Capital Bank of Jordan

CAPL

JO1101711017

Banks

End-of-day quote Amman S.E. Other stock markets 06:00:00 2024-04-17 pm EDT			5-day change	1st Jan Change
1.98 ^JOD	-0.50%		0.00%	-2.94%

Feb. 19	Capital Bank of Jordan Reports Earnings Results for the Full Year Ended December 31, 2023	CI
2023	Capital Bank of Jordan Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2023	CI

Capital Bank of Jordan : INVESTOR PRESENTATION 2021 - Q4

March 23, 2022 at 10:56 am EDT

Capital Bank Group

Corporate Presentation

As of December 2021

AGENDA

GROUP CORPORATE PROFILE & FINANCIAL HIGHLIGHTS

CORPORATE GOVERNANCE & RISK MANAGEMENT HIGHLIGHTS

MACROECONOMIC DEVELOPMENTS & BANKING SECTOR HIGHLIGHTS (JORDAN & IRAQ)

Section 1

Group Corporate Profile

& Financial Highlights

OUR PURPOSE

OUR STRATEGIC PRIORITIES

Better Banking for

Jordan & Iraq

Capital Bank Group aims to provide innovative, simplified, and holistic financial solutions

Digital Convenience

To build our digital capabilities and introduce digital banking (NeoBank) which will put Capital Bank Group on the path of complete digital transformation to become a fully digitalized bank.

Service Quality

To transform the Group's products and services offerings, through continuous innovation, into a holistic value proposition that meets the banking and investment needs of our clients and revolves around elevating their customer experience.

through enhanced products & an elevated level of customer service and experience in the Jordanian and Iraqi markets.

Geographical Expansion

To expand the regional footprint of the Group through establishing a full fledge presence in Saudi Arabia and in UAE - DIFC, thereby connecting the Group with two of the largest economies in the region and empowering NBI to become a major player in the Iraqi market.

Organic Growth

To grow organically through executing and delivering on a well-defined plan that will enable the group to position itself as one of the top consumer banking groups and the number one gateway for institutions conducting business in Jordan and Iraq.

OUR VALUES

INNOVATION

CUSTOMER

HOLISTIC

in all we do	driven	financial solutions	04

CAPITAL BANK AT A GLACE (2021)

USD 553m

Equity

USD 2.98b

Net Loans

NOI Growth

0.323 EPS

(excluding One-Offs)

14.9%

CAR

USD 6.08b

Assets

92.7%

Coverage

Ratio

13.8% ROE

(excluding One-

Offs)

0.15 USD Dividend

136.2%

LCR

4th largest Jordanian bank in terms of consolidated asset size
Highest balance sheet growth (YoY) among peers
49.3% growth in loans over the past year
Above average coverage levels
Fastest growing bank since the beginning of 2020
One of the highest ROE levels among peers
ROE amounted to 16.3% including One-Offs
Stable dividend yield, return to shareholders
Owns 4.1% of total market deposits
EPS amounted 0.556 including One-Offs
Solid capital base and strong solvency

Figures as of December 2021. NOI refers to year-on-year Net Operating Income growth.	05
JOD to USD rate 0.709

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Disclaimer

Capital Bank of Jordan PSC published this content on 21 March 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 23 March 2022 14:56:04 UTC.

Latest news about Capital Bank of Jordan

Capital Bank of Jordan Reports Earnings Results for the Full Year Ended December 31, 2023	Feb. 19	CI
Capital Bank of Jordan Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2023	23-10-31	CI
Capital Bank of Jordan Reports Earnings Results for the Second Quarter and Six Months Ended June 30, 2023	23-08-01	CI
Capital Bank of Jordan Reports Earnings Results for the First Quarter Ended March 31, 2023	23-04-30	CI
Capital Bank of Jordan Reports Earnings Results for the Full Year Ended December 31, 2022	23-02-06	CI
Capital Bank of Jordan Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2022	22-11-02	CI
Capital Bank of Jordan Reports Earnings Results for the Second Quarter and Six Months Ended June 30, 2022	22-08-29	CI
The Public Investment Fund of The Kingdom of Saudi Arabia signed an agreement to acquire a 23.97% stake in Capital Bank of Jordan.	22-06-05	CI
Capital Bank of Jordan Reports Earnings Results for the First Quarter Ended March 31, 2022	22-05-29	CI
Capital Bank of Jordan completed the acquisition of Société Générale de Banque - Jordanie from Société Générale de Banque au Liban SAL.	22-03-30	CI
Jordan's Capital Bank acquires Societe Generale Bank Jordan	22-02-17	RE
Capital Bank of Jordan Reports Earnings Results for the Full Year Ended December 31, 2021	22-02-10	CI
Capital Bank of Jordan agreed to acquire Société Générale de Banque - Jordanie from Société Générale de Banque au Liban SAL and others.	21-12-26	CI
Jordan's Capital Bank Plans to Acquire Societe Generale Bank Jordan	21-12-26	CI
Capital Bank of Jordan Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2021	21-10-31	CI
Capital Bank of Jordan Reports Earnings Results for the Second Quarter Ended June 30, 2021	21-07-28	CI
Capital Bank of Jordan Reports Earnings Results for the First Quarter Ended March 31, 2021	21-06-18	CI
Capital Bank of Jordan Reports Earnings Results for the Full Year Ended December 31, 2020	21-03-31	CI
Capital Bank of Jordan completed the acquisition of Iraq and Jordan Units from Bank Audi sal.	21-03-10	CI
Capital Bank of Jordan Reports Earnings Results for the Third Quarter Ended September 30, 2020	20-10-27	CI
Bank Audi sal : Jordan's Capital Bank begins due diligence to buy Lebanon's Audi's units in Jordan, Iraq	20-09-13	RE
Capital Bank of Jordan agreed to acquire the Iraq and Jordan Units from Bank Audi sal.	20-09-12	CI
Capital Bank of Jordan Reports Earnings Results for the Second Quarter Ended June 30, 2020	20-08-03	CI
Capital Bank of Jordan Reports Earnings Results for the First Quarter Ended March 31, 2020	20-06-21	CI
Capital Bank of Jordan Reports Earnings Results for the Third Quarter Ended September 30, 2019	19-10-29	CI

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Company Profile

Capital Bank of Jordan PSC is a Jordan-based public shareholding company engaged in the provision of banking services and products. The Bank is organized into four business segments: the Personal banking segment includes individual customersâ deposits, credit facilities, credit cards and other services; the Corporate banking segment includes deposits, credit facilities and other specialized banking services to corporate customers; the Corporate finance segment provides specialized structured funding arrangements and issuance of Initial public offerings (IPO), and the Treasury segment provides trading and treasury services, as well as the Bankâs money management. The Bank operates through its head office and a network of 17 branches located across Jordan. The Bankâs subsidiaries include Al Mal Jordan Investment and Brokerage, National Bank of Iraq and Bahrain Investment Fund.

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Analysts' Consensus

Sell

Buy

Mean consensus

BUY

Number of Analysts

Last Close Price

1.98 JOD

Average target price

4 JOD

Spread / Average Target

+102.02%

Consensus

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