KWSE:KFIC 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	4.56	1.05	1.71	2.24	3.36
Total Interest Expense	0.43	0.4	0.5	0.39	0.27
Net Interest Income	4.13	0.65	1.21	1.85	3.09
Commissions and Fees	4.53	0.66	0.44	0.87	1.04
Other Revenue	0.85	1.29	0.59	0.71	0.74
Revenue Before Loan Losses	10.71	3.62	3.25	4.51	5.79
Provision for Loan Losses	1.6	2.5	2.38	-0.48	-0.36
Revenue	9.1	1.12	0.86	4.99	6.16
Revenue Growth (YoY)	716.23%	29.33%	-82.72%	-18.95%	16.21%
Salaries & Employee Benefits	3.09	2.79	2.61	2.73	2.78
Cost of Services Provided	1.39	1.04	1.2	1.2	1.43
Other Operating Expenses	-	-	-	0.01	0.02
Total Operating Expenses	4.89	4.24	4.25	4.3	4.51
Operating Income	4.21	-3.13	-3.39	0.69	1.65
Currency Exchange Gain (Loss)	-0.08	0.04	0.02	0.07	-0.03
EBT Excluding Unusual Items	4.22	-3.25	-3.56	0.76	1.62
Pretax Income	4.22	-3.25	-11.17	0.52	0.64
Income Tax Expense	0.16	-	-	0.01	0.01
Earnings From Continuing Ops.	4.07	-3.25	-11.17	0.51	0.63
Net Income to Company	4.07	-3.25	-11.17	0.51	0.63
Minority Interest in Earnings	-0.06	-0.02	0.04	-0.07	-0.16
Net Income	4	-3.27	-11.14	0.45	0.47
Net Income to Common	4	-3.27	-11.14	0.45	0.47
Net Income Growth	-	-	-	-5.31%	5.13%
Shares Outstanding (Basic)	245	240	235	235	235
Shares Outstanding (Diluted)	245	240	235	235	235
Shares Change (YoY)	2.35%	2.02%	-	-	-
EPS (Basic)	0.02	-0.01	-0.05	0.00	0.00
EPS (Diluted)	0.02	-0.01	-0.05	0.00	0.00
EPS Growth	-	-	-	-5.30%	5.15%
Free Cash Flow	3.48	2.9	-1.48	1.52	-2.58
Free Cash Flow Per Share	0.01	0.01	-0.01	0.01	-0.01
Operating Margin	46.29%	-280.60%	-392.57%	13.78%	26.78%
Profit Margin	43.98%	-293.21%	-1291.35%	8.92%	7.64%
Free Cash Flow Margin	38.19%	260.36%	-172.03%	30.55%	-41.90%
Effective Tax Rate	3.69%	-	-	1.14%	1.25%
Revenue as Reported	11.06	4.06	3.73	4.97	6.03

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