National Bank Of Kuwait

National Bank of Kuwait K.S.C.

NBKStocksBoursa 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	2.90B	3.47B	2.86B	4.20B	3.94B
Total Assets	45.61B	40.34B	37.66B	36.34B	33.26B
Investment Securities	11.76B	9.15B	8.99B	7.92B	6.78B
Trading Assets	582.37M	690.64M	580.38M	654.47M	292.31M
Gross Loans	27.72B	24.57B	23.14B	21.83B	20.36B
Net Loans	26.82B	23.71B	22.28B	21.00B	19.72B
Allowance for Loan Losses	-902.06M	-864.34M	-862.85M	-827.94M	-633.52M
Liabilities
Total Deposits	29.72B	25.82B	26.50B	25.72B	22.76B
Interest-Bearing Deposits	29.72B	25.82B	26.50B	25.72B	22.76B
Total Debt	9.32B	8.52B	5.39B	5.33B	5.53B
Total Liabilities	39.96B	35.18B	32.76B	31.70B	28.79B
Equity & Ownership
Total Equity	5.65B	5.16B	4.91B	4.63B	4.47B
Shares Outstanding	9,179,903,298	9,179,903,298	9,179,903,298	9,179,903,298	9,179,903,298
Cash & Assets
Total Assets	45.61B	40.34B	37.66B	36.34B	33.26B
Cash & Equivalents	2.90B	3.47B	2.86B	4.20B	3.94B
Net Cash (Debt)	-3.73B	-2.97B	-0.63B	1.02B	-0.41B
Net Cash Per Share	-0.41	-0.32	-0.07	0.11	-0.04
Other Receivables	94.44M	75.56M	51.08M	197.62M	179.33M
Restricted Cash	1.98B	1.85B	1.53B	1.12B	1.14B
Property, Plant & Equipment	543.69M	517.39M	506.81M	474.72M	456.21M
Goodwill	339.16M	341.14M	337.18M	362.05M	406.73M
Other Intangible Assets	167.94M	169.59M	171.24M	172.88M	174.53M
Investments in Real Estate	92.68M	68.37M	73.52M	33.62M	21.71M
Other Long-Term Assets	69.54M	73.34M	81.00M	43.80M	41.10M
Long-Term Leases	37.90M	37.96M	32.97M	25.73M	25.43M
Loans & Investments
Gross Loans	27.72B	24.57B	23.14B	21.83B	20.36B
Net Loans	26.82B	23.71B	22.28B	21.00B	19.72B
Allowance for Loan Losses	-902.06M	-864.34M	-862.85M	-827.94M	-633.52M
Investment Securities	11.76B	9.15B	8.99B	7.92B	6.78B
Trading Asset Securities	582.37M	690.64M	580.38M	654.47M	292.31M
Total Investments	12.35B	9.84B	9.57B	8.58B	7.08B
Liabilities & Obligations
Total Liabilities	39.96B	35.18B	32.76B	31.70B	28.79B
Total Liabilities & Equity	45.61B	40.34B	37.66B	36.34B	33.26B
Accrued Expenses	92.18M	78.30M	82.22M	67.31M	62.54M
Accrued Interest Payable	301.04M	271.82M	317.43M	150.41M	70.98M
Accrued Interest Receivable	265.40M	223.79M	203.76M	147.90M	84.73M
Current Income Taxes Payable	88.53M	51.85M	56.44M	41.44M	27.88M
Long-Term Unearned Revenue	67.94M	59.09M	56.36M	48.74M	36.40M
Other Current Liabilities	6.99M	—	—	—	—
Other Long-Term Liabilities	299.60M	324.36M	304.70M	292.71M	251.59M
Pension & Post-Retirement Benefits	69.66M	60.43M	53.26M	54.21M	56.82M
Debt & Funding
Total Debt	9.32B	8.52B	5.39B	5.33B	5.53B
Current Portion of Long-Term Debt	5.57B	5.62B	4.11B	4.12B	4.33B
Long-Term Debt	1.47B	1.31B	1.19B	1.14B	1.03B
Short-Term Borrowings	2.25B	1.56B	0.06B	0.04B	0.14B
Total Deposits	29.72B	25.82B	26.50B	25.72B	22.76B
Interest Bearing Deposits	29.72B	25.82B	26.50B	25.72B	22.76B
Equity & Book Value
Shareholders' Equity	5.65B	5.16B	4.91B	4.63B	4.47B
Total Common Equity	5.02B	4.55B	4.32B	4.06B	3.98B
Common Stock	874.28M	832.64M	793.00M	755.23M	719.27M
Additional Paid-In Capital	837.99M	837.99M	837.99M	837.99M	837.99M
Retained Earnings	3.03B	2.72B	2.46B	2.23B	2.08B
Comprehensive Income & Other	280.43M	163.43M	229.32M	234.57M	343.59M
Minority Interest	625.38M	605.37M	583.77M	572.93M	488.52M
Book Value Per Share	0.50	0.45	0.42	0.39	0.39
Tangible Book Value	4.52B	4.04B	3.81B	3.53B	3.40B
Tangible Book Value Per Share	0.44	0.39	0.37	0.34	0.32
Filing Date Shares Outstanding	9.18B	9.18B	9.18B	9.18B	9.18B
Total Common Shares Outstanding	9.18B	9.18B	9.18B	9.18B	9.18B
Supplemental
Other Real Estate Owned & Foreclosed	—	—	7.58M	7.65M	12.25M

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	2.90B	3.47B	2.86B	4.20B	3.94B
Total Assets	45.61B	40.34B	37.66B	36.34B	33.26B
Investment Securities	11.76B	9.15B	8.99B	7.92B	6.78B
Trading Assets	582.37M	690.64M	580.38M	654.47M	292.31M
Gross Loans	27.72B	24.57B	23.14B	21.83B	20.36B
Net Loans	26.82B	23.71B	22.28B	21.00B	19.72B
Allowance for Loan Losses	-902.06M	-864.34M	-862.85M	-827.94M	-633.52M
Liabilities
Total Deposits	29.72B	25.82B	26.50B	25.72B	22.76B
Interest-Bearing Deposits	29.72B	25.82B	26.50B	25.72B	22.76B
Total Debt	9.32B	8.52B	5.39B	5.33B	5.53B
Total Liabilities	39.96B	35.18B	32.76B	31.70B	28.79B
Equity & Ownership
Total Equity	5.65B	5.16B	4.91B	4.63B	4.47B
Shares Outstanding	9,179,903,298	9,179,903,298	9,179,903,298	9,179,903,298	9,179,903,298
Cash & Assets
Total Assets	45.61B	40.34B	37.66B	36.34B	33.26B
Cash & Equivalents	2.90B	3.47B	2.86B	4.20B	3.94B
Net Cash (Debt)	-3.73B	-2.97B	-0.63B	1.02B	-0.41B
Net Cash Per Share	-0.41	-0.32	-0.07	0.11	-0.04
Other Receivables	94.44M	75.56M	51.08M	197.62M	179.33M
Restricted Cash	1.98B	1.85B	1.53B	1.12B	1.14B
Property, Plant & Equipment	543.69M	517.39M	506.81M	474.72M	456.21M
Goodwill	339.16M	341.14M	337.18M	362.05M	406.73M
Other Intangible Assets	167.94M	169.59M	171.24M	172.88M	174.53M
Investments in Real Estate	92.68M	68.37M	73.52M	33.62M	21.71M
Other Long-Term Assets	69.54M	73.34M	81.00M	43.80M	41.10M
Long-Term Leases	37.90M	37.96M	32.97M	25.73M	25.43M
Loans & Investments
Gross Loans	27.72B	24.57B	23.14B	21.83B	20.36B
Net Loans	26.82B	23.71B	22.28B	21.00B	19.72B
Allowance for Loan Losses	-902.06M	-864.34M	-862.85M	-827.94M	-633.52M
Investment Securities	11.76B	9.15B	8.99B	7.92B	6.78B
Trading Asset Securities	582.37M	690.64M	580.38M	654.47M	292.31M
Total Investments	12.35B	9.84B	9.57B	8.58B	7.08B
Liabilities & Obligations
Total Liabilities	39.96B	35.18B	32.76B	31.70B	28.79B
Total Liabilities & Equity	45.61B	40.34B	37.66B	36.34B	33.26B
Accrued Expenses	92.18M	78.30M	82.22M	67.31M	62.54M
Accrued Interest Payable	301.04M	271.82M	317.43M	150.41M	70.98M
Accrued Interest Receivable	265.40M	223.79M	203.76M	147.90M	84.73M
Current Income Taxes Payable	88.53M	51.85M	56.44M	41.44M	27.88M
Long-Term Unearned Revenue	67.94M	59.09M	56.36M	48.74M	36.40M
Other Current Liabilities	6.99M	—	—	—	—
Other Long-Term Liabilities	299.60M	324.36M	304.70M	292.71M	251.59M
Pension & Post-Retirement Benefits	69.66M	60.43M	53.26M	54.21M	56.82M
Debt & Funding
Total Debt	9.32B	8.52B	5.39B	5.33B	5.53B
Current Portion of Long-Term Debt	5.57B	5.62B	4.11B	4.12B	4.33B
Long-Term Debt	1.47B	1.31B	1.19B	1.14B	1.03B
Short-Term Borrowings	2.25B	1.56B	0.06B	0.04B	0.14B
Total Deposits	29.72B	25.82B	26.50B	25.72B	22.76B
Interest Bearing Deposits	29.72B	25.82B	26.50B	25.72B	22.76B
Equity & Book Value
Shareholders' Equity	5.65B	5.16B	4.91B	4.63B	4.47B
Total Common Equity	5.02B	4.55B	4.32B	4.06B	3.98B
Common Stock	874.28M	832.64M	793.00M	755.23M	719.27M
Additional Paid-In Capital	837.99M	837.99M	837.99M	837.99M	837.99M
Retained Earnings	3.03B	2.72B	2.46B	2.23B	2.08B
Comprehensive Income & Other	280.43M	163.43M	229.32M	234.57M	343.59M
Minority Interest	625.38M	605.37M	583.77M	572.93M	488.52M
Book Value Per Share	0.50	0.45	0.42	0.39	0.39
Tangible Book Value	4.52B	4.04B	3.81B	3.53B	3.40B
Tangible Book Value Per Share	0.44	0.39	0.37	0.34	0.32
Filing Date Shares Outstanding	9.18B	9.18B	9.18B	9.18B	9.18B
Total Common Shares Outstanding	9.18B	9.18B	9.18B	9.18B	9.18B
Supplemental
Other Real Estate Owned & Foreclosed	—	—	7.58M	7.65M	12.25M