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 540Land boundaries' length (in km) 1,635Coastline length (in km) 26Maximum altitude: Um Dami Mount (in m) 1,854Lowest point: Dead Sea (in m) -416

Demography

Population (in millions) 6.98Population annual growth rate (2006-2016) 2.2%Population under 15 years (% of total population) 36%Population density (per sqkm) 0.08Urban population (% of total population) 84%Unemployment rate 13.1%Life expectancy at birth 74Infant mortality rate (per 1,000 live births) 15Human Development Index (UNDP) 0.741

Education

Adult literacy rate Male 98%Female 97%Primary and secondary educationNumber of students (000s) 1,877Number of schools 6,802Number of teachers (000s) 117

Health

Number of hospitals 110Number of beds 13,731Number of beds (per 10,000 people) 14Number of pharmacists (per 10,000 people) 15.5Number of nurses (per 10,000 people) 26.4

Technology Diffusion

Number of telephone mainlines (per 100 people) 4.8Number of cellular subscribers (per 100 people) 179.4Number of internet users (per 100 people) 53.4Number of broadband subscribers (per 100 people) 4.2

Infrastructure (in Km)

Highway length (paved) 7,203Railway length 507Port Al-Aqaba

General

Currency Jordanian DinarOfficial language Arabic, English (widely understood)Number of governorates 12

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$) 5,375 5,506 5,554Agriculture (US$ million)

Annual value added in agriculture 1,192 1,382 1,466Bank loans to agriculture 343 306 429Agricultural exports 1,375 1,304 1,048CPI, food items 0.2% 1.3% -3.8%Industry (US$ million)

Annual value added in industry 6,955 7,211 7,117Potash production (000s of tons) 2,086 2,355 2,003Phosphate production (000s of tons) 7,109 8,264 7,989Bank loans to industry 3,847 3,267 3,108Industrial exports 5,907 5,462 5,114Industrial exports/Total exports 81.1% 80.7% 83.0%Energy

Electricity production (millions kWh) 8,148 6,557 4,536Petroleum products (000s of tons) 3,007 3,212 2,793CPI, fuels and electricity -0.2% -13.3% -4.5%Construction (US$ million)

Annual value added in construction 1,608 1,636 1,687Bank loans to construction 6,421 6,917 8,220Clinker production (000s of tons) 865 653 575Number 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 15,133CPI, housing 4.8% 0.6% 1.2%

2014 2015 2016

* 10-month annualized figures for 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 5,748Foreign trade 28,777 26,035 24,576Merchandise at Al-Aqaba Port (in 000s of tons)* 19,045 18,382 17,381Number of passengers at Al-Aqaba Port (in 000s)* 541 501 432Number of vessels at Al-Aqaba Port* 2,269 2,244 2,012Corporate 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 121Foreign Trade

Imports (US$ million) 20,380 18,191 17,056Exports (US$ million) 8,397 7,844 7,520Exports/Imports 41.2% 43.1% 44.1%Exports to main trade partnersUnited 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 partnersChina 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 productsClothes 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%

2014 2015 2016

Foreign Trade

Main import productsTransport 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 -3,611Trade balance (net) -11,983 -10,347 -9,537Services account 2,509 1,743 1,478Income account -417 -433 -305Current transfers (net) 7,279 5,627 4,753Capital and financial account 1,529 2,744 3,154Net errors and omissions 1,083 667 457Public Finance (US$ million)

Total revenues & grants 10,250 9,587 9,971 o.w. Tax revenues 5,694 5,779 6,000Total expenditures 11,073 10,892 11,210 o.w. Interest payments 1,306 1,290 1,178Fiscal balance (including grants) -823 -1,306 -1,239Total 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 14,526Total 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 14,650Quasi-money 28,220 30,641 31,719M2 (M1 + quasi-money in JD) 41,241 44,576 46,369Counterparts of M2Net foreign assets 11,188 11,477 12,476Net claims on public sector 15,309 16,558 15,513Claims on private sector (resident) 25,180 26,381 29,041Claims on financial institutions 236 234 395Net other items -10,672 -10,073 -11,055

2014 2015 2016

Monetary Situation (US$ million)

Average weighted interest ratesOn licensed bank depositsDemand 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 facilitiesLoans 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$/JD exchange rate (year-end) 1.4104 1.4104 1.4104Jordanian Stock Market (US$ million)

Stock market capitalization 25,504 25,366 24,455Stock market capitalization/GDP 71.1% 67.5% 63.2%Trading value 3,192 4,819 3,285Trading value/Market capitalization 12.5% 19.0% 13.4%Number of listed companies 236 228 224Change in share price index -2.3% -0.2% -3.8%P/E ratio (times) 15.3x 14.0x 16.5xP/BV ratio (times) 1.3x 1.3x 1.2xStock 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%

2014 2015 2016

TOP LISTED COMPANIES BY MARKET CAPITALIZATION (US$ MILLION)

)

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

Banking System

Number of banks 25 25 -Number of branches 767 785 -Activity highlights (US$ million)Total assets 63,282 66,477 68,240Total deposits 42,680 45,977 46,402Total loans 27,185 29,764 32,306Total capital accounts & allowances 9,554 10,025 10,241Key ratiosAssets/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 6,652Asset 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%

2014 2015 2016

TOP 10 BANKS BY ASSETS (US$ BILLION)

)

Arab Bank Group 48.2 49.0 47.5Housing Bank for Trade & Finance 10.7 11.2 11.0Jordan Islamic Bank 5.0 5.4 5.8Jordan Ahli Bank 3.3 3.5 4.0Jordan Kuwait Bank 3.7 4.0 3.9Bank al Etihad 3.2 3.4 3.6Cairo Amman Bank 3.3 3.6 3.5Bank of Jordan 3.1 3.1 3.3Capital Bank of Jordan 2.9 2.8 -Arab Jordan Investment Bank 2.5 2.5 2.5

JORDAN

Bank Audi sal - Jordan BranchesMember of the Association of Banksin JordanList of Banks No. 47C.R. 704 AmmanCapital: JD 50,000,000 fully paid (as at 31/12/2016)Owners’ equity: JD 104,188,135 (as at 31/12/2016)

HEADQUARTERSBldg. 26, Suleiman Al-Nabulsi Street, Abdali, Amman.P.O. Box 840006 Amman. 11184, Jordan.Tel: (962-6) 4604000. Fax: (962-6) 4680015.E-mail: contactus@bankaudi.com.jobankaudi.com.jo

BranchesABDALI (MAIN BRANCH) Bldg. 26, Suleiman Al-Nabulsi Street, Abdali, Amman.Tel: (962-6) 4604010. Fax: (962-6) 5604719.

SHMEISSANI Salah Center, Al-Shareef Abdul Hameed Sharaf Street, Shmeissani, Amman.Tel: (962-6) 5606020. Fax: (962-6) 5604545.

ZAHRAN Bldg. 213, Zahran Street, 6th Circle, opposite Emmar Towers, Amman.Tel: (962-6) 4648834. Fax: (962-6) 4648835.

LE ROYAL HOTEL Le Royal Hotel Complex, Zahran Street, 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.

TAJ MALL Taj Mall, Market Level No.2, Prince Hashem Street, Amman.Tel: (962-6) 5924261. Fax: (962-6) 5924385.

JABAL HUSSEIN Al-Husseini Center, Khaled Ben Walid Street, Firas Circle, Jabal Hussein, Amman.Tel: (962-6) 5605252. Fax: (962-6) 5604242.

SWEIFIEH Al Yanbouh Center, Abd El-Rahim Al-Hajj Mohamad Street, Sweifieh, Amman.Tel: (962-6) 5865432. Fax: (962-6) 5853185.

ABDOUN Moussa Nakho Complex, Queen Zain Al-Sharaf Street, Abdoun, Amman.Tel: (962-6) 5935597. Fax: (962-6) 5935598.

AL-MADINA AL-MOUNAWARA STREET Al-Ameer Complex, Al-Madina Al-Mounawara Street, Amman.Tel: (962-6) 5563850. Fax: (962-6) 5563851.

WADI SAQRA Saqra Complex, Wadi Saqra Street, Amman.Tel: (962-6) 5672227. Fax: (962-6) 5652321.

DABOUQ Bldg. 179, King Abdullah II Street, Amman.Tel: (962-6) 5333305. Fax: (962-6) 5332704.

IRBID Al Busoul Complex, Feras Al Ajlouni Street, Al Qubbeh Circle, Irbid.Tel: (962-2) 7261550. Fax: (962-2) 7261660.

AQABA Dream Mall, Sharif Hussein Bin Ali Street, Aqaba.Tel: (962-3) 2063200. Fax: (962-3) 2063201.

LEBANON

Bank Audi salBank Audi Plaza, Bab Idriss.P.O. Box 11-2560 Beirut - LebanonTel: (961-1) 994000. Fax: (961-1) 990555.Customer helpline: (961-4) 727777.Swift: AUDBLBBX.E-mail: contactus@bankaudi.com.lb bankaudigroup.com

COUNTRY MANAGEMENT LEBANONBank Audi Palladium, Bab Idriss.P.O. Box: 11-2560 Beirut – Lebanon.Tel: (961-1) 994000. Fax: (961-1) 990555.Customer helpline: (961-4) 727777.Swift: AUDBLBBX.E-mail: contactus@bankaudi.com.lb bankaudi.com.lb

M1 Building, Bab Idriss.P.O. Box: 11-2560 Beirut – Lebanon.Tel: (961-1) 994000. Fax: (961-1) 990555.Customer helpline: (961-4) 727777.Swift: AUDBLBBX.E-mail: contactus@bankaudi.com.lbbankaudi.com.lb

Audi Investment Bank salBank Audi Plaza, Block B, Bab Idriss.P.O. Box: 16-5110 Beirut - Lebanon.Tel: (961-1) 994000. Fax: (961-1) 999406.E-mail: contactus@bankaudiib.com bankaudigroup.com

Audi Private Bank salBank Audi Plaza, Block D, Bab Idriss, Beirut.P.O. Box: 11-1121 Beirut - Lebanon.Tel: (961-1) 954800, 954900. Fax: (961-1) 954880.E-mail: contactus.lebanon@bankaudipb.com bankaudipb.com

SOLIFAC salZen Building, Charles Malek Avenue, Ashrafieh.P.O. Box: 11-1121 Beirut - Lebanon.Tel: (961-1) 209200. Fax: (961-1) 209205.

SWITZERLAND

Banque Audi (Suisse) sa18, Cours des Bastions.P.O. Box: 384. 1211 Geneva 12, Switzerland.Tel: (41-22) 704 11 11. Fax: (41-22) 704 11 00.E-mail: contactus.gva@bankaudipb.com bankaudipb.com

Beirut Representative OfficeBank Audi Plaza, Bab Idriss.P.O. Box: 11-2666 Beirut - Lebanon.Tel: (961-1) 977 544. Fax: (961-1) 980 535.

FRANCE

Bank Audi France sa73, Avenue des Champs-Elysées. 75008 Paris, France.Tel: (33-1) 53 83 50 00. Fax: (33-1) 42 56 09 74.E-mail: contactus@bankaudi.frbankaudi.fr

IRAQ

Bank Audi sal -Iraq BranchesBank Audi Bldg., District 923, Al-Jadriya Main Street, Baghdad.P.O. Box 2080 Al-Jadriya, Iraq.Tel: (964-772) 9768900. E-mail: contactus.iraq@bankaudi.com.lb bankaudiiraq.com

EGYPT

Bank Audi saePyramids Heights Office Park, Cairo-Alexandria Desert Road, Km 22, Sixth of October City.P.O. Box 300 El Haram. Postal Code 12556.Tel: (20-2) 35343300. Fax: (20-2) 35362120.E-mail: contactus@bankaudi.com.eg bankaudi.com.eg

SAUDI ARABIA

Audi Capital (KSA) cjscCentria Bldg., 3rd Floor, 2908 Prince Mohammad Bin AbdulAziz Road (Tahlia).Postal Address: Unit No. 28, Ar Riyadh 12241-6055.P.O. Box: 250744 Riyadh 11391 Kingdom of Saudi Arabia.Tel: (966-11) 2199300. Fax: (966-11) 4627942.E-mail: contactus@audicapital.comaudicapital.com

QATAR

Bank Audi LLCQatar Financial Centre Tower, 18th Floor, Diplomatic Area, West Bay.P.O. Box: 23270 Doha, Qatar.Tel: (974) 44967365. Fax: (974) 44967373.E-mail: contactus.qatar@bankaudipb.com bankaudipb.com

MONACO

Audi Capital Gestion SAMMonte-Carlo Palace, 3-9 Boulevard des Moulins.MC - 98000 Monaco.Tel: (377) 97 97 65 11. Fax: (377) 97 97 65 19.E-mail: contactus.mc@bankaudipb.com bankaudipb.com

TURKEY

Odea Bank A. .Odea Bank A.Ş. headquarters, Levent 199, Buyukdere Street, No. 199, Floors 33-39, 34394 Sisli, Istanbul.Tel: (90-212) 3048444. Fax: (90-212) 3048445.E-mail: info@odeabank.com.trodeabank.com.tr

UNITED ARAB EMIRATES

Bank Audi sal Representative OfficeEtihad Towers, Tower 3, 15th Floor, Office 1503, Corniche Street.P.O. Box 94409 Abu Dhabi, United Arab Emirates.Tel: (971-2) 6331180. Fax: (971-2) 6336044.E-mail: contactus.abu-dhabi@bankaudipb.com bankaudipb.com

RESEARCH DEPARTMENTBANK AUDI sal

Bank Audi Plaza, Bab IdrissP.O. Box 11-2560 Beirut - LebanonTel: (961-1) 994000. Fax (961-1) 985622.E-mail: research@banqueaudi.combankaudigroup.com

Sources

Central Bank of JordanJordanian Ministry of EducationJordanian Ministry of Health Amman Stock ExchangeCIA World Fact BookInternational Monetary FundUNDPWorld Bank