Boubyan Bank

Boubyan Bank K.S.C.

BOUBYANStocksBoursa KuwaitBanks

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (KWD)

1-5

	Q2 2026Jun 30, 2026	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025
Operating Summary
Revenue	64.27M	66.29M	63.45M	62.77M	61.17M
Interest Income	124.75M	121.91M	125.16M	127.10M	122.49M
Interest Expense	70.06M	69.41M	72.30M	73.15M	69.18M
Pretax Income	31.35M	32.57M	27.34M	29.50M	28.91M
Income Tax	2.81M	5.36M	4.36M	3.77M	3.77M
Net Income	28.32M	23.35M	22.84M	22.39M	25.82M
Net Interest Income	54.68M	52.50M	52.86M	53.94M	53.32M
Non-Interest Income	14.47M	17.60M	14.66M	12.70M	11.41M
Non-Interest Expense	32.91M	33.72M	38.26M	33.27M	33.37M
Loan Loss Provisions	4.89M	3.80M	4.07M	3.87M	3.55M
EPS (Basic)	0.01	0.00	0.00	0.00	0.01
EPS (Diluted)	0.01	0.00	0.00	0.00	0.01
Margins & Efficiency
Net Margin %	+44.1%	+35.2%	+36.0%	+35.7%	+42.2%
Revenue & Income
Revenue	64.27M	66.29M	63.45M	62.77M	61.17M
Revenue	64.27M	66.29M	63.45M	62.77M	61.17M
Revenue Growth (YoY)	+5.1%	+7.0%	+4.2%	+10.3%	+9.7%
Revenues Before Loan Losses	69.15M	70.10M	67.51M	66.65M	64.72M
Interest Income on Loans	124.75M	121.91M	125.16M	127.10M	122.49M
Net Interest Income	54.68M	52.50M	52.86M	53.94M	53.32M
Net Interest Income Growth (YoY)	+2.6%	+6.1%	-0.4%	+4.0%	+9.6%
Non-Interest Income Growth (YoY)	+26.9%	+10.6%	+17.5%	+31.1%	+2.1%
Total Non-Interest Income	14.47M	17.60M	14.66M	12.70M	11.41M
Other Non-Interest Income	13.03M	15.87M	14.14M	11.10M	11.87M
Gain (Loss) on Sale of Assets	—	—	—	-0.04M	—
Gain (Loss) on Sale of Equity Investments	9.00K	-68.00K	-94.00K	12.00K	20.00K
Gain (Loss) on Sale of Investments	1.43M	1.80M	0.61M	1.63M	-0.48M
Expenses & Provisions
Selling, General & Administrative	9.17M	10.62M	14.26M	10.65M	10.14M
Interest Paid on Deposits	70.06M	69.41M	72.30M	73.15M	69.18M
Total Non-Interest Expense	32.91M	33.72M	38.26M	33.27M	33.37M
Provision for Loan Losses	4.89M	3.80M	4.07M	3.87M	3.55M
Salaries and Employee Benefits	18.79M	18.10M	18.99M	17.76M	18.48M
Occupancy Expenses	4.95M	5.01M	5.02M	4.86M	4.75M
Asset Writedown	—	—	2.15M	—	1.12M
Profitability & Returns
EBT Excluding Unusual Items	31.35M	32.57M	25.18M	29.50M	27.80M
Pretax Income	31.35M	32.57M	27.34M	29.50M	28.91M
Profit Margin	+44.1%	+35.2%	+36.0%	+35.7%	+42.2%
Net Income	28.32M	26.40M	22.84M	25.40M	25.82M
Net Income to Common	28.32M	23.35M	22.84M	22.39M	25.82M
Net Income Growth	+9.7%	-0.3%	-1.9%	+6.2%	+4.9%
Earnings From Continuing Ops.	28.54M	27.21M	22.98M	25.73M	25.15M
Minority Interest in Earnings	-0.22M	-0.81M	-0.14M	-0.33M	0.67M
Income Tax Expense	2.81M	5.36M	4.36M	3.77M	3.77M
Effective Tax Rate	+9.0%	+16.5%	+15.9%	+12.8%	+13.0%
Per Share & Capital
EPS (Basic)	0.01	0.00	0.00	0.00	0.01
EPS (Diluted)	0.01	0.00	0.00	0.00	0.01
EPS Growth	+9.7%	-0.4%	-1.9%	+7.1%	+4.9%
Dividend Per Share	—	—	0.01	—	—
Shares Change (YoY)	-0	-0	-0	-0	0
Shares Outstanding (Basic)	4.72B	4.72B	4.72B	4.72B	4.72B
Shares Outstanding (Diluted)	4.72B	4.72B	4.72B	4.72B	4.72B
Dividend Growth	—	—	-27.0%	—	—
Free Cash Flow	-314.92M	-209.97M	-237.86M	-38.97M	-182.17M
Free Cash Flow Margin	-490.0%	-316.7%	-374.9%	-62.1%	-297.8%
Free Cash Flow Per Share	-0.07	-0.04	-0.05	-0.01	-0.04
Payout Ratio	+109.0%	+11.6%	—	+11.9%	+162.7%
Preferred Dividends & Other Adjustments	—	3.06M	—	3.02M	—

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (KWD)

1-5

	Q2 2026Jun 30, 2026	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025
Operating Summary
Revenue	64.27M	66.29M	63.45M	62.77M	61.17M
Interest Income	124.75M	121.91M	125.16M	127.10M	122.49M
Interest Expense	70.06M	69.41M	72.30M	73.15M	69.18M
Pretax Income	31.35M	32.57M	27.34M	29.50M	28.91M
Income Tax	2.81M	5.36M	4.36M	3.77M	3.77M
Net Income	28.32M	23.35M	22.84M	22.39M	25.82M
Net Interest Income	54.68M	52.50M	52.86M	53.94M	53.32M
Non-Interest Income	14.47M	17.60M	14.66M	12.70M	11.41M
Non-Interest Expense	32.91M	33.72M	38.26M	33.27M	33.37M
Loan Loss Provisions	4.89M	3.80M	4.07M	3.87M	3.55M
EPS (Basic)	0.01	0.00	0.00	0.00	0.01
EPS (Diluted)	0.01	0.00	0.00	0.00	0.01
Margins & Efficiency
Net Margin %	+44.1%	+35.2%	+36.0%	+35.7%	+42.2%
Revenue & Income
Revenue	64.27M	66.29M	63.45M	62.77M	61.17M
Revenue	64.27M	66.29M	63.45M	62.77M	61.17M
Revenue Growth (YoY)	+5.1%	+7.0%	+4.2%	+10.3%	+9.7%
Revenues Before Loan Losses	69.15M	70.10M	67.51M	66.65M	64.72M
Interest Income on Loans	124.75M	121.91M	125.16M	127.10M	122.49M
Net Interest Income	54.68M	52.50M	52.86M	53.94M	53.32M
Net Interest Income Growth (YoY)	+2.6%	+6.1%	-0.4%	+4.0%	+9.6%
Non-Interest Income Growth (YoY)	+26.9%	+10.6%	+17.5%	+31.1%	+2.1%
Total Non-Interest Income	14.47M	17.60M	14.66M	12.70M	11.41M
Other Non-Interest Income	13.03M	15.87M	14.14M	11.10M	11.87M
Gain (Loss) on Sale of Assets	—	—	—	-0.04M	—
Gain (Loss) on Sale of Equity Investments	9.00K	-68.00K	-94.00K	12.00K	20.00K
Gain (Loss) on Sale of Investments	1.43M	1.80M	0.61M	1.63M	-0.48M
Expenses & Provisions
Selling, General & Administrative	9.17M	10.62M	14.26M	10.65M	10.14M
Interest Paid on Deposits	70.06M	69.41M	72.30M	73.15M	69.18M
Total Non-Interest Expense	32.91M	33.72M	38.26M	33.27M	33.37M
Provision for Loan Losses	4.89M	3.80M	4.07M	3.87M	3.55M
Salaries and Employee Benefits	18.79M	18.10M	18.99M	17.76M	18.48M
Occupancy Expenses	4.95M	5.01M	5.02M	4.86M	4.75M
Asset Writedown	—	—	2.15M	—	1.12M
Profitability & Returns
EBT Excluding Unusual Items	31.35M	32.57M	25.18M	29.50M	27.80M
Pretax Income	31.35M	32.57M	27.34M	29.50M	28.91M
Profit Margin	+44.1%	+35.2%	+36.0%	+35.7%	+42.2%
Net Income	28.32M	26.40M	22.84M	25.40M	25.82M
Net Income to Common	28.32M	23.35M	22.84M	22.39M	25.82M
Net Income Growth	+9.7%	-0.3%	-1.9%	+6.2%	+4.9%
Earnings From Continuing Ops.	28.54M	27.21M	22.98M	25.73M	25.15M
Minority Interest in Earnings	-0.22M	-0.81M	-0.14M	-0.33M	0.67M
Income Tax Expense	2.81M	5.36M	4.36M	3.77M	3.77M
Effective Tax Rate	+9.0%	+16.5%	+15.9%	+12.8%	+13.0%
Per Share & Capital
EPS (Basic)	0.01	0.00	0.00	0.00	0.01
EPS (Diluted)	0.01	0.00	0.00	0.00	0.01
EPS Growth	+9.7%	-0.4%	-1.9%	+7.1%	+4.9%
Dividend Per Share	—	—	0.01	—	—
Shares Change (YoY)	-0	-0	-0	-0	0
Shares Outstanding (Basic)	4.72B	4.72B	4.72B	4.72B	4.72B
Shares Outstanding (Diluted)	4.72B	4.72B	4.72B	4.72B	4.72B
Dividend Growth	—	—	-27.0%	—	—
Free Cash Flow	-314.92M	-209.97M	-237.86M	-38.97M	-182.17M
Free Cash Flow Margin	-490.0%	-316.7%	-374.9%	-62.1%	-297.8%
Free Cash Flow Per Share	-0.07	-0.04	-0.05	-0.01	-0.04
Payout Ratio	+109.0%	+11.6%	—	+11.9%	+162.7%
Preferred Dividends & Other Adjustments	—	3.06M	—	3.02M	—