KWSE:KIB Balance Sheet

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
Cash & Equivalents	186.22	82.87	257.47	216.78	232.91
Investment Securities	805.5	625.38	545.54	494.77	442.08
Trading Asset Securities	3.97	3.09	2.84	2.77	1.73
Total Investments	809.47	628.47	548.38	497.55	443.81
Gross Loans	3,401	2,915	2,552	2,694	2,332
Allowance for Loan Losses	-81.45	-69.39	-66.49	-76.76	-61.88
Net Loans	3,319	2,846	2,486	2,617	2,270
Property, Plant & Equipment	52.79	47.93	47.02	43.56	40.56
Investments in Real Estate	75.53	78.58	63.28	42.71	53.55
Accrued Interest Receivable	6.37	5.68	3.5	2.54	2.29
Other Receivables	48.12	31.76	32.3	11.19	6.01
Restricted Cash	100.29	166.92	147.27	125.58	67.03
Other Current Assets	1.95	2.03	1.66	4.17	3.48
Other Long-Term Assets	39.32	33.03	28.51	19.73	14.96
Total Assets	4,639	3,923	3,615	3,581	3,135
Accrued Expenses	8.15	8.44	9.74	9.42	8.88
Interest Bearing Deposits	3,218	2,754	2,119	2,339	2,062
Non-Interest Bearing Deposits	-	-	-	25.13	31.12
Total Deposits	3,218	2,754	2,119	2,364	2,093
Current Portion of Long-Term Debt	236.07	86.5	184.64	569.97	530.71
Current Income Taxes Payable	0.29	0.26	0.18	0.13	0.5
Accrued Interest Payable	17.02	14.36	15.5	15.55	7.43
Other Current Liabilities	1.38	1.42	1.42	1.41	1.39
Long-Term Debt	607.39	548.89	795.27	222.83	90.4
Long-Term Leases	3.7	4.24	3.6	2.99	2.27
Pension & Post-Retirement Benefits	17.73	14.72	15.01	14.9	12.41
Other Long-Term Liabilities	50.39	45.78	43.02	30.82	30.62
Total Liabilities	4,160	3,479	3,187	3,232	2,777
Common Stock	178.86	170.34	165.38	117.81	113.28
Additional Paid-In Capital	71.43	71.43	71.43	54.32	54.33
Retained Earnings	138.95	121.26	116.49	111.26	109.95
Treasury Stock	-45.16	-45.16	-45.16	-45.21	-45.23
Comprehensive Income & Other	131.13	122.45	116.13	106.97	121.75
Total Common Equity	475.21	440.33	424.27	345.14	354.07
Minority Interest	3.87	3.66	3.55	3.55	3.66
Shareholders' Equity	479.07	443.98	427.82	348.69	357.72
Total Liabilities & Equity	4,639	3,923	3,615	3,581	3,135
Total Debt	847.16	639.62	983.51	795.79	623.38
Net Cash (Debt)	-438.59	-440.44	-539.33	-388.51	-242.45
Net Cash Per Share	-0.26	-0.27	-0.37	-0.31	-0.20
Filing Date Shares Outstanding	1,656	1,656	1,654	1,193	1,193
Total Common Shares Outstanding	1,656	1,656	1,654	1,193	1,193
Book Value Per Share	0.23	0.21	0.20	0.21	0.22
Tangible Book Value	475.21	440.33	424.27	345.14	354.07
Tangible Book Value Per Share	0.23	0.21	0.20	0.21	0.22

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