Jordan Facts & Figures 2016

JORDAN FACTS & FIGURES 2016 JORDAN FACTS AND FIGURES 2016

Geography Surface (in sqkm) 89,342 o.w. Land area 88,802 o.w. Water area 540 Land boundaries' length (in km) 1,635 Coastline length (in km) 26 Maximum altitude: Um Dami Mount (in m) 1,854 Lowest point: Dead Sea (in m) -416 Demography Population (in millions) 6.98 Population annual growth rate (2006-2016) 2.2% Population under 15 years (% of total population) 36% Population density (per sqkm) 0.08 Urban population (% of total population) 84% Unemployment rate 13.1% Life expectancy at birth 74 Infant mortality rate (per 1,000 live births) 15 Human Development Index (UNDP) 0.741 Education Adult literacy rate Male 98% Female 97% Primary and secondary education Number of students (000s) 1,877 Number of schools 6,802 Number of teachers (000s) 117 Health Number of hospitals 110 Number of beds 13,731 Number of beds (per 10,000 people) 14 Number of pharmacists (per 10,000 people) 15.5 Number of nurses (per 10,000 people) 26.4 Technology Diffusion Number of telephone mainlines (per 100 people) 4.8 Number of cellular subscribers (per 100 people) 179.4 Number of internet users (per 100 people) 53.4 Number of broadband subscribers (per 100 people) 4.2 Infrastructure (in Km) Highway length (paved) 7,203 Railway length 507 Port Al-Aqaba General Currency Jordanian Dinar Official language Arabic, English (widely understood) Number of governorates 12 2014 2015 2016

Macroeconomic Indicators GDP (US$ million) 35,877 37,570 38,709 o.w. Agriculture 3.3% 3.7% 3.8% o.w. Mining and quarrying 2.7% 2.9% 2.4% o.w. Manufacturing 16.7% 16.3% 16.0% o.w. Electricity and water 2.3% 2.6% 2.8% o.w. Construction 4.5% 4.4% 4.4% o.w. Services 70.5% 70.2% 70.7% Real GDP growth rate 3.1% 2.4% 2.0% GDP per capita (US$) 5,375 5,506 5,554 Agriculture (US$ million) Annual value added in agriculture 1,192 1,382 1,466 Bank loans to agriculture 343 306 429 Agricultural exports 1,375 1,304 1,048 CPI, food items 0.2% 1.3% -3.8% Industry (US$ million) Annual value added in industry 6,955 7,211 7,117 Potash production (000s of tons) 2,086 2,355 2,003 Phosphate production (000s of tons) 7,109 8,264 7,989 Bank loans to industry 3,847 3,267 3,108 Industrial exports 5,907 5,462 5,114 Industrial exports/Total exports 81.1% 80.7% 83.0% Energy Electricity production (millions kWh) 8,148 6,557 4,536 Petroleum products (000s of tons) 3,007 3,212 2,793 CPI, fuels and electricity -0.2% -13.3% -4.5% Construction (US$ million) Annual value added in construction 1,608 1,636 1,687 Bank loans to construction 6,421 6,917 8,220 Clinker production (000s of tons) 865 653 575 Number of construction permits 39,578 35,775 39,410 o.w. Irbid 11,790 11,153 11,840 o.w. Amman 10,238 8,918 8,545 o.w. Zarqa 3,574 3,242 3,892 o.w. Other 13,976 12,462 15,133 CPI, housing 4.8% 0.6% 1.2% 2014 2015 2016

Services (US$ million) Annual value added in services 22,741 23,770 24,735 o.w. Producers of government services 31.5% 31.3% 30.7% o.w. Finance, insurance, real estate & business services 28.0% 28.5% 29.0% o.w. Transport & communication 18.5% 18.5% 18.7% o.w. Trade, restaurants and hotels 15.1% 14.7% 14.5% Bank loans to general trade 5,196 5,478 5,748 Foreign trade 28,777 26,035 24,576 Merchandise at Al-Aqaba Port (in 000s of tons)* 19,045 18,382 17,381 Number of passengers at Al-Aqaba Port (in 000s)* 541 501 432 Number of vessels at Al-Aqaba Port* 2,269 2,244 2,012 Corporate Sector Number of registered companies by economic activity 7,521 6,337 7,061 o.w. Industry 2,179 1,891 2,455 o.w. Services 2,660 2,222 2,301 o.w. Trade 1,707 1,356 1,374 o.w. Agriculture 751 720 810 o.w. Construction 224 148 121 Foreign Trade Imports (US$ million) 20,380 18,191 17,056 Exports (US$ million) 8,397 7,844 7,520 Exports/Imports 41.2% 43.1% 44.1% Exports to main trade partners United States 18.0% 20.9% 23.8% Saudi Arabia 13.7% 16.4% 14.8% India 8.9% 8.7% 7.9% Iraq 16.0% 10.3% 7.6% United Arab Emirates 3.9% 4.8% 5.4% Kuwait 2.4% 4.4% 5.3% Imports from main trade partners China 10.5% 12.9% 14.0% Saudi Arabia 19.5% 15.0% 12.1% United States 5.8% 6.2% 7.0% Germany 3.9% 4.6% 4.6% UAE 4.8% 4.1% 4.6% Turkey 3.7% 3.7% 3.5% Main export products Clothes 17.6% 20.4% 23.0% Medical and pharmaceutical products 8.2% 8.3% 10.7% Phosphates 6.4% 7.7% 7.1% Vegetables 8.9% 8.3% 7.0% Potash 8.2% 9.1% 6.9% Fertilizers 5.9% 3.2% 3.0% * 10-month annualized figures for 2016. 2014 2015 2016

Foreign Trade Main import products Transport equipments and spare parts 7.5% 9.3% 11.1% Crude oil 10.1% 6.4% 4.8% Textile yarn, fabrics, made-up articles 3.7% 4.1% 4.5% Petroleum products 15.0% 6.8% 4.2% Electrical Machinery 2.1% 3.1% 3.4% Iron and steel 3.2% 3.2% 3.3% Balance of Payments (US$ million) Current account -2,612 -3,411 -3,611 Trade balance (net) -11,983 -10,347 -9,537 Services account 2,509 1,743 1,478 Income account -417 -433 -305 Current transfers (net) 7,279 5,627 4,753 Capital and financial account 1,529 2,744 3,154 Net errors and omissions 1,083 667 457 Public Finance (US$ million) Total revenues & grants 10,250 9,587 9,971 o.w. Tax revenues 5,694 5,779 6,000 Total expenditures 11,073 10,892 11,210 o.w. Interest payments 1,306 1,290 1,178 Fiscal balance (including grants) -823 -1,306 -1,239 Total gross debt 31,948 35,087 36,802 o.w. Gross domestic debt 20,622 21,842 22,276 o.w. External debt 11,326 13,245 14,526 Total revenues/Total expenditures 92.6% 88.0% 88.9% Fiscal balance/Total expenditures -7.4% -12.0% -11.1% Fiscal balance/GDP -2.3% -3.5% -3.2% External debt/Total gross debt 35.5% 37.7% 39.5% Total gross debt/GDP 89.0% 93.4% 95.1% Monetary Situation (US$ million) M1 (currency + demand deposits in JD) 13,020 13,935 14,650 Quasi-money 28,220 30,641 31,719 M2 (M1 + quasi-money in JD) 41,241 44,576 46,369 Counterparts of M2 Net foreign assets 11,188 11,477 12,476 Net claims on public sector 15,309 16,558 15,513 Claims on private sector (resident) 25,180 26,381 29,041 Claims on financial institutions 236 234 395 Net other items -10,672 -10,073 -11,055 2014 2015 2016

Monetary Situation (US$ million) Average weighted interest rates On licensed bank deposits Demand deposits 0.43% 0.32% 0.26% Saving deposits 0.79% 0.62% 0.56% Time deposits 4.11% 3.06% 3.04% On licensed bank credit facilities Loans and advances 8.84% 8.24% 7.83% Discounted bills & bonds 9.95% 8.70% 10.42% Prices Consumer price index 2.9% -0.9% -0.8% US$/JD exchange rate (year-end) 1.4104 1.4104 1.4104 Jordanian Stock Market (US$ million) Stock market capitalization 25,504 25,366 24,455 Stock market capitalization/GDP 71.1% 67.5% 63.2% Trading value 3,192 4,819 3,285 Trading value/Market capitalization 12.5% 19.0% 13.4% Number of listed companies 236 228 224 Change in share price index -2.3% -0.2% -3.8% P/E ratio (times) 15.3x 14.0x 16.5x P/BV ratio (times) 1.3x 1.3x 1.2x Stock Market Capitalization by Sector Financial sector 60.8% 61.9% 63.8% Industrial sector 20.4% 20.3% 20.4% Services sector 18.7% 17.8% 15.8% TOP LISTED COMPANIES BY MARKET CAPITALIZATION (US$ MILLION)

) Arab Bank 5,704 5,830 5,576 The Housing Bank for Trade & Finance 3,234 3,359 3,306 The Arab Potash 2,292 2,468 2,254 Al-Eqbal Investment Company 410 614 1,056 Jordan Islamic Bank 779 751 817 Bank of Jordan 580 569 812 Jordan Telecom 1,238 1,238 611 Jordan Kuwait Bank 605 578 556 Jordan Petroleum refinery 392 450 482 Cairo Amman Bank 506 575 470 2014 2015 2016

Banking System Number of banks 25 25 - Number of branches 767 785 - Activity highlights (US$ million) Total assets 63,282 66,477 68,240 Total deposits 42,680 45,977 46,402 Total loans 27,185 29,764 32,306 Total capital accounts & allowances 9,554 10,025 10,241 Key ratios Assets/GDP 176.4% 176.9% 176.3% Deposits/GDP 119.0% 122.4% 119.9% Residents per branch 8,703 8,693 - Deposits per capita (US$) 6,394 6,738 6,652 Asset growth 4.8% 5.0% 2.7% Deposit growth 9.7% 7.7% 0.9% Loan growth 1.8% 9.5% 8.5% FC assets/Total assets 19.5% 18.9% 20.2% FC deposits/Total deposits 20.6% 20.2% 21.1% Total loans/Total deposits 63.7% 64.7% 69.6% Capital accounts & allowances/Total assets 15.1% 15.1% 15.0% TOP 10 BANKS BY ASSETS (US$ BILLION)

) Arab Bank Group 48.2 49.0 47.5 Housing Bank for Trade & Finance 10.7 11.2 11.0 Jordan Islamic Bank 5.0 5.4 5.8 Jordan Ahli Bank 3.3 3.5 4.0 Jordan Kuwait Bank 3.7 4.0 3.9 Bank al Etihad 3.2 3.4 3.6 Cairo Amman Bank 3.3 3.6 3.5 Bank of Jordan 3.1 3.1 3.3 Capital Bank of Jordan 2.9 2.8 - Arab Jordan Investment Bank 2.5 2.5 2.5 JORDAN TAJ MALL Taj Mall, Market Level No.2, Prince Hashem Street, Amman. Bank Audi sal - Tel: (962-6) 5924261. Fax: (962-6) 5924385. Jordan Branches Member of the Association of Banks JABAL HUSSEIN in Jordan Al-Husseini Center, Khaled Ben Walid Street, List of Banks No. 47 Firas Circle, Jabal Hussein, Amman. C.R. 704 Amman Tel: (962-6) 5605252. Fax: (962-6) 5604242. Capital: JD 50,000,000 fully paid (as at 31/12/2016) SWEIFIEH Owners’ equity: JD 104,188,135 Al Yanbouh Center, Abd El-Rahim Al-Hajj (as at 31/12/2016) Mohamad Street, Sweifieh, Amman. Tel: (962-6) 5865432. Fax: (962-6) 5853185. HEADQUARTERS Bldg. 26, Suleiman Al-Nabulsi Street, ABDOUN Moussa Nakho Complex, Queen Zain Abdali, Amman. Al-Sharaf Street, Abdoun, Amman. P.O. Box 840006 Amman. 11184, Jordan. Tel: (962-6) 5935597. Fax: (962-6) 5935598. Tel: (962-6) 4604000. Fax: (962-6) 4680015. E-mail: [email protected] AL-MADINA AL-MOUNAWARA STREET bankaudi.com.jo Al-Ameer Complex, Al-Madina Al-Mounawara Street, Amman. Branches Tel: (962-6) 5563850. Fax: (962-6) 5563851.

ABDALI (MAIN BRANCH) WADI SAQRA Bldg. 26, Suleiman Al-Nabulsi Street, Saqra Complex, Wadi Saqra Street, Amman. Abdali, Amman. Tel: (962-6) 5672227. Fax: (962-6) 5652321. Tel: (962-6) 4604010. Fax: (962-6) 5604719. DABOUQ SHMEISSANI Bldg. 179, King Abdullah II Street, Amman. Salah Center, Al-Shareef Abdul Hameed Tel: (962-6) 5333305. Fax: (962-6) 5332704. Sharaf Street, Shmeissani, Amman. Tel: (962-6) 5606020. Fax: (962-6) 5604545. IRBID Al Busoul Complex, Feras Al Ajlouni Street, ZAHRAN Al Qubbeh Circle, Irbid. th Bldg. 213, Zahran Street, 6 Circle, Tel: (962-2) 7261550. Fax: (962-2) 7261660. opposite Emmar Towers, Amman. Tel: (962-6) 4648834. Fax: (962-6) 4648835. AQABA Dream Mall, Sharif Hussein Bin Ali Street, LE ROYAL HOTEL Aqaba. Le Royal Hotel Complex, Zahran Street, Tel: (962-3) 2063200. Fax: (962-3) 2063201. 3rd Circle, Jabal Amman, Amman. Tel: (962-6) 4604004. Fax: (962-6) 4680010.

MECCA MALL Mecca Mall Complex (Extension – Gate # 4 – 2nd Floor), Mecca Street, Amman. Tel: (962-6) 5518736. Fax: (962-6) 5542175. LEBANON SOLIFAC sal Zen Building, Charles Malek Avenue, Bank Audi sal Ashrafieh. Bank Audi Plaza, Bab Idriss. P.O. Box: 11-1121 Beirut - Lebanon. P.O. Box 11-2560 Beirut - Lebanon Tel: (961-1) 209200. Fax: (961-1) 209205. Tel: (961-1) 994000. Fax: (961-1) 990555. Customer helpline: (961-4) 727777. SWITZERLAND Swift: AUDBLBBX. E-mail: [email protected] Banque Audi (Suisse) sa bankaudigroup.com 18, Cours des Bastions. P.O. Box: 384. 1211 Geneva 12, Switzerland. COUNTRY MANAGEMENT Tel: (41-22) 704 11 11. LEBANON Fax: (41-22) 704 11 00. Bank Audi Palladium, Bab Idriss. E-mail: [email protected] P.O. Box: 11-2560 Beirut – Lebanon. bankaudipb.com Tel: (961-1) 994000. Fax: (961-1) 990555. Customer helpline: (961-4) 727777. Beirut Swift: AUDBLBBX. Representative Office E-mail: [email protected] Bank Audi Plaza, Bab Idriss. bankaudi.com.lb P.O. Box: 11-2666 Beirut - Lebanon. Tel: (961-1) 977 544. Fax: (961-1) 980 535. M1 Building, Bab Idriss. P.O. Box: 11-2560 Beirut – Lebanon. FRANCE Tel: (961-1) 994000. Fax: (961-1) 990555. Customer helpline: (961-4) 727777. Bank Audi France sa Swift: AUDBLBBX. 73, Avenue des Champs-Elysées. E-mail: [email protected] 75008 Paris, France. bankaudi.com.lb Tel: (33-1) 53 83 50 00. Fax: (33-1) 42 56 09 74. Audi Investment E-mail: [email protected] Bank sal bankaudi.fr Bank Audi Plaza, Block B, Bab Idriss. IRAQ P.O. Box: 16-5110 Beirut - Lebanon. Tel: (961-1) 994000. Fax: (961-1) 999406. Bank Audi sal - E-mail: [email protected] bankaudigroup.com Iraq Branches Bank Audi Bldg., District 923, Al-Jadriya Audi Private Bank sal Main Street, Baghdad. P.O. Box 2080 Al-Jadriya, Iraq. Bank Audi Plaza, Block D, Bab Idriss, Beirut. Tel: (964-772) 9768900. P.O. Box: 11-1121 Beirut - Lebanon. E-mail: [email protected] Tel: (961-1) 954800, 954900. bankaudiiraq.com Fax: (961-1) 954880. E-mail: [email protected] bankaudipb.com EGYPT TURKEY Bank Audi sae Odea Bank A. . Pyramids Heights Office Park, Odea Bank A.Ş. headquarters, Levent 199, Cairo-Alexandria Desert Road, Km 22, Buyukdere Street, No. 199, Sixth of October City. Floors 33-39, 34394 P.O. Box 300 El Haram. Postal Code 12556. Tel: (20-2) 35343300. Fax: (20-2) 35362120. Sisli, Istanbul. E-mail: [email protected] Tel: (90-212) 3048444. bankaudi.com.eg Fax: (90-212) 3048445. E-mail: [email protected] SAUDI ARABIA odeabank.com.tr Audi Capital (KSA) cjsc UNITED ARAB EMIRATES Centria Bldg., 3rd Floor, 2908 Prince Mohammad Bin AbdulAziz Road (Tahlia). Bank Audi sal Postal Address: Unit No. 28, Representative Office Ar Riyadh 12241-6055. Etihad Towers, Tower 3, 15th Floor, P.O. Box: 250744 Riyadh 11391 Office 1503, Corniche Street. Kingdom of Saudi Arabia. P.O. Box 94409 Abu Dhabi, Tel: (966-11) 2199300. United Arab Emirates. Fax: (966-11) 4627942. Tel: (971-2) 6331180. Fax: (971-2) 6336044. E-mail: [email protected] E-mail: audicapital.com [email protected] bankaudipb.com QATAR

Bank Audi LLC Qatar Financial Centre Tower, 18th Floor, Diplomatic Area, West Bay. P.O. Box: 23270 Doha, Qatar. Tel: (974) 44967365. Fax: (974) 44967373. E-mail: [email protected] bankaudipb.com MONACO Audi Capital Gestion SAM Monte-Carlo Palace, 3-9 Boulevard des Moulins. MC - 98000 Monaco. Tel: (377) 97 97 65 11. Fax: (377) 97 97 65 19. E-mail: [email protected] bankaudipb.com RESEARCH DEPARTMENT BANK AUDI sal

Bank Audi Plaza, Bab Idriss P.O. Box 11-2560 Beirut - Lebanon Tel: (961-1) 994000. Fax (961-1) 985622. E-mail: [email protected] bankaudigroup.com

Sources

Central Bank of Jordan Jordanian Ministry of Education Jordanian Ministry of Health Amman Stock Exchange CIA World Fact Book International Monetary Fund UNDP World Bank