Income Statement Kuwait International Bank K.S.C.P.

Stocks

KIB

KW0EQ0100069

Banks

End-of-day quote Kuwait S.E. Other stock markets 11/06/2026			5-day change	1st Jan Change
0.2560 ^KWD	-0.78%		-2.29%	-1.92%

04-26	Kuwait International Bank qtrly profit 8 million dinars	RE
04-25	Kuwait International Bank K.S.C.P. Reports Earnings Results for the First Quarter Ended March 31, 2026	CI

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Published financial data: KUWAIT INTERNATIONAL BANK K.S.C.P.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	82.08M	113M	172M	185M	205M
Interest Income, Total	82.08M	113M	172M	185M	205M
Interest On Deposits	32.05M	70.14M	119M	117M	137M
Interest Expense, Total	32.05M	70.14M	119M	117M	137M
Net Interest Income	50.04M	43.25M	52.88M	67.98M	68.7M
Gain (Loss) on Sale of Assets	-	2.64M	2.48M	-	1.92M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	1.27M	-156K	-244K	225K	2.21M
Income (Loss) on Equity Invest. (Income Block)	131K	79K	163K	14K	86K
Total Other Non Interest Income	15.35M	16.7M	17.38M	23.15M	28.6M
Non Interest Income, Total	16.75M	19.27M	19.77M	23.39M	32.82M
Revenues Before Provison For Loan Losses	66.79M	62.52M	72.65M	91.37M	102M
Provision For Loan Losses	13.96M	2.77M	4.68M	13.87M	9.37M
Total Revenues	52.83M	59.75M	67.97M	77.5M	92.16M
Salaries And Other Employee Benefits	22.53M	24.42M	23.91M	26.56M	32.24M
Occupancy Expense	4.42M	5.06M	6.74M	7.57M	5.34M
Selling General & Admin Expenses, Total	14.23M	15.87M	17.13M	18.9M	22.31M
Total Other Non Interest Expense	289K	420K	546K	627K	1.09M
Non Operating (Income) Expenses	103K	132K	183K	256K	290K
Non Interest Expense, Total	41.58M	45.9M	48.51M	53.91M	61.27M
EBT, Excl. Unusual Items	11.25M	13.85M	19.46M	23.59M	30.89M
Asset Writedown	-71K	-	-	-	-
Insurance Settlements	-	-	-	-	-
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	11.18M	13.85M	19.46M	23.59M	30.89M
Income Tax Expense	105K	151K	201K	246K	431K
Earnings From Continuing Operations	11.08M	13.7M	19.26M	23.34M	30.46M
Net Income to Company	11.08M	13.7M	19.26M	23.34M	30.46M
Minority Interest	-185K	-107K	-168K	-262K	-353K
Net Income - (IS)	10.89M	13.6M	19.09M	23.08M	30.1M
Preferred Dividend and Other Adjustments	5.12M	5.2M	5.22M	5.66M	6.12M
Net Income to Common Incl Extra Items	5.78M	8.39M	13.87M	17.42M	23.99M
Net Income to Common Excl. Extra Items	5.78M	8.39M	13.87M	17.42M	23.99M
Per Share Items
Net EPS - Basic	0	0.01	0.01	0.01	0.01
Basic EPS - Continuing Operations	0	0.01	0.01	0.01	0.01
Basic Weighted Average Shares Outstanding	1.25B	1.25B	1.53B	1.74B	1.74B
Net EPS - Diluted	0	0.01	0.01	0.01	0.01
Diluted EPS - Continuing Operations	0	0.01	0.01	0.01	0.01
Diluted Weighted Average Shares Outstanding	1.25B	1.25B	1.53B	1.74B	1.74B
Normalized Basic EPS	0.01	0.01	0.01	0.01	0.01
Normalized Diluted EPS	0.01	0.01	0.01	0.01	0.01
Dividend Per Share	0	0	0	0	0.01
Payout Ratio	48.27	68.08	49.49	57.72	46.64
Supplemental Items
Effective Tax Rate - (Ratio)	0.94	1.09	1.03	1.04	1.4
Normalized Net Income	6.85M	8.55M	11.99M	14.48M	18.95M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	233M	217M	257M	82.87M	186M
Investment Securities, Total	442M	495M	546M	625M	806M
Trading Asset Securities, Total	1.73M	2.77M	2.84M	3.09M	3.97M
Total investments	444M	498M	548M	628M	809M
Gross Loans	2.33B	2.69B	2.55B	2.92B	3.4B
Allowance For Loan Losses	-61.88M	-76.76M	-66.48M	-69.39M	-81.45M
Other Adjustments to Gross Loans	-	-	-	-	-
Net Loans	2.27B	2.62B	2.49B	2.85B	3.32B
Net Property Plant And Equipment	40.56M	43.56M	47.02M	47.92M	52.79M
Investment in Real Estate	53.54M	42.71M	63.28M	78.58M	75.53M
Accrued Interest Receivable	2.29M	2.54M	3.5M	5.68M	6.37M
Other Receivables	6.01M	11.19M	32.3M	31.76M	48.12M
Restricted Cash	67.03M	126M	147M	167M	100M
Other Current Assets, Total	3.48M	4.17M	1.66M	2.02M	1.95M
Other Long-Term Assets, Total	14.96M	19.73M	28.51M	33.03M	39.32M
Total Assets	3.14B	3.58B	3.62B	3.92B	4.64B
Liabilities
Accrued Expenses, Total	8.88M	8.52M	9.74M	8.44M	8.15M
Interest Bearing Deposits	2.06B	2.34B	2.12B	2.75B	3.22B
Non-Interest Bearing Deposits	31.12M	25.13M	29.06M	-	-
Total Deposits	2.09B	2.36B	2.15B	2.75B	3.22B
Current Portion of Long-Term Debt	531M	570M	728M	86.5M	236M
Long-Term Debt	90.4M	223M	223M	549M	607M
Long-Term Leases	2.27M	2.99M	3.6M	4.24M	3.7M
Current Income Taxes Payable	497K	1.03M	183K	256K	290K
Accrued Interest Payable	7.43M	15.55M	15.5M	14.36M	17.02M
Other Current Liabilities - (Bank / Utility Template)	1.38M	1.41M	1.42M	1.42M	1.38M
Pension & Other Post Retirement Benefits	12.41M	14.9M	15.01M	14.72M	17.73M
Other Non Current Liabilities	30.62M	30.82M	43.02M	45.78M	50.39M
Total Liabilities	2.78B	3.23B	3.19B	3.48B	4.16B
Common Stock, Total	113M	118M	165M	170M	179M
Additional Paid In Capital	54.33M	54.32M	71.43M	71.43M	71.43M
Retained Earnings	110M	111M	116M	121M	139M
Treasury Stock	-45.23M	-45.21M	-45.16M	-45.16M	-45.16M
Comprehensive Income and Other	122M	107M	116M	122M	131M
Total Common Equity	354M	345M	424M	440M	475M
Minority Interest	3.66M	3.55M	3.55M	3.66M	3.87M
Total Equity	358M	349M	428M	444M	479M
Total Liabilities And Equity	3.14B	3.58B	3.62B	3.92B	4.64B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.25B	1.25B	1.74B	1.74B	1.74B
ECS Total Common Shares Outstanding	1.25B	1.25B	1.74B	1.74B	1.74B
Book Value / Share	0.21	0.2	0.19	0.2	0.22
Tangible Book Value	354M	345M	424M	440M	475M
Tangible Book Value Per Share	0.21	0.2	0.19	0.2	0.22
Total Debt	623M	796M	954M	640M	847M
Deposits at Interest - Cash	291M	333M	389M	230M	141M
Net Debt	242M	389M	510M	440M	439M
Equity Method Investments, Total	1.67M	1.75M	1.84M	1.85M	22.17M
Full Time Employees	655	740	743	764	833
Number Of Offices	16	16	17	19	19

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	10.89M	13.6M	19.09M	23.08M	30.1M
Depreciation, Depletion & Amortization	4.42M	5.06M	6.74M	7.57M	5.34M
Total Depreciation, Depletion & Amortization	4.42M	5.06M	6.74M	7.57M	5.34M
(Gain) Loss On Sale of Asset - (CF)	-	-2.64M	-2.48M	-	-1.92M
(Gain) Loss on Sale of Investments - (CF)	-1.37M	156K	244K	-225K	-2.21M
Total Asset Writedown	71K	-	-	-	-
Provision for Credit Losses	9.22M	16.98M	16.13M	15.76M	10.18M
(Income) Loss On Equity Investments - (CF)	-131K	-79K	-163K	-14K	-86K
Change in Other Net Operating Assets (Collected)	-448M	-212M	273M	-666M	-376M
Other Operating Activities	1.57M	-17.78M	-16.02M	-6.48M	-6.12M
Cash from Operations	-423M	-196M	297M	-626M	-340M
Capital Expenditure	-9.22M	-6.12M	-8.36M	-6.8M	-6.88M
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-14.81M	-2.44M	-8.15M
Investment in Marketable and Equity Securities, Total	-110M	-26.82M	-45.28M	-144M	-59.01M
Other Investing Activities, Total	2.43M	2.62M	3.52M	2.95M	3.33M
Cash from Investing	-117M	-30.31M	-64.93M	-151M	-70.71M
Issuance of Common Stock	-	12K	60.03M	92.4M	91.58M
Repurchase of Common Stock	-	-	-	-91.96M	-91.77M
Common Dividends Paid	-5.26M	-9.26M	-9.45M	-13.32M	-14.04M
Common & Preferred Stock Dividends Paid	-5.26M	-9.26M	-9.45M	-13.32M	-14.04M
Net Increase (Decrease) in Deposit Accounts - (CF)	417M	277M	-220M	636M	464M
Other Financing Activities, Total	-132K	-185K	-413K	-752K	-699K
Cash from Financing	411M	268M	-170M	622M	449M
Foreign Exchange Rate Adjustments	-225K	1.14M	135K	-30K	-810K
Net Change in Cash	-129M	42.42M	62.37M	-155M	36.72M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.37	0.41	0.54	0.62	0.71
Return On Equity %	3.12	3.88	4.96	5.35	6.6
Return on Common Equity	1.64	2.4	3.61	4.03	5.24
Shareholders Value Added	-31.28M	-28.36M	-27.07M	-28.8M	-24.83M
Margin Analysis
SG&A Margin	77.96	75.89	70.3	68.43	64.99
Net Interest Income / Total Revenues %	94.72	72.38	77.79	87.72	74.55
EBT Excl. Non-Recurring Items Margin %	21.3	23.18	28.63	30.43	33.52
Income From Continuing Operations Margin %	20.97	22.93	28.33	30.12	33.05
Net Income Margin %	20.62	22.75	28.09	29.78	32.66
Net Avail. For Common Margin %	10.93	14.05	20.41	22.48	26.03
Normalized Net Income Margin	12.96	14.31	17.65	18.68	20.56
Asset quality
Nonperforming Loans / Total Loans %	2.37	2.29	1.86	2.23	1.38
Nonperforming Loans / Total Assets %	1.76	1.72	1.31	1.65	1.01
Nonperforming Assets / Total Assets %	1.76	1.72	1.31	1.65	1.01
NPAs / Loans and OREO	2.37	2.29	1.86	2.23	1.38
NPAs / Equity	15.44	17.66	11.1	14.62	9.78
Allowance for Credit Losses / Net Charge-offs %	4.77K	4.17K	251.65	553.14	-3.86K
Allowance for Credit Losses / Nonperforming Loans %	112.03	124.68	139.94	106.93	173.79
Allowance for Credit Losses / Total Loans %	2.65	2.85	2.6	2.38	2.4
Provision for Loan Losses / Net Charge-offs %	1.08K	150.38	17.7	110.6	-443.7
Capital And Funding
Total Average Common Equity / Total Average Assets %	11.84	10.41	10.69	11.47	10.69
Total Average Equity / Total Average Assets %	11.96	10.52	10.79	11.57	10.78
Total Equity + Allowance for Loan Losses / Total Loans %	17.83	15.66	19.23	17.48	16.37
Gross Loans / Total Deposits %	111.45	113.95	118.82	105.83	105.67
Net Loans / Total Deposits %	108.49	110.7	115.73	103.32	103.14
Tier 1 Capital Ratio %	14.22	12.08	15.2	14.16	17.44
Total Capital Ratio %	19.21	16.6	19.78	18.38	22.08
Tier 2 Capital Ratio	5	4.52	4.58	4.22	4.64
Coverage Ratio	112.03	124.68	139.94	106.93	173.79
Interbank Ratio	39.86	28.62	27.21	17.54	26.99
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.35	1.2	1.16	1.2	1.23
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	2.48	-13.56	21.14	28.56	1.07
Non Interest Income, 1 Yr. Growth %	45.47	15.02	4.76	18.32	40.31
Provision For Loan Losses, 1 Yr. Growth %	-47.59	-80.18	69.03	196.64	-32.46
Total Revenues, 1 Yr. Growth %	56.75	13.11	13.75	14.02	18.91
Earnings From Cont. Operations, 1 Yr. Growth %	8.91K	23.7	40.55	21.2	30.48
Net Income, 1 Yr. Growth %	1.09M	24.82	40.42	20.89	30.44
Normalized Net Income, 1 Yr. Growth %	-417.12	24.87	40.26	20.72	30.88
Diluted EPS Before Extra, 1 Yr. Growth %	-211.35	45.35	41.64	10.69	37.71
Dividend Per Share, 1 Yr. Growth %	-	3.03	29.41	2.27	65.22
Gross Loans, 1 Yr. Growth %	14.45	15.49	-5.25	14.22	16.65
Allowance For Loan Losses, 1 Yr. Growth %	16.92	24.04	-13.39	4.36	17.39
Net Loans, 1 Yr. Growth %	14.38	15.26	-5.01	14.48	16.64
Non Performing Loans, 1 Yr. Growth %	2.05	11.45	-22.83	36.58	-27.77
Non Performing Assets, 1 Yr. Growth %	2.05	11.45	-22.83	36.58	-27.77
Total Assets, 1 Yr. Growth %	11.9	14.22	0.96	8.52	18.26
Total Deposits, 1 Yr Growth %	25.53	12.96	-9.14	30	16.83
Tangible Book Value, 1 Yr. Growth %	1.53	-2.52	22.93	3.78	7.92
Common Equity, 1 Yr. Growth %	1.53	-2.52	22.93	3.78	7.92
Total Equity, 1 Yr. Growth %	1.53	-2.52	22.69	3.78	7.9
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-2.54	-5.88	2.8	24.79	13.99
Non Interest Income, 2 Yr. CAGR %	2.88	29.35	8.63	11.34	28.85
Provision For Loan Losses, 2 Yr. CAGR %	16.06	-67.77	-42.12	123.92	41.55
Total Revenues, 2 Yr. CAGR %	-4.68	33.15	13.43	13.88	16.44
Earnings From Cont. Operations, 2 Yr. CAGR %	-20.03	955.45	31.85	30.51	25.75
Net Income, 2 Yr. CAGR %	-20.3	11.56K	32.39	30.29	25.57
Normalized Net Income, 2 Yr. CAGR %	-20.24	98.99	32.34	30.13	25.7
Diluted EPS Before Extra, 2 Yr. CAGR %	-37.05	27.22	40.08	25.21	23.46
Dividend Per Share, 2 Yr. CAGR %	-21.83	-	15.47	15.04	31.43
Gross Loans, 2 Yr. CAGR %	8.7	14.97	4.61	4.03	15.43
Allowance For Loan Losses, 2 Yr. CAGR %	8.12	20.43	3.65	-4.92	10.68
Net Loans, 2 Yr. CAGR %	8.71	14.82	4.63	4.28	15.56
Non Performing Loans, 2 Yr. CAGR %	26.6	6.65	-7.26	2.66	-0.68
Non Performing Assets, 2 Yr. CAGR %	26.6	6.65	-7.26	2.66	-0.68
Total Assets, 2 Yr. CAGR %	8	13.05	7.38	4.67	13.28
Total Deposits, 2 Yr CAGR %	18.64	19.08	1.31	7.94	23.24
Tangible Book Value, 2 Yr. CAGR %	-2.42	-0.52	9.47	12.95	5.83
Common Equity, 2 Yr. CAGR %	-2.42	-0.52	9.47	12.95	5.83
Total Equity, 2 Yr. CAGR %	-2.38	-0.52	9.36	12.84	5.82
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-2.3	-6.36	2.69	10.75	16.32
Non Interest Income, 3 Yr. CAGR %	8.89	6.78	19.74	11.77	20.26
Provision For Loan Losses, 3 Yr. CAGR %	20.53	-35.61	-44.01	-0.21	50.17
Total Revenues, 3 Yr. CAGR %	-3.43	0.91	26.34	13.62	15.54
Earnings From Cont. Operations, 3 Yr. CAGR %	-19.25	-7.52	438.98	28.2	30.5
Net Income, 3 Yr. CAGR %	-19.52	-7.44	2.57K	28.44	30.34
Normalized Net Income, 3 Yr. CAGR %	-19.88	-7.38	77.09	28.35	30.38
Diluted EPS Before Extra, 3 Yr. CAGR %	-34.86	-16.8	29.76	29.5	29.25
Dividend Per Share, 3 Yr. CAGR %	-26.17	-14.29	-	10.89	30.75
Gross Loans, 3 Yr. CAGR %	11.23	10.92	7.79	7.72	8.08
Allowance For Loan Losses, 3 Yr. CAGR %	6.64	13.18	7.9	3.89	2
Net Loans, 3 Yr. CAGR %	11.37	10.85	7.79	7.82	8.25
Non Performing Loans, 3 Yr. CAGR %	64.11	21.34	-4.26	5.51	-8.69
Non Performing Assets, 3 Yr. CAGR %	64.11	21.34	-4.26	5.51	-8.69
Total Assets, 3 Yr. CAGR %	13.07	10.04	8.87	7.76	9.02
Total Deposits, 3 Yr CAGR %	16.35	16.71	8.81	9.59	10.83
Tangible Book Value, 3 Yr. CAGR %	9.03	-2.45	6.75	7.54	11.25
Common Equity, 3 Yr. CAGR %	9.03	-2.45	6.75	7.54	11.25
Total Equity, 3 Yr. CAGR %	8.95	-2.43	6.69	7.47	11.17
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	0.12	-2.48	-0.29	5.23	7.07
Non Interest Income, 5 Yr. CAGR %	4.5	4.85	8.79	8.12	23.3
Provision For Loan Losses, 5 Yr. CAGR %	0.67	-25.86	-10.12	6	-18.86
Total Revenues, 5 Yr. CAGR %	1.23	2.86	2.99	5.91	22.28
Earnings From Cont. Operations, 5 Yr. CAGR %	-9.5	-5.09	-1.75	6.15	201.13
Net Income, 5 Yr. CAGR %	-9.76	-5.14	-1.79	6.12	686.54
Normalized Net Income, 5 Yr. CAGR %	-9.82	-5.17	-2.07	6.11	54.4
Diluted EPS Before Extra, 5 Yr. CAGR %	-20.52	-13.86	-11.52	-2.96	27.21
Dividend Per Share, 5 Yr. CAGR %	-15.14	-14.63	-11.71	-3.58	-
Gross Loans, 5 Yr. CAGR %	10.29	12.32	8.53	8.11	10.78
Allowance For Loan Losses, 5 Yr. CAGR %	4.54	11.21	5.43	5.56	9
Net Loans, 5 Yr. CAGR %	11.89	13.82	8.62	8.18	10.83
Non Performing Loans, 5 Yr. CAGR %	24.52	12.12	30.62	13.49	-2.84
Non Performing Assets, 5 Yr. CAGR %	24.52	12.12	30.62	13.49	-2.84
Total Assets, 5 Yr. CAGR %	11.17	13.32	10.76	7.86	10.61
Total Deposits, 5 Yr CAGR %	13.01	14.25	10.08	13.12	14.06
Tangible Book Value, 5 Yr. CAGR %	7.06	5.78	9.2	3.44	6.38
Common Equity, 5 Yr. CAGR %	7.06	5.78	9.2	3.44	6.38
Total Equity, 5 Yr. CAGR %	7	5.73	9.11	3.41	6.34