Central Bank of Jordan Circular on Individual Debt and Facility Data Reporting

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Reference No.: 23/ 3224
Date: 8 / 1 / 2024 AD
Corresponding to: 1445 / / AH

Circular to Licensed Banks

Greetings,

Based on the provisions of Article (45/A) of the Central Bank of Jordan Law No. (23) of 1971 and its amendments, you are requested to provide us with detailed data regarding individual indebtedness and facilities granted by banks in general, as shown in the attached statements, on a quarterly basis starting from the Q1/2024 data. These data must be sent to us via the email address of the Financial Stability Department at the Central Bank of Jordan (Fstab@cbj.gov.jo) as well as by regular mail within a maximum period of two weeks from the data date.

This circular replaces Circular No. (15009/2/23) dated 20/11/2016 and Circular No. (14914/2/23) dated 03/12/2015, both concerning individual debt data.

Please accept our highest regards,

The Governor
Dr. Adel Al-Sharkas

• Enclosed

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New Circular on Individual Sector Debt and Facilities in General at Banks Operating in Jordan

• Data should be at the level of bank branches in Jordan and filled in thousands of Dinars.
• This statement is sent via the email address of the Financial Stability Department at the Central Bank of Jordan: Fstab@cbj.gov.jo and a copy to the following emails: Hatem.alkurdi@cbj.gov.jo & Dua.alshuwater@cbj.gov.jo, in addition to regular mail.
• For any inquiries, please contact the Financial Stability Department at phone number 4630301 ext. (2909).
• Commit to filling in all required numbers and percentages without leaving any fields blank and submit it on a quarterly basis.
• "Other Individual Loans" must include all individual loans not classified under a specific item, including loans granted to employees.
• Totals in all tables of the circular for the same item must match.

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Table (1): Details of Total Individual Facilities (all types)* (Date: )

Item	Value
Total value of individual facilities
Number of individual facilities
Average interest rate (annual) on individual facilities
Total value of individual facilities with variable interest rate
Total value of individual facilities with fixed interest rate
Number of individual facilities with variable interest rate
Number of individual facilities with fixed interest rate
Average number of borrower's family members (in Jordanian Dinar)
Average borrower income
Volume of non-performing debts (without suspended interest) in individual facilities
Percentage of non-performing debts (without suspended interest) in individual facilities
Volume of impairment provisions against non-performing individual facilities
Distribution of facilities granted to individuals according to collateral type:
Facilities against salary transfer
Facilities against real estate collateral
Facilities against other collateral

*Individual facilities refer to facilities granted to individuals for consumption purposes such as housing loans, personal loans, car loans, or educational loans, etc. Facilities granted to individuals for commercial or production purposes must be classified under micro, small, or medium enterprise facilities.

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Table (1/1): Total Housing Loans Granted to Individuals (Date: )

Item	Value
Total value of housing loans granted to individuals (for residential purposes)
Of which housing loans for purchasing ready houses
Total value of housing loans with variable interest rate
Total value of housing loans with fixed interest rate
Number of housing loans with variable interest rate
Number of housing loans with fixed interest rate
Average interest rate on housing loans (annual)
Volume of non-performing debts (without suspended interest) for housing loans
Percentage of non-performing debts (without suspended interest) for housing loans
Volume of monitored debts in housing loans
Average original maturity period of housing loans (in years)

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Table (2/1): Total Personal Loans Granted to Individuals (Date: )

Item	Value
Total value of personal loans granted to individuals
Total value of personal loans with variable interest rate
Total value of personal loans with fixed interest rate
Number of personal loans with variable interest rate
Number of personal loans with fixed interest rate
Average interest rate on personal loans (annual)
Volume of non-performing debts (without suspended interest) in personal loans
Percentage of non-performing debts (without suspended interest) in personal loans
Volume of monitored debts in personal loans
Average original maturity period of personal loans (in years)

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Table (3/1): Total Car Loans Granted to Individuals (Date: )

Item	Value
Total value of car loans granted to individuals
Total value of car loans with variable interest rate
Total value of car loans with fixed interest rate
Number of car loans with variable interest rate
Number of car loans with fixed interest rate
Average interest rate on car loans (annual)
Volume of non-performing debts (without suspended interest) for car loans
Percentage of non-performing debts (without suspended interest) for car loans
Volume of monitored debts in car loans
Average original maturity period of car loans (in years)

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Table (4/1): Total Consumer Loans Granted to Individuals (Date: )

Item	Value
Total value of consumer loans granted to individuals
Total value of consumer loans with variable interest rate
Total value of consumer loans with fixed interest rate
Number of consumer loans with variable interest rate
Number of consumer loans with fixed interest rate
Average interest rate on consumer loans (annual)
Volume of non-performing debts (without suspended interest) for consumer loans
Percentage of non-performing debts (without suspended interest) for consumer loans
Volume of monitored debts in consumer loans
Average original maturity period of consumer loans (in years)

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Table (5/1): Credit Cards Granted to Individuals (Date: )

Item	Value
Total value of credit cards granted to individuals
Number of credit cards
Average interest rate on credit cards (annual)
Percentage of non-performing debts for credit cards

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Table (6/1): Total Loans for Services Granted to Individuals* (Date: )

Item	Value
Total value of loans for services granted to individuals
Total value of loans for services with variable interest rate
Total value of loans for services with fixed interest rate
Number of loans for services with variable interest rate
Number of loans for services with fixed interest rate
Average interest rate on loans for services (annual)
Volume of non-performing debts (without suspended interest) for loans for services
Percentage of non-performing debts (without suspended interest) for loans for services
Volume of monitored debts in loans for services
Average original maturity period of loans for services (in years)

*Loans for individuals granted for services refer to loans granted to individuals for medical, educational, tourism, travel, or any other service purposes.

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Table (7/1): Total Other Loans Granted to Individuals* (Date: )

Item	Value
Total value of other loans granted to individuals
Total value of other loans with variable interest rate
Total value of other loans with fixed interest rate
Number of other loans with variable interest rate
Number of other loans with fixed interest rate
Average interest rate on other loans (annual)
Volume of non-performing debts (without suspended interest) for other loans
Percentage of non-performing debts (without suspended interest) for other loans
Volume of monitored debts in other loans
Average original maturity period of other loans (in years)

*Other loans: These are individual loans that do not fall under the main types of individual facilities listed in this circular's statements. Other loans should be very limited, as high values indicate the bank's weakness in identifying the type and purpose of the facilities.

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Table (2): Distribution of Individual Facilities by Gender (Date: )

Item	Value
Total value of individual facilities granted to males
Total value of individual facilities granted to females
Number of individual facilities granted to males
Number of individual facilities granted to females
Percentage of non-performing debts in male individual facilities
Percentage of non-performing debts in female individual facilities

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Table (3): Distribution of Facilities Granted by the Bank According to the Borrowing Entity (Date: )

Item	Value
Total facilities granted to large companies
Number of facilities granted to large companies
Average interest rate on facilities for large companies
Volume of non-performing debts (without suspended interest) on large company facilities
Percentage of non-performing debts (without suspended interest) on large company facilities
Volume of monitored debts in large company facilities
Average original maturity period of facilities for large companies (in years)
Total facilities granted to medium companies
Number of facilities granted to medium companies
Average interest rate on facilities for medium companies
Volume of non-performing debts (without suspended interest) on medium company facilities
Percentage of non-performing debts (without suspended interest) on medium company facilities
Volume of monitored debts in medium company facilities
Average original maturity period of facilities for medium companies (in years)
Total facilities granted to small companies
Number of facilities granted to small companies
Average interest rate on facilities for small companies
Volume of non-performing debts (without suspended interest) on small company facilities
Percentage of non-performing debts (without suspended interest) on small company facilities
Volume of monitored debts in small company facilities
Average original maturity period of facilities for small companies (in years)
Total facilities granted to micro companies*
Number of facilities granted to micro companies
Average interest rate on facilities for micro companies
Volume of non-performing debts (without suspended interest) on micro company facilities
Percentage of non-performing debts (without suspended interest) on micro company facilities
Volume of monitored debts in micro company facilities
Average original maturity period of facilities for micro companies (in years)

*Micro companies: Companies whose assets or sales are less than (100,000) Dinars and have fewer than 5 employees.

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Table (4): Details of Facilities and Corresponding Collateral (Date: )

Item	Value of Facilities	Value of Collateral
Total value of facilities
Housing loans for purchasing ready houses
Housing loans for building houses
Loans for commercial real estate purposes
Retail loans
Car loans
Personal loans
Consumer loans
Loans for services
Credit cards
Other loans
Value of facilities granted to large companies
Value of facilities granted to medium-sized companies
Value of facilities granted to small-sized companies
Value of facilities granted to micro companies
Value of facilities granted to the government and public sector
Other

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Table (5): Details of Debt Burden Ratio (DBR) Data (Date: )

Item	Value
Upper limit of Debt Burden Ratio (DBR) if the client is a borrower only according to the bank's approved credit policy
Upper limit of Debt Burden Ratio (DBR) if the client is a borrower and guarantor
Actual average Debt Burden Ratio (DBR) if the client is a borrower and guarantor
Upper limit of Debt Burden Ratio (DBR) for new borrowers (individuals who borrowed from the bank during the quarter to which the data refers)
Actual average Debt Burden Ratio (DBR) according to borrower income:
Borrower income up to 500 Dinars
Borrower income more than 500 to 1000 Dinars
Borrower income more than 1000 to 1500 Dinars
Borrower income more than 1500 to 2000 Dinars
Borrower income more than 2000 Dinars
Actual average Debt Burden Ratio (DBR) according to borrower income:
Borrower income up to 500 Dinars
Borrower income more than 500 to 1000 Dinars
Borrower income more than 1000 to 1500 Dinars
Borrower income more than 1500 to 2000 Dinars
Borrower income more than 2000 Dinars
Volume of facilities granted to individuals where the Debt Burden Ratio (DBR) exceeds (50%)

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Table (6): Details of Loan-to-Value Ratio (LTV) (Date: )

Item	Value
Upper limit of Loan-to-Value Ratio (LTV) for mortgaged real estate for individual housing loans
Upper limit of Loan-to-Value Ratio (LTV) for mortgaged real estate for commercial real estate loans
Actual average Loan-to-Value Ratio (LTV) for mortgaged real estate for individual housing loans
Actual average Loan-to-Value Ratio (LTV) for mortgaged real estate for new commercial real estate loans
Actual average Loan-to-Value Ratio (LTV) for mortgaged real estate for new individual housing loans granted during the quarter to which the data refers

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