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*Change in provisions for credit losses for licensed banks in Jordan (30 September 2019/30 September 2020)*

1- Jordan Islamic Bank -36.4%

2 - Al Safwa Islamic Bank 33.3%

3 - Bank ABC 29.7%

4 - Cairo Amman Bank 56.6%

5 - Jordan Commercial Bank 176.9%

6 - Ahli Bank 210.0%

7 - AJIB Bank 236.8%

8 - Investment Bank 100.0%

9 - Capital Bank 436.7%

10 - Jordan Kuwait Bank 150.9%

11 - Bank of Jordan 87.8%

12 - Bank al Etihad 130.0%

13 - The Housing Bank 92.4%

14 - Arab Bank 302.9%

3 1 why Jordan Islamic Bank shows a negative growth rate in the allowance for credit losses (improvement) while Safwa bank shows an increase in the allowance for credit losses; if you know that both are Islamic banks? hint: check the structure of loans at both banks and relate to "LGD". * (2 Points) Based on the attached figure, answer the following questions: 1. In your own words, why do you think the reason(s) behind the substantial increase in Allowance for credit losses for Jordanian banks? * (2 Points) 2 BarkABC AJIB 1. we can see that Islamic banks have a lower (negative) rate of growth for Allowance for credit losses than a commercial bank. From a credit risk perspective, what are the resaon(s) behind these differences? * (2 Points) NO Lu 130D 1994 32 3 1 why Jordan Islamic Bank shows a negative growth rate in the allowance for credit losses (improvement) while Safwa bank shows an increase in the allowance for credit losses; if you know that both are Islamic banks? hint: check the structure of loans at both banks and relate to "LGD". * (2 Points) Based on the attached figure, answer the following questions: 1. In your own words, why do you think the reason(s) behind the substantial increase in Allowance for credit losses for Jordanian banks? * (2 Points) 2 BarkABC AJIB 1. we can see that Islamic banks have a lower (negative) rate of growth for Allowance for credit losses than a commercial bank. From a credit risk perspective, what are the resaon(s) behind these differences? * (2 Points) NO Lu 130D 1994 32 3 1 why Jordan Islamic Bank shows a negative growth rate in the allowance for credit losses (improvement) while Safwa bank shows an increase in the allowance for credit losses; if you know that both are Islamic banks? hint: check the structure of loans at both banks and relate to "LGD". * (2 Points) Based on the attached figure, answer the following questions: 1. In your own words, why do you think the reason(s) behind the substantial increase in Allowance for credit losses for Jordanian banks? * (2 Points) 2 BarkABC AJIB 1. we can see that Islamic banks have a lower (negative) rate of growth for Allowance for credit losses than a commercial bank. From a credit risk perspective, what are the resaon(s) behind these differences? * (2 Points) NO Lu 130D 1994 32 3 1 why Jordan Islamic Bank shows a negative growth rate in the allowance for credit losses (improvement) while Safwa bank shows an increase in the allowance for credit losses; if you know that both are Islamic banks? hint: check the structure of loans at both banks and relate to "LGD". * (2 Points) Based on the attached figure, answer the following questions: 1. In your own words, why do you think the reason(s) behind the substantial increase in Allowance for credit losses for Jordanian banks? * (2 Points) 2 BarkABC AJIB 1. we can see that Islamic banks have a lower (negative) rate of growth for Allowance for credit losses than a commercial bank. From a credit risk perspective, what are the resaon(s) behind these differences? * (2 Points) NO Lu 130D 1994 32