JORDAN DUBAI ISLAMIC BANK

Trading Information

111006

2011

2010

2009

2008

Par Value/Share (JD)

1.00

1.00

1.00

1.00

Closing Price (JD)

0.87

1.28

2.36

Value Traded (JD)

23,223,722

9,824,935

236,102,219

No. of Shares Traded

24,201,246

5,489,812

63,604,927

14,027

3,240

28,347

No. of Subscribed Shares

89,000,000

75,000,000

50,000,000

24,000,000

Market Capitalization (JD)

77,430,000

96,000,000

56,640,000

Fiscal Year Ended

12/31/2011

12/31/2010

12/31/2009

12/31/2008

Cash and Balances at Central Banks

21,280,772

45,042,107

51,297,413

1,307,046

Balances at Banks and Financial Institutions

19,175,578

16,420,970

23,465,231

10,246,296

Deposits at Banks and Financial Institutions

No. of Transactions

Assets (JD)

Trading Investments

531,699

119,012

103,868

Available for Sale Investments

7,292,322

5,325,169

3,288,372

4,963,470

Held to Maturity Investments, Net

2,231,690

1,337,064

250,000

322,963

275,705

196,177,866

116,373,419

49,047,617

92,345,380

1,345,737

492,048

19,638,786

71,730

106,428

25,684,662

10,814,751

9,211,574

3,132,371

1,790,174

618,540

288,790

Other Assets

91,977,839

73,813,640

8,253,726

2,987,266

Total Assets

350,424,020

268,088,438

138,603,742

113,993,500

Investments in Affiliates
Direct Credit Facilities, Net
Provision for Credit Facilities
Interests in Suspense
Fixed Assets, Net
Deferred Income Tax Assets

Liabilities & Shareholders Equity

Liabilities (JD)
Customers Deposits

38,643,252

28,783,612

96,986

Banks & Financial Institutions Deposits

12,728,547

10,635,000

Cash Margins

4,463,719

1,850,700

1,518,967

2,016,977

Loans and Borrowing

2,282,076

2,527,568

3,242,572

28,623,994

59,197

280,315

426,555

694,576

Other Liabilities

177,189,664

114,138,198

18,914,766

40,418,763

Total Liabilities

235,366,455

158,215,393

24,102,860

71,851,296

Authorized Capital

89,000,000

75,000,000

50,000,000

24,000,000

Subscribed Capital

89,000,000

75,000,000

50,000,000

24,000,000

Paid In Capital

89,000,000

75,000,000

50,000,000

24,000,000

Legal Reserve

20,074,617

19,572,440

19,572,440

19,572,440

Voluntary Reserve

1,943,336

5,337,536

5,337,536

5,337,536

300,000

300,000

1,000,000

1,000,000

Issuance Premium

10,605,800

35,780,800

2,742,249

Issuance Discount

Treasury Stocks

Proposed Cash Dividends

Proposed Stock Dividends

Foreign Currencies Translation

Accumulated Change in Fair Value

995,295

1,951,428

3,739,612

(942,731)

1,814,811

(12,461,449)

115,057,565

109,873,045

114,500,882

42,142,204

350,424,020

268,088,438

138,603,742

113,993,500

Deferred Income Tax Liabilities

Shareholders Equity (JD)

Other Reserves

Retained Earnings
Total Shareholders Equity
Minority Interest
Total Liabilities & Shareholders Equity

Income Statement (JD)

Interest Income

8,830,230

2,057,815

7,721,037

10,582,451

Interest Expense

4,303,226

1,690,315

1,231,985

2,532,276

Net Interest Income

4,527,004

367,500

6,489,052

8,050,175

Net Commissions Income

2,037,814

566,796

Interest and Commissions, Net

6,564,818

934,296

6,489,052

8,050,175

Gains from Financial Assets and Instruments

763,942

699,281

635,625

(1,086,943)

Gains from Foreign Currencies

493,524

247,800

(157,444)

Other Revenues

11,913,508

3,469,665

4,656,930

909,030

Total Income

19,735,792

5,351,042

11,781,607

7,714,818

Employees Expenses

6,239,810

4,246,301

2,848,354

1,905,382

Depreciation & Amortization

1,058,741

424,403

111,495

113,472

Other Expenses

2,038,030

4,756,315

5,027,519

1,082,519

Provision for Direct Credit Facilities (Period)

3,225,128

85,249

839,168

(936,587)

Sundry Provisions

2,145,713

305,249

Total Expenses

14,707,422

9,817,517

8,826,536

2,164,786

Net Income before Tax

5,028,370

(4,466,475)

2,955,071

5,550,032

Income Tax (Period)

(329,750)

(563,933)

1,008,341

2,356,000

Income Tax ( Previous Years)

Universities and Research Train Fees

76,919

6,600

55,000

55,000

50,000

5,351,520

(3,957,542)

1,814,811

3,144,032

5,351,520

(3,957,542)

1,814,811

3,144,032

Bad Debts Writtens Off

Board of Directors Remuniration

Net Income
Minority Interest
Net Income Pertains to Shareholders

Cash Flow (JD)

Cash Balance (Beginning)

50,828,077

74,762,644

11,553,342

20,472,865

Net Cash Flow from (Used In) Operating Activities

(103,590,165)

(82,787,790)

17,438,117

5,305,409

Net Cash Flow from (Used In) Investing Activities

19,977,242

(42,639,199)

(347,393)

3,572,539

Net Cash Flow from (Used In) Financing Activities

60,512,649

101,492,422

46,118,578

(17,797,471)

Differences in Exchange

Cash Balance (Ending)

27,727,803

50,828,077

74,762,644

11,553,342

Turnover Ratio %

27.19

7.32

0.00

265.02

Earning Per Share (JD)

0.06

-0.05

0.04

0.13

Dividend Per Share (JD)

0.00

0.00

0.00

0.00

Book Value Per Share (JD)

1.29

1.46

2.29

1.76

Price Earnings Ratio (Times)

14.47

-24.26

0.00

18.02

Dividend Yield %

0.00

0.00

#DIV/0!

0.00

Dividends Per Share to Earning Per Share %

0.00

0.00

0.00

0.00

Price to Book Value (Times)

0.67

0.87

0.00

1.34

Return On Assets %

1.53

-1.48

1.31

2.76

Return On Equity %

4.65

-3.60

1.58

7.46

Net Interest and Commissions Income / Total Income %

33.26

17.46

55.08

104.35

Credit Interest / Credit Facilities, Net %

4.50

1.77

15.74

11.46

Net Income / Total Income %

Total Income / Total Assets %

27.12
5.63

-73.96
2.00

15.40
8.50

40.75
6.77

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

0.72

0.51

0.00

49.08

Equity Ratio %

32.83

40.98

82.61

36.97

Shareholders Equity / Total Deposits%

223.97

278.73

#DIV/0!

43451.84

Financial Ratios

Debt Ratio %

67.17

59.02

17.39

63.03

Total Deposits / Total Assets%

14.66

14.70

0.00

0.09

Net Credit Facilities to Total Assets%

55.98

43.41

35.39

81.01

Net Credit Facilities to Total Deposits%

381.88

295.22

#DIV/0!

95215.17

Shareholders Equity to Credit Facilities, Net%

58.65

94.41

233.45

45.64

Quick Ratio (Times)

0.80

1.56

#DIV/0!

120.19

Cash & Investments to Total Deposits%

98.96

173.52

#DIV/0!

17394.96

Cash + Trading Investments / Total Deposits (Times)

0.80

1.56

#DIV/0!

120.19

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