Our ESG Performance
Our Economic Performance:
Financial Performance (JOD) | 2018 | 2019 | 2020 | 2021 |
---|---|---|---|---|
Revenues | 109,790,122 | 118,077,369 | 111,562,255 | 111,257,490 |
Total capital | 192,937,500 | 200,655,000 | 200,655,000 | 200,655,000 |
Total assets | 2,783,487,914 | 2,766,697,353 | 2,845,997,041 | 2,953,416,753 |
Total shareholders equity | 301,312,334 | 311,683,694 | 322,329,962 | 327,719,498 |
Other Expenses | 23,154,452 | 22,358,845 | 22,112,205 | 21,921,378 |
Employee Benefits | 41,234,749 | 40,257,255 | 37,431,424 | 35,929,881 |
Income tax | 11,933,475 | 13,966,755 | 7,062,374 | 12,936,342 |
Capital adequacy ratio (%) | 14.73 | 15.66 | 15.53 | 15.92 |
Return on equity ratio (%) | 7 | 8.55 | 3.31 | 4.38 |
Loans | 1,520,516,872 | 1,463,693,562 | 1,469,506,933 | 1,464,675,116 |
Net loans and advances | 1,424,510,189 | 1,369,737,583 | 1,369,633,832 | 1,357,684,639 |
Total deposits | 2,009,930,098 | 2,014,166,666 | 2,048,212,352 | 2,165,537,085 |
Ratio of loans to deposits (%) | 75.65 | 72.67 | 71.75 | 67.64 |
Net profit after taxes | 21,277,280 | 23,722,770 | 10,439,706 | 14,230,432 |
Our Social Performance:
Social Performance | 2018 | 2019 | 2020 | 2021 |
---|---|---|---|---|
Total Workforce | ||||
Total number of employees | 1,216 | 1,186 | 1,144 | 1,084 |
By employment contract | ||||
Permanent | 1,214 | 1,184 | 1,142 | 1,077 |
Temporary | 2 | 2 | 2 | 7 |
By employment type | ||||
Full-time | 1,216 | 1,186 | 1,144 | 1,084 |
Part-time | 0 | 0 | 0 | 0 |
By gender | ||||
Female | 478 | 467 | 439 | 412 |
Male | 738 | 719 | 705 | 672 |
By age | ||||
Under 30 | 387 | 380 | 331 | 291 |
Between 30 and 50 | 787 | 762 | 769 | 757 |
50+ | 42 | 44 | 44 | 36 |
Nationalization | ||||
Number of Jordanian employees | 1,213 | 1,183 | 1,141 | 1,080 |
Number of non-Jordanian employees | 3 | 3 | 3 | 4 |
Total Workforce by Job Category | ||||
Senior management | 15 | 16 | 16 | 15 |
Middle management | 197 | 209 | 216 | 198 |
Non-managerial staff | 1,004 | 961 | 912 | 871 |
New Hires | ||||
Total number of new hires | 182 | 125 | 56 | 105 |
By gender | ||||
Female | 68 | 55 | 14 | 37 |
Male | 114 | 70 | 42 | 68 |
By age | ||||
Under 30 | 131 | 97 | 43 | 82 |
Between 30 and 50 | 50 | 28 | 11 | 22 |
50+ | 1 | 0 | 2 | 1 |
Turnover | ||||
Turnover rate (%) | 14.2 | 11.4 | 8.2 | 15.5 |
Total turnover | 173 | 135 | 94 | 168 |
By gender | ||||
Female | 62 | 61 | 39 | 64 |
Male | 111 | 74 | 55 | 104 |
By age | ||||
Under 30 | 47 | 58 | 31 | 59 |
Between 30 and 50 | 107 | 70 | 54 | 95 |
50+ | 19 | 7 | 9 | 14 |
Parental Leave | ||||
Number of Employees who are entitled to parental leave | ||||
Female | 478 | 467 | 439 | 412 |
Male | 738 | 719 | 705 | 672 |
Number of employees who took parental leave | ||||
Female | 39 | 26 | 23 | 32 |
Male | 47 | 30 | 34 | 28 |
Returnees from parental leave | ||||
Female | 31 | 24 | 23 | 27 |
Male | 47 | 30 | 34 | 28 |
Returnees from parental leave who were still working for the bank 12 months later | ||||
Female | 33 | 26 | 21 | 31 |
Male | 45 | 30 | 29 | 27 |
Female Employment | ||||
Total number of female employees | 478 | 467 | 439 | 412 |
Number of female employees in middle management | 52 | 54 | 58 | 53 |
Number of female employees in senior management | 1 | 2 | 2 | 1 |
Workforce | ||||
Total number of employees (Full Time Employees (FTE)) | 1,216 | 1,186 | 1,144 | 1,084 |
Young Employees | ||||
Under 30 | 387 | 380 | 331 | 291 |
Disabled Employees | ||||
Number of disabled employees | 2 | 3 | 3 | 3 |
Percentage of disabled employees | 0.16 | 0.25 | 0.026 | 0.028 |
Percentage of individuals within the organizations leadership | ||||
By age | ||||
Under 30 years old | 0 | 0 | 0 | 0 |
Between 30 and 50 | 0.74 | 0.84 | 0.87 | 0.92 |
50+ | 0.49 | 0.51 | 0.52 | 0.46 |
By gender | ||||
Female | 0.08 | 0.17 | 0.17 | 0.09 |
Male | 1.15 | 1.18 | 1.22 | 1.29 |
By nationality | ||||
Jordanian | 1.15 | 1.26 | 1.31 | 1.29 |
Non-Jordanian | 0.08 | 0.08 | 0.09 | 0.09 |
Percentage of employees per employee category in each of the following diversity categories | ||||
By age | ||||
Under 30 | ||||
Senior Management | 0 | 0 | 0 | 0 |
Middle Management | 0.99 | 0.84 | 0.52 | 0.37 |
Staff | 30.84 | 31.2 | 28.41 | 26.48 |
Between 30 and 50 | ||||
Senior Management | 0.74 | 0.84 | 0.87 | 0.92 |
Middle Management | 14.14 | 15.6 | 17.05 | 16.7 |
Staff | 49.84 | 47.81 | 49.3 | 52.21 |
50+ | ||||
Senior Management | 0.49 | 0.51 | 0.52 | 0.46 |
Middle Management | 1.07 | 1.18 | 1.31 | 1.2 |
Staff | 1.89 | 2.02 | 2.01 | 1.66 |
By gender | ||||
Female | ||||
Senior Management | 0.08 | 0.17 | 0.17 | 0.09 |
Middle Management | 4.28 | 4.55 | 5.07 | 4.89 |
Staff | 34.95 | 34.65 | 33.13 | 33.03 |
Male | ||||
Senior Management | 1.15 | 1.18 | 1.22 | 1.29 |
Middle Management | 11.92 | 13.07 | 13.81 | 13.38 |
Staff | 47.62 | 46.37 | 46.59 | 47.32 |
By nationality | ||||
Jordanian | ||||
Senior Management | 1.15 | 1.26 | 1.31 | 1.29 |
Middle Management | 16.12 | 17.54 | 18.79 | 18.17 |
Staff | 82.48 | 80.94 | 79.63 | 80.17 |
Non-Jordanian | ||||
Senior Management | 0.08 | 0.08 | 0.09 | 0.09 |
Middle Management | 0.08 | 0.08 | 0.09 | 0.09 |
Staff | 0.08 | 0.08 | 0.09 | 0.18 |
Ratio of basic salary and remuneration of women to men | ||||
Senior Management | 0.07 | 0.1 | 0.1 | 0.03 |
Middle Management | 0.28 | 0.27 | 0.3 | 0.3 |
Staff | 0.64 | 0.67 | 0.65 | 0.62 |
Training | ||||
Average hours of training per employee | 7.5 | 9.5 | 3.9 | 3.6 |
By gender | ||||
Female | 7 | 8.3 | 3.6 | 3.6 |
Male | 8 | 10.5 | 4.1 | 3.7 |
By job category | ||||
Senior management | 9 | 13.5 | 3.5 | 3.2 |
Middle management | 7.5 | 10.7 | 4.2 | 3.1 |
Staff | 7.3 | 7.4 | 3.7 | 4.4 |
Health and Safety | ||||
Percentage of total labor force represented in official health and safety committees | 3 | 3 | 7 | 7 |
Procurement | ||||
Number of suppliers | 216 | 297 | 150 | 175 |
Number of local suppliers | 43 | 200 | 130 | 160 |
Total purchases (millions JOD) | 9 | 25 | 16 | 28 |
Total expenditure on purchases from local suppliers (millions JOD) | 1 | 20 | 12 | 22 |
Percentage of expenditure on local suppliers | 12 | 80 | 75 | 80 |
Internal Volunteering Program | ||||
Volunteering hours | 420 | 1,368 | 268 | 349 |
Number of volunteers | 175 | 432 | 173 | 163 |
Number of events | 18 | 25 | 12 | 21 |
Our Environmental Performance:
Energy Consumption | 2018 | 2019 | 2020 | 2021 |
---|---|---|---|---|
Electricity consumption (kWh) | 2,495,114 | 2,129, 046 | 2,053,522 | 2,142,319 |
Electricity consumption (GJ) | 8,982.41 | 7,664.57 | 7,392.68 | 7,712.35 |
Non-renewable energy consumption (liters) (Diesel and Fuel) | 36,550 | 33,475 | 25,062 | 31,677 |
Non-renewable energy consumption (GJ) (Diesel and Fuel) | 1,329.64 | 1,217.78 | 859.06 | 1,078.06 |
Total heat consumption (liters) | 10,794 | 22,128 | 36,500 | 36,264 |
Direct GHG emissions (Scope 1) (CO2 equivalent) | 97.808 | 81.901 | 80.49 | 83.97 |
Indirect GHG emissions (Scope 2) (CO2 equivalent) | 1,684.61 | 1,441.77 | 1,390.62 | 1,450.76 |
Energy Intensity* | 2,051.90 | 1,795.14 | 1,796 | 1,976 |
Paper Consumption (kg) | 84,188 | 80,411 | 57,672 | 61,629 |