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In the news..

KFH Supports the Development Initiative of Al Wataniya Area in Kuwait City
Kuwait Finance House (KFH) announced its support for an initiative aimed at designing and developing the area between Baitak Tower and Souq Al Wataniya in Kuwait City. This ongoing support reflects KFH`s leading national and societal role, affirming its commitment to sustainability and environmental preservation. This initiative, a collaboration between KFH, Kuwait Municipality, and the College of Architecture at Kuwait University, will develop and execute the winning projects in accordance with sustainability and ESG standards. Assessment committee As part of its commitment to empowering youth and supporting sustainability initiatives, KFH invited students from the College of Architecture to participate in this initiative to redesign and develop the Al Wataniya area. KFH established clear guidelines for participating projects in this competition, emphasizing the importance of integrating sustainable design solutions that contribute to environmental protection. A joint committee of experts from KFH, Kuwait Municipality, and faculty members from the College of Architecture is reviewing the submitted projects. Site visits Students and stakeholders involved in the project conducted several site visits to assess the space in detail. During multiple sessions and workshops, students presented their ideas, which were reviewed based on precise criteria and engineering principles aligned with sustainable quality of life and environment. The best design The committee selected three winning teams for the best design award. For their awarded projects, Sama Wael Al-Abduljader, Dalia Hamdan Al-Qashim, Dima Khaled Al-Rashdan, Hamad Moayyad Al-Dulaimi, Zahra Adel Hussain, Alanan Faisal Al-Sabah, and Jawa Hussain Al-Abdulmohsen received valuable cash prizes. Honoring ceremony The honoring ceremony was attended by KFH Executive Manager General Services, Ayman Altabtabaei, Kuwait Municipality Deputy Director General for Projects Sector Affairs, Eng. Maysa Boushehri, and the Dean of College of Architecture, Prof. Adel Al-Mumen along with several faculty members and officials. Prior to the event, an exhibition was held for the participating teams to showcase their projects. Contribution to development initiatives KFH Executive Manager General Services, Ayman Altabtabaei, stressed the significance of granting students and youth the opportunity to be part of the country’s development initiatives in line with the Bank’s sustainability and social responsibility strategy. He highlighted the KFH’s commitment to fostering their talents and enhancing their academic and practical capabilities as future investment. Altabtabaei commended KFH’s collaboration with Kuwait Municipality and Kuwait University, represented by the College of Architecture. The collaboration underscores the importance of concerted efforts between the public and private sectors in advancing Kuwait at all levels. He pointed out that this initiative affirms KFH’s leadership in social and national responsibility and reflects its dedication to sustainability, greening and improving the quality of life. Commending KFH’s contribution In her statement, the Deputy Director General for Projects Sector Affairs at Kuwait Municipality, Eng. Maysa Boushehri, lauded the trilateral collaboration, adding that this collaborative project paves the way for more similar initiatives that contribute to serving Kuwait and the community. She also thanked KFH for supporting this significant project, and the faculty members of the College of Architecture at Kuwait University for their role in the success of this initiative. Supporting youth and students Meanwhile, Prof. Adel Al-Mumen stated that these awards convey a message of confidence to Kuwaiti youth. Such initiatives also assure them that they are the drivers of development and that their efforts are valued and help advance Kuwait in various fields. He praised the fruitful cooperation among Kuwait University and the private and government sectors, lauding the remarkable outcomes, unique projects and ideas presented by students. He expressed hope that these designs would soon be realized and that similar collaborations would continue in the future. Strategic social initiatives KFH continues to reinforce its CSR leadership by successfully launching impactful and strategic social initiatives. The Bank has commenced the implementation of the Al Mubarakiya Reconstruction Project. Additionally, KFH has pledged KD 15 million to fund the creation and equipping of a cardiac diseases and research center at Mubarak Al-Kabeer Hospital. The center, which is named the Kuwait Finance House Cardiac Diseases and Research Center, will be created according to highest quality standards in partnership with the Ministry of Health and all relevant stakeholders. KFH has also contributed to the construction of an addiction treatment hospital worth KD 4.5 million. KFH also contributed KD 2 million to the Ministry of Social Affairs’ debt relief campaign, building on its previous contribution that exceeded KD 20 million to settle insolvent individuals’ debts in coordination with the Ministry of Justice. KFH continues its exceptional efforts in the Keep It Green campaign, which serves as an umbrella for all other programs and projects focused on environmental protection and awareness, sustainability, and green initiatives. The Bank also implemented several initiatives in cooperation with the Scientific Center and saved over 1.5 million papers compared to last year as part of its digital transformation and environmental initiatives. KFH cooperated with the Green Dream Team in the greening of chalets on Al Zour Road. It also provided societal and environmental support for Sheikh Sabah Al-Ahmad Natural Reserve, aiming to safeguard its wildlife. As part of its sustainability leadership, KFH participated in the sixteenth session of the Conference of the Parties (COP16) to the United Nations Convention to Combat Desertification (UNCCD), held in Riyadh. The Bank also signed the first-of-its-kind Global Takaful Alliance agreement with the United Nations Development Programme (UNDP).

KFH Tops Kuwaiti Banks in Harvard Executive Development Program
In line with its ongoing leadership in empowering national talent and its commitment to investing in future banking leaders, Kuwait Finance House (KFH) celebrated the graduation of a new cohort of employees who successfully completed the Harvard Executive Leadership Development Program, part of the "Kafa'a" initiative—a collaboration between the Central Bank of Kuwait (CBK) and Kuwaiti banks. KFH topped the banking sector with the highest number of participants (10 employees), underscoring its dedication to human capital development and enrolling them in advanced and internationally recognized programs. The Harvard program, launched in 2010 in collaboration with Harvard Business School, is the first of its kind in the Gulf region. This year`s session, titled “Strategic Leadership in the Age of Financial Sustainability”, covered two primary themes: “Financial Strategy” and “Leadership”. The edition also focused on the crucial role of leadership and management in forming and implementing financial and technical strategies to navigate challenges. Spanning six intensive days, the program addressed the evolving demands of digital transformation in the financial sector. Distinguished faculty members from Harvard Business School delivered sessions that equipped participants with leadership and managerial skills to navigate rapid developments in this field. During the trainees` honoring ceremony, Acting Group Chief Human Resources and Transformation Officer Ahmad Alhammad emphasized that KFH`s participation in the program`s 16th session, with the largest employee representation, underscores its commitment to fostering national leaders and upholding Islamic banking excellence on both local and global fronts. He congratulated the graduates on their dedication to self-development and honing their skills. He added that KFH remains focused on investing in banking leaders and empowering its workforce with the best global practices to maintain KFH’s leadership in the Islamic finance globally. Alhammad pointed out the positive impact of this program and other training initiatives on participants, their teams, and the Bank overall. He added, "Exchanging the experience gained from this program is important as it helps improve the workplace environment, motivates employees, and boosts their productivity levels." He reaffirmed KFH’s commitment to offering training and development programs across the Group, in collaboration with top-tier universities and global training institutions.

KFH Receives Banking Excellence Award
Kuwait Finance House (KFH) received the Banking Excellence Award as part of its participation in the Kuwait Builders Summit 2025 (KBS). The summit was held under the patronage and in the presence of the Minister of State for Municipal Affairs and Minister of State for Housing Affairs, Abdul Latif Al Mashari. The award was based on specific criteria including quality, financial solvency, innovation, sustainability, and social responsibility. These criteria were determined for selecting the winners by an independent jury comprising a distinguished panel of academics, professionals, and consultants from various sectors. KFH Head of Public Relations and Media, Yousef Abdullah Al-Ruwaieh received the award from Minister Abdul Latif Al Mashari, who commended KFH’s excellence, noting that the award is a well-deserved recognition for its developmental contributions, significant economic role, and well-established reputation. KFH’s participation in the Kuwait Builders Summit 2025 reflects its prominent economic position and pivotal role in financing and financially empowering construction projects, as well as its standing in promoting green economy. It also underscores KFH’s commitment to participating in events that highlight Kuwait’s position as a leading destination for development and an attractive investment environment. The summit promotes sustainable construction sectors, such as green buildings, renewable energy, digital transformation, and public-private partnerships. It also contributes to enhancing the private sector’s competitiveness and raising standards of quality and efficiency. Green finance product KFH’s participation has also granted the Bank the opportunity to showcase its innovative financing solutions in the construction sector, including its Green Finance Product, launched to support sustainable building efforts, and aligning with the summit’s theme. The green finance product offers financing of consumer and housing products (green products) that contribute to the preservation of natural resources and the harnessing of renewable energy. The product is offered in collaboration with leading companies in this field, providing customers with a comprehensive, reliable, and environmentally responsible service throughout all construction phases. It also reflects KFH’s ongoing efforts to integrate sustainability into its financial transactions. Global recognition In recognition of its excellence in sustainability, KFH received various global awards. These include the GSAS – Gold Level Certificate for KFH Auto building. This certificate is normally granted to projects compliant with strict environment sustainability standards. KFH is the first bank in Kuwait to receive this certification. KFH has also been awarded an "A" rating by MSCI ESG index and has been included in the FTSE4Good Index Series. The first-of-its kind in Kuwait It serves to note that the Kuwait Builders Summit 2025 is the first of its kind in Kuwait, bringing together decision makers to exchange expertise and highlight mega construction and infrastructure projects, in addition to showcasing the latest developments in the building industry. The summit also highlights Kuwait’s outlook for major development initiatives in line with Kuwait Vision 2035.

KFH Holds Q1-2025 Earnings Webcast
Kuwait Finance House (KFH) held the earnings webcast for highlighting the Group’s financial performance and results during Q1-2025. The webcast was attended by KFH Group Chief Executive Officer, Khaled AlShamlan, Group Chief Strategy Officer, Eng. Fahad Al-Mukhaizeem, and Acting Group Chief Financial Officer and General Manager Investments, Planning and Reporting, Yameen Abdulsattar. KFH Group Chief Executive Officer, Khaled AlShamlan commenced the meeting by shedding light on the Bank’s financial performance for Q1-2025. He said: “By the grace of Allah, KFH has reported a net profit to the shareholders of KD 168.1 million for Q1 2025, representing an increase of 3.2% compared to the same period last year. Earnings per share reached 9.77 fils for Q1 2025, an increase of 3.1% compared to Q1 2024. Net financing income for the quarter reached KD 318.9 million, reflecting growth of 21.1% compared to the same period last year. Total operating income also saw a significant rise, reaching KD 454.9 million, with an increase of 15.9% compared to Q1 2024. Financing receivables as of the end of Q1 2025 stood at KD 19.3 billion, while total assets amounted to KD 36.9 billion. Shareholders' equity reached KD 5.5 billion, and depositors' accounts totaled KD 19.5 billion. Additionally, our capital adequacy ratio remained strong at 19.38%, well above regulatory requirements, underscoring the robustness of our financial position. Alshamlan pointed out that KFH’s financial performance demonstrates its consistent ability to grow profits sustainably. This success validates the effectiveness of KFH’s efforts at every level in attaining its objectives. He added that KFH continued to execute its strategic objectives, delivering sustainable and high-quality profits despite a complex operating environment. Our expansion abroad has gained significant momentum, transforming KFH into a global banking entity with a presence in eight countries, including Kuwait, Bahrain, Turkey, Egypt, the UK, and Germany. This growth is supported by an extensive network of over 600 branches, reinforcing our position as a leader in Islamic finance. AlShamlan indicated that KFH also maintains its leadership as the largest bank listed on Boursa Kuwait, with a market capitalization exceeding KD 13 billion. KFH newly launched "Beyond Horizons" visual identity reflects the bank`s substantial growth, achievements, global reach, and future ambitions. This new identity also underscores KFH`s ongoing commitment to technological advancement, digital innovation, and its leading position in Islamic finance. KFH remains steadfast in supporting the Kuwaiti economy, especially through financing for corporates, SMEs, and infrastructure projects. We hold the largest SME financing portfolio in the market, demonstrating our commitment to fostering economic growth and job creation. Additionally, KFH further diversified its funding sources by successfully issuing a 5-year, $1 billion Senior Unsecured Sukuk under the $4 billion Sukuk Program. This issuance strengthens KFH’s long-term liquidity and supports infrastructure projects, productive economic sectors, and customer expansion plans. In line with our sustainability goals, KFH Capital remains at the forefront of green Sukuk initiatives, reinforcing our commitment to sustainability and ESG standards. Our investments in green finance continue to grow, aligning with global efforts to combat climate change and promote responsible banking. AlShamlan said:” Our efforts in sustainability have been recognized globally, including our inclusion in the FTSE4Good Index and an "A" rating from MSCI ESG Index. KFH is dedicated to enhancing customer experience through innovative digital solutions. Our platforms, including KFHOnline, and XTMs offer over 200 electronic services, from instant card printing to QR code-based withdrawals. These advancements ensure seamless, secure, and competitive banking for our customers. Our employees remain at the heart of our success. Through initiatives like the "Innovation Challenge" and comprehensive training programs, we continue to invest in their development, empowering them to drive innovation and excellence.” AlShamlan pointed out that beyond finance, KFH continues to lead in social responsibility. KFH advanced its pledge of KD 15 million to establish a cardiac center at Mubarak Al-Kabeer Hospital in partnership with the Ministry of Health. KFH also contributed KD 2 million to the Ministry of Social Affairs’ debt relief campaign, building on our previous KD 20 million initiative to settle insolvent individuals’ debts in coordination with the Ministry of Justice. These efforts reflect the Bank’s commitment to social well-being and sustainable development. AlShamlan added that KFH's exceptional performance has been acknowledged with approximately 15 prestigious awards in 2025, including "Best Islamic Bank in the Middle East" and "Best Bank in Kuwait" from EMEA Finance Magazine. These awards reflect our commitment to excellence, sustainability, and leadership in the banking sector. Additionally, KFH attained ISO 22301 certification for its Business Continuity Management Systems (BCMS), reflecting the bank`s readiness to face potential risks. He concluded: “As we move forward, we remain focused on sustainable growth, innovation, and delivering value to our stakeholders. With our solid financial foundation and strategic vision, KFH is well-positioned to achieve even greater milestones in the coming years.” Eng. Fahad Al-Mukhaizeem, Group Chief Strategy Officer Meanwhile, Group Chief Strategy Officer, Eng. Fahad Al-Mukhaizeem shared insights into Kuwait’s economic landscape and KFH’s strategic progress in the first quarter. He said: “Kuwait’s economy remains resilient amid global uncertainties. The IMF projects real GDP growth to recover to 2.6% (reaching KWD 40.7 billion at constant prices in 2025). The oil sector is projected to grow by 3.1%, driven by an easing of OPEC+ cuts, boosting oil production and export revenues. The non-oil sector is anticipated to grow by 2.1%, fueled by fiscal stimulus driving significant economic expansion. Kuwait’s average crude oil export price closed at USD 77.99 per barrel at the end of March 2025, down 9.7% from last year. Despite this decline, it supports a stable economic foundation as Kuwait advances its diversification efforts. Inflation has eased to an average annual rate of 2.4% in 2025, down from 3% in 2024 reflecting the Central Bank of Kuwait’s effective monetary policies, which balance price stability with economic growth. Looking ahead, Inflation is expected to remain subdued and will be shaped by a mix of domestic and global factors, including oil market dynamics, monetary policy, fiscal strategies, and external economic conditions including the trade war.” Al-Mukhaizeem pointed out that in September 2024, the Central Bank of Kuwait lowered the discount rate by 25 basis points to 4.00%. This move has fostered credit growth and investment, further fueling economic expansion. Kuwait’s strong credit ratings—A+ from Standard & Poor’s, A1 from Moody’s, and AA- from Fitch, all with stable outlooks—reinforcing its appeal to global investors. He added that the recently introduced Public Debt Law is expected to enhance Kuwait’s economic flexibility by enabling the government to fund strategic development projects and advance diversification efforts. For banks, including KFH, it opens new avenues to develop innovative Sharia-compliant investment products, expand lending portfolios, and boost revenues through managing these financial instruments. This reform underscores Kuwait’s commitment to fostering a dynamic business environment, driving sustainable growth, and reinforcing confidence in our financial markets. Al-Mukhaizeem mentioned that the capital market performed strongly in Q1 2025. Boursa Kuwait’s market capitalization grew by 10.8% year-on-year to KWD 47.8 billion, with traded volume surging 69.3% to 24.3 billion shares. In this vibrant market, KFH remains the largest listed company, with our market capitalization rising 8.9% to KWD 13.2 billion. This performance reflects confidence in our strategic direction and ability to deliver consistent results. In 2025, Kuwait’s economic strategy is expected to make bold strides to reduce reliance on oil through targeted reforms and investments. Key sectors like financial services, technology, logistics, and tourism are emerging as pillars of a diversified economy. How is KFH contributing to this transformation? Our focus on innovative financial products and digital solutions aligns closely with these goals, supported by regulatory reforms that streamline licensing and strengthen investor protections. Al-Mukhaizeem said: “at KFH, we have built on our strong 2024 performance with an excellent start to 2025. Our strategy emphasizes strengthening our financial position, expanding digital capabilities, and growing our global footprint. Our diversified business model, blending robust domestic performance with strategic international expansion, continues to drive success. Looking ahead, we are confident in navigating the evolving economic landscape. Our strong capital base, diverse revenue streams, and investments in technology and talent position us to seize new opportunities. KFH remains committed to pioneering Sharia-compliant solutions that meet our customers’ needs while supporting Kuwait’s economic diversification.” Acting Group Chief Financial Officer and General Manager Investments, Planning and Reporting, Yameen Abdulsattar Meanwhile, Acting Group Chief Financial Officer and General Manager Investments, Planning and Reporting, Yameen Abdulsattar, presented the financial performance of KFH group for the first quarter of 2025. Abdulsattar said that the Group has achieved Net Profit After Tax attributable to Shareholders of KD 168.1mn higher by KD 5.3mn or 3.2% compared to Q1-24 of KD 162.8mn. The higher profit is mainly from an increase in total operating income. Partly offset by an increase in operating expenses and provision charge. Financing income has increased by KD 73.6mn or 10.9% compared to same period last year mainly due to an increase in yield. Net financing income at KD 318.9mn increased by KD 55.5mn or 21.1% compared to same period last year mainly due to an increase in financing income by KD 73.6mn offset by increase in finance cost and distribution to depositors by KD 18.1mn. Abdulsattar mentioned that the contribution of net financing income to operating income increased from 67% in Q1-24 to 70% in Q1-2025 due to an increase in net financing income. Group NFM for Q1-2025 at 3.44% is higher by 55bps compared to Q1-2024. Average yield improved by 99bps while the average COF also increased by 44bps. This is the result of both the impact of rate changes and the repricing of assets and liabilities during the period. Abdulsattar pointed out that the Group total impairment charge increased by KD 23.9mn compared to Q1-2024. KFH cautious approach towards provisioning have contributed to financing provision balance exceeding ECL required as per CBK IFRS 9 guidelines by KD 552mn as of 31 March 2025. Application of IAS-29 on the financial statements of Kuvyet Turk resulted in recognition of net monetary loss of KD 42.1mn in the current period, lower by KD 9.4mn compared to Q1-2024 due to lower rate of inflation in Turkey. Abdulsattar pointed out that the Total Assets at KD 36.9bn increased by 0.4% in Mar-2025 compared to Dec-2024. Net financing receivables at KD 19.3bn increased by 1.1% compared to Dec-2024 mainly on account of the increase in corporate portfolio. Investments in debt securities at KD 6.9bn have increased by 1.4% compared to Dec-2024. Additionally, deposits for Q1-2025 at KD 19.5bn have increased by 1.3% compared to Dec-2024 mainly due to an increase in CASA deposits. The contribution from CASA deposits to total group customer deposits as of 31 Mar-25 was 45.5%. On an overall basis the group continues to benefit from a large pool of low-cost deposits.