KWSE:KFIC 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	2.1	2.5	1.71	2.24	3.36	4.43
Total Interest Expense	0.36	0.4	0.5	0.39	0.27	0.44
Net Interest Income	1.74	2.1	1.21	1.85	3.09	3.99
Commissions and Fees	4.18	0.66	0.44	0.87	1.04	1.62
Other Revenue	-0.29	-0.16	0.59	0.71	0.74	0.43
Revenue Before Loan Losses	6.75	3.62	3.25	4.51	5.79	6.88
Provision for Loan Losses	2.21	2.5	2.38	-0.48	-0.36	1.58
Revenue	4.54	1.12	0.86	4.99	6.16	5.3
Revenue Growth (YoY)	108.24%	29.33%	-82.72%	-18.95%	16.21%	-1.45%
Salaries & Employee Benefits	2.6	2.79	2.61	2.73	2.78	2.53
Cost of Services Provided	1.4	1.04	1.2	1.2	1.43	2.31
Other Operating Expenses	-	-	-	0.01	0.02	0.02
Total Operating Expenses	4.42	4.24	4.25	4.3	4.51	5.15
Operating Income	0.12	-3.13	-3.39	0.69	1.65	0.15
Currency Exchange Gain (Loss)	-0.01	0.04	0.02	0.07	-0.03	0
EBT Excluding Unusual Items	0.19	-3.25	-3.56	0.76	1.62	0.15
Pretax Income	0.19	-3.25	-11.17	0.52	0.64	0.15
Income Tax Expense	0.09	-	-	0.01	0.01	0.01
Earnings From Continuing Ops.	0.1	-3.25	-11.17	0.51	0.63	0.14
Net Income to Company	0.1	-3.25	-11.17	0.51	0.63	0.14
Minority Interest in Earnings	-0.03	-0.02	0.04	-0.07	-0.16	0.3
Net Income	0.07	-3.27	-11.14	0.45	0.47	0.45
Net Income to Common	0.07	-3.27	-11.14	0.45	0.47	0.45
Net Income Growth	-	-	-	-5.31%	5.13%	-34.97%
Shares Outstanding (Basic)	247	241	235	235	235	235
Shares Outstanding (Diluted)	247	241	235	235	235	235
Shares Change (YoY)	4.04%	2.60%	-	-	-	-
EPS (Basic)	0.00	-0.01	-0.05	0.00	0.00	0.00
EPS (Diluted)	0.00	-0.01	-0.05	0.00	0.00	0.00
EPS Growth	-	-	-	-5.30%	5.15%	-34.97%
Free Cash Flow	-3.43	2.9	-1.48	1.52	-2.58	2.79
Free Cash Flow Per Share	-0.01	0.01	-0.01	0.01	-0.01	0.01
Operating Margin	2.62%	-280.60%	-392.57%	13.78%	26.78%	2.82%
Profit Margin	1.59%	-293.21%	-1291.35%	8.92%	7.64%	8.44%
Free Cash Flow Margin	-75.59%	260.36%	-172.03%	30.55%	-41.90%	52.61%
Effective Tax Rate	45.69%	-	-	1.14%	1.25%	4.26%
Revenue as Reported	7.1	4.06	3.73	4.97	6.03	7.32

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