KWSE:NBK 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	2,338	2,264	2,035	1,235	888.91
Interest Paid on Deposits	1,339	1,283	1,130	479.31	219.65
Net Interest Income	999.55	980.06	905.14	755.84	669.26
Net Interest Income Growth (YoY)	1.99%	8.28%	19.75%	12.94%	5.65%
Gain (Loss) on Sale of Assets	-	-	-	1.28	-
Gain (Loss) on Sale of Investments	24.53	18.96	18.89	2.76	21.63
Gain (Loss) on Sale of Equity Investments	3	2.69	0.77	0.79	0.44
Other Non-Interest Income	269.77	249.5	241.97	249.08	208.46
Total Non-Interest Income	297.3	271.14	261.63	253.9	230.53
Non-Interest Income Growth (YoY)	9.64%	3.64%	3.04%	10.14%	11.73%
Revenues Before Loan Losses	1,297	1,251	1,167	1,010	899.79
Provision for Loan Losses	62.56	86.46	82.89	25.16	132.5
Revenue	1,234	1,165	1,084	984.58	767.3
Revenue Growth (YoY)	5.97%	7.46%	10.08%	28.32%	29.31%
Salaries and Employee Benefits	261.99	250.05	231.4	217.41	198.54
Occupancy Expenses	51.17	46.91	44.31	38.92	34.05
Amortization of Goodwill & Intangibles	1.65	1.65	1.65	1.65	1.65
Selling, General & Administrative	183.89	170.13	149.87	128.92	118.3
Total Non-Interest Expense	498.7	468.74	427.23	386.89	352.54
EBT Excluding Unusual Items	735.59	696	656.64	597.68	414.76
Pretax Income	733.63	696	636.47	577.48	414.76
Income Tax Expense	117.76	57.44	48.1	47.42	34.14
Earnings From Continuing Operations	615.87	638.56	588.37	530.06	380.62
Minority Interest in Earnings	-40.22	-38.44	-27.75	-20.98	-18.37
Net Income	575.65	600.12	560.62	509.09	362.25
Preferred Dividends & Other Adjustments	18.14	21.82	21.89	21.76	23.13
Net Income to Common	557.5	578.31	538.73	487.32	339.12
Net Income Growth	-4.08%	7.05%	10.12%	40.53%	47.05%
Basic Shares Outstanding	8,743	8,743	8,743	8,743	8,743
Diluted Shares Outstanding	8,743	8,743	8,743	8,743	8,743
Shares Change (YoY)	-	-	-	-	0.78%
EPS (Basic)	0.06	0.07	0.06	0.06	0.04
EPS (Diluted)	0.06	0.07	0.06	0.06	0.04
EPS Growth	-3.60%	7.34%	10.55%	43.70%	52.65%
Dividend Per Share	0.035	0.033	0.032	0.030	0.025
Dividend Growth	5.10%	5.05%	4.97%	22.27%	57.33%
Effective Tax Rate	16.05%	8.25%	7.56%	8.21%	8.23%

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