KWSE:CBK Income Statement

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

Millions KWD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	245.05	237.71	217.51	130.89	98.18
Interest Income on Investments	5.54	3.74	3.75	3.2	3.65
Total Interest Income	250.59	241.45	221.26	134.09	101.83
Interest Paid on Deposits	124.81	120.05	104.46	45.34	23.93
Net Interest Income	125.77	121.4	116.8	88.75	77.9
Net Interest Income Growth (YoY)	3.60%	3.94%	31.61%	13.93%	-5.68%
Gain (Loss) on Sale of Investments	0.08	0.12	0.11	0.05	0.79
Other Non-Interest Income	63.03	58.45	53.26	51.06	46.17
Total Non-Interest Income	63.11	58.57	53.37	51.11	46.96
Non-Interest Income Growth (YoY)	7.75%	9.74%	4.42%	8.84%	-4.17%
Revenues Before Loan Losses	188.88	179.97	170.17	139.87	124.86
Provision for Loan Losses	-4.24	-47.71	0.14	25.79	24.15
Revenue	193.12	227.68	170.03	114.08	100.72
Revenue Growth (YoY)	-15.18%	33.90%	49.05%	13.27%	150.52%
Salaries and Employee Benefits	36.61	35.6	28.86	17.87	27.15
Occupancy Expenses	2.26	1.56	2.73	1.91	1.99
Selling, General & Administrative	26.63	25.83	22.04	17.31	14.42
Total Non-Interest Expense	65.5	62.99	53.62	37.09	43.56
EBT Excluding Unusual Items	127.63	164.69	116.41	76.98	57.16
Pretax Income	127.63	164.69	116.41	76.98	57.16
Income Tax Expense	6.42	7.46	5.24	3.37	2.42
Earnings From Continuing Operations	121.2	157.23	111.18	73.61	54.74
Minority Interest in Earnings	-0.05	-0.03	-0.03	-0.03	-0.1
Net Income	121.15	157.2	111.15	73.59	54.64
Net Income to Common	121.15	157.2	111.15	73.59	54.64
Net Income Growth	-22.93%	41.43%	51.05%	34.68%	-
Basic Shares Outstanding	1,973	1,972	2,042	2,174	2,161
Diluted Shares Outstanding	1,973	1,972	2,042	2,174	2,161
Shares Change (YoY)	0.05%	-3.40%	-6.08%	0.59%	-1.00%
EPS (Basic)	0.06	0.08	0.05	0.03	0.03
EPS (Diluted)	0.06	0.08	0.05	0.03	0.03
EPS Growth	-22.96%	46.40%	60.83%	33.89%	-
Dividend Per Share	0.037	0.047	0.034	0.023	0.018
Dividend Growth	-21.78%	40.77%	48.02%	24.73%	-
Effective Tax Rate	5.03%	4.53%	4.50%	4.38%	4.24%

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