KWSE:ABK Income Statement

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

Millions KWD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	489.22	493.27	477.78	413.54	269.33	202.03
Interest Income on Investments	2.89	3.21	1.79	1.64	1.64	1.07
Total Interest Income	492.11	496.48	479.57	415.18	270.97	203.11
Interest Paid on Deposits	323.37	333.77	333.6	276.15	143.95	89.54
Net Interest Income	168.74	162.72	145.97	139.03	127.02	113.57
Net Interest Income Growth (YoY)	16.66%	11.47%	4.99%	9.46%	11.84%	6.24%
Gain (Loss) on Sale of Investments	4.92	4.41	1.86	1.22	1.91	2.05
Gain (Loss) on Sale of Equity Investments	3.52	3.65	3.65	3.05	3.38	2.43
Other Non-Interest Income	50.85	50.7	49.28	41.72	39.26	35.82
Total Non-Interest Income	59.3	58.75	54.78	45.99	44.55	40.3
Non-Interest Income Growth (YoY)	8.54%	7.26%	19.10%	3.23%	10.56%	16.57%
Revenues Before Loan Losses	228.04	221.47	200.75	185.02	171.57	153.86
Provision for Loan Losses	44.46	46.3	42.66	39.51	46.63	45.21
Revenue	183.58	175.17	158.09	145.51	124.94	108.65
Revenue Growth (YoY)	17.59%	10.81%	8.64%	16.46%	14.99%	2081.37%
Salaries and Employee Benefits	56.05	54.94	50.78	48.41	45.83	38.86
Occupancy Expenses	6.2	5.97	5.52	5.84	7.11	6.74
Selling, General & Administrative	0.99	0.99	0.81	0.87	0.76	0.57
Other Non-Interest Expense	38.14	36.03	37.04	33.67	28.12	26.14
Total Non-Interest Expense	101.38	97.93	94.15	88.79	81.82	72.3
EBT Excluding Unusual Items	82.2	77.24	63.94	56.72	43.12	36.35
Asset Writedown	-	-	-	-	-0.8	-0.54
Pretax Income	82.2	77.24	63.94	56.72	42.32	35.81
Income Tax Expense	16.75	14.27	11.21	11.28	9.94	8.42
Earnings From Continuing Operations	65.45	62.97	52.74	45.45	32.38	27.4
Minority Interest in Earnings	-0.39	-0.38	-0.32	-0.26	-0.09	-0.18
Net Income	65.06	62.59	52.41	45.19	32.29	27.21
Preferred Dividends & Other Adjustments	5.98	5.98	-	6.73	6.72	6.6
Net Income to Common	59.08	56.61	52.41	38.46	25.57	20.62
Net Income Growth	21.42%	19.42%	16.00%	39.93%	18.67%	-
Basic Shares Outstanding	2,703	2,731	2,731	2,388	2,152	2,152
Diluted Shares Outstanding	2,703	2,731	2,731	2,388	2,152	2,152
Shares Change (YoY)	-4.58%	-	14.38%	10.95%	-	-
EPS (Basic)	0.02	0.02	0.02	0.02	0.01	0.01
EPS (Diluted)	0.02	0.02	0.02	0.02	0.01	0.01
EPS Growth	15.54%	8.00%	19.16%	35.57%	24.03%	-
Dividend Per Share	0.009	0.009	0.009	0.008	0.007	0.004
Dividend Growth	5.56%	5.56%	15.38%	18.18%	69.23%	-
Effective Tax Rate	20.38%	18.48%	17.52%	19.88%	23.49%	23.50%

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