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CONSOLIDATED FINANCIAL HIGHLIGHTS

FH Financial Highlights (Consolidated) 2016 2017 2018 2019 2020
EARNINGS
Net Interest Income ** 4,147 3,968 21,006 37,755 39,830
Non-Interest Income 1,092 5,656 11,746 21,862 22,225
Total Operating Income 5,240 9,625 32,752 59,618 62,055
Profit for the year -1,987 3,046 14,423 25,126 16,762
Financial Position
Total Assets 92,833 170,661 387,566 430,430 413,992
Due from Banks 1,962 12,569 5,366 12,116 38,028
Loans & Advances (net) 53,198 120,006 311,779 338,394 351,359
Customer Deposits 37,126 37,213 58,409 77,975 20,902
Shareholders’ equity 76,564 79,700 94,124 119,249 166,011
Ratios:
Earnings
Return on equity (%) -3% 4% 15% 21% 10%
Return on average assets (%) -2% 2% 4% 4% 3%
Earnings per share – Basic (AED) -2% 2% 11% 20% 11%
Cost
Cost to Income (%) 10% 76% 56% 58% 64%
Capital
Total Liabilities to Shareholders’ Equity (times) 21% 114% 312% 261% 149%
Capital Adequacy Ratio (%) 312% 76% 32% 24% 26%
Data for ratios
Amount in AED’ 000, unless otherwise specified
Total operating expenses 534.57 7,267.23 18,330.35 34,494.24 39,503.53
Total Liabilities 16,178.63 90,960.86 293,442.84 311,180.64 247,980.88