GFH Financial Group

GFH Bank B.S.C.

GFHStocksBoursa KuwaitDiversified Financials

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

USD KWD

Quarterly (USD)

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	-262.34M	233.86M	234.97M	206.50M	-217.77M
Interest Income	50.51M	37.21M	35.22M	32.23M	19.15M
Interest Expense	216.40M	21.63M	19.61M	21.73M	188.91M
Pretax Income	40.55M	35.24M	39.02M	30.69M	32.96M
Net Income	38.84M	34.03M	37.10M	30.14M	30.56M
Net Interest Income	-198.82M	21.86M	36.04M	16.71M	-212.05M
Non-Interest Income	-52.52M	220.25M	201.04M	195.62M	-10.11M
Non-Interest Expense	-302.89M	198.63M	195.95M	175.81M	-250.72M
Loan Loss Provisions	11.00M	8.25M	2.11M	5.82M	-4.40M
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 %	-14.8%	+14.6%	+15.8%	+14.6%	-14.0%
Revenue & Income
Revenue	-262.34M	233.86M	234.97M	206.50M	-217.77M
Revenue	-262.34M	233.86M	234.97M	206.50M	-217.77M
Revenue Growth (YoY)	—	+17.8%	+17.9%	+2.7%	—
Revenues Before Loan Losses	-251.34M	242.11M	237.08M	212.32M	-222.16M
Trust Income	216.61M	134.36M	114.01M	99.41M	287.95M
Interest Income on Investments	-32.92M	6.28M	20.43M	6.21M	-42.29M
Interest Income on Loans	50.51M	37.21M	35.22M	32.23M	19.15M
Total Interest Income	17.58M	43.49M	55.65M	38.44M	-23.14M
Net Interest Income	-198.82M	21.86M	36.04M	16.71M	-212.05M
Net Interest Income Growth (YoY)	—	-38.1%	+227.3%	+45.6%	—
Non-Interest Income Growth (YoY)	—	+31.6%	+4.1%	-3.8%	—
Total Non-Interest Income	-52.52M	220.25M	201.04M	195.62M	-10.11M
Other Non-Interest Income	-51.29M	15.03M	13.81M	22.45M	-49.65M
Income From Trading Activities	-89.95M	25.36M	17.59M	47.00M	-91.11M
Gain (Loss) on Sale of Equity Investments	-0.09M	0.37M	-3.18M	2.90M	-16.95M
Gain (Loss) on Sale of Investments	-60.58M	0.83M	58.82M	0.93M	-88.12M
Expenses & Provisions
Selling, General & Administrative	—	—	—	—	—
Interest Paid on Deposits	216.40M	21.63M	19.61M	21.73M	188.91M
Total Non-Interest Expense	-302.89M	198.63M	195.95M	175.81M	-250.72M
Other Non-Interest Expense	-302.89M	198.63M	195.95M	175.81M	-250.72M
Provision for Loan Losses	11.00M	8.25M	2.11M	5.82M	-4.40M
Salaries and Employee Benefits	—	—	—	—	—
Profitability & Returns
EBT Excluding Unusual Items	40.55M	35.24M	39.02M	30.69M	32.96M
Pretax Income	40.55M	35.24M	39.02M	30.69M	32.96M
Profit Margin	—	+14.6%	+15.8%	+14.6%	—
Net Income	38.84M	34.03M	37.10M	30.14M	30.56M
Net Income to Common	38.84M	34.03M	37.10M	30.14M	30.56M
Net Income Growth	+27.1%	+25.1%	+10.4%	+11.1%	+27.6%
Earnings From Continuing Ops.	40.55M	35.24M	39.02M	30.69M	32.96M
Minority Interest in Earnings	-1.71M	-1.20M	-1.92M	-0.55M	-2.40M
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	+29.6%	+28.7%	+13.8%	+10.4%	+21.9%
Dividend Per Share	0.02	—	0.01	—	0.02
Shares Change (YoY)	-0.02	-0.03	-0.03	0.01	0.05
Shares Outstanding (Basic)	3.57B	3.62B	3.49B	3.54B	3.64B
Shares Outstanding (Diluted)	3.57B	3.62B	3.49B	3.54B	3.64B
Dividend Growth	+30.9%	—	—	—	—
Free Cash Flow	261.65M	-281.28M	742.32M	-274.38M	336.96M
Free Cash Flow Margin	—	-120.3%	+315.9%	-132.9%	—
Free Cash Flow Per Share	0.07	-0.08	0.21	-0.08	0.09
Payout Ratio	—	+79.0%	+196.9%	—	+5.8%
Supplemental
Other Unusual Items	—	—	—	—	—

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

USD KWD

Quarterly (USD)

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	-262.34M	233.86M	234.97M	206.50M	-217.77M
Interest Income	50.51M	37.21M	35.22M	32.23M	19.15M
Interest Expense	216.40M	21.63M	19.61M	21.73M	188.91M
Pretax Income	40.55M	35.24M	39.02M	30.69M	32.96M
Net Income	38.84M	34.03M	37.10M	30.14M	30.56M
Net Interest Income	-198.82M	21.86M	36.04M	16.71M	-212.05M
Non-Interest Income	-52.52M	220.25M	201.04M	195.62M	-10.11M
Non-Interest Expense	-302.89M	198.63M	195.95M	175.81M	-250.72M
Loan Loss Provisions	11.00M	8.25M	2.11M	5.82M	-4.40M
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 %	-14.8%	+14.6%	+15.8%	+14.6%	-14.0%
Revenue & Income
Revenue	-262.34M	233.86M	234.97M	206.50M	-217.77M
Revenue	-262.34M	233.86M	234.97M	206.50M	-217.77M
Revenue Growth (YoY)	—	+17.8%	+17.9%	+2.7%	—
Revenues Before Loan Losses	-251.34M	242.11M	237.08M	212.32M	-222.16M
Trust Income	216.61M	134.36M	114.01M	99.41M	287.95M
Interest Income on Investments	-32.92M	6.28M	20.43M	6.21M	-42.29M
Interest Income on Loans	50.51M	37.21M	35.22M	32.23M	19.15M
Total Interest Income	17.58M	43.49M	55.65M	38.44M	-23.14M
Net Interest Income	-198.82M	21.86M	36.04M	16.71M	-212.05M
Net Interest Income Growth (YoY)	—	-38.1%	+227.3%	+45.6%	—
Non-Interest Income Growth (YoY)	—	+31.6%	+4.1%	-3.8%	—
Total Non-Interest Income	-52.52M	220.25M	201.04M	195.62M	-10.11M
Other Non-Interest Income	-51.29M	15.03M	13.81M	22.45M	-49.65M
Income From Trading Activities	-89.95M	25.36M	17.59M	47.00M	-91.11M
Gain (Loss) on Sale of Equity Investments	-0.09M	0.37M	-3.18M	2.90M	-16.95M
Gain (Loss) on Sale of Investments	-60.58M	0.83M	58.82M	0.93M	-88.12M
Expenses & Provisions
Selling, General & Administrative	—	—	—	—	—
Interest Paid on Deposits	216.40M	21.63M	19.61M	21.73M	188.91M
Total Non-Interest Expense	-302.89M	198.63M	195.95M	175.81M	-250.72M
Other Non-Interest Expense	-302.89M	198.63M	195.95M	175.81M	-250.72M
Provision for Loan Losses	11.00M	8.25M	2.11M	5.82M	-4.40M
Salaries and Employee Benefits	—	—	—	—	—
Profitability & Returns
EBT Excluding Unusual Items	40.55M	35.24M	39.02M	30.69M	32.96M
Pretax Income	40.55M	35.24M	39.02M	30.69M	32.96M
Profit Margin	—	+14.6%	+15.8%	+14.6%	—
Net Income	38.84M	34.03M	37.10M	30.14M	30.56M
Net Income to Common	38.84M	34.03M	37.10M	30.14M	30.56M
Net Income Growth	+27.1%	+25.1%	+10.4%	+11.1%	+27.6%
Earnings From Continuing Ops.	40.55M	35.24M	39.02M	30.69M	32.96M
Minority Interest in Earnings	-1.71M	-1.20M	-1.92M	-0.55M	-2.40M
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	+29.6%	+28.7%	+13.8%	+10.4%	+21.9%
Dividend Per Share	0.02	—	0.01	—	0.02
Shares Change (YoY)	-0.02	-0.03	-0.03	0.01	0.05
Shares Outstanding (Basic)	3.57B	3.62B	3.49B	3.54B	3.64B
Shares Outstanding (Diluted)	3.57B	3.62B	3.49B	3.54B	3.64B
Dividend Growth	+30.9%	—	—	—	—
Free Cash Flow	261.65M	-281.28M	742.32M	-274.38M	336.96M
Free Cash Flow Margin	—	-120.3%	+315.9%	-132.9%	—
Free Cash Flow Per Share	0.07	-0.08	0.21	-0.08	0.09
Payout Ratio	—	+79.0%	+196.9%	—	+5.8%
Supplemental
Other Unusual Items	—	—	—	—	—