KWSE:KFH 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	3,434	3,251	2,886	2,194	1,322	871.48
Interest Paid on Deposits	2,109	1,971	1,739	1,228	521.82	285.78
Net Interest Income	1,324	1,279	1,147	965.93	800.5	585.7
Net Interest Income Growth	5.43%	11.53%	18.74%	20.66%	36.68%	-4.64%
Gain (Loss) on Sale of Assets	26.38	26.38	22.21	71.7	3.67	20.38
Gain (Loss) on Sale of Investments	78.09	78.09	134.7	100.4	7.45	15.39
Gain (Loss) on Sale of Equity Investments	4.86	4.86	35.42	30.43	7.05	-3.36
Other Non-Interest Income	491.17	444.77	352.87	292.41	253.61	192.9
Total Non-Interest Income	600.5	554.1	545.19	494.93	271.78	225.31
Non-Interest Income Growth	-0.57%	1.64%	10.15%	82.11%	20.62%	24.22%
Revenues Before Loan Losses	1,925	1,833	1,692	1,461	1,072	811.01
Provision for Loan Losses	211.61	161.44	120	41.42	50.19	133.47
Revenue	1,713	1,672	1,572	1,419	1,022	677.55
Revenue Growth	3.17%	6.34%	10.76%	38.88%	50.85%	25.93%
Salaries and Employee Benefits	351.33	346.39	347.31	286.75	209.08	183.98
Occupancy Expenses	83.06	91.46	84.18	78.58	45.32	41.78
Selling, General & Administrative	177.41	187.96	169.81	151.43	95.68	83.28
Total Non-Interest Expense	611.8	625.8	601.3	516.76	350.09	309.04
EBT Excluding Unusual Items	1,102	1,046	970.87	902.68	672	368.51
Asset Writedown	-	-	-	-2.95	-11.89	-1.9
Other Unusual Items	-119.22	-135.37	-155.32	-72.81	-127.63	-
Pretax Income	982.28	910.71	815.55	826.92	532.48	366.61
Income Tax Expense	195.35	190.45	173.64	151.82	97.88	56.47
Earnings From Continuing Operations	786.93	720.26	641.91	675.1	434.6	310.14
Minority Interest in Earnings	-124.16	-88.15	-40.11	-90.59	-76.89	-66.72
Net Income	662.78	632.11	601.8	584.52	357.72	243.41
Preferred Dividends & Other Adjustments	23.59	18.91	22.63	21.73	14.52	4.08
Net Income to Common	639.19	613.2	579.18	562.79	343.2	239.33
Net Income Growth	8.52%	5.87%	2.91%	63.98%	43.40%	61.27%
Basic Shares Outstanding	18,409	18,409	18,401	18,416	14,551	12,757
Diluted Shares Outstanding	18,409	18,409	18,401	18,416	14,551	12,757
Shares Change	-	0.04%	-0.08%	26.56%	14.06%	0.06%
EPS (Basic)	0.03	0.03	0.03	0.03	0.02	0.02
EPS (Diluted)	0.03	0.03	0.03	0.03	0.02	0.02
EPS Growth	8.53%	5.83%	2.99%	29.57%	25.72%	61.18%

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	0.023	0.022	0.019	0.016	0.011	0.008
Dividend Growth	16.67%	17.28%	20.13%	47.22%	36.71%	31.67%
Effective Tax Rate	19.89%	20.91%	21.29%	18.36%	18.38%	15.40%