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In the news..
KFH Holds H1-2025 Earnings Webcast
Kuwait Finance House (KFH) held the earnings webcast for highlighting the Group’s financial performance and results during H1-2025. The webcast was attended by KFH Group Chief Executive Officer, Khaled AlShamlan, Group Chief Strategy Officer, Eng. Fahad Al-Mukhaizeem, and Acting Group Chief Financial Officer and General Manager Investments, Planning and Reporting, Yameen Abdulsattar. 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 H1-2025. He said that KFH has reported a net profit to the shareholders of KD 342.1 million for H1 2025. Earnings per share reached 19.23 fils for H1 2025. Net financing income for H1 2025 reached KD 607.3 million, reflecting a growth of 8.7 % compared to the same period last year. Total operating income also saw a significant rise, reaching KD 876 million, with an increase of 6.4% compared to H1 2024. Additionally, Net operating income for the first half of the year reached KD 566.7 million; an increase of 7.9 % compared to the same period last year. The cost-to-income ratio for H1-25 improved to 35.3% compared to 36.2% for the same period last year. Financing receivables at the end of the first half of 2025 reached KD 20.4 billion, an increase of 7.1 % compared to the end of last year. Total assets at the end of the first half of 2025 amounted to KD 38.5 billion, an increase of 4.9% compared to the end of last year. Shareholders' equity increased to reach KD 5.6 billion, and depositors' accounts totaled KD 19.7 billion an increase of 2.7% compared to the end of last year. The capital adequacy ratio remained strong at 18.01 %, well above regulatory requirements, emphasizing the strength of KFH financial position. AlShamlan added: “KFH continues to lead the banking sector and the Kuwaiti market in profitability. We are proud of this achievement since it comes despite the challenging operating environment and geopolitical tension in the region. Our success stems from carefully implemented plans that ensure sustainable profits and maintain the highest financial indicators, while upholding a solid financial position and performance.” KFH is consistently enhancing its operational efficiency, increasing revenues, and optimizing its capabilities in line with global standards. This approach will improve asset quality, enhance risk management, and help the bank rationalize expenses. AlShamlan mentioned: “A key focus area has been enhancing integration across our Group banks. The KFH Group Service Center, which currently provides centralized support for our operations in Turkey and Egypt, has been instrumental in driving operational efficiencies and improving customer service. We plan to expand this model to additional markets in the near future, creating further synergies across our network.” He pointed out that KFH brand unification strategy reached an important milestone with the successful rebranding of Ahli United Bank - Bahrain as Kuwait Finance House-Bahrain. This move complements a series of achievements realized under the new brand identity "Beyond Horizons" across the Bank’s major markets, including Kuwait, the United Kingdom, and Egypt. This initiative is part of KFH's expansion strategy as a global leader in Islamic banking. This launch marks the beginning of a new chapter of integration and excellence in banking services. In the domestic market, AlShamlan said that KFH continues to play a leading role in financing Kuwait's economic development. Its diverse Sharia-compliant financing solutions support projects across all sectors, from large infrastructure developments to SME growth initiatives. The Bank maintain its position as the preferred partner for major syndicated financing deals, leveraging its expertise in structuring innovative Islamic financing solutions. He emphasized that digital innovation continues to be a key differentiator for KFH. The launch of "Fahad", Kuwait's first AI-powered virtual banking assistant, represents a significant milestone in KFH digital transformation journey. Additionally, KFH greatly enhanced KFHOnline app, which now offers customers access to over 200 digital banking services, one of the most comprehensive digital offerings in the region. AlShamlan concluded: “Looking ahead, we remain focused on executing our strategy of sustainable growth through synergies, AI Driven digital innovation, and value creation for all our stakeholders, especially our customers. Our strong financial position, diversified business model, and talented team position us well to capitalize on emerging opportunities while navigating potential challenges in the economic environment.” Group Chief Strategy Officer - Fahad Al-Mukhaizeem Meanwhile, KFH Group Chief Strategy Officer, Fahad Al-Mukhaizeem shared insights into Kuwait’s economic landscape and KFH's strategic progress during the first half of the year. He said: “Global real GDP growth is forecasted to reach 2.8% in 2025, down from prior estimates of 3.3%, with a modest recovery to 3.0% expected in 2026. This slowdown reflects rising trade tensions, policy uncertainty, and geopolitical risks affecting major economies like the U.S. and China. Al-Mukhaizeem added: “Kuwait’s economy remains robust, with real GDP growth projected at 1.9% in 2025, rebounding from a 2.8% contraction in 2024. This growth is driven by increased oil production and steady non-oil sector expansion, supported by diversification efforts and growing private sector participation. Stable sovereign credit ratings of A+ by (S&P), A1 by (Moody’s), and AA- by (Fitch Ratings), underscore confidence in Kuwait’s fiscal and institutional strength. He mentioned that Kuwait’s project market excelled in H1 2025, with awarded contracts surging 37.5% year-on-year to USD 3.3 billion, driven by increased investments in key sectors such as transport, power, and a revival in upstream oil projects. This momentum is expected to continue in H2 2025, as the government advances strategic projects aligned with Kuwait Vision 2035. Several high-value tenders in oil projects are in progress and anticipated to be awarded. Al-Mukhaizeem pointed out: “The annual Inflation Rate eased to almost 2.3% in June 2025 down from average of 2.9% in 2024, reflecting the Central Bank of Kuwait’s prudent monetary policy. The Central Bank of Kuwait “CBK” has maintained the discount rate at 4%, unchanged since September 2024, ensuring a balanced approach to economic stability.” He affirmed that Kuwait’s banking sector remains strong, underpinned by robust regulation and ample liquidity. KFH delivered exceptional financial results in H1 2025, driven by its diversified business model. With solid capital, innovative digital capabilities, and an expanding regional presence, KFH is well positioned to support Kuwait’s long-term economic vision while reinforcing its leadership in Islamic banking. On the innovation and technology front, KFH is dedicated to adopting innovative fintech solutions to enhance operational efficiency and customer experience. The Group is strongly committed to fostering synergy across its international branches, prioritizing seamless integration, knowledge sharing, and unified strategies to drive operational excellence and reinforce its global network. KFH continues to expand its global Sharia-compliant banking footprint, capitalizing on its regional presence post-acquisition, and seizing strategic opportunities to enhance its presence in key markets and solidify its status as a leading international Islamic financial institution. “With the Central Bank of Kuwait issuing a draft regulatory framework for open banking, KFH is well positioned, given its digital track record and market leadership, building on its success of offering innovative services and seamless digital onboarding platforms,” commented Al-Mukhaizeem. From a legislative standpoint, the implementation of the Real Estate Developer Law is expected to boost private sector involvement in housing and infrastructure and help ease the housing backlog, while the proposed Mortgage Law is expected to streamline property processes and expand access to long-term, Sharia-compliant housing finance. These reforms foster a transparent and inclusive development model. Al-Mukhaizeem further noted: “Kuwait’s capital market sustained strong momentum in H1 2025, with the market capitalization of all listed companies in Boursa Kuwait increasing 23.2% year-on-year to KD 50.5 billion and traded volume recording 25.2 billion shares in Q2 2025 nearly doubling vs Q2 2024. KFH, the largest listed company, saw its market capitalization grow by nearly 23% to KD 14.4 billion, reflecting strong investor confidence in its strategy and performance. Acting Group Chief Financial Officer and General Manager Investments, Planning and Reporting - Yameen Abdulsattar Acting Chief Financial Officer and General Manager Investments, Planning and Reporting at KFH Group, Yameen Abdulsattar said that the Group has achieved Net Profit After Tax attributable to Shareholders for the six months ended 30 June 2025 of KD 342.1mn higher by 0.3% compared to H1-24. He noted that increase in net profit after tax attributable to shareholders is mainly from increase in total operating income and a decrease in net monetary loss, which is partly offset by increase in operating expenses, provision charge and taxes. Net financing income at KD 607.3mn increased by KD 48.5mn, or 8.7% compared to same period last year mainly due to increase in financing income by KD 47.3mn and decrease in finance cost and distribution to depositors by KD 1.3mn. Net Operating income at KD 566.7mn increased by KD 41.3mn, or 7.9% compared to same period last year. Looking at the total operating income profile, contribution of net financing income to total operating income increased from 67.86% in H1-24 to 69.33% in H1-25 mainly driven by an increase in net financing income. Cost to income ratio for H1-25 improved, representing 35.30% compared to 36.19% for H1-24. Looking at provisions and impairments, Group total impairment charge increased by KD 7.5mn compared to H1-24. KFH cautious approach towards provisioning have contributed to financing provision balance exceeding ECL required as per CBK IFRS 9 by KD 494mn as of 30 June 2025. On the financial position front, Abdulsattar added that Total Assets at KD 38.5bn increased by KD 1.8bn, or 4.9% in Jun-25 compared to Dec-2024. Net financing receivables at KD 20.4bn increased by KD 1.4bn, or 7.1% compared to Dec-2024, mainly on account of increase in corporate portfolio. Deposits for H1-25 at KD 19.7bn have increased by KD 510mn, or 2.7% compared to Dec-2024, mainly due to increase in CASA deposits. Looking at the funding mix, contribution of customer deposits to total funding as of 30 June 2025 is 64.6% followed by due to banks and FI at 30.5%. These results reflected growth across all key financial indicators during the period.
KFH Offers Eco-friendly Virtual Rewards Prepaid Card
Kuwait Finance House (KFH) new Virtual Rewards Prepaid Card from, which can be instantly issued 24/7 through KFHOnline app to all customers, has garnered positive customer response and engagement. This is reflected in the high demand to issue the new card and benefit from its various features. The card also offers faster and a more flexible digital banking experience, enabling customers to manage their online purchases with ease. Customers can issue the card through the mobile app and add it directly to their digital wallets. Accordingly, they will have control and security for both local and international online and point-of-sale shopping. The card is fully digital, consisting of 16 digits similar to regular cards, along with a CVV security code and an expiration date. The recently launched product accommodates customers’ evolving needs and lifestyle, offering them a distinguished and seamless payment experience that is both easy and secure. In addition to the flexible payment options customized according to customers’ needs, whether for online shopping, bill payments, or in-store purchases, the card has broader environmental and social impacts. These include reducing plastic waste and eliminating paper usage. It also contributes to lower carbon emissions by reducing in-person card delivery.
KFH Launches Salary Transfer Campaign
Kuwait Finance House (KFH) has launched (You deserve the benefits…when you transfer your salary) campaign, encouraging Kuwaiti customers to transfer their salaries and enjoy exclusive benefits, rewards, and competitive offers. The campaign, which runs until the end of the year, affirms KFH’s ongoing commitment to providing the best advantages, exclusive offers, while adding value to its products and services, and keeping pace with customers’ aspirations. Through this initiative, Kuwaiti customers, working in the public or private sector, will receive a cash gift of up to KD 500 when transferring their salary of KD 400 or more to Al-Rabeh account. They also have the chance to earn up to 100,000 KFH Rewards bonus points redeemable for purchases at popular brands. Additionally, customers can receive a KD 500 cash gift for referring new Kuwaiti customers, with a KD 100 for every successful referral they make and a maximum of five referrals per month. The campaign boasts the Emergency Cash service, allowing customers to withdraw a portion of their salaries in advance directly through the KFH app without fees. This service is subject to terms and conditions, based on salary tiers, and requires the customer's salary to have been consistently credited to the account for the preceding three months. Among the many other benefits is the opportunity to obtain a financing of up to KD 95 thousand under KFH’s housing and consumer financing offerings subject to terms and conditions. These benefits reflect KFH’s commitment to providing the best services and products to customers across all segments. They also align with the Bank’s continuous efforts to uphold the highest standards of excellence and quality, focus on customers and meet their aspirations. KFH remains committed to enhancing its suite of banking services and products in line with customers’ needs, aiming to provide them with modern innovative solutions that drive their satisfaction. It is worth mentioning that KFH has achieved milestones in the quality of its services, capitalizing on the latest technologies and market demands in addition to tailoring its offerings to fit each segment of customers.
KFH Reports Net Profit Attributable to the Shareholders of the Bank of KD 342.1 Million for H1 2025
Chairman of Kuwait Finance House (KFH) Hamad Abdulmohsen Al-Marzouq announced that KFH achieved a net profit of KD 342.1 million for the first half of 2025 for the Bank shareholders. Earnings per share for the first half of 2025 reached 19.23 fils. Net financing income for the first half of the year reached KD 607.3 million; an increase of 8.7 % compared to the same period last year. Total operating income for the first half of 2025 increased, supported by the increase in all core activities to reach KD 876 million; an increase of 6.4 % compared to the same period last year. This growth is particularly notable given that the comparative income for 2024 included profits of KD 70.1 million from the sale of KFH-Bahrain during Q2 2024. Net operating income for the first half of the year reached KD 566.7 million; an increase of 7.9 % compared to the same period last year. The cost-to-income ratio for H1-25 improved to 35.3% compared to 36.2% for the same period last year. Financing receivables at the end of the first half of 2025 reached KD 20.4 billion, an increase of 7.1 % compared to the end of last year. Total assets at the end of the first half of 2025 amounted to KD 38.5 billion, an increase of 4.9% compared to the end of last year. Shareholders’ equity for the same period amounted to about KD 5.6 billion, an increase of 0.8% compared to the end of last year. Depositors' accounts for the first half of 2025 amounted to KD 19.7 billion, an increase of 2.7% compared to the end of last year. In addition, the capital adequacy ratio reached 18.01 % which is above the limit required by regulators. This ratio confirms the solid capital base of KFH. The Board of Directors has agreed to distribute a semi-annual cash dividend of 10 fils per share. Outstanding performance In a press release, Al-Marzouq said that KFH continues to lead the banking sector and the Kuwaiti market in profitability. This remarkable achievement comes despite the challenging operating environment and geopolitical shifts in the region, which have brought uncertainty to the economic landscape. He emphasized that KFH's success stems from precisely implemented plans that ensure sustainable profits and maintain KFH’s solid financial position and robust performance. Al-Marzouq also highlighted the strength of KFH's financial statements for the first half of this year, which showcase a strong capital base, good liquidity ratios, and exceptional operational performance. These factors have collectively driven sustainable growth across all key financial indicators. Operational efficiency Al-Marzouq emphasized that KFH continues to boost its operational efficiency, increase revenues, and optimally use its capabilities in line with global standards. This approach will improve asset quality, enhance risk management, and help the bank rationalize expenses, especially as it navigates the current global financial landscape and the competitive financial services industry. Coordination and integration He added that KFH is working to achieve great ambitions by maximizing the effectiveness of the Group's banks and fostering seamless coordination and integration among. This approach guarantees increased revenues and improved performance, while also leveraging the unique potential and advantages of each market. New chapter Al-Mazrouq said that KFH successfully launched the new visual identity for Ahli United Bank - Bahrain, rebranding it as Kuwait Finance House – Bahrain. This move complements a series of achievements realized under the new brand slogan, "Beyond Horizons". He explained that this series began in Kuwait, subsequently extending to the United Kingdom and the Arab Republic of Egypt. "This initiative is part of KFH's strategy for expansion and global leadership as an Islamic banking group." He emphasized that the new brand launch reflects a shift in vision and concept, marking the beginning of a new chapter of integration and excellence in banking services. Financing and Development Al-Marzouq highlighted KFH's continued dedication and ability to fund large-scale projects in all sectors, including production, service, commercial, and development. By offering a diverse range of financing services and solutions, KFH actively supports the government's comprehensive development plans. He highlighted the bank's strengths, which position it as one of the most trusted and preferred institutions for corporate financing. KFH also enjoys a substantial market share in financing small and medium-sized enterprises (SMEs) within Kuwait's banking sector. Furthermore, the bank is keen to fund numerous large-scale projects, utilizing flexible and efficient Sharia-compliant financing structures. This has established KFH as the preferred partner and lead arranger for many major joint financing deals. Training and promotion Al-Marzouq said that KFH is steadfast in its commitment to nurturing national talent and developing future leaders. Through ongoing training and development programs, partnered with local institutions, universities, and international centers, the bank aims for peak operational efficiency and productivity. This dedication recently saw several national employees advance to senior leadership roles across various departments. CSR & Sustainability Al-Marzouq noted that KFH's social impact grew significantly last year, thanks to its involvement in many key strategic social initiatives. These efforts highlight the crucial role KFH plays in society, alongside its leading position in the economic, developmental, and banking sectors. He highlighted how KFH has created a pioneering and role model for embedding sustainability principles across its entire group. "KFH has seen remarkable success in green financing and implementing a comprehensive sustainability strategy that's central to its mission and vision. The bank is further strengthening its commitment by adopting integrated, comprehensive, and balanced practices in the key areas of sustainability: environmental, social, and governance (ESG)." Al-Marzouq explained that KFH was the first entity to start publishing impact measurement reports, and it annually releases both a Sustainability Report and a Carbon Footprint Report. KFH has been awarded an "A" rating by MSCI. Additionally, KFH has been included in the FTSE4Good Index Series for its exemplary performance in environmental, social, and governance (ESG) practices. Sound financial indicators Meanwhile, KFH Group CEO, Khaled Yousef Al-Shamlan, said that the bank's H1 2025 profits confirms its robust operational performance and leading position in the Kuwaiti banking sector. He noted that the financial performance for this period reflects prudent strategies and effective policies that consistently yield sustainable profits, solid financial position, asset quality, and good indicators for operating income, cost to income ratios as well as liquidity ratios, and capital adequacy. Global leadership AlShamlan said that "KFH ranked first as the best-performing bank in Kuwait, according to The Banker magazine's 2025 ranking of the top 1,000 global banks. KFH has maintained its position as Kuwait’s largest listed company, in Forbes’ Global 2000 list for the largest public companies in the world, reinforcing its standing using four metrics, revenues, profits, assets and market value." He pointed out that KFH has won numerous international awards, including "The Middle East's Best Islamic Bank" and "Kuwait's Best Bank" from Euromoney. KFH was also named "Best Bank for Financial Institutions in the Middle East for 2025" by Global Finance, in recognition of its excellence and distinction in banking. Growing market share AlShamlan emphasized KFH's ongoing drive to boost market share by offering competitive products, services, and cutting-edge financing solutions, such as Financing Against Gold Account Collateral. He also highlighted the continuous effort to strengthen KFH's presence in international markets, improve coordination among the Group's banks, and enhance customer service through the KFH Group Service Center. Currently, this center supports KFH-Turkey and KFH-Egypt, with plans to extend its services to other Group banks in the coming period. AlShamlan attributed the bank's sustained leadership to its vast experience and large customer base, which collectively reinforce its competitive edge and brand strength. Digitalization and innovation AlShamlan also noted that KFH continues to lead digital innovation in banking, offering diverse digital services and solutions to elevate customer experience. He added that KFH launched (Fahad), Kuwait's first virtual assistant employee powered by artificial intelligence. This coincides with a comprehensive update and redesign of the KFHOnline app, now offering over 200 digital banking services to meet high customer demand. KFH also introduced the KFH Virtual Rewards Prepaid Card as a unique payment experience, alongside updated customer software. Additionally, a new, secure, and easy payment service for businesses was rolled out, transforming mobile phones into point-of-sale devices for accepting payments via debit cards and digital wallets. He noted that KFH's successful digital transformation showcased the bank and its employees' capabilities to harness global technological advancements and apply them to customer service through innovative approaches and creative efforts. He stressed that customers are the top priority, and their satisfaction is key to achieving the bank's strategic goals.
