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In the news..
KFH Reports Net Profit Attributable to the Shareholders of the Bank of KD 342.1 Million for H1 2025
Chairman of Kuwait Finance House (KFH) Hamad Abdulmohsen Al-Marzouq announced that KFH achieved a net profit of KD 342.1 million for the first half of 2025 for the Bank shareholders. Earnings per share for the first half of 2025 reached 19.23 fils. Net financing income for the first half of the year reached KD 607.3 million; an increase of 8.7 % compared to the same period last year. Total operating income for the first half of 2025 increased, supported by the increase in all core activities to reach KD 876 million; an increase of 6.4 % compared to the same period last year. This growth is particularly notable given that the comparative income for 2024 included profits of KD 70.1 million from the sale of KFH-Bahrain during Q2 2024. Net operating income for the first half of the year reached KD 566.7 million; an increase of 7.9 % compared to the same period last year. The cost-to-income ratio for H1-25 improved to 35.3% compared to 36.2% for the same period last year. Financing receivables at the end of the first half of 2025 reached KD 20.4 billion, an increase of 7.1 % compared to the end of last year. Total assets at the end of the first half of 2025 amounted to KD 38.5 billion, an increase of 4.9% compared to the end of last year. Shareholders’ equity for the same period amounted to about KD 5.6 billion, an increase of 0.8% compared to the end of last year. Depositors' accounts for the first half of 2025 amounted to KD 19.7 billion, an increase of 2.7% compared to the end of last year. In addition, the capital adequacy ratio reached 18.01 % which is above the limit required by regulators. This ratio confirms the solid capital base of KFH. The Board of Directors has agreed to distribute a semi-annual cash dividend of 10 fils per share. Outstanding performance In a press release, Al-Marzouq said that KFH continues to lead the banking sector and the Kuwaiti market in profitability. This remarkable achievement comes despite the challenging operating environment and geopolitical shifts in the region, which have brought uncertainty to the economic landscape. He emphasized that KFH's success stems from precisely implemented plans that ensure sustainable profits and maintain KFH’s solid financial position and robust performance. Al-Marzouq also highlighted the strength of KFH's financial statements for the first half of this year, which showcase a strong capital base, good liquidity ratios, and exceptional operational performance. These factors have collectively driven sustainable growth across all key financial indicators. Operational efficiency Al-Marzouq emphasized that KFH continues to boost its operational efficiency, increase revenues, and optimally use its capabilities in line with global standards. This approach will improve asset quality, enhance risk management, and help the bank rationalize expenses, especially as it navigates the current global financial landscape and the competitive financial services industry. Coordination and integration He added that KFH is working to achieve great ambitions by maximizing the effectiveness of the Group's banks and fostering seamless coordination and integration among. This approach guarantees increased revenues and improved performance, while also leveraging the unique potential and advantages of each market. New chapter Al-Mazrouq said that KFH successfully launched the new visual identity for Ahli United Bank - Bahrain, rebranding it as Kuwait Finance House – Bahrain. This move complements a series of achievements realized under the new brand slogan, "Beyond Horizons". He explained that this series began in Kuwait, subsequently extending to the United Kingdom and the Arab Republic of Egypt. "This initiative is part of KFH's strategy for expansion and global leadership as an Islamic banking group." He emphasized that the new brand launch reflects a shift in vision and concept, marking the beginning of a new chapter of integration and excellence in banking services. Financing and Development Al-Marzouq highlighted KFH's continued dedication and ability to fund large-scale projects in all sectors, including production, service, commercial, and development. By offering a diverse range of financing services and solutions, KFH actively supports the government's comprehensive development plans. He highlighted the bank's strengths, which position it as one of the most trusted and preferred institutions for corporate financing. KFH also enjoys a substantial market share in financing small and medium-sized enterprises (SMEs) within Kuwait's banking sector. Furthermore, the bank is keen to fund numerous large-scale projects, utilizing flexible and efficient Sharia-compliant financing structures. This has established KFH as the preferred partner and lead arranger for many major joint financing deals. Training and promotion Al-Marzouq said that KFH is steadfast in its commitment to nurturing national talent and developing future leaders. Through ongoing training and development programs, partnered with local institutions, universities, and international centers, the bank aims for peak operational efficiency and productivity. This dedication recently saw several national employees advance to senior leadership roles across various departments. CSR & Sustainability Al-Marzouq noted that KFH's social impact grew significantly last year, thanks to its involvement in many key strategic social initiatives. These efforts highlight the crucial role KFH plays in society, alongside its leading position in the economic, developmental, and banking sectors. He highlighted how KFH has created a pioneering and role model for embedding sustainability principles across its entire group. "KFH has seen remarkable success in green financing and implementing a comprehensive sustainability strategy that's central to its mission and vision. The bank is further strengthening its commitment by adopting integrated, comprehensive, and balanced practices in the key areas of sustainability: environmental, social, and governance (ESG)." Al-Marzouq explained that KFH was the first entity to start publishing impact measurement reports, and it annually releases both a Sustainability Report and a Carbon Footprint Report. KFH has been awarded an "A" rating by MSCI. Additionally, KFH has been included in the FTSE4Good Index Series for its exemplary performance in environmental, social, and governance (ESG) practices. Sound financial indicators Meanwhile, KFH Group CEO, Khaled Yousef Al-Shamlan, said that the bank's H1 2025 profits confirms its robust operational performance and leading position in the Kuwaiti banking sector. He noted that the financial performance for this period reflects prudent strategies and effective policies that consistently yield sustainable profits, solid financial position, asset quality, and good indicators for operating income, cost to income ratios as well as liquidity ratios, and capital adequacy. Global leadership AlShamlan said that "KFH ranked first as the best-performing bank in Kuwait, according to The Banker magazine's 2025 ranking of the top 1,000 global banks. KFH has maintained its position as Kuwait’s largest listed company, in Forbes’ Global 2000 list for the largest public companies in the world, reinforcing its standing using four metrics, revenues, profits, assets and market value." He pointed out that KFH has won numerous international awards, including "The Middle East's Best Islamic Bank" and "Kuwait's Best Bank" from Euromoney. KFH was also named "Best Bank for Financial Institutions in the Middle East for 2025" by Global Finance, in recognition of its excellence and distinction in banking. Growing market share AlShamlan emphasized KFH's ongoing drive to boost market share by offering competitive products, services, and cutting-edge financing solutions, such as Financing Against Gold Account Collateral. He also highlighted the continuous effort to strengthen KFH's presence in international markets, improve coordination among the Group's banks, and enhance customer service through the KFH Group Service Center. Currently, this center supports KFH-Turkey and KFH-Egypt, with plans to extend its services to other Group banks in the coming period. AlShamlan attributed the bank's sustained leadership to its vast experience and large customer base, which collectively reinforce its competitive edge and brand strength. Digitalization and innovation AlShamlan also noted that KFH continues to lead digital innovation in banking, offering diverse digital services and solutions to elevate customer experience. He added that KFH launched (Fahad), Kuwait's first virtual assistant employee powered by artificial intelligence. This coincides with a comprehensive update and redesign of the KFHOnline app, now offering over 200 digital banking services to meet high customer demand. KFH also introduced the KFH Virtual Rewards Prepaid Card as a unique payment experience, alongside updated customer software. Additionally, a new, secure, and easy payment service for businesses was rolled out, transforming mobile phones into point-of-sale devices for accepting payments via debit cards and digital wallets. He noted that KFH's successful digital transformation showcased the bank and its employees' capabilities to harness global technological advancements and apply them to customer service through innovative approaches and creative efforts. He stressed that customers are the top priority, and their satisfaction is key to achieving the bank's strategic goals.
KFH Adopts Advanced AI Technologies to Enhance Customer Experience
As part of its ongoing leadership in digital transformation and the adoption of AI and technology innovation, Kuwait Finance House (KFH) has launched a suite of advanced smart solutions in its Contact Center that leverage AI technologies. This initiative aims to enhance customer experience, boost operational efficiency, and improve service quality according to the highest global standards. KFH Deputy General Manager Digital and Alternative Channels, Meshal Alobaid, said that this step is part of KFH’s continuous efforts to provide a state-of-the-art and an intelligent banking environment that caters to customers’ aspirations. He stressed the significance of investing in modern technologies as a key element in KFH’s digital leadership journey. He added: “At KFH, we remain steadfast in adopting the best technological solutions that allow us to gain deeper understanding of customers’ experience and elevate performance quality within the contact center. This ensures prompt and professional handling of all inquiries and services.” Speech Analytics Alobaid pointed out that KFH implemented Speech Analytics, an advanced solution that converts telephone calls into accurate, searchable text. This offers precise insight into calls by evaluating keywords, categorizing topics, and analyzing the dominant sentiment of customer emotions and tone (positive, negative, or neutral) to assess satisfaction or frustration levels, in addition to providing automatic call summaries. He explained that the system monitors frequent topics like complaints and inquiries and evaluates employees against approved procedures, supporting a comprehensive digital service quality assessment. Alobaid added, "It also accurately covers all customer interactions, providing deeper insights for decision-makers." Automated Quality Management Alobaid further noted that KFH has also rolled out the Automated Quality Management system. “This system evaluates calls automatically and comprehensively according to pre-approved standards,” he explained. “It ensures efficient coverage of all calls, enabling the detection of trends and more in depth performance analysis compared to traditional methods.” He added that this system fosters a culture of continuous improvement by enhancing the First Call Resolution process. It empowers employees to address customer inquiries more efficiently through precise, targeted feedback. Consequently, the system reduces the need for repeated calls and boosts overall customer satisfaction. Digital leadership and advanced banking experience These initiatives highlight KFH's commitment to providing a comprehensive banking experience driven by innovation and technology, always placing the customer at the core of its operations. This proactive strategy acknowledges the rapid shifts within the banking sector and reinforces the bank's dedication to sustained excellence. It serves to note that KFH has recently launched a comprehensive update to its KFHOnline app. The new update features a sleek modern design with smart banking features, aligning with the Bank’s commitment to offering integrated digital solutions that meet customer expectations. In 2024 alone, over 400 million banking transactions were carried out through KFH’s various digital channels. KFH's smart branches (KFH Go) and e-channels offer innovative solutions including electronic payments, account opening, instant card printing, and self-service devices. They even facilitate gold buying and selling, showcasing KFH's commitment to providing unlimited, highly efficient, and flexible electronic services. KFH is steadfast in its investment in cutting-edge digital solutions. These initiatives are pivotal for optimizing operational efficiency, enriching customer experiences, and reinforcing its standing as a leader in providing intelligent banking services of global standards.
KFH Achieves Breakthrough in Banking Services and Digital Transformation
In an exclusive interview on Kuwait TV's "Masa`a Alkhair Ya Kuwait," Kuwait Finance House (KFH) highlighted its leading banking services and solutions within the Islamic banking sector. Beyond its role as a sector landmark, KFH is also Kuwait's largest bank, the largest private sector company listed on Boursa Kuwait, boasting a market capitalization of over KD 14 billion, and the second-largest Islamic bank globally. KFH recently launched a diverse suite of unique banking services and products designed to enhance customer experience. These offerings reflect KFH's leadership and vision, which are driven by sustainability, innovation, and digital excellence, all under the slogan "Beyond Horizons". Group Service Center During the interview, KFH Deputy General Manager Products, Nehal Al-Musallam, discussed key pillars of the bank's strategy: digital transformation, the adoption of artificial intelligence, and integration and interconnection across the Group's banks. She highlighted the launch of the KFH Group Service Center at Mishref branch, which serves both KFH-Turkey and KFH-Egypt. "This initiative aims to fulfill customer needs and deliver a comprehensive banking experience," Al-Musallam noted, adding, "This is merely the start, with plans to expand to other countries within the group in the future." Al-Musallam also mentioned that the center provides a variety of services tailored to customer needs. These include streamlining account opening and updating personal and banking information for seamless service. Additionally, it offers technical support for activating and using the banking applications for both KFH-Turkey and KFH-Egypt, allowing customers to easily and securely access accounts and conduct transactions. First Kuwaiti bank to open gold account Al-Musallam explained that the gold account, first launched by KFH in 2013, has significantly evolved over the years. Customers can now open a gold account and conduct gold buying and selling transactions 24/7 through all KFH sales channels, including ATMs, bank branches, and KFHONLINE. Additionally, customers benefit from KFH’s complimentary safe deposit box service. Gold Gift Service She also highlighted the launch of KFH's Gold Gift service via KFHOnline. "This feature allows Gold Account holders to conveniently send gold as a gift, accompanied by a personalized congratulatory message chosen from the KFHOnline app's selection. Recipients can easily claim their gold gift through a link provided by the sender. Additionally, the recipient can keep the gift in their gold account or convert it to cash," she added. Financing against gold account collateral Al-Musallam added that KFH launched the first financing product of its kind in Kuwait, offering financing against gold account collateral. "By allowing customers to access the value of their gold holdings without selling them, this new financing solution enhances the customer experience and accommodates their needs," she explained. Emergency Cash Al-Musallam highlighted KFH's Emergency Cash service, a standout offering designed to meet customer needs, especially during the summer and holiday season. This service is ideal for those requiring immediate amount for travel expenses before their salaries are deposited. Customers can instantly access KD 100 to KD 2,000, depending on their salary, with repayment due the next month. The service is free and conveniently accessible via the KFHOnline app. Virtual card KFH Deputy General Manager Cards, Talal AlArbeed, highlighted the Virtual Card, a new prepaid card designed to offer a unique, easy, and secure payment experience. The virtual KFH Rewards prepaid card is available 24/7 to all KFH customers directly through the KFHonline app. This card allows customers to earn unlimited points from the KFH Rewards program, plus cashback on purchases, maximizing the benefits of every transaction. Eco-friendly card AlArbeed revealed that this card provides flexible payment methods tailored to customers’ needs when shopping online, paying bills, or making in store purchases. "The card also helps reduce plastic waste by replacing traditional cards with virtual ones, which ultimately benefits both the community and the environment. This also minimizes paper consumption when customers request the card online and lowers emissions by eliminating the need for vehicle-based card delivery." Digital wallets Regarding digital wallets, AlArbeed highlighted that KFH offers payment solutions compatible with Apple Pay, Google Pay, Fitbit Pay, Garmin Pay, and Samsung Pay. He noted that this service provides an easier and faster alternative to physical cards or cash, with the flexibility to add debit, credit, and prepaid cards to these digital wallets. Fahad, Kuwait's First AI-Powered Virtual Employee Meanwhile, KFH Executive Manager Digital Channels, Meshal Mandani, discussed Fahad, Kuwait’s first AI-powered virtual employee. Available 24/7 at KFH branch in The Avenues (Phase Four), Fahad explains KFH's services, answers questions quickly and accurately, and even guides customers on ATM usage. Driving innovation Mandani emphasized that the launch of Fahad is a novel initiative to drive innovation at KFH. Additionally, this step is an extension of the Bank’s pioneering journey in digital transformation and adoption of AI. This significant progress has enabled KFH to provide a suite of high quality digital financial services and solutions while developing its digital channels, smart branches, and self service devices. 200 digital banking services Madani explained that KFHOnline offers over 200 banking services, including the WAMD service, online account opening, instant printing for all bank cards, and buying and selling gold, in addition to various e-payment solutions. He noted that in 2024 alone, customers completed over 400 million digital banking transactions. He further stated: "These figures clearly reflect the success and excellence KFH has achieved in digital transformation." KFHGo and KFH Mobi Mandani highlighted the widespread availability of ATMs, KFHGo smart branches as well as KFH Mobi vehicles, which are equipped with two advanced devices, a full function ATM and an instant card issuance device. He noted that KFHGo smart branches offers a comprehensive range of interactive banking services. Comprehensive update to KFHOnline Mandani explained that the KFHOnline app's comprehensive update includes a new landing page, which enables a smoother, more interactive user experience and easier access to various banking services. The update also presents the latest products and services tailored for app users. Additionally, it includes enhancements to the customer profile page, enabling users to view their banking tier details and enjoy exclusive benefits specific to each program. Users also get a glimpse of the advantages offered in other programs, such as new instant digital cards and the ability to manage ATM card usage limits. It serves to note that KFH remains steadfast in leading digital innovation and offering advanced financial solutions that meet customer needs. This commitment delivers a seamless banking experience and reaffirms the bank's excellence in executing its digital transformation strategy.
KFH warns against unverified online links
Kuwait Finance House (KFH) advises customers to stay cautious about a new phishing scam targeting their bank accounts and stealing their funds. KFH warning is part of its continuous support for Diraya campaign, which aims to promote banking awareness, in collaboration with the Central Bank of Kuwait (CBK) and the Kuwait Banking Association (KBA). In its press release, KFH stated that the new form of online scam involves sending a message with a suspicious link tricking victims to click the link to visit a particular website or participate in a survey. Once they click the link, their devices will be hacked, enabling the hacker to access and exploit their personal data for harmful purposes. KFH urged customers to stay vigilant and refrain from disclosing their personal information to requests received through e-mails, text messages, or phone calls, as they are attempts to obtain customers' banking information to steal their funds or data. KFH advised customers to be careful when receiving links as these links could lead to theft of sensitive banking information. The bank also recommended that customers protect their bank accounts by avoiding the storage of confidential information, such as card numbers or passwords, on their mobile phones. Additionally, customers were urged not to share their OTP with anyone and to log out of the bank's application or website promptly after finishing a transaction.
