Financial Highlights
| FH Financial Highlights (Consolidated) | 2013* | 2014* | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
| EARNINGS | ||||||||
| Net Interest Income ** | 128,399 | 145,590 | 198442 | 245372 | 196638 | 160662 | 153999 | 150618 |
| Non-Interest Income | 138,021 | 130,839 | 125644 | 115626 | 99429 | 139131 | 143910 | 124567 |
| Total Operating Income | 266,420 | 276,429 | 324086 | 360998 | 296067 | 299793 | 297909 | 275185 |
| Profit for the year | 83,706 | 73,324 | 61697 | 38099 | 32614 | 17840 | 22445 | 20900 |
| Dividend | 75,625 | – | 30945 | 18170 | 15141 | 8873 | 8359 | |
| Financial Position | ||||||||
| Total Assets | 4,089,656 | 4,845,830 | 5041851 | 4412343 | 4564839 | 4094384 | 3923933 | 3407824 |
| Due from Banks | 1,093,081 | 931,457 | 1278043 | 777395 | 701032 | 512179 | 499808 | 495511 |
| Investments | 889,776 | 1,542,486 | 1253228 | 1191550 | 1108143 | 996376 | 628198 | 402095 |
| Loans & Advances (net) | 1,503,802 | 2,078,689 | 2303723 | 2233545 | 2509171 | 2300504 | 2452030 | 2168353 |
| Customer Deposits | 2,307,020 | 2,940,611 | 2557580 | 2119628 | 2153402 | 2746891 | 2470807 | 1923959 |
| Due to Banks / Borrowings | 207,528 | 254,379 | 550807 | 327175 | 411075 | 198349 | 113462 | 79577 |
| Shareholders’ equity | 688,046 | 682,378 | 954185 | 953752 | 903199 | 768173 | 794484 | 769736 |
| Ratios | ||||||||
| Earnings | ||||||||
| Return on equity (%) | 12.2 | 10.7 | 6.5 | 4 | 3.6 | 2.3 | 2.8 | 2.7 |
| Return on average assets (%) | 2.0 | 1.6 | 1.2 | 0.8 | 0.7 | 0.4 | 0.6 | 0.6 |
| Earnings per share – Basic (AED) | 0.28 | 0.22 | 0.2 | 0.05 | 0.03 | 0.04 | 0.02 | 0.04 |
| Cost | ||||||||
| Cost to Income (%) | 54.0 | 62.5 | 57.6 | 55.7 | 71.3 | 94 | 92.5 | 0.924 |
| Capital | ||||||||
| Debt to Equity (times) | 0.19 | 0.19 | 0.1 | 0.04 | 0.06 | 0.24 | 0.3 | 0.1 |
| Total Liabilities to Shareholders’ Equity (times) | 4.90 | 6.06 | 4.25 | 3.59 | 4.05 | 4.82 | 4.44 | 3.43 |
| Capital Adequacy Ratio (%) | 24.6 | 20.6 | 23.3 | 24.6 | 22.4 | 0.203 | 0.233 | 0.2918 |
Dividend are we suppose to add it wasn’t added last year.
Customer deposit number, total debt number
| 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 | 275,464 |
| Total Debt | 129,000 | 126,300 | 100,000 | 37,500 | 50,000 | 183,335 | 240,003 | 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 | 3,524,768 |
Dividend are we suppose to add it wasn’t added last year.
Customer deposit number, total debt number
