Menu

THE HOUSING BANK FOR TRADE AND FINANCE Financial

Trading Information in the Regular Market

2020 2019 2018
Par Value/Share (JD) 1.00 1.00 1.00
Closing Price (JD) 3.00 5.48 8.37
Value Traded (JD) 9,419,442 4,461,342 14,840,360
No. of Shares Traded 1,861,499 588,168 1,771,830
No. of Transactions 1,002 1,038 564
No. of Subscribed Shares 315,000,000 315,000,000 315,000,000
Market Capitalization (JD) 945,000,000 1,726,200,000 2,636,550,000
Fiscal Year Ended 31/12/2020 31/12/2019 31/12/2018

Assets (JD)

2020 2019 2018
Cash and Balances at Central Banks 1,125,774,294 1,114,595,764 1,182,417,706
Balances at Banks and Financial Institutions 360,632,307 452,515,681 552,436,392
Deposite at Banks and Financial Institutions 53,681,863 56,296,849 37,578,850
Financial Assets at Fair Value Through Profit 4,455,791 3,673,524 3,735,411
Financial Assets at Fair Value Through Other Comprehensive Income 371,882,600 388,454,051 372,003,362
Financial Assets at Amortized Cost 1,833,842,295 1,826,623,951 1,486,802,987
Investments in Affiliates 0 0 0
Direct Credit Facilities,Net 4,107,434,132 4,158,821,005 4,255,354,746
Provision for Credit Facilities 431,232,121 333,607,743 291,832,350
Interests in Suspense 115,106,958 106,315,586 98,397,597
Deferred Income Tax Assets 105,241,081 77,273,667 76,354,109
Fixed Assets,Net 174,997,134 185,136,052 186,565,718
Other Assets 168,107,720 175,847,597 146,788,320
Total Assets 8,306,049,217 8,439,238,141 8,300,037,601

Liabilities (JD)

2020 2019 2018
Customers Deposits 5,466,474,965 5,810,512,968 5,873,760,855
Banks & Financial Institutions Deposits 777,725,622 725,249,222 615,208,559
Cash Margins 234,263,330 267,507,285 286,986,276
Loans and Borrowing 314,578,622 158,310,466 125,858,988
Deferred Income Tax liabilities 8,981,193 6,569,323 4,141,270
Other Liabilities 342,167,977 347,275,035 313,988,079
Total Liabilities 7,144,191,709 7,315,424,299 7,219,944,027

Shareholders Equity (JD)

2020 2019 2018
Authorized Capital 315,000,000 315,000,000 315,000,000
Subscribed Capital 315,000,000 315,000,000 315,000,000
Paid in Capital 315,000,000 315,000,000 315,000,000
Legal Reserve 243,461,008 235,755,327 219,222,999
Voluntary Reserve 0 0 0
Other Reserves 11,433,336 11,184,797 10,798,320
Issuance Premium 328,147,537 328,147,537 328,147,537
Issuance Discount 0 0 0
Treasury Stocks 0 0 0
Cash Dividends 37,800,000 0 47,250,000
Stock Dividends 0 0 0
Foreign Currencies Translation -120,824,117 -112,455,441 -113,597,748
Accumulated Change in Fair Value 9,654,188 5,400,864 -2,219,625
Retained Earnings 276,125,834 285,267,050 221,592,701
Total Shareholders Equity 1,100,797,786 1,068,300,134 1,026,194,184
Non-controlling Interest 61,059,722 55,513,708 53,899,390
Total Liabilities & Shareholders Equity 8,306,049,217 8,439,238,141 8,300,037,601

Income Statement (JD)

2020 2019 2018
Interest Income 406,430,724 446,277,759 418,271,541
Interest Expense 101,908,773 149,533,212 137,274,756
Net Interest Income 304,521,951 296,744,547 280,996,785
Net Commissions Income 21,830,553 26,785,632 25,899,994
Interests & Commissions, Net 326,352,504 323,530,179 306,896,779
Gains from Financial Assets and Instruments 2,535,915 237,418 -290,370
Gains from Foreign Currencies 9,402,822 10,449,425 11,208,811
Other Revenues 26,003,749 26,762,472 31,009,571
Total Income 364,294,990 360,979,494 348,824,791
Employees Expenses 76,664,447 82,900,919 75,981,500
Depreciation & Amortization 24,525,115 22,830,232 15,824,709
Other Expenses 60,013,034 54,146,653 54,067,600
Provision for Direct Credit and Facilities (period) 122,561,051 55,135,145 62,693,808
Sundry Provisions 2,876,563 13,791,593 8,256,576
Bad Debts Written Off 0 0 0
Total Expenses 286,640,210 228,804,542 216,824,193
Net Income Before Tax 77,654,780 132,174,952 132,000,598
Income Tax (period) 35,148,526 48,467,752 37,473,860
Income Tax (Previous Years) 0 0 0
Universities and Research Train Fees 0 0 0
Board of Directors Remuniration 0 0 0
Net Income 42,506,254 83,707,200 94,526,738
Non-controlling Interest 5,891,900 2,840,635 4,210,329
Net Income Pertains to Shareholders 36,614,354 80,866,565 90,316,409

Cash Flow (JD)

2020 2019 2018
Cash Balance (Beginning) 909,289,435 1,267,129,014 1,271,205,423
Net Cash Flow from (Used in) Operating Activities -250,599,820 31,306,599 136,679,403
Net Cash Flow from (Used in) Investing Activities 7,110,745 -360,297,509 -83,621,998
Net Cash Flow from (Used in) Financing Activities 153,734,733 -32,858,547 -52,786,404
Differences in Exchange -48,493,872 4,009,878 -4,347,410
Cash Balance (Ending) 771,041,221 909,289,435 1,267,129,014

Financial Ratios

2020 2019 2018
Turnover Ratio % 0.590 0.190 0.560
Earning Per Share (JD) 0.120 0.260 0.290
Dividend Per Share (JD) 0.120 0.000 0.150
Book Value Per Share (JD) 3.490 3.390 3.260
Price Earnings Ratio (Times) 25.810 21.350 29.190
Dividend Yield % 4.000 0.000 1.790
Dividend Per Share to Earning Per Share % 103.240 0.000 52.320
Price to Book Value (Times) 0.860 1.620 2.570
Return On Assets % 0.510 0.990 1.140
Return On Equity % 3.330 7.570 8.800
Net Interest and Commissions Income/Total Income % 89.580 89.630 87.980
Credit Interest/Credit Facilities, Net % 9.900 10.730 9.830
Net Income / Total Income % 11.670 23.190 27.100
Total Income / Total Assets % 4.390 4.280 4.200
(Provision for Credit Facilities+Interest in Suspense)/Credit Facilities % 13.300 10.580 9.170
Equity Ratio % 13.990 13.320 13.010
Shareholders Equity /Total Deposits % 17.630 16.350 15.810
Debt Ratio % 86.010 86.680 86.990
Total Deposits/Total Assets % 75.180 77.440 78.180
Net Credit Facilities to Total Assets % 49.450 49.280 51.270
Net Credit Facilities to Total Deposits % 65.780 63.630 65.580
Shareholders Equity to Credit Facilities,Net % 26.800 25.690 24.120
Quick Ratio (Times) 0.250 0.250 0.270
Cash & Investments to Total Deposits % 60.060 58.790 56.020
Cash + Trading Investments / Total Deposits (Times) 0.240 0.240 0.270