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In the news..
Alterkait: Digital Transformation and AI Are Key Pillars of Economic Growth and Business Competitiveness
Kuwait Finance House (KFH) Deputy Group CEO Technology and Operations, Haytham Alterkait, said digital transformation has evolved beyond delivering services through applications and digital platforms to become a core pillar of modern institutions. He noted that it accelerates transactions, boosts productivity, and improves business efficiency, adding that the future of investment and economic growth is closely linked to technological advancements and investment in innovation. Speaking at the 5th edition of the MoneyTech 2026 summit organized by Al-Jarida, Alterkait stated that the agenda addresses key issues, particularly “Investing in Times of Uncertainty”, a topic that is currently relevant to economies and financial markets. He noted that the challenge extends beyond navigating market volatility to sustaining investment flows, supporting productive sectors, and balancing opportunity with risk management. Artificial Intelligence Alterkait explained that artificial intelligence marks a new stage in the financial sector’s evolution, offering powerful tools to analyze data, improve customer experiences, automation, strengthen risk management and early detection of fraud. He added that KFH views AI as a major driver of innovation and productivity, provided there is responsible adoption of new technology, strict adherence to data governance, and full transparency, aiming to achieve tangible improvements in business development and customer experience. Cybersecurity Alterkait highlighted the crucial role of cybersecurity in a rapidly expanding digital economy, noting that cybersecurity and operational resilience become even more critical as reliance on digital services grows. He added that confidence of customer and investor depends on an organization's ability to safeguard funds and data, secure transactions, and maintain uninterrupted services. He emphasized that investing in security and operational readiness is critical to strengthening financial sector stability and navigating challenges. He noted that an institution's ability to maintain uninterrupted services reinforces market confidence, adding that true operational resilience is built long before crises hit, through reliable infrastructure and effective response and recovery capabilities. Wealth Management and FinTech Alterkait noted that small and medium-sized enterprises (SMEs) and startups are vital for economic diversification and job creation. He emphasized that these businesses thrive on partnerships combining the expertise of financial institutions with the innovation of entrepreneurs. He added that the summit’s coverage of wealth management, FinTech, venture capital and entrepreneurship reflects the changing banking and economic landscape locally, regionally and globally. Connecting Investment Opportunities with Financing Alterkait said economic responsibility is central to KFH’s role in serving customers, the national economy and its markets. The Bank is committed to using its financial, operational and technological capabilities, as well as its regional and international network, to support customers, finance the real economy, and develop solutions that combine innovation, reliability and good governance. He added that Kuwaiti financial institutions’ expansion into regional and global markets opens more opportunities to share expertise, build partnerships and match investment opportunities with suitable financing. This strengthens Kuwait’s economic presence and supports sustainable development. Alterkait also explained the important role of Sharia-compliant financing and investment instruments, particularly sukuk, in diversifying funding sources and expanding investment options. He stressed that financial institutions’ success depends not only on financial performance, but also on the value they bring to the economy and society. 700 million e-banking transactions Alterkait said that KFH continues to develop its digital services, upgrade its infrastructure, and streamline procedures to meet customers’ evolving expectations and banking preferences. "Customers completed more than 700 million e-banking transactions by the end of the third quarter of 2026," he noted. "This reflects shifting customer behavior and a greater reliance on digital services, highlighting how technology supports economic activity, saves time and effort, and drives efficiency in service delivery." Human Capital Alterkait added: “Building the future we envision requires investing not only in technology and capital, but also in people. Developing national talent and strengthening financial and technological skills underpin innovation, enabling us to harness advanced technologies and translate their benefits into enduring value.” He stressed KFH’s commitment to nurturing national talent, enhancing professional and technical skills, and fostering a workplace that drives innovation and continuous learning. Supporting Business Continuity Alterkait said financial institutions do more than provide financing, they help investors and businesses make informed decisions and offer solutions that keep businesses operating and support sustainable economic growth. He emphasized the importance of attracting regional wealth and investment, channeling it toward promising opportunities in Kuwait and the wider region. He also praised the summit's role in convening leaders from the financial, investment, and technology sectors to explore key opportunities and challenges while shaping a shared vision for the future of the national economy. Kuwait Vision 2035 Alterkait said the summit’s national and economic significance aligns with Kuwait Vision 2035, which aims to reinforce Kuwait’s position as a financial and commercial hub while expanding the private sector’s role in development. He noted that this vision elevates the role of financial institutions beyond traditional banking by actively mobilizing savings, financing productive ventures, supporting businesses, and bridging investors with viable economic opportunities. Alterkait added that enhancing Kuwait’s financial standing requires an appealing business environment, clear regulations, advanced services and lasting trust in institutions and markets. He stressed that capital should flow into productive projects and activities that diversify income sources and drive economic growth, benefiting investors, society and the national economy. Importance of the Summit Alterkait expressed hope that the summit's discussions would enrich dialogue, foster the exchange of expertise, and yield practical visions to support the future of the financial sector and the Kuwaiti economy, particularly amid rapid economic and geopolitical shifts and the challenges they pose to markets, financing, and operating costs. He added that these changes highlight the need for a diversified economy, more resilient financial institutions and an investment environment that attracts capital and turns challenges into opportunities for growth. Concluding his remarks, Alterkait called for converting the summit's recommendations into active partnerships and initiatives that bring together financial institutions, investors, entrepreneurs, and policymakers to strengthen Kuwait’s competitiveness and economic standing. Furthermore, he expressed KFH’s pride in sustaining its strategic partnership with the event.
KFH the First Bank in Kuwait to Achieve EDGE Advanced Certification
Kuwait Finance House (KFH) has become the first bank in Kuwait to achieve the prestigious EDGE Advanced green building certification for operating branches, marking a significant milestone in its sustainability journey and reinforcing its commitment to integrating measurable environmental performance across its operations. Executive Manager Governance and Sustainability at KFH, Mohammad Alarbeed, and Senior Manager Project at KFH, Yousef Alroumi received the certificate in a ceremony held at KFH Auto. The certification was awarded to KFH’s Kaifan and Shaab branches under EDGE (Excellence in Design for Greater Efficiencies), the internationally recognized green building standard developed by the International Finance Corporation (IFC), a member of the World Bank Group. The achievement underscores KFH’s ongoing efforts to improve the environmental performance of its facilities through independently verified, data-driven solutions that enhance resource efficiency and support the Bank’s broader sustainability strategy. By applying internationally recognized green building standards to existing and fully operational branches, KFH demonstrates how sustainability can be successfully embedded into day-to-day banking operations. Commenting on the achievement, Head of Group Compliance and Governance at KFH, Meshal Alshayee, said: “Achieving EDGE Advanced certification for our Kaifan and Shaab branches marks an important step in translating KFH’s sustainability commitments into tangible and measurable outcomes. It reflects our dedication to strengthening environmental performance through globally recognized standards, independent assessment, and a structured approach to continuous improvement.” Alshayee added: “At KFH, sustainability is closely linked to operational excellence, effective governance, and a strong culture of compliance and quality. This achievement demonstrates how these principles can be applied across existing facilities to enhance resource efficiency while maintaining the high standards of service our customers expect. This milestone reflects our ongoing efforts to enhance sustainable practices throughout our branch network.” He noted that the certification provides KFH with a practical framework for advancing sustainability performance across its branches and facilities in Kuwait, supporting a broader portfolio-wide approach to environmental efficiency rather than isolated sustainability initiatives. Alshayee further emphasized that this milestone reinforces KFH’s position as a leader in responsible banking and sustainable business practices, while contributing to the development of a more resource-efficient built environment in Kuwait. Concluding his remarks, Alshayee said: “At KFH, we believe sustainability is fundamental to responsible and inclusive economic growth. We are proud to set new benchmarks for sustainability within the banking sector and contribute to building a greener and more sustainable future for Kuwait.” About the Certification Process The certification process involved a comprehensive assessment conducted by an accredited EDGE Expert, followed by independent verification and auditing. The evaluation covered building specifications, mechanical and electrical systems, renovation and upgrade works, as well as operational practices to measure and validate the branches’ environmental performance. The results were independently reviewed and verified before the certification was formally issued by Bureau Veritas, the global certification body appointed by IFC for EDGE certifications. The adoption of the EDGE framework supports KFH’s long-term objective of expanding measurable sustainability standards across its property portfolio. Designed to accommodate buildings of different ages, sizes, functions, and operational conditions, the framework provides a consistent methodology for assessing and benchmarking environmental performance across a diverse network of facilities. EDGE Advanced certification is awarded to buildings that achieve a minimum of 40% energy savings compared with the applicable baseline under the EDGE methodology. The standard evaluates environmental performance across three key areas: • Energy consumption • Water efficiency • Embodied energy in building materials The certification framework also assesses a building’s readiness to support the transition toward carbon neutrality, further strengthening KFH’s commitment to sustainable development and environmental stewardship.
KFH Holds Earnings Webcast for the period ended Q3 2026
Kuwait Finance House (KFH) held the earnings webcast to highlight the Group’s financial performance and results for the period ended Q3 2026. The webcast was attended by KFH Group Chief Financial Officer, Abdulkarim Al-Samdan and and Acting Group Chief International Banking Officer, Group Chief Strategy Officer, Eng. Fahad Al-Mukhaizeem. Group Chief Financial Officer, Abdulkarim Al-Samdan: Group Chief Financial Officer, Abdulkarim Al-Samdan commenced the meeting by shedding light on the Bank’s financial performance for Q3 2026. He added that KFH Group’s financial performance demonstrated strong growth in core banking activities, highlighting key indicators. Al-Samdan said that the nine-month results show a stronger operating earnings base, reflecting growth in financing and fee income alongside lower expenses. Net operating income rose by 11.7% year-on-year to approximately KD 1.0 billion, with cost-to-income at 30.8%. Shareholder profit increased by 6.2% to KD 523.4 million. The financing portfolio is now 7.5% above year-end, reflecting continued deployment of liquidity into customer financing. Al-Samdan said that the Group’s earnings are geographically diversified. "As of the end of September, the international business accounted approximately 38.6% of Group financing and 49.6% of deposits." Al-Samdan explained that:" The gap between income and expense growth remains favorable. Compared with the same nine-month period last year, operating income was 6.7% higher, while expenses fell by 3.0% to KD 447.5 million. As a result, cost-to-income ratio improved by 3.1 percentage points to 30.8%." He also highlighted that the regulatory provision balance remains above the IFRS 9 expected credit loss balance. Against expected credit losses of KD 549.8 million, provisions under Central Bank of Kuwait regulations stood at KD 1,049.7 million. The resulting buffer was KD 499.9 million. Meanwhile, Al-Samdan said that September liquidity ratios remained comfortably above the current regulatory minimums. LCR of 137.0% and NSFR of 120.7% were above their respective 80% minimums. The Kuwait financing-to-deposit ratio was 84.3%, below the 100% ceiling. On that basis, CET1 was 13.2%, Tier 1 was 15.4%, and total capital adequacy was 17.2%. The corresponding current requirements were 10.5%, 12.0% and 14.0%, respectively. Fahad Al-Mukhaizeem, Acting Group Chief International Banking Officer, Group Chief Strategy Office Meanwhile, Acting Group Chief International Banking Officer, Group Chief Strategy Office, Fahad Al-Mukhaizeem shared insights into Kuwait’s economic landscape and KFH’s strategic progress in Q3 2026. He said: "KFH entered the final quarter of 2026 from a position of strength, remaining the largest listed company on Boursa Kuwait by market capitalization as of 30 September. Q3 demonstrated the strength of KFH’s diversified franchise and our continued execution. Our priorities remain clear: focus on customer centricity, deepen integration, accelerate digital adoption and pursue quality growth with disciplined risk and liquidity management." He added:" We remain confident in our ability to deliver sustainable shareholder value, support our customers and contribute to Kuwait’s long-term development." Al-Mukhaizeem stated that KFH continued to advance its digital capabilities through KFHOnline, smart branches, upgraded ATMs and the enhanced eCorp platform for corporate customers. "The opening of Al-Qairawan center brought our Group Service Centers in Kuwait to three, strengthening service for customers across our regional network," he added. 300 services KFH Bahrain also demonstrated strong digital progress, reporting a 40% year-on-year increase in active customers through digital channels and having successfully automated more than 150 banking services, bringing the total number of digital banking services to over 300 services. Customer experience These initiatives strengthen Group integration, customer experience and efficiency. The Banker recognized this progress by ranking KFH the best-performing bank in Kuwait in its Top 100 Arab Banks 2026 ranking. National initiatives KFH continues to support national initiatives of strategic impact, including a USD 13 million contribution to the Kuwait Emergency Response Fund, and an additional USD 6 million planned contribution to support power station infrastructure needs. Award-Winning Performance KFH continues to earn international recognition, including No. 1 Best Performing Bank in Kuwait in The Banker's 2026 Top 100 Arab Banks, Euromoney awards for Wealth Management, ESG and Digital Banking, World's Best Islamic Bank by Global Finance, and Best Digital Bank in Kuwait by MEED. Kuwait Economic Outlook Kuwait’s outlook reflects temporary pressure from regional conditions and oil disruptions. The IMF projects a 2026 GDP contraction, followed by a strong rebound in 2027 with a GDP growth forecast of 17.1% as energy production and transport are expected to normalize. Kuwait’s USD 122.7 billion pipeline of planned and unawarded projects offers significant longer-term financing potential. In Q3, power and gas represented more than 80% of project awards. Monetary and Banking Environment Inflation in Kuwait remained at 2.19% in July 2026. The IMF projects, on average, a moderate inflation of 2.2% in 2026 and 2.4% in 2027. The Central Bank of Kuwait maintained the discount rate at 3.5% in September. Legislative and Financial Developments The new Government Sukuk Law establishes a framework that can diversify sovereign funding, broaden the investor base and support a Sharia-compliant yield curve. The new mortgage financing law broadens bank participation and allows eligible beneficiaries to combine subsidized and unsubsidized financing for terms of up to 25 years. Both frameworks create promising opportunities for KFH as implementation progresses. Global Economic Backdrop The global economy remained resilient. In October, the IMF raised its 2026 global GDP growth forecast to 3.1%, while maintaining 2027 at 3.4%, supported by AI-driven investment.
KFH Shares its Vision for the Future of Digital Banking Services at MoneyTech 2026
Kuwait Finance House (KFH) announced its participation in the MoneyTech 2026 Forum, a leading annual event gathering prominent investment, business, and technology leaders from across the region. The event will take place on November 1, 2026, at The St. Regis Kuwait. KFH participation reflects its longstanding commitment to technology and digital innovation, as well as its role in supporting technological transformation, developing banking services, and enhancing customer experience. It also underscores the bank’s keenness to participate in forums which discuss the future of financial services. During the event, Deputy Group CEO Technology and Operations at KFH, Haytham Alterkait, will discuss digital transformation and artificial intelligence in the banking sector, two key drivers of competitive advantage and sustainable growth in today´s market. Alterkait will highlight the key pillars of digital transformation strategies. He will cover various aspects related to the bank, including its customers, infrastructure, services, and products, in addition to the importance of business and service continuity, regardless of challenging circumstances. The Bank’s participation in MoneyTech 2026 aligns with its ongoing efforts to support initiatives and events that advance the banking sector, driven by the expanding role of technology and digital transformation in boosting operational efficiency and delivering more advanced services. It also demonstrates the Bank’s commitment to meeting the aspirations of both retail and corporate customers by developing innovative solutions designed around the latest global industry trends. Organized by Al-Jarida newspaper, and marking its 5th edition, this year MoneyTech focuses on companies and institutions that have successfully navigated the exceptional challenges in global markets, maintained business continuity, and developed more agile operating models capable of delivering sustainable growth. The forum also brings together a group of investors, entrepreneurs, and technology leaders from various countries to discuss several vital issues. Notable discussions include investment strategies in fintech, repatriating regional wealth, and the opportunities provided by technological innovations to support economic growth and enhance market competitiveness.
