Circular No. 23/14914: Submission of Data on Facilities Granted to Individuals Including Housing Loans

In the name of Allah, the Most Gracious, the Most Merciful

[Logo of the Central Bank of Jordan]

No.: 14914/2/23
Date: 21/5/1437 AH
Corresponding to: 2/3/2015 AD

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, please provide us with the data shown in the attached schedules for the period from the end of 2010 to the end of the first half of 2015. This data must reach us within a maximum period of two weeks from the date hereof, with the continuation of providing it annually within a maximum period of the end of January of each year.

Please accept our highest respect,

Governor
Dr. Ziad Fries

Enclosed

Form (1/1/11)
P.O. Box 37 Amman 11118 Jordan • Tel: 4630301 • Fax: 4638889, 4639730, 4639731 • E-mail: info@cbj.gov.jo • Website: www.cbj.gov.jo

*

Schedule No. 1: Facilities Granted to the Individual Sector Including Housing Loans

Item	Dec-2010	Dec-2011	Dec-2012	Dec-2013	Dec-2014	Jun-2015
Bank Name:
1	Salary Transfer Facilities
2	Personal Guarantee Facilities
3	Real Estate Collateral Facilities
4	Other Collateral Facilities
5	Non-performing Debt Ratio to Individual Sector Facilities*
6	Average Borrower Age
7	Average Number of Borrower Family Members
8	Average Borrower Family Income
9	Average Interest Rate on Individual Sector Facilities
10	Number of Individual Sector Facility Clients
11	More than 10 years
12	5 - 10 years
13	3 - 5 years
14	1 - 3 years
15	Less than one year
16	Distribution of Facilities Granted to the Individual Sector by Original Maturity Period
17	Volume of Facilities Granted to the Individual Sector where Debt Burden (DBR) exceeds 50%
18	Actual Average Debt Burden (DBR) Ratio if the client is a borrower and guarantor
19	Actual Average Debt Burden (DBR) Ratio if the client is a borrower only
20	Upper Limit of Debt Burden (DBR) Ratio if the client is a borrower only according to the bank's approved credit policy
21	Upper Limit of Debt Burden (DBR) Ratio if the client is a borrower and guarantor according to the bank's approved credit policy

• After deducting suspended interest from the loan from the numerator and denominator of the ratio
  Note: Please provide us with this schedule via email to the Financial Supervision Department at the Central Bank of Jordan fstab@cbj.gov.jo in addition to regular mail, and if there are any inquiries, please contact Mr. Rami Abdul Hady at tel 4630301 ext 2597 or Dr. Zaid Al-Qasrawi at tel 4630301 ext 3800

*

Schedule No. 2: Details of Facilities Granted to the Individual Sector Including Housing Loans

Item	Loan Type	Dec-2010	Dec-2011	Dec-2012	Dec-2013	Dec-2014	Jun-2015
Bank Name:
1	Consumer Facilities*
	Number of Clients
	Average Interest Rate
	Average Original Maturity Period
	Non-performing Debt Ratio
2	Personal Loans
	Number of Clients
	Average Interest Rate
	Average Original Maturity Period
	Non-performing Debt Ratio
3	Auto Loans
	Number of Clients
	Average Interest Rate
	Average Original Maturity Period
	Non-performing Debt Ratio
4	Housing Loans
	Number of Clients
	Average Interest Rate
	Average Original Maturity Period
	Non-performing Debt Ratio
5	Credit Cards
	Number of Clients
	Average Interest Rate
	Non-performing Debt Ratio

• Includes durable goods loans, education loans, health loans, or any other individual loans not included in classifications (2-4)
  After deducting suspended interest from the loan from the numerator and denominator of the ratio Note: Please provide us with this schedule via email to the Financial Supervision Department at the Central Bank of Jordan fstab@cbj.gov.jo in addition to regular mail, and if there are any inquiries, please contact Mr. Rami Abdul Hady at tel 4630301 ext 2597 or Dr. Zaid Al-Qasrawi at tel 4630301 ext 3800