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In the news..
KFH Expands Offers in Partnership with Qatar Airways
Kuwait Finance House (KFH) has announced the expansion of its partnership with Qatar Airways, as part of its commitment to providing customers with an exceptional travel experience to different destinations through exclusive offers. Under this collaboration, KFH credit and prepaid cardholders will receive discounts of up to 12% on the base ticket fare to selected destinations across Qatar Airways global network. The offer is available to customers of KFH Group in Kuwait, Bahrain, Egypt, and Turkey, with tailored variations to suit the different needs of customers in each country. Deputy General Manager Cards at KFH, Talal AlArbeed, said that this offer reinforces the shared vision and supports the integration of services across the Group’s network. It also enriches customers’ experience in the markets in which the offer is available. He added: “This offer extends a successful cooperation with Qatar Airways, which has garnered significant customer interest, particularly during holidays and travel seasons." AlArbeed highlighted KFH's distinct capability to deliver a premier array of travel and holiday offers, a commitment that enhances customer lifestyles, drives card usage, and provides benefits through the Bank's diverse services and products. He further noted that KFH customers can benefit from exceptional privileges, such as access to VIP airport lounges, which provides added comfort and convenience. AlArbeed affirmed KFH’s dedication to expanding its strategic partnerships with leading global institutions across various sectors. These collaborations not only strengthen the customer experience but also reinforce KFH’s position as one of the world’s largest and most innovative Islamic banks, recognized for delivering value-added banking services.
KFH Signs Collaboration and Partnership Agreement with Taly
Kuwait Finance House (KFH) has signed a collaboration and partnership agreement with Taly, a local Fintech company specializing in Buy Now, Pay Later (BNPL) solutions. The collaboration aims to accelerate Taly’s market launch and operational readiness, reaffirming KFH’s commitment to enhancing market capabilities, supporting business innovation, and promoting financial inclusion. KFH Group Chief Corporate Banking Officer, Yousef Almutawa, said that the agreement reflects KFH’s leading role in supporting the corporate sector and driving the technological advancement of financial transactions. He added that the partnership represents a forward-looking step designed to improve performance within Kuwait’s payments market. Almutawa noted that Taly operates within a Sharia-compliant regulatory framework and offers innovative service mechanisms that were key to KFH’s decision to collaborate. He emphasized that KFH actively supports innovative projects and modern ideas that enhance financial performance, stimulate economic activity, and promote sustainable growth. He further affirmed that KFH is committed to enabling corporates to achieve digital transformation in financial transactions, creating a secure and attractive environment aligned with the latest global technologies and customer expectations. Almutawa also highlighted KFH’s continuous role in helping corporate clients expand their operations by offering customized banking solutions. This support, he explained, is a core objective of the bank and reflects KFH’s social and economic mission to contribute to the national economy. Commenting on the partnership, Chief Executive Officer and Co-founder of Taly, Bader AlBader said: “We’re pleased to enter this strategic partnership with KFH, which demonstrates the mutual trust in our shared vision for advancing Kuwait’s e-payment sector.” He added: “This collaboration marks an important step toward strengthening innovation in Sharia-compliant digital payment solutions and reinforces Taly’s position as a leading Fintech player in the local ecosystem.” AlBader explained that Taly provides its BNPL service fully digitally, allowing customers to shop in stores or online and split payments into four equal installments, free of interest or fees. In addition to full Sharia compliance, he noted that Taly distinguishes itself by offering a flexible and responsible payment experience that builds trust among consumers and partners alike. Meanwhile, KFH Capital Senior Vice President - Private Equity Dept., Abdulmoshen Hamad Al hamad, stated that the company has made a strategic investment in Taly through one of its subsidiaries. The move aligns with KFH Capital’s broader strategy to support Sharia-compliant Fintech innovation and strengthen its participation in this fast-growing sector. He added that the investment reflects the shared vision of KFH and KFH Capital to develop the financial innovation ecosystem in Kuwait and across the GCC through partnerships that create long-term value for merchants, consumers, and investors.
AlShamlan: KFH's highest market profits affirm the Group's financial strength and outstanding business model
Kuwait Finance House (KFH) held the earnings webcast for highlighting the Group’s financial performance and results for Q3-2025. The webcast was attended by KFH Group Chief Executive Officer, Khaled Yousef AlShamlan, Group Chief Strategy Officer, Eng. Fahad Al-Mukhaizeem, and Group Chief Financial Officer, Abdulkarim Al-Samdan. Group Chief Executive Officer - Khaled AlShamlan KFH Group Chief Executive Officer, Khaled AlShamlan commenced the meeting by shedding light on the Bank’s financial performance up to the end of the third quarter of 2025. He said that, by the grace of Allah, KFH achieved a net profit for shareholders of 492.7 million KD up to the end of the third quarter of 2025, an increase of 2.0% compared to the same period last year. These profits are the highest in the Kuwaiti banking sector and the local market. Earnings per share up to the end of Q3 2025 reached 27.98 fils; an increase of 2.0% compared to the same period last year. Net financing income up to the end of Q3 2025 reached 944.3 million KD; an increase of 13.1 % compared to the same period last year. Total operating income up to the end of Q3 2025 increased, supported by an increase in all core activities to reach 1.3 billion KD; an increase of 10.0 % compared to the same period last year. Net operating income up to the end of Q3 2025 increased to reach 850.2 million KD; an increase of 12.8 % compared to the same period last year. Financing receivables as the end of Q3 2025 reached about 21.2 billion KD, an increase of 11.3% compared to the end of last year. As of the end of Q3 2025, total assets amounted to 40.8 billion KD, an increase of 11.0% compared to the end of last year. Shareholders’ equity amounted to 5.6 billion KD, an increase of 1.5% compared to the end of last year. Depositors’ accounts amounted to 20.1 billion KD as of the end of Q3 2025, an increase of 4.7% compared to the end of last year. The capital adequacy ratio reached 17.68% which is above the limit required by regulators. This ratio confirms the solid capital base of KFH. AlShamlan added: “The strong Q3 results achieved by KFH confirm our ongoing commitment to shareholders and customers. This performance has created new opportunities for sustaining and increasing record profits.” He further noted: “KFH continues to maintain its market leadership as the largest company on Boursa Kuwait, the most profitable and best-performing bank, and the bank with the highest dividend distribution. This commitment is underscored by KFH's recent recognition as the top-performing bank in Kuwait in The Banker's 2025 Top 1000 World Banks ranking.” AlShamlan mentioned that the digital and substantial achievements of recent years provide a solid foundation for future growth. This success confirms KFH's ability to meet its strategic goals, particularly sustainable growth and industry leadership, and pave the way for its ambition to join the world's top 100 banks in the coming years. Additionally, KFH continues to provide the necessary financing to Kuwaiti corporates to enhance their businesses and support their expansion. In addition, KFH participates in financing major development projects in a way that serves the state's development plan and stimulates the national economy. AlShamlan added: “The launch of AUB - Bahrain's new visual identity, rebranding it as KFH - Bahrain under the umbrella of KFH Group, represents a strategic shift. This change strengthens the bank's position as an influential banking group with a geographic presence in 10 countries worldwide, most notably Kuwait, Bahrain, Turkey, Egypt, Germany, and the United Kingdom. The Group offers innovative services and products that keep pace with customer aspirations and global developments in the financial and banking sectors.” He emphasized that the importance of KFH unifying its services and products across KFH Group lies in enhancing operational efficiency and delivering consistent customer experience across its extensive global network which spans over 600 branches. “This strategic approach not only allows us to take advantage of the unique strengths of individual markets but also reinforces KFH's leadership as the most valuable and trusted Islamic banking brand worldwide,” noted AlShamlan. Furthermore, KFH launched the KFH Group Service Center. This center serves both KFH-Turkey and KFH-Egypt, aiming to better meet customer needs and deliver an integrated banking experience. Additionally, our digital transformation strategy focuses on enhancing operational efficiency. This is achieved by employing digital technologies in its operations, supporting a structured transformation program across all business sectors. KFH launched a comprehensive update to its KFHOnline app, introducing a modern design and smart banking features along with KFH-Go smart branches and other e-channels that provide innovative solutions collectively showcasing KFH's readiness to deliver unlimited, high-efficiency digital services with exceptional flexibility. He added that the Bank is also focused on supporting and financing Small and Medium-sized Enterprises (SMEs), acknowledging their crucial role in driving economic growth. Additionally, the successful launch of our Sustainable Business Program for SMEs aims to provide them with a competitive edge while showcasing KFH's dedication to sustainable development and leadership. AlShamlan stated that KFH’s financing efforts have been recognized by major international institutions. The bank received the "Worlds`s Best Islamic Financial Institution" award for 2025 from Global Finance magazine, along with the "Best Islamic Private Bank - Digital Innovation" award from Global Private Banker magazine. Furthermore, KFH was honored with the "Kuwait’s Best Bank for SMEs "award from Euromoney, the "Most Sustainable Projects in the Middle East" award from Forbes magazine, and the "World`s Best Islamic Retail Bank" award, also from Global Finance. Additionally, KFH maintained its position as the largest listed company in Kuwait on Forbes’ 2025 Global 2000 list. Speaking about future plans, AlShamlan said: “As we look ahead, our focus remains on sustainable growth through synergies and AI-driven digital innovation, emphasizing value for our stakeholders, especially our customers. By consistently achieving top profits in the banking sector and pioneering digital transformation, we are well-positioned to seize emerging opportunities. Our strong financial position and diverse business model enable us to navigate potential challenges in the economy effectively.” Group Chief Financial Officer - Abdulkarim Al-Samdan KFH Group Chief Financial Officer, Abdulkarim Al-Samdan, said that the financial performance of KFH group for the nine months period ended 30 September 2025 recorded solid growth in its core banking activities during the 9 months period of 2025. Key financial performance highlights are as follows: The Group has achieved Net Profit After Tax attributable to Shareholders for the first nine months ended 30th September 2025 of KD 492.7mn higher by KD 9.8mn or 2.0% compared to 9M-24 of KD 482.9mn. Net financing income at KD 944.3mn increased by KD 109.2mn or 13.1% compared to same period last year Net Operating income at KD 850.2mn increased by KD 96.2mn or 12.8% compared to same period last year Cost to income ratio improved to 35.18% for 9M-25 compared to 36.77% for 9M-24 Earnings per share up to the end of Q3 2025 reached 27.98 fils; an increase of 2.0 % compared to the same period last year Total operating income increased by KD 119.1mn or 10.0%. Looking at the total operating income profile, there is an increased contribution of net financing income to total operating income from 70.0% in 9M-24 to 72.0% in 9M-25. Further contribution of fee and commission income has increased from 10% to 13%. Enhanced contribution of net financing income and fee and commission income highlight enhanced core banking activities. Average Profit Yielding Assets are higher by 4.1% compared to Dec-2024 and 4.9% compared to Sep-24 mainly from increase in average financing receivables and average investment in debt securities. Al-Samdan noted that Group Net Financing Margin (NFM) for 9M-25 at 3.16% is higher by 12bps compared to 9M-24. He said that KFH cautious approach towards provisioning have contributed to financing provision balance exceeding ECL required as per CBK IFRS 9 by KD 478mn as of 30 September 2025. Moving to the financial position: Total Assets at KD 40.8bn increased by KD 4.05bn or 11% in Sep-25 compared to Dec-2024. Net financing receivables at KD 21.2bn increased by KD 2.2bn or 11.3% compared to Dec-2024 mainly on account of increase in corporate portfolio. Investments in debt securities at KD 7.6bn has increased by KD 735mn or 10.7% compared to Dec-2024. Deposits for 9M-25 at KD 20.1bn have increased by KD 900mn or 4.7% compared to Dec-2024. The contribution from CASA deposits to total group customer deposits as of 30 Sep-25 is 44.6% and on an overall basis group continues to benefit from a large pool of low-cost deposits. Group Chief Strategy Officer- Eng. Fahad Al-Mukhaizeem Meanwhile, KFH Group Chief Strategy Officer, Fahad Al-Mukhaizeem, shared insights into Kuwait’s economic landscape and KFH's strategic progress during the 9 months of 2025. He said that global economic growth is expected to ease from 3.3% in 2024 to 3.2% in 2025, with advanced economies growing at nearly 1.5% and emerging markets above 4%. Disinflation continues unevenly, requiring cautious monetary policy amid risks including mid-2025 tariff shocks and policy uncertainty. Kuwait's economy shows clear recovery signs where economic activity turned positive in Q1 2025, expanding 1.0% year-on-year. Full-year 2025 real GDP is projected to grow 2.6% supported by stronger private domestic demand. Kuwait's projects market rebounded in Q3 2025, with awards up 33.8% year-on-year to USD 4.3 billion. Cumulative awards in the first nine months were up more than 25% from 2024, indicating stronger execution momentum. Kuwait government returned to global debt markets pricing at among the tightest emerging-market spreads in 2025. This issuance strengthens the sovereign yield curve, deepens global capital markets integration, diversifies Vision 2035 project funding, sets improved pricing benchmarks for banks and corporates, and supports credit growth and financial-sector depth. Annual inflation eased to 2.39% in July 2025 (projected to moderate to 2.2% by the end of 2025) from 2.9% average in 2024, reflecting the Central Bank of Kuwait's prudent monetary policy. The CBK cut its discount rate by 25 basis points in September 2025, from 4.00% to 3.75%, reflecting a cautious approach to support sustainable growth while maintaining macroeconomic stability. Al-Mukhaizeem said: “KFH delivered strong Q3 results with growth in financing, deposits, and fee income, reflecting our diversified model and leadership in retail, corporate, and investment banking. Our liquidity coverage and capital adequacy ratios exceed regulatory requirements, ensuring resilience.” KFH preserved its position as Kuwait's largest listed company, with market capitalization increasing to KWD 14.3 billion (27.2% of all listed companies totaling KWD 52.6 billion) as of end-Q3 2025, up 19.9% compared to Q3 2024, reflecting sustained investor confidence. He affirmed that innovation remains central to KFH's strategy. In Q3, we expanded our AI-driven virtual assistant "Fahad" across digital and branch channels, while introducing AI speech-analytics tools in contact centers to enhance service quality and efficiency. The KFHOnline app added real-time gold trading, seamless digital onboarding, and advanced Sharia-compliant financing features, reinforcing our customer-centric approach. Al-Mukhaizeem added: “KFH continues strengthening its regional footprint following successful rebranding of KFH Bahrain and full integration of KFH Egypt. These milestones established unified governance and digital frameworks, enhancing cross-market connectivity and reinforcing KFH's standing as a leading international Islamic financial institution.” KFH underscores its sustainability commitment by embedding ESG considerations across strategy, risk, and product design, expanding Sharia-compliant financing supporting renewable energy, energy efficiency, and low-carbon infrastructure. He pointed out that by entering Q4, KFH is well-positioned to capitalize on Kuwait's government projects pipeline, particularly in project and infrastructure financing. Our priorities include advancing our digital ecosystem and AI capabilities, deepening regional synergies, and promoting sustainable and inclusive finance aligned with Kuwait Vision 2035. Al-Mukhaizeem said: “Our Q3 2025 results demonstrate exceptional resilience and consistent performance through a robust business model and prudent funding strategy. We remain committed to being a trusted financial partner and key enabler of Kuwait's economic transformation.”
KFH Explores the Future of Banks in the Digital Transformation Era
Kuwait Finance House (KFH) participated in the 4th edition of MoneyTech Summit held at St. Regis Hotel in Kuwait. The event gathered experts from fintech, banking, telecom, entrepreneurs and money technology investors as well as other relevant sectors. In his speech, KFH Group Chief Technology and Digital Transformation Officer, Meshaal AlMunaikh, said: “I'm pleased to be at the MoneyTech Summit to discuss the future of banks as they navigate the digital transformation. This shift is already shaping our everyday lives.” He added: “Banks are no longer self-contained entities but have become part of an open financial ecosystem built on collaboration with FinTech companies, digital platforms, and global technology players (Big Tech). At KFH, we capitalize on these partnerships to deliver innovative services that open the way for more opportunities.” AlMunaikh pointed out that the future of banks lies in innovation, smart technologies such as artificial intelligence (AI) and cloud computing. “Digital channels, including banking apps and e-platforms, are now the primary customer touchpoints and act as strategic partners in customers’ daily lives,” noted AlMunaikh, “Last year alone, customers performed over 400 million digital transactions through KFHOnline app. This figure reflects strong customer engagement with digital platforms. It is also evidence that we are ready for the future while leading the digital transformation journey with high efficiency, providing customers with seamless and sustainable banking experience.” He further noted: “Modern technology with customers’ evolving expectations have transformed the financial sector. This shift placed on us a responsibility to redefine the banking experience through a new model centered on a seamless, borderless service experience, accessible 24/7, through efficient, secure and reliable digital channels.” AlMunaikh emphasized that technology alone is not sufficient to achieve the desired transformation, explaining that real change begins with mindset and a work environment that encourages innovation and creativity which are core values for every project and decision. He added that integrating AI and automation while strengthening cybersecurity is key to accelerating digital transformation responsibly and securely. AlMunaikh highlighted KFH’s successful adoption of the latest technologies which have reduced costs, improved reliability, and enhanced performance, all of which have positively impacted operational efficiency and strengthened customer experience. He also demonstrated KFH’s major initiatives in integrating AI and automation, including: - Unifying data across the Group using advanced technology from Oracle, Microsoft and other international companies. - Developing AI-powered solutions with Microsoft to enable advanced analytics, automated risk models, and real-time insights. This initiative has reduced credit assessment time from several days to less than one hour, accelerating reporting, and enhancing customer experience. - Smart data analytics to support decision-making. - Smart automation of some internal processes. - Introducing AI Copilot digital assistants to support employees. - Launching advanced Speech Analytics system in the call center with Automated Quality Management system. - Introducing "Fahad", Kuwait's first AI-powered virtual employee, a leading step towards smart banking services. AlMunaikh extended appreciation to Aljarida newspaper team for organizing this distinguished summit. He commended their efforts in fostering dialogue on critical issues shaping the future of the banking sector with leading bankers and experts in the industry. It is worth noting that the MoneyTech Summit is a key platform for decision-makers and experts. It addresses topics such as the role of AI and data centers in accelerating the growth of the GCC private sector, the maturity and ongoing development of fintech, the rise of health tech as the new frontier for GCC investors, and the next leap of proptech in redefining real estate investment and unlocking new growth opportunities.
