الدولي

بنك الكويت الدولي

KIBأسهمبورصة الكويتالبنوك

البيانات المالية

قائمة الدخل الميزانية العمومية التدفقات النقدية النسب

النتائج السنوية النتائج الربعية

النتائج الربعية (KWD)

1-5

	Q4 202531 ديسمبر 2025	Q3 202530 سبتمبر 2025	Q2 202530 يونيو 2025	Q1 202531 مارس 2025	Q4 202431 ديسمبر 2024
الملخص التشغيلي
الإيرادات	27.41M	21.32M	22.72M	20.70M	22.97M
إيرادات الفوائد	56.12M	53.97M	49.37M	46.00M	49.88M
مصاريف الفوائد	37.24M	36.65M	33.22M	29.65M	29.73M
الدخل قبل الضريبة	10.01M	5.74M	7.69M	7.72M	7.01M
ضريبة الدخل	209.00K	62.00K	82.00K	345.00K	80.00K
صافي الدخل	6.63M	5.58M	4.48M	7.30M	3.81M
صافي دخل الفوائد	18.88M	17.32M	16.15M	16.35M	20.14M
الإيرادات غير المرتبطة بالفوائد	10.95M	8.09M	8.52M	5.27M	6.33M
المصاريف غير المرتبطة بالفوائد	17.40M	15.58M	15.04M	12.98M	15.96M
مخصص خسائر القروض	2.41M	4.09M	1.95M	0.91M	3.51M
ربحية السهم (أساسي)	0.00	0.00	0.00	0.00	0.00
ربحية السهم (مخفف)	0.00	0.00	0.00	0.00	0.00
الهوامش والكفاءة
هامش صافي الربح %	+24.2%	+26.2%	+19.7%	+35.2%	+16.6%
الإيرادات والدخل
Revenue	27.41M	21.32M	22.72M	20.70M	22.97M
Revenue	27.41M	21.32M	22.72M	20.70M	22.97M
Revenue Growth (YoY)	+19.3%	+20.4%	+20.0%	+15.7%	-13.7%
Revenues Before Loan Losses	29.83M	25.41M	24.67M	21.61M	26.47M
Interest Income on Loans	56.12M	53.97M	49.37M	46.00M	49.88M
Net Interest Income	18.88M	17.32M	16.15M	16.35M	20.14M
Net Interest Income Growth (YoY)	-6.3%	+2.9%	+2.0%	+7.8%	+28.8%
Non-Interest Income Growth (YoY)	+72.9%	+31.8%	+70.9%	-11.3%	+39.1%
Total Non-Interest Income	10.95M	8.09M	8.52M	5.27M	6.33M
Other Non-Interest Income	6.73M	8.09M	8.52M	5.27M	6.09M
Gain (Loss) on Sale of Assets	1.92M	—	—	—	—
Gain (Loss) on Sale of Equity Investments	86.00K	—	—	—	14.00K
Gain (Loss) on Sale of Investments	2.21M	—	—	—	0.23M
المصروفات والمخصصات
Selling, General & Administrative	6.71M	6.11M	5.44M	4.05M	6.09M
Interest Paid on Deposits	37.24M	36.65M	33.22M	29.65M	29.73M
Total Non-Interest Expense	17.40M	15.58M	15.04M	12.98M	15.96M
Other Non-Interest Expense	531.00K	154.00K	206.00K	—	211.00K
Provision for Loan Losses	2.41M	4.09M	1.95M	0.91M	3.51M
Salaries and Employee Benefits	8.60M	7.95M	7.98M	7.71M	7.59M
Occupancy Expenses	1.47M	1.32M	1.34M	1.22M	2.01M
Asset Writedown	—	—	—	—	—
الربحية والعوائد
EBT Excluding Unusual Items	10.01M	5.74M	7.69M	7.72M	7.01M
Pretax Income	10.01M	5.74M	7.69M	7.72M	7.01M
Profit Margin	+24.2%	+26.2%	+19.7%	+35.2%	+16.6%
Net Income	9.69M	5.58M	7.54M	7.30M	6.87M
Net Income to Common	6.63M	5.58M	4.48M	7.30M	3.81M
Net Income Growth	+40.9%	+34.0%	+25.5%	+20.9%	-44.0%
Earnings From Continuing Ops.	9.80M	5.68M	7.61M	7.37M	6.93M
Minority Interest in Earnings	-112.00K	-98.00K	-64.00K	-79.00K	-52.00K
Income Tax Expense	209.00K	62.00K	82.00K	345.00K	80.00K
Effective Tax Rate	+2.1%	+1.1%	+1.1%	+4.5%	+1.1%
بيانات السهم ورأس المال
EPS (Basic)	0.00	0.00	0.00	0.00	0.00
EPS (Diluted)	0.00	0.00	0.00	0.00	0.00
EPS Growth	+73.9%	+34.0%	+31.4%	+20.9%	-60.2%
Dividend Per Share	0.01	—	—	—	0.00
Shares Change (YoY)	—	—	—	0	-0.01
Shares Outstanding (Basic)	1.66B	1.66B	1.66B	1.66B	1.66B
Shares Outstanding (Diluted)	1.66B	1.66B	1.66B	1.66B	1.66B
Dividend Growth	+66.7%	—	—	—	+2.1%
Free Cash Flow	-80.92M	-225.44M	-5.51M	-35.45M	-347.41M
Free Cash Flow Margin	-295.2%	-1,057.4%	-24.2%	-171.3%	-1,512.5%
Free Cash Flow Per Share	-0.05	-0.14	-0.00	-0.02	-0.21
Payout Ratio	+31.7%	+2.2%	+143.5%	+0.3%	+44.8%
Preferred Dividends & Other Adjustments	3.06M	—	3.06M	—	3.06M

قائمة الدخل الميزانية العمومية التدفقات النقدية النسب

النتائج السنوية النتائج الربعية

النتائج الربعية (KWD)

1-5

	Q4 202531 ديسمبر 2025	Q3 202530 سبتمبر 2025	Q2 202530 يونيو 2025	Q1 202531 مارس 2025	Q4 202431 ديسمبر 2024
الملخص التشغيلي
الإيرادات	27.41M	21.32M	22.72M	20.70M	22.97M
إيرادات الفوائد	56.12M	53.97M	49.37M	46.00M	49.88M
مصاريف الفوائد	37.24M	36.65M	33.22M	29.65M	29.73M
الدخل قبل الضريبة	10.01M	5.74M	7.69M	7.72M	7.01M
ضريبة الدخل	209.00K	62.00K	82.00K	345.00K	80.00K
صافي الدخل	6.63M	5.58M	4.48M	7.30M	3.81M
صافي دخل الفوائد	18.88M	17.32M	16.15M	16.35M	20.14M
الإيرادات غير المرتبطة بالفوائد	10.95M	8.09M	8.52M	5.27M	6.33M
المصاريف غير المرتبطة بالفوائد	17.40M	15.58M	15.04M	12.98M	15.96M
مخصص خسائر القروض	2.41M	4.09M	1.95M	0.91M	3.51M
ربحية السهم (أساسي)	0.00	0.00	0.00	0.00	0.00
ربحية السهم (مخفف)	0.00	0.00	0.00	0.00	0.00
الهوامش والكفاءة
هامش صافي الربح %	+24.2%	+26.2%	+19.7%	+35.2%	+16.6%
الإيرادات والدخل
Revenue	27.41M	21.32M	22.72M	20.70M	22.97M
Revenue	27.41M	21.32M	22.72M	20.70M	22.97M
Revenue Growth (YoY)	+19.3%	+20.4%	+20.0%	+15.7%	-13.7%
Revenues Before Loan Losses	29.83M	25.41M	24.67M	21.61M	26.47M
Interest Income on Loans	56.12M	53.97M	49.37M	46.00M	49.88M
Net Interest Income	18.88M	17.32M	16.15M	16.35M	20.14M
Net Interest Income Growth (YoY)	-6.3%	+2.9%	+2.0%	+7.8%	+28.8%
Non-Interest Income Growth (YoY)	+72.9%	+31.8%	+70.9%	-11.3%	+39.1%
Total Non-Interest Income	10.95M	8.09M	8.52M	5.27M	6.33M
Other Non-Interest Income	6.73M	8.09M	8.52M	5.27M	6.09M
Gain (Loss) on Sale of Assets	1.92M	—	—	—	—
Gain (Loss) on Sale of Equity Investments	86.00K	—	—	—	14.00K
Gain (Loss) on Sale of Investments	2.21M	—	—	—	0.23M
المصروفات والمخصصات
Selling, General & Administrative	6.71M	6.11M	5.44M	4.05M	6.09M
Interest Paid on Deposits	37.24M	36.65M	33.22M	29.65M	29.73M
Total Non-Interest Expense	17.40M	15.58M	15.04M	12.98M	15.96M
Other Non-Interest Expense	531.00K	154.00K	206.00K	—	211.00K
Provision for Loan Losses	2.41M	4.09M	1.95M	0.91M	3.51M
Salaries and Employee Benefits	8.60M	7.95M	7.98M	7.71M	7.59M
Occupancy Expenses	1.47M	1.32M	1.34M	1.22M	2.01M
Asset Writedown	—	—	—	—	—
الربحية والعوائد
EBT Excluding Unusual Items	10.01M	5.74M	7.69M	7.72M	7.01M
Pretax Income	10.01M	5.74M	7.69M	7.72M	7.01M
Profit Margin	+24.2%	+26.2%	+19.7%	+35.2%	+16.6%
Net Income	9.69M	5.58M	7.54M	7.30M	6.87M
Net Income to Common	6.63M	5.58M	4.48M	7.30M	3.81M
Net Income Growth	+40.9%	+34.0%	+25.5%	+20.9%	-44.0%
Earnings From Continuing Ops.	9.80M	5.68M	7.61M	7.37M	6.93M
Minority Interest in Earnings	-112.00K	-98.00K	-64.00K	-79.00K	-52.00K
Income Tax Expense	209.00K	62.00K	82.00K	345.00K	80.00K
Effective Tax Rate	+2.1%	+1.1%	+1.1%	+4.5%	+1.1%
بيانات السهم ورأس المال
EPS (Basic)	0.00	0.00	0.00	0.00	0.00
EPS (Diluted)	0.00	0.00	0.00	0.00	0.00
EPS Growth	+73.9%	+34.0%	+31.4%	+20.9%	-60.2%
Dividend Per Share	0.01	—	—	—	0.00
Shares Change (YoY)	—	—	—	0	-0.01
Shares Outstanding (Basic)	1.66B	1.66B	1.66B	1.66B	1.66B
Shares Outstanding (Diluted)	1.66B	1.66B	1.66B	1.66B	1.66B
Dividend Growth	+66.7%	—	—	—	+2.1%
Free Cash Flow	-80.92M	-225.44M	-5.51M	-35.45M	-347.41M
Free Cash Flow Margin	-295.2%	-1,057.4%	-24.2%	-171.3%	-1,512.5%
Free Cash Flow Per Share	-0.05	-0.14	-0.00	-0.02	-0.21
Payout Ratio	+31.7%	+2.2%	+143.5%	+0.3%	+44.8%
Preferred Dividends & Other Adjustments	3.06M	—	3.06M	—	3.06M