Vertical analysis for statement of financial position 2018

Cash and balances at central Banks: 14.23%

Balances at banks and financial institutions: 6.65%
Deposits at banks and financial institutions: 0.45%
Financial assets at fair value through profit or loss: 0.04%
Direct credit facilities-net: 51.32%
Financial assets at fair value through other comprehensive income: 4.48%
Financial assets at amortized cost - net: 17.91%
Property and equipment - net: 2.24%
Intangible assets - net: 0.28%
Deferred tax assets: 0.92%
Other assets: 1.48%
Liabilities:
Banks and financial institutions deposits: 7.42%
Customers' deposits: 70.71%
Cash margins: 3.46%
Borrowed funds: 1.52%
Sundry provisions: 0.65%
Income tax provision: 0.60%
Deferred tax liabilities: 0.05%
Other liabilities: 2.53%
Owners' Equity:
Bank's Shareholders' Equity:
Paid-up capital: 3.79%
Share premium: 3.95%
Statutory reserve: 2.64%
General banking risks reserve: 0.00%
Special reserve: 0.13%
Foreign currencies translation: -1.37%
Fair value reserve - net: -0.03%
Retained earnings: 3.23%
Total Bank's Shareholders' Equity: 12.36%
Non-controlling interest: 0.65%
Vertical analysis for income statement 2018
Interest income: 100.00%
Interest expense: 32.82%
Net Interest Income: 67.18%
Net commission income: 6.19%
Net Interest and Commission Income: 73.37%
Gain from foreign currencies: 2.68%
(Loss) from financial assets at fair value through profit or loss: -0.11%
Cash dividends from financial assets at fair value through other comprehensive income: 0.04%
Other income: 7.42%
Total Income: 100.00%
Vertical analysis for statement of financial position 2019
Assets:
Cash and balances at central banks-net: 13.21%
Balances at banks and financial institutions-net: 5.36%
Deposits at banks and financial institutions-net: 0.67%
Financial assets at fair value through profit or loss: 0.04%
Direct credit facilities-net: 49.23%
Financial assets at fair value through other comprehensive income: 4.61%
Financial assets at amortized cost - net: 21.65%
Property and equipment - net: 2.19%
Intangible assets - net: 0.28%
Right of use asset: 0.34%
Deferred tax assets: 0.88%
Other assets: 1.53%
TOTAL ASSETS: 100.00%
Liabilities and Owners' Equity: Liabilities:
Banks and financial institutions deposits: 8.61%
Customers' deposits: 79.39%
Cash margins: 3.81%
Borrowed funds: 2.01%
Sundry provisions: 0.68%
Income tax provision: 0.59%
Deferred tax liabilities: 0.09%
Lease liability: 0.37%
Other liabilities: 3.14%
TOTAL LIABILITIES: 100.00%
Owners' Equity:
BANK'S SHAREHOLDERS' EQUITY:
Paid-up capital: 29.61%
Share premium: 30.70%
Statutory reserve: 22.05%
Special reserve: 1.05%
Foreign currencies translation: -10.53%
Fair value reserve - net: 0.51%
Retained earnings: 26.75%
TOTAL BANK'S SHAREHOLDERS' EQUITY: 94.52%
Non-controlling interest: 5.48%
TOTAL OWNERS' EQUITY: 100.00%
TOTAL LIABILITIES AND OWNERS' EQUITY: 100.00%
Vertical analysis for income statement 2019
Interest income: 100.00%
Interest expense: 33.50%
Net Interest Income: 66.50%
Net commission income: 6.00%
Net Interest and Commission Income: 72.50%
Gain from foreign currencies: 2.34%
Gain (loss) from financial assets at fair value through profit or loss: 0.00%
Cash dividends from financial assets at fair value through other comprehensive income: 0.05%
Other income: 5.99%
Total Income: 80.87%
Expenses:
Employees' expenses: 18.48%
Depreciation and amortization: 5.11%
Other expenses: 12.13%
Allowance for expected credit loss - net: 12.35%
Sundry provisions - net: 3.20%
Total Expenses: 51.27%
Profit for the Year before Income Tax Expense: 29.62%
Income tax: 10.87%
Profit for the Year: 18.76%
Attributable to:
Bank's Shareholders: 18.15%
Non-Controlling Interest: 0.61%
Vertical financial position 2020

Total Assets: 100.00%

Cash and balances at central banks - net: 13.44%
Balances at banks and financial institutions - net: 4.33%
Deposits at banks and financial institutions - net: 0.65%
Financial assets at fair value through profit or loss: 0.05%
Financial assets at fair value through other comprehensive income: 4.47%
Direct credit facilities at fair value through profit or loss: 1.57%
Direct credit facilities at amortized cost - net: 47.82%
Financial assets at amortized cost - net: 22.07%
Property and equipment - net: 2.11%
Intangible assets - net: 0.23%
Right of use asset: 0.30%
Deferred tax assets: 1.27%
Other assets - net: 1.49%
Total Liabilities: 100.00%
Banks and financial institutions deposits: 10.61%
Customers' deposits: 74.81%
Cash margins: 3.20%
Borrowed funds: 4.30%
Sundry provisions: 0.57%
Income tax provision: 0.66%
Deferred tax liabilities: 0.12%
Lease liability: 0.33%
Other liabilities: 3.12%
Total Owners' Equity: 100.00%
Bank's Shareholders' Equity:
Authorized and paid-up capital: 27.04%
Share premium: 28.27%
Statutory reserve: 20.94%
Special reserve: 0.98%
Foreign currencies translation: -10.39%
Fair value reserve - net: 0.83%
Retained earnings: 26.98%
Non-controlling interest: 5.25%
Vertical income statement 2020
Interest income: 100%
Interest expense: 25.06%
Net Interest Income: 74.94%
Net commission income: 5.37%
Net Interest and Commission Income: 80.31%
Gain from foreign currencies: 2.31%
Gain (loss) from financial assets at fair value through profit or loss: 0.57%
Cash dividends from financial assets at fair value through other comprehensive income: 0.05%
Other income: 6.39%
Total Income: 89.66%
Employees' expenses: 18.86%
Depreciation and amortization: 6.03%
Other expenses: 13.96%
Allowance for expected credit loss - net: 30.14%
Sundry provisions - net: 0.71%
Intangible assets impairment loss: 0.80%
Total Expenses: 70.65%
Profit for the Year before Income Tax Expense: 19.10%
Income tax: -8.64%
Profit for the Year: 10.46%
Attributable to Bank's Shareholders: 9.01%
Non-Controlling Interest: 1.45%
Vertical financial position 2021

Cash and balances at central banks - net: 12.19%

Balances at banks and financial institutions - net: 4.98%
Deposits at banks and financial institutions - net: 0.61%
Financial assets at fair value through profit or loss: 0.06%
Financial assets at fair value through other comprehensive income: 4.56%
Direct credit facilities at fair value through profit or loss: 1.17%
Direct credit facilities at amortized cost - net: 46.68%
Financial assets at amortized cost - net: 24.13%
Property and equipment - net: 2.02%
Intangible assets - net: 0.24%
Right of use asset: 0.30%
Deferred tax assets: 1.48%
Other assets net: 1.49%
Liabilities:
Banks and financial institutions deposits: 12.59%
Customers' deposits: 63.16%
Cash margins: 3.28%
Borrowed funds: 4.39%
Sundry provisions: 0.34%
Income tax provision: 0.68%
Deferred tax liabilities: 0.08%
Lease liability: 0.29%
Other liabilities: 3.36%
Owners' Equity:
Bank's Shareholders' Equity:
Authorized and paid-up capital: 3.82%
Share premium: 3.97%
Statutory reserve: 3.13%
Special reserve: 0.14%
Foreign currencies translation: -1.55%
Fair value reserve-net: 0.04%
Retained earnings: 4.45%
Non-Controlling interest: 0.75%
Vertical income statement 2021
Interest income: 100%
Interest expense: 19.45%
Net Interest Income: 80.55%
Net commission income: 6.24%
Net Interest and Commission income: 86.79%
Gain from foreign currencies: 2.15%
(Loss) gain from financial assets at fair value through profit or loss: -0.39%
Cash dividends from financial assets at fair value through other comprehensive income: 0.05%
Other income: 6.65%
Total income: 100%
Expenses:
Employees' expenses: 21.51%
Depreciation and amortization: 6.68%
Other expenses: 15.32%
Allowance for expected credit loss - net: 14.10%
(Recovery of) expense sundry provisions - net: -3.81%
Intangible assets impairment loss: 0%
Total Expenses: 54.15%
Profit for the Year Before Income Tax Expense: 46.02%
Income tax: -14.97%
Profit for the Year: 31.05%
Attributable to Bank's Shareholders: 30.25%
Non-Controlling Interest: 1.29%
Basic and diluted earnings per share for the year attributable to the Bank's Shareholders: JD 0.335