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	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	2,367	2,338	2,264	2,035	1,235	888.91
Interest Paid on Deposits	1,357	1,339	1,283	1,130	479.31	219.65
Net Interest Income	1,010	999.55	980.06	905.14	755.84	669.26
Net Interest Income Growth	2.32%	1.99%	8.28%	19.75%	12.94%	5.65%
Gain (Loss) on Sale of Assets	-	-	-	-	1.28	-
Gain (Loss) on Sale of Investments	26.72	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	287.34	269.77	249.5	241.97	249.08	208.46
Total Non-Interest Income	317.06	297.3	271.14	261.63	253.9	230.53
Non-Interest Income Growth	12.13%	9.64%	3.64%	3.04%	10.14%	11.73%
Revenues Before Loan Losses	1,327	1,297	1,251	1,167	1,010	899.79
Provision for Loan Losses	79.28	62.56	86.46	82.89	25.16	132.5
Revenue	1,248	1,234	1,165	1,084	984.58	767.3
Revenue Growth	0.93%	5.97%	7.46%	10.08%	28.32%	29.31%
Salaries and Employee Benefits	268.04	261.99	250.05	231.4	217.41	198.54
Occupancy Expenses	53.15	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	188.64	183.89	170.13	149.87	128.92	118.3
Total Non-Interest Expense	511.48	498.7	468.74	427.23	386.89	352.54
EBT Excluding Unusual Items	736.68	735.59	696	656.64	597.68	414.76
Pretax Income	734.72	733.63	696	636.47	577.48	414.76
Income Tax Expense	108.86	117.76	57.44	48.1	47.42	34.14
Earnings From Continuing Operations	625.85	615.87	638.56	588.37	530.06	380.62
Minority Interest in Earnings	-40.68	-40.22	-38.44	-27.75	-20.98	-18.37
Net Income	585.17	575.65	600.12	560.62	509.09	362.25
Preferred Dividends & Other Adjustments	20.8	18.14	21.82	21.89	21.76	23.13
Net Income to Common	564.37	557.5	578.31	538.73	487.32	339.12
Net Income Growth	-6.11%	-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	-6.11%	-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	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	0.033	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	14.82%	16.05%	8.25%	7.56%	8.21%	8.23%