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

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	Jun 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	616.37	641.58	836.1	1,215	1,268	1,225
Investment Securities	2,970	2,867	2,657	2,419	2,259	2,271
Trading Asset Securities	5.59	5.38	8.08	5.4	4.71	3.67
Total Investments	2,976	2,872	2,665	2,425	2,264	2,275
Gross Loans	5,314	5,081	4,846	4,533	4,654	4,599
Allowance for Loan Losses	-439.76	-450.9	-432.2	-453.47	-431.23	-333.61
Other Adjustments to Gross Loans	-162.77	-156.15	-142.7	-132.85	-115.11	-106.32
Net Loans	4,711	4,474	4,271	3,947	4,107	4,159
Property, Plant & Equipment	180.8	180.55	178.78	190.44	199.18	211.58
Goodwill	-	0.36	0.36	0.36	0.36	0.36
Other Intangible Assets	22.58	21.86	21.22	19.57	18.64	23.22
Accrued Interest Receivable	43.76	40.64	35.14	31.05	29.82	29.79
Other Receivables	11.47	10.9	18.41	11.36	14.98	13.13
Restricted Cash	233.3	235.16	216.54	202.35	218.83	341.88
Other Current Assets	12.74	5.51	4.54	3.9	2.99	3.87
Long-Term Deferred Tax Assets	120.5	125.04	128.59	122.2	105.24	77.27
Other Real Estate Owned & Foreclosed	87.54	58.14	63.18	64.49	66.13	64.41
Other Long-Term Assets	12.13	10.99	19.96	12.75	10.76	14.62
Total Assets	9,028	8,677	8,459	8,245	8,306	8,439
Accounts Payable	2.61	2.74	5.83	5.18	5.13	3.02
Accrued Expenses	21.49	24.19	30.49	20.96	18.83	17.65
Interest Bearing Deposits	5,345	4,905	4,598	4,649	4,546	4,917
Non-Interest Bearing Deposits	1,372	1,462	1,590	1,443	1,724	1,650
Total Deposits	6,716	6,367	6,188	6,091	6,270	6,567
Short-Term Borrowings	0.13	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	29.55	61.68	53.42	55.82	39.61	43.16
Accrued Interest Payable	38.03	38.11	22.06	9.76	12.66	22.4
Other Current Liabilities	40.28	222.91	212.02	199.58	176.24	216.5
Long-Term Debt	285.75	131.78	227.63	192.93	166.8	90.94
Long-Term Leases	21.64	16.01	18.51	21.61	22.06	24.66
Long-Term Unearned Revenue	3.96	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	4.84	5.24	3.9	6.85	8.98	6.57
Other Long-Term Liabilities	538.15	289.45	243.88	241.28	262.61	244.69
Total Liabilities	7,703	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	760.41	761.01	703.14	636.64	568.82	532.21
Comprehensive Income & Other	-137.13	-134.75	-145.4	-124.67	-111.17	-107.05
Total Common Equity	1,266	1,269	1,201	1,155	1,101	1,068
Minority Interest	58.74	58.45	58.17	61.68	61.06	55.51
Shareholders' Equity	1,325	1,328	1,259	1,217	1,162	1,124
Total Liabilities & Equity	9,028	8,677	8,459	8,245	8,306	8,439
Total Debt	307.52	320.49	421.94	386.56	341.5	185.43
Net Cash (Debt)	332.34	371.22	478.88	884.87	984.47	1,100
Net Cash Growth	10.02%	-22.48%	-45.88%	-10.12%	-10.48%	-15.65%
Net Cash Per Share	1.06	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	4.02	4.03	3.81	3.67	3.49	3.39
Tangible Book Value	1,244	1,247	1,179	1,135	1,082	1,045
Tangible Book Value Per Share	3.95	3.96	3.74	3.60	3.43	3.32

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