Financial Highlights

FH Financial Highlights (Consolidated) 2012 2013* 2014* 2015 2016 2017
EARNINGS
Net Interest Income **  128,677  128,399  145,590  198,442  245,372  196,638
Non-Interest Income  114,757  138,021  130,839  125,644  115,626  99,429
Total Operating Income  243,434  266,420  276,429  324,086  360,998  296,067
Profit for the year  72,230  83,706  73,324  61,697  38,099  32,614
Dividend  36,300  75,625  –  30,945  18,170
Financial Position
Total Assets  3,722,065  4,089,656  4,845,830  5,041,851  4,412,343  4,564,839
Due from Banks  1,053,635  1,093,081  931,457  1,278,043  777,395  701,032
Investments  692,420  889,776  1,542,486  1,253,228  1,191,550  1,108,143
Loans & Advances (net)  1,457,080  1,503,802  2,078,689  2,303,723  2,233,545  2,509,171
Customer Deposits  1,803,671  2,307,020  2,940,611  2,557,580  2,119,628  2,153,402
Due to Banks / Borrowings  289,985  207,528  254,379  550,807  327,175  411,075
Shareholders’ equity  651,058  688,046  682,378  954,185  953,752  903,199
Ratios Earnings
Return on equity (%)  11.1  12.2  10.7  6.5  4.0  3.6
Return on average assets (%)  2.0  2.1  1.6  1.2  0.8  0.7
Earnings per share – Basic (AED)  0.23  0.28  0.22  0.20  0.05  0.03
Cost
Cost to Income (%)  55.4  54.0  62.5  57.6  55.7  71.3
Capital
Debt to Equity (times)  0.20  0.19  0.19  0.10  0.04  0.06
Total Liabilities to Shareholders’ Equity (times)  4.72  4.90  6.06  4.25  3.59  4.05
Capital Adequacy Ratio (%)  26.6  24.6  20.6  23.3  24.6  22.4

2015 Covers 17 months (inception to 31 December 2005)

* Restated

** Includes income from Islamic financing and investing assets



Data for ratios
 Amount in AED’ 000, unless otherwise specified
 Total operating expenses  134,841  143,832  172,902  186,668  201,129  210,994
 Total Debt  129,000  126,300  100,000  37,500  50,000
 Total Liabilities  3,071,007  3,371,708  4,133,550  4,057,764  3,428,689  3,661,640

Dividend are we suppose to add it wasn’t added last year.

Customer deposit number, total debt number