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In the news..
KFH Reports Net Profit to the Shareholders of the Bank of KD 492.7 million up to the end of Q3 of 2025; an Increase Of 2% compared to Same Period Last Year
- Al Marzouq: KFH recorded sustainable profits and enhanced capital base and financial strength - KFH continues to record the highest profits in the Kuwaiti banking sector and the local market - KFH reports sustained record profit growth and commits to interim cash dividend distribution - KFH is contributing to a positive macroeconomic environment and continues to finance economic sectors and development projects - AlShamlan: The record financial results reflect KFH’s efficient operational performance and flexible policies - Structured digital adoption across all business lines - Streamlining group-wide service and product integration Chairman of Kuwait Finance House (KFH), Hamad Abdulmohsen Al Marzouq announced that KFH has, by the grace of Allah, achieved a net profit for shareholders of KD 492.7 million up to the end of the third quarter of 2025, an increase of 2.0% compared to the same period last year. These profits are the highest in the Kuwait banking sector and the local market. Earnings per share up to the end of Q3 2025 reached 27.98 fils; an increase of 2.0 % compared to the same period last year. Net financing income up to the end of Q3 2025 reached KD 944.3 million; an increase of 13.1 % compared to the same period last year. Total operating income up to the end of Q3 2025 increased, supported by an increase in all core activities to reach KD 1.3 billion; an increase of 10.0 % compared to the same period last year. Net operating income up to the end of Q3 2025 increased to reach KD 850.2 million; an increase of 12.8 % compared to the same period last year. Financing receivables as of the end of Q3 2025 reached about KD 21.2 billion, an increase of 11.3% compared to the end of last year. As of the end of Q3 2025, total assets amounted to KD 40.8 billion, an increase of 11.0% compared to the end of last year. Shareholders’ equity amounted to KD 5.6 billion, an increase of 1.5% compared to the end of last year. Depositors’ accounts amounted to KD 20.1 billion as of the end of Q3 2025, an increase of 4.7% compared to the end of last year. The capital adequacy ratio reached 17.68% which is above the limit required by regulators. This ratio confirms the solid capital base of KFH. Solid performance Al Marzouq said that the record financial results KFH reported at the end of the third quarter of 2025 were characterized by growth in all key indicators. He asserted that this performance underscores the bank's strength and adaptability against the backdrop of current economic instability and geopolitical developments. He attributed the sustainability of profits and the bank's solid capital base, financial strength, and creditworthiness to the Group's success in boosting efficiency, growing operating income, diversifying its financing portfolio, managing risk effectively, and establishing multiple income streams. Interim dividends Al Marzouq added: " The strong Q3 results achieved by KFH confirm our ongoing commitment to shareholders and customers. This performance has created new opportunities for sustaining and increasing record profits. Furthermore, the bank maintains its commitment to shareholders by distributing interim cash dividends. These include semi-annual cash dividends of 10% of the share's nominal value for two consecutive years, supplemented by an equal or greater percentage at the end of the year." Al Marzouq stressed that KFH will continue to work tirelessly to maintain its market leadership as the largest company on Boursa Kuwait, the most profitable and best-performing bank, and the bank with the highest dividend distribution. This commitment is underscored by KFH's recent recognition as the top-performing bank in Kuwait in The Banker's 2025 Top 1000 World Banks ranking. Al Marzouq pointed out that the digital and substantial achievements of recent years provide a solid foundation for future growth. These successes confirm KFH's ability to meet its strategic goals, particularly sustainable growth and industry leadership, and pave the way for its ambition to join the world's top 100 banks in the coming years. Corporate and projects financing Al Marzouq said:" Aligned with our goal of promoting prosperity and sustainable growth in our operating markets and contributing to a positive macroeconomic environment, KFH continues to finance various economic sectors and development projects." He pointed out that KFH will continue to provide the necessary financing to Kuwaiti corporates to enhance their businesses and support their expansion. In addition, KFH will participate in financing major development projects in a way that serves the state's development plan and stimulates the national economy. He also underscored the Bank’s dedication to supporting and financing Small and Medium-sized Enterprises (SMEs), recognizing their vital role as a pillar of economic growth and job creation. Furthermore, he highlighted the successful rollout of the first-of-its-kind Sustainable Business Program for SMEs. This initiative aims to give them a competitive advantage while demonstrating KFH’s commitment to sustainable development and its leadership in fostering the entrepreneurial environment. An influential banking entity Al Marzouq stated that the launch of AUB - Bahrain's new visual identity, rebranding it as KFH - Bahrain under the umbrella of KFH Group, represents a strategic shift. This change strengthens the bank's position as an influential banking group with a geographic presence in 10 countries worldwide, most notably Kuwait, Bahrain, Turkey, Egypt, Germany, and the United Kingdom. The Group offers innovative services and products that keep pace with customer aspirations and global developments in the financial and banking sectors. Sustainability and social responsibility Al Marzouq emphasized that KFH's vision and approach focus on sustainability, innovation, and digital excellence. This involves aligning strategic objectives with short- and long-term plans and continuously developing policies and procedures. This strategy helps balance financial growth with environmental and social responsibility, thereby building a sustainable banking model that can be emulated in social responsibility. Record financial results KFH Group CEO, Khaled Yousef AlShamlan, explained that the record financial results KFH achieved in the third quarter of 2025 reflect its efficient performance and flexible policies, which allow it to develop its operations despite challenges. He further emphasized that KFH succeeded in managing risks, supported by solid capital and high-quality assets. This success will help it execute its corporate strategy, ensuring sustainable profits for shareholders and providing better service for customers. AlShamlan emphasized that KFH's ability to thrive in a highly competitive market stems from its focus on increasing operating income and maintaining a strong credit portfolio. He highlighted KFH's key strengths, including significant growth in diverse income streams across sectors and markets, disciplined cost and risk management, a broad market presence, advanced technology, long-standing Islamic finance expertise, and talented human capital. Group services AlShamlan highlighted the importance of unifying services and products across the KFH Group’s global network (over 600 branches). This unification strategy allows the bank to capitalize on the advantages of individual markets, strengthening KFH's leadership as the most valuable and trusted Islamic banking brand globally. AlShamlan added: "To achieve comprehensive performance and strengthen the unified vision across the group's banks, KFH launched the KFH Group Service Center. This center serves both KFH-Turkey and KFH-Egypt, aiming to better meet customer needs and deliver an integrated banking experience." KFH also launched a free, express call service via a toll-free number in Kuwait, allowing customers to connect directly with its banks in Egypt, Bahrain, the United Kingdom, and Turkey. This move is intended to increase communication within the Group's network. Digital Transformation and AI AlShamlan emphasized that the digital transformation strategy focuses on enhancing operational efficiency. This is achieved by employing digital technologies in its operations, supporting a structured transformation program across all business sectors. He also stated that an innovative service has been launched for customers involved in trade finance transactions, including Letters of Credit (LCs) and Letters of Guarantee (LGs). This service involves adding a QR code to the transaction documents issued by the Trade Finance Department. KFH also launched a comprehensive update to its KFHOnline app, introducing a modern design and smart banking features. Simultaneously, KFH Go smart branches and other e-channels provide innovative solutions that collectively showcase KFH's readiness to deliver unlimited, high-efficiency digital services with exceptional flexibility. He highlighted the launch of intelligent data analysis and intelligent automation for internal processes, along with providing employees with digital business assistants (AI Copilot). In the call center, KFH implemented a Speech Analytics system and an automated service quality assessment system. Additionally, the bank introduced "Fahad", Kuwait's first AI-powered virtual employee. Awards and recognitions AlShamlan added: "KFH’s financing efforts have been recognized by major international institutions. The bank received the "Worlds`s Best Islamic Financial Institution" award for 2025 from Global Finance magazine, along with the "Best Islamic Private Bank - Digital Innovation" award from Global Private Banker magazine. Furthermore, KFH was honored with the "Kuwait’s Best Bank for SMEs "award from Euromoney, the "Most Sustainable Projects in the Middle East" award from Forbes magazine, and the "World`s Best Islamic Retail Bank" award, also from Global Finance." He added that KFH maintained its position as the largest listed company in Kuwait on Forbes’ 2025 Global 2000 list. Talent development AlShamlan emphasized KFH’ outstanding success in implementing localization and training programs across the Kuwaiti private sector. The bank focuses on developing Kuwaiti human capital, encompassing new graduates and experienced staff. This is achieved by fostering creative talent and empowering women and youth within a vibrant work culture. KFH inaugurated the fourth edition of the Leadership Academy, a program run in partnership with Headspring (the joint venture between IE Business School and Financial Times). The Bank also introduced professional banking experience for students and recent graduates, facilitated by KFH Academy. He highlighted that the KFH Group has been honored with nine global human resources awards for 2025 from the Brandon Hall Group. This achievement marks the fourth consecutive year KFH has received this distinction, underscoring its leadership in adopting global best practices for attracting, developing, and qualifying human capital. Thanks and appreciation Expressing his appreciation for the Board's support, AlShamlan commended the essential role played by regulatory bodies in supporting the banking sector. He further lauded the executive team, employees, partners, and stakeholders for their crucial efforts in fulfilling customer and shareholder expectations, thereby maintaining KFH's leadership and reinforcing its standing locally, regionally, and globally.
KFH Highlights Islamic Finance as a Catalyst for Sustainable Development
Kuwait Finance House (KFH) participated in the 2025 Forbes Sustainability Leaders Summit held in Abu Dhabi, UAE and convened global thought leaders to explore the future of sustainable finance. The summit was chaired by H.E. Dr. Amna bint Abdullah Al Dahak, the UAE's Minister of Climate Change and Environment. KFH’s participation in the summit reaffirms its leadership in sustainable Islamic finance and its commitment to driving inclusive and impactful investments in the region. KFH Head of Group Compliance and Governance, Meshal Alshayee participated in the opening ceremony of the summit, while Executive Manager Governance and Sustainability at KFH, Mohammad Alarbeed, participated in the summit as a speaker in a panel discussion themed “Planet-Proof Capital: Financing Innovation, Inclusion, and the Green Transition,”. This session explored how purpose-driven capital is financing climate tech, empowering SMEs, and delivering inclusive, long-term national value beyond financial returns. Alarbeed emphasized the intrinsic alignment between Islamic finance and sustainability, stating: “Islamic Finance isn't new to sustainability—it is sustainable finance at its core. Its principles of prohibiting haram (darar), promoting public interest (maslaha), and stewarding wealth and resources (amanah) represent the original ESG framework. At KFH, we view the UN Sustainable Development Goals (SDGs) as a modern reflection of Maqasid al-Shariah—the objectives of Islamic law.” Alarbeed showcased KFH’s innovative approach to green finance, including Green Sukuk: A Sharia-compliant instrument that ties investor funds directly to tangible green projects such as solar farms and water treatment plants. “KFH has been at the forefront of structuring and distributing Green Sukuk to fund the region’s transition,” he noted. He explained that KFH uses Murabaha to provide preferential financing for its customers to build or renovate their homes according to the best environmental practices to support the bank’s vision in meeting the current and future needs of Kuwaiti society using sustainable approaches and positively magnify these effects on the social and economic aspects of our country. Addressing the importance of meaningful sustainability reporting, Alarbeed said: “True value is created when sustainability is integrated into core strategy—not just the annual report. At KFH, we’ve conducted double materiality assessments to understand both how sustainability affects our business and how our business impacts society and the environment.” He also highlighted KFH’s commitment to transparency and accountability through third-party verification of ESG reports, and its proactive stance against greenwashing. On the topic of ecosystem collaboration, Alarbeed called for stronger alignment between regulators, capital markets, and financial institutions, indicating “no single institution can drive the green transition alone. We need a synchronized ecosystem where regulation enables, markets price-in sustainability, and banks innovate. Blended finance mechanisms are key to ensuring inclusive growth and leaving no one behind. It's worth noting that at the summit, KFH won the Most Sustainable Projects in the Middle East award for 2025 from Forbes Middle East magazine. This recognition is for the bank's sustainability initiatives, which included investing $934.45 million in sustainability and green Sukuk in 2024. KFH has consistently demonstrated excellence in achieving sustainability milestones. It achieved MSCI ESG “A” rating by Morgan Stanely. KFH was also included in the FTSE4Good for its exceptional performance in the ESG practices and commitment to sustainable finance. Additionally, KFH Auto Showroom won the GSAS Gold Level Sustainability Assessment Certificate, the first environmentally friendly building that fully complies with sustainability standards. KFH signed a Memorandum of Understanding with the United Nations Development Programme (UNDP) and an agreement on the Women’s Empowerment Principles (WEPs). The bank organized the first-ever Sustainable Business Program for SMEs, which is designed to give these businesses a competitive advantage and help them achieve their goals. KFH continues its "Keep It Green" initiative, emphasizing its role in enhancing environmental protection and reducing carbon emissions for a more sustainable future. KFH is the first institution to issue impact measurement reports. It is also the first bank to release annual Sustainability Report as well as Carbon Footprint Report, which include valuable insights, and detailed plans that outline the efforts to reduce carbon emissions.
KFH Wins AI Excellence Award at Microsoft AI Summit
In recognition of its proactive efforts and outstanding initiatives, Kuwait Finance House (KFH) received the AI Excellence Award. The award was presented during the Microsoft AI Summit, which was hosted by State of Kuwait and attended by a select group of technology experts from the region. Following the receipt of the award, KFH Group Chief Technology and Digital Transformation Officer, Eng. Meshaal AlMunaikh, stated: “This award recognizes KFH's proactive efforts in adopting the latest AI solutions to enhance the efficiency of its internal operations, improve both employee and customer experiences, and raise productivity and performance across the bank's various business sectors. This success supports the integration of human resources and advanced technologies, creating a more flexible work environment.” AlMunaikh added: "This recognition reflects KFH's commitment to leveraging modern technologies to serve its digital transformation strategy and support Kuwait Vision 2035(New Kuwait), which focuses on building a knowledge economy based on innovation.” AlMunaikh emphasized that KFH has established a pioneering model for integrating smart solutions, including AI, into its operational system. By successfully harnessing these technologies, the bank has boosted the speed of decision-making and increased the efficiency of internal operations, resulting in significant qualitative leaps in overall performance. He demonstrated KFH’s unprecedented AI-focused initiatives including implementing an intelligent automation across several internal processes to accelerate decision making. The Bank also introduced an AI Copilot assistant to help employees organize their daily tasks, allowing them to move away from repetitive administrative work and focus their time and energy on higher-value activities such as strategic analysis and customer engagement. KFH successfully launched the smart data analytics initiative, enabling deeper understanding of customer needs and faster delivery of tailored services. Moreover, KFH deployed specialized virtual assistants, providing accurate and comprehensive answers to employees’ questions across various domains and adopted the advanced Speech Analytics system, which converts recorded phone calls into written analysable transcripts. The Bank launched the Automated Quality Management system, which evaluates customer calls automatically. He highlighted that KFH will continue to intensify its efforts to keep pace with global banking developments. By leveraging AI initiatives, the bank plans to provide innovative banking solutions that will enhance performance, improve customer experience, and open new horizons for product innovation. AlMunaikh expressed sincere thanks to all entities that contributed to organizing the Microsoft AI Summit in Kuwait. He mentioned that AI has become a key driver in developing financial services and enhancing efficiency and innovation, particularly amid the rapid transformations taking place across the global banking sector.
KFH Concludes its Participation in the IMF and WBG Annual Meetings in Washington, D.C.
Kuwait Finance House (KFH) concluded its participation in the 2025 Annual Meetings of the International Monetary Fund (IMF) and the World Bank Group in Washington, D.C. KFH delegation was headed by the Group Chairman, Hamad Abdulmohsen Al-Marzouq and included Group Chief Executive Officer, Khaled Yousef AlShamlan, alongside other KFH Group senior executives. High level meetings During the IMF and WBG meetings, KFH delegation participated in a series of meetings that brought together finance ministers, central bank governors, prominent bankers, investors, and financial policymakers from around the world. The discussions focused on ways to strengthen growth prospects, while highlighting key issues related to economic development and the advancement of the financial and banking sectors. KFH delegation also explored opportunities for cooperation and partnership with leading international financial institutions and showcased the role and achievements of the Islamic banking industry. The delegation also presented the Group’s success as a model capable of supporting financial stability and driving sustainable development. Panel discussion at George Washington University KFH Chairman, Hamad Abdulmohsen Al-Marzouq, presented a comprehensive outlook on the resilience and strategic direction of Kuwait's banking sector, positioning it as a pivotal platform for national economic transformation. Speaking at the panel "Financial Infrastructure as a Platform" during the "Kuwait – The Beacon of a New Era: Foundations for Economic Transformation" event, Al-Marzouq detailed how the sector is converting its stability into a competitive advantage and a foundation for global growth. The panel was attended by Kuwait’s Minister of Electricity, Water and Renewable Energy and Minister of Finance and Acting Minister of State for Economic Affairs and Investment , Dr. Subaih Abdul Aziz Al-Mukhaizeem, as well as Ambassador of the State of Kuwait to the United States of America, Sheikha Al-Zain Al-Sabah, along with a number of senior leaders and officials from Kuwait’s banking sector. Kuwait Banking Association Reception KFH Delegation also took part in the Kuwaiti banks reception organized by the Kuwait Banking Association (KBA). Held under the patronage of Governor of the Central Bank of Kuwait, Basel Al-Haroon, the event was attended by Kuwait’s Minister of Electricity, Water and Renewable Energy and Minister of Finance and Acting Minister of State for Economic Affairs and Investment, Dr. Subaih Al-Mukhaizeem, Secretary-General of the Gulf Cooperation Council, Jasem AlBudaiwi, as well as central bank governors from Arab countries, Chairman of KBA and Chairman of KFH Group, Hamad Al-Marzouq, chairmen of Kuwaiti banks, senior leaders from the financial and banking sectors, and a number of prominent global economic figures. The reception is one of the most prominent economic events that brings together government officials, decision-makers, and heads of financial and investment institutions to exchange insights and discuss economic and financial developments and challenges. Embassy Reception KFH delegation attended the dinner hosted by the Embassy of the State of Kuwait in the United States, in the presence of Ambassador of the State of Kuwait to the United States of America, Sheikha Al-Zain Al-Sabah, along with a number of government officials and leaders from Kuwait’s banking sector. The delegation also participated in the reception hosted by the Embassy of the Kingdom of Saudi Arabia in the United States, as well as the event organized by the Embassy of the State of Qatar. Global Finance awards At a special ceremony held alongside the IMF and WBG meetings, KFH Group has been recognized with 9 prestigious awards in the 18th Global Finance annual awards for the Best Islamic Financial Institutions in 2025. The awards acknowledge the Group’s leadership in the Islamic finance industry, its success in implementing a sustainable growth strategy, and the strengthening of its global position. The awards are: • World’s Best Islamic Bank • World’s Best Islamic Retail Bank • World’s Best Islamic SME Bank • World’s Best Takaful Provider • World’s Best Islamic Project Finance Provider • Best Islamic Bank in the Middle East • Best Islamic Bank in Turkiye (Kuveyt Turk) • Best Islamic Bank in Kingdom of Bahrain (KFH Bahrain) • Best Bank in Kingdom of Bahrain (KFH Bahrain) KFH Delegation KFH delegation included: Group Chairman, Hamad Abdulmohsen Al-Marzouq, Group Chief Executive Officer, Khaled Yousef AlShamlan, CEO of KFH-Bahrain, Dr. Shadi Zahran, CEO of KFH-Turkey, Ufuk Uyan, CEO of KFH Capital, Abdulaziz Al-Marzouq, Deputy Group CEO of Treasury and Financial Institutions, David O'Loan, Chief Treasury Officer Kuwait, Ahmad Al-Sumait, Group Chief International Banking Officer, Abdullah Al Haddad, and Head of Public Relations and Media, Yousef Abdullah Al-Ruwaieh. IMF and WBG meetings The 2025 IMF and World Bank Group meetings addressed economic growth prospects, means for public debt management, and financial sustainability, as well as topics related to sustainable finance, climate change mitigation, and digital transformation. The IMF and World Bank Group Annual Meetings are among the most significant global economic forums, providing a platform for dialogue on pressing financial and economic challenges and strategies to address them.
