Warba Bank

Warba Bank KSC

WARBABANKStocksBoursa KuwaitBanksMarket closed

KWD 0.28

Official close

+0.4%

Price as of June 28, 2026 · Market close

Prices may be delayed by up to 30 minutes.

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	17.96M	25.58M	31.26M	27.44M	16.19M
Interest Expense	45.09M	48.27M	51.81M	51.01M	47.03M
Pretax Income	6.35M	10.58M	19.52M	16.00M	5.78M
Income Tax	0.08M	-0.53M	1.74M	0.79M	0.26M
Net Income	6.28M	7.19M	17.78M	13.67M	5.51M
Net Interest Income	15.29M	16.31M	15.97M	15.16M	12.36M
Non-Interest Income	9.59M	11.09M	18.41M	15.56M	5.86M
Non-Interest Expense	11.61M	13.57M	11.74M	11.45M	10.41M
Loan Loss Provisions	6.92M	1.82M	3.12M	3.27M	2.04M
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 %	+34.9%	+28.1%	+56.9%	+49.8%	+34.1%
Revenue & Income
Revenue	17.96M	25.58M	31.26M	27.44M	16.19M
Revenue	17.96M	25.58M	31.26M	27.44M	16.19M
Revenue Growth (YoY)	+11.0%	+1.9%	+74.7%	+95.0%	+9.7%
Revenues Before Loan Losses	24.88M	27.40M	34.38M	30.71M	18.22M
Interest Income on Investments	60.38M	64.58M	67.78M	66.16M	59.39M
Total Interest Income	60.38M	64.58M	67.78M	66.16M	59.39M
Net Interest Income	15.29M	16.31M	15.97M	15.16M	12.36M
Net Interest Income Growth (YoY)	+23.7%	+11.7%	+13.0%	+18.4%	-6.7%
Non-Interest Income Growth (YoY)	+63.6%	-23.0%	+312.3%	+347.9%	+14.5%
Total Non-Interest Income	9.59M	11.09M	18.41M	15.56M	5.86M
Other Non-Interest Income	6.15M	10.21M	10.38M	4.99M	5.03M
Gain (Loss) on Sale of Assets	—	—	—	—	—
Gain (Loss) on Sale of Equity Investments	3.44M	1.46M	4.47M	—	0.34M
Gain (Loss) on Sale of Investments	-0.00M	-0.58M	3.56M	10.56M	0.49M
Expenses & Provisions
Selling, General & Administrative	2.06M	3.84M	2.50M	2.41M	1.97M
Interest Paid on Deposits	45.09M	48.27M	51.81M	51.01M	47.03M
Total Non-Interest Expense	11.61M	13.57M	11.74M	11.45M	10.41M
Other Non-Interest Expense	—	—	—	—	—
Provision for Loan Losses	6.92M	1.82M	3.12M	3.27M	2.04M
Salaries and Employee Benefits	8.12M	8.11M	7.60M	7.49M	6.86M
Occupancy Expenses	1.43M	1.62M	1.65M	1.55M	1.58M
Asset Writedown	—	-1.42M	0.00M	—	-0.00M
Profitability & Returns
EBT Excluding Unusual Items	6.35M	12.01M	19.52M	16.00M	5.78M
Pretax Income	6.35M	10.58M	19.52M	16.00M	5.78M
Profit Margin	+34.9%	+28.1%	+56.9%	+49.8%	+34.1%
Net Income	6.28M	11.12M	17.78M	15.21M	5.51M
Net Income to Common	6.28M	7.19M	17.78M	13.67M	5.51M
Net Income Growth	+13.8%	+48.0%	+222.0%	+228.3%	+16.4%
Income Tax Expense	0.08M	-0.53M	1.74M	0.79M	0.26M
Effective Tax Rate	+1.2%	—	+8.9%	+4.9%	+4.6%
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	-35.9%	-34.8%	+115.8%	+235.9%	+6.3%
Dividend Per Share	—	0.00	—	—	—
Shares Change (YoY)	0.77	0.85	0.49	0.31	0.1
Shares Outstanding (Basic)	4.72B	4.73B	3.82B	3.36B	2.66B
Shares Outstanding (Diluted)	4.72B	4.73B	3.82B	3.36B	2.66B
Free Cash Flow	209.55M	-135.59M	-165.48M	-294.46M	-202.35M
Free Cash Flow Margin	+1,166.8%	-530.1%	-529.4%	-1,073.0%	-1,250.3%
Free Cash Flow Per Share	0.04	-0.03	-0.04	-0.09	-0.08
Payout Ratio	—	+35.3%	—	+10.1%	—
Preferred Dividends & Other Adjustments	—	3.93M	—	1.54M	—

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	17.96M	25.58M	31.26M	27.44M	16.19M
Interest Expense	45.09M	48.27M	51.81M	51.01M	47.03M
Pretax Income	6.35M	10.58M	19.52M	16.00M	5.78M
Income Tax	0.08M	-0.53M	1.74M	0.79M	0.26M
Net Income	6.28M	7.19M	17.78M	13.67M	5.51M
Net Interest Income	15.29M	16.31M	15.97M	15.16M	12.36M
Non-Interest Income	9.59M	11.09M	18.41M	15.56M	5.86M
Non-Interest Expense	11.61M	13.57M	11.74M	11.45M	10.41M
Loan Loss Provisions	6.92M	1.82M	3.12M	3.27M	2.04M
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 %	+34.9%	+28.1%	+56.9%	+49.8%	+34.1%
Revenue & Income
Revenue	17.96M	25.58M	31.26M	27.44M	16.19M
Revenue	17.96M	25.58M	31.26M	27.44M	16.19M
Revenue Growth (YoY)	+11.0%	+1.9%	+74.7%	+95.0%	+9.7%
Revenues Before Loan Losses	24.88M	27.40M	34.38M	30.71M	18.22M
Interest Income on Investments	60.38M	64.58M	67.78M	66.16M	59.39M
Total Interest Income	60.38M	64.58M	67.78M	66.16M	59.39M
Net Interest Income	15.29M	16.31M	15.97M	15.16M	12.36M
Net Interest Income Growth (YoY)	+23.7%	+11.7%	+13.0%	+18.4%	-6.7%
Non-Interest Income Growth (YoY)	+63.6%	-23.0%	+312.3%	+347.9%	+14.5%
Total Non-Interest Income	9.59M	11.09M	18.41M	15.56M	5.86M
Other Non-Interest Income	6.15M	10.21M	10.38M	4.99M	5.03M
Gain (Loss) on Sale of Assets	—	—	—	—	—
Gain (Loss) on Sale of Equity Investments	3.44M	1.46M	4.47M	—	0.34M
Gain (Loss) on Sale of Investments	-0.00M	-0.58M	3.56M	10.56M	0.49M
Expenses & Provisions
Selling, General & Administrative	2.06M	3.84M	2.50M	2.41M	1.97M
Interest Paid on Deposits	45.09M	48.27M	51.81M	51.01M	47.03M
Total Non-Interest Expense	11.61M	13.57M	11.74M	11.45M	10.41M
Other Non-Interest Expense	—	—	—	—	—
Provision for Loan Losses	6.92M	1.82M	3.12M	3.27M	2.04M
Salaries and Employee Benefits	8.12M	8.11M	7.60M	7.49M	6.86M
Occupancy Expenses	1.43M	1.62M	1.65M	1.55M	1.58M
Asset Writedown	—	-1.42M	0.00M	—	-0.00M
Profitability & Returns
EBT Excluding Unusual Items	6.35M	12.01M	19.52M	16.00M	5.78M
Pretax Income	6.35M	10.58M	19.52M	16.00M	5.78M
Profit Margin	+34.9%	+28.1%	+56.9%	+49.8%	+34.1%
Net Income	6.28M	11.12M	17.78M	15.21M	5.51M
Net Income to Common	6.28M	7.19M	17.78M	13.67M	5.51M
Net Income Growth	+13.8%	+48.0%	+222.0%	+228.3%	+16.4%
Income Tax Expense	0.08M	-0.53M	1.74M	0.79M	0.26M
Effective Tax Rate	+1.2%	—	+8.9%	+4.9%	+4.6%
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	-35.9%	-34.8%	+115.8%	+235.9%	+6.3%
Dividend Per Share	—	0.00	—	—	—
Shares Change (YoY)	0.77	0.85	0.49	0.31	0.1
Shares Outstanding (Basic)	4.72B	4.73B	3.82B	3.36B	2.66B
Shares Outstanding (Diluted)	4.72B	4.73B	3.82B	3.36B	2.66B
Free Cash Flow	209.55M	-135.59M	-165.48M	-294.46M	-202.35M
Free Cash Flow Margin	+1,166.8%	-530.1%	-529.4%	-1,073.0%	-1,250.3%
Free Cash Flow Per Share	0.04	-0.03	-0.04	-0.09	-0.08
Payout Ratio	—	+35.3%	—	+10.1%	—
Preferred Dividends & Other Adjustments	—	3.93M	—	1.54M	—