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In the news..
KFH Reports Net Profit Attributable to the Shareholders of the Bank of KD 363.1 Million for H1 2026
Chairman of Kuwait Finance House (KFH), Hamad Abdulmohsen Al-Marzouq announced that KFH achieved a net profit of KD 363.1 million for the first half of 2026 for the Bank shareholders, with an increase of 6.1% compared to the same period last year. Earnings per share for the first half of 2026 reached 18.86 fils; an increase of 4.9% compared to the same period last year. Net financing income for the first half of 2026 reached KD 649.4 million; an increase of 6.9% compared to the same period last year. Total operating income for the first half of 2026 increased, supported by the increase in all core activities to reach KD 990.5 million; an increase of 9.9% compared to the same period last year. As a result of disciplined cost management and expense optimization efforts, total operating expenses decreased by 2.1% compared to the same period last year. Consequently, net operating income increased to KD 687.9 million, reflecting a growth of 16.2% compared to the same period last year. Driven by the growth in total operating income and decrease in total operating expenses, the Group’s cost-to-income ratio improved to 30.6% during the current period, compared to 34.3% in the corresponding period of the previous year. Financing receivables at the end of the first half of 2026 reached KD 22.8 billion, an increase of 11.5% compared to the end of the first half of the previous year. Total assets amounted to KD 42.2 billion at the end of the first half of 2026, a growth of 9.7% compared to the end of the first half of the previous year. Shareholders’ equity for H1-26 amounted to KD 5.8 billion, an increase of 4.2% compared to the end of the first half of the previous year. Depositors' accounts for the first half of 2026 amounted to KD 21.6 billion, an increase of 9.4% compared to the end of the first half of the previous year. In addition, the capital adequacy ratio reached 17.47%, 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. Efficiency and Sustainability Al-Marzouq said that KFH has renewed the confidence of its shareholders and customers by continuing to achieve the highest profits in the banking sector and acquiring the largest share of total profits in the Kuwaiti market. This underscores the success of efforts to maximize asset utilization, improve resource allocation efficiency, and strictly execute the approved strategy and plans, ensuring sustainable growth and profitability while enhancing the strength of the Group's financial position. He highlighted that sustaining interim cash dividends provides shareholders with cash flow, boosting both the stock’s attractiveness and confidence in the bank. Operational performance Al-Marzouq added that despite recent global and regional geopolitical challenges and subsequent economic pressures, KFH's H1 results demonstrated its resilience and capacity to manage risks efficiently. These outcomes also confirmed its strong capital base, comfortable liquidity, and robust operational performance, driving sustainable growth across most key financial indicators and balance sheet items. Sustainable value Al-Marzouq emphasized that KFH’s strategy extends beyond profit generation to create sustainable, long-term value for customers, shareholders, and society. This commitment is driven by strategic investments in digital transformation, human capital development, and the continuous refinement of products and services to meet evolving market demands. National economy Al-Marzouq emphasized that KFH supports the national economy, noting that its corporate banking sector drove growth through local and cross-border operations while leveraging digital platforms to enhance operational efficiency. Concurrently, the retail sector performed strongly across its diverse product and service offerings, showcasing the bank's rapid adaptation to economic shifts and a strategy rooted in trust, flexibility, and a clear vision. Governance and Vision Al-Marzouq expressed confidence that the bank’s robust governance, long-term strategic vision, and commitment to responsible growth place it well to achieve leading market positions while continuing to deliver sustainable value to all stakeholders. Partnerships and CSR Al-Marzouq highlighted KFH’s major strides in social responsibility, emphasizing its active role alongside official bodies in supporting state development plans and community advancement. Central to these efforts is KFH’s strategic partnership with the Ministry of Justice to relieve heavily indebted citizens, contributing approximately KD 61 million since launching in 2019. The Bank also supported (Wajhni), the Ministry of Higher Education and Scientific Research’s national external scholarship campaign. To protect youth from drug abuse, KFH partnered with the Ministries of Interior, Social Affairs, Justice, and Health on the “A Nation Protects You” campaign. Finally, KFH signed a Memorandum of Understanding with the Ministry of Social Affairs to deepen community partnerships and foster sustainable development. In a testament to its community leadership and outstanding social impact, KFH has been named the World’s Best Islamic Bank for CSR 2026 by Global Finance magazine. Exceptional Performance Meanwhile, Group Chief Executive Officer of KFH, Yousef Khaled AlShamlan, said that KFH continued its strong upward trajectory in the first half of 2026, delivering growth in operating income, profits, financing, and deposits, while further strengthening its asset quality. "KFH posted year-on-year growth across all core business sectors, underscoring the bank’s high operational efficiency and its continued success in executing its strategic goals," he added. Solid capitalisation AlShamlan said that the Bank has sustained its growth momentum by leveraging a resilient business model and maintaining robust capitalization. Furthermore, the Bank continues to outperform the Kuwaiti banking sector in net profitability while setting benchmarks in digital transformation and integrating sustainability across operations. This drive for development has successfully expanded the Bank's customer footprint, aligned services with evolving customer aspirations, and earned their trust. Credit capabilities AlShamlan underscored KFH’s ongoing commitment to backing the national economy and the regional markets where the Group operates by steadily expanding its credit capabilities. By capitalizing on the synergy of its vast international network of more than 600 branches across 10 countries, KFH continues to deliver critical financing for major infrastructure developments as well as the SME sector. He added that this reflects growing customer confidence, which diversifies income streams and enhances financial sustainability. AlShamlan also emphasized ongoing efforts to maintain consistent performance across all business sectors and respond efficiently and flexibly to market fluctuations, strengthening KFH's position as a trusted financial partner. Leadership AlShamlan noted KFH ranked first in Kuwait and 12th regionally on Forbes' list of the 100 largest public companies by market value. According to S&P Global Market Intelligence, its market capitalization reached $44.69 billion by the end of the first quarter of 2026, placing it among the top five banks in the Middle East and Africa. It was the only Kuwaiti financial institution to achieve a top five regional ranking. Human capital AlShamlan pointed out that KFH builds partnerships with global academic institutions to enhance employee capabilities, especially young national talent, creating leaders to achieve future aspirations. He highlighted this commitment by referencing the recent honoring of 100 employees who earned specialized professional certificates and graduated from Injaz scholarship program. A comprehensive digital transformation model AlShamlan explained that KFH continues investing in digital capabilities to enhance customer experience, boost operational efficiency, and mitigate risks. He noted that KFH successfully established its digital services as a primary banking option, processing over 600 million digital transactions annually and offering more than 200 integrated services through KFHonline. The bank's comprehensive digital transformation model builds upon its strategic vision, evolving customer needs, and tangible operational results. Global awards AlShamlan pointed out that KFH won more than 25 awards and rankings during the first half of the year in recognition of its banking excellence. These include the "World's Best Islamic Financial Institution" from Global Finance, the "Best Digital Bank" from MEED magazine, the "Kuwait's Best Private Bank" from Euromoney, and the "World's Best Islamic Corporate Bank" from Global Finance. Additionally, KFH received numerous other international accolades that reflect the Bank's leading position in the global banking industry. Key Financial Highlights – H1 2026 • Net profit attributable to shareholders: KD 363.1 million • Growth rate: 6.1% • Earnings per share (EPS): 18.86 fils • Net financing income: KD 649.4 million • Total operating income: KD 990.5 million • Net operating income: KD 687.9 million • Cost-to-income ratio: 30.6% • Financing receivables: KD 22.8 billion • Total assets: KD 42.2 billion • Depositors’ accounts balance: KD 21.6 billion • Capital adequacy ratio (CAR): 17.47%
KFH urges vigilance against fraudulent online links
Kuwait Finance House (KFH) warns customers to remain cautious when dealing with fraudulent online links, reaffirming its commitment to customer protection and secure banking practices. This warning comes as part of KFH’s ongoing support for the Diraya campaign, launched in collaboration with the Central Bank of Kuwait (CBK) and the Kuwait Banking Association (KBA) to promote banking awareness. In a press release, KFH stated that the new form of online scam involves sending a message with a suspicious link tricking victims to click the link to visit a particular website or participate in a survey. Once they click the link, their devices will be hacked, enabling the hacker to access and exploit their personal data for harmful purposes. KFH urged customers to stay vigilant and refrain from disclosing their personal information to requests received through e-mails, text messages, or phone calls, as they are attempts to obtain customers' banking information to steal their funds or data. KFH advised customers to be careful when receiving links as these links could lead to theft of sensitive banking information. The bank also recommended that customers protect their bank accounts by avoiding the storage of confidential information, such as card numbers or passwords, on their mobile phones. Additionally, customers were urged not to share their OTP with anyone and to log out of the bank's application or website promptly after finishing a transaction.
KFH Wins Three Euromoney Awards for Excellence 2026 in Wealth Management and ESG
Kuwait Finance House (KFH) has been recognized with three prestigious accolades at the Euromoney Awards for Excellence 2026, winning Middle East's Best Islamic Bank for Wealth Management, Kuwait's Best Islamic Bank for Wealth Management, and Kuwait's Best Islamic Bank for ESG. The awards highlight KFH's continued success in advancing Islamic wealth management and embedding environmental, social and governance (ESG) principles across its business, reflecting the bank's commitment to innovation, customer excellence and sustainable value creation. Leadership in Islamic Wealth Management In awarding KFH the titles of Middle East's Best Islamic Bank for Wealth Management and Kuwait's Best Islamic Bank for Wealth Management, Euromoney highlighted the bank's transformation of its Private Banking and Wealth Management (PBWM) business into a more integrated, advisory-led platform that combines banking, financing and investment solutions under Shariah principles. According to Euromoney, KFH consolidated its PBWM operations into a unified structure and introduced a new operating model aimed at enhancing client experience, strengthening investment capabilities and delivering more sophisticated Islamic wealth solutions. The transformation was supported by investment in specialist talent, technology and the continued development of KFH Capital, the bank's asset management arm. Euromoney noted that a key element of KFH's strategy was the redesign of its client coverage model through a specialized advisory framework bringing together relationship managers, investment specialists, financing specialists and account managers, enabling clients to access tailored expertise across their banking, financing and investment needs. The publication also highlighted KFH's focus on talent development, with PBWM teams completing advanced Moody's training, Chartered Institute for Securities & Investment (CISI) certifications and specialized Islamic wealth advisory programs. On the investment side, Euromoney pointed to the launch of KFH's global discretionary portfolio management (DPM) service, which is built around the bank's internal house view and asset allocation model and offers clients a diversified multi-asset investment approach through an open-architecture range of Shariah-compliant investment funds. Digital innovation also played a significant role in KFH's success. Euromoney cited the implementation of a new asset management system by KFH Capital to centralize fund and portfolio management, as well as enhancements to the KFH Wealth App and integrated investment portal, providing clients with improved real-time access to their portfolios. The introduction of the Allfunds platform in Kuwait further expanded access to a broader universe of Shariah-compliant investment opportunities. Euromoney added that KFH achieved record PBWM profitability and growth in investment assets under management during the review period, reinforcing the bank's position as Kuwait's benchmark for modern, advisory-led Islamic wealth management. Recognition for ESG Excellence KFH's award as Kuwait's Best Islamic Bank for ESG reflects the bank's comprehensive approach to sustainability and responsible banking. According to Euromoney, KFH applied a structured ESG framework across financing, operations and community investment, delivering measurable environmental efficiencies, expanded access to essential services and stronger governance oversight. The publication noted that ESG considerations were embedded in KFH's core banking activities through increased exposure to green and sustainability-linked sukuk, as well as financing for national infrastructure projects, including wastewater treatment facilities that support water reuse and resource efficiency. Euromoney also highlighted KFH's efforts to reduce energy consumption across its branch network by replacing conventional lighting with energy-efficient LED systems, upgrading heating and cooling systems, and introducing automated controls to improve operational efficiency. In addition, KFH delivered certified green buildings, including assets that achieved GSAS Gold and LEED Gold certifications, demonstrating measurable improvements in energy, water and waste performance while helping establish sustainability benchmarks for commercial real estate in Kuwait. On the social impact front, Euromoney recognized KFH's Creating Shared Value (CSV) platform, through which more than 200 initiatives were delivered. These included allocating KWD 8 million toward the reconstruction of Al Mubarakiya, covering 17 buildings, and KWD 18 million in support of a cardiac center. These initiatives were complemented by more than 3,000 volunteer hours, the distribution of over 18,000 Ramadan meals, and support provided to 1,680 families, contributing to healthcare, heritage preservation and essential community services. Euromoney further noted that KFH maintained strong governance standards through board-level oversight, comprehensive emissions measurement and the integration of ESG considerations into credit assessment processes, aligning sustainability objectives with risk management and capital allocation decisions. Commitment to Excellence The awards reflect the bank's unwavering commitment to innovation, customer-centricity, sustainability, and leadership in Islamic finance. The recognition further strengthens KFH's position as a regional leader delivering world-class Shariah-compliant financial solutions while contributing to sustainable economic and social development. The three Euromoney Awards for Excellence 2026 underscore KFH's ongoing success in setting new standards for Islamic wealth management and responsible banking, both in Kuwait and across the Middle East. Euromoney For over 50 years, Euromoney has been the trusted benchmark for excellence in global banking and finance, recognizing institutions that demonstrate outstanding performance, innovation, and client service. Euromoney’s Awards for Excellence have recognized financial institutions that set the global standard in performance, innovation and client impact.
KFH Wins Euromoney's Best Digital Bank Award in Kuwait
Kuwait Finance House (KFH) has been named the Best Digital Bank in Kuwait at the prestigious 2026 Euromoney Awards for Excellence. The accolade recognizes KFH’s continuous achievements in digital transformation and its strategic commitment to delivering an integrated ecosystem of advanced, sustainable digital banking solutions. By consistently elevating the customer experience, KFH continues to cement its leadership position in the banking sector. "This award reflects KFH's outstanding milestones in digital banking and the cumulative impact of our continuous investment in technology and innovation," said Haytham Alterkait, Deputy Group CEO Transformation, Technology and Operations at KFH. He emphasized that the bank is pursuing its plans for a comprehensive digital ecosystem, ensuring KFH delivers seamless, high-value services that align perfectly with modern customer needs. Alterkait added that KFH has successfully strengthened its digital presence by upgrading its technological infrastructure and expanding the scope of services provided across various digital channels and platforms, alongside smart branches and self-service kiosks. This has contributed to a qualitative leap in banking service standards, increased adoption rates, and enhanced both quality and operational efficiency metrics. He noted that KFH has built an integrated digital transformation model driven by a strategic, customer-first vision that yields measurable operational results. In 2025 alone, the bank processed over 600 million digital transactions and offered more than 200 fully digital services through KFHonline, further cementing digital banking as the preferred choice for its customers. Alterkait explained that KFH continues to stay ahead of rapid advancements in financial technology (FinTech), data engineering, digital product design, and smart solutions, all while maintaining the highest standards of quality, reliability, governance, and cybersecurity. These efforts drive operational efficiency, boost productivity, accelerate service delivery times, and ultimately strengthen customer satisfaction and trust. He emphasized that KFH remains committed to driving customer-centric digital innovation. By deploying advanced technology, upgrading its digital infrastructure, and strengthening its cybersecurity framework, the bank ensures the continuous delivery of a secure, cutting-edge, and sustainable digital banking ecosystem, cementing its market leadership and competitive edge. On corporate banking, Alterkait noted that KFH has continued to upgrade its eCorp platform with advanced, high-value systems. These integrations drive operational efficiency for businesses and institutions, keeping pace with their evolving needs while delivering seamless user experience. He emphasized KFH’s commitment to rolling out next-generation banking solutions, building on the proven success of its digital transformation strategy. This momentum further solidifies the bank's position as a leader in driving digital innovation across both Islamic finance and the broader banking sector. Award criteria The Best Digital Bank Award recognizes financial institutions that demonstrate excellence in leveraging technology to enhance customer experience and deliver tangible, measurable business impact. Entries are evaluated based on several key criteria, including the institution's overall digital strategy, investments in technology and innovation, product and service development, and improvements to the customer experience. Particular consideration is given to digital transformation initiatives, the adoption of emerging technologies, such as artificial intelligence, automation, and advanced analytics, and the extent to which these initiatives deliver tangible business benefits. Euromoney Awards for Excellence The Euromoney Awards for Excellence are among the world's most prestigious accolades in the financial services industry. They recognize institutions that showcase outstanding performance, cutting-edge innovation, digital capabilities, and a commitment to delivering lasting value to customers. For more than 50 years, Euromoney has served as the trusted global benchmark for the banking and finance sectors, honoring the organizations that consistently set the standard for global excellence.
