talal abu - ghazaleh finance and banking - tag-publication
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Talal Abu - GhazalehFinance and Banking Academy
(TAGFBA)
Training and Academic Plan
2008
Talal Abu - GhazalehFinance and Banking Academy
(TAGFBA)
The Talal Abu Ghazaleh Finance and Banking Academy (TAGFBA) offers the following fields of training and academic activities:
I- Comprehensive Training Programs for Beginners (Entry Level Training Courses)
Internal banking operations (40 training hours)
Current accounts: deposits, saving and fixed accounts, and certificates of depositsBank accountingBank guarantees and commercial bills Fundamentals of bank credit facilities: retail and customer lending, corporate finance, term loans, and credit types.
External banking operations (30 training hours)
Documentary credits (LC’s)Bills of collection Bank transfersTravelers chequesSwifts / LC’s., transfers
Basic computer and Internet skills (20 training hours)
Basic English language skills for bankers (20 training hours)
This package of courses will be for the benefit of new employees, starting their careers in banking and financial sector. Participants are awarded “Certificate of Completion” upon the satisfactory completion of each package.
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b-
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II- Specialized Banking and Financial Training Courses TAGFBA offers training programs in various banking and financial aspects for the middle and top level of management.Training methods used include practical cases, role-playing, brainstorming, teamwork, simulations, and research. The trainees are granted an “Assessment Certificate” upon the satisfactory completion of each program.
These courses are conducted through the following fields:
Code Training Hours
BC 01
BC 02
BC 03
BC 04
BC 05
BC 06
BC 07
BC 08
BC 09
BC 10
BC 11
BC 12
BC 13
BC 14
BC 15
BC 16
BC 17
BC 18
BC 19
BC 20
BC 21
Credit Analysis
Project Evaluation and Feasibility Studies
Syndicated Lending
Credit Risks Management in Banks
Follow up & Control of Bank Credit
Problems Loans and Remedial Management
Management & Treatment of Bad Debts
Lease Financing
Money Laundering and Bank Secrecy
Advanced Credit Analysis
Credit Policies and Management
Legal System of Credit Cards and Bank Cheques
Legal Aspects of Documentary Credits
Credit Risk Management in Insurance Companies
Foreign Trade Finance
Retail and Personnel Credit Management
Real Estate Finance
Liquidity Management for Credit Purposes
Industrial Credit Analysis
Bank Collaterals
Corporate Financing
20
20
15
25
20
25
20
15
20
25
25
15
20
15
15
15
15
15
12
15
15
A- Bank Credit Courses
Course
2
B- Financial, Accounting and Auditing Courses
Financial Analysis
Advanced Financial Analysis
Financial Accounting for Banks
Financial Statements Analysis
Preparing and Forecasting Budgets in Banks
Balance Sheets Management and Structure
Accounting and Financial Statements for Credit
Purposes
Modern International Techniques of Auditing and
Control in Banks
Financial Risks Management
Financial Statements Analysis Using Excel
Financial Planning and Forecasting
Electronic Accounting System in Banks
Cost Accounting in Commercial Banks
Swift/Transfers, Lc’s, Bills
Bank Managerial Accounting
Accounting For non- Accountants
Accounting for Insurance Companies
IT Auditing and Control
Cash Flow Analysis and Management
Legal Aspects of Financial Analysis
Cash Flow – Based Valuation Models
Auditing for Foreign Exchange Market Deals
Auditing and Controlling for the Use of Electronic
Credit Card, Charge Card and Smart Card
Training HoursCourseCode
20
25
20
20
15
20
25
20
25
15
20
15
15
15
20
15
15
15
12
15
15
15
15
FA 01
FA 02
FA 03
FA 04
FA 05
FA 06
FA 07
FA 08
FA 09
FA10
FA 11
FA 12
FA 13
FA 14
FA 15
FA 16
FA 17
FA 18
FA 19
FA 20
FA 21
FA 22
FA 23
3
C- Money and Capital Markets Courses
Training HoursCourseCode
MC 01
MC 02
MC 03
MC 04
MC 05
MC 06
MC 07
MC 08
MC 09
MC 10
MC 11
MC 12
MC 13
MC 14
MC 15
MC 16
Money Market Operations
Capital Market Operations
Bourse Game (Foreign Exchange) & Treasury
Operations
Mock Dealing Room
Managing Risks in Financial Markets
Financial Markets for the non-Financial Employees
Financial Brokerage Operations
Promotions & Underwriting Companies
Mutual Funds and Annuities
Foreign Currency Market Risks and Management
Economics and the Financial Markets
Understanding and Using International REPO Markets
International Financial Markets
Money and Capital Markets Authorities
Technical Analysis
Fundamental Analysis
20
20
25
20
15
15
15
15
15
20
15
15
15
20
15
15
15
20
20
15
Financial Analysis for Auditors
Accounting and Auditing for Financial Derivatives
Activities
New Financial Instruments for Auditors to Manage
Money Laundering and Fraud Risks
Assessing and Managing the Market Value of
Balance Sheet
FA24
FA25
FA26
FA27
Training HoursCourseCode
4
Training HoursCourseCode
D- Bank Management Courses
BM 01
BM 02
BM 03
BM 04
BM 05
BM 06
BM 07
BM 08
BM 09
BM 10
BM 11
BM 12
BM 13
BM 14
BM 15
BM 16
BM 17
BM 18
BM 19
BM 20
BM 21
BM 22
BM 23
Bank Operational Structure
Asset & Liability Management
Human Resources Management in Banks
Banking Leadership Skills
Management of Mutual Funds
Implementation of Basel II Agreement
Measuring & Evaluating Banks Performance
Strategic Planning and Strategic Management for Banks
Cash, Credit and Treasury Operations Management
Legal Aspects of Bank Operations
ISO System and its Application in Banks
Team Work Building in Bank Operations
Training of Trainers (TOT)
Total Quality Management (TQM) in Banks
Personnel Management and Job Development
Problem Solving and Decision Making for Banks
Interest Rate Risk Management
Country Risk Management
Private Equity and Venture Capital Management
Branch Bank Management
Brain Storming for Management
Management Information Systems (MIS)
Strategic Leadership and Change
15
30
20
20
15
20
20
15
25
15
20
15
15
20
15
15
15
15
15
12
15
20
15
5
Training HoursCourseCode
E- Investment Portfolios and Corporate Finance Courses
IP 01
IP 02
IP 03
IP 04
IP 05
IP 06
IP 07
IP 08
IP 09
IP 10
IP 11
IP 12
IP 13
IP 14
IP 15
IP 16
IP 17
IP 18
IP 19
IP 20
IP 21
IP 22
IP 23
Capital Markets Operations
Money Markets Transactions
International Corporate Finance Analysis & Evaluation
Technical Analysis
Fundamental Analysis
Forwards, Futures and Options Markets
Currency Swaps and Interest Rate Swaps
Investment in Financial Securities (Stocks & bonds)
Intermediate Portfolio Management
Advanced Portfolio Management
Brokerage Operations
Mutual Funds (Investment companies)
Modern Techniques for Mergers & Acquisitions
Derivative & Financial Engineering
Structuring Real-Estate Finance
Asset Securitization : Cash Flow Modeling
Modern Correspondents Bank Operations
International Project Finance and Management
Credit Derivatives
Measuring and Managing Value at Risk (VAR)
Understanding Convertible Bond Mechanics
Fixed Income Securities
International Financial Markets
20
20
20
15
15
25
20
25
20
20
25
20
15
30
12
12
15
15
15
15
15
15
20
6
Training HoursCourseCode
F- Bank Marketing Courses
MB 01
MB 02
MB 03
MB 04
MB 05
MB 06
MB 07
MB 08
MB 09
MB 10
MB 11
MB 12
MB 13
MB 14
MB 15
Introduction to Bank Marketing
Advanced Bank Marketing
Innovation of New Banking Services
Negotiation Skills for Banking Leaders
Development of Banking Services Quality
Bank Marketing Strategies Under Competition
Financial Services Marketing
Selling Skills and Techniques for Banks
Global Securities Services Marketing
Retail Bank Services
Strategic Thinking : Financial Services Marketing
Marketing of Insurance Services
Negotiation Strategy and Process
Understanding Customer Motivation and Attitude
Listening and Questioning Skills
15
20
15
15
20
20
15
15
15
15
15
12
15
12
12
7
Training HoursCourseCode
G- Islamic Banking Courses
IB 01
IB 02
IB 03
IB 04
IB 05
IB 06
IB 07
IB 08
IB 09
IB 10
IB 11
IB 12
IB 13
IB 14
IB 15
IB 16
IB 17
IB 18
IB 19
IB 20
IB 21
IB 22
IB 23
Basic Concepts of Islamic Economy
Introduction to Islamic Banking System
Al - Murabaha Financing
Al - Musharakah Financing
Al - Moudarabah Financing
Al - Ijara Financing
Al - Salam and Al - Istisna
Theoretical Foundations and Practical Applications of
Islamic Banking System
Islamic Bank Marketing
Islamic Bank Accounting for Zakat
Shari’ah Control of Islamic Banks
Islamic Bank Budgeting Techniques
Management and Treatment of Doubtful Debts
Accounting for Islamic Insurance Companies
Evaluation of Islamic Bank Performance
Comparison Between Islamic Banks and Commercial
Banks
Central Bank Inspection and Control on Islamic Banks
Fundamentals of Islamic Banking Operations
Financial Accounting Standards in Islamic Banks
Profit Distribution in Islamic Banks
Investment Portfolio Management in Islamic Banks
Strategic Management and Organization for Islamic
Banks
Securitization and Liquidity Management in Islamic
Banks
15
15
12
12
12
12
12
20
15
15
20
20
15
15
20
15
15
20
15
15
20
20
15
8
IB 28
IB 29
IB 30
Islamic Banks Modes of Finance
Asset and Liability Management in Islamic Banks
Feasibility Studies and Project Evaluation: An Islamic
Perspective
25
25
20
Training HoursCourseCode
III- Specialized Professional Diploma Programs
TAGFBA offers advanced workshops in certain financial and banking aspects leading to specialized professional education certificates. The duration of each workshop ranges from 150 to 250 training hours. Participants who successfully pass any specialized professional program are granted “Certificate of Specialist or Expert or Manager in the Field”.
These diplomas would be as follows:
Diploma in Financial Analysis – granted (Financial Analyst)Diploma in Bank Credit – granted (Credit Officer)Diploma in E-Banking – granted (E-Banking Expert)Diploma in Bank Leadership – granted (Bank Leader)Diploma in Brokerage Operations – granted (Broker Officer)Diploma in Investment Portfolio Management - granted (Portfolio Manager or Investment Advisor) Diploma in Bank Marketing – granted (Bank Marketing Officer)Diploma in Islamic Banking Operations – granted (Islamic Banking Specialist)Diploma in Bank Accounting and Auditing – granted (Bank Accounting and Audit Advisor or Manager)
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IB 24
IB 25
IB 26
IB 27
Islamic Bank Guarantees
Internal and External Audit and Control in Islamic Banks
Risk Management in Islamic Banks
Management of Foreign Banking Operations in Islamic
Banks
12
20
20
20
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7-8-
9-
1. Professional Diploma in Financial Analysis
No. of
Modules
1
2
3
4
5
6
7
8
9
10
11
12
Total
Module Title
Introduction to Financial Analysis
Financial Accounting for Banks
Financial Statements Analysis
Financial Planning and Forecasting
Financial Analysis for Financial Markets Operations
Financial Analysis and Feasibility Studies
Advanced Financial Analysis
Financial Statements Analysis Using Excel
Legal Aspects of Financial Analysis
Financial Risks Management
Cash Flow Analysis and Management
Balance Sheets Management and Structure
Credit Hours
20
15
15
20
20
15
25
15
15
20
15
20
200
The Modules of each professional diploma are designed in the following manner:
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2. Professional Diploma in Bank Credit
No. of
Modules
1
2
3
4
5
6
7
8
9
10
11
12
13
14
Total
Module Title
Introduction to Bank Credit
Advanced Credit Analysis
Financial Analysis and Evaluation of Bank Clients
Credit Policies and Management
Project Evaluation and Feasibility Studies
New Techniques for Assessment of Bank Credit Risks
Follow up and Control of Bank Credit
Legal Aspects of Credit Analysis
Foreign Trade Finance
Corporate Financing
Liquidity Management for Credit Purposes
Credit Analysis for Asset Securitization
Management and Treatment of Bad Debts
Modern Techniques of Credit Rating
Credit Hours
15
20
15
15
20
20
15
15
15
20
15
15
15
15
230
11
3. Professional Diploma in Electronic Banking (E-Banking)
No. of
Modules
1
2
3
4
5
6
7
8
9
10
11
12
Total
Module Title
Electronic Banking
Electronic Commerce
Electronic Documentary Credits
Electronic Payments and Transfers
Electronic Money and Capital Markets
Electronic Human Resources Management in banks
Electronic Credit Card, Charge Card, Smart Card
Electronic Crime – Concept and Scope
Electronic International Financial Transactions
Electronic Auditing of Banks
Modern Risk Management Techniques for E- Banking
Legal and Legislation Frameworks for E-Banking
Credit Hours
15
15
15
15
20
20
15
15
15
15
20
20
200
12
4. Professional Diploma in Bank Leadership
No. of
Modules
1
2
3
4
5
6
7
8
9
10
11
12
13
Total
Module Title
Leadership Styles and Techniques
Leadership in the Age of Uncertainty and Challenges
Group Building and Managing Meetings in Banks
Problem Solving, Decision Making, and Creativity for
Banking Management
Managing Time, Delegation and Work Stress
Strategic Planning and Strategic Management for Banks
Bank Marketing and Customer Relations Management
Strategic Role of Management Information System
(MIS) in Banks
Application of Total Quality Management (TQM)
in Banks
Conflict Management in Banks
Supervisory Development for Banking Personnel
Cash, Credit, and Treasury Operations Management
Bank Simulation for Leaders
Credit Hours
15
15
20
20
15
15
15
20
20
15
15
20
15
220
13
5. Professional Diploma in Brokerage Operations
No. of
Modules
1
2
3
4
5
6
7
8
9
10
11
Total
Module Title
Financial Brokerage Operations
Financial Markets Operations
Capital Market Authorities : Securities Commission,
Stock Exchange (Bourses), Securities Depository
Center
Types of Capital Markets
Equity (Securities and Bonds ) Analysis
Mutual Funds (Investment companies)
Technical Analysis
Fundamental Analysis
IT Financial Broker
Promotion and Underwriting Companies.
Measuring and Evaluation Stock Market Indicators
Credit Hours
20
20
30
15
20
15
15
15
10
15
15
190
14
6. Professional Diploma in Investment Portfolio Management
No. of
Modules
1
2
3
4
5
6
7
8
9
10
11
12
13
14
Total
Module Title
Treasury Operations and Foreign Exchange Transactions
Bourses and Capital Markets
Investment Portfolios and Mutual Funds Formation
and Management
Forwards, Futures and Options Markets
Risks Management of Bank Investments
Asset and Liability Management
Derivatives and Financial Engineering
Interest Rate Swaps and Currency Swaps
Technical Analysis and Fundamental Analysis
Foreign Exchange Risks Management
Investments in Global Securities
Understanding Convertible Bond Mechanics
International Project Finance and Management
International Financial Markets
Credit Hours
20
20
15
20
20
20
20
20
20
15
15
15
10
10
240
15
7. Professional Diploma in Bank Marketing
No. of
Modules
1
2
3
4
5
6
7
8
9
10
11
12
Total
Module Title
Bank Marketing - Concept & Scope
Strategies and Planning for Development of Public
Relations
Development of Banking Service Quality
Selling skills and Techniques for Banks
Bank Card Marketing
Effective Negotiation Skills for Bankers
Marketing Resources for Services Excellence in Banks
Formulation and Evaluation of Bank Marketing Strategy
Mass Communication and Interaction Skills
Innovation of New Banking Services
Legal Aspects of Commercial Financial Services
Understanding Customer Motivation and Attitude
Credit Hours
20
20
15
20
15
15
20
15
15
15
10
10
190
16
8. Diploma in Islamic Banking Operations
No. of
Modules
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
Total
Module Title
Introduction to Islamic Banking System
Islamic Banks : Theory and Practice
Islamic Modes of Finance
Shari’ah Financial Control of Islamic Banks
Asset and Liability Management in Islamic Banks
Investment Portfolio Management in Islamic Banks
Securitization and Liquidity Management in Islamic
Banks
Feasibility Studies and Project Evaluation : An Islamic
Perspective
Central Bank Inspection and Control on Islamic Banks
Comparison Between Islamic Banks and Commercial
Banks
Internal and External Audit and Control In Islamic Banks
Islamic Bank Accounting for Zakat
Evaluation of Islamic Bank Performance
Management of Foreign Banking Operations in
Islamic Banks
Risk and Doubtful Debts Management and Treatment
Credit Hours
15
15
20
15
20
15
15
15
9
9
15
12
15
15
15
220
17
9. Professional Diploma in Bank Accounting and Auditing
No. of
Modules
1
2
3
4
5
6
7
8
9
10
11
12
13
14
Total
Module Title
Accounting - Concept and Principles
Analysis of Cash Flow Statement and Income Statement
Financial Accounting in Banks
Bank Managerial Accounting
Cost Accounting in Banks
Fundamentals of Auditing and Control
New International Standards of Accounting and
Auditing in Banks
IT Auditing and Control in Banks
Financial Analysis for Auditors
Electronic Accounting System in Banks
Auditing for Foreign Exchange Market Deals
Accounting and Auditing for Financial Derivatives
Activities
Auditing and Controlling for the Use of Electronic
Credit Card, Charge Card and Smart Card
New Financial Instruments for Auditors to Manage
Money Laundering and Fraud Risk
Credit Hours
15
15
15
20
15
15
20
15
15
15
15
20
15
20
230
18
IV- MBA Program in Banking and Finance
Aims of the Program
The financial sector is one of the main pillars of the national economy. With the steady growth, development, and increased diversification and complexity of the financial sector, there is a growing demand for the requisite banking and financial skills.
The MBA in Banking and Finance aims to fill this need and provides candidates with a general management education and skills as well as specialized knowledge and training in banking and finance. It is expected that students will be able to acquire knowledge and analytical skills in finance, investment, and risk management in banks and financial institutions. The MBA in banking and finance will be started at the beginning of the academic year 2008 - 2009.
Program Structure
The program consists of (9) compulsory core courses (three credit hours each), (3) compulsory functional courses (three credit hours each) and (2) optional functional courses (three credit hours each). In other words, the Program requires candidates to complete a total of (42) credit hours.
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A. Compulsory Core Courses
Banking and Financial Institutions Corporate Finance Managerial Accounting Financial Analysis Managerial EconomicsMultinational Financial ManagementBank Strategic Management Bank Marketing Management Market Simulation (Statistical and Research Methods in Banking & Finance)
B. Compulsory Functional Courses
Money and Capital MarketsDerivative and Financial Engineering Risk Management in Banks and Financial Institutions
C. Optional Functional Courses
Investment Portfolio Management Organizational Behavior and Bank LeadershipManagement Information Systems E-Banking and E-CommerceFinancial Accounting Macroeconomics Bank Accounting and Auditing Special Topics in Banking and Finance Human Resources Management in Banks Quality Assurance Systems in Banks
1-2-
3-4-5-6-7-8-9-
10-
1-2-3-4-5-6-7-8-9-
1-2-3-
Course Descriptions
Banking and Financial Institutions
Pre- requisite: NoneThis course provides a rigorous introduction to the workings of a modern banking system. In addition, it examines recent developments in the banking sector, with special emphasize on the international aspects of banking and practices and the tools and targets of monitory policy.
Corporate Finance
Pre- requisite: None This course analyzes corporate financial decisions. Topics include capital investment, equity and dept financing, financial structure and financial analysis, dividend policy, the market for corporate control, corporate risk management and others.
Financial Accounting
Pre- requisite: None This course provides candidates with a professional knowledge of accounting topics and an appreciation of the current theoretical issues in financial accounting. Statements of accounting standards, international accounting standards and exposure drafts are considered in this course.
Macroeconomics
Pre-requisite: None This course provides candidates with a graduate level knowledge and training in macroeconomic theory and applications. Topics include the measurement of income, aggregate demand and supply in closed and open economies, consumption behavior, investment, inflation, unemployment, economic growth and monetary and fiscal polices.
Managerial Accounting
Pre-requisite: NoneThis course provides students with traditional tools of managerial accounting, like product, costing, budgeting and performance evaluation in addition to the activity – based costing, value – chain analysis and strategic cost management .
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Managerial Economics
Pre- requisite: None This course focuses on the economics of the managerial decision process with a practical tool for problem solving. It links microeconomics concepts with quantitative methods to develop vital tools for managerial decision making to obtain optimal solutions .
E- Banking and E-Commerce
Pre- requisite: None This course provides students with a good theoretical and practical understanding of the main concept of E-Banking, and Provides them with the legal and regulatory implication of E-Commerce. In addition, it introduces a great knowledge with risks that will be presented by E- Banking and the appropriate controls to manage those risks.
Bank Accounting and Auditing
Pre- requisite: Financial AccountingThis course provides students with a professional knowledge of accounting issues related to the commercial bank statements, treasury budget preparation and control, and foreign transaction statements. The course covers professional techniques of auditing and control over banks.
Management Information Systems
Pre-requisite: None This course highlights the nature of the technological design and management aspects of information technology, expert systems, strategic information systems and technology and business process redesign are discussed.
Market Simulation
Pre- requisite: None This course outlines the various research methodologies commonly used in addressing business questions. The course covers the necessary statistical tools and techniques for analysis for research findings. In addition, experimental and quasi-experimental research design, and empirical research design are covered.
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Risk Management in Banks and Financial Institutions
Pre-requisite: Corporate Finance, Derivatives and Financial Engineering This course covers credit evaluation and control, management of loan portfolios, special credit situations such as syndicated lending and asset securitization. In addition, this course examines trading strategies and risk / return situation in rating asset / liability management and foreign exchange positions. It also covers firm value, financial operations, rating context, and various rating methods. Each of these themes is illustrated through concrete case examples.
Money and Capital Markets
Pre- requisite: Corporate Finance This course focuses on the principles and valuation techniques in money and capital markets analysis, including an overview of the investment environment and portfolio management. This course includes economic, industry and company analysis for equities as well as the analysis of bonds including price/yield relationship, duration, convexity, price volatility and others.
Derivatives and Financial Engineering
Pre- requisite: Corporate Finance This course focuses on derivative securities such as options, forwards, futures and swaps. These securities will be analyzed in terms of their uses in investment speculation and management of risk .
Financial Management and Analysis
Pre- requisite: NoneThis course focuses on the theoretical issues in financial analysis and management and the use of financial information in various settings. Some of the main topics include financial statements analysis, market response to financial information and the use of information in valuation .
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Investment Portfolio Management
Pre- requisite: Money and Capital MarketsThis course includes portfolio management policies, money and capital markets expectations, asset allocation, portfolio construction, portfolio hedging strategies, evaluation of investment performance and asset pricing models.
Multinational Financial Management
Pre- requisite: Corporate Finance This course covers the existing environment of international finance, foreign exchange, risk management, international parity conditions, forecasting, foreign direct and indirect investment and country risk analysis .
Special Topics in Banking and Finance
Pre- requisite: Corporate Finance, Money and Capital MarketsThe objective of this course is to cover specific topics in banking & finance. Example may include topics like securitization, mergers, risk management and financial institutions, foreign trade financing and others .
Human Resources Management in Banks
Pre-requisite: None This course provides students with an appropriate skills to develop an understanding of the relationship between managing human recourses and organizational effectiveness, and to gain the knowledge and tools needed to engage in high quality people management. It examines four important human resources management issues: staffing, development, reward systems and work systems. The theoretical framework of these issues will draw upon developments in the behavioral and socio-technical systems approaches to the institutional change.
Quality Assurance Systems in Banks
Pre- requisite: None This course covers principles of quality assurance, quality assurance tools, quality assurance procedures and problem solving techniques, quality control and testing and evaluation.
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Organizational Behavior and Bank Leadership
Pre – requisite: None This course examines human behavior in banks and its implications for management decisions and actions. The course explores the theory and practice of working with the managing people. Topics include motivation, learning, group dynamics, leadership, communication, organizational structure and culture.
Bank Strategic Management
Pre-requisite: None This course is designed to provide students with a comprehensive understanding of the business corporation by integrating the functional areas of business. The course covers strategic management issues and topics like techniques of industry and competitive analysis, building and defining competitive advantages, and the implementation of strategies.
Bank Marketing Management
Pre- requisite: None This course analyzes the marketing process, the environment within which it operates, institutions involved, and the functions performed. It also examines the relationships and trends in a market - based economic system. The course develops concepts and terms applied to marketing decisions from the perspective of bank manager.
Tel.: +962 6 5509222 , Fax: +962 6 5509102P.O.Box: 921951, Amman 11192 Jordan