Boubyan Bank K.S.C.P. 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	498.9	491.37	458.52	396.77	283.71	223.19
Interest Paid on Deposits	284.92	281.76	258.09	224.29	116.49	65.68
Net Interest Income	213.98	209.62	200.43	172.48	167.22	157.51
Net Interest Income Growth (YoY)	3.01%	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	5.48	2.31	2.26	2.26	-2.42	2.69
Gain (Loss) on Sale of Equity Investments	-0.14	-0.05	0.03	0.51	0.71	0.4
Other Non-Interest Income	54.13	52.25	46.75	41.18	32.5	26.14
Total Non-Interest Income	60.55	55.8	48.08	43.94	31.96	29.7
Non-Interest Income Growth (YoY)	22.36%	16.05%	9.41%	37.51%	7.61%	8.30%
Revenues Before Loan Losses	274.52	265.41	248.51	216.42	199.18	187.2
Provision for Loan Losses	16.63	14.93	19.27	31.73	43.61	50.75
Revenue	257.89	250.48	229.24	184.69	155.57	136.45
Revenue Growth (YoY)	7.03%	9.27%	24.12%	18.72%	14.01%	27.18%
Salaries and Employee Benefits	73.64	71.49	71.65	63.66	60.26	52.45
Occupancy Expenses	19.83	19.22	16.86	14.34	12.37	9.57
Selling, General & Administrative	44.7	44.77	38.2	33.16	28.75	25.8
Total Non-Interest Expense	138.17	135.48	126.71	111.16	101.38	87.82
EBT Excluding Unusual Items	119.72	115.01	102.53	73.53	54.2	48.64
Asset Writedown	1.04	2.15	-2.33	1.61	2.18	0.58
Pretax Income	120.76	117.16	100.2	75.14	56.38	49.21
Income Tax Expense	16.3	16.25	3.42	-3.08	2.11	1.26
Earnings From Continuing Operations	104.46	100.91	96.78	78.22	54.27	47.96
Minority Interest in Earnings	-1.5	-0.37	0.02	2.22	3.51	0.54
Net Income	102.96	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	96.88	94.48	90.75	74.36	51.72	43.15
Net Income Growth	3.48%	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	3.69%	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	13.50%	13.87%	3.41%	-	3.74%	2.55%