Annual Report 2011 - Jordan Investment and Finance bank

92ScheduledDebts:These debts are debts previously classified as non-performing credit facilitiesbut taken out therefrom according to proper scheduling. They have beenclassified as “debts under control” and amounted to JD 14,895,919 as ofDecember 31, 2011 (against JD 34,177,132 for the year 2010).Restructured Debts:Restructuring means rearranging credit facilities installments throughincreasing their duration, postponing some installments, or increasing thegrace period. Restructured debts amounted to JD 17,334,040 as of December31, 2011 (against JD 28,217,873 for the year 2010).3. Bonds, Bills, and DebenturesThe following table illustrates the classification of bonds, bills, and debenturesaccording to external rating institutions:4. Credit Risk Exposure According to Geographical Areas:Balances at banks and financial institutionsDeposits at banks and financial institutionsCredit facilities:IndividualsReal estate loansCompanies :Large companiesSmall and medium institutionsGovernment and PublicSectorBonds, bills, and debentures:Financial assets at fair valueThrough profit or lossFinancial assets at amortized costFinancial derivatives instrumentsOther assetsTotal for the current yearTotal for the comparative figures* Excluding Middle East Countries30,665,2192,127,00034,570,02454,171,705236,585,06323,790,608891,122618,829143,208,7434,3802,944,729563,595,328548,451,935Balances at Central Bank34,017,906Item Inside Jordan93Rating GradeRatingInstitutionWithin Financial Assetsat Fair Value throughProfit or LossWithin FinancialAssets atAmortized CostTotal4,080,0512,920,933---2,112,429------808,504-CountriesMiddle EastJD JD JDBBUnclassifiedGovernmentalS&P 596,9213,949,081-4,546,002-12,047,506131,161,237143,208,743596,92115,996,587131,161,237147,754,74544,618,576 214,722 10,314,242 379,453 608,510,520----------28,358,121 36,298 17,298,839 5,571,410 617,780,929---2,944,729---4,380---143,208,743--1,814,744 4,546,002---891,122---23,790,608---236,585,063---54,171,705---34,570,0241,241,697 -121,827 451,541 3,942,06527,116,424 36,298 17,177,012 3,305,125 79,108,582---34,017,906OtherEurope Asia * America TotalCountries