Financial Highlights
| FH Financial Highlights (Consolidated) | 2013* | 2014* | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2,020.00 | 2021 | 2022 |
| EARNINGS | |||||||||||
| Net Interest Income ** | 128,399 | 145,590 | 198,442 | 245,372 | 196,638 | 160,662 | 153,999 | 150618 | 153,464.00 | 137,196 | 138,248 |
| Non-Interest Income* | 138,021 | 130,839 | 125,644 | 115,626 | 99,429 | 139,131 | 143,910 | 124567 | 122,028.00 | 109,296 | 90,079 |
| Total Operating Income* | 266,420 | 276,429 | 324,086 | 360,998 | 296,067 | 299,793 | 297,909 | 275185 | 275,492.00 | 246,492 | 228,327 |
| Profit for the year | 83,706 | 73,324 | 61,697 | 38,099 | 32,614 | 17,840 | 22,445 | 20900 | 20,900.00 | 22,758 | 20,785 |
| Dividend | 75,625 | – | 30,945 | 18,170 | 15,141 | 8,873 | 8359 | 5,749.00 | – | – | |
| 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 | 3407824 | 3,407,824.00 | 3,502,158 | 3,613,009 |
| Due from Banks * | 1,093,081 | 931,457 | 1,278,043 | 777,395 | 701,032 | 512,179 | 499,808 | 495511 | 501,511.00 | 593,791 | 758,080 |
| Investments * | 889,776 | 1,542,486 | 1,253,228 | 1,191,550 | 1,108,143 | 996,376 | 628,198 | 402095 | 345,387.00 | 409,396 | 355,061 |
| Loans & Advances (net) *** | 1,503,802 | 2,078,689 | 2,303,723 | 2,233,545 | 2,509,171 | 2,300,504 | 2,452,030 | 2168353 | 2,228,734.00 | 2,112,570 | 2,023,784 |
| Customer Deposits | 2,307,020 | 2,940,611 | 2,557,580 | 2,119,628 | 2,153,402 | 2,746,891 | 2,470,807 | 1923959 | 1,923,959.00 | 1,716,385 | 2,060,674 |
| Due to Banks / Borrowings | 207,528 | 254,379 | 550,807 | 327,175 | 411,075 | 198,349 | 113,462 | 79577 | 377,737.00 | 568,630 | 436,726 |
| Shareholders’ equity | 688,046 | 682,378 | 954,185 | 953,752 | 903,199 | 768,173 | 794,484 | 769736 | 769,736.00 | 801,666 | 755,187 |
| Ratios | |||||||||||
| Earnings | |||||||||||
| Return on equity (%) | 12.2 | 10.7 | 6.5 | 4.0 | 3.6 | 2.3 | 2.8 | 2.7 | 2.72 | 2.84 | 2.75 |
| Return on average assets (%) | 2.0 | 1.6 | 1.2 | 0.8 | 0.7 | 0.4 | 0.6 | 0.6 | 0.57 | 0.66 | 0.58 |
| Earnings per share – Basic (AED) | 0.28 | 0.22 | 0.20 | 0.05 | 0.03 | 0.04 | 0.02 | 0.04 | (0.02) | (0.01) | (0.01) |
| Cost | |||||||||||
| Cost to Income (%) * | 54.0 | 62.5 | 57.6 | 55.7 | 71.3 | 94.0 | 92.5 | 0.924 | 65.41 | 68.05 | 72.26 |
| Capital | |||||||||||
| Debt to Equity (times) * | 0.19 | 0.19 | 0.10 | 0.04 | 0.06 | 0.24 | 0.30 | 0.1 | 0.0000 | 0.21 | 0.08 |
| Total Liabilities to Shareholders’ Equity (times) | 4.90 | 6.06 | 4.25 | 3.59 | 4.05 | 4.82 | 4.44 | 3.42726337 | 3.43 | 3.37 | 3.78 |
| Capital Adequacy Ratio (%)* | 24.6 | 20.6 | 23.3 | 24.6 | 22.4 | 20.30% | 23.30% | 29.18% | 26.55 | 26.91 | 26.21 |
| 2015 Covers 17 months (inception to 31 December 2005) | |||||||||||
| * Restated | |||||||||||
| ** Includes income from Islamic financing and investing assets | |||||||||||
| *** Includes 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 | 275,464 | 180,187.00 | 167,736.00 | 164,986.00 |
| Total Debt * | 129,000 | 126,300 | 100,000 | 37,500 | 50,000 | 183,335 | 240,003 | 240,003 | 0.00 | 166,667.00 | 58,333.00 |
| 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 | 2,638,088.00 | 2,700,492.00 | 2,857,822.00 |
Dividend are we suppose to add it wasn’t added last year.
Customer deposit number, total debt number
