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SOCIETE GENERALE DE BANQUE - JORDANIE Financial

Trading Information

2019 2018 2017
Par Value/Share (JD) 1.00 1.00 1.00
Closing Price (JD) 1.26 1.00 1.10
Value Traded (JD) 174,649 4,808,526 434,950
No. of Shares Traded 133,095 4,807,190 400,131
No. of Transactions 154 54 108
No. of Subscribed Shares 100,000,000 100,000,000 100,000,000
Market Capitalization (JD) 126,000,000 100,000,000 110,000,000
Fiscal Year Ended 31/12/2019 31/12/2018 31/12/2017

Assets (JD)

2019 2018 2017
Cash and Balances at Central Banks 193,467,172 224,500,525 104,736,046
Balances at Banks and Financial Institutions 79,012,706 63,076,862 63,860,393
Deposite at Banks and Financial Institutions 5,538,106 56,414,081 33,252,161
Financial Assets at Fair Value Through Profit 0 0 0
Financial Assets at Fair Value Through Other Comprehensive Income 79,182,715 1,593,687 521,392
Financial Assets at Amortized Cost 225,155,531 271,699,711 273,310,111
Investments in Affiliates 0 0 0
Direct Credit Facilities,Net 849,100,023 808,873,745 650,649,448
Provision for Credit Facilities 30,433,934 33,130,335 10,282,930
Interests in Suspense 16,306,702 20,374,072 13,688,353
Deferred Income Tax Assets 3,811,501 3,013,403 1,134,764
Fixed Assets,Net 28,161,940 29,352,607 22,492,720
Other Assets 249,852,741 244,772,958 202,094,288
Total Assets 1,713,282,435 1,703,297,579 1,352,051,323

Liabilities (JD)

2019 2018 2017
Customers Deposits 1,351,108,412 1,378,958,384 1,081,981,986
Banks & Financial Institutions Deposits 46,250,283 36,639,322 14,815,157
Cash Margins 113,082,294 109,036,292 88,545,916
Loans and Borrowing 34,438,912 29,061,321 15,216,312
Deferred Income Tax liabilities 1,299,449 570,725 404,959
Other Liabilities 33,070,791 21,202,778 16,994,972
Total Liabilities 1,579,250,141 1,575,468,822 1,217,959,302

Shareholders Equity (JD)

2019 2018 2017
Authorized Capital 100,000,000 100,000,000 100,000,000
Subscribed Capital 100,000,000 100,000,000 100,000,000
Paid in Capital 100,000,000 100,000,000 100,000,000
Legal Reserve 14,501,460 12,880,233 11,627,577
Voluntary Reserve 100,000 100,000 100,000
Other Reserves 0 0 4,965,272
Issuance Premium 0 0 0
Issuance Discount 0 0 0
Treasury Stocks 0 0 0
Cash Dividends 0 5,000,000 7,500,000
Stock Dividends 0 0 0
Foreign Currencies Translation 0 0 0
Accumulated Change in Fair Value 923,185 -220,155 -212,001
Retained Earnings 18,507,649 10,068,679 10,111,173
Total Shareholders Equity 134,032,294 127,828,757 134,092,021
Non-controlling Interest 0 0 0
Total Liabilities & Shareholders Equity 1,713,282,435 1,703,297,579 1,352,051,323

Income Statement (JD)

2019 2018 2017
Interest Income 98,223,829 81,861,650 64,764,865
Interest Expense 73,098,183 62,849,867 45,098,944
Net Interest Income 25,125,646 19,011,783 19,665,921
Net Commissions Income 2,348,534 1,935,497 1,457,100
Interests & Commissions, Net 27,474,180 20,947,280 21,123,021
Gains from Financial Assets and Instruments -177,700 19,000 1,371,392
Gains from Foreign Currencies 1,231,933 1,191,878 921,399
Other Revenues 5,534,418 2,148,682 2,079,789
Total Income 34,062,831 24,306,840 25,495,601
Employees Expenses 7,831,563 6,491,527 5,977,773
Depreciation & Amortization 2,560,291 1,493,451 1,354,927
Other Expenses 5,620,421 5,576,019 5,022,522
Provision for Direct Credit and Facilities (period) 1,011,431 -462,229 1,172,662
Sundry Provisions 826,864 -1,318,483 -155,778
Bad Debts Written Off 0 0 0
Total Expenses 17,850,570 11,780,285 13,372,106
Net Income Before Tax 16,212,261 12,526,555 12,123,495
Income Tax (period) 6,066,933 4,149,275 4,223,808
Income Tax (Previous Years) 0 0 0
Universities and Research Train Fees 0 0 0
Board of Directors Remuniration 85,131 92,335 89,478
Net Income 10,060,197 8,284,945 7,810,209
Non-controlling Interest 0 0 0
Net Income Pertains to Shareholders 10,060,197 8,284,945 7,810,209

Cash Flow (JD)

2019 2018 2017
Cash Balance (Beginning) 251,801,077 151,249,156 196,812,022
Net Cash Flow from (Used in) Operating Activities 6,294,305 16,239,959 -17,353,267
Net Cash Flow from (Used in) Investing Activities -31,323,408 77,104,714 -19,771,622
Net Cash Flow from (Used in) Financing Activities 377,591 6,345,009 -9,090,811
Differences in Exchange -906,507 862,239 652,834
Cash Balance (Ending) 226,243,058 251,801,077 151,249,156

Financial Ratios

2019 2018 2017
Turnover Ratio % 0.130 4.810 0.400
Earning Per Share (JD) 0.100 0.080 0.080
Dividend Per Share (JD) 0.000 0.050 0.080
Book Value Per Share (JD) 1.340 1.280 1.340
Price Earnings Ratio (Times) 12.520 12.070 14.080
Dividend Yield % 0.000 5.000 6.820
Dividend Per Share to Earning Per Share % 0.000 60.350 96.030
Price to Book Value (Times) 0.940 0.780 0.820
Return On Assets % 0.590 0.490 0.580
Return On Equity % 7.510 6.480 5.820
Net Interest and Commissions Income/Total Income % 80.660 86.180 82.850
Credit Interest/Credit Facilities, Net % 11.570 10.120 9.950
Net Income / Total Income % 29.530 34.080 30.630
Total Income / Total Assets % 1.990 1.430 1.890
(Provision for Credit Facilities+Interest in Suspense)/Credit Facilities % 5.500 6.610 3.680
Equity Ratio % 7.820 7.500 9.920
Shareholders Equity /Total Deposits % 9.590 9.030 12.230
Debt Ratio % 92.180 92.500 90.080
Total Deposits/Total Assets % 81.560 83.110 81.120
Net Credit Facilities to Total Assets % 49.560 47.490 48.120
Net Credit Facilities to Total Deposits % 60.760 57.140 59.320
Shareholders Equity to Credit Facilities,Net % 15.790 15.800 20.610
Quick Ratio (Times) 0.200 0.240 0.180
Cash & Investments to Total Deposits % 41.680 43.610 43.370
Cash + Trading Investments / Total Deposits (Times) 0.200 0.240 0.180