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	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	2,356	2,338	2,264	2,035	1,235	888.91
Interest Paid on Deposits	1,351	1,339	1,283	1,130	479.31	219.65
Net Interest Income	1,005	999.55	980.06	905.14	755.84	669.26
Net Interest Income Growth	0.98%	1.99%	8.28%	19.75%	12.94%	5.65%
Gain (Loss) on Sale of Assets	-	-	-	-	1.28	-
Gain (Loss) on Sale of Investments	27.39	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	298.22	269.77	249.5	241.97	249.08	208.46
Total Non-Interest Income	328.6	297.3	271.14	261.63	253.9	230.53
Non-Interest Income Growth	11.79%	9.64%	3.64%	3.04%	10.14%	11.73%
Revenues Before Loan Losses	1,334	1,297	1,251	1,167	1,010	899.79
Provision for Loan Losses	74.67	62.56	86.46	82.89	25.16	132.5
Revenue	1,259	1,234	1,165	1,084	984.58	767.3
Revenue Growth	0.94%	5.97%	7.46%	10.08%	28.32%	29.31%
Salaries and Employee Benefits	267.93	261.99	250.05	231.4	217.41	198.54
Occupancy Expenses	54.21	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	190.58	183.89	170.13	149.87	128.92	118.3
Total Non-Interest Expense	514.37	498.7	468.74	427.23	386.89	352.54
EBT Excluding Unusual Items	744.55	735.59	696	656.64	597.68	414.76
Pretax Income	742.59	733.63	696	636.47	577.48	414.76
Income Tax Expense	110	117.76	57.44	48.1	47.42	34.14
Earnings From Continuing Operations	632.59	615.87	638.56	588.37	530.06	380.62
Minority Interest in Earnings	-42.64	-40.22	-38.44	-27.75	-20.98	-18.37
Net Income	589.95	575.65	600.12	560.62	509.09	362.25
Preferred Dividends & Other Adjustments	27.26	18.14	21.82	21.89	21.76	23.13
Net Income to Common	562.69	557.5	578.31	538.73	487.32	339.12
Net Income Growth	-4.16%	-3.60%	7.35%	10.55%	43.70%	53.84%
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	-	-	-	-	-	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	-4.16%	-3.60%	7.35%	10.55%	43.70%	52.65%

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	0.033	0.033	0.032	0.030	0.029	0.024
Dividend Growth	46.70%	5.05%	4.97%	4.86%	22.55%	56.67%
Effective Tax Rate	14.81%	16.05%	8.25%	7.56%	8.21%	8.23%