Warba Bank K.S.C.P. 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	191.46	295.61	304.93	184.64	425.69
Investment Securities	1,287	639.22	653.94	526.35	400.08
Trading Asset Securities	219.43	198.91	162.25	139.59	128.9
Total Investments	1,507	838.13	816.19	665.95	528.98
Gross Loans	4,334	3,957	3,753	3,391	2,674
Allowance for Loan Losses	-100.45	-94.15	-94.8	-95.41	-67.13
Other Adjustments to Gross Loans	-226.52	-219.9	-204.86	-165.66	-133.84
Net Loans	4,007	3,643	3,453	3,130	2,474
Property, Plant & Equipment	63.26	18.48	16.01	17.35	17.94
Investments in Real Estate	40.57	39.54	1.68	16.19	18.72
Restricted Cash	169.04	407.19	163.94	117.83	59.78
Other Long-Term Assets	49.53	52.22	76.51	69.32	55.6
Total Assets	6,028	5,294	4,832	4,201	3,580
Interest Bearing Deposits	4,809	4,482	4,070	3,467	2,801
Total Deposits	4,809	4,482	4,070	3,467	2,801
Current Portion of Long-Term Debt	3.87	154.25	154.33	-	-
Other Current Liabilities	69.66	78.49	55.71	45.55	44.02
Long-Term Debt	152.7	154.05	150	304.06	302.02
Other Long-Term Liabilities	12.72	13.52	10.98	10.19	16.88
Total Liabilities	5,048	4,882	4,441	3,827	3,164
Common Stock	449.82	218.36	206	200	200
Additional Paid-In Capital	298.74	80.38	80.38	80.38	80.38
Retained Earnings	69.64	39.32	32.36	27.77	12.66
Comprehensive Income & Other	161.92	73.69	72.47	65.77	122.77
Shareholders' Equity	980.12	411.75	391.2	373.92	415.8
Total Liabilities & Equity	6,028	5,294	4,832	4,201	3,580
Total Debt	156.57	308.3	304.33	304.06	302.02
Net Cash (Debt)	493.92	325.08	327.58	143.23	283.99
Net Cash Growth	51.94%	-0.76%	128.71%	-49.56%	70.06%
Net Cash Per Share	0.13	0.13	0.14	0.06	0.14
Filing Date Shares Outstanding	4,498	2,315	2,315	2,315	2,315
Total Common Shares Outstanding	4,498	2,315	2,315	2,315	2,315
Book Value Per Share	0.18	0.15	0.14	0.13	0.13
Tangible Book Value	980.12	411.75	391.2	373.92	415.8
Tangible Book Value Per Share	0.18	0.15	0.14	0.13	0.13

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