GFH Financial Group

GFH Bank B.S.C.

GFHStocksBoursa KuwaitDiversified Financials

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

USD KWD

Annual (USD)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Assets
Cash & Equivalents	1.13B	1.17B	1.69B	1.04B	0.86B
Total Assets	12.20B	11.03B	11.12B	9.76B	8.08B
Investment Securities	1.70B	1.84B	1.43B	2.21B	0.76B
Trading Assets	882.59M	411.73M	451.33M	19.98M	17.33M
Gross Loans	2.66B	2.16B	1.67B	1.58B	1.47B
Net Loans	2.54B	2.06B	1.55B	1.46B	1.35B
Allowance for Loan Losses	-47.45M	-56.89M	-71.98M	-64.37M	-71.45M
Liabilities
Total Deposits	—	—	203.70M	131.23M	133.05M
Non-Interest-Bearing Deposits	—	—	203.70M	131.23M	133.05M
Total Debt	6.85B	5.99B	5.41B	6.80B	4.80B
Total Liabilities	11.06B	9.92B	10.05B	8.69B	6.92B
Equity & Ownership
Total Equity	1.14B	1.12B	1.07B	1.07B	1.17B
Shares Outstanding	3,507,763,846	3,574,249,219	3,479,137,028	3,491,443,070	3,615,615,922
Cash & Assets
Total Assets	12.20B	11.03B	11.12B	9.76B	8.08B
Cash & Equivalents	1.13B	1.17B	1.69B	1.04B	0.86B
Net Cash (Debt)	-4.73B	-4.21B	-3.20B	-5.73B	-3.92B
Net Cash Per Share	-1.32	-1.16	-0.92	-1.67	-1.15
Other Receivables	544.62M	751.11M	512.04M	292.90M	231.61M
Restricted Cash	93.28M	84.77M	75.31M	68.42M	40.56M
Property, Plant & Equipment	54.80M	57.22M	229.53M	232.74M	139.69M
Other Intangible Assets	71.56M	72.69M	45.19M	—	—
Investments in Real Estate	1.60B	1.39B	1.37B	1.29B	1.91B
Other Current Assets	378.07M	344.67M	599.44M	270.23M	257.50M
Other Long-Term Assets	3.21B	2.85B	3.17B	2.88B	2.52B
Long-Term Leases	—	—	—	17.60M	20.09M
Loans & Investments
Gross Loans	2.66B	2.16B	1.67B	1.58B	1.47B
Net Loans	2.54B	2.06B	1.55B	1.46B	1.35B
Allowance for Loan Losses	-47.45M	-56.89M	-71.98M	-64.37M	-71.45M
Investment Securities	1.70B	1.84B	1.43B	2.21B	0.76B
Trading Asset Securities	882.59M	411.73M	451.33M	19.98M	17.33M
Total Investments	2.58B	2.25B	1.88B	2.23B	0.78B
Other Adjustments to Gross Loans	-77.66M	-38.10M	-41.73M	-50.13M	-46.13M
Liabilities & Obligations
Total Liabilities	11.06B	9.92B	10.05B	8.69B	6.92B
Total Liabilities & Equity	12.20B	11.03B	11.12B	9.76B	8.08B
Accounts Payable	109.97M	61.61M	45.51M	127.88M	136.84M
Accrued Expenses	100.50M	68.50M	88.02M	120.69M	169.37M
Accrued Interest Payable	16.19M	14.24M	22.81M	13.18M	12.99M
Current Income Taxes Payable	9.39M	10.38M	6.33M	0.75M	0.95M
Long-Term Unearned Revenue	9.90M	3.65M	32.24M	6.65M	70.05M
Other Current Liabilities	110.80M	360.15M	439.10M	129.55M	223.84M
Other Long-Term Liabilities	3.85B	3.40B	3.80B	1.36B	1.37B
Pension & Post-Retirement Benefits	6.00M	6.51M	4.89M	—	—
Debt & Funding
Total Debt	6.85B	5.99B	5.41B	6.80B	4.80B
Current Portion of Long-Term Debt	4.84B	4.14B	3.42B	4.05B	2.76B
Long-Term Debt	2.01B	1.85B	1.99B	2.73B	2.03B
Total Deposits	—	—	203.70M	131.23M	133.05M
Non-Interest Bearing Deposits	—	—	203.70M	131.23M	133.05M
Equity & Book Value
Shareholders' Equity	1.14B	1.12B	1.07B	1.07B	1.17B
Total Common Equity	1.02B	0.98B	0.99B	1.00B	0.96B
Common Stock	1.02B	1.02B	1.02B	1.02B	1.00B
Retained Earnings	180.74M	116.29M	153.35M	132.83M	109.78M
Treasury Stock	-158.58M	-90.69M	-125.53M	-105.60M	-48.50M
Comprehensive Income & Other	-17.03M	-60.30M	-53.92M	-46.27M	-98.83M
Minority Interest	116.45M	134.16M	84.82M	74.79M	205.03M
Book Value Per Share	0.29	0.27	0.28	0.29	0.27
Tangible Book Value	949.21M	908.24M	944.35M	996.60M	963.09M
Tangible Book Value Per Share	0.27	0.25	0.27	0.29	0.27
Filing Date Shares Outstanding	3.51B	3.57B	3.48B	3.49B	3.62B
Total Common Shares Outstanding	3.51B	3.57B	3.48B	3.49B	3.62B

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

USD KWD

Annual (USD)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Assets
Cash & Equivalents	1.13B	1.17B	1.69B	1.04B	0.86B
Total Assets	12.20B	11.03B	11.12B	9.76B	8.08B
Investment Securities	1.70B	1.84B	1.43B	2.21B	0.76B
Trading Assets	882.59M	411.73M	451.33M	19.98M	17.33M
Gross Loans	2.66B	2.16B	1.67B	1.58B	1.47B
Net Loans	2.54B	2.06B	1.55B	1.46B	1.35B
Allowance for Loan Losses	-47.45M	-56.89M	-71.98M	-64.37M	-71.45M
Liabilities
Total Deposits	—	—	203.70M	131.23M	133.05M
Non-Interest-Bearing Deposits	—	—	203.70M	131.23M	133.05M
Total Debt	6.85B	5.99B	5.41B	6.80B	4.80B
Total Liabilities	11.06B	9.92B	10.05B	8.69B	6.92B
Equity & Ownership
Total Equity	1.14B	1.12B	1.07B	1.07B	1.17B
Shares Outstanding	3,507,763,846	3,574,249,219	3,479,137,028	3,491,443,070	3,615,615,922
Cash & Assets
Total Assets	12.20B	11.03B	11.12B	9.76B	8.08B
Cash & Equivalents	1.13B	1.17B	1.69B	1.04B	0.86B
Net Cash (Debt)	-4.73B	-4.21B	-3.20B	-5.73B	-3.92B
Net Cash Per Share	-1.32	-1.16	-0.92	-1.67	-1.15
Other Receivables	544.62M	751.11M	512.04M	292.90M	231.61M
Restricted Cash	93.28M	84.77M	75.31M	68.42M	40.56M
Property, Plant & Equipment	54.80M	57.22M	229.53M	232.74M	139.69M
Other Intangible Assets	71.56M	72.69M	45.19M	—	—
Investments in Real Estate	1.60B	1.39B	1.37B	1.29B	1.91B
Other Current Assets	378.07M	344.67M	599.44M	270.23M	257.50M
Other Long-Term Assets	3.21B	2.85B	3.17B	2.88B	2.52B
Long-Term Leases	—	—	—	17.60M	20.09M
Loans & Investments
Gross Loans	2.66B	2.16B	1.67B	1.58B	1.47B
Net Loans	2.54B	2.06B	1.55B	1.46B	1.35B
Allowance for Loan Losses	-47.45M	-56.89M	-71.98M	-64.37M	-71.45M
Investment Securities	1.70B	1.84B	1.43B	2.21B	0.76B
Trading Asset Securities	882.59M	411.73M	451.33M	19.98M	17.33M
Total Investments	2.58B	2.25B	1.88B	2.23B	0.78B
Other Adjustments to Gross Loans	-77.66M	-38.10M	-41.73M	-50.13M	-46.13M
Liabilities & Obligations
Total Liabilities	11.06B	9.92B	10.05B	8.69B	6.92B
Total Liabilities & Equity	12.20B	11.03B	11.12B	9.76B	8.08B
Accounts Payable	109.97M	61.61M	45.51M	127.88M	136.84M
Accrued Expenses	100.50M	68.50M	88.02M	120.69M	169.37M
Accrued Interest Payable	16.19M	14.24M	22.81M	13.18M	12.99M
Current Income Taxes Payable	9.39M	10.38M	6.33M	0.75M	0.95M
Long-Term Unearned Revenue	9.90M	3.65M	32.24M	6.65M	70.05M
Other Current Liabilities	110.80M	360.15M	439.10M	129.55M	223.84M
Other Long-Term Liabilities	3.85B	3.40B	3.80B	1.36B	1.37B
Pension & Post-Retirement Benefits	6.00M	6.51M	4.89M	—	—
Debt & Funding
Total Debt	6.85B	5.99B	5.41B	6.80B	4.80B
Current Portion of Long-Term Debt	4.84B	4.14B	3.42B	4.05B	2.76B
Long-Term Debt	2.01B	1.85B	1.99B	2.73B	2.03B
Total Deposits	—	—	203.70M	131.23M	133.05M
Non-Interest Bearing Deposits	—	—	203.70M	131.23M	133.05M
Equity & Book Value
Shareholders' Equity	1.14B	1.12B	1.07B	1.07B	1.17B
Total Common Equity	1.02B	0.98B	0.99B	1.00B	0.96B
Common Stock	1.02B	1.02B	1.02B	1.02B	1.00B
Retained Earnings	180.74M	116.29M	153.35M	132.83M	109.78M
Treasury Stock	-158.58M	-90.69M	-125.53M	-105.60M	-48.50M
Comprehensive Income & Other	-17.03M	-60.30M	-53.92M	-46.27M	-98.83M
Minority Interest	116.45M	134.16M	84.82M	74.79M	205.03M
Book Value Per Share	0.29	0.27	0.28	0.29	0.27
Tangible Book Value	949.21M	908.24M	944.35M	996.60M	963.09M
Tangible Book Value Per Share	0.27	0.25	0.27	0.29	0.27
Filing Date Shares Outstanding	3.51B	3.57B	3.48B	3.49B	3.62B
Total Common Shares Outstanding	3.51B	3.57B	3.48B	3.49B	3.62B