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In the news..
Al Marzouq: KFH Reports Net Profit Attributable to the Shareholders of the Bank of KD 176.5 Million for Q1 2026
Chairman of Kuwait Finance House (KFH) Hamad Abdulmohsen Al Marzouq announced that KFH achieved a net profit for shareholders of KD 176.5 million for the first quarter of 2026, representing an increase of 5.0% compared to the same period last year. Earnings per share for the first quarter of 2026 reached 9.59 fils; an increase of 5.0% compared to the same period last year. Net financing income for the first quarter of the year reached KD 332.0 million; an increase of 4.1% compared to the same period last year. Total operating income for Q1 2026 increased to KD 496.4 million, supported by growth across all core business activities, representing an increase of 6.0% compared to the same period last year. Net operating income for the first quarter of 2026 increased to KWD 340.6 million; an increase of 10.3% compared to the same period last year. This improvement was driven by a 6.0% increase in total operating income, alongside a 2.2% decline in total operating expenses, which led to an improvement in the cost-to-income ratio to 31.4% during the first quarter of 2026, compared to 34.0% in the same period last year. This underscores the Group’s focus on operational excellence and resource optimization. The Group has continued to strengthen its financial position, as evidenced by a growth in total assets to KD 43.6 billion in Q1 2026, a 1.9% increase compared to year-end 2025. Financing receivables as of the end of the first quarter of 2026 stood at KD 21.8 billion. Additionally, shareholders’ equity stood at 5.6 billion for the same period. Depositors’ accounts reached KD 21.4 billion as at the end of Q1 2026, up 1.9% compared to year-end 2025. The capital adequacy ratio reached 19.23%, a level that exceeds regulatory requirements and confirms the strength of the Group’s capital base. Balanced Growth Al Marzouq stated that growth in financial indicators during the first quarter of the year reflects the Group’s sustained ability to achieve balanced growth amid the rapidly evolving and challenging operating environment at the regional and global levels. This is driven by robust core banking activities, improved operational efficiency, solid risk management, and the continuous diversification of income sources across the Group. He added that these results underscore the strength of the Group’s strategy, which strikes a balance between growth and financial resilience while enhancing its ability to create sustainable value for shareholders and customers alike. Looking ahead Al-Marzouq pointed out that, in the coming phase, the Group will continue to focus on strategic priorities. These include maintaining a strong financial position, improving asset quality, increasing income, enhancing expenditure efficiency, advancing digital infrastructure and services, elevating customer experience, and capitalizing on market opportunities, all within a solid risk management framework. International network Al Marzouq stressed the Group’s continuous efforts to cement its position as a pioneer in Islamic finance with an influential regional and global presence, capitalizing on its international network spanning 10 countries with over 600 branches. He added that this global footprint represents a key strength in the Group’s business model, not only in terms of scale and presence, but also in terms of income and financing diversification, as well as operational resilience. First locally and fifth regionally Al Marzouq noted that KFH maintained its position as the largest listed company on Boursa Kuwait by market capitalization, at approximately KD 15 billion. It also ranked fifth among banks in the Middle East and is the only Kuwaiti bank listed among the top five in S&P’s “Top 20 Middle East and Africa Banks”. This reflects KFH’s status as a dominant global Islamic banking force based in Kuwait. Empowering the local economy Al Marzouq emphasized KFH’s pivotal role in driving the Kuwaiti economy and local market forward and providing prudent financing solutions to the corporate sector. This strategy aligns with the bank’s focus on advancing corporate banking and institutional financing while delivering financial services to the retail and SME sectors. He emphasized that the Bank considers this role a core element of its mission as a leading national financial institution, combining commercial growth with economic responsibility. Social role and sustainability Al Marzouq emphasized that KFH continues to strengthen its social impact through major community contributions, most recently donating KD 2 million to a national debt-relief initiative organized by the Ministry of Justice. He highlighted that KFH has previously contributed more than KD 20 million toward settling the debts of thousands of defaulting individuals, noting that the bank’s cumulative commitment to debt relief has reached approximately KD 61 million. Al Marzouq noted that KFH's strategic contributions to social responsibility earned it the "World’s Best Islamic Bank for CSR" award from Global Finance. Furthermore, KFH was named "Best for Sustaining Communities – Middle East” award recognizing its leadership in sustainable practices and its commitment to EESG standards. Operational efficiency and strong financial position KFH Group Chief Executive Officer, Khaled Yousef AlShamlan stated that Q1 2026 financial indicators were supported by growth in net financing income, net fees and commissions, and increased operating income, in addition to the ongoing contribution of the international subsidiaries in supporting profitability and diversifying income across the Group. He further mentioned that the financial results reaffirm the Group’s capacity to accomplish balanced and measured performance that combines maximizing value for shareholders and enhancing operational efficiency. Additionally, these results underline the strong financial position and high solvency, despite regional developments. He indicated that KFH adopts a solid and effective risk management policy, enhancing its resilience to navigate challenges, face material risks, ensure operational continuity, and support economic growth. This policy also capitalizes on technological infrastructure which drives operational sustainability and deliver long-term profitability. Diversified financing solutions As part of diversifying financing solutions, AlShamlan highlighted the successful issuance of USD 1 billion in senior unsecured Sukuk with a five-year maturity, marking the third issuance under KFH’s USD 4 billion sukuk programme. He explained that the issuance reinforces the Group’s financing capacity to efficiently finance its operations. It also provides more flexibility in managing the financing structure and supports the Group’s role in financing infrastructure projects and productive economic sectors within Kuwait, while supporting clients’ regional and international expansion. "KFH has strengthened its leadership in the primary and secondary markets for the International Islamic Liquidity Management (IILM) Sukuk Program. KFH secured the top position as both a Primary and Secondary Dealer". Uninterrupted operational efficiency AlShamlan noted that to expand market share and elevate service quality, KFH has continued to deliver competitive digital solutions for corporate and retail customers through its various digital channels and smart branches. He emphasized the resilience of KFH's operational processes, which ensure high efficiency and the regular provision of all banking services under various conditions. These results are underpinned by proactive, flexible planning designed to maintain performance stability and seamless service continuity. Investing in human resources AlShamlan emphasized the priority KFH places on its workforce, highlighting a steadfast commitment to developing employee capabilities and nurturing their professional and academic potential. Recognizing staff as the cornerstone of the bank's success, he noted that receiving several prestigious awards from the Brandon Hall Group in Human Resources underscores the bank’s successful investment in human capital and its leadership on both a local and global levels. Global recognition AlShamlan stated that KFH’s excellence has been widely recognized globally, earning several prestigious awards during the first quarter of the year. These include “Best Bank in Kuwait” from EMEA Finance, “Most Valuable Bank” from Forbes Middle East, “World’s Best Islamic Bank” from Global Finance, and “Safest Private Bank in the Middle East” from Euromoney, in recognition of its leadership in private banking and wealth management. The Group also received several other international accolades. Key financial indicators – Q1 2026: • Net profit attributable to shareholders: KD176.5 million • Growth rate 5% • EPS: 9.59 fils • Net financing income: KD 332.0 million • Total operating income: KD 496.4 million • Net operating income: KD 340.6 million • C/I ratio: 31.4% • Financing receivables: KD 21.8 billion • Total assets: KD 43.6 billion • Depositors’ accounts: KD 21.4 billion • Capital adequacy ratio: 19.23%
KFH Signs a Partnership with Trolley
Kuwait Finance House (KFH) has unveiled a new partnership with Trolley, a leading homegrown convenience and retail chain with a network of branches located across Kuwait offering daily groceries and essential items. Under this partnership, customers will be able to transfer their KFH Rewards points to Trolley Rewards program. The transferred points will be automatically added to the members’ balance in Trolley app, allowing them to pay with these points when shopping at Trolley stores. “This collaboration aligns with the Bank’s efforts to provide customers with the best benefits, enhance its rewards program and maximize the points usage coverage,” Deputy General Manager Cards at KFH, Talal AlArbeed stated. “Through this partnership KFH offers a competitive edge in the Kuwaiti market by granting customers to shop at Trolley stores, collect points and linking these points to KFH Rewards program. The collected points can be transferred through KFH Rewards program’s mobile app or website and used to pay with or redeem them for various promotional programs through Trolley’s Rewards app.” AlArbeed added that KFH recently released an updated version of its rewards program on smart phones and the website, designed to enhance user experience and offer more flexibility. The new update provides marketing and promotional opportunities for partners and participating merchants. “Additionally, cardholders can enjoy a unique shopping experience through a wide range of opportunities and allowing them to earn up to 200 points for every KD 1 paid through their eligible cards at participating stores,” he explained. AlArbeed further highlighted the integrated and diverse benefits available to KFH cardholders, noting that customers holding Green, Silver, and Black tiers earn reward points on every transaction, whether locally or internationally. They can also access a full range of redemption options, including redeeming points for shopping vouchers at participating merchants, exclusive deals and special offers through the online marketplace, as well as travel bookings such as flights, hotels, and car rentals. Customers can also transfer their points to loyalty and rewards programs offered by global partners participating in the KFH Rewards Program. Meanwhile, Group CEO and Vice Chairman of Trolley, Mohammed Yaqoub Boodai, expressed his delight regarding the strategic partnership with KFH: "We are pleased to join the KFH Rewards program, a step that reflects our commitment to delivering added value to our customers. This partnership allows KFH customers to redeem their points easily and flexibly while shopping at Trolley, enhancing their experience with greater variety and rewards."
KFH Announces Winners of the Postponed Monthly Draws for Q1
Kuwait Finance House (KFH) announced the winners of the postponed monthly draws for the Al-Hassad and Al-Rabeh accounts for Q1 2026. Through these accounts, KFH continues to reward its customers, with Al-Hassad offering total annual prizes of KD 3 million, while Al-Rabeh grants KD 1,000 to 30 winners each month, underscoring KFH’s commitment to strengthening customer trust and rewarding loyalty. KFH conducted 6 previously postponed draws, awarding 93 winners with cash prizes amounting to KD 390,000. The prize distribution was as follows: - Al-Hassad Account: 3 draws were held, announcing 3 winners who received KD 100,000 each. - Al-Rabeh Account: 3 draws were held, crowning 90 winners with KD 1,000 each. Deputy General Manager Products at KFH, Nehal Al-Musallam said that the Al-Hassad account’s new campaign brings significant prizes, with the grand prize totaling KD 1.5 million, in addition to a semi-annual prize of KD 500,000 and a monthly prize of KD 100,000. She added that this campaign has been running since January this year, in conjunction with the resumed draws campaigns on investment accounts which are conducted in coordination with independent auditors to ensure high levels of integrity and transparency. KFH is interested in developing the benefits of the Al-Hassad account, which is one of the prominent banking products KFH offers thanks to the remarkable demand this product has achieved and the trust it has gained from customers over the past years. Al-Hassad grants customers increasing winning chances. Each customer has one chance for every KD 50. This opportunity increases when the customer retains his/her account balance for longer period, in order to be eligible for the KFH Millionaire title. Meanwhile Al-Rabeh account is a salary account. To qualify for the Al-Rabeh account draw, customers must deposit three salaries during the three months preceding the draw date, while maintaining a minimum balance of KD 50 at the end of each of those months. The account qualifies customers for monthly draws of KD 1,000 awarded to 30 winners. KFH is committed to providing top-tier banking products that meet the aspirations of customers and provide them with distinguished opportunities to win cash prizes, increasing the demand of the account as a savings and investment option. Al-Hassad account is based on the Wakala investment principle. On such a basis, the Bank invests the entire account balance at an expected profit rate agreed upon in advance with the customer. The account also offers draw campaign and prizes which are featured on monthly, semi-annual and annual basis. Customers can open Al-Hassad account to benefit from the grand draws program, adding that customers can open the account through KFH branches, KFHOnline and ATMs. They can benefit from the opportunities, including chances to win valuable prizes in upcoming draws, alongside a wide range of banking products and services designed to enhance their overall banking experience.
KFH Launches the Largest National Campaign of Its Kind
In line with its social responsibility, Kuwait Finance House (KFH) has launched the largest national campaign of its kind under a strategic partnership with the Voluntary Work Center, represented by the center’s Chairperson, Sheikha Amthal Al-Ahmad Al-Jaber Al-Sabah. Titled “Kuwait’s flag on Every House”, the campaign underscores the flag as a powerful symbol of national identity and belonging. As part of this initiative, Kuwait flags will be distributed to citizens, fostering a deeper sense of national pride and reinforcing social cohesion, particularly at a time when unity and collective solidarity are paramount. With the campaign officially launched on Wednesday, 15 April 16, 2026 at 12.00 PM, KFH has started the flag distribution across a number of its branches on different days. These branches include Khaldiya, Bayan, Qasr, Fahaheel and Al Khiran Mall. The initiative will continue in the coming period, with daily distribution of flags in multiple locations across the country. Additionally, the campaign, the largest of its kind in Kuwait, ensures nationwide participation among citizens. It is worth noting that this campaign reflects KFH’s commitment to social responsibility and efforts in implementing societal initiatives that serve the country and promote positive national values, in collaboration with voluntary organizations. It also underscores the Bank’s leading role in supporting the community, representing unity and cohesion that defines Kuwaiti society.
