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	193.12M	227.68M	170.03M	114.08M	100.72M
Interest Income	245.05M	237.71M	217.51M	130.89M	98.18M
Interest Expense	124.81M	120.05M	104.46M	45.34M	23.93M
Pretax Income	127.63M	164.69M	116.41M	76.98M	57.16M
Income Tax	6.42M	7.46M	5.24M	3.37M	2.42M
Net Income	121.15M	157.20M	111.15M	73.59M	54.64M
Net Interest Income	125.77M	121.40M	116.80M	88.75M	77.90M
Non-Interest Income	63.11M	58.57M	53.37M	51.11M	46.96M
Non-Interest Expense	65.50M	62.99M	53.62M	37.09M	43.56M
Loan Loss Provisions	-4.24M	-47.71M	0.14M	25.79M	24.15M
EPS (Basic)	0.06	0.08	0.05	0.03	0.03
EPS (Diluted)	0.06	0.08	0.05	0.03	0.03
DPS	0.04	0.05	0.03	0.02	0.02
Margins & Efficiency
Net Margin %	+62.7%	+69.0%	+65.4%	+64.5%	+54.3%
Revenue & Income
Revenue	193.12M	227.68M	170.03M	114.08M	100.72M
Revenue	193.12M	227.68M	170.03M	114.08M	100.72M
Revenue Growth (YoY)	-15.2%	+33.9%	+49.1%	+13.3%	+150.5%
Revenues Before Loan Losses	188.88M	179.97M	170.17M	139.87M	124.86M
Interest Income on Investments	5.54M	3.74M	3.75M	3.20M	3.65M
Interest Income on Loans	245.05M	237.71M	217.51M	130.89M	98.18M
Total Interest Income	250.59M	241.45M	221.26M	134.09M	101.83M
Net Interest Income	125.77M	121.40M	116.80M	88.75M	77.90M
Net Interest Income Growth (YoY)	+3.6%	+3.9%	+31.6%	+13.9%	-5.7%
Non-Interest Income Growth (YoY)	+7.8%	+9.7%	+4.4%	+8.8%	-4.2%
Total Non-Interest Income	63.11M	58.57M	53.37M	51.11M	46.96M
Other Non-Interest Income	63.03M	58.45M	53.26M	51.06M	46.17M
Gain (Loss) on Sale of Investments	80.00K	117.00K	110.00K	54.00K	791.00K
Expenses & Provisions
Selling, General & Administrative	26.63M	25.83M	22.04M	17.31M	14.42M
Interest Paid on Deposits	124.81M	120.05M	104.46M	45.34M	23.93M
Total Non-Interest Expense	65.50M	62.99M	53.62M	37.09M	43.56M
Provision for Loan Losses	-4.24M	-47.71M	0.14M	25.79M	24.15M
Salaries and Employee Benefits	36.61M	35.60M	28.86M	17.87M	27.15M
Occupancy Expenses	2.26M	1.56M	2.73M	1.91M	1.99M
Profitability & Returns
EBT Excluding Unusual Items	127.63M	164.69M	116.41M	76.98M	57.16M
Pretax Income	127.63M	164.69M	116.41M	76.98M	57.16M
Profit Margin	+62.7%	+69.0%	+65.4%	+64.5%	+54.3%
Net Income	121.15M	157.20M	111.15M	73.59M	54.64M
Net Income to Common	121.15M	157.20M	111.15M	73.59M	54.64M
Net Income Growth	-22.9%	+41.4%	+51.1%	+34.7%	—
Earnings From Continuing Ops.	121.20M	157.23M	111.18M	73.61M	54.74M
Minority Interest in Earnings	-53.00K	-31.00K	-25.00K	-29.00K	-97.00K
Income Tax Expense	6.42M	7.46M	5.24M	3.37M	2.42M
Effective Tax Rate	+5.0%	+4.5%	+4.5%	+4.4%	+4.2%
Per Share & Capital
EPS (Basic)	0.06	0.08	0.05	0.03	0.03
EPS (Diluted)	0.06	0.08	0.05	0.03	0.03
EPS Growth	-23.0%	+46.4%	+60.8%	+33.9%	—
Dividend Per Share	0.04	0.05	0.03	0.02	0.02
Shares Change (YoY)	0	-0.03	-0.06	0.01	-0.01
Shares Outstanding (Basic)	1.97B	1.97B	2.04B	2.17B	2.16B
Shares Outstanding (Diluted)	1.97B	1.97B	2.04B	2.17B	2.16B
Dividend Growth	-21.8%	+40.8%	+48.0%	+24.7%	—
Free Cash Flow	-583.44M	174.83M	41.57M	-212.24M	88.52M
Free Cash Flow Margin	-302.1%	+76.8%	+24.5%	-186.1%	+87.9%
Free Cash Flow Per Share	-0.30	0.09	0.02	-0.10	0.04
Payout Ratio	+78.8%	+42.2%	+62.4%	+53.8%	—

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	193.12M	227.68M	170.03M	114.08M	100.72M
Interest Income	245.05M	237.71M	217.51M	130.89M	98.18M
Interest Expense	124.81M	120.05M	104.46M	45.34M	23.93M
Pretax Income	127.63M	164.69M	116.41M	76.98M	57.16M
Income Tax	6.42M	7.46M	5.24M	3.37M	2.42M
Net Income	121.15M	157.20M	111.15M	73.59M	54.64M
Net Interest Income	125.77M	121.40M	116.80M	88.75M	77.90M
Non-Interest Income	63.11M	58.57M	53.37M	51.11M	46.96M
Non-Interest Expense	65.50M	62.99M	53.62M	37.09M	43.56M
Loan Loss Provisions	-4.24M	-47.71M	0.14M	25.79M	24.15M
EPS (Basic)	0.06	0.08	0.05	0.03	0.03
EPS (Diluted)	0.06	0.08	0.05	0.03	0.03
DPS	0.04	0.05	0.03	0.02	0.02
Margins & Efficiency
Net Margin %	+62.7%	+69.0%	+65.4%	+64.5%	+54.3%
Revenue & Income
Revenue	193.12M	227.68M	170.03M	114.08M	100.72M
Revenue	193.12M	227.68M	170.03M	114.08M	100.72M
Revenue Growth (YoY)	-15.2%	+33.9%	+49.1%	+13.3%	+150.5%
Revenues Before Loan Losses	188.88M	179.97M	170.17M	139.87M	124.86M
Interest Income on Investments	5.54M	3.74M	3.75M	3.20M	3.65M
Interest Income on Loans	245.05M	237.71M	217.51M	130.89M	98.18M
Total Interest Income	250.59M	241.45M	221.26M	134.09M	101.83M
Net Interest Income	125.77M	121.40M	116.80M	88.75M	77.90M
Net Interest Income Growth (YoY)	+3.6%	+3.9%	+31.6%	+13.9%	-5.7%
Non-Interest Income Growth (YoY)	+7.8%	+9.7%	+4.4%	+8.8%	-4.2%
Total Non-Interest Income	63.11M	58.57M	53.37M	51.11M	46.96M
Other Non-Interest Income	63.03M	58.45M	53.26M	51.06M	46.17M
Gain (Loss) on Sale of Investments	80.00K	117.00K	110.00K	54.00K	791.00K
Expenses & Provisions
Selling, General & Administrative	26.63M	25.83M	22.04M	17.31M	14.42M
Interest Paid on Deposits	124.81M	120.05M	104.46M	45.34M	23.93M
Total Non-Interest Expense	65.50M	62.99M	53.62M	37.09M	43.56M
Provision for Loan Losses	-4.24M	-47.71M	0.14M	25.79M	24.15M
Salaries and Employee Benefits	36.61M	35.60M	28.86M	17.87M	27.15M
Occupancy Expenses	2.26M	1.56M	2.73M	1.91M	1.99M
Profitability & Returns
EBT Excluding Unusual Items	127.63M	164.69M	116.41M	76.98M	57.16M
Pretax Income	127.63M	164.69M	116.41M	76.98M	57.16M
Profit Margin	+62.7%	+69.0%	+65.4%	+64.5%	+54.3%
Net Income	121.15M	157.20M	111.15M	73.59M	54.64M
Net Income to Common	121.15M	157.20M	111.15M	73.59M	54.64M
Net Income Growth	-22.9%	+41.4%	+51.1%	+34.7%	—
Earnings From Continuing Ops.	121.20M	157.23M	111.18M	73.61M	54.74M
Minority Interest in Earnings	-53.00K	-31.00K	-25.00K	-29.00K	-97.00K
Income Tax Expense	6.42M	7.46M	5.24M	3.37M	2.42M
Effective Tax Rate	+5.0%	+4.5%	+4.5%	+4.4%	+4.2%
Per Share & Capital
EPS (Basic)	0.06	0.08	0.05	0.03	0.03
EPS (Diluted)	0.06	0.08	0.05	0.03	0.03
EPS Growth	-23.0%	+46.4%	+60.8%	+33.9%	—
Dividend Per Share	0.04	0.05	0.03	0.02	0.02
Shares Change (YoY)	0	-0.03	-0.06	0.01	-0.01
Shares Outstanding (Basic)	1.97B	1.97B	2.04B	2.17B	2.16B
Shares Outstanding (Diluted)	1.97B	1.97B	2.04B	2.17B	2.16B
Dividend Growth	-21.8%	+40.8%	+48.0%	+24.7%	—
Free Cash Flow	-583.44M	174.83M	41.57M	-212.24M	88.52M
Free Cash Flow Margin	-302.1%	+76.8%	+24.5%	-186.1%	+87.9%
Free Cash Flow Per Share	-0.30	0.09	0.02	-0.10	0.04
Payout Ratio	+78.8%	+42.2%	+62.4%	+53.8%	—

Financials

Annual (KWD)

Commercial Bank Of Kuwait

Annual (KWD)