Germany
Malaysia
Turkey
Egypt
UK
Kingdom of Bahrain
KFH Rewards
KFH Rewards Prepaid Card is part of the KFH Rewards Program, where customers can earn 10 points for every KD 1 spent when using the card for all purchases, locally and internationally. Moreover, customers will receive 1,000 welcome points upon card issuance.
KFHOnline application
- Local & International transfers
- Open accounts and deposits
- Instant virtual cards issuance
- Buy and sell gold
- Cardless withdrawal and deposit
- Send and request money
Scan the QR code
A collection of services and tools to meet your requirements
In the news..
KFH Holds Q1 2026 Earnings Webcast
Kuwait Finance House (KFH) held the earnings webcast for highlighting the Group’s financial performance and results during Q1 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 commenced the meeting by shedding light on the Bank’s financial performance for Q1 2026. He said: "KFH reported this quarter a net profit of KD 176.5 million, reflecting a growth of 5% compared to Q1 2025. The earnings per share (EPS) reached 9.59 fils representing an increase of 5% compared to the same period last year. Net financing income reached KD 332 million, 4.1% increase compared to the same period last year. Total operating income for Q1 2026 increased to KD 496.4 million, supported by growth across all core business activities, representing an increase of 6.0% compared to the same period last year. Our cost-to-income ratio reached 31.4% during the first quarter of 2026, compared to 34% for the same period of the previous year, showcasing our commitment to operational excellence. The net operating income for this quarter stands at KD 340.6 million, reflecting an increase of 10.3% compared to the same period last year." He added:" The growth in financial indicators during the first quarter of this year reflects the Group’s sustained ability to achieve balanced growth amid the rapidly evolving and challenging operating environment at regional and global levels." AlShamlan pointed out that KFH also held its Ordinary and Extraordinary General Assembly meetings on March 30th, 2026, where shareholders reaffirmed their confidence and endorsed the Board of Directors for the next 3-year term (2026 to 2028). "In Q1 2026, KFH continued to strengthen its financial position, with total assets growing to KD 43.6 billion, a 1.9% increase from year-end 2025. Our capital adequacy ratio stands at 19.23%, exceeding regulatory requirements, which underscores our robust capital base. We have diversified our funding sources particularly in infrastructure and productive sectors. This reflects our dedication to driving sustainable growth and maximizing shareholder value," he explained. AlShamlan emphasized that KFH remains the largest listed company on Boursa Kuwait with a market capitalization of approximately KD 14.4 billion. We are proud to be recognized as the only Kuwaiti bank listed among the top five in S&P’s "Top 20 Middle East and Africa Banks. "Our commitment to empowering the local economy is evident as we provide efficient financing solutions that support the corporate sector while delivering financial services to the retail and SME sectors. This dual focus not only drives commercial growth but also reinforces our economic responsibility," he said. "At KFH, we recognize the importance of our role in the community, and we are dedicated to making a positive impact. This quarter, we contributed KD 2 million to a national debt-relief initiative, bringing our total contributions towards debt relief to approximately KD 61 million. Our efforts in Corporate Social Responsibility were recognized with the "World’s Best Islamic Bank for CSR" award from Global Finance, highlighting our leadership in sustainable practices," he added. He added that KFH’s operational efficiency remains a cornerstone of our strategy. "Our commitment to enhancing customer experience through competitive digital solutions has resulted in increased market share. We have invested in technology, ensuring seamless service continuity and high efficiency in delivering all banking services." He added that KFH strengthened its position in the international market, successfully issuing USD 1 billion in senior unsecured Sukuk under our USD 4 billion Sukuk program. This issuance reinforces the Bank’s financing capacity, enabling it to support infrastructure projects and facilitate clients' regional and international expansion. "As we move forward, despite recent geopolitical challenges KFH will continue to focus on strategic priorities: enhancing asset quality, improving financial performance, advancing our digital infrastructure, and elevating the customer experience all within a solid risk management framework. We are committed to maintaining our strong financial position while seizing market opportunities to drive future growth. Our strong financial performance in Q1 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: Group Chief Financial Officer, Abdulkarim Al-Samdan stated that KFH Group’s financial performance for the first quarter of 2026 demonstrated strong growth in core banking activities. highlighting the key financial performance indicators Regarding Q1 2026 financial highlights, he said: "For the quarter ended 31 March 2026, KFH reported net profit attributable to shareholders of KD 176.5 million, up 5.0% year-on-year, equivalent to 9.59 fils earnings per share for the quarter, compared with 9.13 fils adjusted for the bonus shares issuance." At the operating level, Net financing income was KD 332.0 million, up 4.1% year-on-year. Net operating income increased to KD 340.6 million, up 10.3% year-on-year. The reported Cost-to-income improved to 31.4%, from 34.0% in the same period last year. On the balance sheet, Total assets stood at KD 43.6 billion, Net financing receivables at KD 21.8 billion, and Total deposits at KD 21.4 billion. Relative to year-end 2025, both assets and deposits increased by 1.9%, while net financing receivables were broadly stable. Al-Samdan added: The main positive contributions were higher net financing income and higher fees and commissions. Net financing income increased by KD 13.1 million year-on-year, and fees and commissions income increased by KD 8.7 million. Together, these two items added KD 21.8 million in incremental income. Operating expenses also declined by KD 3.5 million, or 2.2%, providing further support to earnings and resulting in a positive operating leverage for the quarter. Other income was broadly stable. Al-Samdan noted that Q1 2025 included a KD 23.8 million gain on the sale of Ahli Bank Oman (ABO). That created a higher comparison base and should therefore be taken into account when assessing the year-on-year performance. Turning to the core income, Al-Samdan said that the total operating income reached KD 496.4 million, up 6% year-on-year. Within that, net financing income remained the largest component, representing 66.9% of the total operating income in Q1 2026. Net financing income reached KD 332.0 million, up 4.1% year-on-year, despite a more challenging margin environment. He added that net fees and commissions income increased to KD 58.5 million, up 17.5% year-on-year from KD 49.8 million. This reflects stronger customer activity and better contributions from cards, trade finance, and capital markets activity. Taken together, Al-Samdan emphasized that the income mix in Q1 2026 reflected higher core banking income, continued fee growth, elevated FX income, lower investment income and stable other income. Turning to cost and operating leverage, total operating expenses for the quarter were KD 155.7 million, down 2.2% year-on-year, contributing to the improvement in the reported cost-to-income ratio to 31.4%. Al-Samdan emphasized that the cost outcome reflects continued expense discipline across the Group, while preserving investment in controls, technology, and selected capabilities. The result was positive operating leverage despite inflationary pressure in Turkey. Al-Samdan also addressed asset quality and provisioning, where the Group NPF ratio stood at 1.90%, with provision coverage of 237.9%. He also added: the Group’s consolidated provision balance remained KD 526.2 million above the CBK IFRS 9 ECL. That provides a material buffer and is consistent with a conservative provisioning stance. Al-Samdan emphasized that Group management continues to review overlays, sector exposures, and stress assumptions regularly, particularly in light of macroeconomic and geopolitical uncertainty. He also touched on capital and liquidity. At quarter-end, the group’s capital adequacy ratio was 19.23%. On liquidity, the LCR was 250.55% and the NSFR was 123.03%. These metrics indicate a conservative liquidity position and a stable funding base in the current environment. He added that on funding, depositor accounts remained the largest funding source, representing 62% of the funding mix. Al-Samdan summarized the period’s performance, saying: Q1 2026 showed disciplined execution across earnings generation, cost efficiency, asset quality, capital strength, and liquidity. Net profit attributable to shareholders increased by 5.0% year on year, supported by a 10.3% increase in net operating income. Cost efficiency improved, capital and liquidity positions remained comfortably above regulatory minimum requirements, and provisioning remained conservative. 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 quarter. He said:"With the ongoing regional tensions, and market volatility, KFH maintained its position as Kuwait’s largest listed company representing 28.6% of total market capitalization, reflecting the strength of our fundamentals and sustained investor confidence." He added that the global economy enters 2026 with a higher degree of volatility, with the IMF projecting growth of 3.1% and inflation of 4.4%. Rising geopolitical tensions, trade disruptions, and higher energy and logistics costs are weighing on the outlook. While markets remain broadly orderly, global financial stability risks are elevated. "Kuwait’s economy, like others in the GCC , is facing pressure from regional tensions, reflected in shipping disruptions in the Strait of Hormuz, and higher transport and insurance costs. The impact includes the risk of production disruption and capacity utilization constraints. Kuwait is navigating geopolitical volatility within a long-term fiscal vision, supported by balanced public financial management and continued structural reforms," he explained. Al-Mukhaizeem said that the Central Bank of Kuwait maintained a prudent monetary stance in Q1 2026, keeping the discount rate unchanged at 3.50% to preserve monetary and financial stability. Inflation moderated to 2.4% in 2025 and eased further to less than 2.1% in March 2026, it is one of the lowest levels since mid-2020. However, it is expected to rise mainly due to higher import costs and other factors. The CBK introduced supportive measures to reinforce banking sector resilience, including easing liquidity requirements, and increasing lending capacity to support stability, credit growth, and broader economic activity. "KFH delivered solid performance in Q1 2026, supported by a strong balance sheet, disciplined risk management, and a diversified business model. This reflects the resilience of our core business and our ability to sustain quality growth in a complex operating environment," he added. Meanwhile, he explained that KFH continued advancing its digital transformation in Q1 2026 by expanding data-driven tools to improve decision-making, customer journeys, and personalization. "We also strengthened digital onboarding and expanded mobile and online banking capabilities to deliver greater accessibility, speed, and convenience and 24/7 availability of digital services, positioning KFH at the forefront of digital innovation in Islamic finance and supporting a more scalable operating model. Even during the recent geopolitical disruptions, all digital services remained fully available to clients." "KFH continues to strengthen its regional presence by deepening operational and service integration across core markets, including Turkey, Bahrain, Egypt & UK, offering seamless communication channels for customers. The Group is enhancing services and platforms through investments in banking technology and digital solutions, while supporting sustainable growth through Sharia-compliant financing for major projects," he added. "Looking ahead, KFH remains focused on sustaining a strong financial position, prudent risk management, and sustainable growth. We support Kuwait’s development through project and infrastructure financing, and regional integration. Our diversified model positions us well for resilience and long-term opportunity," Al-Mukhaizeem said. He added: "Amid the current regional tensions, KFH continues to operate from a position of strength, supported by a resilient business model, disciplined execution within its business continuity framework, and clear strategic priorities. We remain focused on preserving resilience, delivering sustainable growth, and creating long-term value."
KFH Named World’s Best Islamic Financial Institution by Global Finance
In a further milestone underscoring its global leadership in Islamic finance, Kuwait Finance House (KFH) Group has secured seven prestigious awards from Global Finance, as part of the 19th annual awards for the World’s Best Islamic Financial Institutions for 2026. The awards are: • World’s Best Islamic Financial Institution • World’s Best Islamic Corporate Bank • World’s Best Islamic Bank for CSR • World’s Best Islamic Project Finance Provider • Best Islamic Bank in Kuwait • Best Islamic Bank in Bahrain (KFH – Bahrain) • Best Islamic Bank in Turkey (KFH – Turkey) KFH Group Chief Strategy Officer, Eng. Fahad Al-Mukhaizeem, stated that the awards are the fruits of a well-defined strategy anchored on AI-driven digital transformation, group synergy, and customer centricity. He noted that this recognition provides further momentum to build on recent achievements and to strengthen the Group’s leading position in the global Islamic finance industry. He added: “These accolades are a testament to the Group’s continuous efforts to reinforcing sustainability, governance, and accelerating digital innovation, alongside delivering strong financial performance and achieving balanced, sustainable growth across its markets.” Al-Mukhaizeem further noted that the World’s Best Islamic Financial Institution for 2026 affirms KFH’s leadership in Islamic banking and its excellence in delivering innovative, Shariah-compliant products and services. It also reflects the Group’s success in executing its strategy for sustainable growth and its ability to navigate evolving economic conditions and operational challenges, supporting its ambition to be ranked among the top 100 banks in the world. Commenting on the awards; Best Islamic Bank in Kuwait, Best Islamic Bank in Bahrain (awarded to KFH-Bahrain) and Best Islamic Bank in Turkey (awarded to KFH -Turkey), Al-Mukhaizeem said that these recognitions reflect the consistent outperformance and strong positioning of the Group’s units across their respective markets. This success is driven by a unified and flexible strategy, carefully adapted to the specific dynamics of each market. He highlighted KFH’s standing as a leading global financial institution operating across a network spanning 10 countries, supported by robust financial strength and a strong competitive edge. This has led the Group to record profitability within the Kuwaiti banking sector and the wider market, in addition to leading all Kuwaiti private sector banks and companies in market capitalization, which has exceeded KD 15 billion. Meanwhile, Group Chief Corporate Banking Officer at KFH, Yousef Almutawa, said that the world’s Best Islamic Corporate Bank underscores growing international confidence in KFH’s capabilities and its excellence in fostering long-term strategic partnerships with corporate clients. He highlighted the Bank’s ability to deliver top-tier financial solutions that enable business expansion and strengthen competitiveness across local and international markets. Almutawa also noted that KFH continues to record outstanding performance in corporate banking, driven by strategic growth, market leadership, and innovation in Islamic finance. He shed light on the Bank’s role in leading a number of landmark deals that have reinforced its pivotal contribution to economic development. Speaking about the “Best Islamic Project Finance Provider” award, Almutawa indicated KFH’s leadership in financing major projects, underscoring its significant contributions to supporting key strategic sectors across Kuwait and the region. He highlighted the Bank’s position as a main financing partner for projects in oil and gas, infrastructure, urban development, and services, among other vital industries. He went on to say that KFH provides integrated corporate banking offerings, powered by digital transformation and flexible financing solutions. These services are tailored to the needs of diverse economic sectors that support sustainable development. “Through its online platform, eCorp, KFH provides an exceptional banking experience to its corporate clientele,” added Almutawa. “This platform has witnessed strong growth in user adoption, especially following the launch of the enhanced e-services and upgraded mobile application.” He also highlighted the Bank’s role as a strategic partner in supporting small and medium enterprises (SMEs), many of which have been established with KFH’s corporate financing solutions. Commenting on the “World’s Best Islamic Bank for CSR” award, KFH Head of Public Relations and Media, Yousef Abdullah Al-Ruwaieh, said that this achievement reflects the Bank’s exceptional efforts and highlights its tangible impact and leadership in corporate social responsibility across the markets in which it operates. It also represents a clear vision that positions CSR as a strategic pillar of KFH’s business model, reinforcing its standing as a leading financial institution that seamlessly integrates economic growth with sustainable social impact. He added that winning this award at the global level reaffirms the Bank’s leadership and distinguished position in integrating CSR at the core of its operations. This is demonstrated through a wide range of social initiatives spanning community development, education and healthcare support, youth empowerment, entrepreneurship, environment preservation, women’s empowerment, and the development of digital skills among children and youth in addition to voluntary activities. He added that the Bank adopts ESG practices and implements awareness and community-driven initiatives aligned with developmental goals, further cementing its position as a benchmark and pioneer in social responsibility. Al-Ruwaieh emphasized that this recognition marks a new addition to the distinguished track record of KFH and serves as a strong motivation to further expand its community initiatives and strengthen purposeful partnerships, driving long-term, sustainable value for society. He mentioned that KFH continues to play a leading national role in supporting social infrastructure and enhancing community well-being and quality of life through strategic initiatives and substantial investments in CSR. These long-term commitments reflect a forward-looking, sustainable approach that goes beyond the conventional concept of corporate social responsibility. Among the Bank’s most prominent strategic social initiatives are: - The contribution of over KD 61 million to defaulting debtors - The contribution of approximately KD 8 million for the reconstruction of the damaged area in Al Mubarakiya - A contribution of KD 20 million to build 15 ambulance centers - KFH also participated with a major share in the Covid19 Government Relief Fund amounting to KD 10 million - KFH supported a sustainable development Initiative of Al Wataniya Area in Kuwait City - Participating in the opening of the Addiction Treatment Center's tenth wing, an extension of the KFH’s original 2005 initiative to establish the center. - Pledging USD 20 million to Kuwait Red Crescent Society to support relief efforts for those affected by the earthquake in Turkey and Syria. - Various cooperation programs with the Kuwait Red Crescent Society, United Nations Development Programme, and the UN High Commissioner for Refugees. - Continuous leadership in in delivering social contributions to the Kuwait Foundation for the Advancement of Sciences (KFAS), the national manpower support program, and the Kuwait Institute of Banking Studies (KIBS), among other initiatives that reinforce KFH’s leadership in CSR. Meanwhile, Founder and Editorial Director of Global Finance, Joseph D. Giarraputo said: “As Islamic Finance continues its rapid growth, the leading organizations are focusing on digitalization, product innovation, and expanded banking services.” He added: “Global Finance’s annual awards honor the institutions that are improving efficiency, attracting new customers, and best serving their clients.” Awards criteria Global Finance relies on rigorous criteria. These include growth in assets, profitability, geographic reach, strategic relationships, new business development, and innovation in products. Other selection factors consider reputation, customer satisfaction, and the opinions of analysts and others involved in the industry. All selections were made by the Global Finance editorial team after extensive consultations with bankers, corporate finance executives, and analysts worldwide. Entry submissions from Islamic Financial Institutions were also considered. Global Finance Founded in 1987, Global Finance has a circulation of 50,000 and readers in 185 countries. Global Finance’s audience includes senior corporate and financial officers responsible for making investment and strategic decisions at multinational companies and financial institutions. Its website (GFMag.com) offers analysis and articles that are the legacy of 39 years of experience in international financial markets.
KFH Leads the Green Sukuk Issuance Market
In its report, “The Potential Growth and Future Trends of Green Sukuk as a Tool for Sustainable Financing,” the United Nations Development Programme (UNDP) highlights Kuwait Finance House (KFH) Group, through its Turkiye operations, as a key contributor to the development of green and thematic sukuk markets, reflecting its role in in advancing this segment of the market. The first-ever global Tier-2 Sustainability Sukuk issued by an Islamic bank The report spotlighted the success of KFH-Turkey, in issuing a global Tier-2 Sustainability Sukuk, which represents the first-ever global sustainability-linked sukuk ever issued by an Islamic bank. The issuance drew robust international interest, reaching an oversubscription of 12 times. KFH-Turkey allocated a substantial portion of the proceeds toward Shariah-compliant assets, specifically targeting the financing of green and social initiatives. Additionally, it mentioned the successful sustainability endeavors of KFH-Turkey, which is driven around its mission “We grow with our values”. In this regard, the bank adopts sustainability for its practices and embraces an inclusive approach comprising all its stakeholders. Innovative green finance instruments The report highlights KFH-Turkey’s experience in green sukuk as an illustration of evolving practice in the market. This milestone reflects KFH Group's leadership in pioneering innovative, Shariah-compliant green finance solutions. It also indicated that the KFH-Turkey experience once again confirms that Islamic finance is capable of leading sustainable finance globally, not only within traditional Islamic markets, and that strong institutional commitment to sustainability facilitates the attraction of international investors. The UNDP report highlights the expanding role of Islamic finance and Green Sukuk as innovative tools for financing sustainable development and addressing global environmental challenges-including climate change and biodiversity loss. It notes that while developing countries require annual investments of USD 5 to USD 7 trillion to achieve the SDGs, they face a persistent shortfall of over USD 2.5 trillion. Consequently, sustainable finance instruments, particularly Green Sukuk, have become essential to bridge this funding gap. The report also indicated that Green Sukuk emerged as Shariah-compliant key instruments whose proceeds are used exclusively to finance projects with positive environmental impact, such as renewable energy (solar, wind, and hydropower), energy efficiency, sustainable transportation, in addition to water and waste management. The Role of Green Sukuk in expanding investors pool The report also addressed the role of Green Sukuk in expanding the investor pool to include sustainability-focused investors alongside traditional investors, as well as their importance in enabling governments and corporates to finance climate-related projects without compromising Shariah principles. The report also revealed the development of the Green Sukuk market on the global front, noting that the landmark moment for Green Sukuk occurred in 2017. Despite the global economic slowdown in 2022, the Green Sukuk market resumed growth in 2023. However, Green Sukuk still represents a small share of the overall global bonds and Sustainable Sukuk markets, indicating substantial potential for growth. It is worth noting that “The Potential Growth and Future Trends of Green Sukuk as a Tool for Sustainable Financing” report is issued by the UNDP Istanbul International Center for Private Sector Development, alongside the UNDP Kuwait Country Office and KFH. The report aims to shed light on the emergence, market dynamics, and regulatory frameworks of Green Sukuk, offering a comprehensive guide to leveraging this instrument as a pillar of sustainable finance.
KFH Capital Named the Best Investment Bank in the Middle East and the Best Debt Capital Markets Bank in the Middle East
KFH Capital, the investment arm of Kuwait Finance House (KFH) Group has won two prestigious awards from Global Finance magazine in the 27th annual World’s Best Investment Banks. The company bagged the Best Investment Bank in the Middle East and the Best Debt Capital Markets Bank in the Middle East awards for the year 2026. The accolades are in recognition of KFH Capital’s pioneering position and leadership in providing innovative and integrated investment solutions. This has helped the company to emerge as the preferred choice for investors, distinguished by its capacity to provide investment opportunities with high value and quality and are tailored to the market needs where the company operates. Global Finance, with input from financial experts, used a series of criteria to score and select winners based on a comprehensive assessment method and a specialized algorithm. These criteria include market share, deal volume and size, service and advisory quality, structuring capabilities, and efforts to address market conditions. Additionally, the evaluation considered innovation, pricing, post-IPO market performance of issuances, and the company’s reputation within the capital markets. The awards underscore the company’s strong standing both locally and regionally, in addition to its solid performance and strategy. This recognition serves as a motivation to maintain the company’s success and continue delivering innovative financial and investment solutions. KFH Capital highlighted the significance of maintaining the track record of excellence, marked by the company’s outstanding investment offerings, especially in Sukuk structuring and issuance, which has evolved into a globally recognized instrument across international markets. KFH Capital will continue its efforts to extend financing solutions for corporates and governments through Shariah-compliant financial products. The company will also cater its investment services to retail customers with the aim of generating the best returns. The company reaffirmed its commitment to operational excellence and efficient resource management, noting that investing in human capital is essential for achieving balanced growth. The company also stressed the importance of capitalizing on market trends and investment products to enhance corporate capacity and manage risk. By prioritizing professional performance, the company can achieve top-tier financial results and solidify its position in the market. It is worth noting that KFH Capital has a strong presence in investment funds. The company offers a wide range of Shariah-compliant investment funds, tailored to the needs of different investment goals and segments. These offerings include equities, fixed income markets and alternative investments, supported by experienced teams with solid investment approach that relies on deep analysis, risk management and sustainable value. KFH Capital’s position in asset management is further cemented by its position as a trusted partner in investment solutions. This is achieved through delivering highly managed portfolios to institutions and high-net-worth clients according to strategies that align clients’ investment objectives and risk appetites, contributing to stable returns over the medium and long term. Additionally, the company offers a comprehensive suite of brokerage services across local, regional, and international markets, supported by a robust operational infrastructure. This enables clients to efficiently access investment opportunities and execute transactions with high levels of efficiency and flexibility, enhancing their ability to make well-informed and timely investment decisions. Meanwhile, Global Finance Founder and Editorial Director, Joseph D. Giarraputo, stated: “The 2026 World’s Best Investment Bank honorees are the organizations that best serve their clients by pairing trusted advice and global reach with innovation and disciplined execution, while setting the standard for excellence, resilience, and leadership across the global investment banking landscape.” About Global Finance Founded in 1987 and headquartered in New York, Global Finance has a circulation of approximately 50,000 readers across 185 countries, territories, and districts. Its audience includes senior corporate and financial decision-makers at multinational companies and financial institutions. The magazine’s website, GFMag.com, offers in-depth analysis and commentary drawn from nearly four decades of experience in international financial markets.
