Investor Relations book q3 2019

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8. 0 20 40 60 80 100 120 140 160
Jordan *
Bahrain **
Oman *
Qatar
Saudi Arabia
UAE ***
Turkey
Egypt
Kuwait
Lebanon
Central Government Private Debt, Loans, and Debt Securities
55
65
75
85
95
105
00 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17
Private Debt, Loans, and Debt Securities Central Government
8

9. -1
0
1
2
3
4
5
6
MENA GCC Egypt * Jordan * Lebanon * Tunisia *
2016 2017 2018E 2019F 2020F
20
40
60
80
100
10 11 12 13 14 15 16 17
Egypt Jordan Lebanon Tunisia
9

10. 3.40
2.60
2.10 2.10
1.90
2.70
2.90 3.00 3.00
0
0.5
1
1.5
2
2.5
3
3.5
4
2014 2015 2016 2017 2018 2019 2020 2021 2022
Actual Figures IMF Expectations
94.4 90.8 86.2 81.6 77.0
0
20
40
60
80
100
120
2014 2015 2016 2017 2018 2019 2020 2021 2022
Actual Figures IMF Expectations
10

11. 1.3 1.4 1.6
-4
-3
-2
-1
0
1
2
2014 2015 2016 2017 2018 2019 2020 2021 2022
Actual Figures IMF Expectations
-7.0
-7.6
-7
-6.4 -6.2
-12
-10
-8
-6
-4
-2
0
2014 2015 2016 2017 2018 2019 2020 2021 2022
Actual Figures IMF Expectations
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12. 12

13. • Jordan Ahli Bank caters to numerous segments of the market. It
offers innovative and efficient services that deliver added value
to meet a diverse range of banking needs with speed while
achieving the highest level of customer care and satisfaction.
• The Bank’s customer dedication and commitment to exceptional
service is at the very core of the Bank’s identity and culture.
Jordan Ahli Bank strives to embody the values of “excellence and
specialization” in all the services and products it offers, both
banking and non-banking, and the values of “creativity and
innovation” which drive the Bank’s strategy of adapting and
growing to meet the changing demands of customers.
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15. Vision Mission Values
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18. Amongst the best
banks in MENA to
fully comply with
international
Corporate
Governance
standards
Clear Separation of
Duties Between
Board and
Executive Team
Regular 3rd party
assessment of
board governance
practices
Focus on Long
Term Value
Creation, Results,
and an engaged,
accountable, value
driven corporate
culture
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20. Corporate Governance
Committee
Audit Committee
Risk and Compliance
Committee
Nominations and
Remunerations
Committee
Board Facilities
(Executive) Committee
Strategies &
Information
Technology Committee
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29. •
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32. •One of the leading banks in Jordan in terms of size (Assets, Credit Facilities and
Customer Deposits).
•Strong governance led by a team of heavily experienced management, along with an
ambitious and highly qualified board of directors.
•High revenues in 2016 - 2017 enabled JAB to take aggressive provisions to improve the
strength and quality of its portfolio and debt coverage ratios going forward.
•Substantial improvement in credit policies and asset quality across all segments.
•Reasonable capitalization along with strong liquidity levels
•Continuously working to achieve the optimal Cost-to-Income ratios by lowering Cost of
Funds, increasing revenues, and controlling expenses
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38

39. 2,055 2,011 2,005 1,919 1,939 1,934 1,950 1,912 1,896 1,872 1,895
1,464 1,482 1,492 1,484 1,479 1,493 1,459 1,425 1,424 1,421 1,432
71.24% 73.68% 74.38%
77.34% 76.29% 77.20% 74.84% 74.51% 75.11% 75.91% 75.56%
%
%
%
%
%
%
%
%
39
41.24% 39.58% 39.10% 38.26% 37.92% 38.25% 39.68% 40.34% 39.76% 40.32% 39.41%
51.53% 53.12% 53.69% 54.38% 53.74% 53.54% 52.07% 51.18% 51.11% 50.56% 51.55%

40. 40
Q1 Q2 Q3 Q4 Q1 Q2 Q3
2018 2019
Earnings Before Tax
Q1 Q2 Q3 Q4 Q1 Q2 Q3
2018 2019
Cost to Income - %

41. 36.9 38.6 38.4
41.0 40.8 41.6 40.8
16.6 17.0 18.0 19.1 19.9 20.3 20.8
Q1 Q2 Q3 Q4 Q1 Q2 Q3
2018 2019
Interest Income Interest Expense
41
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•

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42
19.66
25.42 25.80
27.74
17.07
19.81 19.44
22.63
19.74 19.47
20.22
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3
2017 2018 2019
Total Expenses Linear (Total Expenses )
10.24
10.14
9.83
9.97
10.22
9.99
10.18
10.84
9.90
10.33
9.96
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3
2017 2018 2019
Employee Expenses
0.44
5.20
6.24
6.06
-1.99
2.42
0.44
1.16 1.34 1.30 1.63
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3
2017 2018 2019
Total Provisions
6.33
7.00
6.57
8.40
5.78
4.69
5.86
7.33
5.51
5.01
5.79
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3
2017 2018 2019
Other Expenses

43. 43
63%
21%
14%
1%
1%
Loans and Promissory notes
Real Estate Loans (Retail)
Overdraft Accounts
Government and Public Sector
Credit Cards
76%
11%
8%
5%
Customer deposits
Cash margins
Other liabilities
Banks and Financial Institutions Deposits

44. 44

45. 43.4%
43.5%
11.5%
1.5%
Individuals
Corporates
SME's
Government and Public Sector
45
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-
100
200
300
400
500
Real Estate Trade Individuals Financial, Public Facilities and
Services
Industrial
Millions
2016 Q2 2016 Q4 2017 Q2 2017 Q4 2018 Q2 2018 Q4 2019 Q2

46. 46
711
730
707
714 718
706
670 665 665 661
Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3
2017 2018 2019
Individuals
280 285 289
342 347 342
323 322 321 319
Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3
2017 2018 2019
Real Estate (Retail)
703
695
705
671
685
666
646
654
648
663
Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3
2017 2018 2019
Corporates
166
174
167
195
198 197
183 182
188
176
Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3
2017 2018 2019
SME's

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47
Balance and
deposits at
banks and FIs
6%
Other
9%
Cash and
Balance at
Central Banks
7%
Investments
27%
Loans
52%
Equity
4%
Bonds
96%

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49. 49
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•
29.7%
9.1%
40.7%
20.4%
0.1%
Individuals
Property Loans
Corporates
SME's
Government and
Public Sector

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50
2,006
2,061
2,040
1,917
1,959
13.11%
14.12%
14.04% 14.73% 14.69%
1,800
1,850
1,900
1,950
2,000
2,050
2,100
9.00%
10.00%
11.00%
12.00%
13.00%
14.00%
15.00%
16.00%
Q2 Q4 Q2 Q4 Q2
2017 2018
Millions
Risk Weighted Assets Regulatory Capital Adequacy Ratio (%)

51. 51

52. 52

53. 53

54. 54

55. 55
15%
10% 10% 10% 10%
6%
10% 10%
5% 5%
6%
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
1.43
1.22
1.08
1.15
1.32
1.25
1.15
1.18
1.08
0.94
0.9
1
1.1
1.2
1.3
1.4
1.5
1.6
1.7
1.8
2010 2011 2012 2013 2014 2015 2016 2017 2018 Q3 2019
High Low Closing Price

56. -2.6%
2.7%
10.4%
-0.8%
-7.9%
0.9%
3.4%
-0.8%
-2.5%
0.9%
3.4% 2.5%
-0.8%
0.8%
2.4% 3.1% 3.7%
-1.7%
0.9%
-0.9%
-2.6%-3.6%
0.9% 1.9% 0.9%
-5.4%
-1.0%
1.0%
-6.7%
-2.0%
-2.1%
January
February
March
April
May
June
July
August
September
October
November
December
January
February
March
April
April
May
June
July
August
September
October
November
December
January
February
March
April
May
June
July
August
September
2017 2018 2019
Ahli Closing Banking Index
56
•
•
6.41%
8.13%
8.85%
7.58%8.00%
4.24%
5.55%
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

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