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THE HOUSING BANK FOR TRADE AND FINANCE Financial

Trading Information

2019 2018 2017
Par Value/Share (JD) 1.00 1.00 1.00
Closing Price (JD) 5.48 8.37 8.37
Value Traded (JD) 4,461,342 14,840,360 4,018,258
No. of Shares Traded 588,168 1,771,830 453,031
No. of Transactions 1,038 564 641
No. of Subscribed Shares 315,000,000 315,000,000 315,000,000
Market Capitalization (JD) 1,726,200,000 2,636,550,000 2,636,550,000
Fiscal Year Ended 31/12/2019 31/12/2018 31/12/2017

Assets (JD)

2019 2018 2017
Cash and Balances at Central Banks 1,114,595,764 1,182,417,706 1,249,146,768
Balances at Banks and Financial Institutions 452,515,681 552,436,392 494,547,239
Deposite at Banks and Financial Institutions 56,296,849 37,578,850 38,122,776
Financial Assets at Fair Value Through Profit 3,673,524 3,735,411 21,399,878
Financial Assets at Fair Value Through Other Comprehensive Income 388,454,051 372,003,362 1,983,995
Financial Assets at Amortized Cost 1,826,623,951 1,486,802,987 1,781,141,993
Investments in Affiliates 0 0 0
Direct Credit Facilities,Net 4,158,821,005 4,255,354,746 4,212,637,422
Provision for Credit Facilities 333,607,743 291,832,350 184,254,307
Interests in Suspense 106,315,586 98,397,597 92,509,058
Deferred Income Tax Assets 73,911,906 76,354,109 38,384,838
Fixed Assets,Net 185,136,052 186,565,718 179,559,351
Other Assets 181,220,854 146,788,320 128,269,907
Total Assets 8,441,249,637 8,300,037,601 8,145,194,167

Liabilities (JD)

2019 2018 2017
Customers Deposits 5,810,512,968 5,873,760,855 5,828,132,571
Banks & Financial Institutions Deposits 725,249,222 615,208,559 541,721,932
Cash Margins 278,903,172 286,986,276 266,606,789
Loans and Borrowing 146,914,579 125,858,988 114,136,785
Deferred Income Tax liabilities 6,569,323 4,141,270 2,185,858
Other Liabilities 349,286,531 313,988,079 276,179,871
Total Liabilities 7,317,435,795 7,219,944,027 7,028,963,806

Shareholders Equity (JD)

2019 2018 2017
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 235,755,327 219,222,999 206,742,971
Voluntary Reserve 0 0 0
Other Reserves 11,184,797 10,798,320 46,415,691
Issuance Premium 328,147,537 328,147,537 328,147,537
Issuance Discount 0 0 0
Treasury Stocks 0 0 0
Cash Dividends 0 47,250,000 63,000,000
Stock Dividends 0 0 0
Foreign Currencies Translation -112,455,441 -113,597,748 -106,641,415
Accumulated Change in Fair Value 5,400,864 -2,219,625 -109,459
Retained Earnings 285,267,050 221,592,701 210,604,841
Total Shareholders Equity 1,068,300,134 1,026,194,184 1,063,160,166
Non-controlling Interest 55,513,708 53,899,390 53,070,195
Total Liabilities & Shareholders Equity 8,441,249,637 8,300,037,601 8,145,194,167

Income Statement (JD)

2019 2018 2017
Interest Income 446,277,759 418,271,541 379,106,993
Interest Expense 149,533,212 137,274,756 109,993,008
Net Interest Income 296,744,547 280,996,785 269,113,985
Net Commissions Income 26,785,632 25,899,994 22,569,539
Interests & Commissions, Net 323,530,179 306,896,779 291,683,524
Gains from Financial Assets and Instruments 237,418 -290,370 -297,676
Gains from Foreign Currencies 10,449,425 11,208,811 751,411
Other Revenues 26,762,472 31,009,571 33,906,207
Total Income 360,979,494 348,824,791 326,043,466
Employees Expenses 82,381,180 75,981,500 75,816,419
Depreciation & Amortization 22,830,232 15,824,709 15,439,485
Other Expenses 54,146,653 54,067,600 52,729,705
Provision for Direct Credit and Facilities (period) 55,135,145 62,693,808 308,256
Sundry Provisions 14,311,332 8,256,576 1,736,905
Bad Debts Written Off 0 0 0
Total Expenses 228,804,542 216,824,193 146,030,770
Net Income Before Tax 132,174,952 132,000,598 180,012,696
Income Tax (period) 48,467,752 37,473,860 54,808,429
Income Tax (Previous Years) 0 0 0
Universities and Research Train Fees 0 0 0
Board of Directors Remuniration 0 0 0
Net Income 83,707,200 94,526,738 125,204,267
Non-controlling Interest 2,840,635 4,210,329 3,336,178
Net Income Pertains to Shareholders 80,866,565 90,316,409 121,868,089

Cash Flow (JD)

2019 2018 2017
Cash Balance (Beginning) 1,267,129,014 1,271,205,423 1,172,957,113
Net Cash Flow from (Used in) Operating Activities 31,533,567 136,679,403 105,275,248
Net Cash Flow from (Used in) Investing Activities -368,501,021 -83,621,998 -17,434,744
Net Cash Flow from (Used in) Financing Activities -24,882,003 -52,786,404 -436,258
Differences in Exchange 4,009,878 -4,347,410 10,844,064
Cash Balance (Ending) 909,289,435 1,267,129,014 1,271,205,423

Financial Ratios

2019 2018 2017
Turnover Ratio % 0.190 0.560 0.140
Earning Per Share (JD) 0.260 0.290 0.390
Dividend Per Share (JD) 0.000 0.150 0.200
Book Value Per Share (JD) 3.390 3.260 3.380
Price Earnings Ratio (Times) 21.350 29.190 21.630
Dividend Yield % 0.000 1.790 2.390
Dividend Per Share to Earning Per Share % 0.000 52.320 51.700
Price to Book Value (Times) 1.620 2.570 2.480
Return On Assets % 0.990 1.140 1.540
Return On Equity % 7.570 8.800 11.460
Net Interest and Commissions Income/Total Income % 89.630 87.980 89.460
Credit Interest/Credit Facilities, Net % 10.730 9.830 9.000
Net Income / Total Income % 23.190 27.100 38.400
Total Income / Total Assets % 4.280 4.200 4.000
(Provision for Credit Facilities+Interest in Suspense)/Credit Facilities % 10.580 9.170 6.570
Equity Ratio % 13.310 13.010 13.700
Shareholders Equity /Total Deposits % 16.350 15.810 16.690
Debt Ratio % 86.690 86.990 86.300
Total Deposits/Total Assets % 77.430 78.180 78.200
Net Credit Facilities to Total Assets % 49.270 51.270 51.720
Net Credit Facilities to Total Deposits % 63.630 65.580 66.130
Shareholders Equity to Credit Facilities,Net % 25.690 24.120 25.240
Quick Ratio (Times) 0.250 0.270 0.280
Cash & Investments to Total Deposits % 58.790 56.020 56.300
Cash + Trading Investments / Total Deposits (Times) 0.250 0.270 0.280