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THE HOUSING BANK FOR TRADE AND FINANCE Financial

Trading Information

2018 2017 2016
Par Value/Share (JD) 1.00 1.00 1.00
Closing Price (JD) 8.37 8.37 9.30
Value Traded (JD) 14,840,360 4,018,258 26,717,474
No. of Shares Traded 1,771,830 453,031 2,772,192
No. of Transactions 564 641 425
No. of Subscribed Shares 315,000,000 315,000,000 252,000,000
Market Capitalization (JD) 2,636,550,000 2,636,550,000 2,343,600,000
Fiscal Year Ended 31/12/2018 31/12/2017 31/12/2016

Assets (JD)

2018 2017 2016
Cash and Balances at Central Banks 1,182,417,706 1,249,146,768 1,052,501,966
Balances at Banks and Financial Institutions 552,436,392 494,547,239 549,833,560
Deposite at Banks and Financial Institutions 37,578,850 38,122,776 22,795,894
Financial Assets at Fair Value Through Profit 3,735,411 21,399,878 21,957,719
Financial Assets at Fair Value Through Other Comprehensive Income 372,003,362 1,983,995 580,524
Financial Assets at Amortized Cost 1,486,802,987 1,781,141,993 1,791,900,701
Investments in Affiliates 0 0 0
Direct Credit Facilities,Net 4,255,354,746 4,212,637,422 4,042,066,469
Provision for Credit Facilities 291,832,350 184,254,307 187,398,643
Interests in Suspense 98,397,597 92,509,058 83,470,111
Deferred Income Tax Assets 76,354,109 38,384,838 40,738,707
Fixed Assets,Net 186,565,718 179,559,351 168,524,627
Other Assets 146,788,320 128,269,907 129,325,028
Total Assets 8,300,037,601 8,145,194,167 7,820,225,195

Liabilities (JD)

2018 2017 2016
Customers Deposits 5,873,760,855 5,828,132,571 5,647,527,093
Banks & Financial Institutions Deposits 615,208,559 541,721,932 493,163,142
Cash Margins 286,986,276 266,606,789 328,901,283
Loans and Borrowing 125,858,988 114,136,785 38,338,502
Deferred Income Tax liabilities 4,141,270 2,185,858 2,056,712
Other Liabilities 313,988,079 276,179,871 250,187,921
Total Liabilities 7,219,944,027 7,028,963,806 6,760,174,653

Shareholders Equity (JD)

2018 2017 2016
Authorized Capital 315,000,000 315,000,000 252,000,000
Subscribed Capital 315,000,000 315,000,000 252,000,000
Paid in Capital 315,000,000 315,000,000 252,000,000
Legal Reserve 219,222,999 206,742,971 189,054,310
Voluntary Reserve 0 0 33,222,068
Other Reserves 10,798,320 46,415,691 43,853,032
Issuance Premium 328,147,537 328,147,537 357,925,469
Issuance Discount 0 0 0
Treasury Stocks 0 0 0
Cash Dividends 47,250,000 63,000,000 75,600,000
Stock Dividends 0 0 0
Foreign Currencies Translation -113,597,748 -106,641,415 -110,715,554
Accumulated Change in Fair Value -2,219,625 -109,459 -344,677
Retained Earnings 221,592,701 210,604,841 172,353,497
Total Shareholders Equity 1,026,194,184 1,063,160,166 1,012,948,145
Non-controlling Interest 53,899,390 53,070,195 47,102,397
Total Liabilities & Shareholders Equity 8,300,037,601 8,145,194,167 7,820,225,195

Income Statement (JD)

2018 2017 2016
Interest Income 418,271,541 379,106,993 361,758,831
Interest Expense 137,274,756 109,993,008 91,839,894
Net Interest Income 280,996,785 269,113,985 269,918,937
Net Commissions Income 25,899,994 22,569,539 25,160,981
Interests & Commissions, Net 306,896,779 291,683,524 295,079,918
Gains from Financial Assets and Instruments -290,370 -297,676 -468,179
Gains from Foreign Currencies 11,208,811 751,411 20,720,472
Other Revenues 31,009,571 33,906,207 49,304,210
Total Income 348,824,791 326,043,466 364,636,421
Employees Expenses 75,981,500 75,816,419 74,955,250
Depreciation & Amortization 15,824,709 15,439,485 15,628,444
Other Expenses 54,067,600 52,729,705 52,165,231
Provision for Direct Credit and Facilities (period) 53,485,235 308,256 12,875,272
Sundry Provisions 17,465,149 1,736,905 18,676,093
Bad Debts Written Off 0 0 0
Total Expenses 216,824,193 146,030,770 174,300,290
Net Income Before Tax 132,000,598 180,012,696 190,336,131
Income Tax (period) 37,473,860 54,808,429 59,323,518
Income Tax (Previous Years) 0 0 0
Universities and Research Train Fees 0 0 0
Board of Directors Remuniration 0 0 0
Net Income 94,526,738 125,204,267 131,012,613
Non-controlling Interest 4,210,329 3,336,178 7,225,520
Net Income Pertains to Shareholders 90,316,409 121,868,089 123,787,093

Cash Flow (JD)

2018 2017 2016
Cash Balance (Beginning) 1,271,205,423 1,172,957,113 1,211,733,149
Net Cash Flow from (Used in) Operating Activities 136,471,323 105,275,248 -486,674,456
Net Cash Flow from (Used in) Investing Activities -83,621,998 -17,434,744 545,162,915
Net Cash Flow from (Used in) Financing Activities -52,786,404 -436,258 -73,999,341
Differences in Exchange -4,347,410 10,844,064 -23,265,154
Cash Balance (Ending) 1,266,920,934 1,271,205,423 1,172,957,113

Financial Ratios

2018 2017 2016
Turnover Ratio % 0.56 0.14 1.10
Earning Per Share (JD) 0.29 0.39 0.49
Dividend Per Share (JD) 0.15 0.20 0.30
Book Value Per Share (JD) 3.26 3.38 4.02
Price Earnings Ratio (Times) 29.19 21.63 18.93
Dividend Yield % 1.79 2.39 3.23
Dividend Per Share to Earning Per Share % 52.32 51.70 61.07
Price to Book Value (Times) 2.57 2.48 2.31
Return On Assets % 1.14 1.54 1.68
Return On Equity % 8.80 11.46 12.22
Net Interest and Commissions Income/Total Income % 87.98 89.46 80.92
Credit Interest/Credit Facilities, Net % 9.83 9.00 8.95
Net Income / Total Income % 27.10 38.40 35.93
Total Income / Total Assets % 4.20 4.00 4.66
(Provision for Credit Facilities+Interest in Suspense)/Credit Facilities % 9.17 6.57 6.70
Equity Ratio % 13.01 13.70 13.56
Shareholders Equity /Total Deposits % 15.81 16.69 16.50
Debt Ratio % 86.99 86.30 86.44
Total Deposits/Total Assets % 78.18 78.20 78.52
Net Credit Facilities to Total Assets % 51.27 51.72 51.69
Net Credit Facilities to Total Deposits % 65.58 66.13 65.82
Shareholders Equity to Credit Facilities,Net % 24.12 25.24 25.06
Quick Ratio (Times) 0.27 0.28 0.27
Cash & Investments to Total Deposits % 56.02 56.30 56.01
Cash + Trading Investments / Total Deposits (Times) 0.27 0.28 0.27