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

ASE:THBK 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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	592.91	603.38	560.6	417.02	372.63	406.43
Interest Income on Investments	0.33	0.29	0.39	0.2	0.17	0.2
Total Interest Income	593.23	603.68	560.99	417.22	372.8	406.63
Interest Paid on Deposits	215.16	223.94	184.04	97.98	72.47	101.91
Net Interest Income	378.07	379.73	376.95	319.24	300.33	304.73
Net Interest Income Growth (YoY)	1.22%	0.74%	18.08%	6.30%	-1.44%	2.61%
Gain (Loss) on Sale of Investments	0.93	0.97	1.62	-1.97	-1.44	2.33
Other Non-Interest Income	66.06	64.05	59.44	60.7	56.13	57.24
Total Non-Interest Income	66.99	65.01	61.07	58.73	54.69	59.57
Non-Interest Income Growth (YoY)	4.23%	6.47%	3.98%	7.38%	-8.19%	-6.93%
Revenues Before Loan Losses	445.07	444.75	438.02	377.96	355.01	364.29
Provision for Loan Losses	14.6	18.94	35.67	6.36	50.07	122.56
Revenue	430.47	425.8	402.35	371.61	304.95	241.73
Revenue Growth (YoY)	1.93%	5.83%	8.27%	21.86%	26.15%	-20.96%
Salaries and Employee Benefits	99.99	99.93	95.86	86.34	76.06	76.66
Occupancy Expenses	28.94	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	62.51	57.88	58.19	59	37.74	56.65
Total Non-Interest Expense	195.94	190.01	184.94	174.04	141.84	160.81
EBT Excluding Unusual Items	234.52	235.8	217.4	197.56	163.1	80.92
Asset Writedown	-	-	-	-	-	-3.27
Pretax Income	234.52	235.8	217.4	197.56	163.1	77.65
Income Tax Expense	84.12	85.52	76.63	65.18	53	35.15
Earnings From Continuing Operations	150.41	150.27	140.77	132.38	110.1	42.51
Minority Interest in Earnings	-2.2	-2.82	-4.04	-2.88	-4.48	-5.89
Net Income	148.2	147.45	136.73	129.5	105.62	36.61
Net Income to Common	148.2	147.45	136.73	129.5	105.62	36.61
Net Income Growth	3.57%	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	3.57%	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	35.87%	36.27%	35.25%	32.99%	32.50%	45.26%

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