KWSE:ABK Income Statement

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

Millions KWD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	493.27	477.78	413.54	269.33	202.03
Interest Income on Investments	3.21	1.79	1.64	1.64	1.07
Total Interest Income	496.48	479.57	415.18	270.97	203.11
Interest Paid on Deposits	333.77	333.6	276.15	143.95	89.54
Net Interest Income	162.72	145.97	139.03	127.02	113.57
Net Interest Income Growth (YoY)	11.47%	4.99%	9.46%	11.84%	6.24%
Gain (Loss) on Sale of Investments	4.41	1.86	1.22	1.91	2.05
Gain (Loss) on Sale of Equity Investments	3.65	3.65	3.05	3.38	2.43
Other Non-Interest Income	50.7	49.28	41.72	39.26	35.82
Total Non-Interest Income	58.75	54.78	45.99	44.55	40.3
Non-Interest Income Growth (YoY)	7.26%	19.10%	3.23%	10.56%	16.57%
Revenues Before Loan Losses	221.47	200.75	185.02	171.57	153.86
Provision for Loan Losses	46.3	42.66	39.51	46.63	45.21
Revenue	175.17	158.09	145.51	124.94	108.65
Revenue Growth (YoY)	10.81%	8.64%	16.46%	14.99%	2081.37%
Salaries and Employee Benefits	54.94	50.78	48.41	45.83	38.86
Occupancy Expenses	5.97	5.52	5.84	7.11	6.74
Selling, General & Administrative	0.99	0.81	0.87	0.76	0.57
Other Non-Interest Expense	36.03	37.04	33.67	28.12	26.14
Total Non-Interest Expense	97.93	94.15	88.79	81.82	72.3
EBT Excluding Unusual Items	77.24	63.94	56.72	43.12	36.35
Asset Writedown	-	-	-	-0.8	-0.54
Pretax Income	77.24	63.94	56.72	42.32	35.81
Income Tax Expense	14.27	11.21	11.28	9.94	8.42
Earnings From Continuing Operations	62.97	52.74	45.45	32.38	27.4
Minority Interest in Earnings	-0.38	-0.32	-0.26	-0.09	-0.18
Net Income	62.59	52.41	45.19	32.29	27.21
Preferred Dividends & Other Adjustments	5.98	-	6.73	6.72	6.6
Net Income to Common	56.61	52.41	38.46	25.57	20.62
Net Income Growth	19.42%	16.00%	39.93%	18.67%	-
Basic Shares Outstanding	2,601	2,601	2,274	2,050	2,050
Diluted Shares Outstanding	2,601	2,601	2,274	2,050	2,050
Shares Change (YoY)	-	14.38%	10.95%	-	-
EPS (Basic)	0.02	0.02	0.02	0.01	0.01
EPS (Diluted)	0.02	0.02	0.02	0.01	0.01
EPS Growth	8.01%	19.16%	35.57%	24.03%	-
Dividend Per Share	0.010	0.009	0.008	0.007	0.004
Dividend Growth	5.26%	15.85%	18.84%	68.29%	-
Effective Tax Rate	18.48%	17.52%	19.88%	23.49%	23.50%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.