GFH Financial Group

GFH Bank B.S.C.

GFHStocksBoursa KuwaitDiversified Financials

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

USD KWD

Quarterly (KWD)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	29.60M	-81.22M	72.41M	72.75M	27.98M
Interest Income	12.38M	15.64M	11.52M	10.90M	10.29M
Interest Expense	11.48M	67.00M	6.70M	6.07M	7.95M
Pretax Income	10.63M	12.56M	10.91M	12.08M	9.50M
Net Income	10.87M	12.03M	10.54M	11.49M	9.33M
Net Interest Income	0.90M	-61.56M	6.77M	11.16M	2.34M
Non-Interest Income	34.37M	-16.26M	68.19M	62.25M	27.45M
Non-Interest Expense	18.97M	-93.78M	61.50M	60.67M	18.48M
Loan Loss Provisions	5.67M	3.41M	2.55M	0.65M	1.80M
EPS (Basic)	0.01	0.01	0.01	0.01	0.01
EPS (Diluted)	0.01	0.01	0.01	0.01	0.01
Margins & Efficiency
Net Margin %	+36.7%	-14.8%	+14.6%	+15.8%	+33.4%
Revenue & Income
Revenue	95.60M	-262.34M	233.86M	234.97M	90.37M
Revenue	95.60M	-262.34M	233.86M	234.97M	90.37M
Revenue Growth (YoY)	+5.8%	—	+17.8%	+17.9%	-55.1%
Revenues Before Loan Losses	113.92M	-251.34M	242.11M	237.08M	96.20M
Trust Income	111.02M	216.61M	134.36M	114.01M	88.65M
Interest Income on Investments	—	-32.92M	6.28M	20.43M	—
Interest Income on Loans	39.97M	50.51M	37.21M	35.22M	33.22M
Total Interest Income	39.97M	17.58M	43.49M	55.65M	33.22M
Net Interest Income	2.90M	-198.82M	21.86M	36.04M	7.54M
Net Interest Income Growth (YoY)	-61.6%	—	-38.1%	+227.3%	-34.2%
Non-Interest Income Growth (YoY)	+25.2%	—	+31.6%	+4.1%	-56.4%
Total Non-Interest Income	111.02M	-52.52M	220.25M	201.04M	88.65M
Other Non-Interest Income	—	-51.29M	15.03M	13.81M	—
Income From Trading Activities	—	-89.95M	25.36M	17.59M	—
Gain (Loss) on Sale of Equity Investments	—	-0.09M	0.37M	-3.18M	—
Gain (Loss) on Sale of Investments	—	-60.58M	0.83M	58.82M	—
Expenses & Provisions
Selling, General & Administrative	—	—	—	—	—
Interest Paid on Deposits	37.08M	216.40M	21.63M	19.61M	25.68M
Total Non-Interest Expense	61.26M	-302.89M	198.63M	195.95M	59.68M
Other Non-Interest Expense	61.26M	-302.89M	198.63M	195.95M	59.68M
Provision for Loan Losses	18.32M	11.00M	8.25M	2.11M	5.82M
Salaries and Employee Benefits	—	—	—	—	—
Profitability & Returns
EBT Excluding Unusual Items	34.34M	40.55M	35.24M	39.02M	30.69M
Pretax Income	34.34M	40.55M	35.24M	39.02M	30.69M
Profit Margin	+36.7%	—	+14.6%	+15.8%	+33.4%
Net Income	35.11M	38.84M	34.03M	37.10M	30.14M
Net Income to Common	35.11M	38.84M	34.03M	37.10M	30.14M
Net Income Growth	+16.5%	+27.1%	+25.1%	+10.4%	+11.1%
Earnings From Continuing Ops.	34.34M	40.55M	35.24M	39.02M	30.69M
Minority Interest in Earnings	0.77M	-1.71M	-1.20M	-1.92M	-0.55M
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	+19.2%	+29.6%	+28.7%	+13.8%	+10.4%
Dividend Per Share	—	0.02	—	0.01	—
Shares Change (YoY)	-0.02	-0.02	-0.03	-0.03	0.01
Shares Outstanding (Basic)	3.46B	3.57B	3.62B	3.49B	3.54B
Shares Outstanding (Diluted)	3.46B	3.57B	3.62B	3.49B	3.54B
Dividend Growth	—	+30.9%	—	—	—
Free Cash Flow	297.93M	261.65M	-281.28M	742.32M	271.82M
Free Cash Flow Margin	+311.7%	—	-120.3%	+315.9%	+300.8%
Free Cash Flow Per Share	0.09	0.07	-0.08	0.21	0.08
Payout Ratio	+8.4%	—	+79.0%	+196.9%	—
Supplemental
Other Unusual Items	—	—	—	—	—

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

USD KWD

Quarterly (KWD)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	29.60M	-81.22M	72.41M	72.75M	27.98M
Interest Income	12.38M	15.64M	11.52M	10.90M	10.29M
Interest Expense	11.48M	67.00M	6.70M	6.07M	7.95M
Pretax Income	10.63M	12.56M	10.91M	12.08M	9.50M
Net Income	10.87M	12.03M	10.54M	11.49M	9.33M
Net Interest Income	0.90M	-61.56M	6.77M	11.16M	2.34M
Non-Interest Income	34.37M	-16.26M	68.19M	62.25M	27.45M
Non-Interest Expense	18.97M	-93.78M	61.50M	60.67M	18.48M
Loan Loss Provisions	5.67M	3.41M	2.55M	0.65M	1.80M
EPS (Basic)	0.01	0.01	0.01	0.01	0.01
EPS (Diluted)	0.01	0.01	0.01	0.01	0.01
Margins & Efficiency
Net Margin %	+36.7%	-14.8%	+14.6%	+15.8%	+33.4%
Revenue & Income
Revenue	95.60M	-262.34M	233.86M	234.97M	90.37M
Revenue	95.60M	-262.34M	233.86M	234.97M	90.37M
Revenue Growth (YoY)	+5.8%	—	+17.8%	+17.9%	-55.1%
Revenues Before Loan Losses	113.92M	-251.34M	242.11M	237.08M	96.20M
Trust Income	111.02M	216.61M	134.36M	114.01M	88.65M
Interest Income on Investments	—	-32.92M	6.28M	20.43M	—
Interest Income on Loans	39.97M	50.51M	37.21M	35.22M	33.22M
Total Interest Income	39.97M	17.58M	43.49M	55.65M	33.22M
Net Interest Income	2.90M	-198.82M	21.86M	36.04M	7.54M
Net Interest Income Growth (YoY)	-61.6%	—	-38.1%	+227.3%	-34.2%
Non-Interest Income Growth (YoY)	+25.2%	—	+31.6%	+4.1%	-56.4%
Total Non-Interest Income	111.02M	-52.52M	220.25M	201.04M	88.65M
Other Non-Interest Income	—	-51.29M	15.03M	13.81M	—
Income From Trading Activities	—	-89.95M	25.36M	17.59M	—
Gain (Loss) on Sale of Equity Investments	—	-0.09M	0.37M	-3.18M	—
Gain (Loss) on Sale of Investments	—	-60.58M	0.83M	58.82M	—
Expenses & Provisions
Selling, General & Administrative	—	—	—	—	—
Interest Paid on Deposits	37.08M	216.40M	21.63M	19.61M	25.68M
Total Non-Interest Expense	61.26M	-302.89M	198.63M	195.95M	59.68M
Other Non-Interest Expense	61.26M	-302.89M	198.63M	195.95M	59.68M
Provision for Loan Losses	18.32M	11.00M	8.25M	2.11M	5.82M
Salaries and Employee Benefits	—	—	—	—	—
Profitability & Returns
EBT Excluding Unusual Items	34.34M	40.55M	35.24M	39.02M	30.69M
Pretax Income	34.34M	40.55M	35.24M	39.02M	30.69M
Profit Margin	+36.7%	—	+14.6%	+15.8%	+33.4%
Net Income	35.11M	38.84M	34.03M	37.10M	30.14M
Net Income to Common	35.11M	38.84M	34.03M	37.10M	30.14M
Net Income Growth	+16.5%	+27.1%	+25.1%	+10.4%	+11.1%
Earnings From Continuing Ops.	34.34M	40.55M	35.24M	39.02M	30.69M
Minority Interest in Earnings	0.77M	-1.71M	-1.20M	-1.92M	-0.55M
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	+19.2%	+29.6%	+28.7%	+13.8%	+10.4%
Dividend Per Share	—	0.02	—	0.01	—
Shares Change (YoY)	-0.02	-0.02	-0.03	-0.03	0.01
Shares Outstanding (Basic)	3.46B	3.57B	3.62B	3.49B	3.54B
Shares Outstanding (Diluted)	3.46B	3.57B	3.62B	3.49B	3.54B
Dividend Growth	—	+30.9%	—	—	—
Free Cash Flow	297.93M	261.65M	-281.28M	742.32M	271.82M
Free Cash Flow Margin	+311.7%	—	-120.3%	+315.9%	+300.8%
Free Cash Flow Per Share	0.09	0.07	-0.08	0.21	0.08
Payout Ratio	+8.4%	—	+79.0%	+196.9%	—
Supplemental
Other Unusual Items	—	—	—	—	—