Burgan Bank

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual (KWD)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	207.98M	191.37M	173.04M	202.62M	150.11M
Interest Income	660.50M	610.31M	448.31M	323.48M	254.12M
Interest Expense	482.59M	452.92M	313.45M	176.01M	125.95M
Pretax Income	58.26M	68.46M	67.62M	74.99M	55.30M
Income Tax	12.48M	17.84M	22.53M	16.44M	6.71M
Net Income	35.66M	37.22M	34.49M	41.42M	37.09M
Net Interest Income	180.45M	158.52M	136.35M	149.47M	129.47M
Non-Interest Income	86.95M	70.93M	84.52M	78.44M	105.28M
Non-Interest Expense	149.72M	122.92M	105.42M	127.63M	94.81M
Loan Loss Provisions	59.42M	38.07M	47.82M	25.29M	84.64M
EPS (Basic)	0.01	0.01	0.01	0.01	0.01
EPS (Diluted)	0.01	0.01	0.01	0.01	0.01
DPS	0.01	0.01	0.01	0.01	0.00
Margins & Efficiency
Net Margin %	+17.1%	+19.4%	+19.9%	+20.4%	+24.7%
Revenue & Income
Revenue	207.98M	191.37M	173.04M	202.62M	150.11M
Revenue	207.98M	191.37M	173.04M	202.62M	150.11M
Revenue Growth (YoY)	+8.7%	+10.6%	-14.6%	+35.0%	+10.1%
Revenues Before Loan Losses	267.40M	229.45M	220.86M	227.91M	234.74M
Interest Income on Investments	2.53M	1.13M	1.48M	2.00M	1.29M
Interest Income on Loans	660.50M	610.31M	448.31M	323.48M	254.12M
Total Interest Income	663.04M	611.44M	449.79M	325.48M	255.41M
Net Interest Income	180.45M	158.52M	136.35M	149.47M	129.47M
Net Interest Income Growth (YoY)	+13.8%	+16.3%	-8.8%	+15.4%	-8.8%
Non-Interest Income Growth (YoY)	+22.6%	-16.1%	+7.7%	-25.5%	+48.6%
Total Non-Interest Income	86.95M	70.93M	84.52M	78.44M	105.28M
Other Non-Interest Income	80.11M	68.94M	77.64M	71.43M	75.68M
Gain (Loss) on Sale of Equity Investments	1.62M	0.25M	0.17M	0.13M	0.45M
Gain (Loss) on Sale of Investments	5.22M	1.75M	6.71M	6.88M	29.15M
Expenses & Provisions
Interest Paid on Deposits	482.59M	452.92M	313.45M	176.01M	125.95M
Total Non-Interest Expense	149.72M	122.92M	105.42M	127.63M	94.81M
Other Non-Interest Expense	54.06M	49.35M	45.73M	74.35M	48.52M
Provision for Loan Losses	59.42M	38.07M	47.82M	25.29M	84.64M
Salaries and Employee Benefits	95.66M	73.56M	59.69M	53.29M	46.29M
Profitability & Returns
EBT Excluding Unusual Items	58.26M	68.46M	67.62M	74.99M	55.30M
Pretax Income	58.26M	68.46M	67.62M	74.99M	55.30M
Profit Margin	+17.1%	+19.4%	+19.9%	+20.4%	+24.7%
Net Income	46.53M	46.44M	43.55M	52.13M	45.39M
Net Income to Common	35.66M	37.22M	34.49M	41.42M	37.09M
Net Income Growth	+0.2%	+6.6%	-16.5%	+14.9%	+34.8%
Earnings From Continuing Ops.	45.78M	50.62M	45.10M	58.55M	48.59M
Minority Interest in Earnings	0.76M	-4.18M	-1.55M	-6.42M	-3.20M
Income Tax Expense	12.48M	17.84M	22.53M	16.44M	6.71M
Effective Tax Rate	+21.4%	+26.1%	+33.3%	+21.9%	+12.1%
Per Share & Capital
EPS (Basic)	0.01	0.01	0.01	0.01	0.01
EPS (Diluted)	0.01	0.01	0.01	0.01	0.01
EPS Growth	-3.9%	+7.9%	-16.7%	+0.8%	+48.1%
Dividend Per Share	0.01	0.01	0.01	0.01	0.00
Shares Change (YoY)	-0	0	0	0.11	0.01
Shares Outstanding (Basic)	3.79B	3.80B	3.80B	3.80B	3.43B
Shares Outstanding (Diluted)	3.79B	3.80B	3.80B	3.80B	3.43B
Dividend Growth	+5.3%	+5.6%	-22.9%	+70.7%	+5.1%
Free Cash Flow	-875.95M	28.38M	-151.33M	-12.19M	-33.40M
Free Cash Flow Margin	-421.2%	+14.8%	-87.5%	-6.0%	-22.3%
Free Cash Flow Per Share	-0.23	0.01	-0.04	-0.00	-0.01
Payout Ratio	+70.0%	+65.9%	+80.6%	+46.9%	+48.0%
Preferred Dividends & Other Adjustments	10.88M	9.22M	9.06M	10.72M	8.30M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (KWD)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	207.98M	191.37M	173.04M	202.62M	150.11M
Interest Income	660.50M	610.31M	448.31M	323.48M	254.12M
Interest Expense	482.59M	452.92M	313.45M	176.01M	125.95M
Pretax Income	58.26M	68.46M	67.62M	74.99M	55.30M
Income Tax	12.48M	17.84M	22.53M	16.44M	6.71M
Net Income	35.66M	37.22M	34.49M	41.42M	37.09M
Net Interest Income	180.45M	158.52M	136.35M	149.47M	129.47M
Non-Interest Income	86.95M	70.93M	84.52M	78.44M	105.28M
Non-Interest Expense	149.72M	122.92M	105.42M	127.63M	94.81M
Loan Loss Provisions	59.42M	38.07M	47.82M	25.29M	84.64M
EPS (Basic)	0.01	0.01	0.01	0.01	0.01
EPS (Diluted)	0.01	0.01	0.01	0.01	0.01
DPS	0.01	0.01	0.01	0.01	0.00
Margins & Efficiency
Net Margin %	+17.1%	+19.4%	+19.9%	+20.4%	+24.7%
Revenue & Income
Revenue	207.98M	191.37M	173.04M	202.62M	150.11M
Revenue	207.98M	191.37M	173.04M	202.62M	150.11M
Revenue Growth (YoY)	+8.7%	+10.6%	-14.6%	+35.0%	+10.1%
Revenues Before Loan Losses	267.40M	229.45M	220.86M	227.91M	234.74M
Interest Income on Investments	2.53M	1.13M	1.48M	2.00M	1.29M
Interest Income on Loans	660.50M	610.31M	448.31M	323.48M	254.12M
Total Interest Income	663.04M	611.44M	449.79M	325.48M	255.41M
Net Interest Income	180.45M	158.52M	136.35M	149.47M	129.47M
Net Interest Income Growth (YoY)	+13.8%	+16.3%	-8.8%	+15.4%	-8.8%
Non-Interest Income Growth (YoY)	+22.6%	-16.1%	+7.7%	-25.5%	+48.6%
Total Non-Interest Income	86.95M	70.93M	84.52M	78.44M	105.28M
Other Non-Interest Income	80.11M	68.94M	77.64M	71.43M	75.68M
Gain (Loss) on Sale of Equity Investments	1.62M	0.25M	0.17M	0.13M	0.45M
Gain (Loss) on Sale of Investments	5.22M	1.75M	6.71M	6.88M	29.15M
Expenses & Provisions
Interest Paid on Deposits	482.59M	452.92M	313.45M	176.01M	125.95M
Total Non-Interest Expense	149.72M	122.92M	105.42M	127.63M	94.81M
Other Non-Interest Expense	54.06M	49.35M	45.73M	74.35M	48.52M
Provision for Loan Losses	59.42M	38.07M	47.82M	25.29M	84.64M
Salaries and Employee Benefits	95.66M	73.56M	59.69M	53.29M	46.29M
Profitability & Returns
EBT Excluding Unusual Items	58.26M	68.46M	67.62M	74.99M	55.30M
Pretax Income	58.26M	68.46M	67.62M	74.99M	55.30M
Profit Margin	+17.1%	+19.4%	+19.9%	+20.4%	+24.7%
Net Income	46.53M	46.44M	43.55M	52.13M	45.39M
Net Income to Common	35.66M	37.22M	34.49M	41.42M	37.09M
Net Income Growth	+0.2%	+6.6%	-16.5%	+14.9%	+34.8%
Earnings From Continuing Ops.	45.78M	50.62M	45.10M	58.55M	48.59M
Minority Interest in Earnings	0.76M	-4.18M	-1.55M	-6.42M	-3.20M
Income Tax Expense	12.48M	17.84M	22.53M	16.44M	6.71M
Effective Tax Rate	+21.4%	+26.1%	+33.3%	+21.9%	+12.1%
Per Share & Capital
EPS (Basic)	0.01	0.01	0.01	0.01	0.01
EPS (Diluted)	0.01	0.01	0.01	0.01	0.01
EPS Growth	-3.9%	+7.9%	-16.7%	+0.8%	+48.1%
Dividend Per Share	0.01	0.01	0.01	0.01	0.00
Shares Change (YoY)	-0	0	0	0.11	0.01
Shares Outstanding (Basic)	3.79B	3.80B	3.80B	3.80B	3.43B
Shares Outstanding (Diluted)	3.79B	3.80B	3.80B	3.80B	3.43B
Dividend Growth	+5.3%	+5.6%	-22.9%	+70.7%	+5.1%
Free Cash Flow	-875.95M	28.38M	-151.33M	-12.19M	-33.40M
Free Cash Flow Margin	-421.2%	+14.8%	-87.5%	-6.0%	-22.3%
Free Cash Flow Per Share	-0.23	0.01	-0.04	-0.00	-0.01
Payout Ratio	+70.0%	+65.9%	+80.6%	+46.9%	+48.0%
Preferred Dividends & Other Adjustments	10.88M	9.22M	9.06M	10.72M	8.30M