Kuwait Finance House

Kuwait Finance House K.S.C.

KFHStocksBoursa KuwaitBanks

Financials

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
Assets
Cash & Equivalents	6.00B	3.45B	3.05B	3.20B	2.89B
Total Assets	42.76B	36.70B	38.01B	36.97B	21.79B
Investment Securities	7.89B	7.32B	7.41B	6.44B	3.03B
Trading Assets	463.61M	378.12M	627.26M	650.23M	448.42M
Gross Loans	25.45B	22.31B	22.52B	21.40B	13.38B
Net Loans	21.82B	19.07B	19.43B	18.80B	11.36B
Allowance for Loan Losses	-945.94M	-933.82M	-947.70M	-925.90M	-651.38M
Liabilities
Total Deposits	21.03B	19.22B	21.81B	21.03B	15.87B
Interest-Bearing Deposits	21.03B	19.22B	21.81B	21.03B	15.87B
Total Debt	13.24B	9.73B	8.71B	8.49B	2.83B
Total Liabilities	35.91B	30.29B	31.85B	30.68B	19.48B
Equity & Ownership
Total Equity	6.84B	6.42B	6.16B	6.29B	2.31B
Shares Outstanding	17,204,880,785	17,204,880,784	17,143,291,178	17,257,563,725	11,922,587,056
Cash & Assets
Total Assets	42.76B	36.70B	38.01B	36.97B	21.79B
Cash & Equivalents	6.00B	3.45B	3.05B	3.20B	2.89B
Net Cash (Debt)	-6.78B	-5.91B	-5.04B	-4.64B	0.50B
Net Cash Per Share	-0.39	-0.34	-0.29	-0.34	0.04
Net Cash Growth	—	—	—	—	+7.4%
Other Receivables	1.26B	1.57B	1.79B	2.55B	1.61B
Restricted Cash	1.50B	1.15B	1.86B	1.45B	1.24B
Property, Plant & Equipment	434.03M	375.64M	358.69M	334.60M	204.44M
Goodwill	2.06B	2.07B	2.10B	2.13B	—
Other Intangible Assets	264.56M	260.55M	298.89M	335.43M	32.35M
Investments in Real Estate	464.84M	458.20M	376.62M	399.87M	325.13M
Other Current Assets	253.67M	258.69M	207.54M	245.52M	254.44M
Other Long-Term Assets	258.63M	265.56M	435.59M	408.25M	346.61M
Long-Term Deferred Tax Assets	—	—	74.63M	28.95M	48.31M
Loans & Investments
Gross Loans	25.45B	22.31B	22.52B	21.40B	13.38B
Net Loans	21.82B	19.07B	19.43B	18.80B	11.36B
Allowance for Loan Losses	-945.94M	-933.82M	-947.70M	-925.90M	-651.38M
Investment Securities	7.89B	7.32B	7.41B	6.44B	3.03B
Trading Asset Securities	463.61M	378.12M	627.26M	650.23M	448.42M
Total Investments	8.35B	7.70B	8.04B	7.09B	3.48B
Other Adjustments to Gross Loans	-2.69B	-2.30B	-2.15B	-1.67B	-1.38B
Liabilities & Obligations
Total Liabilities	35.91B	30.29B	31.85B	30.68B	19.48B
Total Liabilities & Equity	42.76B	36.70B	38.01B	36.97B	21.79B
Accounts Payable	454.77M	299.96M	339.62M	274.31M	247.83M
Accrued Expenses	245.27M	204.76M	192.13M	246.10M	177.37M
Long-Term Unearned Revenue	17.63M	9.79M	10.39M	10.82M	34.31M
Other Current Liabilities	49.13M	55.94M	62.97M	84.34M	72.95M
Other Long-Term Liabilities	753.82M	631.67M	596.60M	434.42M	163.99M
Pension & Post-Retirement Benefits	125.55M	133.28M	117.27M	110.38M	84.62M
Debt & Funding
Total Debt	13.24B	9.73B	8.71B	8.49B	2.83B
Current Portion of Long-Term Debt	10.26B	6.66B	5.72B	5.31B	2.59B
Long-Term Debt	2.86B	3.00B	2.90B	3.11B	0.22B
Short-Term Borrowings	115.08M	69.37M	95.48M	75.08M	21.60M
Total Deposits	21.03B	19.22B	21.81B	21.03B	15.87B
Interest Bearing Deposits	21.03B	19.22B	21.81B	21.03B	15.87B
Equity & Book Value
Shareholders' Equity	6.84B	6.42B	6.16B	6.29B	2.31B
Total Common Equity	6.39B	6.02B	5.82B	5.86B	2.16B
Common Stock	1.85B	1.71B	1.48B	1.34B	0.84B
Additional Paid-In Capital	4.29B	4.29B	3.63B	3.63B	0.74B
Retained Earnings	1.38B	1.25B	1.03B	0.88B	0.70B
Treasury Stock	-822.16M	-822.16M	-113.10M	-41.76M	-27.74M
Comprehensive Income & Other	-302.94M	-401.12M	-204.67M	48.15M	-94.47M
Minority Interest	456.47M	394.85M	345.05M	426.63M	148.70M
Book Value Per Share	0.33	0.32	0.31	0.31	0.16
Tangible Book Value	4.06B	3.70B	3.42B	3.40B	2.13B
Tangible Book Value Per Share	0.20	0.19	0.17	0.17	0.16
Filing Date Shares Outstanding	17.20B	17.20B	17.14B	17.26B	11.92B
Total Common Shares Outstanding	17.20B	17.20B	17.14B	17.26B	11.92B
Supplemental
Other Real Estate Owned & Foreclosed	98.91M	87.16M	—	—	—

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
Assets
Cash & Equivalents	6.00B	3.45B	3.05B	3.20B	2.89B
Total Assets	42.76B	36.70B	38.01B	36.97B	21.79B
Investment Securities	7.89B	7.32B	7.41B	6.44B	3.03B
Trading Assets	463.61M	378.12M	627.26M	650.23M	448.42M
Gross Loans	25.45B	22.31B	22.52B	21.40B	13.38B
Net Loans	21.82B	19.07B	19.43B	18.80B	11.36B
Allowance for Loan Losses	-945.94M	-933.82M	-947.70M	-925.90M	-651.38M
Liabilities
Total Deposits	21.03B	19.22B	21.81B	21.03B	15.87B
Interest-Bearing Deposits	21.03B	19.22B	21.81B	21.03B	15.87B
Total Debt	13.24B	9.73B	8.71B	8.49B	2.83B
Total Liabilities	35.91B	30.29B	31.85B	30.68B	19.48B
Equity & Ownership
Total Equity	6.84B	6.42B	6.16B	6.29B	2.31B
Shares Outstanding	17,204,880,785	17,204,880,784	17,143,291,178	17,257,563,725	11,922,587,056
Cash & Assets
Total Assets	42.76B	36.70B	38.01B	36.97B	21.79B
Cash & Equivalents	6.00B	3.45B	3.05B	3.20B	2.89B
Net Cash (Debt)	-6.78B	-5.91B	-5.04B	-4.64B	0.50B
Net Cash Per Share	-0.39	-0.34	-0.29	-0.34	0.04
Net Cash Growth	—	—	—	—	+7.4%
Other Receivables	1.26B	1.57B	1.79B	2.55B	1.61B
Restricted Cash	1.50B	1.15B	1.86B	1.45B	1.24B
Property, Plant & Equipment	434.03M	375.64M	358.69M	334.60M	204.44M
Goodwill	2.06B	2.07B	2.10B	2.13B	—
Other Intangible Assets	264.56M	260.55M	298.89M	335.43M	32.35M
Investments in Real Estate	464.84M	458.20M	376.62M	399.87M	325.13M
Other Current Assets	253.67M	258.69M	207.54M	245.52M	254.44M
Other Long-Term Assets	258.63M	265.56M	435.59M	408.25M	346.61M
Long-Term Deferred Tax Assets	—	—	74.63M	28.95M	48.31M
Loans & Investments
Gross Loans	25.45B	22.31B	22.52B	21.40B	13.38B
Net Loans	21.82B	19.07B	19.43B	18.80B	11.36B
Allowance for Loan Losses	-945.94M	-933.82M	-947.70M	-925.90M	-651.38M
Investment Securities	7.89B	7.32B	7.41B	6.44B	3.03B
Trading Asset Securities	463.61M	378.12M	627.26M	650.23M	448.42M
Total Investments	8.35B	7.70B	8.04B	7.09B	3.48B
Other Adjustments to Gross Loans	-2.69B	-2.30B	-2.15B	-1.67B	-1.38B
Liabilities & Obligations
Total Liabilities	35.91B	30.29B	31.85B	30.68B	19.48B
Total Liabilities & Equity	42.76B	36.70B	38.01B	36.97B	21.79B
Accounts Payable	454.77M	299.96M	339.62M	274.31M	247.83M
Accrued Expenses	245.27M	204.76M	192.13M	246.10M	177.37M
Long-Term Unearned Revenue	17.63M	9.79M	10.39M	10.82M	34.31M
Other Current Liabilities	49.13M	55.94M	62.97M	84.34M	72.95M
Other Long-Term Liabilities	753.82M	631.67M	596.60M	434.42M	163.99M
Pension & Post-Retirement Benefits	125.55M	133.28M	117.27M	110.38M	84.62M
Debt & Funding
Total Debt	13.24B	9.73B	8.71B	8.49B	2.83B
Current Portion of Long-Term Debt	10.26B	6.66B	5.72B	5.31B	2.59B
Long-Term Debt	2.86B	3.00B	2.90B	3.11B	0.22B
Short-Term Borrowings	115.08M	69.37M	95.48M	75.08M	21.60M
Total Deposits	21.03B	19.22B	21.81B	21.03B	15.87B
Interest Bearing Deposits	21.03B	19.22B	21.81B	21.03B	15.87B
Equity & Book Value
Shareholders' Equity	6.84B	6.42B	6.16B	6.29B	2.31B
Total Common Equity	6.39B	6.02B	5.82B	5.86B	2.16B
Common Stock	1.85B	1.71B	1.48B	1.34B	0.84B
Additional Paid-In Capital	4.29B	4.29B	3.63B	3.63B	0.74B
Retained Earnings	1.38B	1.25B	1.03B	0.88B	0.70B
Treasury Stock	-822.16M	-822.16M	-113.10M	-41.76M	-27.74M
Comprehensive Income & Other	-302.94M	-401.12M	-204.67M	48.15M	-94.47M
Minority Interest	456.47M	394.85M	345.05M	426.63M	148.70M
Book Value Per Share	0.33	0.32	0.31	0.31	0.16
Tangible Book Value	4.06B	3.70B	3.42B	3.40B	2.13B
Tangible Book Value Per Share	0.20	0.19	0.17	0.17	0.16
Filing Date Shares Outstanding	17.20B	17.20B	17.14B	17.26B	11.92B
Total Common Shares Outstanding	17.20B	17.20B	17.14B	17.26B	11.92B
Supplemental
Other Real Estate Owned & Foreclosed	98.91M	87.16M	—	—	—