Jordanian accounting practices process Housing Bank statements for SMEs, landlords, civil servants, and mortgage holders. Convert each PDF to a clean CSV in under a minute.
Convert your client's statementHousing Bank for Trade and Finance is one of the most common business and personal accounts your Jordanian clients hold. Construction-sector SMEs, landlords with multiple rental properties, civil servants with side businesses, and individual mortgage holders all appear in your practice's statement intake. The bank issues bilingual Arabic-English PDFs that read cleanly but resist the simple copy-paste approach to Excel.
The biggest time sink in any Jordanian bookkeeping workflow is rekeying transactions from PDF into a spreadsheet or accounting tool. Housing Bank statements can run 5 to 50 pages depending on the account size. At a practice scale — 20, 50, or 100 clients across the firm — manual rekeying is hours per month per accountant. Kashfbank converts each statement to a structured CSV in under a minute.
The standard Housing Bank statement is a bilingual PDF with consistent columns: Date, Serial, Description, Debit (JOD), Credit (JOD), Balance (JOD). JOD three-decimal precision is preserved by Kashfbank. The account summary at the top — opening, total debits, total credits, closing — gives you a fast sanity check before line-by-line review.
Trade finance entries (LC numbers, letters of guarantee, documentary credit references) carry long narrations that can wrap or truncate in the description column. Kashfbank captures the full string where the PDF text layer holds it. For construction-sector clients with high LG turnover, the export's Description column makes it possible to reconcile each guarantee against the project file.
Bookkeeping and audit working papers pull a specific set of rows from the statement. Income, expenses, tax payments, and trade finance entries that need separate disclosure.
Bilingual Arabic-English PDF with clearly labelled columns: date, serial, transaction description, debit (JOD), credit (JOD), balance (JOD). JOD amounts to three decimal places. Account summary section at top shows opening balance, total debits, total credits, and closing balance. Trade finance entries (LCs, guarantees) reference documentary credit numbers. Branch and online channels are coded differently in the narration.
| Label | Meaning |
|---|---|
| Housing Loan Instalment | Monthly mortgage or housing loan repayment |
| Salary Transfer | Employer salary deposit via FAST payment network |
| ATM Withdrawal | Cash withdrawal from ATM |
| Letter of Guarantee | Bank guarantee issued for trade or construction contract |
| Online Transfer | Transfer executed via HB Mobile or internet banking |
Rules in Jordan differ — see our country guide
Collect 12 months of client statements
Most ISTD annual returns and corporate filings need 12 months of statements. Request the bilingual PDF from each client, or have them pull it from HB Mobile or Housing Bank Online. The same workflow runs for personal and corporate accounts — only the volume changes.
Upload each client file independently
Drop each PDF into Kashfbank. The file is processed independently and labelled with its source filename. Across a session you can run 10 to 20 clients' statements without losing track of which file is which.
Download the CSV and import into your tool
The CSV uses standard columns: Date, Description, Debit, Credit, Balance, Category, Currency. Zoho Books, QuickBooks, Xero, and most local Jordanian accounting tools accept this format with at most a minor date format tweak. JOD three-decimal precision is preserved.
Reconcile against the trial balance
For corporate clients, run the imported transactions against the trial balance. The closing balance on the Housing Bank statement should match the bank GL account at the same date. Discrepancies usually point to unrecorded transactions on the bank side or pending entries on the books side.
Common challenges
Can the practice process statements from many clients in a single session?
Yes. Each upload is processed independently and labelled with the source filename. The Kashfbank session can run 10 to 20 client PDFs in a row without mixing data. Each export downloads as its own CSV file.
How does the export handle JOD three-decimal precision for audit working papers?
JOD uses three decimal places per CBJ standards and Kashfbank preserves all three. For audit reconciliation against the bank GL, the third decimal matters in the cumulative balance. Spreadsheet tools that assume two decimals introduce small rounding drift across many rows; we do not round.
Construction-sector clients have long LG and LC references that wrap. Are those captured?
Where the PDF text layer holds the full reference string, Kashfbank captures it in the Description column. Some Housing Bank statements truncate very long LG narrations on screen but keep the full string in the underlying text — those export correctly. For a small share of scanned older statements, the visible truncation is what the file contains.
Does the export support direct import into Zoho Books or QuickBooks?
The standard CSV column layout (Date, Description, Debit, Credit, Balance, Category, Currency) imports cleanly into Zoho Books, QuickBooks Online, Xero, and most tools used by Jordanian accountants. Some tools require a minor date format adjustment which most accountants do in under a minute.
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Regulator: Central Bank of Jordan (CBJ)
Fiscal year: Jan 1 – Dec 31
Full country guide →Statement language: Arabic / English