KWSE:FACIL 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 and Dividend Income	15.51	15.01	14.43	13.01	13.21
Total Interest Expense	5.47	5.38	5.15	3.66	2.34
Net Interest Income	10.04	9.64	9.29	9.36	10.87
Gain (Loss) on Sale of Investments	7.02	4.77	1.01	3.8	5.21
Other Revenue	2	1.55	1.24	1.37	1.05
Revenue Before Loan Losses	19.06	16.54	11.53	14.52	17.12
Provision for Loan Losses	-1.1	-1.95	-1.52	-2.9	-1.83
Revenue	20.16	18.49	13.06	17.42	18.95
Revenue Growth (YoY)	9.02%	41.60%	-25.06%	-8.06%	205.69%
Salaries & Employee Benefits	3.6	3.48	2.95	3.24	2.57
Cost of Services Provided	1.21	1.29	1.1	1.44	1.38
Other Operating Expenses	0.56	0.43	0.27	0.41	0.51
Total Operating Expenses	5.36	5.2	4.33	5.09	4.46
Operating Income	14.8	13.29	8.73	12.33	14.5
Currency Exchange Gain (Loss)	-0.17	0.1	-0.04	0.16	-0.03
EBT Excluding Unusual Items	15.15	12.15	8.45	10.35	14.32
Gain (Loss) on Sale of Investments	0.32	-0.05	-0.01	0.03	-
Other Unusual Items	0.48	-	-	-	-
Pretax Income	15.7	12.07	8.48	10.37	14.23
Earnings From Continuing Ops.	15.7	12.07	8.48	10.37	14.23
Minority Interest in Earnings	-0.02	-0.02	-0	-0.01	-0.01
Net Income	15.68	12.06	8.48	10.36	14.23
Net Income to Common	15.68	12.06	8.48	10.36	14.23
Net Income Growth	30.04%	42.20%	-18.18%	-27.16%	-
Shares Outstanding (Basic)	506	507	507	508	508
Shares Outstanding (Diluted)	506	507	507	508	508
Shares Change (YoY)	-0.02%	-0.14%	-0.10%	-0.01%	-
EPS (Basic)	0.03	0.02	0.02	0.02	0.03
EPS (Diluted)	0.03	0.02	0.02	0.02	0.03
EPS Growth	30.06%	42.40%	-18.09%	-27.15%	-
Free Cash Flow	19.06	14.05	8.57	14.85	20.84
Free Cash Flow Per Share	0.04	0.03	0.02	0.03	0.04
Dividend Per Share	0.021	0.020	0.016	0.016	0.015
Dividend Growth	5.00%	25.00%	-	6.67%	50.00%
Operating Margin	73.41%	71.90%	66.87%	70.76%	76.49%
Profit Margin	77.78%	65.21%	64.94%	59.47%	75.07%
Free Cash Flow Margin	94.57%	76.02%	65.63%	85.24%	109.98%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.