KWSE:FACIL Income Statement

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

Millions KWD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest and Dividend Income	15.46	15.01	14.43	13.01	13.21	15.93
Total Interest Expense	5.32	5.38	5.15	3.66	2.34	3.46
Net Interest Income	10.14	9.64	9.29	9.36	10.87	12.47
Gain (Loss) on Sale of Investments	7.67	4.77	1.01	3.8	5.21	0.24
Other Revenue	1.59	1.55	1.24	1.37	1.05	0.72
Revenue Before Loan Losses	19.4	16.54	11.53	14.52	17.12	13.43
Provision for Loan Losses	-1.4	-1.95	-1.52	-2.9	-1.83	7.23
Revenue	20.8	18.49	13.06	17.42	18.95	6.2
Revenue Growth (YoY)	15.53%	41.60%	-25.06%	-8.06%	205.69%	-65.33%
Salaries & Employee Benefits	4.44	3.48	2.95	3.24	2.57	2.25
Cost of Services Provided	1.14	1.29	1.1	1.44	1.38	1.18
Other Operating Expenses	0.47	0.43	0.27	0.41	0.51	-
Total Operating Expenses	6.06	5.2	4.33	5.09	4.46	3.43
Operating Income	14.74	13.29	8.73	12.33	14.5	2.77
Currency Exchange Gain (Loss)	0.04	0.1	-0.04	0.16	-0.03	-0.05
EBT Excluding Unusual Items	13.53	12.15	8.45	10.35	14.32	2.72
Gain (Loss) on Sale of Investments	-0.05	-0.05	-0.01	0.03	-	-
Other Unusual Items	-	-	-	-	-	-3.21
Pretax Income	13.45	12.07	8.48	10.37	14.23	-0.64
Earnings From Continuing Ops.	13.45	12.07	8.48	10.37	14.23	-0.64
Minority Interest in Earnings	-0.02	-0.02	-0	-0.01	-0.01	-0.01
Net Income	13.43	12.06	8.48	10.36	14.23	-0.65
Net Income to Common	13.43	12.06	8.48	10.36	14.23	-0.65
Net Income Growth	2.00%	42.20%	-18.18%	-27.16%	-	-
Shares Outstanding (Basic)	506	507	507	508	508	508
Shares Outstanding (Diluted)	506	507	507	508	508	508
Shares Change (YoY)	-0.03%	-0.14%	-0.10%	-0.01%	-	-0.03%
EPS (Basic)	0.03	0.02	0.02	0.02	0.03	-0.00
EPS (Diluted)	0.03	0.02	0.02	0.02	0.03	-0.00
EPS Growth	2.03%	42.40%	-18.09%	-27.15%	-	-
Free Cash Flow	15.87	14.05	8.57	14.85	20.84	46.54
Free Cash Flow Per Share	0.03	0.03	0.02	0.03	0.04	0.09
Dividend Per Share	0.020	0.020	0.016	0.016	0.015	0.010
Dividend Growth	25.00%	25.00%	-	6.67%	50.00%	-44.44%
Operating Margin	70.88%	71.90%	66.87%	70.76%	76.49%	44.67%
Profit Margin	64.59%	65.21%	64.94%	59.47%	75.07%	-10.49%
Free Cash Flow Margin	76.30%	76.02%	65.63%	85.24%	109.98%	750.72%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.