KWSE:KIB 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	Mar '26 Mar 31, 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	212.26	205.46	185.46	171.59	113.79	82.08
Interest Paid on Deposits	143.52	136.76	117.48	118.72	70.14	32.05
Net Interest Income	68.74	68.71	67.98	52.88	43.65	50.04
Net Interest Income Growth (YoY)	-0.61%	1.07%	28.56%	21.14%	-12.77%	2.48%
Gain (Loss) on Sale of Assets	1.92	1.92	-	2.48	2.64	-
Gain (Loss) on Sale of Investments	2.21	2.21	0.23	-0.24	-0.16	1.27
Gain (Loss) on Sale of Equity Investments	0.09	0.09	0.01	0.16	0.08	0.13
Other Non-Interest Income	31.43	28.6	23.15	17.38	16.3	15.35
Total Non-Interest Income	35.65	32.82	23.39	19.77	18.87	16.75
Non-Interest Income Growth (YoY)	56.89%	40.31%	18.32%	4.76%	12.64%	45.47%
Revenues Before Loan Losses	104.39	101.53	91.37	72.65	62.52	66.79
Provision for Loan Losses	9.35	9.37	13.87	4.68	2.77	13.96
Revenue	95.04	92.16	77.5	67.97	59.75	52.83
Revenue Growth (YoY)	18.35%	18.91%	14.02%	13.75%	13.11%	56.75%
Salaries and Employee Benefits	33.38	32.24	26.56	23.91	24.42	22.53
Occupancy Expenses	5.57	5.34	7.57	6.74	5.06	4.42
Selling, General & Administrative	23.02	22.31	18.9	17.13	15.87	14.23
Other Non-Interest Expense	1.09	1.09	0.63	0.55	0.42	0.29
Total Non-Interest Expense	63.34	61.27	53.91	48.51	45.9	41.58
EBT Excluding Unusual Items	31.7	30.89	23.59	19.46	13.85	11.25
Asset Writedown	-	-	-	-	-	-0.07
Pretax Income	31.7	30.89	23.59	19.46	13.85	11.18
Income Tax Expense	0.57	0.43	0.25	0.2	0.15	0.11
Earnings From Continuing Operations	31.13	30.46	23.34	19.26	13.7	11.08
Minority Interest in Earnings	-0.31	-0.35	-0.26	-0.17	-0.11	-0.19
Net Income	30.82	30.1	23.08	19.09	13.6	10.89
Preferred Dividends & Other Adjustments	6.12	6.12	5.66	5.22	5.2	5.12
Net Income to Common	24.71	23.99	17.42	13.87	8.39	5.78
Net Income Growth	26.63%	30.44%	20.89%	40.42%	24.82%	1089100.00%
Basic Shares Outstanding	1,739	1,739	1,739	1,533	1,314	1,252
Diluted Shares Outstanding	1,739	1,739	1,739	1,533	1,314	1,252
Shares Change (YoY)	-0.06%	-	13.45%	16.68%	4.92%	-
EPS (Basic)	0.01	0.01	0.01	0.01	0.01	0.00
EPS (Diluted)	0.01	0.01	0.01	0.01	0.01	0.00
EPS Growth	32.36%	37.71%	10.69%	41.64%	38.54%	-
Dividend Per Share	0.008	0.008	0.005	0.004	0.003	0.003
Dividend Growth	65.22%	65.22%	4.54%	29.41%	3.03%	-
Effective Tax Rate	1.80%	1.40%	1.04%	1.03%	1.09%	0.94%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.