Kuwait International Bank

Kuwait International Bank KSC

KIBStocksBoursa KuwaitBanks

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

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	23.59M	27.41M	21.32M	22.72M	20.70M
Interest Income	52.80M	56.12M	53.97M	49.37M	46.00M
Interest Expense	36.41M	37.24M	36.65M	33.22M	29.65M
Pretax Income	8.22M	10.01M	5.74M	7.69M	7.45M
Income Tax	170.00K	209.00K	62.00K	82.00K	78.00K
Net Income	8.02M	6.63M	5.58M	4.48M	7.30M
Net Interest Income	16.38M	18.88M	17.32M	16.15M	16.35M
Non-Interest Income	8.10M	10.95M	8.09M	8.52M	5.27M
Non-Interest Expense	15.37M	17.40M	15.58M	15.04M	13.25M
Loan Loss Provisions	0.89M	2.41M	4.09M	1.95M	0.91M
EPS (Basic)	0.00	0.00	0.00	0.00	0.00
EPS (Diluted)	0.00	0.00	0.00	0.00	0.00
Margins & Efficiency
Net Margin %	+34.0%	+24.2%	+26.2%	+19.7%	+35.2%
Revenue & Income
Revenue	23.59M	27.41M	21.32M	22.72M	20.70M
Revenue	23.59M	27.41M	21.32M	22.72M	20.70M
Revenue Growth (YoY)	+13.9%	+19.3%	+20.4%	+20.0%	+15.7%
Revenues Before Loan Losses	24.48M	29.83M	25.41M	24.67M	21.61M
Interest Income on Loans	52.80M	56.12M	53.97M	49.37M	46.00M
Net Interest Income	16.38M	18.88M	17.32M	16.15M	16.35M
Net Interest Income Growth (YoY)	+0.2%	-6.3%	+2.9%	+2.0%	+7.8%
Non-Interest Income Growth (YoY)	+53.7%	+72.9%	+31.8%	+70.9%	-11.3%
Total Non-Interest Income	8.10M	10.95M	8.09M	8.52M	5.27M
Other Non-Interest Income	8.10M	6.73M	8.09M	8.52M	5.27M
Gain (Loss) on Sale of Assets	—	1.92M	—	—	—
Gain (Loss) on Sale of Equity Investments	—	86.00K	—	—	—
Gain (Loss) on Sale of Investments	—	2.21M	—	—	—
Expenses & Provisions
Selling, General & Administrative	4.76M	6.71M	6.11M	5.44M	4.05M
Interest Paid on Deposits	36.41M	37.24M	36.65M	33.22M	29.65M
Total Non-Interest Expense	15.37M	17.40M	15.58M	15.04M	13.25M
Other Non-Interest Expense	217.00K	531.00K	154.00K	206.00K	198.00K
Provision for Loan Losses	0.89M	2.41M	4.09M	1.95M	0.91M
Salaries and Employee Benefits	8.85M	8.60M	7.95M	7.98M	7.71M
Occupancy Expenses	1.45M	1.47M	1.32M	1.34M	1.22M
Asset Writedown	—	—	—	—	—
Profitability & Returns
EBT Excluding Unusual Items	8.22M	10.01M	5.74M	7.69M	7.45M
Pretax Income	8.22M	10.01M	5.74M	7.69M	7.45M
Profit Margin	+34.0%	+24.2%	+26.2%	+19.7%	+35.2%
Net Income	8.02M	9.69M	5.58M	7.54M	7.30M
Net Income to Common	8.02M	6.63M	5.58M	4.48M	7.30M
Net Income Growth	+9.9%	+40.9%	+34.0%	+25.5%	+20.9%
Earnings From Continuing Ops.	8.05M	9.80M	5.68M	7.61M	7.37M
Minority Interest in Earnings	-32.00K	-112.00K	-98.00K	-64.00K	-79.00K
Income Tax Expense	170.00K	209.00K	62.00K	82.00K	78.00K
Effective Tax Rate	+2.1%	+2.1%	+1.1%	+1.1%	+1.0%
Per Share & Capital
EPS (Basic)	0.00	0.00	0.00	0.00	0.00
EPS (Diluted)	0.00	0.00	0.00	0.00	0.00
EPS Growth	+9.9%	+74.0%	+34.0%	+31.5%	+20.9%
Dividend Per Share	—	0.01	—	—	—
Shares Change (YoY)	—	—	—	—	0
Shares Outstanding (Basic)	1.74B	1.74B	1.74B	1.74B	1.74B
Shares Outstanding (Diluted)	1.74B	1.74B	1.74B	1.74B	1.74B
Dividend Growth	—	+65.2%	—	—	—
Free Cash Flow	-163.42M	-80.92M	-225.44M	-5.51M	-35.45M
Free Cash Flow Margin	-692.9%	-295.2%	-1,057.4%	-24.2%	-171.3%
Free Cash Flow Per Share	-0.09	-0.05	-0.13	-0.00	-0.02
Payout Ratio	0.0%	+31.7%	+2.2%	+143.5%	+0.3%
Preferred Dividends & Other Adjustments	—	3.06M	—	3.06M	—

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

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	23.59M	27.41M	21.32M	22.72M	20.70M
Interest Income	52.80M	56.12M	53.97M	49.37M	46.00M
Interest Expense	36.41M	37.24M	36.65M	33.22M	29.65M
Pretax Income	8.22M	10.01M	5.74M	7.69M	7.45M
Income Tax	170.00K	209.00K	62.00K	82.00K	78.00K
Net Income	8.02M	6.63M	5.58M	4.48M	7.30M
Net Interest Income	16.38M	18.88M	17.32M	16.15M	16.35M
Non-Interest Income	8.10M	10.95M	8.09M	8.52M	5.27M
Non-Interest Expense	15.37M	17.40M	15.58M	15.04M	13.25M
Loan Loss Provisions	0.89M	2.41M	4.09M	1.95M	0.91M
EPS (Basic)	0.00	0.00	0.00	0.00	0.00
EPS (Diluted)	0.00	0.00	0.00	0.00	0.00
Margins & Efficiency
Net Margin %	+34.0%	+24.2%	+26.2%	+19.7%	+35.2%
Revenue & Income
Revenue	23.59M	27.41M	21.32M	22.72M	20.70M
Revenue	23.59M	27.41M	21.32M	22.72M	20.70M
Revenue Growth (YoY)	+13.9%	+19.3%	+20.4%	+20.0%	+15.7%
Revenues Before Loan Losses	24.48M	29.83M	25.41M	24.67M	21.61M
Interest Income on Loans	52.80M	56.12M	53.97M	49.37M	46.00M
Net Interest Income	16.38M	18.88M	17.32M	16.15M	16.35M
Net Interest Income Growth (YoY)	+0.2%	-6.3%	+2.9%	+2.0%	+7.8%
Non-Interest Income Growth (YoY)	+53.7%	+72.9%	+31.8%	+70.9%	-11.3%
Total Non-Interest Income	8.10M	10.95M	8.09M	8.52M	5.27M
Other Non-Interest Income	8.10M	6.73M	8.09M	8.52M	5.27M
Gain (Loss) on Sale of Assets	—	1.92M	—	—	—
Gain (Loss) on Sale of Equity Investments	—	86.00K	—	—	—
Gain (Loss) on Sale of Investments	—	2.21M	—	—	—
Expenses & Provisions
Selling, General & Administrative	4.76M	6.71M	6.11M	5.44M	4.05M
Interest Paid on Deposits	36.41M	37.24M	36.65M	33.22M	29.65M
Total Non-Interest Expense	15.37M	17.40M	15.58M	15.04M	13.25M
Other Non-Interest Expense	217.00K	531.00K	154.00K	206.00K	198.00K
Provision for Loan Losses	0.89M	2.41M	4.09M	1.95M	0.91M
Salaries and Employee Benefits	8.85M	8.60M	7.95M	7.98M	7.71M
Occupancy Expenses	1.45M	1.47M	1.32M	1.34M	1.22M
Asset Writedown	—	—	—	—	—
Profitability & Returns
EBT Excluding Unusual Items	8.22M	10.01M	5.74M	7.69M	7.45M
Pretax Income	8.22M	10.01M	5.74M	7.69M	7.45M
Profit Margin	+34.0%	+24.2%	+26.2%	+19.7%	+35.2%
Net Income	8.02M	9.69M	5.58M	7.54M	7.30M
Net Income to Common	8.02M	6.63M	5.58M	4.48M	7.30M
Net Income Growth	+9.9%	+40.9%	+34.0%	+25.5%	+20.9%
Earnings From Continuing Ops.	8.05M	9.80M	5.68M	7.61M	7.37M
Minority Interest in Earnings	-32.00K	-112.00K	-98.00K	-64.00K	-79.00K
Income Tax Expense	170.00K	209.00K	62.00K	82.00K	78.00K
Effective Tax Rate	+2.1%	+2.1%	+1.1%	+1.1%	+1.0%
Per Share & Capital
EPS (Basic)	0.00	0.00	0.00	0.00	0.00
EPS (Diluted)	0.00	0.00	0.00	0.00	0.00
EPS Growth	+9.9%	+74.0%	+34.0%	+31.5%	+20.9%
Dividend Per Share	—	0.01	—	—	—
Shares Change (YoY)	—	—	—	—	0
Shares Outstanding (Basic)	1.74B	1.74B	1.74B	1.74B	1.74B
Shares Outstanding (Diluted)	1.74B	1.74B	1.74B	1.74B	1.74B
Dividend Growth	—	+65.2%	—	—	—
Free Cash Flow	-163.42M	-80.92M	-225.44M	-5.51M	-35.45M
Free Cash Flow Margin	-692.9%	-295.2%	-1,057.4%	-24.2%	-171.3%
Free Cash Flow Per Share	-0.09	-0.05	-0.13	-0.00	-0.02
Payout Ratio	0.0%	+31.7%	+2.2%	+143.5%	+0.3%
Preferred Dividends & Other Adjustments	—	3.06M	—	3.06M	—