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In the news..
KFH: Pioneering Efforts to Promote Financial Literacy
Reinforcing its leadership in financial literacy and social responsibility, Kuwait Finance House (KFH) continues to spearhead the national "Diraya" awareness campaign. Launched by the Central Bank of Kuwait and the Kuwait Banking Association, the initiative sees KFH deploying innovative tools and strategic outreach to strengthen financial and banking awareness across the community. Awareness pillars KFH geared its awareness plan towards several pillars to support Diraya campaign in response to the growing digital challenges, particularly cybersecurity and data security. Promoting financial literacy KFH increased its awareness messages which urged customers to refrain from responding to messages with suspicious links or sharing OTP or passwords with third parties. KFH also emphasized that banks never request personal customer information through links or phone calls. KFH’s efforts played a prominent role in promoting financial literacy and increasing awareness as well as advising customers to remain vigilant of the cyber fraud modern methods to avoid falling victim to such practices. Furthermore, KFH advised customers to disregard any requests for banking details made through phone calls or social media, identifying such solicitations as fraudulent efforts to steal personal data and account information. Additionally, KFH continued its awareness initiatives encouraging customers to verify the authenticity of websites prior to entering any personal information. AI-powered fraud attempts KFH intensified its efforts to warn the public against new fraud attempts that involve the use of advanced AI tools to replicate the voices of real individuals with a high degree of accuracy. These voice imitations are used to contact friends or family members through phone calls or social media, often accompanied by urgent requests to transfer money. The lifelike nature of these interactions may give the impression of authenticity and credibility. KFH called for the highest levels of caution and urged customers to verify the identity of the person requesting a financial transaction. Internal awareness KFH’s endeavors to warn against fraud attempts encompassed sharing awareness emails to its employees. These emails present concise and engaging content aiming to raise awareness of cyber fraud risks and warn against suspicious calls that seek to deceive employees and obtain their information. Initiatives and forums KFH also continued its active participation in initiatives that promote banking awareness, including its support for Kuwait's largest cybersecurity hackathon for the third consecutive year. During the event, KFH highlighted the concept of fraud in general and cyber fraud in particular, addressing its various forms that pose risks to individuals and society. Moreover, KFH participated in the 12th eGovernment Forum titled “AI-Powered Information Security Services”, demonstrating its role in reinforcing cybersecurity. Digital channels KFH recorded a significant milestone in its awareness efforts for Diraya campaign, leveraging its digital channels and official social media accounts as educational and awareness platforms for the public. Through these channels, KFH delivered distinctive awareness content. With the introduction of its new digital services, KFH published a series of successful awareness messages on these newly launched services such as instant issuance of prepaid and credit cards, WAMD service, and instant transfers through the gulf payment system, AFAQ. The Bank also released several educational videos on how to use and benefit from digital financial solutions available on KFHOnline, which can be viewed through its official social media accounts @kfhgroup. Financial awareness for kids As part of its support for the Diraya campaign, KFH partnered with Hzaya Bookstore, which specializes in children's books, to launch content dedicated to children. The initiative aims to raise awareness and teach children the basics of early savings and financial planning In cooperation with Hzaya, KFH also organized an innovative, practical, and interactive program for Baiti account customers. Social engagement and measurable impact Reaffirming its leadership in supporting Diraya campaign, KFH continued its initiatives to measure banking awareness among the public through several programs and activities. These included awareness initiatives for its PR Academy participants, Kuwait University students, students participating in Ma’a Attalaba competition, as well as participants in the Derasti Exhibition, held at Kuwait International Fair in Mishref. KFH also organized awareness programs for CODED Academy students during the Bank’s participation in the Kuwait Codes initiative. Record engagement levels KFH’s efforts in supporting Diraya campaign resulted in achieving record engagement levels, with awareness messages reaching millions of followers. This contributed effectively to changing financial behavior toward greater caution and awareness. It is also worth noting that KFH, through its leading role in Diraya campaign, reiterates its pivotal role in prioritizing customers and public safety. Additionally, the success in spreading digital and banking awareness reflects KFH’s pioneering vision of transforming its platforms into educational channels that contribute to creating a safe and sustainable financial environment.
Al Marzouq: KD 632.1 million Net Profit Attributable to KFH Shareholders for the Year 2025, an Increase of 5.0%
Chairman of Kuwait Finance House (KFH) Hamad Abdulmohsen Al Marzouq said that, by the grace of Allah, KFH has reported net profit of KD 632.1 million attributable to the shareholders of the bank for the year 2025; an increase of 5.0% compared to last year. These historic profits are the highest in the Kuwaiti banking sector. Earnings per share reached 35.64 fils for the year 2025, an increase of 5.8%, compared to last year. Net Financing income for the year 2025 reached KD 1.3 billion; an increase of 11.5% compared to last year. Net operating income reached KD 1.2 billion, an increase of 10.7% compared to last year. Financing receivables reached KD 21.8 billion, an increase of KD 2.7 billion, or 14.4%, compared to last year. Total assets reached KD 42.8 billion for the year 2025, an increase of KD 6.1 billion, or 16.5%, compared to last year. Total shareholders’ equity reached KD 5.7 billion for the year 2025, an increase of KD 228 million, or 4.1%, compared to last year. Depositors’ accounts reached KD 21.0 billion for the year 2025, an increase of KD 1.8 billion, or 9.4%, compared to last year. The capital adequacy ratio reached 19.81%, exceeding the minimum requirement of regulatory authorities. This demonstrates KFH`s strong capital base. The Board of Directors considered the distribution of cash dividends to shareholders of 24% (including 10% in H1 2025 and a proposed 14% cash dividend for year‑end). The Board of Directors also considered the distribution of bonus shares of 7% after the approval of the General Assembly and the competent authorities. Record results Al Marzouq stated that KFH’s robust performance at year-end 2025 underscores a steadfast commitment to its long-term strategy. This roadmap focuses on driving sustainable growth, fortifying liquidity, capital, and risk management, and securing a position among the world’s top 100 banks. He further noted that the record-breaking profits, unprecedented in the Kuwaiti banking sector, reflect KFH’s market leadership and its resilience in navigating economic shifts across global markets. He pointed out that KFH is a leading global economic entity with a presence across half of the world`s continents, supported by an international network of over 650 branches. He further explained that the Group’s extensive geographic footprint and diversified revenue streams have significantly bolstered operational performance, delivering solid results for both shareholders and customers. Leading the competition Al Marzouq stated: "KFH’s vision centers on the continuous development of leaders capable of driving transformation and achieving success. We place a high priority on Kuwaiti talent, ensuring they receive the best opportunities for recruitment and professional training. Furthermore, he highlighted KFH’s successful efforts in expanding Private Banking and Wealth Management, as well as its investment in modern banking technology. By accelerating digitalization and developing innovative products, KFH provides outstanding customer experience and solidifies the Group’s competitive leadership and sustainable growth amidst rapid changes in the global and regional banking sectors." Economic growth support Al Marzouq highlighted that KFH continues its leading role in supporting economic growth through an integrated program. This approach is not limited to providing outstanding banking services and promoting financial inclusion; it also extends to supporting the State’s ambitious economic vision for a more stable and prosperous financial future. By diversifying the national economy and achieving sustainable development in line with Kuwait Vision 2035, KFH participates in financing mega-projects in infrastructure, energy, oil and gas, and urban development. Furthermore, the bank provides credit facilities to Kuwaiti corporates and SMEs, recognizing their vital societal and economic roles. Largest facilities agreement Al Marzouq highlighted the signing of a KD 1.5 billion credit facilities agreement for the Kuwait Petroleum Corporation, the largest KD-denominated deal of its kind. The Islamic finance tranche accounted for KD 675 million of the total, with KFH, the lead strategic partner for the oil sector, contributing KD 405 million. Positive assessment He noted that KFH’s strategy focuses on operational excellence and maintaining positive assessments and stable outlooks from global rating agencies. Notably, KFH ranked 1st for Best Performing Bank in Kuwait, for The Banker’s Top 1000 Global Banks Rankings 2025. Additionally, the bank remains a constituent of the FTSE4Good Index Series and holds an 'A' rating on the MSCI ESG Index. Sustainability and societal leadership Al Marzouq stated that KFH has added several new initiatives to its distinguished record of community contributions. Key highlights include a KD 15 million donation to build and equip a specialized heart disease center, the opening of a tenth ward at the Addiction Treatment Center, and support for the development of Al Wataniya area in Kuwait City. Furthermore, KFH released its fifth Sustainability Report, highlighting its proactive social responsibility efforts, alongside its third Carbon Footprint Report, which provides a comprehensive assessment of the environmental impact of its operations. Solid operational performance Meanwhile, KFH Group CEO, Khaled Yousef AlShamlan said that the financial results confirm the Group's robust operational efficiency. He added that the agility of KFH’s executive policies and procedures has enabled the bank to enhance operations, maintain its leadership in highly competitive markets, and capitalize on available opportunities by leveraging its experienced workforce and creative young talent. Dynamic business model He added: “We remain committed to fostering innovation and delivering value for our shareholders and customers, while ensuring sustainable growth and profits. This commitment enables us to lead the evolution of banking solutions by leveraging our flexible business model and core strengths, including a clear strategic vision, robust corporate governance, and diversified income streams. Supported by a broad customer base and efficient financial management, we aim to consistently enhance both profitability and customer experience.” Billion-Dollar Sukuk AlShamlan highlighted the successful issuance of USD 1 billion in Senior Unsecured Sukuk with a five-year tenor. This marks the third issuance under KFH`s USD 4 billion Sukuk Program. He indicated that the objective of the issuance is to strengthen long-term funding sources and support the bank’s operations. 600 million digital banking transactions He affirmed that KFH accelerated its digital transformation and innovation journey in 2025, making tangible progress in its value proposition and the expansion of its partnerships. Key milestones included global remittance initiatives through collaborations with Western Union and Afaq system. KFH has further diversified its financing solutions by launching "Zafafi”, a product tailored for marriage expenses, introducing virtual cards, and developing digital services on e-Corp mobile app. Furthermore, the bank expanded its digital offerings to include online financing, gold investment, and financing against gold account collateral. It also enhanced its smart branch services, bringing the total number of digital services on the KFHonline app to over 200. He pointed out that KFH customers performed over 600 million digital banking transactions in 2025, a milestone that underscores their confidence and reinforces the bank’s leadership in delivering future-proof financial solutions. Investment in human capital AlShamlan underscored KFH’s commitment to investing in human capital and fostering a work environment that sparks creativity and innovation. He highlighted that KFH earned 9 prestigious awards from the Brandon Hall Group and achieved significant milestones in the recruitment of national talent. Furthermore, the bank has dedicated thousands of training hours to its staff, whom it regards as its most valuable asset and the cornerstone of its success. 58 awards He explained that, as a testament to the Group's successes across all sectors, KFH garnered 58 awards in 2025. Key highlights include being named “World`s Best Islamic Bank” by Global Finance and “Bank of the Year – Kuwait” by The Banker. KFH also secured titles for Most Innovative Islamic Bank in Kuwait, World’s Best Islamic SME Bank, and Best Islamic Private Bank- Digital Innovation 2025, alongside numerous other accolades from prestigious international bodies. Thanks and appreciation AlShamlan expressed his appreciation for the trust of shareholders and customers, as well as the unwavering support of the Board of Directors. He praised the Executive Management and all employees for their dedication and tireless efforts, which serve as the cornerstone in strengthening the bank’s position and its future as a leading global Islamic financial institution.
KFH and UNDP join forces to accelerate sustainable growth for SMEs
Kuwait Finance House (KFH) launched the “Growing Sustainably” Training Program for SMEs to support sustainable business practices in line with Kuwait Vision 2035 in partnership with the United Nations Development Programme (UNDP). Through this training, KFH and UNDP will equip SME founders, Chief Executive Officers (CEOs), and Managing Directors with practical tools to improve operations, assess sustainability readiness, and prepare for sustainable financing opportunities. Group Chief Corporate Banking Officer at KFH, Yousef Al-Mutawa said “At KFH, we view SMEs not merely as clients, but as essential partners in Kuwait’s economic development and diversification.” He mentioned that KFH has reaffirmed its strong commitment to SMEs, highlighting their vital role in building a resilient, competitive, and diversified national economy aligned with Kuwait Vision 2035. Al-Mutawa stated that this training program reflects a forward-looking mindset, one that goes beyond day-to-day operations to focus on long-term growth, adaptability, and sustainability in an increasingly dynamic market environment. “SMEs represent nearly 90 percent of all businesses in Kuwait, with an estimated 25,000 to 30,000 active companies operating across key sectors, including trade, hospitality, construction, and industry, beyond their scale. SMEs are a major driver of economic dynamism. They play a central role in job creation, respond swiftly to evolving market needs, and continuously innovate to remain competitive,” added Al-Mutawa. He continued saying, “As Kuwait advances its diversification agenda under Vision 2035, the resilience, efficiency, and competitiveness of SMEs will be decisive in shaping the country’s future economic landscape, this is precisely why SMEs occupy a central position in KFH’s long-term growth strategy.” Al-Mutawa indicated that from a business perspective, sustainability is fundamentally about how effectively a company manages its resources, anticipates risks, and prepares for future opportunities ensuring continuity, stability, and long-term value creation. He reiterated KFH’s dedication to supporting SMEs, enhancing their current business capabilities, and ensuring they are well‑positioned for long‑term, sustainable growth. He added, “Sustainability has become a fundamental business capability rather than a passing trend. SMEs that manage resources efficiently, strengthen governance, and plan for long-term risks are more resilient and better positioned for sustainable growth. During his opening remarks at the launch of the training program, Zein AlAbdeen Itani, Acting Deputy General Manager of SMEs at KFH, noted that this initiative reflects a shared belief in the critical role SMEs play in Kuwait’s economic future. He highlighted that KFH and UNDP aim to equip participants with clear guidance, practical tools, and relevant frameworks tailored specifically to the needs and realities of SMEs operating in Kuwait. He emphasized that new models of sustainable and green financing continue to emerge. He noted that SMEs capable of clearly articulating their current practices, identifying areas for enhancement, and demonstrating a genuine commitment to responsible business will be better positioned to access these evolving financing opportunities. “SMEs that engage in these practices can expect to enhance their competitiveness in local and regional markets, build stronger, more transparent relationships with banks and business partners, and improve access to future financing and investment opportunities”, Itani concluded. Meanwhile, UNDP Resident Representative in Kuwait, Ms. Emma Morley said, “UNDP works in 170 countries worldwide, partnering with governments and the private sector to support the implementation of the 2030 Agenda for Sustainable Development and the Sustainable Development Goals. In Kuwait, our work aligns closely with Kuwait Vision 2035, including supporting financial institutions and businesses to shape markets that generate long-term environmental, social, and governance value.” She added, “We are proud of our strategic partnership with KFH, which reflects a shared understanding that a strong private sector, with SMEs at its core, is essential to Kuwait’s economic transformation. KFH’s commitment to embedding sustainability into its operations demonstrates leadership in advancing inclusive growth, resilience, and employment, while positioning SMEs as key partners in achieving Vision 2035.”
KFH Advances Environmental Awareness and Sustainable Community Practices
Kuwait Finance House (KFH) participated in the Kuwait Sustainability Event in its fifth edition at Murouj, reaffirming its ceaseless efforts to promoting environmental awareness and reinforcing sustainable practices within the community. This year’s edition drew high participation from various entities and institutions, focusing on the SDGs and outlining practical frameworks for cross-sector sustainability in Kuwait via public-private partnerships. KFH is committed to participating in similar events to exchange expertise and highlight innovative solutions that enhance sustainable environmental practices. During the event, KFH showcased its environmentally friendly prepaid and credit cards, which are made from recycled materials. KFH further demonstrated its virtual cards available through KFHOnline app, which provides a sustainable alternative to traditional cards. This initiative reflects the Bank’s commitment to environmental responsibility and its keenness to deliver innovative and more sustainable financial solutions that combine innovative design, practical features, and a positive environmental impact. Affirming its leadership, KFH marked a year of significant success in 2025 by strengthening its standing in sustainability. This was achieved by integrating sustainability into the Group’s strategy and adopting ESG principles. These efforts align with Kuwait Vision 2035 and the United Nations Sustainable Development Goals (SDGs). KFH has further reinforced this vision through social initiatives, most notably the 'Keep It Green' campaign, which features a wide range of programs aimed at environmental protection and the optimal use of natural resources. It is worth noting that KFH achieved an “A” rating in the MSCI ESG Index and included in the FTSE4Good Index for its outstanding performance in ESG practices. KFH received the GSAS Gold level certification for KFH Auto showroom, becoming the first bank in Kuwait to achieve this distinction. Sustainability report In 2025, KFH released its fifth Sustainability Report, highlighting its pioneering initiatives in sustainability and social responsibility. Carbon footprint report KFH further released its third Carbon Footprint Report, which provided a comprehensive assessment of the environmental impact of KFH’s operations with the aim of supporting the Bank’s efforts in monitoring and measuring carbon emissions and improving performance.
