KWSE:KIB 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 Income on Loans	205.46	185.46	171.59	113.79	82.08
Interest Paid on Deposits	136.76	117.48	118.72	70.14	32.05
Net Interest Income	68.71	67.98	52.88	43.65	50.04
Net Interest Income Growth (YoY)	1.07%	28.56%	21.14%	-12.77%	2.48%
Gain (Loss) on Sale of Assets	1.92	-	2.48	2.64	-
Gain (Loss) on Sale of Investments	2.21	0.23	-0.24	-0.16	1.27
Gain (Loss) on Sale of Equity Investments	0.09	0.01	0.16	0.08	0.13
Other Non-Interest Income	28.6	23.15	17.38	16.3	15.35
Total Non-Interest Income	32.82	23.39	19.77	18.87	16.75
Non-Interest Income Growth (YoY)	40.31%	18.32%	4.76%	12.64%	45.47%
Revenues Before Loan Losses	101.53	91.37	72.65	62.52	66.79
Provision for Loan Losses	9.37	13.87	4.68	2.77	13.96
Revenue	92.16	77.5	67.97	59.75	52.83
Revenue Growth (YoY)	18.91%	14.02%	13.75%	13.11%	56.75%
Salaries and Employee Benefits	32.24	26.56	23.91	24.42	22.53
Occupancy Expenses	5.34	7.57	6.74	5.06	4.42
Selling, General & Administrative	22.31	18.9	17.13	15.87	14.23
Other Non-Interest Expense	1.09	0.63	0.55	0.42	0.29
Total Non-Interest Expense	61.27	53.91	48.51	45.9	41.58
EBT Excluding Unusual Items	30.89	23.59	19.46	13.85	11.25
Asset Writedown	-	-	-	-	-0.07
Pretax Income	30.89	23.59	19.46	13.85	11.18
Income Tax Expense	0.43	0.25	0.2	0.15	0.11
Earnings From Continuing Operations	30.46	23.34	19.26	13.7	11.08
Minority Interest in Earnings	-0.35	-0.26	-0.17	-0.11	-0.19
Net Income	30.1	23.08	19.09	13.6	10.89
Preferred Dividends & Other Adjustments	6.12	5.66	5.22	5.2	5.12
Net Income to Common	23.99	17.42	13.87	8.39	5.78
Net Income Growth	30.44%	20.89%	40.42%	24.82%	1089100.00%
Basic Shares Outstanding	1,656	1,656	1,460	1,251	1,193
Diluted Shares Outstanding	1,656	1,656	1,460	1,251	1,193
Shares Change (YoY)	-	13.45%	16.68%	4.92%	-
EPS (Basic)	0.01	0.01	0.01	0.01	0.00
EPS (Diluted)	0.01	0.01	0.01	0.01	0.00
EPS Growth	37.72%	10.67%	41.64%	38.54%	-
Dividend Per Share	0.008	0.005	0.005	0.004	0.004
Dividend Growth	66.67%	2.13%	30.56%	2.86%	-
Effective Tax Rate	1.40%	1.04%	1.03%	1.09%	0.94%

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