The Housing Bank for Trade and Finance (HBTF) was established in 1973 as a public shareholding limited company with a capital amounting to half a million JD. The primary focus of the Bank was to provide housing finance, and hence the name.

After 24 years of operations, the Bank embarked on a new era, when it diversified its scope and became a comprehensive bank, providing full commercial banking services. The Bank’s capital was increased several times, and currently amounts to JD 252 million; the equivalent of USD 355 million, the Bank’s management has continuosly focused on strengthening its capital base year by year, the shareholder equity amounted to JD 1 billion (USD 1.4 billion) at the end 2010.

The Bank’s successful journey has paid off, and it has earned many high credit ratings from international institutions (Moody's, Standard & Poor’s, Fitch, and Capital Intelligence), in addition to winning  the prestigious " Bank of the year – Jordan"  award  from The Banker (2003 , 2011 ) and from Euromoney (2007). In addition, it has also received several other awards and certificates.

Local Certificates of Appreciation and Awards

• The Bank was awarded “Al Kawkab Medal of the First Order” on the fifteenth anniversary of its establishment (1989).

• The Bank won The King Abdullah II award for Excellence, the highest national award (2000).

• The Bank won the excellence award for qualitative performance at the national level from Prince Faisal bin Al Hussein (2006).

• The Bank won an excellence award from E- Jordan conference (2002).

Regional and International Certificates of Appreciation and Awards

• The first bank in Jordan & Arab world to obtain the highest levels of “General Conformance Certificate” with International Internal Audit Standards issued by the American Institute of Internal Auditors “IIA” (2009).

• The Bank  was awarded the International Star / Platinum Category & Golden Category from Business Initiative Directions BID due to good reputation in leadership and management (2005).

• The first bank in Jordan & Arab world to obtain the ISO 9001 international quality certificate (2002).

• The Bank won Arab Quality Award (2001).

HBTF earned an outstanding positions in the banking sector in Jordan, details as of 31/12/2010 are as follows:

• HBTF has the largest branch network in Jordan (110 branches with a market share of 15%).
• HBTF has the largest ATM network in Jordan (187 ATMs with a market share of 16.6%).
• HBTF has the largest customer base in Jordan (which have exceeded 707 thousand).
• HBTF has the largest number of VISA electron cards (which have exceeded 640,000 with a market share of 28.9%).
• HBTF has the largest number of VISA credit cards (which have exceeded 45,000 with a market share of 24%).
• HBTF has the largest balance of Saving Accounts in local currency (JD 942 million with a market share of 41.9%).
• HBTF has the largest Shareholders’ Equity (JD 860.7 million).
• HBTF has a large corresponding banks network, with more than 400 banks distributed in over 60 countries around the world.