Commercial Bank Of Kuwait

Commercial Bank of Kuwait K.S.C.

CBKStocksBoursa KuwaitBanks

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (KWD)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Operating Summary
Revenue	51.90M	46.88M	49.47M	44.87M	90.88M
Interest Income	63.85M	61.90M	61.19M	58.11M	58.09M
Interest Expense	34.27M	31.23M	30.39M	28.92M	29.07M
Pretax Income	33.19M	31.22M	33.84M	29.37M	71.97M
Income Tax	2.22M	1.37M	1.49M	1.34M	3.30M
Net Income	30.96M	29.83M	32.34M	28.02M	68.68M
Net Interest Income	31.62M	31.80M	33.16M	29.19M	30.08M
Non-Interest Income	17.59M	16.48M	15.33M	13.70M	16.74M
Non-Interest Expense	18.71M	15.67M	15.62M	15.50M	18.91M
Loan Loss Provisions	-2.68M	1.40M	-0.98M	-1.98M	-44.06M
EPS (Basic)	0.02	0.02	0.02	0.01	0.03
EPS (Diluted)	0.02	0.02	0.02	0.01	0.03
Margins & Efficiency
Net Margin %	+59.6%	+63.6%	+65.4%	+62.4%	+75.6%
Revenue & Income
Revenue	51.90M	46.88M	49.47M	44.87M	90.88M
Revenue	51.90M	46.88M	49.47M	44.87M	90.88M
Revenue Growth (YoY)	-42.9%	+10.6%	+0.7%	-0.9%	+246.2%
Revenues Before Loan Losses	49.22M	48.28M	48.49M	42.90M	46.82M
Interest Income on Investments	2.04M	1.14M	2.36M	—	1.06M
Interest Income on Loans	63.85M	61.90M	61.19M	58.11M	58.09M
Total Interest Income	65.89M	63.04M	63.55M	58.11M	59.15M
Net Interest Income	31.62M	31.80M	33.16M	29.19M	30.08M
Net Interest Income Growth (YoY)	+5.1%	+8.4%	+3.6%	-2.6%	+2.5%
Non-Interest Income Growth (YoY)	+5.1%	+18.7%	+11.1%	-3.2%	+15.8%
Total Non-Interest Income	17.59M	16.48M	15.33M	13.70M	16.74M
Other Non-Interest Income	17.54M	16.47M	15.32M	13.70M	16.61M
Gain (Loss) on Sale of Investments	55.00K	10.00K	14.00K	1.00K	126.00K
Expenses & Provisions
Selling, General & Administrative	7.75M	6.95M	6.10M	5.83M	8.21M
Interest Paid on Deposits	34.27M	31.23M	30.39M	28.92M	29.07M
Total Non-Interest Expense	18.71M	15.67M	15.62M	15.50M	18.91M
Provision for Loan Losses	-2.68M	1.40M	-0.98M	-1.98M	-44.06M
Salaries and Employee Benefits	9.84M	8.11M	9.08M	9.59M	9.99M
Occupancy Expenses	1.12M	0.61M	0.44M	0.09M	0.71M
Profitability & Returns
EBT Excluding Unusual Items	33.19M	31.22M	33.84M	29.37M	71.97M
Pretax Income	33.19M	31.22M	33.84M	29.37M	71.97M
Profit Margin	+59.6%	+63.6%	+65.4%	+62.4%	+75.6%
Net Income	30.96M	29.83M	32.34M	28.02M	68.68M
Net Income to Common	30.96M	29.83M	32.34M	28.02M	68.68M
Net Income Growth	-54.9%	+15.3%	-5.9%	-1.0%	+471.8%
Earnings From Continuing Ops.	30.97M	29.85M	32.36M	28.03M	68.68M
Minority Interest in Earnings	-13.00K	-17.00K	-11.00K	-12.00K	-3.00K
Income Tax Expense	2.22M	1.37M	1.49M	1.34M	3.30M
Effective Tax Rate	+6.7%	+4.4%	+4.4%	+4.6%	+4.6%
Per Share & Capital
EPS (Basic)	0.02	0.02	0.02	0.01	0.03
EPS (Diluted)	0.02	0.02	0.02	0.01	0.03
EPS Growth	-54.9%	+15.3%	-5.9%	-1.0%	+481.5%
Dividend Per Share	0.03	—	0.01	—	0.04
Shares Change (YoY)	0	0	0	0	-0.02
Shares Outstanding (Basic)	1.97B	1.97B	1.97B	1.97B	1.97B
Shares Outstanding (Diluted)	1.97B	1.97B	1.97B	1.97B	1.97B
Dividend Growth	-31.3%	—	+10.1%	—	+60.4%
Free Cash Flow	-146.32M	-190.82M	16.38M	-262.68M	204.20M
Free Cash Flow Margin	-281.9%	-407.0%	+33.1%	-585.4%	+224.7%
Free Cash Flow Per Share	-0.07	-0.10	0.01	-0.13	0.10
Payout Ratio	—	+79.4%	+221.8%	—	—

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (KWD)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Operating Summary
Revenue	51.90M	46.88M	49.47M	44.87M	90.88M
Interest Income	63.85M	61.90M	61.19M	58.11M	58.09M
Interest Expense	34.27M	31.23M	30.39M	28.92M	29.07M
Pretax Income	33.19M	31.22M	33.84M	29.37M	71.97M
Income Tax	2.22M	1.37M	1.49M	1.34M	3.30M
Net Income	30.96M	29.83M	32.34M	28.02M	68.68M
Net Interest Income	31.62M	31.80M	33.16M	29.19M	30.08M
Non-Interest Income	17.59M	16.48M	15.33M	13.70M	16.74M
Non-Interest Expense	18.71M	15.67M	15.62M	15.50M	18.91M
Loan Loss Provisions	-2.68M	1.40M	-0.98M	-1.98M	-44.06M
EPS (Basic)	0.02	0.02	0.02	0.01	0.03
EPS (Diluted)	0.02	0.02	0.02	0.01	0.03
Margins & Efficiency
Net Margin %	+59.6%	+63.6%	+65.4%	+62.4%	+75.6%
Revenue & Income
Revenue	51.90M	46.88M	49.47M	44.87M	90.88M
Revenue	51.90M	46.88M	49.47M	44.87M	90.88M
Revenue Growth (YoY)	-42.9%	+10.6%	+0.7%	-0.9%	+246.2%
Revenues Before Loan Losses	49.22M	48.28M	48.49M	42.90M	46.82M
Interest Income on Investments	2.04M	1.14M	2.36M	—	1.06M
Interest Income on Loans	63.85M	61.90M	61.19M	58.11M	58.09M
Total Interest Income	65.89M	63.04M	63.55M	58.11M	59.15M
Net Interest Income	31.62M	31.80M	33.16M	29.19M	30.08M
Net Interest Income Growth (YoY)	+5.1%	+8.4%	+3.6%	-2.6%	+2.5%
Non-Interest Income Growth (YoY)	+5.1%	+18.7%	+11.1%	-3.2%	+15.8%
Total Non-Interest Income	17.59M	16.48M	15.33M	13.70M	16.74M
Other Non-Interest Income	17.54M	16.47M	15.32M	13.70M	16.61M
Gain (Loss) on Sale of Investments	55.00K	10.00K	14.00K	1.00K	126.00K
Expenses & Provisions
Selling, General & Administrative	7.75M	6.95M	6.10M	5.83M	8.21M
Interest Paid on Deposits	34.27M	31.23M	30.39M	28.92M	29.07M
Total Non-Interest Expense	18.71M	15.67M	15.62M	15.50M	18.91M
Provision for Loan Losses	-2.68M	1.40M	-0.98M	-1.98M	-44.06M
Salaries and Employee Benefits	9.84M	8.11M	9.08M	9.59M	9.99M
Occupancy Expenses	1.12M	0.61M	0.44M	0.09M	0.71M
Profitability & Returns
EBT Excluding Unusual Items	33.19M	31.22M	33.84M	29.37M	71.97M
Pretax Income	33.19M	31.22M	33.84M	29.37M	71.97M
Profit Margin	+59.6%	+63.6%	+65.4%	+62.4%	+75.6%
Net Income	30.96M	29.83M	32.34M	28.02M	68.68M
Net Income to Common	30.96M	29.83M	32.34M	28.02M	68.68M
Net Income Growth	-54.9%	+15.3%	-5.9%	-1.0%	+471.8%
Earnings From Continuing Ops.	30.97M	29.85M	32.36M	28.03M	68.68M
Minority Interest in Earnings	-13.00K	-17.00K	-11.00K	-12.00K	-3.00K
Income Tax Expense	2.22M	1.37M	1.49M	1.34M	3.30M
Effective Tax Rate	+6.7%	+4.4%	+4.4%	+4.6%	+4.6%
Per Share & Capital
EPS (Basic)	0.02	0.02	0.02	0.01	0.03
EPS (Diluted)	0.02	0.02	0.02	0.01	0.03
EPS Growth	-54.9%	+15.3%	-5.9%	-1.0%	+481.5%
Dividend Per Share	0.03	—	0.01	—	0.04
Shares Change (YoY)	0	0	0	0	-0.02
Shares Outstanding (Basic)	1.97B	1.97B	1.97B	1.97B	1.97B
Shares Outstanding (Diluted)	1.97B	1.97B	1.97B	1.97B	1.97B
Dividend Growth	-31.3%	—	+10.1%	—	+60.4%
Free Cash Flow	-146.32M	-190.82M	16.38M	-262.68M	204.20M
Free Cash Flow Margin	-281.9%	-407.0%	+33.1%	-585.4%	+224.7%
Free Cash Flow Per Share	-0.07	-0.10	0.01	-0.13	0.10
Payout Ratio	—	+79.4%	+221.8%	—	—