Investor Presentaiton
Income Statement, Capital Bank Consolidated
All values in USD thousands
2015
2016
2017
2018
2019
CAGR
June 2019
June 2020 Growth
Interest Income/ Lending
141,487
135,170
134,527
147,807
161,814
3.4%
76,108
Commission Income/ Transaction
24,721
36,004
47,687
34,188
37,877
11.3%
20,199
Markets & Investment Banking
3,754
17,426
14,506
8,119
19,352
50.7%
6,371
Total Revenues
169,961
188,601
196,719
190,114
219,042
6.5%
102,677
86,380
17,468 -13.5%
9,159
113,008
13.5%
43.8%
10.1%
Cost of Fund
(63,382)
(55,762)
(66,050)
(76,805)
(86,939)
8.2%
Gross Operating Income
106,580
132,839
130,669
113,309
132,103
5.5%
(40,627)
62,050
(43,883) 8.0%
69,125
11.4%
Operating Expenses, Staff
(25,563)
(29,599)
(33,036)
(32,466)
(33,135)
6.7%
(14,988)
Operating Expenses, Other
(36,110)
(33,969)
(31,362)
(31,960)
(36,574)
0.3%
(14,661)
(14,897)
(15,340) 4.6%
-0.6%
Net Operating Income
44,906
69,272
66,271
48,883
62,394
8.6%
32,401
38,889
20.0%
Provisions & Non-Recurring
(29,310)
(31,063)
(22,008)
3,866
(10,026)
(2,698)
(14,060)
Income Tax
(14,089)
(15,451)
(5,742)
(9,945)
(11,724)
(6,394)
(5,045)
Net Income
1,508
22,759
38,521
42,804
40,644
127.9%
23,309
19,784 -15.1%
Net Interest Margin
3.9%
3.8%
3.4%
3.6%
3.6%
3.3%
3.5%
Efficiency Ratio (Ex. Dep.)
52.8%
43.1%
44.3%
50.6%
46.3%
42.1%
37.9%
ROE
EPS
Dividend Ratio/Payout Ratio
Market Capitalization
0.32%
4.90%
8.00%
8.84%
8.42%
9.86%
9.38%
0.035
0.087
0% / NA
282,087
5% / 81%
234,133
0.172
10% / 82%
222,849
0.217
0.178
0.104
0.080
**
10% / 65%
259,520
10%/80%
NA
NA
282,087
273,625
234,133
21
*ROE figure covering YTD June 2020 performance excludes COVID-19 related provisions for the period.
** Dividends for 2019 announced, however postponed due to Central Bank of Jordan's instructions to all Banks following the onset of COVID-19.View entire presentation