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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	602.39	603.38	560.6	417.02	372.63	406.43
Interest Income on Investments	0.29	0.29	0.39	0.2	0.17	0.2
Total Interest Income	602.69	603.68	560.99	417.22	372.8	406.63
Interest Paid on Deposits	222.35	223.94	184.04	97.98	72.47	101.91
Net Interest Income	380.34	379.73	376.95	319.24	300.33	304.73
Net Interest Income Growth (YoY)	0.99%	0.74%	18.08%	6.30%	-1.44%	2.61%
Gain (Loss) on Sale of Investments	0.72	0.97	1.62	-1.97	-1.44	2.33
Other Non-Interest Income	65.32	64.05	59.44	60.7	56.13	57.24
Total Non-Interest Income	66.05	65.01	61.07	58.73	54.69	59.57
Non-Interest Income Growth (YoY)	9.67%	6.47%	3.98%	7.38%	-8.19%	-6.93%
Revenues Before Loan Losses	446.38	444.75	438.02	377.96	355.01	364.29
Provision for Loan Losses	15.61	18.94	35.67	6.36	50.07	122.56
Revenue	430.77	425.8	402.35	371.61	304.95	241.73
Revenue Growth (YoY)	5.21%	5.83%	8.27%	21.86%	26.15%	-20.96%
Salaries and Employee Benefits	101.05	99.93	95.86	86.34	76.06	76.66
Occupancy Expenses	27.97	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	59.6	57.88	58.19	59	37.74	56.65
Total Non-Interest Expense	193.13	190.01	184.94	174.04	141.84	160.81
EBT Excluding Unusual Items	237.64	235.8	217.4	197.56	163.1	80.92
Asset Writedown	-	-	-	-	-	-3.27
Pretax Income	237.64	235.8	217.4	197.56	163.1	77.65
Income Tax Expense	85.79	85.52	76.63	65.18	53	35.15
Earnings From Continuing Operations	151.86	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	149.65	147.45	136.73	129.5	105.62	36.61
Net Income to Common	149.65	147.45	136.73	129.5	105.62	36.61
Net Income Growth	7.83%	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)	0.48	0.47	0.43	0.41	0.34	0.12
EPS (Diluted)	0.48	0.47	0.43	0.41	0.34	0.12
EPS Growth	7.83%	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	36.10%	36.27%	35.25%	32.99%	32.50%	45.26%

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