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

ASE:THBK Income Statement

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

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

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