Interest 0 0 0
Total Liabilities & Shareholders Equity 27,189,093,000 26,328,685,000 25,545,338,000

Income Statement (JD)

2020 2019 2018
Interest Income 1,141,265,000 1,377,051,000 1,264,383,000
Interest Expense 462,421,000 602,140,000 516,082,000
Net Interest Income 678,844,000 774,911,000 748,301,000
Net Commissions Income 128,404,000 146,471,000 154,715,000
Interests & Commissions, Net 807,248,000 921,382,000 903,016,000
Gains from Financial Assets and Instruments 5,776,000 8,089,000 7,691,000
Gains from Foreign Currencies 43,302,000 50,411,000 43,708,000
Other Revenues 72,472,000 136,841,000 358,813,000
Total Income 928,798,000 1,116,723,000 1,313,228,000
Employees Expenses 230,016,000 232,255,000 254,712,000
Depreciation & Amortization 32,888,000 31,563,000 29,204,000
Other Expenses 182,234,000 164,942,000 314,708,000
Provision for Direct Credit and Facilities (period) 404,870,000 118,858,000 157,086,000
Sundry Provisions 10,169,000 12,885,000 3,279,000
Bad Debts Written Off 0 0 0
Total Expenses 860,177,000 560,503,000 758,989,000
Net Income Before Tax 68,621,000 556,220,000 554,239,000
Income Tax (period) 46,821,000 132,660,000 120,725,000
Income Tax (Previous Years) 0 0 0
Universities and Research Train Fees 0 0 0
Board of Directors Remuniration 0 0 0
Net Income 21,800,000 423,560,000 433,514,000
Non-controlling Interest 0 0 0
Net Income Pertains to Shareholders 21,800,000 423,560,000 433,514,000

Cash Flow (JD)

2020 2019 2018
Cash Balance (Beginning) 5,117,410,000 4,647,620,000 4,293,457,000
Net Cash Flow from (Used in) Operating Activities 1,670,454,000 819,824,000 1,081,693,000
Net Cash Flow from (Used in) Investing Activities 22,431,000 -102,719,000 -645,320,000
Net Cash Flow from (Used in) Financing Activities 169,963,000 -246,412,000 -176,856,000
Differences in Exchange -9,752,000 -903,000 94,646,000
Cash Balance (Ending) 6,970,506,000 5,117,410,000 4,647,620,000

Financial Ratios

2020 2019 2018
Turnover Ratio % 3.360 9.210 7.710
Earning Per Share (JD) 0.030 0.660 0.680
Dividend Per Share (JD) 0.120 0.000 0.450
Book Value Per Share (JD) 6.010 5.920 5.730
Price Earnings Ratio (Times) 121.110 8.700 9.180
Dividend Yield % 2.910 0.000 7.250
Dividend Per Share to Earning Per Share % 352.730 0.000 66.520
Price to Book Value (Times) 0.690 0.970 1.080
Return On Assets % 0.080 1.610 1.700
Return On Equity % 0.570 11.160 11.810
Net Interest and Commissions Income/Total Income % 86.910 82.510 68.760
Credit Interest/Credit Facilities, Net % 9.800 11.550 10.390
Net Income / Total Income % 2.350 37.930 33.010
Total Income / Total Assets % 3.420 4.240 5.140
(Provision for Credit Facilities+Interest in Suspense)/Credit Facilities % 12.310 10.000 9.270
Equity Ratio % 14.170 14.410 14.370
Shareholders Equity /Total Deposits % 18.780 19.560 19.370
Debt Ratio % 85.830 85.590 85.630
Total Deposits/Total Assets % 75.450 73.710 74.200
Net Credit Facilities to Total Assets % 42.850 45.300 47.650
Net Credit Facilities to Total Deposits % 56.790 61.450 64.220
Shareholders Equity to Credit Facilities,Net % 33.070 31.820 30.150
Quick Ratio (Times) 0.410 0.380 0.350
Cash & Investments to Total Deposits % 71.910 70.150 67.250
Cash + Trading Investments / Total Deposits (Times) 0.410 0.370 0.350