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	Sep '26 Sep 30, 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	217.15	205.46	185.46	171.59	113.79	82.08
Interest Paid on Deposits	147.44	136.76	117.48	118.72	70.14	32.05
Net Interest Income	69.71	68.71	67.98	52.88	43.65	50.04
Net Interest Income Growth	-0.37%	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	31.94	28.6	23.15	17.38	16.3	15.35
Total Non-Interest Income	36.15	32.82	23.39	19.77	18.87	16.75
Non-Interest Income Growth	70.55%	40.31%	18.32%	4.76%	12.64%	45.47%
Revenues Before Loan Losses	105.86	101.53	91.37	72.65	62.52	66.79
Provision for Loan Losses	2.76	9.37	13.87	4.68	2.77	13.96
Revenue	103.1	92.16	77.5	67.97	59.75	52.83
Revenue Growth	27.76%	18.91%	14.02%	13.75%	13.11%	56.75%
Salaries and Employee Benefits	34.17	32.24	26.56	23.91	24.42	22.53
Occupancy Expenses	5.67	5.34	7.57	6.74	5.06	4.42
Selling, General & Administrative	24.51	22.31	18.9	17.13	15.87	14.23
Other Non-Interest Expense	1.25	1.09	0.63	0.55	0.42	0.29
Total Non-Interest Expense	65.98	61.27	53.91	48.51	45.9	41.58
EBT Excluding Unusual Items	37.12	30.89	23.59	19.46	13.85	11.25
Asset Writedown	-	-	-	-	-	-0.07
Pretax Income	37.12	30.89	23.59	19.46	13.85	11.18
Income Tax Expense	0.58	0.43	0.25	0.2	0.15	0.11
Earnings From Continuing Operations	36.54	30.46	23.34	19.26	13.7	11.08
Minority Interest in Earnings	-0.29	-0.35	-0.26	-0.17	-0.11	-0.19
Net Income	36.25	30.1	23.08	19.09	13.6	10.89
Preferred Dividends & Other Adjustments	6.13	6.12	5.66	5.22	5.2	5.12
Net Income to Common	30.13	23.99	17.42	13.87	8.39	5.78
Net Income Growth	42.33%	37.71%	25.56%	65.26%	45.35%	-
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	-	-	13.45%	16.68%	4.92%	-
EPS (Basic)	0.02	0.01	0.01	0.01	0.01	0.00
EPS (Diluted)	0.02	0.01	0.01	0.01	0.01	0.00
EPS Growth	42.33%	37.71%	10.69%	41.64%	38.54%	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
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	1.57%	1.40%	1.04%	1.03%	1.09%	0.94%