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	Jun '26 Jun 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	216.19	205.46	185.46	171.59	113.79	82.08
Interest Paid on Deposits	146.61	136.76	117.48	118.72	70.14	32.05
Net Interest Income	69.59	68.71	67.98	52.88	43.65	50.04
Net Interest Income Growth	0.15%	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	32.56	28.6	23.15	17.38	16.3	15.35
Total Non-Interest Income	36.78	32.82	23.39	19.77	18.87	16.75
Non-Interest Income Growth	40.08%	40.31%	18.32%	4.76%	12.64%	45.47%
Revenues Before Loan Losses	106.37	101.53	91.37	72.65	62.52	66.79
Provision for Loan Losses	7.58	9.37	13.87	4.68	2.77	13.96
Revenue	98.79	92.16	77.5	67.97	59.75	52.83
Revenue Growth	17.48%	18.91%	14.02%	13.75%	13.11%	56.75%
Salaries and Employee Benefits	33.92	32.24	26.56	23.91	24.42	22.53
Occupancy Expenses	5.63	5.34	7.57	6.74	5.06	4.42
Selling, General & Administrative	24.14	22.31	18.9	17.13	15.87	14.23
Other Non-Interest Expense	1.16	1.09	0.63	0.55	0.42	0.29
Total Non-Interest Expense	65.19	61.27	53.91	48.51	45.9	41.58
EBT Excluding Unusual Items	33.6	30.89	23.59	19.46	13.85	11.25
Asset Writedown	-	-	-	-	-	-0.07
Pretax Income	33.6	30.89	23.59	19.46	13.85	11.18
Income Tax Expense	0.46	0.43	0.25	0.2	0.15	0.11
Earnings From Continuing Operations	33.14	30.46	23.34	19.26	13.7	11.08
Minority Interest in Earnings	-0.33	-0.35	-0.26	-0.17	-0.11	-0.19
Net Income	32.81	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	26.68	23.99	17.42	13.87	8.39	5.78
Net Income Growth	35.08%	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	35.08%	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	Jun '26 Jun 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	1.37%	1.40%	1.04%	1.03%	1.09%	0.94%