Boubyan Bank K.S.C.P. (KWSE:BOUBYAN)

Boubyan Bank K.S.C.P. Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	496.65	491.37	458.52	396.77	283.71	223.19
Interest Paid on Deposits	284.04	281.76	258.09	224.29	116.49	65.68
Net Interest Income	212.61	209.62	200.43	172.48	167.22	157.51
Net Interest Income Growth (YoY)	4.71%	4.58%	16.21%	3.14%	6.17%	13.41%
Gain (Loss) on Sale of Assets	1.08	1.29	-0.96	-	1.17	0.48
Gain (Loss) on Sale of Investments	3.57	2.31	2.26	2.26	-2.42	2.69
Gain (Loss) on Sale of Equity Investments	-0.13	-0.05	0.03	0.51	0.71	0.4
Other Non-Interest Income	52.97	52.25	46.75	41.18	32.5	26.14
Total Non-Interest Income	57.48	55.8	48.08	43.94	31.96	29.7
Non-Interest Income Growth (YoY)	16.74%	16.05%	9.41%	37.51%	7.61%	8.30%
Revenues Before Loan Losses	270.09	265.41	248.51	216.42	199.18	187.2
Provision for Loan Losses	15.3	14.93	19.27	31.73	43.61	50.75
Revenue	254.8	250.48	229.24	184.69	155.57	136.45
Revenue Growth (YoY)	8.18%	9.27%	24.12%	18.72%	14.01%	27.18%
Salaries and Employee Benefits	73.33	71.49	71.65	63.66	60.26	52.45
Occupancy Expenses	19.63	19.22	16.86	14.34	12.37	9.57
Selling, General & Administrative	45.67	44.77	38.2	33.16	28.75	25.8
Total Non-Interest Expense	138.63	135.48	126.71	111.16	101.38	87.82
EBT Excluding Unusual Items	116.17	115.01	102.53	73.53	54.2	48.64
Asset Writedown	2.15	2.15	-2.33	1.61	2.18	0.58
Pretax Income	118.32	117.16	100.2	75.14	56.38	49.21
Income Tax Expense	17.26	16.25	3.42	-3.08	2.11	1.26
Earnings From Continuing Operations	101.07	100.91	96.78	78.22	54.27	47.96
Minority Interest in Earnings	-0.61	-0.37	0.02	2.22	3.51	0.54
Net Income	100.46	100.54	96.8	80.44	57.79	48.49
Preferred Dividends & Other Adjustments	6.07	6.06	6.05	6.08	6.07	5.35
Net Income to Common	94.39	94.48	90.75	74.36	51.72	43.15
Net Income Growth	2.21%	3.86%	20.34%	39.20%	19.16%	40.88%
Basic Shares Outstanding	4,719	4,719	4,719	4,719	4,611	4,410
Diluted Shares Outstanding	4,719	4,719	4,719	4,719	4,611	4,410
Shares Change (YoY)	-0.00%	-0.00%	-0.00%	2.34%	4.56%	4.65%
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	2.34%	4.11%	22.05%	40.50%	14.64%	41.03%
Dividend Per Share	0.006	0.006	0.009	0.007	0.005	0.004
Dividend Growth	-26.97%	-26.97%	32.84%	42.55%	23.68%	-
Effective Tax Rate	14.58%	13.87%	3.41%	-	3.74%	2.55%

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