Ir report h1 2019

2. 2

3. 3

4. 4

5. 5

6. 6

7. 7

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
11

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.
13

14. 14

15. 15

16. 16

17. 17

18. •
•
•
•
18

19. 19

20. •
•
•
•
20
Coverage Ratio - % Cost of Risk - % NPL Ratio - %

21. 21
41.24% 39.58% 39.10% 38.26% 37.92% 38.25% 39.68% 40.34% 39.76% 40.32%
2,055 2,011 2,005 1,919 1,939 1,934 1,950 1,912 1,896 1,872
1,464 1,482 1,492 1,484 1,479 1,493 1,459 1,425 1,424 1,421
71.24%
73.68% 74.38%
77.34% 76.29% 77.20% 74.84% 74.51% 75.11% 75.91%
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2
2017 2018 2019
Customer deposits Direct credit facilities - net Loan to Deposit - LTD %

22. 20.3 21.6 20.4 22.0 20.9 21.3
4.8
4.9 5.8 3.6 4.5 3.3
3 2 2 2 4
3
Net Interest Revenue Net Commission Revenue Non Interest and Commission Income
68.65%
63.26%
67.16%
75.01%
61.58%
66.37%
Q1 Q2 Q3 Q4 Q1 Q2
2018 2019
Cost to Income - %
22
10.69
7.68
8.84
6.00
10.14
7.90
Earnings Before Tax

23. 36.9 38.6 38.4
41.0 40.8 41.6
16.6 17.0 18.0 19.1 19.9 20.3
Interest Income Interest Expense
23
•
•

24. •
•
•
24
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2
2017 2018 2019
Employee Expenses
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2
2017 2018 2019
Total Provisions
19.66
25.42 25.80
27.74
17.07
19.81 19.44
22.63
19.74 19.47
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2
2017 2018 2019
Total Expenses Linear (Total Expenses )
6.33
7.00
6.57
8.40
5.78
4.69
5.86
7.33
5.51
5.01
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2
2017 2018 2019
Other Expenses

25. 25
62%
21%
15%
1%
1%
Loans and Promissory notes
Real Estate Loans (Retail)
Overdraft Accounts
Government and Public Sector
Credit Cards
75%
10%
10%
5%
Customer deposits
Cash margins
Other liabilities
Banks and Financial Institutions Deposits

26. 26

27. 43.7%
42.5%
12.3%1.5%
Individuals
Corporates
SME's
Government and Public Sector
27
•
•
-
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

28. 28
711
730
707
714 718
706
670 665 665
Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2
2017 2018 2019
Individuals
280 285 289
342 347 342
323 322 321
Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2
2017 2018 2019
Real Estate (Retail)
703
695
705
671
685
666
646
654
648
Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2
2017 2018 2019
Corporates
166
174
167
195
198 197
183 182
188
Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2
2017 2018 2019
SME's

29. m
29

30. 30

31. 31
94.67 90.48
100.97
75.15 77.14
76.63%
83.77%
95.09% 92.64% 95.19%
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
70.00%
80.00%
90.00%
100.00%
-
20
40
60
80
100
120
Q2 Q4 Q2 Q4 Q2
Accumulated Provisions Coverage Ratio - %
161
142 136
104 107
10.02%
8.83%
8.40%
6.82% 7.04%
0.00%
2.00%
4.00%
6.00%
8.00%
10.00%
12.00%
-
50
100
150
200
Q2 Q4 Q2 Q4 Q2
Non-Performing Loans NPL Ratio
•
•
25.7%
8.0%
47.8%
18.4%
0.1%Individuals
Property Loans
Corporates
SME's
Government and
Public Sector

32. •
•
32
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 (%)

33. 33

34. 34

35. 35

36. 36

37. 37
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
1.05
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 Q2 2019
High Low Closing Price

38. -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%
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
2017 2018 2019
Ahli Closing Banking Index
38
•
•
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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43. ❖
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