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In the news..
KFH Wins Forbes Middle East “Most Valuable Bank” Award
Kuwait Finance House (KFH) won the “Most Valuable Bank” award from Forbes Middle East at the Top Advisors and Investors Summit awards ceremony. The event, held in Abu Dhabi, UAE, was attended by a distinguished group of regional banking and economic leaders, financiers, and investors. Deputy General Manager Global Markets Trading and Investments at KFH, Khalid AlRukhayes received the award on behalf of KFH Group CEO, Khaled Yousef AlShamlan. Forbes Middle East reported that KFH continued to lead the Kuwaiti banking sector in market value, ranking first locally and fifth regionally in the “Middle East’s 30 Most Valuable Banks” list for 2025. With a market value exceeding KD 15 billion, KFH stands among the largest and most influential banking institutions in the region. This ranking and award represent significant additions to KFH’s track record, solidifying its regional leadership and reaffirming strong local, regional, and international confidence in its financial performance and robust position. Sustainable Growth The award also reflects KFH’s ability to achieve sustainable growth, expand the global reach of Islamic finance, and support vital sectors that contribute to the diversification of regional economies. KFH continues to achieve significant milestones in financial inclusion, digitalization, and the expansion of its innovative banking solutions. By maintaining excellence in operational efficiency, financial performance, and strategic expansion, KFH remains a dominant force, further cementing its position among the largest banks in the Middle East. Meanwhile, KFH reported a net profit of KD 632.1 million attributable to the bank’s shareholders for the year 2025, representing an increase of 5.0% compared to the previous year. These historic profits are the highest in the Kuwaiti banking sector. Net financing income for 2025 reached KD 1.3 billion, up 11.5% year-on-year. Net operating income reached KD 1.2 billion, reflecting a 10.7% increase. Financing receivables reached KD 21.8 billion, up KD 2.7 billion, or 14.4%. Total assets reached KD 42.8 billion in 2025, marking an increase of KD 6.1 billion, or 16.5%. This growth was accompanied by an upward trend across all key financial indicators. KFH is a premier global Islamic banking institution. Established in 1977 as Kuwait’s first Islamic bank, it has since grown into an extensive operational network with over 600 branches across 10 countries. Award Methodology Utilizing its established methodology for bank rankings, Forbes Middle East’s research team compiles data on banks listed across the region’s stock exchanges, ranking them primarily by market value. As the regionally licensed edition of the world-renowned American magazine, Forbes Middle East provides comprehensive coverage of business, economics, investment, and entrepreneurship in the Arab world. The publication is recognized for its specialized lists, analyses, and exclusive interviews with global leaders and billionaires, published in both Arabic and English.
KFH highlights resilience, responsible growth at Forbes Summit
Kuwait Finance House (KFH), participated in The Forbes Middle East Top Advisors & Investors Summit, a premier regional gathering that brought together the region’s foremost advisors, financial professionals, and investors at a pivotal moment for the Middle East’s investment future. This summit provides an essential platform to exchange expertise, spotlight trends, and unlock sustainable growth strategies. KFH’s participation reflects its commitment to contributing to forward‑looking conversations that advance sustainable growth, innovation, and responsible investment across the region. As a world’s leading Islamic financial institutions, KFH continues to play a central role in strengthening Kuwait’s and the region’s financial sectors through cutting‑edge digital banking solutions, robust investment offerings, and strategic global partnerships. Deputy General Manager- Global Markets Trading and Investments at KFH, Khalid AlRukhayes, participated in a panel discussion titled: “From Savers to Shareholders: Expanding Public Participation to Drive Market Growth,” a discussion exploring the critical role of increasing retail investor participation in capital markets, both equities and fixed income. During the session, AlRukhayes shed light on the rapid expansion of the retail base investing in the fixed income market, explaining that retail investors are increasingly drawn to Sukuk and other fixed‑income products due to their stability, good returns, and alignment with conservative investment preferences. He noted that advancements in digital trading platforms, broader product availability, and strengthened financial literacy initiatives have collectively empowered a larger segment of the public to participate in this asset class, transforming fixed‑income investment from a niche institutional activity into a mainstream option for everyday investors. AlRukhayes elaborated on how financial institutions and market regulators can work together to enhance accessibility, develop investor‑friendly products, and strengthen financial literacy as key enablers of a more inclusive capital market ecosystem. He also highlighted KFH’s ongoing efforts to empower emerging investor segments through innovative digital platforms, Sharia‑compliant investment solutions, and transparent market engagement strategies. He stressed that broadening participation not only expands market reach and liquidity but also creates a more resilient, sustainable, and balanced investment landscape that supports long‑term national economic development. AlRukhayes said that KFH is the largest bank and the largest listed company by market capitalisation in Kuwait, with operations across 10 countries and a network of more than 600 branches. He added that scale, however, is not an objective in itself; what truly matters is how that scale is managed, and whether growth is earned through discipline rather than pursued for its own sake. He added “Capital, when deployed responsibly, has the ability to shape economic outcomes.” He referred to the bank’s successful Sukuk issuance of a USD 850 million Additional Tier 1 Mudaraba Sukuk, the largest of its kind in Kuwait, which attracted retail investors. The issuance saw exceptional demand, with subscription orders of over USD 1.7 billion (more than twice the issue size), and an annual yield of 6.25%. This issuance supports KFH's strategy to strengthen its capital base and diversify funding, thereby enhancing its capacity to finance Kuwait`s key developmental projects, particularly in infrastructure, energy and other vital sectors, and facilitating client expansion regionally and globally. AlRukhayes concluded his remarks by noting that economies that thrive are those that plan with discipline, innovate with intent, and invest with responsibility.
KFH: Remarkable Traction for “eCorp” Corporate Platform
Kuwait Finance House’s (KFH) “eCorp” platform for corporate customers has witnessed a remarkable increase in usage following the launch of its upgraded e-services and mobile app. The platform provides an exceptional banking experience tailored specifically for the corporate sector. KFH has introduced a new suite of digital services designed to enhance user flexibility. These include full-authority individual accounts, electronic data updates, and "Zaheb" payment service. Additionally, users can now issue QR-verified IBAN certificates, manage credit facilities and limits, view transaction details, request new transactions and process outstanding payments. The newly updated platform offers a wide array of services, ranging from salary transfers and checkbook requests to viewing account statements, tracking interbank transfers, and managing user permissions within a multi-registration system. Furthermore, the platform offers a comprehensive suite of services, including standing order management, monthly statement subscriptions, and automated coverage services. Users can also issue balance verification certificates, reactivate dormant accounts, and execute transfers at direct rates (360T). Additionally, the platform supports clearing company distribution subscriptions, the opening of new investment accounts and deposits, and the issuance of remittances, letters of credit, and guarantees. Other features include drawdowns from existing credit facilities, "Zaheb" payments, all types of transfers, beneficiary management (local and international), lost card reporting, and IBAN sharing. The launch of our upgraded e-services and mobile app offers exceptional banking experience for corporate customers. By integrating cutting-edge technology with robust security, KFH enables modern financial management through tools that prioritize sustainability. This update reduces reliance on paper-based workflows by digitizing applications and transactions, directly supporting environmental goals. Furthermore, modern digital interface streamlines operations, enhance administrative performance and significantly reduce processing times.
AlShamlan: KFH continues to achieve record profits and outstanding results for shareholders and customers
Kuwait Finance House (KFH) held the earnings webcast for highlighting the Group’s financial performance and results during the fiscal year 2025. The meeting was attended by KFH Group Chief Executive Officer, Khaled AlShamlan, Group Chief Financial Officer, Abdulkarim Al-Samdan, and Group Chief Strategy Officer, Fahad Al-Mukhaizeem. KFH Group Chief Executive Officer, Khaled AlShamlan commenced the meeting by shedding light on the Bank’s financial performance for the year ended 2025. He said: "With the grace of Allah, KFH has reported a net profit of 632.1 million KD for the year, reflecting an increase of 5% compared to FY 2024. This achievement marks the highest profit within the Kuwaiti banking sector. Earnings per share reached 35.64 fils, up 5.8 % from the previous year. Our net financing income also saw significant growth, totaling 1.3 billion KD, an increase of 11.5%. Net operating income increased to 1.2 billion KD, a 10.7 % increase, financing receivables reaching 21.8 billion KD increased by 14.4%, compared to last year. Our Total assets reached 42.8 billion KD for the year 2025, an increase of 6.1 billion KD, or 16.5%, compared to last year." He added:"Our capital adequacy ratio stands at 19.81%, exceeding the minimum regulatory requirement, which underscores KFH’s strong capital base. The Board of Directors considered the distribution of cash dividends to shareholders of 24% (including 10% in H1 2025 and a proposed 14% cash dividend for year‑end). The Board of Directors also considered the distribution of bonus shares of 7% after the approval of the General Assembly and the relevant authorities." AlShamlan stated that:"KFH’s solid FY 2025 performance reaffirms our commitment to sustainable growth. Our strategic roadmap focuses on enhancing liquidity, capital, and risk management while aiming to position KFH among the world’s top 100 banks. The record profits reflect our market leadership and resilience during global economic fluctuations." "As a leading global economic entity, KFH benefits from a vast international network of over 600 branches. This geographic diversity and our varied revenue streams have significantly supported our operational performance, delivering strong results for both shareholders and customers. In 2025, we successfully expanded our Private Banking and Wealth Management services and invested in modern banking technology. Our focus on digitalization and innovative product development enhances customer experience and solidifies our competitive edge in the rapidly evolving banking landscape," he added. He mentioned that KFH continues to play a pivotal role in supporting economic growth and aligning with the State’s vision for a more prosperous financial future. We are committed to diversifying the national economy and achieving sustainable development in line with Kuwait Vision 2035. Our efforts include financing mega-projects in infrastructure, energy, oil and gas, and urban development, as well as providing credit facilities to Kuwaiti corporates and SMEs. "Recently, KFH signed a KD 1.5 billion credit facilities agreement with the Kuwait Petroleum Corporation the largest KD-denominated deal of its kind of which 675 million KD is allocated to Islamic finance, with KFH contributing 405 million KD as the lead strategic partner," AlShamlan highlighted. Meanwhile, he added: Our commitment to the community remains strong, highlighted by a 15 million KD donation for a specialized heart disease center, the opening of a tenth ward at the Addiction Treatment Center, and support for the development of Al Wataniya area in Kuwait City. Additionally, we released our fifth Sustainability Report and third Carbon Footprint Report, showcasing our proactive social responsibility efforts and environmental impact." "In 2025, we successfully issued 1 billion USD in Senior Unsecured Sukuk as part of our 4 billion USD Sukuk Program, aimed at strengthening long-term funding sources and supporting our operations. Our digital transformation accelerated in 2025, enhancing our value proposition and partnerships while expanding smart branch services. This brought the total number of digital services on the KFHonline app to over 200," he added. "In 2025, our customers completed over 600 million digital banking transactions, underscoring their confidence in us and reinforcing our leadership in delivering innovative financial solutions." He further said: "As a testament to our successes, KFH received 58 awards in 2025, including “World’s Best Islamic Bank” by Global Finance and “Bank of the Year – Kuwait” by The Banker, along with awards for Most Innovative Islamic Bank in Kuwait and Best Islamic Private Bank - Digital Innovation 2025." "We look forward to continuing our journey of growth and innovation, driving positive change in the banking sector and contributing to Kuwait’s economic vision." AlShamlan emphasized. Group Chief Financial Officer- Abdulkarim Al-Samdan Group Chief Financial Officer, Abdulkarim Al-Samdan that KFH Group has achieved solid growth in its core banking activities for the financial year ended 31 December 2025. Key financial performance highlights are as follows: The Group has achieved Net Profit After Tax attributable to Shareholders for the year ended 31st December 2025 of KD 632.1mn higher by KD 30.3mn or 5.0% compared to 2024. Net financing income stood at KD 1,279.2mn representing an increase of 11.5%. Net Operating income stood at KD 1,209 mn representing an increase of 10.7%. Cost to income ratio stood at 34.06% compared to 35.46% for the year 2024. Earnings per share for 2025 reached 35.64 fils; have an increase of 5.8% compared to last year. Moreover, Financing income increased by KD 364.1mn or 12.6% in comparison to previous year due to increase in both average balance of profit earnings assets and yield by 38bps. Net financing income at KD 1,279.2mn representing an increase of 11.5% mainly due to increase in financing income. Net Operating income at KD 1,209mn represents an increase of 10.7% compared to previous year. Total operating income has increased by KD 141.2mn or 8.3%. Looking at the total operating income profile, there is increased contribution of net financing income to total operating income from 67.8% in 2024 to 69.8% in 2025. Further contribution of fee and commission income has increased from 10.5% to 12.5%. This represents enhancement and strength of our core banking activities. In addition, Total Operating Expenses stood at KD 624.3mn which is higher only by 4.1%. Al-Samdan added:"It is important to note that expenses of Kuwait Turk increase by 16% mainly driven by the inflation while all other group entities combined decreased by 3% leading to overall marginal increase of 4%, this is a testament to the value creation through operational efficiency within the group." Furthermore, Average Profit Yielding Assets is higher by 6.0% compared to 2024 driven by increase in financing receivables and investment in debt securities. Looking at provisions and impairments, the group total impairment charge increased by KD 41.4mn compared to 2024. "As of December 2025, the provision as per CBK instructions exceeds the ECL based on CBK guidelines by KD 527mn compared to KD 539mn in 2024. This provides Group with a very comfortable buffer to withstand possible negative effect of the prevailing uncertainties on ECL provision requirements." He added. Meanwhile, Al-Samdan explained that Total Assets reached KD 42.8bn representing an increase of KD 6.06bn or 16.5%. Net financing receivables increased to KD 21.8bn representing an increase of KD 2.7bn or 14.4% compared to 2024 due to increase in both corporate and retail portfolio. Investments in debt securities reached KD 7.6bn representing an increase of KD 712.8mn or 10.4% compared to 2024. Deposits for the year 2025 have an increase of KD 1.8bn or 9.4% in comparison to year 2024. ROAE increased from 11.22% to 11.32% mainly from increase in profit attributable to shareholders. ROAA increased from 1.74% to 1.84% similarly mainly due to increase in Net Profit. C/I ratio improved from 35.46% to 34.06% due to value creation through operational efficiency. EPS increased from 33.68fils to 35.64fils due to increase in profit attributable to shareholders. Group CAR ratio for 2025 is 19.81%, well above the limit required by regulators, which confirms the solid capital base of KFH. Group Chief Strategy Officer, Fahad Al-Mukhaizeem Meanwhile, Group Chief Strategy Officer, Fahad Al-Mukhaizeem highlighted the Kuwait operating environment with an overview on KFH. He also talked about KFH's strategy, as well as FY 2025 results. Al-Mukhaizeem said: "Global economic growth remained resilient in 2025 amid persistent trade tensions, elevated geopolitical uncertainty, and the restraining effects of relatively tight financing conditions on demand and investment. Global GDP growth is estimated at 3.3% in 2025 and is expected to remain stable at 3.3% in 2026, supported by technology-driven investment in advanced economies." He added that global inflation is projected to moderate to 4.1% in 2025 and further to 3.8% in 2026, reflecting moderating demand and easing energy prices. The outlook remains subject to downside risks related to supply-chain disruptions, commodity price volatility, and rising fiscal and sovereign debt pressures in several major economies. "The Kuwaiti economy is experiencing a gradual recovery driven by non-oil sector growth, despite continued adherence to OPEC+ production limits. Following a contraction of 2.6% in real GDP in 2024, growth is expected to reach around 2.6% in 2025 and accelerate to 3.9% in 2026, supported by stronger non-oil activity, resilient domestic demand, and sustained momentum in government capital spending." Al-Mukhaizeem highlighted. In 2025, Kuwait delivered a standout performance in the projects market, recording over 16% growth on an annual basis in awarded contract values to USD 10.2 billion, the highest level in nine years, supported by projects aligned with Vision 2035 and accelerated investment in the energy (oil and gas), power, and transport sectors—signaling a clear shift from planning to execution. This momentum has supported financing opportunities for KFH, reinforcing its role in structuring and funding large-scale projects across key strategic sectors. The Central Bank of Kuwait (CBK) continued to recalibrate its monetary stance amid a benign inflation environment. Annual inflation remained contained at around 2.5% in September 2025, with full-year inflation projected to ease to approximately 2.2%, down from an average of 2.9% in 2024. The CBK cut its discount rate by 25 basis points in December 2025 to 3.50%, reflecting a measured easing approach aimed at supporting economic activity while preserving price stability and broader macro-financial balance. He added that the mortgage law draft remains in review. Its approval could generate significant demand for mortgage financing, affecting the banking sector and housing market. Ongoing discussions signal progress toward a new mortgage regulatory framework supportive of long-term banking sector growth, with implementation and impact dependent on the final law and implementing regulations. KFH remained Kuwait’s largest listed company in Boursa Kuwait by market capitalization, with a market value of approximately KWD 14.6 billion as of the end of December 2025, up 17.4% year on year versus end-2024 and accounting for around 27.4% of total listed market capitalization, which stood at KWD 53.2 billion, up 22.1% over the same period. This reflects sustained investor confidence in KFH’s earnings viability, balance sheet strength, and disciplined execution, highlighting its role as a core defensive and growth anchor in the Kuwaiti equity market, supported by strong results from its diversified business model and market leadership. KFH concluded 2025 with exceptional achievements, securing more than 58 prestigious regional and international awards across banking excellence, digital transformation, sustainability, innovation in Islamic finance, and service quality. This recognition reflects strong international confidence in KFH’s strategy execution, operational strength, and governance, reinforcing its position as a leading Islamic financial institution regionally and globally, and its ability to deliver sustainable value in a competitive banking landscape. KFH has advanced its digital transformation by shifting from basic digitization to value-driven technology adoption. KFH has expanded use of technology across frontline channels, deploying solutions to enhance customer engagement and service efficiency. At the same time, enhancements to the KFH mobile app have strengthened digital journeys and increased migration to scalable, efficient channels, supported by stronger digital governance, cyber risk management, and fraud prevention. "KFH has reiterated its focus on institutional partnerships and embedding sustainability at the core of its business model, while leveraging advanced digital capabilities to support long-term competitiveness. This is reflected in its role as a strategic partner in international economic forums and the integration of ESG considerations into client engagement—particularly through targeted SME programs—underscoring a disciplined approach to growth, resilience, and long-term value creation." Al-Mukhaizeem emphasized. "KFH enters 2026 from a position of strength, supported by disciplined execution, a resilient balance sheet, and clear strategic priorities. Our diversified model, digital progress, and sustainability focus position us well for sustainable growth and long-term value creation." He concluded.
