KWSE:CBK 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	Mar '26 Mar 31, 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	249.1	245.05	237.71	217.51	130.89	98.18
Interest Income on Investments	6.48	5.54	3.74	3.75	3.2	3.65
Total Interest Income	255.58	250.59	241.45	221.26	134.09	101.83
Interest Paid on Deposits	128.04	124.81	120.05	104.46	45.34	23.93
Net Interest Income	127.54	125.77	121.4	116.8	88.75	77.9
Net Interest Income Growth (YoY)	5.73%	3.60%	3.94%	31.61%	13.93%	-5.68%
Gain (Loss) on Sale of Investments	0.09	0.08	0.12	0.11	0.05	0.79
Other Non-Interest Income	64.73	63.03	58.45	53.26	51.06	46.17
Total Non-Interest Income	64.82	63.11	58.57	53.37	51.11	46.96
Non-Interest Income Growth (YoY)	11.52%	7.75%	9.74%	4.42%	8.84%	-4.17%
Revenues Before Loan Losses	192.36	188.88	179.97	170.17	139.87	124.86
Provision for Loan Losses	2.22	-4.24	-47.71	0.14	25.79	24.15
Revenue	190.14	193.12	227.68	170.03	114.08	100.72
Revenue Growth (YoY)	-16.33%	-15.18%	33.90%	49.05%	13.27%	150.52%
Salaries and Employee Benefits	36.35	36.61	35.6	28.86	17.87	27.15
Occupancy Expenses	2.23	2.26	1.56	2.73	1.91	1.99
Selling, General & Administrative	27.61	26.63	25.83	22.04	17.31	14.42
Total Non-Interest Expense	66.19	65.5	62.99	53.62	37.09	43.56
EBT Excluding Unusual Items	123.95	127.63	164.69	116.41	76.98	57.16
Pretax Income	123.95	127.63	164.69	116.41	76.98	57.16
Income Tax Expense	6.75	6.42	7.46	5.24	3.37	2.42
Earnings From Continuing Operations	117.2	121.2	157.23	111.18	73.61	54.74
Minority Interest in Earnings	-0.05	-0.05	-0.03	-0.03	-0.03	-0.1
Net Income	117.15	121.15	157.2	111.15	73.59	54.64
Net Income to Common	117.15	121.15	157.2	111.15	73.59	54.64
Net Income Growth	-25.35%	-22.93%	41.43%	51.05%	34.68%	-
Basic Shares Outstanding	1,973	1,973	1,972	2,042	2,174	2,161
Diluted Shares Outstanding	1,973	1,973	1,972	2,042	2,174	2,161
Shares Change (YoY)	0.03%	0.05%	-3.40%	-6.08%	0.59%	-1.00%
EPS (Basic)	0.06	0.06	0.08	0.05	0.03	0.03
EPS (Diluted)	0.06	0.06	0.08	0.05	0.03	0.03
EPS Growth	-25.37%	-22.96%	46.40%	60.83%	33.89%	-
Dividend Per Share	0.037	0.037	0.047	0.034	0.023	0.018
Dividend Growth	-21.78%	-21.78%	40.77%	48.02%	24.73%	-
Effective Tax Rate	5.45%	5.03%	4.53%	4.50%	4.38%	4.24%