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

ASE: THBK Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	641.35	641.58	836.1	1,215	1,268	1,225
Investment Securities	3,058	2,867	2,657	2,419	2,259	2,271
Trading Asset Securities	4.58	5.38	8.08	5.4	4.71	3.67
Total Investments	3,063	2,872	2,665	2,425	2,264	2,275
Gross Loans	5,289	5,081	4,846	4,533	4,654	4,599
Allowance for Loan Losses	-433.43	-450.9	-432.2	-453.47	-431.23	-333.61
Other Adjustments to Gross Loans	-150.53	-156.15	-142.7	-132.85	-115.11	-106.32
Net Loans	4,705	4,474	4,271	3,947	4,107	4,159
Property, Plant & Equipment	183.53	180.55	178.78	190.44	199.18	211.58
Goodwill	-	0.36	0.36	0.36	0.36	0.36
Other Intangible Assets	22.42	21.86	21.22	19.57	18.64	23.22
Accrued Interest Receivable	48.63	40.64	35.14	31.05	29.82	29.79
Other Receivables	14.98	10.9	18.41	11.36	14.98	13.13
Restricted Cash	243.44	235.16	216.54	202.35	218.83	341.88
Other Current Assets	10.54	5.51	4.54	3.9	2.99	3.87
Long-Term Deferred Tax Assets	117.82	125.04	128.59	122.2	105.24	77.27
Other Real Estate Owned & Foreclosed	129.58	58.14	63.18	64.49	66.13	64.41
Other Long-Term Assets	13.71	10.99	19.96	12.75	10.76	14.62
Total Assets	9,194	8,677	8,459	8,245	8,306	8,439
Accounts Payable	1.88	2.74	5.83	5.18	5.13	3.02
Accrued Expenses	22.76	24.19	30.49	20.96	18.83	17.65
Interest Bearing Deposits	5,349	4,905	4,598	4,649	4,546	4,917
Non-Interest Bearing Deposits	1,441	1,462	1,590	1,443	1,724	1,650
Total Deposits	6,790	6,367	6,188	6,091	6,270	6,567
Short-Term Borrowings	3.49	2.33	2.05	0.61	2.55	0.38
Current Portion of Long-Term Debt	-	165.3	171.15	169.33	147.77	67.37
Current Portion of Leases	-	5.06	2.6	2.07	2.31	2.08
Current Income Taxes Payable	44.38	61.68	53.42	55.82	39.61	43.16
Accrued Interest Payable	40.76	38.11	22.06	9.76	12.66	22.4
Other Current Liabilities	34.32	222.91	212.02	199.58	176.24	216.5
Long-Term Debt	307.43	131.78	227.63	192.93	166.8	90.94
Long-Term Leases	23.27	16.01	18.51	21.61	22.06	24.66
Long-Term Unearned Revenue	4.16	4.97	5.06	3.69	2.01	0.95
Pension & Post-Retirement Benefits	-	11.56	10.07	7.35	6.44	7.86
Long-Term Deferred Tax Liabilities	9.26	5.24	3.9	6.85	8.98	6.57
Other Long-Term Liabilities	530.21	289.45	243.88	241.28	262.61	244.69
Total Liabilities	7,812	7,349	7,200	7,028	7,144	7,315
Common Stock	315	315	315	315	315	315
Additional Paid-In Capital	328.15	328.15	328.15	328.15	328.15	328.15
Retained Earnings	798.73	761.01	703.14	636.64	568.82	532.21
Comprehensive Income & Other	-121.12	-134.75	-145.4	-124.67	-111.17	-107.05
Total Common Equity	1,321	1,269	1,201	1,155	1,101	1,068
Minority Interest	60.82	58.45	58.17	61.68	61.06	55.51
Shareholders' Equity	1,382	1,328	1,259	1,217	1,162	1,124
Total Liabilities & Equity	9,194	8,677	8,459	8,245	8,306	8,439
Total Debt	334.19	320.49	421.94	386.56	341.5	185.43
Net Cash (Debt)	360.9	371.22	478.88	884.87	984.47	1,100
Net Cash Growth	-19.08%	-22.48%	-45.88%	-10.12%	-10.48%	-15.65%
Net Cash Per Share	1.15	1.18	1.52	2.81	3.13	3.49
Filing Date Shares Outstanding	315	315	315	315	315	315
Total Common Shares Outstanding	315	315	315	315	315	315
Book Value Per Share	4.19	4.03	3.81	3.67	3.49	3.39
Tangible Book Value	1,298	1,247	1,179	1,135	1,082	1,045
Tangible Book Value Per Share	4.12	3.96	3.74	3.60	3.43	3.32

Source: S&P Capital IQ. Banks template. Financial Sources.