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 315 million; the equivalent of USD 444 million, the Bank's management has continuously focused on strengthening its capital base year by year, the total equity amounted to JD 1,045 million (USD 1.5 billion) at the end of June 2018 .