KWSE:ABK Income Statement

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

Millions KWD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	489.88	471.44	413.54	269.33	202.03	205.11
Interest Income on Investments	2.87	1.79	1.64	1.64	1.07	1.45
Total Interest Income	492.75	473.24	415.18	270.97	203.11	206.55
Interest Paid on Deposits	337.5	327.26	276.15	143.95	89.54	99.65
Net Interest Income	155.25	145.97	139.03	127.02	113.57	106.9
Net Interest Income Growth (YoY)	6.26%	4.99%	9.46%	11.84%	6.24%	-17.37%
Gain (Loss) on Sale of Investments	4.36	1.86	1.22	1.91	2.05	0.43
Gain (Loss) on Sale of Equity Investments	3.73	3.65	3.05	3.38	2.43	1.97
Other Non-Interest Income	47.65	49.28	41.72	39.26	35.82	32.17
Total Non-Interest Income	59.79	54.78	45.99	44.55	40.3	34.57
Non-Interest Income Growth (YoY)	10.80%	19.10%	3.23%	10.56%	16.57%	-19.86%
Revenues Before Loan Losses	215.04	200.75	185.02	171.57	153.86	141.46
Provision for Loan Losses	47.7	42.66	39.51	46.63	45.21	136.48
Revenue	167.34	158.09	145.51	124.94	108.65	4.98
Revenue Growth (YoY)	5.18%	8.64%	16.46%	14.99%	2081.37%	-95.06%
Salaries and Employee Benefits	53.53	50.78	48.41	45.83	38.86	35.61
Occupancy Expenses	5.84	5.52	5.84	7.11	6.74	6.94
Selling, General & Administrative	0.81	0.81	0.87	0.76	0.57	-
Other Non-Interest Expense	33.77	37.04	33.67	28.12	26.14	25.46
Total Non-Interest Expense	93.95	94.15	88.79	81.82	72.3	68.01
EBT Excluding Unusual Items	73.4	63.94	56.72	43.12	36.35	-63.03
Asset Writedown	-	-	-	-0.8	-0.54	-
Pretax Income	73.4	63.94	56.72	42.32	35.81	-63.03
Income Tax Expense	12.86	11.21	11.28	9.94	8.42	6.48
Earnings From Continuing Operations	60.54	52.74	45.45	32.38	27.4	-69.51
Minority Interest in Earnings	-0.33	-0.32	-0.26	-0.09	-0.18	-0.18
Net Income	60.21	52.41	45.19	32.29	27.21	-69.68
Preferred Dividends & Other Adjustments	5.98	-	6.73	6.72	6.6	6.72
Net Income to Common	54.23	52.41	38.46	25.57	20.62	-76.4
Net Income Growth	17.20%	16.00%	39.93%	18.67%	-	-
Basic Shares Outstanding	2,601	2,601	2,274	2,050	2,050	2,050
Diluted Shares Outstanding	2,601	2,601	2,274	2,050	2,050	2,050
Shares Change (YoY)	-0.49%	14.38%	10.95%	-	-	-0.02%
EPS (Basic)	0.02	0.02	0.02	0.01	0.01	-0.04
EPS (Diluted)	0.02	0.02	0.02	0.01	0.01	-0.04
EPS Growth	6.08%	19.16%	35.57%	24.03%	-	-
Dividend Per Share	0.009	0.009	0.008	0.007	0.004	-
Dividend Growth	15.85%	15.85%	18.84%	68.29%	-	-
Effective Tax Rate	17.52%	17.52%	19.88%	23.49%	23.50%	-

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.