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In the news..

KFH Holds a Workshop on Public Relations in the Banking Sector
Kuwait Finance House (KFH) held a workshop titled “Public Relations in the Banking Sector” as part of its strategic partnership with the Public Relations Club at the Gulf University for Science and Technology (GUST). The workshop explored the significant role of public relations departments within banks generally, and KFH specifically. It also addressed the tasks of public relations in educating customers and disseminating awareness through various campaigns and initiatives, such as the Diraya Campaign launched by the Central Bank of Kuwait (CBK). KFH Executive Manager Corporate Relations and CSR, Faisal Alsurayye, stated that the workshop covered the aspects of public relations including sustainability, corporate social responsibility (CSR), media relations, journalistic writing, media engagement, event and social media channels management, public communication, government relations and communication with official bodies, as well as content creation such as photoshoots and montage. He also pointed out that the workshop offered key insights into public relations, shedding light on the significant role of this function in promoting organizational success at all levels, strengthening external and internal communication in addition to supporting the institution`s strategic objectives. Alsurayye highlighted the prominent role of KFH in educating and raising awareness among its employees and customers as part of its support for Diraya campaign. The campaign aims to promote the rights of customers and raise their awareness while informing them of the various banking services offered by the Bank. “KFH has supported the campaign by publishing educational videos, awareness messages, and informative content across all its social media channels, while also explaining the process of filing complaints and protecting customer rights,” he noted. Students participating in the workshop expressed their appreciation for the valuable insights on the PR practices and real-life examples in banks and financial institutions. They stated that these examples enriched their understanding and contributed to informing them of the actual objectives and tasks of PR. They thanked KFH for its constant efforts in backing students’ activities and added-value events across different fields. It serves to note that KFH remains committed to strengthening ties and collaborations with universities and organizations to promote education, training and talent acquisition. These endeavors also include providing social and educational programs throughout the year, reinforcing its leadership in supporting academic and students` activities as well as scientific research.

KFH Showcases Sustainability Achievements at Kuwait Sustainable Energy Conference
Kuwait Finance House (KFH) participated in the Kuwait Sustainable Energy Conference and Exhibition, taking place in Kuwait from May 11th to 13th. The event was held under the patronage of His Excellency, the Minister of Electricity, Water and Renewable Energy, Dr. Subaih Al-Mukhaizeem. KFH`s participation aims to highlight the significant impact of its sustainability efforts and its dedication to educating the community about the importance of protecting natural resources. This reinforces KFH`s leading role in social responsibility and sustainability. Head of Public Relations and Media at KFH Group, Yousef Abdullah Al-Ruwaieh, stressed that KFH`s role as a strategic partner in the conference reflects its sustained dedication to fostering sustainability, environmental stewardship, and the advancement of sustainable energy alternatives. Keep it Green Al-Ruwaieh, speaking at the conference, underscored KFH`s sustained commitment to environmental responsibility through its "Keep it Green" initiative, which drives numerous projects focused on raising awareness, protecting the environment, and fostering sustainability and greening principles. He added that KFH implemented several initiatives in cooperation with the Scientific Center and saved over 1.5 million papers as part of its digital transformation and environmental efforts. In addition, KFH cooperated with the Green Dream Team in the greening of chalets on Al Zour Road. Al Wataniya Area Development In line with its commitment to sustainability and environmental preservation, Al-Ruwaieh said that KFH provided its support for an initiative aimed at designing and developing the area between Baitak Tower and Souq Al Wataniya in Kuwait City. This initiative, a collaboration between KFH, Kuwait Municipality, and the College of Architecture at Kuwait University, will develop and execute the winning projects in accordance with sustainability and ESG standards. 16th Conference of the Parties (COP16) As part of its dedication to fostering sustainability and contributing to international efforts against desertification and drought, KFH took part in the 16th Conference of the Parties (COP16) in Riyadh, organized by the United Nations Convention to Combat Desertification (UNCCD). KFH also proactively signed a Memorandum of Understanding with the United Nations Development Programme (UNDP) and endorsed the Women`s Empowerment Principles Agreement. Global recognitions Demonstrating its strong commitment to social responsibility and sustainability, KFH has garnered significant international acclaim. This includes accolades such as EMEA Finance Magazine`s "Corporate Social Responsibility – Middle East" award, Euromoney`s "Kuwait`s Best Bank for ESG," and Global Finance Magazine`s "Kuwait's Best Bank for Sustainable Finance". Further underscoring its leadership, KFH received an "A" rating from MSCI for its environmental, social, and governance (ESG) performance and was recognized for its sustainability excellence through inclusion in the FTSE4Good Index in 2024. KFH Auto building KFH Auto building is the first in Kuwait to be awarded the Global Sustainability Assessment System GSAS – Gold Level Certificate, a testament to its sustainable design and operational commitment to environmental preservation.

KFH Takes a Leap in Banking Innovation
Kuwait Finance House (KFH) has organized a forum titled (Retail Banking Beyond Horizons), bringing together the Retail Banking employees with the Group Chief Executive Officer, Khaled Yousef AlShamlan and leaders of the executive management team. KFH`s product showcase unveiled a fresh suite of banking services and solutions designed to simplify customer experiences, underscoring the bank`s dedication to digital innovation and excellence. KFH Acting Group Chief Retail Banking Officer, Sameh El Meligy During his address at the event, the Acting Group Chief Retail Banking Officer at KFH, Sameh El Meligy emphasized the rapid changes within retail banking. He stated that staying ahead in a competitive landscape demands innovative approaches to continually improve customer experience. El Meligy further noted that the introduction of new financial products and services has revolutionized the banking sector and significantly enhanced customer experience, a key focus for KFH. El Meligy confirmed that KFH is moving forward with its strategic objectives by implementing initiatives across four key pillars. The first pillar is unleashing the capabilities of AI and effective marketing to generate sales opportunities and employ digital channels and branches to acquire the largest market share in the market. The second pillar encompasses the contribution of Hybrid Service Hubs in transforming traditional branches into smaller sales centers to increase reach and reduce costs. He pointed out that the third pillar focuses on achieving global service rates through a customer-centric culture, and enhancing key performance indicators based on customer feedback. The four pillar relies on the integration of retail banking services across the Group. Group service center KFH Deputy General Manager Products, Nehal Al-Musallam, said that as part of KFH’s efforts to achieve a comprehensive performance and enhance the unified vision across the Group units, KFH launched the Group Service Center for KFH-Turkey and KFH-Egypt. The dedicated center is soon offering its services in Mishref branch, meeting the needs of customers and delivering an integrated banking experience. She added that the center offers an array of services tailored for the needs of customers. These services include facilitating the opening of new accounts for customers, updating their personal and banking information to ensure an efficient and uninterrupted service. The Service Center also provides technical support for activating and using banking applications of KFH-Turkey and KFH-Egypt, enabling customers to securely access and manager their transactions. “The center is open to all KFH customers, reinforcing our commitment to delivering exceptional customer-centric services and enhancing their banking experience.” she noted. Gold Collateral Financing Al-Musallam announced the launch of Gold Collateral Financing, the first of its kind in Kuwait, allowing customers to obtain financing secured by the gold held in their account. Accordingly, customers can access the value of their gold without selling it. She explained: “The Gold Collateral Financing allows customers to obtain quick financing by the gold held in their KFH gold account, whether they already have an account or opened a new one. This service provides liquidity to customers while keeping their assets stable. Customers requesting a financing can easily hold their gold as collateral at KFH and receive the financing they requested at competitive rates.” Al-Musallam pointed out that this product is one of the financing solutions that provides customers with the financing they need with numerous benefits, simplified and minimal procedures, as well as flexible repayment options. Updating banking tiers Al-Musallam also stated that KFH updated its banking tiers, in line with the Bank’s global expansion. These updates are as follows: Al Ruwad program has been rebranded as Premium. The minimum salary requirement was reduced from KD 4,000 to KD 3,000. The Premium customer experience was also enhanced by adding distinctive services, including increasing complimentary airport transfers from two to three times per year and extending free valet parking from weekends only to daily availability in additon to more complimentary services added to the program. Al Tamayoz program has been rebranded as Advance while retaining its original conditions. For Advance customers registered for the concierge service, KFH have introduced new privileges, including complimentary airport transfers and Eid cash delivery service. Alsundus and Alruban programs have been merged into one program: Personal. KFH targets two additional segments: the youth segment, offering the specialized Hesabi program for individuals aged 15 and above; and the children`s segment, which features Baiti program for those from birth to 14 years old. This program provides access to various exclusive discounts and events throughout the year. Hesabi customers can enjoy a suite of premium services via the KFHonline app, including a complimentary Hesabi prepaid card for the first year, automatic enrollment in KFH Rewards, a leading rewards program in Kuwait, and an initial gift of 1,000 welcome points. Many other benefits and offers are also available. Redesigning KFH cards Meanwhile, KFH Deputy General Manager Cards, Talal AlArbeed, presented the latest developments of the Cards department in terms of design, benefits and services. He said that KFH announced the launch of its redesigned debit, credit, and prepaid cards in February. He added that these cards boast a modern and attractive aesthetic and represent a step towards sustainability through their environmentally friendly materials, reflecting KFH’s commitment to environmental responsibility and the provision of more sustainable financial solutions. Rewards and benefits Speaking about virtual prepaid cards and KFH rewards prepaid cards, AlArbeed said: “Responding to the digital age, we now offer our customers virtual prepaid cards, instantly and conveniently issued 24/7 through KFHonline app.” He added:“These cards deliver a unique and flexible digital banking experience by being instantly added to digital wallets, providing customers with control and security for both local and international online and point-of-sale shopping.” He affirmed KFH’s commitment to enhancing customers` banking experience, and announced the launch of the KFH Rewards prepaid card. By using this card, customers can earn unlimited KFH Rewards points, redeemable with various brands, and enjoy cashback benefits. This empowers customers to maximize the value of every purchase. Retail Banking Beyond Horizons KFH Deputy General Manager Digital and Alternative Channels, Meshal Alobaid, said that the statistics confirm the remarkable success of KFH’s digital channels and its digital transformation strategy. “In 2024 alone, we recorded over 400 million successful banking transactions carried out by customers through our digital channels,” noted Alobaid, “KFHonline provides access to more than 200 banking services.” Additionally, KFH smart hybrid branches provide comprehensive and integrated experience, offering more than 50 services, with the flexibility for customers to either interact directly with an employee or use state-of-the-art self-service devices. He noted that the digital channel services include e-payment solutions such as WAMD service, online account opening, instant printing for all bank cards, buying and selling gold, adjusting ATM card purchase and withdrawal limits, and completing numerous transactions through KFH Go without the need to visit a branch. Enhancing services and design Alobaid indicated that KFH enhanced and redesigned its application, KFHonline. Key features of the new design include: • New Landing Page: the homepage has been redesigned to deliver a more interactive and seamless user experience, making it easier to navigate and access a wide range of banking services and solutions. • Customer Profile and Benefits: this new feature allows customers to view details of their banking tiers and enjoy exclusive benefits tailored to each program, along with a glimpse of the advantages offered in the other programs. • New Services: these new innovative services include the instant issuance of the digital card, managing the ATM card usage limits. • Virtual cards issuance: customers can easily issue a prepaid card through the app, add it to the digital wallet and start online shopping immediately. He also announced new enhancements to ATM and XTM devices. Key enhancements include: • New UX/UI for ATM – XTM: the interface has been redesigned with a fresh easy and interactive experience, improving the efficiency of transactions and fast implementation. • launching a new mobile banking vehicle to serve customers. As the first time in Kuwait, KFH introduced Mobi Vehicles equipped with two advanced devices: - Full function ATM: offering all standard ATM services including cash withdrawals, deposit and transfers. - Instant card issuance: enabling customers to instantly print their ATM cards, saving time and effort. Alobaid added that KFH has achieved a record number in the distribution of advanced ATMs, with over 650 devices operating 24/7. This underscores KFH’s leadership in banking services and digital transformation excellence. KFH hybrid branches Reflecting KFH`s vision for digital excellence and offering a modernized banking experience, Alobaid said that KFH introduces KFH Hybrid Branches, with the first branch being inaugurated at the Avenues Mall branch. The new hybrid branch seamlessly integrates digital and regular banking services. He further stated that the launch of their D-POS device has revolutionized branch operations and direct sales, allowing customers to open accounts quickly and without paper, enabling immediate shopping and banking transactions within minutes. Moreover, KFH implemented the D-POS Pro, empowering KFH branch staff to deliver an exceptional customer experience and efficiently complete sales transactions. It grants quick customer service and offers customized banking experience. Account opening devices Alobaid revealed that D-POS and D-POS Pro devices have many features. These include: • Speed and efficiency: compared with the regular account opening process that takes over 15 minutes and requires multiple signatures, customers can now open the account in less than three minutes with just a single signature. • Paperless process: this digital approach eliminates the need for paper-based transactions, making the banking process more efficient and environmentally friendly. • Automated data entry: by entering the Civil ID number in D-POS system, all required information is retrieved automatically. This process minimizes errors and ensures a seamless and more accurate account opening process. • Cost reduction: the system helps reduce operational costs associated with express document courier services for reviewing and archiving purposes. He went on to say that the D-POS Pro tablet has been designed to empower KFH branch staff to deliver an exceptional customer experience and efficiently complete sales transactions. The tablet provides seamless access to customer service systems, enabling employees to manage customer interactions more effectively. Alobaid explained that the device has many features. Key features include: • Customer 360 View, AI-powered analytics, Accelerated sales and services, Cards management, operational efficiency. “With this device, branch employees can enhance customer engagement, boost efficiency, and drive sales, providing a faster and more streamlined banking experience,” remarked Alobaid.

KFH Supports the Development Initiative of Al Wataniya Area in Kuwait City
Kuwait Finance House (KFH) announced its support for an initiative aimed at designing and developing the area between Baitak Tower and Souq Al Wataniya in Kuwait City. This ongoing support reflects KFH`s leading national and societal role, affirming its commitment to sustainability and environmental preservation. This initiative, a collaboration between KFH, Kuwait Municipality, and the College of Architecture at Kuwait University, will develop and execute the winning projects in accordance with sustainability and ESG standards. Assessment committee As part of its commitment to empowering youth and supporting sustainability initiatives, KFH invited students from the College of Architecture to participate in this initiative to redesign and develop the Al Wataniya area. KFH established clear guidelines for participating projects in this competition, emphasizing the importance of integrating sustainable design solutions that contribute to environmental protection. A joint committee of experts from KFH, Kuwait Municipality, and faculty members from the College of Architecture is reviewing the submitted projects. Site visits Students and stakeholders involved in the project conducted several site visits to assess the space in detail. During multiple sessions and workshops, students presented their ideas, which were reviewed based on precise criteria and engineering principles aligned with sustainable quality of life and environment. The best design The committee selected three winning teams for the best design award. For their awarded projects, Sama Wael Al-Abduljader, Dalia Hamdan Al-Qashim, Dima Khaled Al-Rashdan, Hamad Moayyad Al-Dulaimi, Zahra Adel Hussain, Alanan Faisal Al-Sabah, and Jawa Hussain Al-Abdulmohsen received valuable cash prizes. Honoring ceremony The honoring ceremony was attended by KFH Executive Manager General Services, Ayman Altabtabaei, Kuwait Municipality Deputy Director General for Projects Sector Affairs, Eng. Maysa Boushehri, and the Dean of College of Architecture, Prof. Adel Al-Mumen along with several faculty members and officials. Prior to the event, an exhibition was held for the participating teams to showcase their projects. Contribution to development initiatives KFH Executive Manager General Services, Ayman Altabtabaei, stressed the significance of granting students and youth the opportunity to be part of the country’s development initiatives in line with the Bank’s sustainability and social responsibility strategy. He highlighted the KFH’s commitment to fostering their talents and enhancing their academic and practical capabilities as future investment. Altabtabaei commended KFH’s collaboration with Kuwait Municipality and Kuwait University, represented by the College of Architecture. The collaboration underscores the importance of concerted efforts between the public and private sectors in advancing Kuwait at all levels. He pointed out that this initiative affirms KFH’s leadership in social and national responsibility and reflects its dedication to sustainability, greening and improving the quality of life. Commending KFH’s contribution In her statement, the Deputy Director General for Projects Sector Affairs at Kuwait Municipality, Eng. Maysa Boushehri, lauded the trilateral collaboration, adding that this collaborative project paves the way for more similar initiatives that contribute to serving Kuwait and the community. She also thanked KFH for supporting this significant project, and the faculty members of the College of Architecture at Kuwait University for their role in the success of this initiative. Supporting youth and students Meanwhile, Prof. Adel Al-Mumen stated that these awards convey a message of confidence to Kuwaiti youth. Such initiatives also assure them that they are the drivers of development and that their efforts are valued and help advance Kuwait in various fields. He praised the fruitful cooperation among Kuwait University and the private and government sectors, lauding the remarkable outcomes, unique projects and ideas presented by students. He expressed hope that these designs would soon be realized and that similar collaborations would continue in the future. Strategic social initiatives KFH continues to reinforce its CSR leadership by successfully launching impactful and strategic social initiatives. The Bank has commenced the implementation of the Al Mubarakiya Reconstruction Project. Additionally, KFH has pledged KD 15 million to fund the creation and equipping of a cardiac diseases and research center at Mubarak Al-Kabeer Hospital. The center, which is named the Kuwait Finance House Cardiac Diseases and Research Center, will be created according to highest quality standards in partnership with the Ministry of Health and all relevant stakeholders. KFH has also contributed to the construction of an addiction treatment hospital worth KD 4.5 million. KFH also contributed KD 2 million to the Ministry of Social Affairs’ debt relief campaign, building on its previous contribution that exceeded KD 20 million to settle insolvent individuals’ debts in coordination with the Ministry of Justice. KFH continues its exceptional efforts in the Keep It Green campaign, which serves as an umbrella for all other programs and projects focused on environmental protection and awareness, sustainability, and green initiatives. The Bank also implemented several initiatives in cooperation with the Scientific Center and saved over 1.5 million papers compared to last year as part of its digital transformation and environmental initiatives. KFH cooperated with the Green Dream Team in the greening of chalets on Al Zour Road. It also provided societal and environmental support for Sheikh Sabah Al-Ahmad Natural Reserve, aiming to safeguard its wildlife. As part of its sustainability leadership, KFH participated in the sixteenth session of the Conference of the Parties (COP16) to the United Nations Convention to Combat Desertification (UNCCD), held in Riyadh. The Bank also signed the first-of-its-kind Global Takaful Alliance agreement with the United Nations Development Programme (UNDP).