JORDAN ISLAMIC BANK

Trading Information

111001

2011

2010

2009

2008

Par Value/Share (JD)

1.00

1.00

1.00

1.00

Closing Price (JD)

2.75

3.00

3.17

3.70

Value Traded (JD)

7,045,361

9,810,297

68,897,399

290,209,939

No. of Shares Traded

2,427,733

3,231,732

18,202,535

43,279,921

5,138

5,934

14,207

39,381

No. of Subscribed Shares

100,000,000

100,000,000

100,000,000

81,250,000

Market Capitalization (JD)

275,000,000

300,000,000

317,000,000

300,625,000

Fiscal Year Ended

12/31/2011

12/31/2010

12/13/2009

12/31/2008

1,216,010,070

988,066,675

771,251,223

577,031,989

Balances at Banks and Financial Institutions

111,520,291

127,728,630

101,622,408

103,138,295

Deposits at Banks and Financial Institutions

6,310,100

8,578,900

4,608,500

9,320,403

Available for Sale Investments

96,415,729

113,450,795

98,459,139

99,515,985

Held to Maturity Investments, Net

5,063,098

7,950,332

14,459,571

9,008,168

Investments in Affiliates

14,494,151

15,245,288

19,837,758

17,971,886

1,098,986,835

1,055,063,603

928,076,275

820,562,787

Provision for Credit Facilities

50,632,036

33,389,305

20,782,574

15,018,767

Interests in Suspense

10,303,247

6,236,757

4,346,242

3,766,017

Fixed Assets, Net

43,889,618

38,524,302

32,710,381

27,462,585

Other Assets

305,610,862

249,075,402

212,037,685

184,360,980

Total Assets

2,898,300,754

2,603,683,927

2,183,062,940

1,848,373,078

No. of Transactions

Assets (JD)
Cash and Balances at Central Banks

Trading Investments

Direct Credit Facilities, Net

Deferred Income Tax Assets

Liabilities & Shareholders Equity

Liabilities (JD)
Customers Deposits

782,173,448

2,264,875,293

1,890,854,930

1,550,555,932

Banks & Financial Institutions Deposits

19,547,794

44,041,901

5,197,630

8,525,718

Cash Margins

30,355,669

35,919,125

32,572,095

32,730,860

Loans and Borrowing

1,170,830

1,640,033

1,591,003

2,137,162

24,640

766,088

753,825

701,762

Other Liabilities

1,857,491,687

62,199,118

74,663,199

92,158,364

Total Liabilities

2,690,764,068

2,409,441,558

2,005,632,682

1,686,809,798

Authorized Capital

100,000,000

100,000,000

100,000,000

81,250,000

Subscribed Capital

100,000,000

100,000,000

100,000,000

81,250,000

Paid In Capital

100,000,000

100,000,000

100,000,000

81,250,000

Legal Reserve

34,507,433

30,527,109

26,409,498

22,408,679

Voluntary Reserve

13,886,384

9,939,249

5,922,477

12,061,791

Other Reserves

3,711,895

3,711,895

3,711,895

3,611,895

Issuance Premium

Issuance Discount

Treasury Stocks

Proposed Cash Dividends

15,000,000

15,000,000

12,000,000

12,187,500

Proposed Stock Dividends

25,000,000

57,494

1,787,540

2,117,890

1,978,123

Retained Earnings

14,712,803

32,628,148

26,668,837

27,491,396

Total Shareholders Equity

206,876,009

193,593,941

176,830,597

160,989,384

660,677

648,428

599,661

573,896

2,898,300,754

2,603,683,927

2,183,062,940

1,848,373,078

Deferred Income Tax Liabilities

Shareholders Equity (JD)

Foreign Currencies Translation

Accumulated Change in Fair Value

Minority Interest
Total Liabilities & Shareholders Equity

Income Statement (JD)

Interest Income

102,503,176

93,751,260

83,542,600

64,252,376

Interest Expense

37,471,648

36,533,180

40,825,180

33,959,941

Net Interest Income

65,031,528

57,218,080

42,717,420

30,292,435

Net Commissions Income

10,401,827

10,134,655

10,556,204

11,904,017

Interest and Commissions, Net

75,433,355

67,352,735

53,273,624

42,196,452

Gains from Financial Assets and Instruments

4,524,972

4,880,730

13,313,796

38,093,003

Gains from Foreign Currencies

1,759,524

1,651,519

1,644,852

1,904,550

Other Revenues

13,963,525

8,124,457

9,724,548

11,511,811

Total Income

95,681,376

82,009,441

77,956,820

93,705,816

Employees Expenses

23,770,416

18,797,202

18,405,385

16,603,181

Depreciation & Amortization

3,165,990

2,869,391

2,324,892

1,731,051

Other Expenses

11,933,074

8,922,014

6,860,527

13,726,028

Provision for Direct Credit Facilities (Period)

16,457,097

10,082,957

9,982,280

10,175,051

500,000

100,000

310,328

Total Expenses

55,826,577

40,771,564

37,883,412

42,235,311

Net Income before Tax

39,854,799

41,237,877

40,073,408

51,470,505

Income Tax (Period)

11,401,029

11,600,739

11,026,671

14,920,269

Income Tax ( Previous Years)

Universities and Research Train Fees

401,677

1,012,570

1,270,923

78,000

80,000

80,000

80,000

28,375,770

29,155,461

27,954,167

35,199,313

51,561

61,767

65,221

58,670

28,324,209

29,093,694

27,888,946

35,140,643

Sundry Provisions
Bad Debts Writtens Off

Board of Directors Remuniration

Net Income
Minority Interest
Net Income Pertains to Shareholders

Cash Flow (JD)

Cash Balance (Beginning)

1,071,753,404

867,676,001

671,644,566

628,766,994

Net Cash Flow from (Used In) Operating Activities

41,494,985

(52,402,674)

(29,428,322)

(42,378,324)

Net Cash Flow from (Used In) Investing Activities

1,403,083

(25,468,814)

(32,478,080)

(23,599,664)

Net Cash Flow from (Used In) Financing Activities

192,390,489

280,916,509

256,948,447

107,759,473

Differences in Exchange

940,606

1,032,382

989,390

1,096,087

Cash Balance (Ending)

1,307,982,567

1,071,753,404

867,676,001

671,644,566

Turnover Ratio %

2.43

3.23

18.20

53.27

Earning Per Share (JD)

0.28

0.29

0.28

0.43

Dividend Per Share (JD)

0.15

0.15

0.12

0.15

Book Value Per Share (JD)

2.07

1.94

1.77

1.98

Price Earnings Ratio (Times)

9.71

10.31

11.37

8.55

Dividend Yield %

5.45

5.00

3.79

4.05

Dividends Per Share to Earning Per Share %

52.96

51.56

43.03

34.68

Price to Book Value (Times)

1.33

1.55

1.79

1.87

Return On Assets %

0.98

1.12

1.28

1.90

Return On Equity %

13.69

15.03

15.77

21.83

Net Interest and Commissions Income / Total Income %

78.84

82.13

68.34

45.03

Credit Interest / Credit Facilities, Net %

9.33

8.89

9.00

7.83

Net Income / Total Income %

Total Income / Total Assets %

29.66
3.30

35.55
3.15

35.86
3.57

37.56
5.07

(Provision for Credit Facilities + Interest in Suspense) / Credit Facilities%

5.54

3.76

2.71

2.29

Equity Ratio %

7.16

7.46

8.13

8.74

Shareholders Equity / Total Deposits%

25.80

8.38

9.33

10.33

Financial Ratios

Debt Ratio %

92.84

92.54

91.87

91.26

Total Deposits / Total Assets%

27.66

88.68

86.85

84.35

Net Credit Facilities to Total Assets%

37.92

40.52

42.51

44.39

Net Credit Facilities to Total Deposits%

137.08

45.70

48.95

52.63

Shareholders Equity to Credit Facilities, Net%

18.82

18.35

19.05

19.62

Quick Ratio (Times)

1.66

0.49

0.46

0.44

180.84

54.62

53.28

52.34

1.66

0.49

0.46

0.44

Cash & Investments to Total Deposits%

Cash + Trading Investments / Total Deposits (Times)

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