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KFH Rewards
KFH Rewards Prepaid Card is part of the KFH Rewards Program, where customers can earn 10 points for every KD 1 spent when using the card for all purchases, locally and internationally. Moreover, customers will receive 1,000 welcome points upon card issuance.
AlRabeh account
Open AlRabeh account and you will have the chance to win 1,500 Kuwaiti
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In the news..
KFH Concludes 2025 With Exceptional Achievements and 58 Awards
Kuwait Finance House (KFH) capped off a year of exceptional achievements in 2025, earning 58 prestigious awards and global rankings. These accolades confirm the bank's dominant standing and its successful history of driving the Islamic banking industry forward. These awards underscore KFH’s excellence in developing banking services that meet customer aspirations and enhance their experience. They also acknowledge the bank’s strong operational performance, sustainable growth, and adoption of advanced digital technologies. Moreover, the honors celebrate KFH’s leadership in sustainability, corporate innovation, and social responsibility, alongside its success in human capital development and localization. KFH Group CEO, Khaled Yousef AlShamlan, stated that these awards reflect the bank’s leadership and reinforce the confidence of shareholders and customers. He added that they also testify to the excellence and efficiency of the bank's employees in providing superior service according to the highest quality standards. AlShamlan emphasized that KFH, the largest bank in Kuwait by market capitalization and the world’s second-largest Islamic bank, continues to drive growth across key sectors. By prioritizing a customer-centric approach and investing in cutting-edge technology, it further solidifies its leadership within the financial sector. World’s Best Islamic Bank by Global Finance 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 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), and Best Bank in Kingdom of Bahrain (KFH Bahrain). Bank of The Year by The Banker KFH was named the Bank of the Year 2025 - Kuwait by The Banker magazine. The Banker’s judging panel based its decision on meticulous financial data analysis, comparing growth and performance against a strategy of solid, consistent results. Strategic advantages, including investment in modern technology and innovation to expand business and improve customer satisfaction, were also key factors. Euromoney’s Banking Excellence Awards KFH Group has secured eight prestigious awards at Euromoney’s Banking and Islamic Finance Excellence Awards for the year 2025. The awards are: “The Middle East’s Best Islamic Bank”, “Kuwait’s Best Islamic Bank”, “Kuwait’s Best Bank”, “Kuwait’s Best Bank for SMEs”, “Kuwait's Best Investment Bank (KFH Capital), “The Middle East's Best Bank Transformation”, “Bahrain’s Best Islamic Bank”, and “Bahrain’s Best Digital Bank for Large Corporate”. Best Islamic Bank by EMEA Finance KFH has been recognized with four prestigious awards from EMEA Finance in the 17th edition of the Middle East Banking Awards 2025, in recognition of its leadership in the banking industry and its outstanding achievements in delivering innovative financial solutions and value-driven initiatives in Islamic banking. The awards are the Best Islamic bank in the Middle East, Best Bank in Kuwait, Best Islamic Bank in Kuwait awards, and the Sustainability Award- Middle East Level. These accolades underscore KFH’s esteemed position as a leading Islamic banking group and one of the most valuable and trusted financial brands locally and regionally, highlighting KFH’s success in the Kuwaiti markets and the Middle East region. Best Islamic bank in Kuwait and the UK and the most Innovative Islamic bank Kuwait Finance House (KFH) Group has received 7 awards from the globally renowned Islamic Finance News (IFN) magazine. KFH was named Best Islamic Bank in Kuwait, Best Islamic Corporate Bank in Kuwait, Best Islamic Retail Bank in Kuwait, Most Innovative Islamic Bank in Kuwait and Best Islamic Investment Bank in Kuwait. Additionally, KFH Group secured the IFN Bahrain Deal of the Year 2024 for arranging an ESG-compliant financing facility worth $450 million. Meanwhile, KFH-UK won the Best New Islamic Bank award. Best Investment Bank in Frontier Markets and Kuwait KFH Capital, the investment arm of Kuwait Finance House Group, received the "Best Investment Bank in Frontier Markets" and "Best Investment Bank in Kuwait" awards from Global Finance magazine. Global Finance, with input from industry experts, used a series of criteria to score and select winners. These criteria include market share, number and size of deals, service and advice, structuring capabilities, efforts to address market conditions, innovation, pricing, after-market performance of underwriting and market reputation. Best Investment Bank in Kuwait by MEED KFH won Best Investment Bank – Kuwait Award at the prestigious MEED MENA Banking Excellence – Corporate & Investment Awards 2025. KFH’s selection for this award followed a rigorous evaluation process that measured performance across several criteria, including market activity, advisory strength, innovation, and client impact. The bank demonstrated consistent excellence in all key areas of investment banking, solidifying its position as the top choice in this year’s awards. Best Islamic Private Bank - Digital Innovation KFH has been awarded "Best Islamic Private Bank- Digital Innovation 2025" by Global Private Banker magazine. This award recognizes KFH's successful transformation of its private banking and wealth management services for wealthy and high-net-worth clients. 9 Global Awards in Human Resources KFH Group secured 9 global HR awards from the Brandon Hall Group, a world-renowned authority in institutional performance evaluation. The awards earned by KFH Group are: • Best High Potential Development (Gold) • Best New Hire Onboarding Program (Gold) • Best Unique or Innovative Learning and Development Program (Gold) • Best Talent Acquisition Process (Silver) • Best Learning Experience Platform-LXP Implementation (Silver) • Best Talent Management Strategy (Silver) • Best Certification Program (Silver) • Best Governance Model for Talent Management (Bronze) • Best Certification Program (KFH – Egypt) (Gold) Best Bank for Financial Institutions in the Middle East KFH has been recognized as the "Best Bank for Financial Institutions in the Middle East for 2025" by Global Finance, as part of Global Finance's 25th annual Best Treasury & Cash Management Banks awards for 2025. Best Performing Bank in Kuwait KFH ranked 1st for Best Performing Bank in Kuwait, for The Banker’s Top 1000 Global Banks Rankings 2025. This prestigious ranking underscores KFH’s exceptional financial performance, highlighting the unwavering commitment to excellence, innovation, and customer satisfaction. Most Innovative Private Bank KFH has been named the MENA’s Most Innovative Private Bank for 2025 at MEED's MENA Banking Excellence Awards 2025 - Wealth & Private Banking. Forbes awards KFH Group CEO, Khaled Yousef AlShamlan, has been recognized on Forbes Middle East magazine's "The Middle East's Sustainability Leaders 2025” list. Moreover, KFH won the Most Sustainable Projects in the Middle East award for 2025 from Forbes Middle East magazine. This recognition from Forbes highlights the bank's sustainability initiatives, which included a $934.45 million investment in sustainability and green Sukuk in 2024. Largest company in Kuwait Forbes ranked KFH at the top of the list of the largest companies listed on Boursa Kuwait for 2025, with a market value of $43.4 billion (KD 13.4 billion). Top CEOs Forbes magazine selected KFH Group CEO, Khaled Yousef AlShamlan, as one of the top CEOs in the Middle East for 2025. Forbes based its selection on the CEOs' achievements and performance, as well as their roles in extending beyond simple management to shaping the future and linking efficiency with innovation. The selection also considered their success in aligning business growth with national visions, leading economic diversification, and their overall impact on the region, the markets they oversee, and the size of the companies they lead. Best Private Bank for Islamic Services - Middle East KFH received the “Best Private Bank for Islamic Services- Middle East” award at the 2025 Global Private Banking Awards, presented by Professional Wealth Management (PWM) magazine, a member of the Financial Times Group. AI Excellence Award KFH received the AI Excellence Award during the Microsoft AI Summit, which was hosted by State of Kuwait and attended by a select group of technology experts from the region. Best-in-Class CIF Growth in Kuwait KFH won 3 prestigious awards from VISA in recognition of its outstanding performance in 2024. These awards highlight KFH’s commitment to innovation, customer satisfaction, and leadership in the banking sector, not to mention the keenness on continuously reinforcing the value of its banking cards. KFH won Best-in-Class CIF Growth in Kuwait, Best-in-Class Commercial Card Volume Growth in Kuwait, and Best-in-Class Cross Border Ecomm growth in Kuwait. Most Influential Institutions in Legal Management KFH Group’s Legal Department has been named one of the most influential legal institutions of 2025. Furthermore, Group Chief Legal Officer and Board Secretary, Fawaz Munawer Al-Enezi, was inducted into the GC Powerlist Kuwait 2025. He was awarded a Certificate of Excellence in recognition of his outstanding leadership, his efforts in managing the Group Legal Department, and his significant contributions to strengthening the department’s legal framework. Senior Manager International and Subs Legal Affairs at KFH, Yousef Al-Obaidan Alazemi, has also been selected on this list, representing International Legal Affairs. The list is one of the most reputable international references for identifying top professional talents in the legal field. ISO Certificates in Quality and Facilities Management KFH received two ISO certifications for its Quality Management System and Facility Management System. This accomplishment underscores KFH’s commitment to the highest international business standards, operational discipline, service excellence, and alignment with Kuwait’s sustainability goals. ISO Certification for Business Continuity Management KFH attained ISO 22301 certification for its Business Continuity Management Systems (BCMS) after successfully completing the required auditing procedures and meeting all certification standards in record time. Banking Excellence Award KFH received the Banking Excellence Award during its participation in the Kuwait Builders Summit 2025 (KBS), which 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. These accolades underscore KFH’s brand equity and its record of excellence across multiple disciplines. Key achievements include superior customer service, the integration of cutting-edge digital technologies, and leadership in financial services and investment solutions. Moreover, they highlight the bank’s solid financial standing, its sustainability initiatives, and its leadership within the Islamic banking industry.
KFH Leads Digital Transformation and Banking Innovation
Kuwait Finance House (KFH) continues to spearhead digital transformation within the banking sector, leveraging its robust infrastructure and innovative digital services to deliver a secure, seamless, and sophisticated banking experience available 24/7. Through platforms such as KFHOnline, smart branches (KFH Go), ATMs, and phone service, banking transactions have become more seamless than ever. Customers performed more than 600 million e-transactions during 2025, reflecting their deep confidence in the bank and reinforcing KFH’s leadership in providing future-proof banking solutions. Customer transactions covered a wide range of services, including instant issuance of virtual cards, opening additional accounts without visiting the branch, activating and suspending cards, creating deposits, adding beneficiaries, balance inquiry and transaction statements, requesting cheque books, buying and selling gold, applying for financing, managing children’s accounts, using WAMD instant payment service, and sending and requesting funds via KFH Pay, among many other advanced digital services. Moreover, self-service transactions recorded 5.5 million calls, and the contact center handled 2.6 million calls. Deputy Group CEO Transformation, Technology and Operations, Haytham Alterkait said that KFH continues its leadership in delivering innovative digital solutions that enable customers to complete their banking transactions anytime and from anywhere, while ensuring the highest standards of security and reliability. This approach is part of the Bank’s strategy to promote digital transformation and deliver an integrated banking experience that keeps pace with global developments in the financial sector. KFHOnline update Alterkait added:"As part of its commitment to providing the best banking experiences, KFH implemented a comprehensive upgrade to KFHOnline app. The update introduced a redesigned home page that offers a smoother, more interactive user experience, making it easier for customers to access banking services and view the latest products and services tailored to app users. The update also enhanced the customer profile page, enabling users to view details of their banking tiers and enjoy exclusive benefits tailored to each program. New services were also added, including the new instant issuance of the digital card and managing the ATM card usage limits." 200 Digital services Alterkait explained that KFHOnline app offers more than 200 digital banking services, including WAMD, online account opening, gold trading, e-payment and settlement solutions, and other essential services that support customers’ daily banking needs. KFH GO Alterkait emphasized KFH’s commitment to expanding its KFH Go network of smart branches, which currently consists of 11 locations: The Avenues, Ishbiliyah, Jabriya, Mangaf, Sabah Al-Ahmad, Al-Salam, and Abu Fatira cooperatives, as well as Shuwaikh KFH Auto Showroom, and Al-Khiran, Abdullah Al-Salem, and Airport branches. He added that KFH seeks to increase the number of these smart branches to meet the needs of customers in most areas of Kuwait because of their continuous success and ease of use for the various KFH services. WAMD and Western Union As part of its leadership in offering advanced digital banking solutions for customers, including local and international money transfer through KFHOnline, KFH introduced the WAMD money transfer service and co-branded international money transfer services in cooperation with Western Union. This service enables customers to conduct fast and secure transfers, whether in cash, directly to bank accounts, or to digital wallets worldwide, with access to Western Union’s extensive global network. Money request This service allows customers to request money from individuals or groups by sharing a payment link quickly and easily, entering the recipients’ phone numbers, or creating a group for collective payment requests. Customers can also track payment status for each recipient through the previous transactions section for KFH Pay. Easier financing Applying for a financing online through KFHOnline app has become more convenient. Customer can submit their financing request through the Finance Services menu in the app and select Finance Request option. Cards services KFH successfully launched a pioneering service that enables new customers to open accounts via digital sales devices, becoming the first in the market to operate the mobile D-POS (Digital Point of Sale). This solution allows for instant account opening on KFH systems. KFH also introduced the automated credit card printing for the first time in Kuwait, enabling customers to instantly print credit and prepaid cards in their new, distinctive design. This complemented the Bank’s ability to instantly issue all types of cards via self-service devices, reaffirming its leadership in enhancing customer experience. Credit and prepaid cards can now be replaced instantly via self-service printing using a Civil ID or QR code. Additionally, KFH customers are able to temporarily suspend and reactivate their cards, view KFH Rewards points, and access full card details through the KFHOnline application. The Bank has also made progress in updating customer’s Civil ID and authentication without the use of a physical card. Customers can transfer their funds from their prepaid card to their personal bank account. In addition, KFH customers who have an additional family card can now control the additional card’s limits. Zaheb Platform The launch of Zaheb, a digital payment platform for businesses, allowed corporate customers to easily pay by generating payment links and QR codes, eliminating the need for POS devices. KFH introduced its first corporate mobile banking app (eCorp) featuring five core business services, and integrated biometric facial recognition technology to enhance security. The eCorp app has been updated to include major new features, such as payroll transfer capabilities and cheque book requests for initiators. KFH also introduced three new debit card products with various features specifically designed for corporate customers for government use. One of these cards is issued with limited acceptance only on government KNET POS/PG terminals. This card has received positive feedback from users. Payment services KFH introduced a new payment solution for business owners and companies, switching their smartphones into secure and user-friendly POS terminals for debit cards and digital wallets. The service offers the highest security standards, with a maximum transaction limit of KD 250 per transaction. AFAQ service was also launched, providing enhanced transparency and traceability for financial transactions and transfers across the GCC. Cybersecurity New infrastructure and security upgrades have strengthened group-wide transactions and laid a solid groundwork for cybersecurity. Key initiatives include building a robust infrastructure, unifying operations, and implementing proactive risk management. Accelerating Digital Transformation KFH continues to accelerate its digital transformation with a focus on responsibility and security, integrating artificial intelligence and automation while bolstering cybersecurity. The bank has successfully adopted cutting-edge technologies that have reduced costs, increased reliability, and accelerated performance. These advancements have significantly improved operational efficiency and transformed customer experience. LGs KFH achieved a milestone by becoming the first bank in Kuwait to integrate QR codes into Letters of Guarantee. This feature extends to all issued documentation and transactions, enhancing security and streamlining the verification process. Contact Services In 2025, KFH expanded its service capabilities by integrating its international branches into the IVR system, allowing for seamless, toll-free transfers to Egypt, the UK, and Bahrain. Additionally, the bank introduced a dedicated IVR interface for individuals with intellectual disabilities to ensure inclusive access to its services. KFH Offers Through KFH Offers section, integrated into KFHOnline app, customers can explore a diverse array of exclusive benefits. These features underscore KFH’s dedication to providing a technology- and innovation-led banking experience. By proactively adapting to industry trends, the bank continues to solidify the sustainability of excellence. Innovation and Creativity KFH continues to foster a culture of creativity and innovation through its annual Group-wide (Innovation Challenge). This initiative leverages employee-driven ideas to create value-added financial services and high-quality solutions while streamlining workflows and modernizing systems. By refining procedures and optimizing the work environment, the competition aims to enhance customer experience, rationalize expenses, and drive growth through increased efficiency, a broader customer base, and greater flexibility.
KFH Promotes Engineering Creativity among Students and Graduates
Kuwait Finance House (KFH) participated in the 49th Engineering Design Exhibition at Kuwait University. Organized by the College of Engineering and Petroleum, the two-day event was held under the patronage of Minister of Electricity, Water and Renewable Energy and Acting Minister of Finance, Minister of State for Economic Affairs and Investments, Dr. Sabeeh Abdulaziz Al-Mukhaizeem. Kuwait University honored KFH in recognition of its leading role in supporting students and developing their skills and sponsoring their graduation projects. Receiving this honor on behalf of the Bank, Executive Manager Corporate Relations and CSR at KFH, Faisal Alsurayye, said that the Bank’s participation as a strategic partner in the Engineering Design Exhibition for many years, is part of its keenness to support students, education and youth, promote engineering creativity among students and graduates, and encourage scientific initiatives that contribute to achieving development across various fields. He noted that KFH is the main and largest supporter of graduation projects at the College of Engineering and Petroleum, providing support to approximately 300 students each year. Alsurayye added that KFH has dedicated the annual Sustainability Award, which is granted to the wining projects of the first and second places focusing on environment and sustainability. He affirmed that through its strategic partnership with the College of Engineering and Petroleum, KFH contributes to creating a thriving academic environment for nurturing young minds, empowering them to grow, and enabling them to contribute to Kuwait’s development through their projects. Vice President for Academic Support Services at Kuwait University, Dr. Abdullah Al-Mutawa, praised KFH’s keenness to support the college’s various activities and outstanding students. Meanwhile, students behind the graduation projects commended KFH for its sponsorship of their projects, expressing their appreciation for the Bank’s prominent role in social responsibility.
KFH Issues USD 1 Billion 5-Year Sukuk
Kuwait Finance House (KFH) announced the successful issuance of USD 1 billion in Senior Unsecured Sukuk with a 5-year tenor, to be listed on the London Stock Exchange. The Sukuk were priced at 85 basis points over U.S. Treasury yields, with an annual profit rate of 4.563%. The order book exceeded two times the target issuance size, with coverage provided by investors from the Middle East, Europe, and Asia, most of whom were banks, financial institutions, and investment funds. KFH Chief Treasury Officer - Kuwait, Ahmad Eissa Al-Sumait KFH Chief Treasury Officer - Kuwait, Ahmad Eissa Al-Sumait, stated in a press release that the record demand for the issuance reflects investor confidence in KFH, its strategy, and its credit strength. He added that it also reflects the prestigious position the bank holds among global financial institutions and capital markets. He explained that KFH played a pivotal role in establishing Sukuk as a competitive financing tool that enjoys global acceptance, utilized by corporates and governments to fund projects and expansions. Al-Sumait pointed out that the objective of the issuance is to enhance KFH operations, diversify funding sources, and increase investment capabilities. This contributes to supporting infrastructure projects and productive economic sectors in Kuwait, while also supporting the regional and international expansions of companies. Al-Sumait praised the role of KFH Capital, which acted as the sole Global Coordinator for the issuance. He also thanked the investors for their trust, as well as the joint lead managers, bookrunners, and stakeholders for their role in the success of the issuance in record time, achieving positive results and a coverage volume several times higher than required. Deputy General Manager of Global Markets Trading and Investments at KFH, Khalid AlRukhayes Meanwhile, Deputy General Manager of Global Markets Trading and Investments at KFH, Khalid Saud AlRukhayes, expressed pride in the success of the USD 1 billion Senior Unsecured Sukuk issuance, noting the significant investor demand and oversubscribed coverage. He pointed out that this represents the first Sukuk issuance in the region for the year 2026. He said that the Sukuk market holds great importance for KFH, as it is one of the most prominent financing tools in global markets. Furthermore, he noted that Sukuk play a vital role in supporting corporate expansion and development, evidenced by the high volume of international subscriptions in Sukuk deals. AlRukhayes revealed that the Joint Lead Managers for the issuance were: KFH Capital, HSBC, Dubai Islamic Bank (DIB), First Abu Dhabi Bank (FAB), Boubyan Bank, Standard Chartered Bank (SCB), Mizuho, Abu Dhabi Islamic Bank (ADIB), The Islamic Corporation for the Development of the Private Sector (ICD), Bank of China (BOC), and Emirates NBD.
