Financial Performance Highlights
Income Statement, Capital Bank Consolidated
2015
2016
2017
2018
2019
2020 CAGR (2015-20)
All values in USD thousands
Q1 2020 Q1 2021 Growth
Interest Income/ Lending
Commission Income/ Transaction
141,487
135,170
134,527
147,807
161,814
183,760
5.4%
41,670
50,131
20%
24,721
36,004
47,687
34,188
37,877
38,945
9.5%
8,131
9,325
15%
Markets & Investment Banking
3,754
17,426
14,506
8,119
19,352
24,227
45.2%
3,287
1,533
-53%
Total Revenues
169,961
188,601
196,719
190,114
219,042
246,932
7.8%
53,089
60,989
15%
Cost of Fund
(63,382) (55,762)
Interest In Suspense
(42,619) (49,197)
Gross Operating Income
106,580
132,839
130,669
(66,050) (76,805) (86,939) (90,852)
(20,769) (23,625) (25,297) (33,058)
113,309 132,103 156,080
7.5%
(22,670) (23,821)
-5.0%
(47,606) (51,916)
-9%
7.9%
30,419
37,168
22%
Operating Expenses, Staff
(25,563)
(29,599)
(33,036)
Operating Expenses, Other
(36,110)
(33,969)
Net Operating Income
44,906
69,272
(31,362)
66,271
(32,466) (33,135) (30,336)
(31,960) (36,574)
48,883 62,394
3.5%
(8,406)
(8,940)
ཚོསྶོ ཚོ ;
(37,478)
88,266
0.7%
(6,841)
(7,331)
7%
14.5%
15,172
20,896
38%
Impact as a result of acquisition
32,660
Acquisition Expenses
(3,810)
Provisions & Non-Recurring
(29,310)
Income Tax
(14,089)
(31,063) (22,008)
(15,451)
(5,742)
Net Income
1,508
22,759
38,521
3,866
(9,945)
42,804
(10,026) (34,659)
(11,724) (10,868)
40,644 42,739
(4,367)
(4,691)
(2,225)
(3,015)
95.2%
8,580
42,040
390%
Net Interest Margin
3.8%
3.7%
3.2%
Efficiency Ratio (Ex. Dep.)
52.8%
43.1%
44.3%
3.2%
50.6%
3.2%
46.3%
3.3%
3.13%
3.22%
37.7%
43.51%
37.91%
ROE
0.32%
4.90%
8.00%
8.84%
8.42%
8.62%
EPS
0.035
0.087
Dividend Ratio/ Payout Ratio
6%/240%
Market Capitalization
P/E Ratio
282,087
40.0
5%/81%
234,133
13.4
0.172
10%/82%
0.217
0.178
0.042
7.02%
0.035
32.22%
0.207
*
10%/65%
10%/80% 12%/92%
222,849
6.5
259,520
6.0
282,087
7.97
265,162
31.3
262,341
372,355
37.2
9.0
*Dividends for 2019 announced, however postponed due to Central Bank of Jordan's instructions to all Banks following the onset of COVID-19.
Efficiency Ratio for Q1 2021 excludes impact of Audi acquisition.
**
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