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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) 0.69 0.83 0.94
Value Traded (JD) 607,049 858,385 1,323,172
No. of Shares Traded 852,632 944,036 1,216,290
No. of Transactions 749 791 942
No. of Subscribed Shares 110,000,000 110,000,000 110,000,000
Market Capitalization (JD) 75,900,000 91,300,000 103,400,000
Fiscal Year Ended 31/12/2020 31/12/2019 31/12/2018

Assets (JD)

2020 2019 2018
Cash and Balances at Central Banks 52,217,487 68,048,129 49,020,779
Balances at Banks and Financial Institutions 89,979,061 59,257,664 85,029,146
Deposite at Banks and Financial Institutions 7,343,135 2,603,874 27,956,035
Financial Assets at Fair Value Through Profit 0 0 0
Financial Assets at Fair Value Through Other Comprehensive Income 135,570,467 148,822,213 104,257,480
Financial Assets at Amortized Cost 189,474,907 172,474,261 212,886,710
Investments in Affiliates 0 0 0
Direct Credit Facilities,Net 649,941,932 621,003,454 613,531,362
Provision for Credit Facilities 55,913,167 42,545,193 31,402,358
Interests in Suspense 14,149,904 10,712,425 8,123,387
Deferred Income Tax Assets 9,226,618 7,078,498 6,401,306
Fixed Assets,Net 30,037,561 22,459,789 17,320,761
Other Assets 19,809,458 37,311,583 29,499,512
Total Assets 1,183,600,626 1,139,059,465 1,145,903,091

Liabilities (JD)

2020 2019 2018
Customers Deposits 684,291,947 666,361,035 647,518,189
Banks & Financial Institutions Deposits 157,160,531 170,016,352 182,846,643
Cash Margins 51,320,703 49,424,077 51,534,691
Loans and Borrowing 93,484,141 57,866,314 79,130,476
Deferred Income Tax liabilities 3,076,163 1,977,939 6,894
Other Liabilities 34,390,833 36,521,452 24,687,432
Total Liabilities 1,023,724,318 982,167,169 985,724,325

Shareholders Equity (JD)

2020 2019 2018
Authorized Capital 110,000,000 110,000,000 110,000,000
Subscribed Capital 110,000,000 110,000,000 110,000,000
Paid in Capital 110,000,000 110,000,000 110,000,000
Legal Reserve 28,379,747 27,958,998 27,613,436
Voluntary Reserve 197,281 197,281 197,281
Other Reserves 0 0 0
Issuance Premium 66,943 66,943 66,943
Issuance Discount 0 0 0
Treasury Stocks 0 0 0
Cash Dividends 0 0 8,250,000
Stock Dividends 0 0 0
Foreign Currencies Translation 0 0 0
Accumulated Change in Fair Value 4,705,107 2,943,308 -77,148
Retained Earnings 16,527,230 15,725,766 14,128,254
Total Shareholders Equity 159,876,308 156,892,296 160,178,766
Non-controlling Interest 0 0 0
Total Liabilities & Shareholders Equity 1,183,600,626 1,139,059,465 1,145,903,091

Income Statement (JD)

2020 2019 2018
Interest Income 62,282,196 71,372,525 66,552,468
Interest Expense 28,504,057 38,344,004 33,645,669
Net Interest Income 33,778,139 33,028,521 32,906,799
Net Commissions Income 3,335,686 3,561,461 3,545,519
Interests & Commissions, Net 37,113,825 36,589,982 36,452,318
Gains from Financial Assets and Instruments 31,875 43,435 459,957
Gains from Foreign Currencies 826,498 1,036,187 1,223,845
Other Revenues 3,464,660 3,812,104 3,961,586
Total Income 41,436,858 41,481,708 42,097,706
Employees Expenses 13,335,076 13,569,571 13,921,761
Depreciation & Amortization 2,356,293 2,465,579 1,547,679
Other Expenses 7,742,965 7,351,139 8,221,343
Provision for Direct Credit and Facilities (period) 13,115,650 12,389,882 4,667,302
Sundry Provisions 593,884 2,169,919 -551,720
Bad Debts Written Off 0 0 0
Total Expenses 37,143,868 37,946,090 27,806,365
Net Income Before Tax 4,292,990 3,535,618 14,291,341
Income Tax (period) 2,985,277 1,520,344 4,495,127
Income Tax (Previous Years) 0 0 0
Universities and Research Train Fees 0 0 0
Board of Directors Remuniration 85,500 80,000 80,000
Net Income 1,222,213 1,935,274 9,716,214
Non-controlling Interest 0 0 0
Net Income Pertains to Shareholders 1,222,213 1,935,274 9,716,214

Cash Flow (JD)

2020 2019 2018
Cash Balance (Beginning) -42,703,306 -48,789,469 -43,639,910
Net Cash Flow from (Used in) Operating Activities 1,665,270 41,141,940 -29,366,515
Net Cash Flow from (Used in) Investing Activities -9,841,803 -6,073,417 -452,383
Net Cash Flow from (Used in) Financing Activities 35,601,172 -29,539,169 24,476,809
Differences in Exchange 349,724 556,809 192,530
Cash Balance (Ending) -14,928,943 -42,703,306 -48,789,469

Financial Ratios

2020 2019 2018
Turnover Ratio % 0.780 0.860 1.110
Earning Per Share (JD) 0.010 0.020 0.090
Dividend Per Share (JD) 0.000 0.000 0.080
Book Value Per Share (JD) 1.450 1.430 1.460
Price Earnings Ratio (Times) 62.100 47.180 10.640
Dividend Yield % 0.000 0.000 7.980
Dividend Per Share to Earning Per Share % 0.000 0.000 84.910
Price to Book Value (Times) 0.470 0.580 0.650
Return On Assets % 0.100 0.170 0.850
Return On Equity % 0.760 1.230 6.070
Net Interest and Commissions Income/Total Income % 89.570 88.210 86.590
Credit Interest/Credit Facilities, Net % 9.580 11.490 10.850
Net Income / Total Income % 2.950 4.670 23.080
Total Income / Total Assets % 3.500 3.640 3.670
(Provision for Credit Facilities+Interest in Suspense)/Credit Facilities % 10.780 8.580 6.440
Equity Ratio % 13.510 13.770 13.980
Shareholders Equity /Total Deposits % 19.000 18.760 19.290
Debt Ratio % 86.490 86.230 86.020
Total Deposits/Total Assets % 71.090 73.430 72.460
Net Credit Facilities to Total Assets % 54.910 54.520 53.540
Net Credit Facilities to Total Deposits % 77.240 74.250 73.890
Shareholders Equity to Credit Facilities,Net % 24.600 25.260 26.110
Quick Ratio (Times) 0.180 0.160 0.200
Cash & Investments to Total Deposits % 56.400 53.950 57.700
Cash + Trading Investments / Total Deposits (Times) 0.170 0.150 0.160