KWSE:NBK 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	2,896	3,473	2,858	4,199	3,937
Investment Securities	11,764	9,147	8,987	7,922	6,783
Trading Asset Securities	582.37	690.64	580.38	654.47	292.31
Total Investments	12,346	9,838	9,567	8,576	7,076
Gross Loans	27,718	24,572	23,144	21,826	20,356
Allowance for Loan Losses	-902.06	-864.34	-862.85	-827.94	-633.52
Net Loans	26,816	23,708	22,281	20,998	19,722
Property, Plant & Equipment	543.69	517.39	506.81	474.72	456.21
Goodwill	339.16	341.14	337.18	362.05	406.73
Other Intangible Assets	167.94	169.59	171.24	172.88	174.53
Investments in Real Estate	92.68	68.37	73.52	33.62	21.71
Accrued Interest Receivable	265.4	223.79	203.76	147.9	84.73
Other Receivables	94.44	75.56	51.08	197.62	179.33
Restricted Cash	1,982	1,850	1,526	1,125	1,145
Other Real Estate Owned & Foreclosed	-	-	7.58	7.65	12.25
Other Long-Term Assets	69.54	73.34	81	43.8	41.1
Total Assets	45,613	40,338	37,665	36,338	33,257
Accrued Expenses	92.18	78.3	82.22	67.31	62.54
Interest Bearing Deposits	29,717	25,816	26,497	25,721	22,756
Total Deposits	29,717	25,816	26,497	25,721	22,756
Short-Term Borrowings	2,249	1,557	62.75	40.76	136.6
Current Portion of Long-Term Debt	5,568	5,617	4,105	4,123	4,331
Current Income Taxes Payable	88.53	51.85	56.44	41.44	27.88
Accrued Interest Payable	301.04	271.82	317.43	150.41	70.98
Other Current Liabilities	6.99	-	-	-	-
Long-Term Debt	1,465	1,307	1,189	1,139	1,034
Long-Term Leases	37.9	37.96	32.97	25.73	25.43
Long-Term Unearned Revenue	67.94	59.09	56.36	48.74	36.4
Pension & Post-Retirement Benefits	69.66	60.43	53.26	54.21	56.82
Other Long-Term Liabilities	299.6	324.36	304.7	292.71	251.59
Total Liabilities	39,963	35,181	32,758	31,703	28,789
Common Stock	874.28	832.64	793	755.23	719.27
Additional Paid-In Capital	837.99	837.99	837.99	837.99	837.99
Retained Earnings	3,032	2,717	2,463	2,234	2,078
Comprehensive Income & Other	280.43	163.43	229.32	234.57	343.59
Total Common Equity	5,025	4,551	4,323	4,062	3,979
Minority Interest	625.38	605.37	583.77	572.93	488.52
Shareholders' Equity	5,650	5,157	4,907	4,635	4,467
Total Liabilities & Equity	45,613	40,338	37,665	36,338	33,257
Total Debt	9,319	8,520	5,391	5,328	5,527
Net Cash (Debt)	-3,734	-2,973	-633.55	1,016	-412.43
Net Cash Per Share	-0.43	-0.34	-0.07	0.12	-0.05
Filing Date Shares Outstanding	8,743	8,743	8,743	8,743	8,743
Total Common Shares Outstanding	8,743	8,743	8,743	8,743	8,743
Book Value Per Share	0.52	0.47	0.44	0.41	0.40
Tangible Book Value	4,518	4,041	3,814	3,527	3,397
Tangible Book Value Per Share	0.46	0.41	0.39	0.35	0.34

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