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In the news..
KFH Issues KD 200 Million Sukuk
Kuwait Finance House (KFH) has announced the successful issuance of KD 200 million Additional Tier 1 (AT1) Mudaraba Sukuk, marking the first and largest Kuwaiti Dinar-denominated issuance in the domestic banking sector. The Sukuk were priced at 200 bps above the Central Bank of Kuwait’s (CBK) discount rate, equivalent to an annual expected profit rate of 5.50%. Investor demand exceeded the target issuance size by more than KD 275 million. The issuance was fully subscribed by domestic investors, primarily private banking and wealth management clients, and financial institutions. Chief Treasury Officer – Kuwait at KFH, Ahmad Eissa Al-Sumait, said that the successful completion of the Sukuk offering, which achieved full subscription in record time and attracted unprecedented demand despite ongoing regional developments, geopolitical tensions, and their implications for economic conditions and investor appetite regionally and globally, reflects investors’ strong confidence in KFH and underscores its credibility across financial institutions and capital markets. He added that the issuance highlights KFH’s prestigious market position, strong creditworthiness, operational efficiency, robust brand, and outstanding financial performance across key indicators. Al-Sumait explained that the issuance aims to strengthen KFH’s capital base, diversify funding sources, and enhance its ability to support development projects in Kuwait, particularly in infrastructure, energy, and other vital sectors, in line with the Bank’s growth and expansion strategy. He noted that KFH Capital and Kamco Invest acted as Joint Lead Managers for the issuance, commending their significant role in the successful execution of the transaction. He also expressed appreciation to investors for their confidence, as well as to all partners and stakeholders for their contributions to completing the issuance within a record timeframe and achieving an oversubscription level above the initial target. Al-Sumait emphasized that the Sukuk market holds strategic importance for KFH as one of the prominent financing instruments in global markets. He noted that investor appetite for Sukuk continues to grow due to their role in supporting corporate expansion plans and facilitating entry into new sectors. He further highlighted that Islamic finance instruments continue to strengthen their presence in global capital markets, as reflected in increasing international investor interest in Sukuk issuances. KFH Capital Chief Executive Officer - Abdullah Sulaiman Al-Haddad Meanwhile, KFH Capital Chief Executive Officer, Abdullah Sulaiman Al-Haddad said that the company successfully led the arrangement of the Sukuk issuance, which was oversubscribed, marking the first domestic issuance of its kind denominated in Kuwaiti Dinars. He added that KFH Capital, the investment arm of KFH Group, acted as Global Coordinator and Joint Lead Manager for the transaction, noting that the issuance witnessed strong demand from local investors. This reflects the growing recognition of Sukuk as a reliable and attractive financing instrument supporting the growth and expansion strategies of corporates, governments, and major development projects, while also demonstrating the high level of confidence in KFH and the strength of its financial position. Al-Haddad explained that the Sukuk are perpetual in nature and callable after six years from the issuance date. He added that the transaction builds on KFH’s successful track record, noting that KFH Capital recently arranged several issuances on behalf of the Bank, including a USD 850 million Mudaraba Sukuk issuance in November 2025 aimed at strengthening KFH’s capital base. He noted that KFH Capital was keen to secure balanced, diversified, and comprehensive coverage for the issuance in a manner that reinforces long-term relationships with investors and maximizes participation levels. Al-Haddad added that the issuance represents a valuable addition to KFH Capital’s track record in the Sukuk market and extends several successful transactions arranged by the company, supporting the continued growth and wider adoption of Sukuk instruments. He noted that this reflects the confidence issuers place in KFH Capital’s expertise, capabilities, and institutional strengths, while further reinforcing KFH Group’s leading role in arranging and managing major Sukuk issuances. He also commended the high level of coordination and cooperation among all parties involved in arranging and covering the issuance within a record timeframe and with a high degree of professionalism and commitment. He expressed hope that this successful transaction would encourage further corporate Sukuk issuances in Kuwait, enabling companies to benefit from this financing instrument while supporting national economic activity.
KFH Offers Eidiyah through Branches and Digital Channels
In line with its commitment to providing seamless banking services and sharing the joy of Eid Al-Adha with its customers, Kuwait Finance House (KFH) is offering new “Eidiyah” banknotes in various denominations. The service is available through KFHOnline app, KFH Go smart branches, and traditional branches across Kuwait, in addition to concierge delivery service for selected customer segments. KFH Executive Manager Digital Channels, Meshal Mandani explained that the bank is committed to keeping pace with digital transformation, reaffirming its leadership in providing innovative payment solutions and secure, flexible options for digital cash transfers. He added that customers will be able to send Eidiyah digitally starting from the first day of Eid Al-Adha through the KFHOnline app, using the WAMD service and KFH Pay links, which allow funds to be transferred quickly and conveniently. Mandani explained that the bank has completed its preparations to offer Eidiyah banknotes through all KFH branches across Kuwait, enabling customers to obtain new banknotes ahead of Eid Al-Adha. Customers will also be able to withdraw Eidiyah from KFH Go smart branches located in seven locations across Kuwait, starting Sunday, May 24, 2026 for three days. ATMs will dispense the most requested denominations: KD 1, KD 5 and KD 10. Mandani noted that KFH also offers an Eidiyah delivery service to Private Banking and Premium customers via their account managers. The service delivers the requested amounts in a manner that aligns with the prestige and privacy of these segments, meeting their specific needs for Kuwaiti Dinar banknotes.
KFH Unveils Annual Sustainability Report Reinforcing ESG Leadership
Kuwait Finance House (KFH) launched its Sustainability Report for 2025, marking a year of consolidation, resilience, and strategic progress for the Group. The report highlights KFH’s integrated sustainability and carbon footprint reporting across economic, environmental, social, and governance (EESG) dimensions, supported by oversight from the Board Governance and Sustainability Committee and dedicated sustainability functions across the Group. The report outlined that KFH has further strengthened its support for SMEs, recording a 2.8% increase in cash financing to KD 157.2 million, while its investment portfolio expanded by approximately 40% to reach USD 21.1 billion, reflecting a strategic focus on sovereign investments and high-quality liquid sukuk. It also highlighted the KFH’s continued advancement in green and sustainability sukuk investments, with USD 1.221 billion allocated to sustainable and green sukuk—reflecting a 30% year on year increase in ESG aligned investments. The report emphasized KFH’s continued commitment to placing people at the center of its success through strategic investment in human capital. It also emphasized strengthening sustainability awareness through targeted training programs. The report further stated that KFH promotes innovation through collaboration with FinTechs, startups, and SMEs, while advancing gender inclusion—where women represented 24.05% of the workforce—and reinforcing social responsibility through more than 200 CSV initiatives aligned with Kuwait Vision 2035 and supported by measurable impact metrics. KFH has achieved Leadership in Energy and Environmental Design (LEED) Gold certifications for several of its branches, bringing the total number of LEED Gold-certified branches to five from early 2026. In addition, the KFH Auto showroom was awarded the Gold Level Sustainability Assessment Certificate (GSAS), making KFH the first bank in Kuwait to attain this distinction. KFH is steadily expanding its portfolio of environmentally friendly premises as a key pillar of its 2026 sustainability strategy and its “Keep it Green” campaign. This effort is rooted in the integration of Environmental, Social, and Governance (ESG) principles across its operations, with the goal of aligning with Kuwait Vision 2035 and the United Nations Sustainable Development Goals (SDGs). By embedding sustainability into its infrastructure development and operational practices, KFH is reinforcing its commitment to responsible growth while enhancing the environmental performance of its facilities. KFH Chairman Hamad Abdulmohsen Al‑Marzouq In his message, KFH Chairman Hamad Abdulmohsen Al‑Marzouq said that building on strong foundations from previous years, 2025 reflected consolidation, resilience, and strategic progress. During the year, KFH strengthened its governance frameworks, enhanced operational efficiency, and leveraged synergies across its regional and international presence. This progress was recognized through prestigious international and regional awards, including World’s Best Islamic Bank 2025 by Global Finance magazine and Bank of the Year – Kuwait 2025 by The Banker magazine, recognizing excellence in financial performance, innovation, and customer-centric growth. Al‑Marzouq stated that in 2025, KFH reinforced its financial strength and sustained its position as the largest private‑sector institution in Kuwait by market capitalization, while supporting its long‑term ambition to rank among the world’s top 100 banks. He emphasized that sustainability remains a fundamental pillar of KFH, fully aligned with its mission, values, Kuwait Vision 2035, and the United Nations Sustainable Development Goals. He noted that KFH’s approach to sustainable banking is grounded in strong governance and prudent risk management. Throughout 2025, the Group enhanced its governance framework through integrated risk systems, adoption of international best practices, and continued transparency and accountability. Al‑Marzouq highlighted that digital transformation was a key enabler of sustainable growth in 2025. KFH expanded its digital banking capabilities, automation initiatives, and customer‑centric solutions, improving operational efficiency and customer experience while supporting responsible resource utilization. During the year, the Group expanded its digital ecosystem to deliver more than 200 services online, reinforcing financial inclusion and positioning KFH as a regional leader in digital Islamic banking. He further emphasized that financial inclusion and human capital development remain central to KFH’s sustainability agenda. Across multiple markets, the Group continued to provide inclusive financial solutions, support small and medium‑sized enterprises, and invest in national talent. KFH also strengthened its commitment to diversity, inclusion, and women’s empowerment by fostering a supportive work environment that enables professional growth, leadership development, and equal opportunities, alongside a growing culture of innovation across the Group. Environmental responsibility remains a priority for KFH. In 2025, the Group advanced its environmental initiatives, building on its carbon footprint reporting and green finance programs. KFH continued to promote Shari’a‑compliant sustainable finance solutions and climate‑related initiatives aligned with global environmental efforts. Al‑Marzouq added that KFH reaffirmed its role through impactful social responsibility initiatives spanning education, health, youth empowerment, environmental preservation, and support for vulnerable groups. Through strategic partnerships, the Group continues to deliver long‑term value and positive impact across the communities it serves. Looking ahead, KFH remains confident in its ability to navigate evolving economic and sustainability challenges while creating shared value for shareholders, customers, employees, and society, guided by clear governance, innovation, and responsible banking. KFH Group Chief Executive Officer Khaled Yousef Al‑Shamlan Meanwhile, KFH Group Chief Executive Officer Khaled Yousef Al‑Shamlan said that sustainability continues to serve as a central driver of KFH’s strategy and day‑to‑day operations. He noted the Group’s commitment to embedding ESG considerations across its business while maintaining full alignment with Islamic Shari’a principles, translating sustainability priorities into measurable impact. Al‑Shamlan stated that KFH’s sustainability strategy integrates economic, environmental, social, and governance objectives across core banking activities, including risk investment decision‑making. He emphasized the Group’s continued focus on responsible capital deployment that supports sustainable development outcomes. He added that supporting the transition toward a low‑carbon economy remains a priority, with continued progress in green finance solutions, environmentally responsible practices, and partnerships that support climate action and environmental preservation. Digital transformation, he said, remains a cornerstone of KFH’s sustainability journey. In 2025, KFH enhanced its digital capabilities through expanded online services, process automation, and advanced technologies, enabling seamless end‑to‑end digital solutions. Customers performed more than 600 million e‑transactions during the year, reflecting KFH’s leadership in future‑ready banking. Al‑Shamlan noted that people remain at the heart of KFH’s success. In 2025, the Group continued investing in human capital by promoting diversity, inclusion, equal opportunity, women empowerment, and national talent development. KFH secured nine global awards for human resources excellence and continued to strengthen sustainability awareness through targeted training and knowledge‑sharing initiatives. He concluded by emphasizing the importance of accelerating sustainability integration across operations, products, and services, with priorities including stronger ESG performance, expanded sustainable finance offerings, digital innovation, and continued positive social impact.
KFH Organizes Awareness Workshop on Financial Fraud
In line with its continued support for the banking awareness campaign, Diraya, Kuwait Finance House (KFH) organized a specialized workshop to enhance employee awareness of financial fraud and its risks, as well as methods for identifying and countering fraudulent attempts. The workshop, "What a Fraudster Thinks", reflects KFH's commitment that employees are the banking sector's first line of defence. It emphasizes the necessity of continuously strengthening their readiness and awareness against the rapidly evolving fraud landscape. The workshop was delivered by KFH Executive Manager Fraud Risk, Ahmed Abdulwahab Al-Zamami. It provided a comprehensive overview of the latest internal and external fraud schemes targeting both institutions and individuals, with particular emphasis on cyber fraud and phishing attacks. Participants were introduced to common fraudulent practices, such as fake links, deceptive calls, and institutional impersonation. To maximize customer security, the workshop outlined practical ways to detect and respond to suspicious activity. It also examined the psychological manipulation tactics fraudsters use to deceive victims and access confidential information. Al-Zamami said that the aim of the initiative was to deepen employees' understanding of the motives and methods behind financial crimes through real-life examples and case studies. He stressed the importance of safeguarding data privacy and avoiding any engagement with suspicious communications or unofficial requests. He further emphasized never sharing passwords, OTPs, or PINs, urging vigilance against fraudulent messages impersonating official entities to solicit suspicious link clicks or OTPs. This warning applies to all KFH customers and the public. He noted that ignoring unsolicited messages from unknown sources remains the primary defence against fraud, protecting both funds and personal data. Al-Zamami also warned against emerging scams that leverage artificial intelligence to replicate the voices of real individuals. Fraudsters then contact the victim's acquaintances by phone or through social media, creating a sense of urgency to persuade them to transfer money, thereby adding a layer of legitimacy to the scam. As part of its CSR program, KFH continues educating employees and the public on evolving fraud threats, hence reinforcing the Bank’s leadership in promoting financial awareness in the community.
