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In the news..
KFH Reports Net Profit Attributable to the Shareholders of KD 168.1 million for Q1 2025
Chairman of Kuwait Finance House (KFH) Hamad Abdulmohsen Al Marzouq announced that KFH achieved a net profit of KD 168.1 million for the first quarter of 2025 for shareholders, representing an increase of 3.2% compared to the same period last year, and an increase of 41.4% compared to the fourth quarter of last year. Earnings per share for the first quarter of 2025 reached 9.77 fils; an increase of 3.1% compared to the same period last year. Net financing income for the first quarter of the year reached KD 318.9 million; an increase of 21.1% compared to the same period last year. Total operating income for the first quarter of the year increased, supported by an increase in all core activities to reach KD 454.9 million; an increase of 15.9% compared to the same period last year. Net operating income for the first quarter of the year reached KD 295.7 million; an increase of 19.4% compared to the same period last year. Financing receivables increased as of the end of the first quarter of 2025 to reach KD 19.3 billion; an increase of 1.1% compared to the end of last year. Total assets increased as of the end of the first quarter of 2025 to reach KD 36.9 billion; an increase of 0.4% compared to the end of last year. Shareholders’ equity amounted to KD 5.5 billion at the end of the first quarter of 2025. Depositors’ accounts increased as of the end of the first quarter of 2025 to reach KD 19.5 billion; an increase of 1.3% compared to the end of last year. In addition, the capital adequacy ratio reached 19.38% which is above the limit required by regulators. This ratio confirms the solid capital base of KFH. Sustainable profits In a press release, Al Marzouq stated that KFH`s Q1 2025 growth in key financial indicators demonstrates the successful execution of the strategy approved by the bank`s Board of Directors. He further noted that this performance, achieved despite a complex operating environment and market shifts driven by regional and global economic developments, underscores the strength of KFH`s comprehensive and integrated business model. Al Marzouq added that the growth in all key financial indicators and balance sheet items confirms KFH`s progress in generating higher-quality and sustainable profits. Al Marzouq highlighted 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. These objectives include boosting profitability, sustaining high growth, rationalizing expenses, elevating service quality, embracing technology and digitization, and enriching customer interactions through well-defined and carefully managed approaches, rigorous and measurable professional standards, and the capacity for prompt and effective responses to market changes. Furthermore, these efforts take into account increasing competition and evolving customer expectations. He also commended the experienced management for their skill in navigating the business environment and boosting confidence in the bank. Giant banking entity Al Marzouq explained that the expansion abroad had gained significant momentum and brought about a qualitative transformation in KFH`s growth strategy, turning it into a substantial banking entity with a presence in eight countries worldwide. These notably include Kuwait, Bahrain, Egypt, Turkey, the UK, and Germany, supported by an extensive network of over 600 branches. He also noted that KFH continues to lead all banks and companies listed on Boursa Kuwait, with a current market capitalization near to KD 13 billion. "KFH`s recently 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," he added. Supporting the national economy Underscoring KFH`s pioneering position, Al Marzouq stated that the bank will maintain its support for the Kuwaiti market and national economy. This includes providing financing to corporates within established credit guidelines, as well as its continued focus on corporate banking, corporate and retail financing. KFH actively collaborates with relevant authorities to support and finance small and medium-sized enterprises (SMEs). Recognizing the vital role of these businesses in Kuwait`s economy, job creation, and youth employment, KFH holds the largest SME financing portfolio in the market by the number of beneficiaries. Green Sukuk Al Marzouq highlighted KFH`s ongoing commitment, via its investment arm KFH Capital, to issue more Sukuk for both governments and companies globally. He also stressed a particular focus on green Sukuk, aligning with KFH`s broader strategy for sustainability and the adoption of ESG standards. Social leadership Highlighting KFH`s significant societal impact, Al Marzouq noted the progress achieved through numerous strategic social contributions recently. Key initiatives include a KD 15 million pledge to establish a cardiac center at Mubarak Al-Kabeer Hospital in partnership with the Ministry of Health, and a KD 2 million donation to the Ministry of Social Affairs` debt relief campaign. Previously, KFH also contributed over KD 20 million to settle insolvent individuals` debts in collaboration with the Ministry of Justice. KFH Group Chief Executive Officer, Khaled Yousef AlShamlan Solid financial position KFH Group Chief Executive Officer, Khaled Yousef AlShamlan stated that the Q1 2025 financial indicators demonstrated balanced performance and significant financial strength, showing notable improvements in solvency and growth compared to the same period last year. He added that increased and diversified operating income, along with solid performance across most balance sheet items, highlight the Group`s creditworthiness, reliability, and diverse avenues for future growth and expansion. Diverse financing streams AlShamlan highlighted the successful issuance of a 5-year, US$1 billion Senior Unsecured Sukuk under KFH`s US$4 billion Sukuk Program. This issuance aims to finance KFH`s operations and diversify its funding sources. Furthermore, it will enable KFH to increase its financing and investment capabilities, support infrastructure projects and local productive economic sectors, and assist customers with their regional and global expansion plans. Qualitative digital solutions AlShamlan stated that KFH is focused on increasing its market share and improving service quality by consistently offering qualitative and competitive digital solutions through KFHOnline (both mobile and web), XTMs, and KFH Express. He detailed that KFH offers about 200 electronic services, including online payments, online account opening, instant printing of all bank card types, gold trading, opening deposit and account, instant cheque and card printing, and QR code-based cardless withdrawals via mobile, along with many other financing and banking services that are quick, simple, and secure. Human resources are central to achieving success "KFH underscores the paramount importance of its employees, actively working to boost their skills, performance, and academic and professional growth. Viewing them as central to its success, KFH remains committed to fostering their innovation in services and solutions that improve customer experience, exemplified by the annual "Innovation Challenge". Moreover, to foster employee development, KFH offers educational scholarships alongside extensive in-class and online training programs. KFH also focuses on nurturing Kuwaiti youth for leadership roles, empowering them to drive development," AlShamlan said. He pointed out that KFH is keen on empowering human talents and competencies, noting that the bank celebrated over 230 outstanding staff members at the 2024 Qadha program company. This program, the first of its kind in Kuwaiti banking, has recently earned global recognition with a Gold Medal from the prestigious Brandon Hall Group for Best Advance in Employee Recognition Program at the global level. Global recognition In appreciation of its exceptional efforts, AlShamlan said that KFH received global recognition, scooping around 15 awards for the current year from world-class entities and institutions. Most notable of these awards are: “Best Islamic bank in the Middle East” and “Best Bank in Kuwait” from EMEA Finance Magazine. Additionally, KFH attained ISO 22301 certification for its Business Continuity Management Systems (BCMS), reflecting the bank`s proactive capacities and preparedness to face potential risks, in addition to its sustainability in operations and operational efficiency. Thanks and appreciation AlShamlan commended the support of the Board of Directors, the Central Bank of Kuwait and the regulatory authorities for supporting the banking sector. He also praised the efforts of Executive Management, all employees, partners, and stakeholders for their key role and stressed the continuous efforts to maintain KFH`s leading position locally and globally.
KFH Group Concludes its Participation in AAOIFI 23rd Annual Shari’ah Boards Conference
A delegation of Sharia Supervisory representatives from Kuwait Finance House (KFH) Group recently concluded its participation in the 23rd AAOIFI Annual Shari’ah Boards Conference, which was organized by the Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI) in cooperation with the Central Bank of Bahrain and held in Bahrain. KFH`s participation stems from its keenness to develop the Islamic banking industry and to continue supporting the advancement of financial products and services in accordance with Shari’ah, as the conference is one of the most prominent gatherings of Shari’ah scholars and decision-makers to discuss various topics and developments in the Islamic financial industry worldwide. The participants expressed their appreciation for KFH`s valuable contributions. Furthermore, His Excellency Shaikh Ebrahim bin Khalifa Al Khalifa, Chairman of the AAOIFI Board of Trustees, honored the KFH Group delegation on the sidelines of the conference. This recognition also commended KFH Group for its pivotal role in the Islamic finance industry, both regionally and worldwide, and acknowledged the Group`s continuous and tireless efforts in advancing the Islamic financial services industry and expanding its scope, leadership, and success. The conference convened scholars, leaders, and experts in the Islamic finance industry, alongside senior officials from central banks and supervisory authorities. Across five panel discussions held over two days, the conference explored the Shari’ah aspects pertinent to the Islamic finance industry, focusing on Shari’ah governance frameworks for its institutions. The event also featured several live and virtual dialogue sessions where prominent figures in Islamic finance presented their visions for the industry`s development, addressing challenges in upholding Shari’ah principles in transactions and tackling current issues. Following this, four workshops were conducted, focusing on the governance and financial accounting standards issued by AAOIFI. KFH Group`s participation in the conference represented an opportunity to exchange ideas, visions, and concepts with leaders` specialists in the Islamic banking industry, and to review the most important issues and topics in Islamic banking that require practical solutions and applications, especially that the Islamic banking sector needs continuous research and development efforts to address various issues facing its development. AAOIFI, established in 1991 and based in Bahrain, is the leading international not-for-profit organization primarily responsible for development and issuance of standards for the global Islamic finance industry. It has issued a total of 100 standards in the areas of Shari'ah, accounting, auditing, ethics and governance for international Islamic finance. it is supported by a number of institutional members, including central banks and regulatory authorities, financial institutions, accounting and auditing firms, and legal firms, from over 45 countries. Its standards are currently followed by all the leading Islamic financial institutions across the world and have introduced a progressive degree of harmonization of International Islamic finance practices.
KFH Participates in the (Partners in Employing them) Initiative
As part of its leadership in social responsibility and commitment to supporting and empowering people with special needs, Kuwait Finance House (KFH) participated in the “Partners in Employing Them” career fair, organized in collaboration with the Public Authority for Disability Affairs (PADA). The two-day event was held at the Cultural Center of Kuwait University under the patronage and in the presence of Kuwait Minister of Social Affairs, Children and Family Affairs, Dr. Amthal Al-Huwaila. At KFH’s booth, a dedicated team from the Human Resources Recruitment Department explained the available employment opportunities for people with special needs. KFH is keen to participate in such initiatives to help employ this special segment into the banking sector and encourage them to be part of the workforce. KFH is committed to creating inclusive employment opportunities and launching various initiatives aimed at helping people with special needs join the job market. In collaboration with the Kuwait Society for the Handicapped (KSH), KFH annually recruits a group of individuals with special needs to train and work across different departments. This initiative, the first of its kind in the Kuwaiti banking sector, recently concluded its fourth edition, underscoring KFH’s leading role in sustainability and its dedication to the principles of inclusion and diversity. Believing in the importance of supporting all segments of society, KFH strives to foster talent development and provide the ideal environment for success. Additionally, the Bank is committed to enhancing the skills and capabilities of people with special needs, empowering them to integrate into society and acquire new professional skills. KFH continues to provide specialized services to customers with special needs across various levels, including sign language-trained staff at branches, designated parking spaces, wheelchairs, accessible entrances, ATMs equipped with accessibility features such as audio assistance, and Braille-printed account opening forms and contracts.
KFH: Banks and Licensed Entities Offer Safe Investment Options
In support of Diraya campaign, Kuwait Finance House (KFH) emphasizes the role of Kuwaiti banks in offering a diversified array of investment opportunities for customers wishing to grow their savings in a secure manner and under a regulated and clear framework. In a press release, KFH added that the investment options offered by local banks, under the regulations of the Central Bank of Kuwait (CBK), are a safe haven and a stable source for financial investments, along with other companies and official institutions licensed and subject to the regulatory authorities responsible for protecting the national economy and the investment sector. KFH pointed out that the secure investment services and products obviate the need for involvement in investment activities with unfamiliar entities that promise financial returns from fraudulent or high-risk projects. KFH also stated that banks are assisting individuals seeking to invest in their funds through a variety of investment tools and experienced employees subject to the regulations and guidelines of regulators. KFH explained that among these safe investment services the banks offer are investment deposits, investment funds, investment savings in addition to the long and short-term investment plans. Meanwhile, KFH warns customers against engaging in high-risk investments that are promoted by unregulated entities and are not subject to oversight by any supervisory authority fueled by the growing presence of shell companies and other online scammers that promote quick profits. KFH advises customers and investors to refrain from responding to advertisements, text messages and emails received from unknown sources. Additionally, the Bank also urges investors to seek advice from qualified experts before making any investment decisions.
