Annual Report 2011 - Jordan Investment and Finance bank

902.Credit exposures according to the degree of risk are categorized according to the following table:December 31, 2011Low riskAcceptable riskOf which is due:*within 30 daysfrom 31 to 60 daysUnder watchNon-performing:Below levelAllowance providedBad debtTotalIndividualsReal EstateLoansCompaniesLargeCompaniesSmall andMediumGovernment andPublic SectorBanksand OtherFinancialInstitutionsJD JD JD JD JDJD JD1,005,96330,969,426-27,783,1173,526,981194,507,4931,401,22319,599,507166,070,267--83,050,647172,004,434355,910,190102,96574,8962,594,929542,1851,370,1716,321,23642,803,91015,259235,09220,443,048374,8901,055,89811,225,54960,882,5025,776,8371,121,15148,195,834137,6335,403,66718,680,422270,452,03033,65978,5624,424,840196,056920,3914,548,51331,090,530------166,070,267------83,050,647Total5,928,7201,509,70175,658,6511,250,7648,750,12740,775,720654,349,886The following table breaks down the fair value of collaterals held as security for credit facilities:2011Gurantees against:Low riskAcceptable riskUnder watchNon-performing:Below levelAllowance providedBad debtTotalIndividualsReal EstateLoansCompaniesLargeCompaniesSmall andMediumGovernment andPublic SectorBanksand OtherFinancialInstitutionsJD JD JD JD JDJD1,005,96314,526,9661,692,979-41,647,11112,649,4603,526,98186,125,36831,596,5471,401,2235,633,258862,547---5,934,167147,932,70346,801,53375,8961,789,6522,011,58921,103,045489,667853,6941,523,64757,163,579516,8472,563,96411,027,741135,357,448-633,3898,255,63616,786,053----1,082,4105,840,69922,818,613230,410,12591Less: Impairment provisionLess: Interest in suspenseNetDecember 31, 2010Low riskAcceptable riskOf which is due:*within 30 daysfrom 31 to 60 days7,107,4521,167,20834,529,2505,541,1741,169,62354,171,70512,349,4671,934,111256,168,4526,317,682982,24023,790,608--166,070,267--83,050,647JD JD JD JD JDJD715,82434,819,669-44,374,8375,472,070134,222,984706,02866,201,941145,050,231-89,949,3073,209,54831,45176,13487,19165,131388,322151,421101,91820,917----31,315,7755,253,182617,780,929JD241,893,460282,828,979608,882313,603Of it:Cash marginsAccepted letters of guaranteeReal estateTrade stocksVehicles and equipmentTotal1,005,963-11,337,9873,906,4004,852,69521,103,045--57,163,579--57,163,5793,526,981-125,768,4564,365,4251,696,586135,357,4481,401,223-14,399,469-985,36116,786,053------5,934,167-208,669,4918,271,8257,534,642230,410,125Under watchNon-performing:2,227,60415,426,17146,856,0181,385,258--65,895,0512010Below level3,615,747714,5117,002,741---11,332,999Allowance providedBad debtTotalLess: Impairment provisionLess: Interest in suspenseNet827,7596,233,41448,440,0174,759,241786,76242,894,014312,3132,313,46163,141,2931,823,147289,01461,029,1321,340,42410,202,063205,096,3008,316,717959,500195,820,083158,6858,713,52677,165,4385,691,334915,89970,558,205--145,050,231--145,050,231--93,158,855--93,158,8552,639,18127,462,464632,052,13420,590,4392,951,175608,510,520* The whole debt balance becomes due when one of the installments or interest is due. Moreover, the overdraft account becomesdue whenever it exceeds the ceiling.Gurantees against:Low riskAcceptable riskUnder watchNon-performing:Below levelAllowance providedBad debtTotal715,82430,683,8601,692,9792,830,179625,7473,984,31040,532,899-41,647,11112,649,460533,689236,0941,714,61156,780,9655,472,07096,120,88240,703,1235,725,400875,4276,856,539155,753,441706,02853,318,3961,122,059-119,9586,457,98861,724,429-------6,893,922221,770,24956,167,6219,089,2681,857,22619,013,448314,791,734Of it:Cash margins715,824-5,472,070706,028-6,893,922Accepted letters of guarantee------Trade stocks17,401,193-8,039,510--25,440,703Real estate12,760,83156,780,965128,494,73253,622,395-251,658,923Vehicles and equipment9,655,051-13,747,1297,396,006-30,798,186Total40,532,89956,780,965155,753,44161,724,429-314,791,734