KWSE:ALMANAR 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 and Dividend Income	2.41	2.18	2.13	1.71	2	2.38
Total Interest Expense	1.06	1.01	0.78	0.28	0.18	0.36
Net Interest Income	1.35	1.17	1.35	1.43	1.83	2.02
Gain (Loss) on Sale of Investments	0.46	0.27	0.36	-0.13	0.31	-0.4
Other Revenue	1.11	1.3	0.81	0.44	0.4	0.36
Revenue Before Loan Losses	2.92	2.74	2.52	1.74	2.54	1.98
Provision for Loan Losses	0.03	-0	0.12	-1.05	-0.61	3.53
Revenue	2.89	2.74	2.4	2.79	3.14	-1.55
Revenue Growth (YoY)	2.03%	13.98%	-13.74%	-11.35%	-	-
Salaries & Employee Benefits	0.7	0.74	0.76	0.74	0.94	0.92
Other Operating Expenses	0.46	0.54	0.62	0.49	0.81	0.56
Total Operating Expenses	1.16	1.28	1.38	1.23	1.74	1.49
Operating Income	1.74	1.46	1.03	1.56	1.4	-3.04
EBT Excluding Unusual Items	1.74	1.46	1.03	1.56	1.4	-3.48
Other Unusual Items	0.02	0.02	1.48	-0.01	-0	-
Pretax Income	1.96	1.69	2.41	1.58	1.37	-3.6
Income Tax Expense	0.02	0.01	0.03	0.02	0.01	-
Earnings From Continuing Ops.	1.94	1.67	2.38	1.57	1.36	-3.6
Minority Interest in Earnings	-0.21	-0.26	-0.5	-	-	-
Net Income	1.73	1.41	1.88	1.57	1.36	-3.6
Net Income to Common	1.73	1.41	1.88	1.57	1.36	-3.6
Net Income Growth	-17.27%	-25.18%	20.15%	15.04%	-	-
Shares Outstanding (Basic)	263	264	264	283	264	264
Shares Outstanding (Diluted)	263	264	264	283	264	264
Shares Change (YoY)	-0.22%	-	-6.96%	7.50%	-0.03%	-
EPS (Basic)	0.01	0.01	0.01	0.01	0.01	-0.01
EPS (Diluted)	0.01	0.01	0.01	0.01	0.01	-0.01
EPS Growth	-17.09%	-25.18%	29.14%	7.01%	-	-
Dividend Per Share	0.003	0.003	0.003	0.003	-	-
Operating Margin	60.01%	53.33%	42.63%	55.91%	44.51%	-
Profit Margin	59.87%	51.42%	78.33%	56.23%	43.33%	-
Effective Tax Rate	0.92%	0.82%	1.05%	0.95%	0.83%	-
Revenue as Reported	4.48	4.25	4.9	-	2.72	2.34

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