The Housing Bank for Trade and Finance (ASE:THBK)

Zuora Income Statement

Financials in millions JOD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	597.75	603.38	560.6	417.02	372.63	406.43
Interest Income on Investments	0.32	0.29	0.39	0.2	0.17	0.2
Total Interest Income	598.07	603.68	560.99	417.22	372.8	406.63
Interest Paid on Deposits	218.79	223.94	184.04	97.98	72.47	101.91
Net Interest Income	379.27	379.73	376.95	319.24	300.33	304.73
Net Interest Income Growth (YoY)	0.83%	0.74%	18.08%	6.30%	-1.44%	2.61%
Gain (Loss) on Sale of Investments	0.77	0.97	1.62	-1.97	-1.44	2.33
Other Non-Interest Income	68.24	64.05	59.44	60.7	56.13	57.24
Total Non-Interest Income	69.01	65.01	61.07	58.73	54.69	59.57
Non-Interest Income Growth (YoY)	14.32%	6.47%	3.98%	7.38%	-8.19%	-6.93%
Revenues Before Loan Losses	448.28	444.75	438.02	377.96	355.01	364.29
Provision for Loan Losses	16.79	18.94	35.67	6.36	50.07	122.56
Revenue	431.49	425.8	402.35	371.61	304.95	241.73
Revenue Growth (YoY)	4.41%	5.83%	8.27%	21.86%	26.15%	-20.96%
Salaries and Employee Benefits	100.54	99.93	95.86	86.34	76.06	76.66
Occupancy Expenses	28.66	27.69	25.86	24.5	24.97	24.53
Selling, General & Administrative	4.51	4.51	5.03	4.21	3.07	2.97
Other Non-Interest Expense	61.63	57.88	58.19	59	37.74	56.65
Total Non-Interest Expense	195.33	190.01	184.94	174.04	141.84	160.81
EBT Excluding Unusual Items	236.16	235.8	217.4	197.56	163.1	80.92
Asset Writedown	-	-	-	-	-	-3.27
Pretax Income	236.16	235.8	217.4	197.56	163.1	77.65
Income Tax Expense	85.85	85.52	76.63	65.18	53	35.15
Earnings From Continuing Operations	150.3	150.27	140.77	132.38	110.1	42.51
Minority Interest in Earnings	-1.26	-2.82	-4.04	-2.88	-4.48	-5.89
Net Income	149.04	147.45	136.73	129.5	105.62	36.61
Net Income to Common	149.04	147.45	136.73	129.5	105.62	36.61
Net Income Growth	6.26%	7.84%	5.58%	22.61%	188.47%	-54.72%
Basic Shares Outstanding	315	315	315	315	315	315
Diluted Shares Outstanding	315	315	315	315	315	315
EPS (Basic)	0.47	0.47	0.43	0.41	0.34	0.12
EPS (Diluted)	0.47	0.47	0.43	0.41	0.34	0.12
EPS Growth	6.26%	7.84%	5.58%	22.61%	188.47%	-54.72%
Dividend Per Share	0.300	0.300	0.250	0.250	0.200	0.120
Dividend Growth	20.00%	20.00%	-	25.00%	66.67%	-
Effective Tax Rate	36.35%	36.27%	35.25%	32.99%	32.50%	45.26%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.