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In the news..
KFH Holds H1 2026 Earnings Webcast
Kuwait Finance House (KFH) held the earnings webcast to highlight the Group’s financial performance and results during H1 2026. The webcast was attended by KFH Group Chief Executive Officer, Khaled AlShamlan, Group Chief Financial Officer, Abdulkarim Al-Samdan, and Group Chief Strategy Officer and Acting Group Chief International Banking Officer, Eng. Fahad Al-Mukhaizeem. KFH Group Chief Executive Officer, Khaled AlShamlan KFH Group Chief Executive Officer, Khaled AlShamlan commenced the meeting by shedding light on the Bank’s financial performance for H1 2026. He said: "KFH reported in H1 2026 a net profit of KD 363.1 million, reflecting a growth of 6.1% compared to H1 2025. The earnings per share (EPS) reached 18.86 fils, representing an increase of 4.9% compared to the same period last year." He added: "Net financing income reached KD 649.4 million, an increase of 6.9% compared to the same period last year. Total operating income increased to KD 990.5 million, representing an increase of 9.9% compared to the same period last year. Additionally, cost-to-income ratio improved to 30.6% during H1 2026, compared to 34.3% for the same period last year, showcasing our commitment to operational excellence." He continued: "Net operating income for the first half of the year reached KD 687.9 million, reflecting an increase of 16.2% compared to the same period last year. The growth in our financial indicators during the first half of this year reflects the Group's sustained ability to achieve balanced growth amid a rapidly evolving and challenging operating environment at regional and global levels. Strategic developments AlShamlan added: "KFH continued to strengthen its financial position, with total assets reaching KD 42.2 billion at the end of H1 2026, an increase of 9.7% compared to the end of the first half of the previous year. Financing receivables reached KD 22.8 billion, an increase of 11.5% compared to the end of H1 2025. Depositors' accounts amounted to KD 21.6 billion, an increase of 9.4% compared to H1 2025, while shareholders' equity amounted to approximately KD 5.8 billion, an increase of 4.2% compared to the same period of the previous year. Also, capital adequacy ratio reached 17.47%, exceeding regulatory requirements, which underscores robust capital base of KFH." "In line with our commitment to sustaining shareholder value, the Board of Directors has recommended distributing a semi-annual cash dividend of 10 fils per share, reinforcing shareholder confidence through sustainable, long-term returns, "AlShamlan explained. Market leadership and global recognition AlShamlan said:"KFH’s scale and market leadership continue to differentiate the Group regionally. The Bank ranked first in Kuwait and 12th regionally on Forbes’ list of the 100 largest public companies by market value. KFH market capitalization reached KD 14.1 billion by the end of H1-2026." He added: "We are leveraging our international platform of more than 600 branches across 10 countries to capture cross-border opportunities, finance priority infrastructure, and support SMEs reinforcing KFH’s role as a trusted partner for growth across our core markets." Social Responsibility and Sustainability AlShamlan confirmed that KFH continues to translate its social responsibility into high-impact national initiatives. Since 2019, the Bank’s partnership with the Ministry of Justice has contributed approximately KD 61 million to support heavily indebted citizens. The Bank has also strengthened strategic partnerships with key ministries across education, youth protection, health, justice, and social development, reinforcing its role as a national partner in sustainable community progress. This impact was recognized by Global Finance, which named Kuwait Finance House the World’s Best Islamic Bank for CSR 2026. Operational Efficiency and Innovation AlShamlan said that:"Digital transformation remains central to KFH’s growth strategy, with our online platform now processing more than 600 million transactions annually strengthening customer engagement, efficiency, and risk control. We are also investing in future-ready national talent, highlighted by 100 employees earning specialized professional certificates through the Injaz scholarship program." "As we move forward, despite recent geopolitical challenges, KFH will continue to focus on its strategic priorities: enhancing asset quality, improving financial performance and group synergies, advancing our digital infrastructure, and elevating the customer experience all within a solid risk management framework. We remain committed to maintaining our strong financial position while seizing market opportunities to drive future growth," He added. "Our strong financial performance in H1-2026 reflects the effectiveness of our strategies and our ability to navigate challenges in the evolving banking and regional landscape," AlShamlan concluded. Abdulkarim Al-Samdan, Group Chief Financial Officer: Meanwhile, Group Chief Financial Officer, Abdulkarim Al-Samdan stated that KFH Group’s financial performance for the first half of 2026 demonstrated strong growth in core banking activities, highlighting key indicators. Regarding the H1 2026 financial highlights, he pointed out that operating income grew faster than shareholder profit, with part of the improvement absorbed by precautionary provisions. The balance sheet became more productive as excess liquidity was redeployed. The Group’s geographic breadth is a key source of resilience, where the operating platform now generates a broader and more diversified income base, supported by scale, efficiency and contributions from multiple markets. Management’s priority is to sustain that return profile through disciplined financing growth, active funding and margin management, productivity and conservative capital allocation. Al-Samdan pointed out that the international operations represented 39.4% of financing and 47.4% of deposits. The important point is that no single geography is the sole driver of the Group earnings. He emphasized that income diversification creates value only when the operating platform remains productive, which KFH Group sought to achieve by reducing operating expenses by 2.1% to KD 302.7 million. Al-Samdan explained that the credit provision balance is as important as the current-period charge. While IFRS 9 expected credit loss was KD 525.1 million, the provision balance under Central Bank of Kuwait regulations was KD 1,029.1 million, leaving a KD 504.0 million buffer. Regarding liquidity profile, the liquidity ratios show strong headroom; management's focus is the cost and economic deployment of that liquidity. LCR was 202.1%, NSFR was 123.5%, and the Kuwait financing-to-deposit ratio was 81.8%, against the current requirements shown on the slide of 80%, 80% and a 100% ceiling, respectively. CET1 was 13.5%, Tier 1 was 15.7% and total CAR was 17.5%, above the current requirements of 10.5%, 12.0% and 14.0%, respectively. "We manage capital to support risk-adjusted growth, absorb stress and provide appropriate distributions. The Group retains approximately 350 basis points of headroom above the current total capital requirement, providing capacity to pursue profitable growth,"Al-Samdan added. Eng. Fahad Al-Mukhaizeem, Group Chief Strategy Officer & Acting Group Chief International Banking Officer Meanwhile, Group Chief Strategy Officer & Acting Group Chief International Banking Officer, Eng. Fahad Al-Mukhaizeem shared insights into Kuwait’s economic landscape and KFH’s strategic progress in the first half of 2026. He said that: "At mid-year, the global economy remains resilient. The IMF projects growth of 3.0% in 2026 and 3.4% in 2027, with inflation expected to ease in 2027. While trade growth may moderate in 2026, the outlook points to gradual recovery, supported by continued policy discipline." Regarding Kuwait`s economic and project outlook, he said:"Kuwait’s economy is expected to improve gradually after a softer Q1, with the IMF projecting growth to recover to 2.8% in 2027. Project activity remains supportive, with USD 2.0 billion in Q2 awards and a strong pipeline underpinning future activity and financing opportunities." For monetary and banking sector environment He highlighted that the Central Bank of Kuwait kept its discount rate at 3.50% through H1 2026. Inflation remained moderate at 2.2% in June, while the IMF expects average inflation to reach 2.8% in 2026. Strategic priorities Al-Mukhaizeem said that against this backdrop, KFH remained well positioned, supported by a strong balance sheet, prudent risk management, diversified income, and a broad regional presence. Entering H2, the Group retains the resilience and capacity to support customers and finance the real economy. KFH advanced key strategic priorities during H1 by launching secure banking through WhatsApp, while KFHOnline mobile application continued to offer more than 200 services. The Group also expanded savings solutions supporting education, retirement, entrepreneurship, and home ownership. He emphasized that KFH continued to translate its digital strategy into measurable improvements in customer experience, speed, and efficiency, earning Euromoney’s 2026 Best Digital Bank in Kuwait award. The Group also deepened integration across Turkey, Bahrain, Egypt, and the UK through shared technology and aligned risk frameworks, strengthening its project finance capabilities across infrastructure, energy, and urban development. In recognition of this progress, Global Finance named KFH the World’s Best Islamic Project Finance Provider for 2026. Global Awards Al-Mukhaizeem added that KFH earned more than 25 awards and rankings in H1 2026, reinforcing the strength of its franchise and the consistency of its execution. Key recognitions included World’s Best Islamic Financial Institution and World’s Best Islamic Corporate Bank from Global Finance, Best Digital Bank from MEED magazine, and Kuwait’s Best Private Bank from Euromoney. Together, these awards validate KFH’s leadership across Islamic banking, digital banking, private banking, and corporate banking. "The first half of 2026 reinforced the importance of financial strength, diversification, and disciplined execution. KFH enters the second half with strong capital, an expanding digital ecosystem, and clear priorities, committed to Kuwait's development and sustainable long-term shareholder value," he concluded.
KFH Group Contributes USD 13 Million to Kuwait Emergency Response Fund and USD 6 Million to Power Stations Repairs
Kuwait Finance House Group (KFH Group) has announced a USD 13 million contribution to the Kuwait Emergency Response Fund, a national initiative launched by the Kuwait Fund for Arab Economic Development (KFAED). Additionally, the Group requested providing USD 6 million to repair damaged power stations, reinforcing its commitment to national and social responsibility, enhancing the country`s readiness, and safeguarding vital infrastructure. Chairman of KFH, Hamad Abdulmohsen Al-Marzouq said that supporting strategic national initiatives is integral to KFH`s corporate mission and developmental role. He noted that KFH`s continuous contributions to initiatives promoting sustainable development, security, and stability are guided by core values of responsibility, community partnership, and its pioneering national role. Al-Marzouq expressed KFH`s pride in serving as an active partner in major national initiatives that strengthen the nation`s readiness to navigate emerging challenges. He explained that contributing USD 13 million to the Kuwait Emergency Response Fund and USD 6 million to restore damaged power stations reflects the bank`s belief in building a sustainable institutional framework to address strategic priorities. This approach enhances emergency response efficiency, safeguards essential services, and underscores the bank`s unwavering commitment to its national role, particularly during exceptional circumstances. Al-Marzouq emphasized that KFH remains committed to supporting impactful national initiatives, strengthening integration between state institutions and the private sector to serve the national interest and advance sustainable development in Kuwait. Strategic contributions KFH possesses a distinguished track record in supporting national and community initiatives, with key contributions including: Contributing KD 15 million to construct and equip the Cardiac Diseases and Research Center at Mubarak Al-Kabeer Hospital. Constructing the Addiction Treatment Hospital and opening its tenth ward, at a total cost of KD 4.5 million. Contributing KD 8 million for the reconstruction of the area damaged by the fire in Al-Mubarakiya. Contributing KD 20 million to construct 15 ambulance centers to support the healthcare system. Launching a strategic initiative in cooperation with the Ministry of Justice to relieve defaulting debtors, where the Bank has contributed over KD 61 million since 2019. KFH also participated with a major share of KD 10 million Covid-19 Government Relief Fund, alongside an additional standalone contribution. About Kuwait Emergency Response Fund The Kuwait Emergency Response Fund was established by a Council of Ministers resolution as a dedicated account managed by KFAED, with an initial capital of USD 100 million. The Fund supports national efforts to strengthen the country`s preparedness for emergencies and exceptional circumstances. The Fund mobilizes and directs financial resources toward priority projects, focusing on rehabilitating damaged infrastructure and supporting national efforts to repair vital facilities in Kuwait.
KFH Reinforces CSR Leadership through Strategic Sustainable Initiatives
Kuwait Finance House (KFH) Head of Group Public Relations and Media, Yousef Abdullah Al-Ruwaieh, emphasized that KFH continues to lead in social responsibility and sustainability. By expanding programs across education, healthcare, environmental protection, youth empowerment, entrepreneurship, innovation, sports, and volunteerism, the bank deepens its positive impact on community development. World's Best Islamic Bank for CSR Al-Ruwaieh highlighted that KFH's recognition as the World's Best Islamic Bank for CSR 2025 by Global Finance marks a major milestone, reflecting its leadership and commitment to high sustainability and community service standards locally and globally. He added that the Bank's 2025 Sustainability Report highlights over 200 community programs executed under a vision to drive lasting positive impact and community development across multiple sectors with local and international partners. Broad development impact through strategic initiatives Al-Ruwaieh highlighted KFH's impactful community initiatives and major social responsibility investments across various societal segments. These efforts reinforce the bank's status as a leading CSR model in the sector and a key partner in achieving sustainable development. Among the Bank's most notable initiatives are: • A contribution of over KD 61 million to settle debts for financially distressed individuals, restoring financial and social stability to thousands of families. • A contribution of nearly KD 8 million to reconstruct damaged areas in Al Mubarakiya, preserving Kuwaiti national heritage and boosting local business. • Provision of KD 20 million to construct 15 ambulance centers, expanding national healthcare capacity and emergency response speed. • Role as the lead donor to the KD 10 million government pandemic relief fund during COVID-19. • Support for a sustainable initiative to develop the Al Wataniya area. • Funding and equipping of ward 10 at the Addiction Treatment Center, expanding on the facility originally built by the Bank in 2005. • A donation of USD 20 million to the Kuwait Red Crescent Society for earthquake relief efforts in Turkey and Syria. • Strategic partnerships on community initiatives with the Kuwait Red Crescent Society, the United Nations Development Programme (UNDP), and the United Nations High Commissioner for Refugees (UNHCR). • Continued leadership in funding the Kuwait Foundation for the Advancement of Sciences (KFAS), the national labour support program, the Institute of Banking Studies, and local community projects. Leading Environmental Sustainability Al-Ruwaieh noted that KFH takes a comprehensive approach to environmental awareness and conservation, balancing responsible resource use with community duty. Through its "Keep it Green" campaign, the Bank runs integrated initiatives to raise environmental awareness and promote sustainable practices. These include cleaning beaches and islands, planting trees on a large scale, and leading awareness programs for school and university students. Among the Bank's notable achievements is collaborating with the Green Vision team to plant over 12,000 trees across 25 native species, expanding vegetation cover and protecting biodiversity in Kuwait's desert environment. KFH also organized community walking initiatives with over 10,000 participants, directing all proceeds toward afforestation projects. Environmental Sustainability Award Al-Ruwaieh noted that KFH strengthened partnerships with the Environment Public Authority and Ministry of Social Affairs, organized student environmental competitions with Kuwait University, and established the annual Environmental Sustainability Award at the College of Engineering and Petroleum to drive sustainable development projects. Digital Initiatives Al-Ruwaieh noted that KFH's sustainability efforts feature the Digital Print initiative to cut paper use through digital operations, alongside a water conservation program using Atmospheric Water Generator technology to turn air moisture into water for future resource preservation. At the international level, KFH joined the Global Takaful Alliance, in cooperation with UNDP, to provide Islamic Takaful insurance and empower nearly 100 million farmers worldwide, reflecting the Bank's global commitment to sustainable development. Empowering Youth and Investing in the Future As part of KFH’s vision, Al Ruwaieh said that the Bank prioritizes empowering society through education, innovation, and national youth development. He highlighted the Bank’s long strategic partnership with CODED Academy as a model for advancing tech education. Under the CODED Juniors initiative, over 1,700 children have gained programming and creative skills across nearly 50 training programs. KFH Academy KFH also builds professional talent through KFH Academy, which delivers advanced training in public relations and media, digital transformation, and business administration to prepare young professionals for the labor market and boost their career readiness. Supporting Education and Academic Cooperation The Bank continues to advance education through its strategic partnership in the "Ma’a Attalaba" program to highlight young talent. In cooperation with the Ministry of Education, KFH also hosted the largest ceremony honoring about 140 top performing high school students in Sciences, Arts, special education, and international award winners. Al-Ruwaieh emphasized KFH's ongoing support for education, student activities, and innovation by expanding partnerships with Kuwait University, Abdullah Al Salem University, Gulf University for Science and Technology, the College of Engineering and Petroleum, alongside other public and private higher education institutions, while supporting student clubs that create impactful initiatives for youth. He added that KFH continues as the primary supporter of students at Kuwait University's College of Engineering and Petroleum and maintains its strategic partnership with the Engineering Design Exhibition. Talented Kuwait youth Al-Ruwaieh affirmed that KFH continuously supports talented Kuwaiti youth by developing their skills and sponsoring their participation in major global athletic, cultural, and social competitions through the KFH Strategic Partnerships initiative. Promoting Financial Literacy To enhance financial literacy, KFH held seminars and workshops for hundreds of students, promoting responsible money management, saving, and investment. Sustainable Partnerships Al-Ruwaieh credited the Bank's broad community impact to strategic partnerships with government bodies, nonprofits, and international institutions, which maximize the effectiveness and long-term sustainability of its initiatives. "Increase Good Deeds in Ramadan" Campaign KFH continues to implement impactful seasonal community programs, most notably its "Increase Good Deeds in Ramadan" campaign, which included distributing thousands of Iftar meals, supporting underprivileged families, organizing health, sports, and awareness activities, as well as Quran competitions and various community initiatives serving different segments of society. Supporting Innovation Reflecting its commitment to technological advancement and innovation, KFH continued its participation in the NEXUS Technology Exhibition 2025, one of Kuwait's leading platforms supporting innovation and entrepreneurship. Digital Sustainability Award KFH introduced the Digital Sustainability Award to guide Kuwait Codes participants toward building practical skills for eco-friendly apps that meet sustainability standards. Positive Impact In conclusion, Al-Ruwaieh reaffirmed KFH’s commitment to investing in high-impact initiatives and expanding partnerships across government, academic, community, and international organizations. This aligns with the Bank`s vision as a leading financial institution driving sustainable community development in accordance with international best practices.
KFH Launches “ONE VISION” Leadership Development Program to Empower Future Leaders
Kuwait Finance House (KFH) has launched ONE VISION, a leadership development initiative designed to invest in national talent and prepare the next generation of leaders across the Group. The program brings together 75 high-potential employees and senior leaders in a structured six-month journey focused on learning, knowledge sharing, professional growth, and leadership development. Speaking at the launch event, KFH Acting Group Chief Human Resources and Transformation Officer, Ahmad Alhammad, emphasized the strategic importance of investing in people and strengthening leadership capabilities across the organization. “Today, we bring together 75 talented colleagues and senior leaders to embark on a six-month journey of learning, connection, and growth,” Alhammad said. “ONE VISION reflects KFH’s commitment to developing its talent and preparing future leaders capable of driving sustainable success and supporting the Group’s strategic ambitions.” Alhammad highlighted that the program is distinguished by its reverse mentorship approach, which promotes a two-way learning experience between senior leaders and high-potential employees. “What makes this program unique is its focus on reverse mentorship, where learning is mutual,” he said. “Our leaders will share their experience and insights, while talented employees will contribute fresh perspectives, innovative ideas, and new ways of thinking. This exchange creates valuable opportunities for growth and strengthens collaboration across different levels of the organization.” As part of the program, mentors and mentees will participate in six structured sessions over the next six months. These sessions are designed to strengthen professional relationships, encourage knowledge transfer, support leadership development, and foster a culture of continuous learning. Alhammad noted that ONE VISION has been developed to achieve several key objectives, including strengthening leadership capabilities among high-potential talent, building stronger connections between future leaders and senior leadership, encouraging collaboration and innovation, promoting cross-functional engagement, and enhancing readiness for future leadership opportunities. He expressed his appreciation to the participating mentors for their commitment to developing future leaders and sharing their expertise and professional experiences. Alhammad congratulated the mentees on being selected for the program and encouraged them to embrace the opportunity with curiosity, openness, and a commitment to continuous learning. He noted that the relationships they build and the insights they gain throughout the journey will play a valuable role in their professional and leadership development. Alhammad reaffirmed KFH’s belief that people are its most valuable asset and stressed the bank’s commitment to creating meaningful development opportunities that support long-term organizational success. He concluded by encouraging all participants to fully embrace the experience and contribute to making ONE VISION a successful platform for collaboration, development, and shared achievement. Meanwhile, Nada ElGhossein Chief Operating Officer at IDRAK Training and Consulting, said “One Vision integrates purpose-built digital solutions, including a dedicated matching platform and interactive simulations that enable mentors and mentees to connect, assess their chemistry, and play an active role in the matching process. We have been truly impressed by the participants' enthusiasm, openness, and willingness to learn from one another”.
