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Trading Information

2019 2018 2017
Par Value/Share (JD) 1.00 1.00 1.00
Closing Price (JD) 5.75 6.21 5.60
Value Traded (JD) 347,311,905 323,474,807 950,124,385
No. of Shares Traded 58,991,166 49,431,636 153,035,226
No. of Transactions 17,749 26,799 22,203
No. of Subscribed Shares 640,800,000 640,800,000 640,800,000
Market Capitalization (JD) 3,684,600,000 3,979,368,000 3,588,480,000
Fiscal Year Ended 31/12/2019 31/12/2018 31/12/2017

Assets (JD)

2019 2018 2017
Cash and Balances at Central Banks 3,752,594,000 3,258,485,000 3,270,576,000
Balances at Banks and Financial Institutions 3,264,458,000 3,209,371,000 3,063,256,000
Deposite at Banks and Financial Institutions 164,609,000 130,987,000 67,067,000
Financial Assets at Fair Value Through Profit 169,020,000 83,521,000 66,482,000
Financial Assets at Fair Value Through Other Comprehensive Income 157,764,000 156,164,000 164,912,000
Financial Assets at Amortized Cost 5,183,740,000 4,995,656,000 4,286,264,000
Investments in Affiliates 921,524,000 912,182,000 965,933,000
Direct Credit Facilities,Net 11,926,366,000 12,173,355,000 11,947,106,000
Provision for Credit Facilities 895,246,000 870,175,000 677,048,000
Interests in Suspense 296,919,000 257,879,000 217,376,000
Deferred Income Tax Assets 96,069,000 78,128,000 45,152,000
Fixed Assets,Net 228,723,000 224,280,000 216,816,000
Other Assets 463,818,000 323,209,000 268,008,000
Total Assets 26,328,685,000 25,545,338,000 24,361,572,000

Liabilities (JD)

2019 2018 2017
Customers Deposits 17,425,837,000 16,785,476,000 16,178,826,000
Banks & Financial Institutions Deposits 1,980,915,000 2,169,420,000 1,793,025,000
Cash Margins 2,081,052,000 1,949,820,000 1,761,864,000
Loans and Borrowing 181,582,000 141,807,000 63,741,000
Deferred Income Tax liabilities 1,197,000 948,000 942,000
Other Liabilities 862,860,000 827,244,000 1,013,265,000
Total Liabilities 22,533,443,000 21,874,715,000 20,811,663,000

Shareholders Equity (JD)

2019 2018 2017
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 640,800,000 617,235,000 561,811,000
Voluntary Reserve 614,920,000 614,920,000 614,920,000
Other Reserves 692,490,000 692,490,000 804,163,000
Issuance Premium 859,626,000 859,626,000 859,626,000
Issuance Discount 0 0 0
Treasury Stocks 0 0 0
Cash Dividends 0 288,360,000 256,320,000
Stock Dividends 0 0 0
Foreign Currencies Translation -198,397,000 -190,206,000 -221,600,000
Accumulated Change in Fair Value -214,946,000 -215,187,000 -207,437,000
Retained Earnings 759,949,000 362,585,000 241,306,000
Total Shareholders Equity 3,795,242,000 3,670,623,000 3,549,909,000
Non-controlling Interest 0 0 0
Total Liabilities & Shareholders Equity 26,328,685,000 25,545,338,000 24,361,572,000

Income Statement (JD)

2019 2018 2017
Interest Income 1,377,051,000 1,264,383,000 1,120,039,000
Interest Expense 602,140,000 516,082,000 454,857,000
Net Interest Income 774,911,000 748,301,000 665,182,000
Net Commissions Income 146,471,000 154,715,000 154,172,000
Interests & Commissions, Net 921,382,000 903,016,000 819,354,000
Gains from Financial Assets and Instruments 8,089,000 7,691,000 6,603,000
Gains from Foreign Currencies 50,411,000 43,708,000 35,328,000
Other Revenues 136,841,000 358,813,000 114,946,000
Total Income 1,116,723,000 1,313,228,000 976,231,000
Employees Expenses 232,255,000 254,712,000 217,232,000
Depreciation & Amortization 31,563,000 29,204,000 28,203,000
Other Expenses 164,942,000 314,708,000 143,152,000
Provision for Direct Credit and Facilities (period) 118,858,000 157,086,000 167,775,000
Sundry Provisions 12,885,000 3,279,000 115,493,000
Bad Debts Written Off 0 0 0
Total Expenses 560,503,000 758,989,000 671,855,000
Net Income Before Tax 556,220,000 554,239,000 304,376,000
Income Tax (period) 132,660,000 120,725,000 109,351,000
Income Tax (Previous Years) 0 0 0
Universities and Research Train Fees 0 0 0
Board of Directors Remuniration 0 0 0
Net Income 423,560,000 433,514,000 195,025,000
Non-controlling Interest 0 0 0
Net Income Pertains to Shareholders 423,560,000 433,514,000 195,025,000

Cash Flow (JD)

2019 2018 2017
Cash Balance (Beginning) 4,647,620,000 4,293,457,000 4,768,226,000
Net Cash Flow from (Used in) Operating Activities 819,824,000 1,081,693,000 -466,642,000
Net Cash Flow from (Used in) Investing Activities -102,719,000 -645,320,000 263,540,000
Net Cash Flow from (Used in) Financing Activities -246,412,000 -176,856,000 -274,677,000
Differences in Exchange -903,000 94,646,000 3,010,000
Cash Balance (Ending) 5,117,410,000 4,647,620,000 4,293,457,000

Financial Ratios

2019 2018 2017
Turnover Ratio % 9.210 7.710 23.880
Earning Per Share (JD) 0.660 0.680 0.300
Dividend Per Share (JD) 0.000 0.450 0.400
Book Value Per Share (JD) 5.920 5.730 5.540
Price Earnings Ratio (Times) 8.700 9.180 18.400
Dividend Yield % 0.000 7.250 7.140
Dividend Per Share to Earning Per Share % 0.000 66.520 131.430
Price to Book Value (Times) 0.970 1.080 1.010
Return On Assets % 1.610 1.700 0.800
Return On Equity % 11.160 11.810 5.490
Net Interest and Commissions Income/Total Income % 82.510 68.760 83.930
Credit Interest/Credit Facilities, Net % 11.550 10.390 9.370
Net Income / Total Income % 37.930 33.010 19.980
Total Income / Total Assets % 4.240 5.140 4.010
(Provision for Credit Facilities+Interest in Suspense)/Credit Facilities % 10.000 9.270 7.490
Equity Ratio % 14.410 14.370 14.570
Shareholders Equity /Total Deposits % 19.560 19.370 19.750
Debt Ratio % 85.590 85.630 85.430
Total Deposits/Total Assets % 73.710 74.200 73.770
Net Credit Facilities to Total Assets % 45.300 47.650 49.040
Net Credit Facilities to Total Deposits % 61.450 64.220 66.480
Shareholders Equity to Credit Facilities,Net % 31.820 30.150 29.710
Quick Ratio (Times) 0.380 0.350 0.360
Cash & Investments to Total Deposits % 70.150 67.250 66.130
Cash + Trading Investments / Total Deposits (Times) 0.380 0.350 0.360