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	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	500.85	491.37	458.52	396.77	283.71	223.19
Interest Paid on Deposits	286.82	281.76	258.09	224.29	116.49	65.68
Net Interest Income	214.03	209.62	200.43	172.48	167.22	157.51
Net Interest Income Growth	2.01%	4.58%	16.21%	3.14%	6.17%	13.41%
Gain (Loss) on Sale of Assets	-	1.29	-0.96	-	1.17	0.48
Gain (Loss) on Sale of Investments	4.79	2.31	2.26	2.26	-2.42	2.69
Gain (Loss) on Sale of Equity Investments	-0.02	-0.05	0.03	0.51	0.71	0.4
Other Non-Interest Income	58.3	52.25	46.75	41.18	32.5	26.14
Total Non-Interest Income	63.07	55.8	48.08	43.94	31.96	29.7
Non-Interest Income Growth	17.65%	16.05%	9.41%	37.51%	7.61%	8.30%
Revenues Before Loan Losses	277.1	265.41	248.51	216.42	199.18	187.2
Provision for Loan Losses	20.1	14.93	19.27	31.73	43.61	50.75
Revenue	257	250.48	229.24	184.69	155.57	136.45
Revenue Growth	3.67%	9.27%	24.12%	18.72%	14.01%	27.18%
Salaries and Employee Benefits	72.6	71.49	71.65	63.66	60.26	52.45
Occupancy Expenses	20.12	19.22	16.86	14.34	12.37	9.57
Selling, General & Administrative	45.04	44.77	38.2	33.16	28.75	25.8
Total Non-Interest Expense	137.76	135.48	126.71	111.16	101.38	87.82
EBT Excluding Unusual Items	119.24	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	121.39	117.16	100.2	75.14	56.38	49.21
Income Tax Expense	16.25	16.25	3.42	-3.08	2.11	1.26
Earnings From Continuing Operations	105.14	100.91	96.78	78.22	54.27	47.96
Minority Interest in Earnings	-1.58	-0.37	0.02	2.22	3.51	0.54
Net Income	103.56	100.54	96.8	80.44	57.79	48.49
Preferred Dividends & Other Adjustments	6.1	6.06	6.05	6.08	6.07	5.35
Net Income to Common	97.47	94.48	90.75	74.36	51.72	43.15
Net Income Growth	2.68%	4.11%	22.04%	43.78%	19.87%	47.58%
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	-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	2.69%	4.11%	22.05%	40.50%	14.64%	41.03%

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	0.006	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	13.39%	13.87%	3.41%	-	3.74%	2.55%