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Establishing a Commercial Bank in Jordan Business Plan & Feasibility Study – Version 3: Forecasting Housing Loans Revenue
Tariq Al-Basha 5/9/16 Investment Opportunities in Jordan
Establishing a Commercial Bank in Jordan Tariq Al-Basha – 00962 7 9767 7418 – [email protected]
Page 1 of 22
Contents Executive Summary ......................................................................................................................... 3
Raising Capital ................................................................................................................................. 5
Budgeting & Forecast ...................................................................................................................... 6
Personal Loans Budget ................................................................................................................ 6
Car Loans Budget ......................................................................................................................... 7
Housing Loans Budget ................................................................................................................. 8
Personal Loans Cash Flow ........................................................................................................... 9
Car Loans Cash Flow .................................................................................................................. 10
Housing Loans Cash Flow .......................................................................................................... 11
Personal & Car Loans – Net Revenue ........................................................................................ 12
Appendix ........................................................................................................................................ 13
Example of Personal Loan ......................................................................................................... 13
Example of Car Loan .................................................................................................................. 15
Example of House Loan ............................................................................................................. 18
Establishing a Commercial Bank in Jordan Tariq Al-Basha – 00962 7 9767 7418 – [email protected]
Page 2 of 22
يطان من الذين يأكلون الربا ال ي قومون إال كما ي قوم الذي ي تخبطه الشا الب يع مثل الربا وأحل الله الب يع وحرم الربا المس ذلك بأن هم قالوا إن
ن ربه فانت هى ف له ما سلف وأمره إل الله ومن عاد فمن جاءه موعظة م فأولئك أصحاب النار هم فيها خالدو ن
صدق هللا العظيم
275آية –سورة البقرة
Establishing a Commercial Bank in Jordan Tariq Al-Basha – 00962 7 9767 7418 – [email protected]
Page 3 of 22
Executive Summary The aim of this feasibility study and business plan is to present an investment opportunity
in Jordan, where the investment opportunity is to establish a commercial bank in Jordan.
The bank aims to raise a capital of JOD 110 million from 22 different individuals,
corporation and/or government bodies in the Arab World.
In this version, the feasibility study and business plan will focus on developing first
1. A budget for personal loans lent to borrowers in which the bank shall allocate a
budget of JOD 5 million to be lent to 1,000 borrowers where the average loan
amount is JOD 5,000 at an interest rate of 19%; repaid in 5 years or 60 months.
2. A budget for car loans lent to borrowers in which the bank shall allocate a budget
of JOD 5 million to be lent to 500 borrowers where the average loan amount is
JOD 10,000 at an interest rate of 18%; repaid in 10 years or 120 months.
3. A budget for housing loans lent to borrowers in which the bank shall allocate a
budget of JOD 5 million to be lent to 100 borrowers where the average loan amount
is JOD 50,000 at an interest rate of 17%; repaid in 12 years or 144 months.
The bank shall re-lend the principal amount repaid by its borrowers to new borrowers in
which the total number of borrowers shall be
1. Around 3,427 borrows for personal loan borrowers in Year 10. As mentioned
earlier, the bank will start with a JOD 5-million budget. However, the total amount
lent to borrowers shall be JOD 17.2 million in Year 10.
2. Around 987 borrows for car loan borrowers in Year 10. As mentioned earlier, the
bank will start with a JOD 5-million budget. However, the total amount lent to
borrowers shall be JOD 9.9 million in Year 10.
Establishing a Commercial Bank in Jordan Tariq Al-Basha – 00962 7 9767 7418 – [email protected]
Page 4 of 22
3. Around 163 borrows for housing loan borrowers in Year 10. As mentioned earlier,
the bank will start with a JOD 5-million budget. However, the total amount lent to
borrowers shall be JOD 8.1 million in Year 10.
In addition, the bank will also generate a total revenue of interest of
1. JOD 7.7 million over the course of 10 years from personal loans, where the return
of investment and internal rate of return is expected to be 25% and 10%
respectively in Year 10.
2. JOD 7.9 million over the course of 10 years from car loans, where the return of
investment and internal rate of return is expected to be 42% and 0.26%
respectively in Year 10.
3. JOD 7.6 million over the course of 10 years from housing loans, where the return
of investment and internal rate of return is expected to be 41.7% and -5.3%
respectively in Year 10.
Lastly, the bank is expected to generate a net revenue of JOD 18 million over the course
of 10 years after deducting the principal amount lent to borrowers and 4% interest for
depositors.
Establishing a Commercial Bank in Jordan Tariq Al-Basha – 00962 7 9767 7418 – [email protected]
Page 5 of 22
Raising Capital No. Shareholders Amount (JOD) Ownership % Nationality
1 Shareholders No. 1 5,000,000.00 4.55% Algeria
2 Shareholders No. 2 5,000,000.00 4.55% Bahrain
3 Shareholders No. 3 5,000,000.00 4.55% Comoros
4 Shareholders No. 4 5,000,000.00 4.55% Djibouti
5 Shareholders No. 5 5,000,000.00 4.55% Egypt
6 Shareholders No. 6 5,000,000.00 4.55% Iraq
7 Shareholders No. 7 5,000,000.00 4.55% Jordan
8 Shareholders No. 8 5,000,000.00 4.55% Kuwait
9 Shareholders No. 9 5,000,000.00 4.55% Lebanon
10 Shareholders No. 10 5,000,000.00 4.55% Libya
11 Shareholders No. 11 5,000,000.00 4.55% Mauritania
12 Shareholders No. 12 5,000,000.00 4.55% Morocco
13 Shareholders No. 13 5,000,000.00 4.55% Oman
14 Shareholders No. 14 5,000,000.00 4.55% Palestine
15 Shareholders No. 15 5,000,000.00 4.55% Qatar
16 Shareholders No. 16 5,000,000.00 4.55% Saudi Arabia
17 Shareholders No. 17 5,000,000.00 4.55% Somalia
18 Shareholders No. 18 5,000,000.00 4.55% Sudan
19 Shareholders No. 19 5,000,000.00 4.55% Syria
20 Shareholders No. 20 5,000,000.00 4.55% Tunisia
21 Shareholders No. 21 5,000,000.00 4.55% United Arab Emirates
22 Shareholders No. 22 5,000,000.00 4.55% Yemen
Total 110,000,000.00
Establishing a Commercial Bank in Jordan Tariq Al-Basha – 00962 7 9767 7418 – [email protected]
Page 6 of 22
Budgeting & Forecast Personal Loans Budget
Budgeting & Forecasting Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Total Average
Total Annual Budget (JOD) 5,000,000.00 685,250.83 909,362.23 1,206,769.30 1,601,443.40 2,125,195.73 1,184,990.52 1,348,430.47 1,492,027.81 1,585,321.65 17,138,791.94 1,713,879.19
Average Loan Lent 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00 5,000.00
Annual Target No. of Borrowers 1,000.00 137.05 181.87 241.35 320.29 425.04 237.00 269.69 298.41 317.06 3,427.76 342.78
Analysis
Principal Repayment Forecast Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Total Average %
Total Principal Repayment - Year 1 685,250.83 815,448.49 970,383.70 1,154,756.61 1,374,160.36 5,000,000.00 1,000,000.00 36.45%
Total Principal Repayment - Year 2 93,913.74 111,757.35 132,991.25 158,259.59 188,328.91 685,250.83 137,050.17 4.99%
Total Principal Repayment - Year 3 124,628.25 148,307.61 176,486.06 210,018.41 249,921.91 909,362.23 181,872.45 6.63%
Total Principal Repayment - Year 4 165,387.93 196,811.64 234,205.85 278,704.97 331,658.91 1,206,769.30 241,353.86 8.80%
Total Principal Repayment - Year 5 219,478.08 261,178.92 310,802.92 369,855.47 440,128.01 1,601,443.40 320,288.68 11.67%
Total Principal Repayment - Year 6 291,258.43 346,597.53 412,451.06 490,816.76 584,071.95 2,125,195.73 425,039.15 15.49%
Total Principal Repayment - Year 7 162,403.15 193,259.75 229,979.10 273,675.13 859,317.12 214,829.28 6.26%
Total Principal Repayment - Year 8 184,802.62 219,915.12 261,698.99 666,416.73 222,138.91 4.86%
Total Principal Repayment - Year 9 204,482.66 243,334.36 447,817.02 223,908.51 3.26%
Total Principal Repayment - Year 10 217,268.60 217,268.60 217,268.60 1.58%
Total 685,250.83 909,362.23 1,206,769.30 1,601,443.40 2,125,195.73 1,184,990.52 1,348,430.47 1,492,027.81 1,585,321.65 1,580,049.03 13,718,840.97 1,371,884.10 100.00%
Cumulative 685,250.83 1,594,613.06 2,801,382.37 4,402,825.77 6,528,021.50 7,713,012.02 9,061,442.49 10,553,470.29 12,138,791.94 13,718,840.97
Analysis
Interest Payment Forecast Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Total Average %
Total Interest Payment - Year 1 822,796.80 692,599.15 537,663.93 353,291.03 133,887.27 2,540,238.18 508,047.64 33.02%
Total Interest Payment - Year 2 112,764.44 94,920.83 73,686.93 48,418.59 18,349.27 348,140.07 69,628.01 4.52%
Total Interest Payment - Year 3 149,644.07 125,964.70 97,786.25 64,253.90 24,350.41 461,999.33 92,399.87 6.00%
Total Interest Payment - Year 4 198,585.18 167,161.48 129,767.27 85,268.15 32,314.21 613,096.29 122,619.26 7.97%
Total Interest Payment - Year 5 263,532.50 221,831.67 172,207.67 113,155.12 42,882.58 813,609.54 162,721.91 10.57%
Total Interest Payment - Year 6 349,720.85 294,381.75 228,528.22 150,162.52 56,907.33 1,079,700.67 215,940.13 14.03%
Total Interest Payment - Year 7 195,001.28 164,144.68 127,425.33 83,729.30 570,300.60 142,575.15 7.41%
Total Interest Payment - Year 8 221,896.86 186,784.36 145,000.49 553,681.70 184,560.57 7.20%
Total Interest Payment - Year 9 245,527.14 206,675.44 452,202.58 226,101.29 5.88%
Total Interest Payment - Year 10 260,879.52 260,879.52 260,879.52 3.39%
Total 822,796.80 805,363.58 782,228.83 751,527.85 710,786.10 783,922.96 771,209.26 760,039.09 752,781.93 753,192.08 7,693,848.48 769,384.85 100.00%
Cumulative 822,796.80 1,628,160.39 2,410,389.22 3,161,917.06 3,872,703.17 4,656,626.13 5,427,835.39 6,187,874.48 6,940,656.40 7,693,848.48
Establishing a Commercial Bank in Jordan Tariq Al-Basha – 00962 7 9767 7418 – [email protected]
Page 7 of 22
Car Loans Budget Budgeting & Forecasting Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Total Average %
Total Annual Budget (JOD) 5,000,000.00 212,573.21 259,873.86 317,699.60 388,392.41 474,815.40 580,468.78 709,631.59 867,535.01 1,060,574.25 9,871,564.09 987,156.41
Average Loan Lent 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00 10,000.00
Annual Target No. of Borrowers 500.00 21.26 25.99 31.77 38.84 47.48 58.05 70.96 86.75 106.06 987.16 98.72
Analysis
Principal Repayment Forecast Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Total Average %
Total Principal Repayment - Year 1 212,573.21 250,836.38 295,986.93 349,264.58 412,132.21 486,316.00 573,852.88 677,146.40 799,032.75 942,858.65 5,000,000.00 500,000.00 81.06%
Total Principal Repayment - Year 2 9,037.47 10,664.22 12,583.78 14,848.86 17,521.65 20,675.55 24,397.15 28,788.64 33,970.59 172,487.91 19,165.32 2.80%
Total Principal Repayment - Year 3 11,048.44 13,037.16 15,383.85 18,152.95 21,420.48 25,276.16 29,825.87 35,194.53 169,339.45 21,167.43 2.75%
Total Principal Repayment - Year 4 13,506.88 15,938.12 18,806.99 22,192.24 26,186.85 30,900.48 36,462.57 163,994.13 23,427.73 2.66%
Total Principal Repayment - Year 5 16,512.36 19,484.59 22,991.82 27,130.34 32,013.80 37,776.29 155,909.20 25,984.87 2.53%
Total Principal Repayment - Year 6 20,186.61 23,820.20 28,107.83 33,167.24 39,137.34 144,419.22 28,883.84 2.34%
Total Principal Repayment - Year 7 24,678.42 29,120.54 34,362.23 40,547.44 128,708.63 32,177.16 2.09%
Total Principal Repayment - Year 8 30,169.73 35,600.28 42,008.34 107,778.35 35,926.12 1.75%
Total Principal Repayment - Year 9 36,882.94 43,521.87 80,404.81 40,202.40 1.30%
Total Principal Repayment - Year 10 45,089.93 45,089.93 45,089.93 0.73%
Total 212,573.21 259,873.86 317,699.60 388,392.41 474,815.40 580,468.78 709,631.59 867,535.01 1,060,574.25 1,296,567.54 6,168,131.64 616,813.16 100.00%
Cumulative 212,573.21 472,447.06 790,146.66 1,178,539.07 1,653,354.47 2,233,823.26 2,943,454.84 3,810,989.85 4,871,564.09 6,168,131.64
Analysis
Interest Payment Forecast Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Total Average %
Total Interest Payment - Year 1 817,553.16 779,289.98 734,139.43 680,861.79 617,994.16 543,810.36 456,273.48 352,979.96 231,093.61 87,267.72 5,301,263.66 530,126.37 67.31%
Total Interest Payment - Year 2 34,757.98 33,131.23 31,211.67 28,946.59 26,273.80 23,119.90 19,398.30 15,006.82 9,824.86 221,671.17 24,630.13 2.81%
Total Interest Payment - Year 3 42,492.14 40,503.42 38,156.73 35,387.64 32,120.11 28,264.42 23,714.71 18,346.05 258,985.21 32,373.15 3.29%
Total Interest Payment - Year 4 51,947.26 49,516.02 46,647.16 43,261.90 39,267.30 34,553.67 28,991.58 294,184.89 42,026.41 3.74%
Total Interest Payment - Year 5 63,506.29 60,534.06 57,026.84 52,888.31 48,004.85 42,242.36 324,202.71 54,033.78 4.12%
Total Interest Payment - Year 6 77,637.37 74,003.78 69,716.14 64,656.73 58,686.63 344,700.65 68,940.13 4.38%
Total Interest Payment - Year 7 94,912.82 90,470.70 85,229.00 79,043.80 349,656.33 87,414.08 4.44%
Total Interest Payment - Year 8 116,032.31 110,601.76 104,193.71 330,827.77 110,275.92 4.20%
Total Interest Payment - Year 9 141,851.20 135,212.27 277,063.46 138,531.73 3.52%
Total Interest Payment - Year 10 173,415.17 173,415.17 173,415.17 2.20%
Total 817,553.16 814,047.96 809,762.81 804,524.14 798,119.79 790,290.39 780,718.83 769,017.45 754,712.34 737,224.15 7,875,971.01 787,597.10 100.00%
Cumulative 817,553.16 1,631,601.12 2,441,363.93 3,245,888.07 4,044,007.86 4,834,298.25 5,615,017.07 6,384,034.52 7,138,746.87 7,875,971.01
Establishing a Commercial Bank in Jordan Tariq Al-Basha – 00962 7 9767 7418 – [email protected]
Page 8 of 22
Housing Loans Budget
Budgeting & Forecasting Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Total Average %
Total Annual Budget (JOD) 5,000,000.00 152,327.91 182,864.41 219,522.43 263,529.13 316,357.65 379,776.47 455,908.58 547,302.55 657,017.88 8,174,607.00 817,460.70
Average Loan Lent 50,000.00 50,000.00 50,000.00 50,000.00 50,000.00 50,000.00 50,000.00 50,000.00 50,000.00 50,000.00 50,000.00
Annual Target No. of Borrowers 100.00 3.05 3.66 4.39 5.27 6.33 7.60 9.12 10.95 13.14 163.49 16.35
Analysis
Principal Repayment Forecast Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Total Average %
Total Principal Repayment - Year 1 152,327.91 178,223.65 208,521.68 243,970.36 285,445.32 333,971.03 390,746.10 457,172.94 534,892.34 625,824.03 3,411,095.36 341,109.54 86.07%
Total Principal Repayment - Year 2 4,640.76 5,429.69 6,352.73 7,432.70 8,696.26 10,174.62 11,904.31 13,928.04 16,295.81 84,854.91 9,428.32 2.14%
Total Principal Repayment - Year 3 5,571.07 6,518.15 7,626.24 8,922.70 10,439.56 12,214.28 14,290.71 16,720.13 82,302.85 10,287.86 2.08%
Total Principal Repayment - Year 4 6,687.88 7,824.82 9,155.04 10,711.39 12,532.33 14,662.83 17,155.51 78,729.79 11,247.11 1.99%
Total Principal Repayment - Year 5 8,028.57 9,393.42 10,990.31 12,858.66 15,044.63 17,602.22 73,917.81 12,319.63 1.87%
Total Principal Repayment - Year 6 9,638.02 11,276.48 13,193.49 15,436.38 18,060.56 67,604.93 13,520.99 1.71%
Total Principal Repayment - Year 7 11,570.11 13,537.03 15,838.32 18,530.84 59,476.31 14,869.08 1.50%
Total Principal Repayment - Year 8 13,889.52 16,250.74 19,013.36 49,153.62 16,384.54 1.24%
Total Principal Repayment - Year 9 16,673.89 19,508.45 36,182.34 18,091.17 0.91%
Total Principal Repayment - Year 10 20,016.43 20,016.43 20,016.43 0.51%
Total 152,327.91 182,864.41 219,522.43 263,529.13 316,357.65 379,776.47 455,908.58 547,302.55 657,017.88 788,727.35 3,963,334.35 396,333.43 100.00%
Cumulative 152,327.91 335,192.32 554,714.76 818,243.88 1,134,601.53 1,514,377.99 1,970,286.57 2,517,589.12 3,174,607.00 3,963,334.35
Analysis
Interest Payment Forecast Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Total Average %
Total Interest Payment - Year 1 779,455.77 753,560.03 723,262.00 687,813.32 646,338.36 597,812.65 541,037.58 474,610.74 396,891.34 305,959.65 5,906,741.44 590,674.14 77.49%
Total Interest Payment - Year 2 23,746.57 22,957.64 22,034.60 20,954.63 19,691.07 18,212.71 16,483.02 14,459.29 12,091.53 170,631.08 18,959.01 2.24%
Total Interest Payment - Year 3 28,506.94 27,559.86 26,451.78 25,155.32 23,638.46 21,863.73 19,787.30 17,357.88 190,321.27 23,790.16 2.50%
Total Interest Payment - Year 4 34,221.61 33,084.67 31,754.45 30,198.09 28,377.15 26,246.66 23,753.98 207,636.60 29,662.37 2.72%
Total Interest Payment - Year 5 41,081.86 39,717.00 38,120.12 36,251.77 34,065.80 31,508.21 220,744.76 36,790.79 2.90%
Total Interest Payment - Year 6 49,317.36 47,678.90 45,761.89 43,519.00 40,894.82 227,171.96 45,434.39 2.98%
Total Interest Payment - Year 7 59,203.79 57,236.87 54,935.58 52,243.06 223,619.30 55,904.83 2.93%
Total Interest Payment - Year 8 71,072.11 68,710.90 65,948.27 205,731.28 68,577.09 2.70%
Total Interest Payment - Year 9 85,319.63 82,485.07 167,804.69 83,902.35 2.20%
Total Interest Payment - Year 10 102,423.28 102,423.28 102,423.28 1.34%
Total 779,455.77 777,306.60 774,726.59 771,629.39 767,911.29 763,447.85 758,089.64 751,657.30 743,935.49 734,665.73 7,622,825.66 762,282.57 100.00%
Cumulative 779,455.77 1,556,762.37 2,331,488.96 3,103,118.35 3,871,029.64 4,634,477.49 5,392,567.14 6,144,224.44 6,888,159.93 7,622,825.66
E s t a b l i s h i n g a C o m m e r c i a l B a n k i n J o r d a n
T a r i q A l - B a s h a – 0 0 9 6 2 7 9 7 6 7 7 4 1 8 – t a r i q a l b a s h a @ o u t l o o k . c o m
P a g e 9 o f 2 2
P e r s o n a l L o a n s C a s h F l o w
N o . E n t r y Y e a r 1 Y e a r 2 Y e a r 3 Y e a r 4 Y e a r 5 Y e a r 6 Y e a r 7 Y e a r 8 Y e a r 9 Y e a r 1 0
1 L e n d i n g C a p i t a l
1 . 1 P e r s o n a l L o a n s 5 , 0 0 0 , 0 0 0 . 0 0 6 8 5 , 2 5 0 . 8 3 9 0 9 , 3 6 2 . 2 3 1 , 2 0 6 , 7 6 9 . 3 0 1 , 6 0 1 , 4 4 3 . 4 0 2 , 1 2 5 , 1 9 5 . 7 3 1 , 1 8 4 , 9 9 0 . 5 2 1 , 3 4 8 , 4 3 0 . 4 7 1 , 4 9 2 , 0 2 7 . 8 1 1 , 5 8 5 , 3 2 1 . 6 5
T o t a l 5 , 0 0 0 , 0 0 0 . 0 0 6 8 5 , 2 5 0 . 8 3 9 0 9 , 3 6 2 . 2 3 1 , 2 0 6 , 7 6 9 . 3 0 1 , 6 0 1 , 4 4 3 . 4 0 2 , 1 2 5 , 1 9 5 . 7 3 1 , 1 8 4 , 9 9 0 . 5 2 1 , 3 4 8 , 4 3 0 . 4 7 1 , 4 9 2 , 0 2 7 . 8 1 1 , 5 8 5 , 3 2 1 . 6 5
C u m u l a t i v e 5 , 0 0 0 , 0 0 0 . 0 0 5 , 6 8 5 , 2 5 0 . 8 3 6 , 5 9 4 , 6 1 3 . 0 6 7 , 8 0 1 , 3 8 2 . 3 7 9 , 4 0 2 , 8 2 5 . 7 7 1 1 , 5 2 8 , 0 2 1 . 5 0 1 2 , 7 1 3 , 0 1 2 . 0 2 1 4 , 0 6 1 , 4 4 2 . 4 9 1 5 , 5 5 3 , 4 7 0 . 2 9 1 7 , 1 3 8 , 7 9 1 . 9 4
2 L o a n R e p a y m e n t
2 . 1 P r i n c i p a l R e p a y m e n t 6 8 5 , 2 5 0 . 8 3 9 0 9 , 3 6 2 . 2 3 1 , 2 0 6 , 7 6 9 . 3 0 1 , 6 0 1 , 4 4 3 . 4 0 2 , 1 2 5 , 1 9 5 . 7 3 1 , 1 8 4 , 9 9 0 . 5 2 1 , 3 4 8 , 4 3 0 . 4 7 1 , 4 9 2 , 0 2 7 . 8 1 1 , 5 8 5 , 3 2 1 . 6 5 1 , 5 8 0 , 0 4 9 . 0 3
2 . 2 I n t e r e s t P a y m e n t s 8 2 2 , 7 9 6 . 8 0 8 0 5 , 3 6 3 . 5 8 7 8 2 , 2 2 8 . 8 3 7 5 1 , 5 2 7 . 8 5 7 1 0 , 7 8 6 . 1 0 7 8 3 , 9 2 2 . 9 6 7 7 1 , 2 0 9 . 2 6 7 6 0 , 0 3 9 . 0 9 7 5 2 , 7 8 1 . 9 3 7 5 3 , 1 9 2 . 0 8
T o t a l 1 , 5 0 8 , 0 4 7 . 6 4 1 , 7 1 4 , 7 2 5 . 8 2 1 , 9 8 8 , 9 9 8 . 1 3 2 , 3 5 2 , 9 7 1 . 2 5 2 , 8 3 5 , 9 8 1 . 8 4 1 , 9 6 8 , 9 1 3 . 4 8 2 , 1 1 9 , 6 3 9 . 7 3 2 , 2 5 2 , 0 6 6 . 8 9 2 , 3 3 8 , 1 0 3 . 5 8 2 , 3 3 3 , 2 4 1 . 1 0
C u m u l a t i v e 1 , 5 0 8 , 0 4 7 . 6 4 3 , 2 2 2 , 7 7 3 . 4 5 5 , 2 1 1 , 7 7 1 . 5 8 7 , 5 6 4 , 7 4 2 . 8 3 1 0 , 4 0 0 , 7 2 4 . 6 7 1 2 , 3 6 9 , 6 3 8 . 1 5 1 4 , 4 8 9 , 2 7 7 . 8 8 1 6 , 7 4 1 , 3 4 4 . 7 7 1 9 , 0 7 9 , 4 4 8 . 3 5 2 1 , 4 1 2 , 6 8 9 . 4 5
N e t C a s h ( 3 , 4 9 1 , 9 5 2 . 3 6 ) 1 , 0 2 9 , 4 7 4 . 9 8 1 , 0 7 9 , 6 3 5 . 9 0 1 , 1 4 6 , 2 0 1 . 9 5 1 , 2 3 4 , 5 3 8 . 4 3 ( 1 5 6 , 2 8 2 . 2 5 ) 9 3 4 , 6 4 9 . 2 1 9 0 3 , 6 3 6 . 4 3 8 4 6 , 0 7 5 . 7 7 7 4 7 , 9 1 9 . 4 5
C u m u l a t i v e ( 3 , 4 9 1 , 9 5 2 . 3 6 ) ( 2 , 4 6 2 , 4 7 7 . 3 8 ) ( 1 , 3 8 2 , 8 4 1 . 4 8 ) ( 2 3 6 , 6 3 9 . 5 3 ) 9 9 7 , 8 9 8 . 9 0 8 4 1 , 6 1 6 . 6 4 1 , 7 7 6 , 2 6 5 . 8 6 2 , 6 7 9 , 9 0 2 . 2 8 3 , 5 2 5 , 9 7 8 . 0 5 4 , 2 7 3 , 8 9 7 . 5 1
R O I - 6 9 . 8 4 % - 4 3 . 3 1 % - 2 0 . 9 7 % - 3 . 0 3 % 1 0 . 6 1 % 7 . 3 0 % 1 3 . 9 7 % 1 9 . 0 6 % 2 2 . 6 7 % 2 4 . 9 4 %
I R R - 3 3 % - 1 5 % - 3 % 5 % 1 0 %
E s t a b l i s h i n g a C o m m e r c i a l B a n k i n J o r d a n
T a r i q A l - B a s h a – 0 0 9 6 2 7 9 7 6 7 7 4 1 8 – t a r i q a l b a s h a @ o u t l o o k . c o m
P a g e 1 0 o f 2 2
C a r L o a n s C a s h F l o w
N o . E n t r y Y e a r 1 Y e a r 2 Y e a r 3 Y e a r 4 Y e a r 5 Y e a r 6 Y e a r 7 Y e a r 8 Y e a r 9 Y e a r 1 0
1 L e n d i n g C a p i t a l
1 . 1 P e r s o n a l L o a n s 5 , 0 0 0 , 0 0 0 . 0 0 2 1 2 , 5 7 3 . 2 1 2 5 9 , 8 7 3 . 8 6 3 1 7 , 6 9 9 . 6 0 3 8 8 , 3 9 2 . 4 1 4 7 4 , 8 1 5 . 4 0 5 8 0 , 4 6 8 . 7 8 7 0 9 , 6 3 1 . 5 9 8 6 7 , 5 3 5 . 0 1 1 , 0 6 0 , 5 7 4 . 2 5
T o t a l 5 , 0 0 0 , 0 0 0 . 0 0 2 1 2 , 5 7 3 . 2 1 2 5 9 , 8 7 3 . 8 6 3 1 7 , 6 9 9 . 6 0 3 8 8 , 3 9 2 . 4 1 4 7 4 , 8 1 5 . 4 0 5 8 0 , 4 6 8 . 7 8 7 0 9 , 6 3 1 . 5 9 8 6 7 , 5 3 5 . 0 1 1 , 0 6 0 , 5 7 4 . 2 5
C u m u l a t i v e 5 , 0 0 0 , 0 0 0 . 0 0 5 , 2 1 2 , 5 7 3 . 2 1 5 , 4 7 2 , 4 4 7 . 0 6 5 , 7 9 0 , 1 4 6 . 6 6 6 , 1 7 8 , 5 3 9 . 0 7 6 , 6 5 3 , 3 5 4 . 4 7 7 , 2 3 3 , 8 2 3 . 2 6 7 , 9 4 3 , 4 5 4 . 8 4 8 , 8 1 0 , 9 8 9 . 8 5 9 , 8 7 1 , 5 6 4 . 0 9
2 L o a n R e p a y m e n t
2 . 1 P r i n c i p a l R e p a y m e n t 2 1 2 , 5 7 3 . 2 1 2 5 9 , 8 7 3 . 8 6 3 1 7 , 6 9 9 . 6 0 3 8 8 , 3 9 2 . 4 1 4 7 4 , 8 1 5 . 4 0 5 8 0 , 4 6 8 . 7 8 7 0 9 , 6 3 1 . 5 9 8 6 7 , 5 3 5 . 0 1 1 , 0 6 0 , 5 7 4 . 2 5 1 , 2 9 6 , 5 6 7 . 5 4
2 . 2 I n t e r e s t P a y m e n t s 8 1 7 , 5 5 3 . 1 6 8 1 4 , 0 4 7 . 9 6 8 0 9 , 7 6 2 . 8 1 8 0 4 , 5 2 4 . 1 4 7 9 8 , 1 1 9 . 7 9 7 9 0 , 2 9 0 . 3 9 7 8 0 , 7 1 8 . 8 3 7 6 9 , 0 1 7 . 4 5 7 5 4 , 7 1 2 . 3 4 7 3 7 , 2 2 4 . 1 5
T o t a l 1 , 0 3 0 , 1 2 6 . 3 7 1 , 0 7 3 , 9 2 1 . 8 2 1 , 1 2 7 , 4 6 2 . 4 0 1 , 1 9 2 , 9 1 6 . 5 5 1 , 2 7 2 , 9 3 5 . 2 0 1 , 3 7 0 , 7 5 9 . 1 7 1 , 4 9 0 , 3 5 0 . 4 1 1 , 6 3 6 , 5 5 2 . 4 5 1 , 8 1 5 , 2 8 6 . 5 9 2 , 0 3 3 , 7 9 1 . 6 9
C u m u l a t i v e 1 , 0 3 0 , 1 2 6 . 3 7 2 , 1 0 4 , 0 4 8 . 1 8 3 , 2 3 1 , 5 1 0 . 5 9 4 , 4 2 4 , 4 2 7 . 1 3 5 , 6 9 7 , 3 6 2 . 3 3 7 , 0 6 8 , 1 2 1 . 5 0 8 , 5 5 8 , 4 7 1 . 9 2 1 0 , 1 9 5 , 0 2 4 . 3 7 1 2 , 0 1 0 , 3 1 0 . 9 6 1 4 , 0 4 4 , 1 0 2 . 6 5
N e t C a s h ( 3 , 9 6 9 , 8 7 3 . 6 3 ) 8 6 1 , 3 4 8 . 6 1 8 6 7 , 5 8 8 . 5 4 8 7 5 , 2 1 6 . 9 5 8 8 4 , 5 4 2 . 7 9 8 9 5 , 9 4 3 . 7 7 9 0 9 , 8 8 1 . 6 3 9 2 6 , 9 2 0 . 8 7 9 4 7 , 7 5 1 . 5 9 9 7 3 , 2 1 7 . 4 4
C u m u l a t i v e ( 3 , 9 6 9 , 8 7 3 . 6 3 ) ( 3 , 1 0 8 , 5 2 5 . 0 2 ) ( 2 , 2 4 0 , 9 3 6 . 4 8 ) ( 1 , 3 6 5 , 7 1 9 . 5 3 ) ( 4 8 1 , 1 7 6 . 7 3 ) 4 1 4 , 7 6 7 . 0 3 1 , 3 2 4 , 6 4 8 . 6 6 2 , 2 5 1 , 5 6 9 . 5 3 3 , 1 9 9 , 3 2 1 . 1 1 4 , 1 7 2 , 5 3 8 . 5 6
R O I - 7 9 . 4 0 % - 5 9 . 6 4 % - 4 0 . 9 5 % - 2 3 . 5 9 % - 7 . 7 9 % 6 . 2 3 % 1 8 . 3 1 % 2 8 . 3 4 % 3 6 . 3 1 % 4 2 . 2 7 %
I R R - 1 8 . 1 4 % - 7 . 1 8 % 0 . 2 6 %
E s t a b l i s h i n g a C o m m e r c i a l B a n k i n J o r d a n
T a r i q A l - B a s h a – 0 0 9 6 2 7 9 7 6 7 7 4 1 8 – t a r i q a l b a s h a @ o u t l o o k . c o m
P a g e 1 1 o f 2 2
H o u s i n g L o a n s C a s h F l o w
N o . E n t r y Y e a r 1 Y e a r 2 Y e a r 3 Y e a r 4 Y e a r 5 Y e a r 6 Y e a r 7 Y e a r 8 Y e a r 9 Y e a r 1 0
1 L e n d i n g C a p i t a l
1 . 1 P e r s o n a l L o a n s 5 , 0 0 0 , 0 0 0 . 0 0 1 5 2 , 3 2 7 . 9 1 1 8 2 , 8 6 4 . 4 1 2 1 9 , 5 2 2 . 4 3 2 6 3 , 5 2 9 . 1 3 3 1 6 , 3 5 7 . 6 5 3 7 9 , 7 7 6 . 4 7 4 5 5 , 9 0 8 . 5 8 5 4 7 , 3 0 2 . 5 5 6 5 7 , 0 1 7 . 8 8
T o t a l 5 , 0 0 0 , 0 0 0 . 0 0 1 5 2 , 3 2 7 . 9 1 1 8 2 , 8 6 4 . 4 1 2 1 9 , 5 2 2 . 4 3 2 6 3 , 5 2 9 . 1 3 3 1 6 , 3 5 7 . 6 5 3 7 9 , 7 7 6 . 4 7 4 5 5 , 9 0 8 . 5 8 5 4 7 , 3 0 2 . 5 5 6 5 7 , 0 1 7 . 8 8
C u m u l a t i v e 5 , 0 0 0 , 0 0 0 . 0 0 5 , 1 5 2 , 3 2 7 . 9 1 5 , 3 3 5 , 1 9 2 . 3 2 5 , 5 5 4 , 7 1 4 . 7 6 5 , 8 1 8 , 2 4 3 . 8 8 6 , 1 3 4 , 6 0 1 . 5 3 6 , 5 1 4 , 3 7 7 . 9 9 6 , 9 7 0 , 2 8 6 . 5 7 7 , 5 1 7 , 5 8 9 . 1 2 8 , 1 7 4 , 6 0 7 . 0 0
2 L o a n R e p a y m e n t
2 . 1 P r i n c i p a l R e p a y m e n t 1 5 2 , 3 2 7 . 9 1 1 8 2 , 8 6 4 . 4 1 2 1 9 , 5 2 2 . 4 3 2 6 3 , 5 2 9 . 1 3 3 1 6 , 3 5 7 . 6 5 3 7 9 , 7 7 6 . 4 7 4 5 5 , 9 0 8 . 5 8 5 4 7 , 3 0 2 . 5 5 6 5 7 , 0 1 7 . 8 8 7 8 8 , 7 2 7 . 3 5
2 . 2 I n t e r e s t P a y m e n t s 7 7 9 , 4 5 5 . 7 7 7 7 7 , 3 0 6 . 6 0 7 7 4 , 7 2 6 . 5 9 7 7 1 , 6 2 9 . 3 9 7 6 7 , 9 1 1 . 2 9 7 6 3 , 4 4 7 . 8 5 7 5 8 , 0 8 9 . 6 4 7 5 1 , 6 5 7 . 3 0 7 4 3 , 9 3 5 . 4 9 7 3 4 , 6 6 5 . 7 3
T o t a l 9 3 1 , 7 8 3 . 6 8 9 6 0 , 1 7 1 . 0 1 9 9 4 , 2 4 9 . 0 3 1 , 0 3 5 , 1 5 8 . 5 1 1 , 0 8 4 , 2 6 8 . 9 4 1 , 1 4 3 , 2 2 4 . 3 2 1 , 2 1 3 , 9 9 8 . 2 2 1 , 2 9 8 , 9 5 9 . 8 5 1 , 4 0 0 , 9 5 3 . 3 7 1 , 5 2 3 , 3 9 3 . 0 8
C u m u l a t i v e 9 3 1 , 7 8 3 . 6 8 1 , 8 9 1 , 9 5 4 . 6 9 2 , 8 8 6 , 2 0 3 . 7 2 3 , 9 2 1 , 3 6 2 . 2 3 5 , 0 0 5 , 6 3 1 . 1 7 6 , 1 4 8 , 8 5 5 . 4 9 7 , 3 6 2 , 8 5 3 . 7 0 8 , 6 6 1 , 8 1 3 . 5 6 1 0 , 0 6 2 , 7 6 6 . 9 3 1 1 , 5 8 6 , 1 6 0 . 0 1
N e t C a s h ( 4 , 0 6 8 , 2 1 6 . 3 2 ) 8 0 7 , 8 4 3 . 1 0 8 1 1 , 3 8 4 . 6 1 8 1 5 , 6 3 6 . 0 8 8 2 0 , 7 3 9 . 8 1 8 2 6 , 8 6 6 . 6 7 8 3 4 , 2 2 1 . 7 5 8 4 3 , 0 5 1 . 2 8 8 5 3 , 6 5 0 . 8 2 8 6 6 , 3 7 5 . 2 0
C u m u l a t i v e ( 4 , 0 6 8 , 2 1 6 . 3 2 ) ( 3 , 2 6 0 , 3 7 3 . 2 2 ) ( 2 , 4 4 8 , 9 8 8 . 6 0 ) ( 1 , 6 3 3 , 3 5 2 . 5 3 ) ( 8 1 2 , 6 1 2 . 7 1 ) 1 4 , 2 5 3 . 9 6 8 4 8 , 4 7 5 . 7 1 1 , 6 9 1 , 5 2 6 . 9 9 2 , 5 4 5 , 1 7 7 . 8 1 3 , 4 1 1 , 5 5 3 . 0 1
R O I - 8 1 . 3 6 % - 6 3 . 2 8 % - 4 5 . 9 0 % - 2 9 . 4 0 % - 1 3 . 9 7 % 0 . 2 3 % 1 3 . 0 2 % 2 4 . 2 7 % 3 3 . 8 6 % 4 1 . 7 3 %
I R R - 2 6 . 4 2 % - 1 3 . 7 4 % - 5 . 3 0 %
E s t a b l i s h i n g a C o m m e r c i a l B a n k i n J o r d a n
T a r i q A l - B a s h a – 0 0 9 6 2 7 9 7 6 7 7 4 1 8 – t a r i q a l b a s h a @ o u t l o o k . c o m
P a g e 1 2 o f 2 2
P e r s o n a l & C a r L o a n s – N e t R e v e n u e
C r e d i t F a c i l i t i e s Y e a r 1 Y e a r 2 Y e a r 3 Y e a r 4 Y e a r 5 Y e a r 6 Y e a r 7 Y e a r 8 Y e a r 9 Y e a r 1 0
T o t a l R e v e n u e ( S a l e s )
P e r s o n a l L o a n s 1 , 5 0 8 , 0 4 7 . 6 4 1 , 7 1 4 , 7 2 5 . 8 2 1 , 9 8 8 , 9 9 8 . 1 3 2 , 3 5 2 , 9 7 1 . 2 5 2 , 8 3 5 , 9 8 1 . 8 4 1 , 9 6 8 , 9 1 3 . 4 8 2 , 1 1 9 , 6 3 9 . 7 3 2 , 2 5 2 , 0 6 6 . 8 9 2 , 3 3 8 , 1 0 3 . 5 8 2 , 3 3 3 , 2 4 1 . 1 0
C a r L o a n 1 , 0 3 0 , 1 2 6 . 3 7 1 , 0 7 3 , 9 2 1 . 8 2 1 , 1 2 7 , 4 6 2 . 4 0 1 , 1 9 2 , 9 1 6 . 5 5 1 , 2 7 2 , 9 3 5 . 2 0 1 , 3 7 0 , 7 5 9 . 1 7 1 , 4 9 0 , 3 5 0 . 4 1 1 , 6 3 6 , 5 5 2 . 4 5 1 , 8 1 5 , 2 8 6 . 5 9 2 , 0 3 3 , 7 9 1 . 6 9
H o u s i n g L o a n s 9 3 1 , 7 8 3 . 6 8 9 6 0 , 1 7 1 . 0 1 9 9 4 , 2 4 9 . 0 3 1 , 0 3 5 , 1 5 8 . 5 1 1 , 0 8 4 , 2 6 8 . 9 4 1 , 1 4 3 , 2 2 4 . 3 2 1 , 2 1 3 , 9 9 8 . 2 2 1 , 2 9 8 , 9 5 9 . 8 5 1 , 4 0 0 , 9 5 3 . 3 7 1 , 5 2 3 , 3 9 3 . 0 8
T o t a l 3 , 4 6 9 , 9 5 7 . 6 8 3 , 7 4 8 , 8 1 8 . 6 5 4 , 1 1 0 , 7 0 9 . 5 6 4 , 5 8 1 , 0 4 6 . 3 1 5 , 1 9 3 , 1 8 5 . 9 7 4 , 4 8 2 , 8 9 6 . 9 7 4 , 8 2 3 , 9 8 8 . 3 6 5 , 1 8 7 , 5 7 9 . 2 0 5 , 5 5 4 , 3 4 3 . 5 4 5 , 8 9 0 , 4 2 5 . 8 7
C u m u l a t i v e 3 , 4 6 9 , 9 5 7 . 6 8 7 , 2 1 8 , 7 7 6 . 3 3 1 1 , 3 2 9 , 4 8 5 . 8 9 1 5 , 9 1 0 , 5 3 2 . 1 9 2 1 , 1 0 3 , 7 1 8 . 1 7 2 5 , 5 8 6 , 6 1 5 . 1 4 3 0 , 4 1 0 , 6 0 3 . 5 0 3 5 , 5 9 8 , 1 8 2 . 7 0 4 1 , 1 5 2 , 5 2 6 . 2 4 4 7 , 0 4 2 , 9 5 2 . 1 0
C o s t o f S a l e s
P e r s o n a l L o a n s - P r i n c i p a l 6 8 5 , 2 5 0 . 8 3 9 0 9 , 3 6 2 . 2 3 1 , 2 0 6 , 7 6 9 . 3 0 1 , 6 0 1 , 4 4 3 . 4 0 2 , 1 2 5 , 1 9 5 . 7 3 1 , 1 8 4 , 9 9 0 . 5 2 1 , 3 4 8 , 4 3 0 . 4 7 1 , 4 9 2 , 0 2 7 . 8 1 1 , 5 8 5 , 3 2 1 . 6 5 1 , 5 8 0 , 0 4 9 . 0 3
P e r s o n a l L o a n s - D e p o s i t s ( 4 % ) 1 7 3 , 2 2 0 . 3 8 1 6 9 , 5 5 0 . 2 3 1 6 4 , 6 7 9 . 7 5 1 5 8 , 2 1 6 . 3 9 1 4 9 , 6 3 9 . 1 8 1 6 5 , 0 3 6 . 4 1 1 6 2 , 3 5 9 . 8 4 1 6 0 , 0 0 8 . 2 3 1 5 8 , 4 8 0 . 4 1 1 5 8 , 5 6 6 . 7 5
C a r L o a n s - P r i n c i p a l 2 1 2 , 5 7 3 . 2 1 2 5 9 , 8 7 3 . 8 6 3 1 7 , 6 9 9 . 6 0 3 8 8 , 3 9 2 . 4 1 4 7 4 , 8 1 5 . 4 0 5 8 0 , 4 6 8 . 7 8 7 0 9 , 6 3 1 . 5 9 8 6 7 , 5 3 5 . 0 1 1 , 0 6 0 , 5 7 4 . 2 5 1 , 2 9 6 , 5 6 7 . 5 4
C a r L o a n s - D e p o s i t s ( 4 % ) 1 8 1 , 6 7 8 . 4 8 1 8 0 , 8 9 9 . 5 5 1 7 9 , 9 4 7 . 2 9 1 7 8 , 7 8 3 . 1 4 1 7 7 , 3 5 9 . 9 5 1 7 5 , 6 2 0 . 0 9 1 7 3 , 4 9 3 . 0 7 1 7 0 , 8 9 2 . 7 7 1 6 7 , 7 1 3 . 8 5 1 6 3 , 8 2 7 . 5 9
C a r L o a n s - P r i n c i p a l 1 5 2 , 3 2 7 . 9 1 1 8 2 , 8 6 4 . 4 1 2 1 9 , 5 2 2 . 4 3 2 6 3 , 5 2 9 . 1 3 3 1 6 , 3 5 7 . 6 5 3 7 9 , 7 7 6 . 4 7 4 5 5 , 9 0 8 . 5 8 5 4 7 , 3 0 2 . 5 5 6 5 7 , 0 1 7 . 8 8 7 8 8 , 7 2 7 . 3 5
C a r L o a n s - D e p o s i t s ( 4 % ) 1 8 3 , 4 0 1 . 3 6 1 8 2 , 8 9 5 . 6 7 1 8 2 , 2 8 8 . 6 1 1 8 1 , 5 5 9 . 8 6 1 8 0 , 6 8 5 . 0 1 1 7 9 , 6 3 4 . 7 9 1 7 8 , 3 7 4 . 0 3 1 7 6 , 8 6 0 . 5 4 1 7 5 , 0 4 3 . 6 5 1 7 2 , 8 6 2 . 5 2
T o t a l 1 , 5 8 8 , 4 5 2 . 1 7 1 , 8 8 5 , 4 4 5 . 9 5 2 , 2 7 0 , 9 0 6 . 9 8 2 , 7 7 1 , 9 2 4 . 3 2 3 , 4 2 4 , 0 5 2 . 9 3 2 , 6 6 5 , 5 2 7 . 0 6 3 , 0 2 8 , 1 9 7 . 5 8 3 , 4 1 4 , 6 2 6 . 9 0 3 , 8 0 4 , 1 5 1 . 6 8 4 , 1 6 0 , 6 0 0 . 7 8
C u m u l a t i v e 1 , 5 8 8 , 4 5 2 . 1 7 3 , 4 7 3 , 8 9 8 . 1 1 5 , 7 4 4 , 8 0 5 . 1 0 8 , 5 1 6 , 7 2 9 . 4 2 1 1 , 9 4 0 , 7 8 2 . 3 5 1 4 , 6 0 6 , 3 0 9 . 4 0 1 7 , 6 3 4 , 5 0 6 . 9 8 2 1 , 0 4 9 , 1 3 3 . 8 8 2 4 , 8 5 3 , 2 8 5 . 5 6 2 9 , 0 1 3 , 8 8 6 . 3 5
N e t R e v e n u e ( S a l e s ) 1 , 8 8 1 , 5 0 5 . 5 2 1 , 8 6 3 , 3 7 2 . 7 0 1 , 8 3 9 , 8 0 2 . 5 7 1 , 8 0 9 , 1 2 1 . 9 8 1 , 7 6 9 , 1 3 3 . 0 5 1 , 8 1 7 , 3 6 9 . 9 1 1 , 7 9 5 , 7 9 0 . 7 8 1 , 7 7 2 , 9 5 2 . 3 0 1 , 7 5 0 , 1 9 1 . 8 6 1 , 7 2 9 , 8 2 5 . 0 8
C u m u l a t i v e 1 , 8 8 1 , 5 0 5 . 5 2 3 , 7 4 4 , 8 7 8 . 2 2 5 , 5 8 4 , 6 8 0 . 7 9 7 , 3 9 3 , 8 0 2 . 7 7 9 , 1 6 2 , 9 3 5 . 8 2 1 0 , 9 8 0 , 3 0 5 . 7 3 1 2 , 7 7 6 , 0 9 6 . 5 1 1 4 , 5 4 9 , 0 4 8 . 8 1 1 6 , 2 9 9 , 2 4 0 . 6 7 1 8 , 0 2 9 , 0 6 5 . 7 6
Establishing a Commercial Bank in Jordan Tariq Al-Basha – 00962 7 9767 7418 – [email protected]
Page 13 of 22
Appendix
Example of Personal Loan Annual Interest Rate 19.00%
Monthly Rate 1.46%
Loan Amount 5,000.00
Term of loan (months) 60.00
Payment (125.67)
Month Principal balance Principal payment Interest Payment
1 5,000.00 (52.66) (73.01) (125.67)
2 4,947.34 (53.43) (72.24) (125.67)
3 4,893.91 (54.21) (71.46) (125.67)
4 4,839.70 (55.00) (70.67) (125.67)
5 4,784.69 (55.81) (69.86) (125.67)
6 4,728.89 (56.62) (69.05) (125.67)
7 4,672.27 (57.45) (68.22) (125.67)
8 4,614.82 (58.29) (67.38) (125.67)
9 4,556.53 (59.14) (66.53) (125.67)
10 4,497.39 (60.00) (65.67) (125.67)
11 4,437.39 (60.88) (64.79) (125.67)
12 4,376.52 (61.77) (63.90) (125.67)
13 4,314.75 (62.67) (63.00) (125.67)
14 4,252.08 (63.58) (62.09) (125.67)
15 4,188.50 (64.51) (61.16) (125.67)
16 4,123.99 (65.45) (60.22) (125.67)
17 4,058.53 (66.41) (59.26) (125.67)
18 3,992.12 (67.38) (58.29) (125.67)
19 3,924.74 (68.36) (57.31) (125.67)
20 3,856.38 (69.36) (56.31) (125.67)
21 3,787.02 (70.37) (55.30) (125.67)
22 3,716.65 (71.40) (54.27) (125.67)
23 3,645.25 (72.44) (53.23) (125.67)
24 3,572.80 (73.50) (52.17) (125.67)
25 3,499.30 (74.57) (51.10) (125.67)
26 3,424.73 (75.66) (50.01) (125.67)
27 3,349.06 (76.77) (48.90) (125.67)
28 3,272.29 (77.89) (47.78) (125.67)
29 3,194.40 (79.03) (46.64) (125.67)
30 3,115.38 (80.18) (45.49) (125.67)
31 3,035.20 (81.35) (44.32) (125.67)
32 2,953.84 (82.54) (43.13) (125.67)
33 2,871.30 (83.74) (41.93) (125.67)
34 2,787.56 (84.97) (40.70) (125.67)
35 2,702.59 (86.21) (39.46) (125.67)
36 2,616.38 (87.47) (38.20) (125.67)
Establishing a Commercial Bank in Jordan Tariq Al-Basha – 00962 7 9767 7418 – [email protected]
Page 14 of 22
37 2,528.92 (88.74) (36.93) (125.67)
38 2,440.17 (90.04) (35.63) (125.67)
39 2,350.13 (91.35) (34.32) (125.67)
40 2,258.78 (92.69) (32.98) (125.67)
41 2,166.09 (94.04) (31.63) (125.67)
42 2,072.05 (95.42) (30.26) (125.67)
43 1,976.63 (96.81) (28.86) (125.67)
44 1,879.82 (98.22) (27.45) (125.67)
45 1,781.60 (99.66) (26.01) (125.67)
46 1,681.95 (101.11) (24.56) (125.67)
47 1,580.83 (102.59) (23.08) (125.67)
48 1,478.25 (104.09) (21.58) (125.67)
49 1,374.16 (105.61) (20.07) (125.67)
50 1,268.55 (107.15) (18.52) (125.67)
51 1,161.41 (108.71) (16.96) (125.67)
52 1,052.70 (110.30) (15.37) (125.67)
53 942.40 (111.91) (13.76) (125.67)
54 830.49 (113.54) (12.13) (125.67)
55 716.94 (115.20) (10.47) (125.67)
56 601.74 (116.88) (8.79) (125.67)
57 484.86 (118.59) (7.08) (125.67)
58 366.26 (120.32) (5.35) (125.67)
59 245.94 (122.08) (3.59) (125.67)
60 123.86 (123.86) (1.81) (125.67)
Establishing a Commercial Bank in Jordan Tariq Al-Basha – 00962 7 9767 7418 – [email protected]
Page 15 of 22
Example of Car Loan Annual Interest Rate 18.00%
Monthly Rate 1.39%
Loan Amount 10,000.00
Term of loan (months) 120.00
Payment (171.69)
Month Principal balance Principal payment Interest Payment
1 10,000.00 (32.80) (138.88) (171.69)
2 9,967.20 (33.26) (138.43) (171.69)
3 9,933.94 (33.72) (137.97) (171.69)
4 9,900.22 (34.19) (137.50) (171.69)
5 9,866.03 (34.66) (137.02) (171.69)
6 9,831.36 (35.15) (136.54) (171.69)
7 9,796.22 (35.63) (136.05) (171.69)
8 9,760.58 (36.13) (135.56) (171.69)
9 9,724.46 (36.63) (135.06) (171.69)
10 9,687.83 (37.14) (134.55) (171.69)
11 9,650.69 (37.65) (134.03) (171.69)
12 9,613.03 (38.18) (133.51) (171.69)
13 9,574.85 (38.71) (132.98) (171.69)
14 9,536.15 (39.25) (132.44) (171.69)
15 9,496.90 (39.79) (131.90) (171.69)
16 9,457.11 (40.34) (131.34) (171.69)
17 9,416.77 (40.90) (130.78) (171.69)
18 9,375.86 (41.47) (130.22) (171.69)
19 9,334.39 (42.05) (129.64) (171.69)
20 9,292.34 (42.63) (129.06) (171.69)
21 9,249.71 (43.22) (128.46) (171.69)
22 9,206.49 (43.82) (127.86) (171.69)
23 9,162.66 (44.43) (127.26) (171.69)
24 9,118.23 (45.05) (126.64) (171.69)
25 9,073.18 (45.68) (126.01) (171.69)
26 9,027.51 (46.31) (125.38) (171.69)
27 8,981.20 (46.95) (124.73) (171.69)
28 8,934.24 (47.61) (124.08) (171.69)
29 8,886.64 (48.27) (123.42) (171.69)
30 8,838.37 (48.94) (122.75) (171.69)
31 8,789.43 (49.62) (122.07) (171.69)
32 8,739.82 (50.31) (121.38) (171.69)
33 8,689.51 (51.00) (120.68) (171.69)
34 8,638.51 (51.71) (119.98) (171.69)
35 8,586.80 (52.43) (119.26) (171.69)
36 8,534.37 (53.16) (118.53) (171.69)
37 8,481.21 (53.90) (117.79) (171.69)
Establishing a Commercial Bank in Jordan Tariq Al-Basha – 00962 7 9767 7418 – [email protected]
Page 16 of 22
38 8,427.31 (54.65) (117.04) (171.69)
39 8,372.66 (55.40) (116.28) (171.69)
40 8,317.26 (56.17) (115.51) (171.69)
41 8,261.09 (56.95) (114.73) (171.69)
42 8,204.13 (57.75) (113.94) (171.69)
43 8,146.39 (58.55) (113.14) (171.69)
44 8,087.84 (59.36) (112.33) (171.69)
45 8,028.48 (60.18) (111.50) (171.69)
46 7,968.29 (61.02) (110.67) (171.69)
47 7,907.27 (61.87) (109.82) (171.69)
48 7,845.41 (62.73) (108.96) (171.69)
49 7,782.68 (63.60) (108.09) (171.69)
50 7,719.08 (64.48) (107.21) (171.69)
51 7,654.60 (65.38) (106.31) (171.69)
52 7,589.22 (66.29) (105.40) (171.69)
53 7,522.93 (67.21) (104.48) (171.69)
54 7,455.73 (68.14) (103.55) (171.69)
55 7,387.59 (69.09) (102.60) (171.69)
56 7,318.50 (70.05) (101.64) (171.69)
57 7,248.46 (71.02) (100.67) (171.69)
58 7,177.44 (72.00) (99.68) (171.69)
59 7,105.44 (73.00) (98.68) (171.69)
60 7,032.43 (74.02) (97.67) (171.69)
61 6,958.41 (75.05) (96.64) (171.69)
62 6,883.37 (76.09) (95.60) (171.69)
63 6,807.28 (77.15) (94.54) (171.69)
64 6,730.13 (78.22) (93.47) (171.69)
65 6,651.92 (79.30) (92.38) (171.69)
66 6,572.61 (80.40) (91.28) (171.69)
67 6,492.21 (81.52) (90.17) (171.69)
68 6,410.69 (82.65) (89.03) (171.69)
69 6,328.03 (83.80) (87.89) (171.69)
70 6,244.23 (84.97) (86.72) (171.69)
71 6,159.27 (86.15) (85.54) (171.69)
72 6,073.12 (87.34) (84.35) (171.69)
73 5,985.78 (88.55) (83.13) (171.69)
74 5,897.23 (89.78) (81.90) (171.69)
75 5,807.44 (91.03) (80.66) (171.69)
76 5,716.41 (92.30) (79.39) (171.69)
77 5,624.12 (93.58) (78.11) (171.69)
78 5,530.54 (94.88) (76.81) (171.69)
79 5,435.66 (96.19) (75.49) (171.69)
80 5,339.47 (97.53) (74.16) (171.69)
81 5,241.93 (98.89) (72.80) (171.69)
82 5,143.05 (100.26) (71.43) (171.69)
83 5,042.79 (101.65) (70.04) (171.69)
Establishing a Commercial Bank in Jordan Tariq Al-Basha – 00962 7 9767 7418 – [email protected]
Page 17 of 22
84 4,941.14 (103.06) (68.62) (171.69)
85 4,838.08 (104.49) (67.19) (171.69)
86 4,733.58 (105.95) (65.74) (171.69)
87 4,627.64 (107.42) (64.27) (171.69)
88 4,520.22 (108.91) (62.78) (171.69)
89 4,411.31 (110.42) (61.27) (171.69)
90 4,300.89 (111.96) (59.73) (171.69)
91 4,188.93 (113.51) (58.18) (171.69)
92 4,075.42 (115.09) (56.60) (171.69)
93 3,960.34 (116.68) (55.00) (171.69)
94 3,843.65 (118.31) (53.38) (171.69)
95 3,725.35 (119.95) (51.74) (171.69)
96 3,605.40 (121.61) (50.07) (171.69)
97 3,483.78 (123.30) (48.38) (171.69)
98 3,360.48 (125.02) (46.67) (171.69)
99 3,235.46 (126.75) (44.94) (171.69)
100 3,108.71 (128.51) (43.18) (171.69)
101 2,980.20 (130.30) (41.39) (171.69)
102 2,849.90 (132.11) (39.58) (171.69)
103 2,717.79 (133.94) (37.75) (171.69)
104 2,583.85 (135.80) (35.89) (171.69)
105 2,448.05 (137.69) (34.00) (171.69)
106 2,310.36 (139.60) (32.09) (171.69)
107 2,170.76 (141.54) (30.15) (171.69)
108 2,029.22 (143.51) (28.18) (171.69)
109 1,885.72 (145.50) (26.19) (171.69)
110 1,740.22 (147.52) (24.17) (171.69)
111 1,592.70 (149.57) (22.12) (171.69)
112 1,443.13 (151.64) (20.04) (171.69)
113 1,291.49 (153.75) (17.94) (171.69)
114 1,137.74 (155.89) (15.80) (171.69)
115 981.85 (158.05) (13.64) (171.69)
116 823.80 (160.25) (11.44) (171.69)
117 663.55 (162.47) (9.22) (171.69)
118 501.08 (164.73) (6.96) (171.69)
119 336.35 (167.02) (4.67) (171.69)
120 169.34 (169.34) (2.35) (171.69)
Establishing a Commercial Bank in Jordan Tariq Al-Basha – 00962 7 9767 7418 – [email protected]
Page 18 of 22
Example of House Loan Annual Interest Rate 17.00%
Monthly Rate 1.32%
Loan Amount 50,000.00
Term of loan (months) 144.00
Payment (776.49)
Month Principal balance Principal payment Interest Payment
1 50,000.00 (118.01) (658.48) (776.49)
2 49,881.99 (119.56) (656.93) (776.49)
3 49,762.43 (121.13) (655.35) (776.49)
4 49,641.30 (122.73) (653.76) (776.49)
5 49,518.57 (124.35) (652.14) (776.49)
6 49,394.22 (125.98) (650.50) (776.49)
7 49,268.24 (127.64) (648.84) (776.49)
8 49,140.60 (129.32) (647.16) (776.49)
9 49,011.27 (131.03) (645.46) (776.49)
10 48,880.25 (132.75) (643.73) (776.49)
11 48,747.49 (134.50) (641.99) (776.49)
12 48,612.99 (136.27) (640.21) (776.49)
13 48,476.72 (138.07) (638.42) (776.49)
14 48,338.65 (139.89) (636.60) (776.49)
15 48,198.77 (141.73) (634.76) (776.49)
16 48,057.04 (143.59) (632.89) (776.49)
17 47,913.45 (145.48) (631.00) (776.49)
18 47,767.96 (147.40) (629.09) (776.49)
19 47,620.56 (149.34) (627.14) (776.49)
20 47,471.22 (151.31) (625.18) (776.49)
21 47,319.91 (153.30) (623.18) (776.49)
22 47,166.61 (155.32) (621.17) (776.49)
23 47,011.29 (157.37) (619.12) (776.49)
24 46,853.92 (159.44) (617.05) (776.49)
25 46,694.48 (161.54) (614.95) (776.49)
26 46,532.95 (163.67) (612.82) (776.49)
27 46,369.28 (165.82) (610.67) (776.49)
28 46,203.46 (168.00) (608.48) (776.49)
29 46,035.45 (170.22) (606.27) (776.49)
30 45,865.24 (172.46) (604.03) (776.49)
31 45,692.78 (174.73) (601.76) (776.49)
32 45,518.05 (177.03) (599.45) (776.49)
33 45,341.02 (179.36) (597.12) (776.49)
34 45,161.65 (181.72) (594.76) (776.49)
35 44,979.93 (184.12) (592.37) (776.49)
36 44,795.81 (186.54) (589.94) (776.49)
37 44,609.27 (189.00) (587.49) (776.49)
Establishing a Commercial Bank in Jordan Tariq Al-Basha – 00962 7 9767 7418 – [email protected]
Page 19 of 22
38 44,420.27 (191.49) (585.00) (776.49)
39 44,228.78 (194.01) (582.48) (776.49)
40 44,034.77 (196.57) (579.92) (776.49)
41 43,838.20 (199.15) (577.33) (776.49)
42 43,639.05 (201.78) (574.71) (776.49)
43 43,437.27 (204.43) (572.05) (776.49)
44 43,232.84 (207.13) (569.36) (776.49)
45 43,025.71 (209.85) (566.63) (776.49)
46 42,815.86 (212.62) (563.87) (776.49)
47 42,603.24 (215.42) (561.07) (776.49)
48 42,387.82 (218.26) (558.23) (776.49)
49 42,169.56 (221.13) (555.36) (776.49)
50 41,948.43 (224.04) (552.44) (776.49)
51 41,724.39 (226.99) (549.49) (776.49)
52 41,497.40 (229.98) (546.50) (776.49)
53 41,267.42 (233.01) (543.48) (776.49)
54 41,034.41 (236.08) (540.41) (776.49)
55 40,798.33 (239.19) (537.30) (776.49)
56 40,559.14 (242.34) (534.15) (776.49)
57 40,316.80 (245.53) (530.96) (776.49)
58 40,071.27 (248.76) (527.72) (776.49)
59 39,822.51 (252.04) (524.45) (776.49)
60 39,570.47 (255.36) (521.13) (776.49)
61 39,315.11 (258.72) (517.76) (776.49)
62 39,056.39 (262.13) (514.36) (776.49)
63 38,794.26 (265.58) (510.91) (776.49)
64 38,528.68 (269.08) (507.41) (776.49)
65 38,259.60 (272.62) (503.86) (776.49)
66 37,986.98 (276.21) (500.27) (776.49)
67 37,710.77 (279.85) (496.64) (776.49)
68 37,430.92 (283.54) (492.95) (776.49)
69 37,147.38 (287.27) (489.22) (776.49)
70 36,860.11 (291.05) (485.43) (776.49)
71 36,569.06 (294.89) (481.60) (776.49)
72 36,274.17 (298.77) (477.72) (776.49)
73 35,975.40 (302.70) (473.78) (776.49)
74 35,672.70 (306.69) (469.80) (776.49)
75 35,366.01 (310.73) (465.76) (776.49)
76 35,055.28 (314.82) (461.66) (776.49)
77 34,740.45 (318.97) (457.52) (776.49)
78 34,421.49 (323.17) (453.32) (776.49)
79 34,098.32 (327.42) (449.06) (776.49)
80 33,770.89 (331.74) (444.75) (776.49)
81 33,439.15 (336.11) (440.38) (776.49)
82 33,103.05 (340.53) (435.95) (776.49)
83 32,762.52 (345.02) (431.47) (776.49)
Establishing a Commercial Bank in Jordan Tariq Al-Basha – 00962 7 9767 7418 – [email protected]
Page 20 of 22
84 32,417.50 (349.56) (426.93) (776.49)
85 32,067.94 (354.16) (422.32) (776.49)
86 31,713.78 (358.83) (417.66) (776.49)
87 31,354.95 (363.55) (412.93) (776.49)
88 30,991.39 (368.34) (408.14) (776.49)
89 30,623.05 (373.19) (403.29) (776.49)
90 30,249.86 (378.11) (398.38) (776.49)
91 29,871.75 (383.09) (393.40) (776.49)
92 29,488.66 (388.13) (388.35) (776.49)
93 29,100.53 (393.24) (383.24) (776.49)
94 28,707.29 (398.42) (378.06) (776.49)
95 28,308.87 (403.67) (372.82) (776.49)
96 27,905.20 (408.99) (367.50) (776.49)
97 27,496.21 (414.37) (362.11) (776.49)
98 27,081.84 (419.83) (356.66) (776.49)
99 26,662.01 (425.36) (351.13) (776.49)
100 26,236.65 (430.96) (345.53) (776.49)
101 25,805.69 (436.64) (339.85) (776.49)
102 25,369.06 (442.39) (334.10) (776.49)
103 24,926.67 (448.21) (328.27) (776.49)
104 24,478.46 (454.11) (322.37) (776.49)
105 24,024.34 (460.10) (316.39) (776.49)
106 23,564.25 (466.15) (310.33) (776.49)
107 23,098.09 (472.29) (304.19) (776.49)
108 22,625.80 (478.51) (297.97) (776.49)
109 22,147.29 (484.82) (291.67) (776.49)
110 21,662.47 (491.20) (285.29) (776.49)
111 21,171.27 (497.67) (278.82) (776.49)
112 20,673.60 (504.22) (272.26) (776.49)
113 20,169.38 (510.86) (265.62) (776.49)
114 19,658.52 (517.59) (258.90) (776.49)
115 19,140.92 (524.41) (252.08) (776.49)
116 18,616.52 (531.31) (245.17) (776.49)
117 18,085.20 (538.31) (238.18) (776.49)
118 17,546.89 (545.40) (231.09) (776.49)
119 17,001.49 (552.58) (223.90) (776.49)
120 16,448.91 (559.86) (216.63) (776.49)
121 15,889.05 (567.23) (209.25) (776.49)
122 15,321.81 (574.70) (201.78) (776.49)
123 14,747.11 (582.27) (194.21) (776.49)
124 14,164.84 (589.94) (186.55) (776.49)
125 13,574.89 (597.71) (178.78) (776.49)
126 12,977.18 (605.58) (170.90) (776.49)
127 12,371.60 (613.56) (162.93) (776.49)
128 11,758.05 (621.64) (154.85) (776.49)
129 11,136.41 (629.82) (146.66) (776.49)
Establishing a Commercial Bank in Jordan Tariq Al-Basha – 00962 7 9767 7418 – [email protected]
Page 21 of 22
130 10,506.58 (638.12) (138.37) (776.49)
131 9,868.46 (646.52) (129.96) (776.49)
132 9,221.94 (655.04) (121.45) (776.49)
133 8,566.91 (663.66) (112.82) (776.49)
134 7,903.24 (672.40) (104.08) (776.49)
135 7,230.84 (681.26) (95.23) (776.49)
136 6,549.58 (690.23) (86.26) (776.49)
137 5,859.35 (699.32) (77.17) (776.49)
138 5,160.03 (708.53) (67.96) (776.49)
139 4,451.50 (717.86) (58.62) (776.49)
140 3,733.63 (727.32) (49.17) (776.49)
141 3,006.32 (736.89) (39.59) (776.49)
142 2,269.42 (746.60) (29.89) (776.49)
143 1,522.82 (756.43) (20.06) (776.49)
144 766.39 (766.39) (10.09) (776.49)
E s t a b l i s h i n g a C o m m e r c i a l B a n k i n J o r d a n
T a r i q A l - B a s h a – 0 0 9 6 2 7 9 7 6 7 7 4 1 8 – t a r i q a l b a s h a @ o u t l o o k . c o m
P a g e 2 2 o f 2 2
Business & Financial Modelling
Business Planning
Feasibility Studies
Financial Analysis
Market Research & Studies