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ARAB JORDAN INVESTMENT BANK Financial

Trading Information in the Regular Market

2020 2019 2018
Par Value/Share (JD) 1.00 1.00 1.00
Closing Price (JD) 1.19 1.31 1.28
Value Traded (JD) 1,507,575 1,199,971 4,085,146
No. of Shares Traded 1,401,507 988,528 2,630,271
No. of Transactions 603 389 423
No. of Subscribed Shares 150,000,000 150,000,000 150,000,000
Market Capitalization (JD) 178,500,000 196,500,000 192,000,000
Fiscal Year Ended 31/12/2020 31/12/2019 31/12/2018

Assets (JD)

2020 2019 2018
Cash and Balances at Central Banks 196,441,026 129,085,610 121,539,096
Balances at Banks and Financial Institutions 312,142,659 291,440,677 307,520,994
Deposite at Banks and Financial Institutions 14,184,877 24,845,110 15,877,685
Financial Assets at Fair Value Through Profit 1,246,038 1,203,192 263,244
Financial Assets at Fair Value Through Other Comprehensive Income 17,198,214 20,059,841 15,506,988
Financial Assets at Amortized Cost 687,643,018 711,618,433 688,023,173
Investments in Affiliates 22,007,354 20,687,223 19,011,340
Direct Credit Facilities,Net 833,048,500 815,472,923 752,694,569
Provision for Credit Facilities 20,497,787 13,279,473 14,468,779
Interests in Suspense 2,959,351 2,737,109 3,083,349
Deferred Income Tax Assets 3,356,646 521,215 540,846
Fixed Assets,Net 74,229,898 76,478,738 74,301,592
Other Assets 38,705,852 40,643,429 37,810,892
Total Assets 2,200,204,082 2,132,056,391 2,033,090,419

Liabilities (JD)

2020 2019 2018
Customers Deposits 1,174,720,074 1,092,286,339 1,030,562,047
Banks & Financial Institutions Deposits 599,806,480 619,641,241 537,381,551
Cash Margins 41,163,022 40,295,933 38,991,293
Loans and Borrowing 120,629,632 104,457,503 146,041,810
Deferred Income Tax liabilities 0 0 0
Other Liabilities 39,311,181 59,522,629 64,715,515
Total Liabilities 1,975,630,389 1,916,203,645 1,817,692,216

Shareholders Equity (JD)

2020 2019 2018
Authorized Capital 150,000,000 150,000,000 150,000,000
Subscribed Capital 150,000,000 150,000,000 150,000,000
Paid in Capital 150,000,000 150,000,000 150,000,000
Legal Reserve 34,697,058 33,212,083 31,447,469
Voluntary Reserve 0 0 0
Other Reserves 0 0 0
Issuance Premium 0 0 1,418,000
Issuance Discount 0 0 0
Treasury Stocks 0 0 0
Cash Dividends 15,000,000 0 13,500,000
Stock Dividends 0 0 0
Foreign Currencies Translation -2,152,393 -2,955,229 -3,596,397
Accumulated Change in Fair Value -3,079,877 -2,067,878 -1,891,990
Retained Earnings 11,648,950 18,501,288 3,979,705
Total Shareholders Equity 206,113,738 196,690,264 194,856,787
Non-controlling Interest 18,459,955 19,162,482 20,541,416
Total Liabilities & Shareholders Equity 2,200,204,082 2,132,056,391 2,033,090,419

Income Statement (JD)

2020 2019 2018
Interest Income 90,476,452 97,344,275 90,353,940
Interest Expense 39,608,263 53,885,589 46,012,013
Net Interest Income 50,868,189 43,458,686 44,341,927
Net Commissions Income 5,555,003 8,255,755 8,289,626
Interests & Commissions, Net 56,423,192 51,714,441 52,631,553
Gains from Financial Assets and Instruments 234,143 59,847 224,856
Gains from Foreign Currencies 2,684,415 3,894,727 3,747,495
Other Revenues 4,080,847 2,530,564 1,458,856
Total Income 63,422,597 58,199,579 58,062,760
Employees Expenses 15,922,252 15,963,637 16,232,941
Depreciation & Amortization 4,150,243 3,866,219 3,030,943
Other Expenses 12,426,281 12,217,401 12,371,711
Provision for Direct Credit and Facilities (period) 13,039,406 2,263,954 1,375,285
Sundry Provisions 804,936 167,398 600,458
Bad Debts Written Off 0 0 0
Total Expenses 46,343,118 34,478,609 33,611,338
Net Income Before Tax 17,079,479 23,720,970 24,451,422
Income Tax (period) 5,487,776 7,462,731 7,580,095
Income Tax (Previous Years) 0 0 0
Universities and Research Train Fees 0 0 0
Board of Directors Remuniration 55,000 55,000 55,000
Net Income 11,536,703 16,203,239 16,816,327
Non-controlling Interest 722,312 1,331,436 1,310,275
Net Income Pertains to Shareholders 10,814,391 14,871,803 15,506,052

Cash Flow (JD)

2020 2019 2018
Cash Balance (Beginning) -106,240,639 11,716,854 -82,264,801
Net Cash Flow from (Used in) Operating Activities 54,005,556 -28,026,536 57,888,800
Net Cash Flow from (Used in) Investing Activities 22,320,272 -32,187,700 -95,315,818
Net Cash Flow from (Used in) Financing Activities 14,827,882 -57,823,815 131,212,241
Differences in Exchange 54,265 80,558 196,432
Cash Balance (Ending) -15,032,664 -106,240,639 11,716,854

Financial Ratios

2020 2019 2018
Turnover Ratio % 0.930 0.660 1.750
Earning Per Share (JD) 0.070 0.100 0.100
Dividend Per Share (JD) 0.100 0.000 0.090
Book Value Per Share (JD) 1.370 1.310 1.300
Price Earnings Ratio (Times) 16.510 13.210 12.380
Dividend Yield % 8.400 0.000 7.030
Dividend Per Share to Earning Per Share % 138.700 0.000 87.060
Price to Book Value (Times) 0.870 1.000 0.990
Return On Assets % 0.520 0.760 0.830
Return On Equity % 5.250 7.560 7.960
Net Interest and Commissions Income/Total Income % 88.960 88.860 90.650
Credit Interest/Credit Facilities, Net % 10.860 11.940 12.000
Net Income / Total Income % 18.190 27.840 28.960
Total Income / Total Assets % 2.880 2.730 2.860
(Provision for Credit Facilities+Interest in Suspense)/Credit Facilities % 2.820 1.960 2.330
Equity Ratio % 10.210 10.120 10.590
Shareholders Equity /Total Deposits % 11.620 11.490 12.430
Debt Ratio % 89.790 89.880 89.410
Total Deposits/Total Assets % 80.650 80.290 77.120
Net Credit Facilities to Total Assets % 37.860 38.250 37.020
Net Credit Facilities to Total Deposits % 46.940 47.630 48.010
Shareholders Equity to Credit Facilities,Net % 24.740 24.120 25.890
Quick Ratio (Times) 0.300 0.260 0.280
Cash & Investments to Total Deposits % 70.490 70.030 74.480
Cash + Trading Investments / Total Deposits (Times) 0.300 0.260 0.280