Arab Jordan Investment Bank (ASE: AJIB)

ASE: AJIB Balance Sheet

Financials in millions JOD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	623.76	665.17	576.11	476.72	451.29	352.27
Investment Securities	759.56	811.19	825.81	776.81	741.03	777.21
Trading Asset Securities	-	-	0.66	1.61	1.25	1.2
Total Investments	759.56	811.19	826.48	778.42	742.28	778.41
Gross Loans	849.05	874.38	830.45	886.14	856.51	831.49
Allowance for Loan Losses	-27.2	-23.08	-13.82	-19.01	-20.5	-13.28
Other Adjustments to Gross Loans	-5.63	-3.73	-2.49	-3.22	-2.96	-2.74
Net Loans	816.22	847.57	814.14	863.91	833.05	815.47
Property, Plant & Equipment	75.98	77.2	74.63	71.49	73.09	75.02
Other Intangible Assets	11.02	13.05	1.48	1.74	1.79	1.61
Accrued Interest Receivable	-	19.05	19.37	16.7	16.46	18.13
Restricted Cash	88.23	77.82	69.53	61.7	57.3	68.25
Other Current Assets	-	2.64	2.8	2.33	1.83	2.05
Long-Term Deferred Tax Assets	3.31	3.31	3.32	3.33	3.36	0.52
Other Real Estate Owned & Foreclosed	-	14.9	22.54	21.73	17.13	17.15
Other Long-Term Assets	54.71	5.58	4.04	2.86	2.63	3.17
Total Assets	2,433	2,537	2,414	2,301	2,200	2,132
Accounts Payable	-	0.31	0.24	0.3	14.3	31.44
Accrued Expenses	-	3.87	2.08	2.3	2	1.67
Interest Bearing Deposits	2,049	1,809	1,668	1,527	1,521	1,491
Non-Interest Bearing Deposits	-	149.56	119.53	230.53	254.06	221.07
Total Deposits	2,049	1,958	1,787	1,757	1,775	1,712
Short-Term Borrowings	-	33.2	47.13	36.8	25.22	100
Current Portion of Long-Term Debt	32.99	200	239.29	182.76	95.41	-
Current Income Taxes Payable	6.02	8.1	9.43	8.27	6.95	6.82
Accrued Interest Payable	-	13.42	8.76	7.57	5.82	8.63
Other Current Liabilities	-	70.12	50.84	44.78	44.12	36.12
Long-Term Debt	-	-	-	-	-	4.46
Long-Term Leases	-	2.52	2.45	2.17	2.46	2.93
Long-Term Unearned Revenue	-	0.65	0.52	0.55	0.58	0.6
Pension & Post-Retirement Benefits	-	0.94	0.52	0.51	0.54	0.51
Other Long-Term Liabilities	107.93	8.32	32.87	28.96	3.67	10.9
Total Liabilities	2,196	2,300	2,181	2,072	1,976	1,916
Common Stock	150	150	150	150	150	150
Retained Earnings	54.65	69.65	66.08	63.44	61.35	51.71
Comprehensive Income & Other	13.05	-1.41	-2.04	-3.36	-5.23	-5.02
Total Common Equity	217.7	218.25	214.04	210.08	206.11	196.69
Minority Interest	19.06	19.37	19.18	18.82	18.46	19.16
Shareholders' Equity	236.76	237.62	233.23	228.9	224.57	215.85
Total Liabilities & Equity	2,433	2,537	2,414	2,301	2,200	2,132
Total Debt	32.99	235.72	288.87	221.73	123.09	107.38
Net Cash (Debt)	599.16	458	293.72	256.59	343.63	270.94
Net Cash Growth	-	55.93%	14.47%	-25.33%	26.83%	15.46%
Net Cash Per Share	3.99	3.05	1.96	1.71	2.29	1.81
Filing Date Shares Outstanding	150	150	150	150	150	150
Total Common Shares Outstanding	150	150	150	150	150	150
Book Value Per Share	1.45	1.45	1.43	1.40	1.37	1.31
Tangible Book Value	206.68	205.19	212.57	208.34	204.32	195.08
Tangible Book Value Per Share	1.38	1.37	1.42	1.39	1.36	1.30

Source: S&P Capital IQ. Banks template. Financial Sources.