Invest Bank of Jordan Arab Jordanian

Investment Bank
Ratios Analysis Average Average
2015 2014 2014-2015 2015 2014 2014-
2015

*Profitability Ratios*
RoA Ratio 1.37% 1.56% 0 1.3% 1.4% 1.35%

RoE Ratio 9.51% 8.65% 0 10.5% 11.1% 10.8%

Net Interest Margin 6.37% 5.32% 0 7.06% 6.54% 6.8%

*Liquidity Ratios*
Current Ratio 96.76% 108.58% 102.67% 101.89% 101.56% 101.725%

Cash Ratio 17.55% 12.33% 0 9.61% 14% 11.805%

*Leverage Ratios*
Debt Ratio 81.71% 81.83% 0 87.64% 87.51% 87.575%

Equity Ratio 18.29% 18.17% 0 12.36% 12.49% 12.425%

CAR 18.21% 16.18% 0 15.94% 15.46% 15.7%

*Assets Quality Ratios*

MPL Ratio 53.78% 56.71% 0 41.1% 39.9% 40.5%

Concentration Ratio 35.38% 30.88% 33.13% 31.25% 25.54% 28.395%

1. Major con.

2. Largest two 57.5% 52.57% 55.035% 55.03% 48.99% 52.01%

 3. Largest three 72.99% 71.84% 72.415% 70.83% 68.69% 69.76%

NPL Ratio 5.18% 7.96% 0 1.9% 2.8% 2.35%

Provision Ratio 81.8% 80.28% 0 67.92% 64.55% 66.235%

Ratios Average(2014- Weights Invest Average(2014- AJIB’s Invest AJIB’s

2015) Ratios Bank’s 2015) Ratios Score bank’s Cumulative
for Invest Score for AJIB Cumula Score
Bank tive
score
RoA Ratio 0 12% 75% 1.35% 68% 9% 8.16%
RoE Ratio 0 5% 60% 10.8% 70% 3% 3.5%

Net Interest Margin 0 4.5% 70% 6.8% 80% 3.15% 3.6%

Current Ratio 102.67% 5% 30% 101.725% 40% 1.5% 2%

Cash Ratio 0 8% 15% 11.805% 10% 1.2% 0.8%

Debt Ratio 0 3% 80% 87.575% 70% 2.4% 2.1%

Equity Ratio 0 3.5% 85% 12.425% 75% 2.975% 2.625%

CAR 0 12% 90% 15.7% 80% 10.8% 9.6%

MPL Ratio 0 4% 65% 40.5% 55% 2.6% 2.2%

Concentration Ratio 33.13% 10% 50% 28.395% 70% 5% 7%
1. Major con.

2. Largest two 55.035% 40% 52.01% 50% 4% 5%

3. Largest three 72.415% 50% 69.76% 60% 5% 6%

NPL Ratio 0 20% 70% 2.35% 85% 14% 17%

Provision Ratio 0 13% 80% 66.235% 65% 10.4% 8.45%

Total 75.025% 78.035%