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Invest Bank (بنك الاستثمار)
Main Activities: Banking and Credit Intermediation
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Company Information |
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Full name Jordan Investment and Finance Bank (بنك الاردن للاستثمار المالي) Headquarters Amman - Shmeisani Isam Ajlouni Street P.O Box 950601 Amman, Jordan 11195; Amman; West Zone; 11195 |
Status: Listed Legal Form: Other non-liability limited Operational Status: Operational ISIN CODE : JO1101411014 Financial Auditors: Deloitte Touche Tohmatsu (2012) Total Employees: 273 Tel: 00962 6 5665145 - 00962 6 5665101/4 |
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Company Description |
| Jordan Investment & Finance Bank (Investbank) is a Jordan-based financial institution that offers a range of commercial and investment banking services. The Bank provides its services in three divisions: Corporate Banking & International division offers commercial loans, financial loans, international trade, and other related services; the Retail banking division offers deposits and retail customer services, personal loans, car loans, credit cards, housing loans, and loan consolidation services, | ||
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Company Analysis |
| According to the Individual - Audited financial statement for the Year of 2011, total net operating revenues increased with 3.88%, from JOD 39,910.967 thousands to JOD 41,458.023 thousands. The results of the period decreased -11.86% reaching JOD 9,595.553 thousands at the end of the period against JOD 10,887.111 thousands last year. Return on equity (Net income/Total equity) went from 10.12% to 7.28%, the Return On Asset (Net income / Total Asset) went from 1.61% to 1.39% and the Net Profit Margin (Net Income/Net Sales) went from 27.28% to 23.15% when compared to the same period of last year. The Debt to Equity Ratio (Total Liabilities/Equity) was 424.48% compared to 529.41% of last year. Finally, the Current Ratio (Current Assets/Current Liabilities) went from 0.29 to 0.22 when compared to the previous year. |
Key Executives |
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FULL COMPANY PROFILE
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2011 Y (non-cons) |
2010 Y (non-cons) |
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| Audited | Audited | |
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| Finglobe - MENA Spread Financial Statements | Finglobe - MENA Spread Financial Statements | |
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| Unit | Thousands | Thousands |
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Balance Sheet
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Total Assets |
691,771 |
677,216 |
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Current Assets |
122,421 |
131,918 |
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Total Liabilities |
559,874 |
569,621 |
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Shareholders Equity |
131,897 |
107,595 |
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Current Liabilities |
545,038 |
449,295 |
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| * All the accounts are in JOD. | ||
Income Statement
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Total Operating Revenue |
41,458 |
39,910 |
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Net Profit (Loss) |
9,595 |
10,887 |
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| * All the accounts are in JOD. | ||
Ratios
| Profitability Ratios | ||
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Return on Assets (ROA) |
1.39% |
1.61% |
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Annualised Return on Assets (ROA) |
1.39% |
1.61% |
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Return on Equity (ROE) |
7.28% |
10.12% |
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Annualised Return on Equity (ROE) |
8.93% |
11.68% |
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Return on Sales (ROS) |
23.15% |
27.28% |
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Gross Profit Margin |
100% |
100% |
| Efficiency Ratios | ||
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Current asset turnover |
0.34x |
0.30x |
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Fixed-asset turnover |
0.07x |
0.07x |
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Asset Turnover |
0.06x |
0.06x |
| Valuation figures and ratios | ||
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EBITDA |
1,570 |
1,138 |
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Enterprise value |
491,727 |
562,478 |
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Enterprise Value / EBITDA |
313.04 |
494.12 |
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Bookvalue (BV) |
131,897 |
107,595 |
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Net Cash |
-387,877 |
-437,703 |
| Liquidity Ratios | ||
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Current Ratio |
22.46% |
29.36% |
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Quick ratio |
22.46% |
29.36% |
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Doom's day ratio |
31.56% |
29.36% |
| Leverage Ratios | ||
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Leverage ratio |
524.48% |
629.41% |
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Debt to equity |
424.48% |
529.41% |
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Debt to total assets |
80.93% |
84.11% |
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Long Term Debt to Capital |
10.11% |
52.79% |
| Market ratios | ||
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Market Capitalization/EBITDA |
66.11 |
109.61 |
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Market Cap / Net cash |
-0.27 |
-0.29 |
| Trend Ratios | ||
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Revenue Trend |
103.88% |
106.3% |
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Net Income Trend |
88.14% |
150.41% |
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