Kuwait International Bank

Kuwait International Bank KSC

KIBStocksBoursa 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
Operating Summary
Revenue	92.16M	77.50M	67.97M	59.75M	52.83M
Interest Income	205.46M	185.46M	171.59M	113.79M	82.08M
Interest Expense	136.76M	117.48M	118.72M	70.14M	32.05M
Pretax Income	30.89M	23.59M	19.46M	13.85M	11.18M
Income Tax	431.00K	246.00K	201.00K	151.00K	105.00K
Net Income	23.99M	17.42M	13.87M	8.39M	5.78M
Net Interest Income	68.71M	67.98M	52.88M	43.65M	50.04M
Non-Interest Income	32.82M	23.39M	19.77M	18.87M	16.75M
Non-Interest Expense	61.27M	53.91M	48.51M	45.90M	41.58M
Loan Loss Provisions	9.37M	13.87M	4.68M	2.77M	13.96M
EPS (Basic)	0.01	0.01	0.01	0.01	0.00
EPS (Diluted)	0.01	0.01	0.01	0.01	0.00
DPS	0.01	0.00	0.00	0.00	0.00
Margins & Efficiency
Net Margin %	+26.0%	+22.5%	+20.4%	+14.0%	+10.9%
Revenue & Income
Revenue	92.16M	77.50M	67.97M	59.75M	52.83M
Revenue	92.16M	77.50M	67.97M	59.75M	52.83M
Revenue Growth (YoY)	+18.9%	+14.0%	+13.7%	+13.1%	+56.7%
Revenues Before Loan Losses	101.53M	91.37M	72.65M	62.52M	66.79M
Interest Income on Loans	205.46M	185.46M	171.59M	113.79M	82.08M
Net Interest Income	68.71M	67.98M	52.88M	43.65M	50.04M
Net Interest Income Growth (YoY)	+1.1%	+28.6%	+21.1%	-12.8%	+2.5%
Non-Interest Income Growth (YoY)	+40.3%	+18.3%	+4.8%	+12.6%	+45.5%
Total Non-Interest Income	32.82M	23.39M	19.77M	18.87M	16.75M
Other Non-Interest Income	28.60M	23.15M	17.38M	16.30M	15.35M
Gain (Loss) on Sale of Assets	1.92M	—	2.48M	2.64M	—
Gain (Loss) on Sale of Equity Investments	86.00K	14.00K	163.00K	79.00K	131.00K
Gain (Loss) on Sale of Investments	2.21M	0.23M	-0.24M	-0.16M	1.27M
Expenses & Provisions
Selling, General & Administrative	22.31M	18.90M	17.13M	15.87M	14.23M
Interest Paid on Deposits	136.76M	117.48M	118.72M	70.14M	32.05M
Total Non-Interest Expense	61.27M	53.91M	48.51M	45.90M	41.58M
Other Non-Interest Expense	1.09M	0.63M	0.55M	0.42M	0.29M
Provision for Loan Losses	9.37M	13.87M	4.68M	2.77M	13.96M
Salaries and Employee Benefits	32.24M	26.56M	23.91M	24.42M	22.53M
Occupancy Expenses	5.34M	7.57M	6.74M	5.06M	4.42M
Asset Writedown	—	—	—	—	-71.00K
Profitability & Returns
EBT Excluding Unusual Items	30.89M	23.59M	19.46M	13.85M	11.25M
Pretax Income	30.89M	23.59M	19.46M	13.85M	11.18M
Profit Margin	+26.0%	+22.5%	+20.4%	+14.0%	+10.9%
Net Income	30.10M	23.08M	19.09M	13.60M	10.89M
Net Income to Common	23.99M	17.42M	13.87M	8.39M	5.78M
Net Income Growth	+30.4%	+20.9%	+40.4%	+24.8%	+1,089,100.0%
Earnings From Continuing Ops.	30.46M	23.34M	19.26M	13.70M	11.08M
Minority Interest in Earnings	-353.00K	-262.00K	-168.00K	-107.00K	-185.00K
Income Tax Expense	431.00K	246.00K	201.00K	151.00K	105.00K
Effective Tax Rate	+1.4%	+1.0%	+1.0%	+1.1%	+0.9%
Per Share & Capital
EPS (Basic)	0.01	0.01	0.01	0.01	0.00
EPS (Diluted)	0.01	0.01	0.01	0.01	0.00
EPS Growth	+37.7%	+10.7%	+41.6%	+38.5%	—
Dividend Per Share	0.01	0.00	0.00	0.00	0.00
Shares Change (YoY)	—	0.13	0.17	0.05	0
Shares Outstanding (Basic)	1.74B	1.74B	1.53B	1.31B	1.25B
Shares Outstanding (Diluted)	1.74B	1.74B	1.53B	1.31B	1.25B
Dividend Growth	+65.2%	+4.5%	+29.4%	+3.0%	—
Free Cash Flow	-347.32M	-633.09M	288.66M	-202.36M	-432.48M
Free Cash Flow Margin	-376.9%	-816.9%	+424.7%	-338.6%	-818.6%
Free Cash Flow Per Share	-0.20	-0.36	0.19	-0.15	-0.35
Payout Ratio	+46.6%	+57.7%	+49.5%	+68.1%	+48.3%
Preferred Dividends & Other Adjustments	6.12M	5.66M	5.22M	5.20M	5.12M

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
Operating Summary
Revenue	92.16M	77.50M	67.97M	59.75M	52.83M
Interest Income	205.46M	185.46M	171.59M	113.79M	82.08M
Interest Expense	136.76M	117.48M	118.72M	70.14M	32.05M
Pretax Income	30.89M	23.59M	19.46M	13.85M	11.18M
Income Tax	431.00K	246.00K	201.00K	151.00K	105.00K
Net Income	23.99M	17.42M	13.87M	8.39M	5.78M
Net Interest Income	68.71M	67.98M	52.88M	43.65M	50.04M
Non-Interest Income	32.82M	23.39M	19.77M	18.87M	16.75M
Non-Interest Expense	61.27M	53.91M	48.51M	45.90M	41.58M
Loan Loss Provisions	9.37M	13.87M	4.68M	2.77M	13.96M
EPS (Basic)	0.01	0.01	0.01	0.01	0.00
EPS (Diluted)	0.01	0.01	0.01	0.01	0.00
DPS	0.01	0.00	0.00	0.00	0.00
Margins & Efficiency
Net Margin %	+26.0%	+22.5%	+20.4%	+14.0%	+10.9%
Revenue & Income
Revenue	92.16M	77.50M	67.97M	59.75M	52.83M
Revenue	92.16M	77.50M	67.97M	59.75M	52.83M
Revenue Growth (YoY)	+18.9%	+14.0%	+13.7%	+13.1%	+56.7%
Revenues Before Loan Losses	101.53M	91.37M	72.65M	62.52M	66.79M
Interest Income on Loans	205.46M	185.46M	171.59M	113.79M	82.08M
Net Interest Income	68.71M	67.98M	52.88M	43.65M	50.04M
Net Interest Income Growth (YoY)	+1.1%	+28.6%	+21.1%	-12.8%	+2.5%
Non-Interest Income Growth (YoY)	+40.3%	+18.3%	+4.8%	+12.6%	+45.5%
Total Non-Interest Income	32.82M	23.39M	19.77M	18.87M	16.75M
Other Non-Interest Income	28.60M	23.15M	17.38M	16.30M	15.35M
Gain (Loss) on Sale of Assets	1.92M	—	2.48M	2.64M	—
Gain (Loss) on Sale of Equity Investments	86.00K	14.00K	163.00K	79.00K	131.00K
Gain (Loss) on Sale of Investments	2.21M	0.23M	-0.24M	-0.16M	1.27M
Expenses & Provisions
Selling, General & Administrative	22.31M	18.90M	17.13M	15.87M	14.23M
Interest Paid on Deposits	136.76M	117.48M	118.72M	70.14M	32.05M
Total Non-Interest Expense	61.27M	53.91M	48.51M	45.90M	41.58M
Other Non-Interest Expense	1.09M	0.63M	0.55M	0.42M	0.29M
Provision for Loan Losses	9.37M	13.87M	4.68M	2.77M	13.96M
Salaries and Employee Benefits	32.24M	26.56M	23.91M	24.42M	22.53M
Occupancy Expenses	5.34M	7.57M	6.74M	5.06M	4.42M
Asset Writedown	—	—	—	—	-71.00K
Profitability & Returns
EBT Excluding Unusual Items	30.89M	23.59M	19.46M	13.85M	11.25M
Pretax Income	30.89M	23.59M	19.46M	13.85M	11.18M
Profit Margin	+26.0%	+22.5%	+20.4%	+14.0%	+10.9%
Net Income	30.10M	23.08M	19.09M	13.60M	10.89M
Net Income to Common	23.99M	17.42M	13.87M	8.39M	5.78M
Net Income Growth	+30.4%	+20.9%	+40.4%	+24.8%	+1,089,100.0%
Earnings From Continuing Ops.	30.46M	23.34M	19.26M	13.70M	11.08M
Minority Interest in Earnings	-353.00K	-262.00K	-168.00K	-107.00K	-185.00K
Income Tax Expense	431.00K	246.00K	201.00K	151.00K	105.00K
Effective Tax Rate	+1.4%	+1.0%	+1.0%	+1.1%	+0.9%
Per Share & Capital
EPS (Basic)	0.01	0.01	0.01	0.01	0.00
EPS (Diluted)	0.01	0.01	0.01	0.01	0.00
EPS Growth	+37.7%	+10.7%	+41.6%	+38.5%	—
Dividend Per Share	0.01	0.00	0.00	0.00	0.00
Shares Change (YoY)	—	0.13	0.17	0.05	0
Shares Outstanding (Basic)	1.74B	1.74B	1.53B	1.31B	1.25B
Shares Outstanding (Diluted)	1.74B	1.74B	1.53B	1.31B	1.25B
Dividend Growth	+65.2%	+4.5%	+29.4%	+3.0%	—
Free Cash Flow	-347.32M	-633.09M	288.66M	-202.36M	-432.48M
Free Cash Flow Margin	-376.9%	-816.9%	+424.7%	-338.6%	-818.6%
Free Cash Flow Per Share	-0.20	-0.36	0.19	-0.15	-0.35
Payout Ratio	+46.6%	+57.7%	+49.5%	+68.1%	+48.3%
Preferred Dividends & Other Adjustments	6.12M	5.66M	5.22M	5.20M	5.12M