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	Jun '26 Jun 30, 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	482.9	493.27	477.78	413.54	269.33	202.03
Interest Income on Investments	3.19	3.21	1.79	1.64	1.64	1.07
Total Interest Income	486.09	496.48	479.57	415.18	270.97	203.11
Interest Paid on Deposits	312.38	333.77	333.6	276.15	143.95	89.54
Net Interest Income	173.7	162.72	145.97	139.03	127.02	113.57
Net Interest Income Growth	16.72%	11.47%	4.99%	9.46%	11.84%	6.24%
Gain (Loss) on Sale of Investments	5.86	4.41	1.86	1.22	1.91	2.05
Gain (Loss) on Sale of Equity Investments	3.42	3.65	3.65	3.05	3.38	2.43
Other Non-Interest Income	52.93	50.7	49.28	41.72	39.26	35.82
Total Non-Interest Income	58.16	58.75	54.78	45.99	44.55	40.3
Non-Interest Income Growth	-2.78%	7.26%	19.10%	3.23%	10.56%	16.57%
Revenues Before Loan Losses	231.86	221.47	200.75	185.02	171.57	153.86
Provision for Loan Losses	41.83	46.3	42.66	39.51	46.63	45.21
Revenue	190.03	175.17	158.09	145.51	124.94	108.65
Revenue Growth	18.96%	10.81%	8.64%	16.46%	14.99%	2081.37%
Salaries and Employee Benefits	57.85	54.94	50.78	48.41	45.83	38.86
Occupancy Expenses	6.4	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	38.17	36.03	37.04	33.67	28.12	26.14
Total Non-Interest Expense	103.41	97.93	94.15	88.79	81.82	72.3
EBT Excluding Unusual Items	86.62	77.24	63.94	56.72	43.12	36.35
Asset Writedown	-	-	-	-	-0.8	-0.54
Pretax Income	86.62	77.24	63.94	56.72	42.32	35.81
Income Tax Expense	18.27	14.27	11.21	11.28	9.94	8.42
Earnings From Continuing Operations	68.34	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	67.95	62.59	52.41	45.19	32.29	27.21
Preferred Dividends & Other Adjustments	5.97	5.98	-	6.73	6.72	6.6
Net Income to Common	61.98	56.61	52.41	38.46	25.57	20.62
Net Income Growth	19.00%	8.00%	36.29%	50.41%	24.02%	-
Basic Shares Outstanding	2,731	2,731	2,731	2,388	2,152	2,152
Diluted Shares Outstanding	2,731	2,731	2,731	2,388	2,152	2,152
Shares Change	-	-	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	19.00%	8.00%	19.16%	35.57%	24.03%	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
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	21.10%	18.48%	17.52%	19.88%	23.49%	23.50%