KWSE:NBK 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	2,365	2,338	2,264	2,035	1,235	888.91
Interest Paid on Deposits	1,354	1,339	1,283	1,130	479.31	219.65
Net Interest Income	1,011	999.55	980.06	905.14	755.84	669.26
Net Interest Income Growth (YoY)	3.28%	1.99%	8.28%	19.75%	12.94%	5.65%
Gain (Loss) on Sale of Assets	-	-	-	-	1.28	-
Gain (Loss) on Sale of Investments	26.56	24.53	18.96	18.89	2.76	21.63
Gain (Loss) on Sale of Equity Investments	3	3	2.69	0.77	0.79	0.44
Other Non-Interest Income	276.92	269.77	249.5	241.97	249.08	208.46
Total Non-Interest Income	306.48	297.3	271.14	261.63	253.9	230.53
Non-Interest Income Growth (YoY)	11.77%	9.64%	3.64%	3.04%	10.14%	11.73%
Revenues Before Loan Losses	1,317	1,297	1,251	1,167	1,010	899.79
Provision for Loan Losses	67.81	62.56	86.46	82.89	25.16	132.5
Revenue	1,250	1,234	1,165	1,084	984.58	767.3
Revenue Growth (YoY)	6.76%	5.97%	7.46%	10.08%	28.32%	29.31%
Salaries and Employee Benefits	268.45	261.99	250.05	231.4	217.41	198.54
Occupancy Expenses	52.44	51.17	46.91	44.31	38.92	34.05
Amortization of Goodwill & Intangibles	1.65	1.65	1.65	1.65	1.65	1.65
Selling, General & Administrative	187.22	183.89	170.13	149.87	128.92	118.3
Total Non-Interest Expense	509.76	498.7	468.74	427.23	386.89	352.54
EBT Excluding Unusual Items	739.75	735.59	696	656.64	597.68	414.76
Pretax Income	737.79	733.63	696	636.47	577.48	414.76
Income Tax Expense	120.41	117.76	57.44	48.1	47.42	34.14
Earnings From Continuing Operations	617.38	615.87	638.56	588.37	530.06	380.62
Minority Interest in Earnings	-40.37	-40.22	-38.44	-27.75	-20.98	-18.37
Net Income	577.02	575.65	600.12	560.62	509.09	362.25
Preferred Dividends & Other Adjustments	25.98	18.14	21.82	21.89	21.76	23.13
Net Income to Common	551.04	557.5	578.31	538.73	487.32	339.12
Net Income Growth	-1.80%	-4.08%	7.05%	10.12%	40.53%	47.05%
Basic Shares Outstanding	9,180	9,180	9,180	9,180	9,180	9,180
Diluted Shares Outstanding	9,180	9,180	9,180	9,180	9,180	9,180
Shares Change (YoY)	-	-	-	-	-	0.78%
EPS (Basic)	0.06	0.06	0.06	0.06	0.05	0.04
EPS (Diluted)	0.06	0.06	0.06	0.06	0.05	0.04
EPS Growth	-2.61%	-3.60%	7.35%	10.55%	43.70%	52.65%
Dividend Per Share	0.033	0.033	0.032	0.030	0.029	0.024
Dividend Growth	5.05%	5.05%	4.97%	4.86%	22.55%	56.67%
Effective Tax Rate	16.32%	16.05%	8.25%	7.56%	8.21%	8.23%

Updated Mar 31, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.