Financial Highlights

FH Financial Highlights (Consolidated) 2013* 2014* 2015 2016 2017 2018 2019
EARNINGS
Net Interest Income **                 128,399                 145,590                 198,442                  245,372                 196,638                 160,662                 153,999
Non-Interest Income                 138,021                 130,839                 125,644                  115,626                    99,429                 139,131                 143,910
Total Operating Income                 266,420                 276,429                 324,086                  360,998                 296,067                 299,793                 297,909
Profit for the year                    83,706                    73,324                    61,697                     38,099                    32,614                    17,840                    22,445
Dividend                    75,625                                   –                    30,945                     18,170                    15,141                       8,873
Financial Position
Total Assets             4,089,656             4,845,830             5,041,851              4,412,343             4,564,839             4,094,384             3,923,933
Due from Banks             1,093,081                 931,457             1,278,043                  777,395                 701,032                 512,179                 499,808
Investments                 889,776             1,542,486             1,253,228              1,191,550             1,108,143                 996,376                 628,198
Loans & Advances (net)             1,503,802             2,078,689             2,303,723              2,233,545             2,509,171             2,300,504             2,452,030
Customer Deposits             2,307,020             2,940,611             2,557,580              2,119,628             2,153,402             2,746,891             2,470,807
Due to Banks / Borrowings                 207,528                 254,379                 550,807                  327,175                 411,075                 198,349                 113,462
Shareholders’ equity                 688,046                 682,378                 954,185                  953,752                 903,199                 768,173                 794,484
Ratios
Earnings
Return on equity (%)                          12.2                          10.7                             6.5                              4.0                             3.6                             2.3                             2.8
Return on average assets (%)                             2.0                             1.6                             1.2                              0.8                             0.7                             0.4                             0.6
Earnings per share – Basic (AED)                          0.28                          0.22                          0.20                           0.05                          0.03                          0.04                          0.02
Cost
Cost to Income (%)                          54.0                          62.5                          57.6                           55.7                          71.3                          94.0                          92.5
Capital
Debt to Equity (times)                          0.19                          0.19                          0.10                           0.04                          0.06                          0.24                          0.30
Total Liabilities to Shareholders’ Equity (times)                          4.90                          6.06                          4.25                           3.59                          4.05                          4.82                          4.44
Capital Adequacy Ratio (%)                          24.6                          20.6                          23.3                           24.6                          22.4 20.3% 23.3%

2015 Covers 17 months (inception to 31 December 2005)
* Restated
** Includes income from Islamic financing and investing assets



 Data for ratios 
 Amount in AED’ 000, unless otherwise specified 
 Total operating expenses             143,832             172,902             186,668              201,129             210,994             281,953             275,464
 Total Debt             129,000             126,300             100,000                37,500               50,000             183,335             240,003
 Total Liabilities           3,371,708           4,133,550           4,057,764           3,428,689           3,661,640           3,703,496           3,524,768

Dividend are we suppose to add it wasn’t added last year.

Customer deposit number, total debt number