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Company data displayed is for sample purposes only and may not reflect the most current information available on Emerging Markets Information Service (EMIS).
The Housing Bank for Trade & Finance (بنك الإسكان)
Main Activities: Banking and Credit Intermediation
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Company Information |
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Full name The Housing Bank for Trade & Finance (بنك الإسكان) Headquarters Abdali – Parliament Street P.O.Box : 7693 Amman 11118 Jordan ; Amman; West Zone; 11118 |
Status: Listed Legal Form: Other non-liability limited Operational Status: Operational ISIN CODE : JO1100411015 Financial Auditors: Ernst & Young (2012) Total Employees: 1,828 Tel: 00962 5005555 |
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Company Description |
| The Housing Bank for Trade and Finance (HBTF) is a Jordan-based provider of commercial and investment banking services. The Bank offers retail banking, commercial banking, and treasury and investment products and services. The retail segment offers current account, savings account, salaries account, AMAN account, Sayyidaty (Lady’s) account, time deposit account, housing loans, personal loans, wire transfers, bank drafts, travelers cheques and Western Union transfers. Its commercial banking segment | ||
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Company Analysis |
| According to the Consolidated - Audited financial statement for the Year of 2011, total net operating revenues increased with 4.02%, from JOD 281,129.562 thousands to JOD 292,416.961 thousands. The results of the period increased 13.08% reaching JOD 100,002.298 thousands at the end of the period against JOD 88,437.238 thousands last year. Return on equity (Net income/Total equity) went from 8.64% to 9.54%, the Return On Asset (Net income / Total Asset) went from 1.32% to 1.44% and the Net Profit Margin (Net Income/Net Sales) went from 31.46% to 34.20% when compared to the same period of last year. The Debt to Equity Ratio (Total Liabilities/Equity) was 561.62% compared to 552.36% of last year. Finally, the Current Ratio (Current Assets/Current Liabilities) went from 1.18 to 0.82 when compared to the previous year. |
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Companies with Similar Main Activities |
FULL COMPANY PROFILE
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2012 Y (cons) |
2011 Y (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 |
7,091,627 |
6,937,969 |
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Current Assets |
4,662,419 |
4,678,687 |
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Total Liabilities |
6,044,962 |
5,889,334 |
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Shareholders Equity |
1,046,664 |
1,048,635 |
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Current Liabilities |
5,628,665 |
5,718,419 |
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| * All the accounts are in JOD. | ||
Income Statement
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Total Operating Revenue |
336,437 |
292,416 |
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Net Profit (Loss) |
104,488 |
100,002 |
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| * All the accounts are in JOD. | ||
Ratios
| Profitability Ratios | ||
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Return on Assets (ROA) |
1.47% |
1.44% |
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Annualised Return on Assets (ROA) |
1.47% |
1.44% |
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Return on Equity (ROE) |
9.98% |
9.54% |
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Annualised Return on Equity (ROE) |
9.96% |
9.77% |
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Return on Sales (ROS) |
31.06% |
34.2% |
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Gross Profit Margin |
100% |
100% |
| Efficiency Ratios | ||
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Current asset turnover |
0.07x |
0.06x |
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Fixed-asset turnover |
0.14x |
0.13x |
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Asset Turnover |
0.05x |
0.04x |
| Valuation figures and ratios | ||
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EBITDA |
86,477 |
29,239 |
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Enterprise value |
7,363,638 |
7,052,911 |
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Enterprise Value / EBITDA |
85.15 |
241.21 |
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Bookvalue (BV) |
1,033,331 |
1,039,748 |
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Net Cash |
-5,188,815 |
-4,926,920 |
| Liquidity Ratios | ||
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Current Ratio |
82.83% |
81.82% |
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Quick ratio |
82.83% |
81.82% |
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Doom's day ratio |
15.21% |
16.83% |
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Cash Flow to Debt |
-2.03% |
4.46% |
| Leverage Ratios | ||
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Leverage ratio |
677.55% |
661.62% |
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Debt to equity |
577.55% |
561.62% |
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Debt to total assets |
85.24% |
84.89% |
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Long Term Debt to Capital |
30.45% |
15.4% |
| Market ratios | ||
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Market Capitalization/EBITDA |
24.04 |
68.95 |
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Market Cap / Net cash |
-0.40 |
-0.41 |
| Trend Ratios | ||
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Revenue Trend |
115.05% |
104.02% |
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Net Income Trend |
104.49% |
113.08% |
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