| FH Financial Highlights (Consolidated) |
2013* |
2014* |
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
| EARNINGS |
|
|
|
|
|
|
|
|
|
|
|
| Net Interest Income ** |
128,399 |
145,590 |
198,442 |
245,372 |
196,638 |
160,662 |
153,999 |
153,464.00 |
137,196.00 |
138,248.00 |
137,798.00 |
| Non-Interest Income* |
138,021 |
130,839 |
125,644 |
115,626 |
99,429 |
139,131 |
143910 |
122,028.00 |
109,296.00 |
29,131.00 |
40,548.00 |
| Total Operating Income* |
266,420 |
276,429 |
324,086 |
360,998 |
296,067 |
299,793 |
297909 |
275,492.00 |
246,492.00 |
167,379.00 |
178,346.00 |
| Profit for the year |
83,706 |
73,324 |
61,697 |
38,099 |
32,614 |
17,840 |
22,445 |
20,900.00 |
22,758.00 |
– 11,326.00 |
14,809.00 |
| 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 |
3,407,824.00 |
3,502,158.00 |
3,441,785.00 |
2,765,522.00 |
| Due from Banks * |
1,093,081 |
931,457 |
1,278,043 |
777,395 |
701,032 |
512,179 |
499,808 |
501,511.00 |
593,791.00 |
758,080.00 |
288,416.00 |
| Investments * |
889,776 |
1,542,486 |
1,253,228 |
1,191,550 |
1,108,143 |
996,376 |
628,198 |
345,387.00 |
409,396.00 |
355,060.00 |
285,502.00 |
| Loans & Advances (net) *** |
1,503,802 |
2,078,689 |
2,303,723 |
2,233,545 |
2,509,171 |
2,300,504 |
2,452,030 |
2,228,734.00 |
2,112,570.00 |
2,023,784.00 |
1,889,810.00 |
| Customer Deposits |
2,307,020 |
2,940,611 |
2,557,580 |
2,119,628 |
2,153,402 |
2,746,891 |
2,470,807 |
1,923,959.00 |
1,716,385.00 |
2,060,674.00 |
1,562,689.00 |
| Due to Banks / Borrowings |
207,528 |
254,379 |
550,807 |
327,175 |
411,075 |
198,349 |
113,462 |
377,737.00 |
568,630.00 |
436,726.00 |
281,128.00 |
| Shareholders’ equity |
688,046 |
682,378 |
954,185 |
953,752 |
903,199 |
768,173 |
794,484 |
769,736.00 |
801,666.00 |
670,020.00 |
661,926.00 |
| Ratios |
|
|
|
|
|
|
|
|
|
|
|
| Earnings |
|
|
|
|
|
|
|
|
|
|
|
| Return on equity (%) |
12.2 |
10.7 |
6.5 |
4.0 |
3.6 |
2.3 |
2.8 |
2.72 |
2.84 |
– 1.69 |
2.24 |
| Return on average assets (%) |
2.0 |
1.6 |
1.2 |
0.8 |
0.7 |
0.4 |
0.6 |
0.57 |
0.66 |
– 0.33 |
0.48 |
| Non-Interest Income (%) |
|
|
|
|
|
|
0.48 |
0.44 |
0.44 |
0.17 |
0.23 |
| Earnings per share – Basic (AED) |
0.28 |
0.22 |
0.20 |
0.05 |
0.03 |
0.04 |
0.02 |
(0.02) |
(0.01) |
– 0.06 |
0.06 |
| Cost |
|
|
|
|
|
|
|
|
|
|
|
| Cost to Income (%) * |
54.0 |
62.5 |
57.6 |
55.7 |
71.3 |
94.0 |
92.5 |
65.41 |
68.05 |
81.34 |
79.01 |
| Capital |
|
|
|
|
|
|
|
|
|
|
|
| Debt to Equity (times) * |
0.19 |
0.19 |
0.10 |
0.04 |
0.06 |
0.24 |
0.30 |
0.0000 |
0.2079 |
0.09 |
0.04 |
| Total Liabilities to Shareholders’ Equity (times) |
4.90 |
6.06 |
4.25 |
3.59 |
4.05 |
4.82 |
4.44 |
3.43 |
3.37 |
4.14 |
3.18 |
| Capital Adequacy Ratio (%)* |
24.6 |
20.6 |
23.3 |
24.6 |
22.4 |
20.30% |
23.30% |
26.55 |
26.91 |
26.21 |
28.26 |
| 2015 Covers 17 months (inception to 31 December 2005) |
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| * Restated |
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| ** Includes income from Islamic financing and investing assets |
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| *** Includes Islamic financing and investing assets |
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| Data for ratios |
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| Amount in AED’ 000, unless otherwise specified |
|
|
|
|
|
|
|
|
|
|
|
| Total operating expenses * |
143,832 |
172,902 |
186,668 |
201,129 |
210,994 |
281,953 |
275,464 |
180,187.00 |
167,736.00 |
136,149.00 |
140,906.00 |
| Total Debt * |
129,000 |
126,300 |
100,000 |
37,500 |
50,000 |
183,335 |
240,003 |
0.00 |
166,667.00 |
58,333.00 |
25,000.00 |
| Total Liabilities * |
3,371,708 |
4,133,550 |
4,057,764 |
3,428,689 |
3,661,640 |
3,703,496 |
3,524,768 |
2,638,088.00 |
2,700,492.00 |
2,771,765.00 |
2,103,596.00 |
| Dividend are we suppose to add it wasn’t added last year. |
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| Customer deposit number, total debt number |
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