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	Sep '26 Sep 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	481.26	493.27	477.78	413.54	269.33	202.03
Interest Income on Investments	2.29	3.21	1.79	1.64	1.64	1.07
Total Interest Income	483.55	496.48	479.57	415.18	270.97	203.11
Interest Paid on Deposits	308.58	333.77	333.6	276.15	143.95	89.54
Net Interest Income	174.97	162.72	145.97	139.03	127.02	113.57
Net Interest Income Growth	12.70%	11.47%	4.99%	9.46%	11.84%	6.24%
Gain (Loss) on Sale of Investments	4.25	4.41	1.86	1.22	1.91	2.05
Gain (Loss) on Sale of Equity Investments	3.38	3.65	3.65	3.05	3.38	2.43
Other Non-Interest Income	51.26	50.7	49.28	41.72	39.26	35.82
Total Non-Interest Income	58.89	58.75	54.78	45.99	44.55	40.3
Non-Interest Income Growth	-1.50%	7.26%	19.10%	3.23%	10.56%	16.57%
Revenues Before Loan Losses	233.87	221.47	200.75	185.02	171.57	153.86
Provision for Loan Losses	39.15	46.3	42.66	39.51	46.63	45.21
Revenue	194.72	175.17	158.09	145.51	124.94	108.65
Revenue Growth	16.36%	10.81%	8.64%	16.46%	14.99%	2081.37%
Salaries and Employee Benefits	60.11	54.94	50.78	48.41	45.83	38.86
Occupancy Expenses	6.54	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	37.41	36.03	37.04	33.67	28.12	26.14
Total Non-Interest Expense	105.05	97.93	94.15	88.79	81.82	72.3
EBT Excluding Unusual Items	89.67	77.24	63.94	56.72	43.12	36.35
Asset Writedown	-	-	-	-	-0.8	-0.54
Pretax Income	89.67	77.24	63.94	56.72	42.32	35.81
Income Tax Expense	19.1	14.27	11.21	11.28	9.94	8.42
Earnings From Continuing Operations	70.57	62.97	52.74	45.45	32.38	27.4
Minority Interest in Earnings	-0.41	-0.38	-0.32	-0.26	-0.09	-0.18
Net Income	70.16	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	64.18	56.61	52.41	38.46	25.57	20.62
Net Income Growth	6.59%	8.00%	36.29%	50.41%	24.02%	-
Basic Shares Outstanding	2,693	2,731	2,731	2,388	2,152	2,152
Diluted Shares Outstanding	2,693	2,731	2,731	2,388	2,152	2,152
Shares Change	-11.10%	-	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	19.90%	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	Sep '26 Sep 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	21.30%	18.48%	17.52%	19.88%	23.49%	23.50%