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 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
Cash & Equivalents	776.11	877.67	641.58	836.1	1,215	1,268
Investment Securities	3,305	3,046	2,867	2,657	2,419	2,259
Trading Asset Securities	5.52	6.06	5.38	8.08	5.4	4.71
Total Investments	3,311	3,052	2,872	2,665	2,425	2,264
Gross Loans	5,246	5,104	5,081	4,846	4,533	4,654
Allowance for Loan Losses	-421.4	-438.56	-450.9	-432.2	-453.47	-431.23
Other Adjustments to Gross Loans	-132.24	-151.54	-156.15	-142.7	-132.85	-115.11
Net Loans	4,692	4,514	4,474	4,271	3,947	4,107
Property, Plant & Equipment	174.83	181.26	180.55	178.78	190.44	199.18
Goodwill	-	0.36	0.36	0.36	0.36	0.36
Other Intangible Assets	20.19	20.57	21.86	21.22	19.57	18.64
Accrued Interest Receivable	54.85	45.34	40.64	35.14	31.05	29.82
Other Receivables	12.22	10.42	10.9	18.41	11.36	14.98
Restricted Cash	244.84	237.28	235.16	216.54	202.35	218.83
Other Current Assets	14.33	7.49	5.51	4.54	3.9	2.99
Long-Term Deferred Tax Assets	99	117.03	125.04	128.59	122.2	105.24
Other Real Estate Owned & Foreclosed	152.78	149.9	58.14	63.18	64.49	66.13
Other Long-Term Assets	15.48	13.71	10.99	19.96	12.75	10.76
Total Assets	9,568	9,227	8,677	8,459	8,245	8,306
Accounts Payable	4.66	6.53	2.74	5.83	5.18	5.13
Accrued Expenses	21.61	27.5	24.19	30.49	20.96	18.83
Interest Bearing Deposits	5,497	5,315	4,905	4,598	4,615	4,546
Non-Interest Bearing Deposits	1,489	1,498	1,462	1,590	1,443	1,724
Total Deposits	6,985	6,813	6,367	6,188	6,058	6,270
Short-Term Borrowings	2.92	0.16	2.33	2.05	0.61	2.55
Current Portion of Long-Term Debt	-	138.83	165.3	171.15	169.33	147.77
Current Portion of Leases	-	2.14	5.06	2.6	2.07	2.31
Current Income Taxes Payable	37.06	57.01	61.68	53.42	55.82	39.61
Accrued Interest Payable	30.97	37.2	38.11	22.06	9.76	12.66
Other Current Liabilities	38.01	225.12	222.91	212.02	199.58	176.24
Long-Term Debt	333.8	158.7	131.78	227.63	192.93	166.8
Long-Term Leases	19.49	21.02	16.01	18.51	21.61	22.06
Long-Term Unearned Revenue	4.9	4.07	4.97	5.06	3.69	2.01
Pension & Post-Retirement Benefits	-	13.22	11.56	10.07	7.35	6.44
Long-Term Deferred Tax Liabilities	15.43	9.57	5.24	3.9	6.85	8.98
Other Long-Term Liabilities	622.77	307.18	289.45	243.88	274.92	262.61
Total Liabilities	8,117	7,823	7,349	7,200	7,028	7,144
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	852.43	829.71	761.01	703.14	636.64	568.82
Comprehensive Income & Other	-106.23	-128.44	-134.75	-145.4	-124.67	-111.17
Total Common Equity	1,389	1,344	1,269	1,201	1,155	1,101
Minority Interest	61.83	59.31	58.45	58.17	61.68	61.06
Shareholders' Equity	1,451	1,404	1,328	1,259	1,217	1,162
Total Liabilities & Equity	9,568	9,227	8,677	8,459	8,245	8,306
Total Debt	356.21	320.85	320.49	421.94	386.56	341.5
Net Cash (Debt)	472.51	616.36	371.22	478.88	884.87	984.47
Net Cash Growth	30.93%	66.04%	-22.48%	-45.88%	-10.12%	-10.48%
Net Cash Per Share	1.50	1.96	1.18	1.52	2.81	3.13
Filing Date Shares Outstanding	315	315	315	315	315	315
Total Common Shares Outstanding	315	315	315	315	315	315
Book Value Per Share	4.41	4.27	4.03	3.81	3.67	3.49
Tangible Book Value	1,369	1,323	1,247	1,179	1,135	1,082
Tangible Book Value Per Share	4.35	4.20	3.96	3.74	3.60	3.43

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