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In the news..
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.
KFH Strengthens International Presence and Shares Strategic Insights for Economic Development and Sustainable Growth
Kuwait Finance House (KFH) concluded its active participation in the 2026 Annual Meetings of the World Bank Group and the International Monetary Fund, hosted in Bangkok, Thailand. The Bank was represented by a high-level delegation led by the Chairman of KFH Group, Hamad Abdulmohsen Al-Marzouq, and Group Chief Executive Officer, Khaled Yousef AlShamlan, alongside several senior executive leaders. As KFH's participation underscored its influential presence at major international financial forums, the Bank presented strategic insights on economic development trends, rapid market shifts, and emerging regional opportunities. It also highlighted the expanding role of Islamic finance in supporting financial stability and funding sustainable growth, while reinforcing partnerships with international financial and investment institutions. High-Level Meetings KFH delegation took part in a series of meetings and discussions that brought together finance ministers, central bank governors, senior executives, and representatives of international financial and investment institutions. Participants discussed key global economic and financial developments, growth prospects, and ways to enhance the resilience of the banking sector in supporting sustainable development. Strengthening Partnerships and Showcasing a Pioneering Experience During the meetings, KFH showcased its pioneering experience in Islamic finance, digital transformation, financial innovation, and customer experience enhancement. It also highlighted its role in delivering innovative banking and financing solutions that drive economic development and bolster financial stability. The Group’s delegation affirmed that participating in these global meetings presents a valuable opportunity to strengthen relationships with international financial institutions and stay abreast of best practices and emerging trends across the banking sector. This reinforces the Group’s ability to capture high-value opportunities, boost its competitive edge, and generate sustainable value for customers and shareholders. Active Participation in the GCC-Asia Economic Forum Chairman of KFH and Chairman of Kuwait Banking Association (KBA), Hamad Abdulmohsen Al-Marzouq, participated in a panel discussion titled “Banking, Investment and Digital Infrastructure” at the GCC-Asia Economic Forum, held at the United Nations Conference Centre in Bangkok on the sidelines of the IMF and WBG annual meetings. During the session, Al-Marzouq highlighted the growing strategic importance of relations between GCC countries and Asia, as well as the pivotal role of the banking sector in fostering economic integration between the two regions. KFH Group CEO, Khaled Yousef AlShamlan, also participated in a panel discussion titled “Core Banking and Balance Sheet Partnerships”. The session addressed expanding banking cooperation between GCC countries and Asia, rising trade flows, and the growing demand for Sharia-compliant financing solutions. The forum was attended by a distinguished group of senior officials and decision-makers, including GCC Secretary-General, Jasem Mohamed AlBudaiwi; the Minister of Finance of Kuwait, Dr. Yaqoub Yousef Al-Rifai; and the Governor of the Central Bank of Kuwait, Basel A. Al-Haroon. Also in attendance were central bank governors, GCC ambassadors, and leaders of financial, investment, and technology institutions from across the Gulf and Asia. KFH delegation also participated in the Kuwait Banks Reception, organized by the Kuwait Banking Association under the patronage of Central Bank of Kuwait Governor Basel A. Al-Haroon. The event was attended by governors of Arab central banks, chairpersons of Kuwaiti banks, senior financial and banking executives, as well as prominent international economic figures. The reception is one of the most prominent side events held alongside the Annual Meetings, serving as a platform to exchange views and expertise, as well as discuss regional and global economic and financial developments and challenges. Participation in Kuwait Embassy Reception The KFH delegation attended a luncheon hosted by the Embassy of the State of Kuwait to the Kingdom of Thailand, in the presence of H.E. Dr. Meshal Al-Mansour, Ambassador of the State of Kuwait, alongside several government officials and Kuwaiti banking executives. The delegation also attended reception events hosted by various GCC central banks. Seven Global Awards from Global Finance On the sidelines of the IMF and World Bank meetings, KFH Group delegation received seven prestigious awards as part of the 19th edition of the World’s Best Islamic Financial Institutions Awards for 2026, presented by Global Finance magazine. The awards reaffirm the Group’s leadership in the Islamic finance sector and the success of its strategy in achieving sustainable growth and enhancing its global presence. The awards included: World’s Best Islamic Bank 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 Delegation KFH delegation included Chairman of the Board Hamad Abdulmohsen Al-Marzouq, Group CEO Khaled Yousef AlShamlan, Deputy Group CEO Treasury and Financial Institutions David O’Loan, Chief Treasury Officer – Kuwait Ahmad Al-Sumait, KFH Capital CEO Abdullah Al-Haddad, Head of Group Public Relations and Media Yousef Al-Ruwaieh, CEO of KFH-Turkey Ufuk Uyan, and Deputy Group CEO-Treasury and Investments at KFH -Bahrain Bassam Aali. The Annual Meetings of the World Bank Group and the International Monetary Fund are among the most prominent global economic events, bringing together decision-makers and leaders from financial and economic institutions to discuss key global economic challenges and chart the path for future growth and sustainable development.
KFH Recognized as Kuwait's Top Private Sector Institution for Manpower Nationalization
The Council of Ministers of Labour and Social Affairs in GCC States honored Kuwait Finance House (KFH) during a special ceremony held under the patronage of the GCC Ministers of Labour and Social Affairs in Manama, Bahrain. This honor is in recognition of the Bank’s excellence in nationalizing its manpower, its training programs, and its pioneering efforts in attracting and developing national talent across Kuwait’s private sector. KFH was recognized at the 12th Meeting of the GCC Committee of Ministers of Social Affairs and Social Development, held in the presence of senior regional officials and decision-makers, led by the Deputy Prime Minister of the Kingdom of Bahrain, Shaikh Khalid bin Abdulla Al Khalifa, alongside the Secretary-General of the GCC, Jasem Mohamed AlBudaiwi; Minister of Social Affairs, Family and Childhood Affairs, Dr. Amthal Al-Huwaila; and Ambassador of the State of Kuwait to the Kingdom of Bahrain, Jassim Ibrahim Al-Najem. This recognition underscores the Bank’s leading position in advancing national employment and human capital development. Following receiving the honorary plaque, KFH Acting Group Chief Human Resources Officer, Ahmad Alhammad expressed his pride in the recognition. He noted that it serves as an official acknowledgment of the bank’s pioneering efforts in developing national human capital and advancing nationalization programs. He further affirmed KFH’s commitment to ongoing collaboration with relevant authorities to expand training and qualification opportunities for national talent, raising their academic and professional capabilities in line with global best practices. Top private sector institution for manpower nationalization Alhammad explained that KFH’s selection as Kuwait’s top private-sector institution for manpower nationalization followed precise criteria and advanced performance indicators. According to official data and classifications, these benchmarks reflected the bank’s outstanding achievements in Kuwaitization ratios as well as its training and development programs. He pointed out that KFH takes pride in being the top employer of national talent across Kuwait’s banking sector and the broader private sector. Over recent years, Kuwaitis have accounted for 98% to 100% of all new hires, driving KFH`s overall Kuwaitization ratio to 83%. Alhammad reiterated that KFH will maintain its efforts to further elevate Kuwaitization ratios in line with regulatory guidelines, with a strong focus on increasing national talent in executive and leadership roles. He noted that Kuwaitis currently hold approximately 76% of the bank's leadership positions. Meanwhile, Alhammad noted that KFH continues to make tangible progress toward its sustainability goals related to human resources. This is being achieved by embedding principles of transparency, developing professional policies, and strengthening adherence to Environmental, Social, and Governance standards, contributing to building a sophisticated corporate culture and reinforcing the bank’s core values. He added that KFH is committed to empower women across all departments and job levels, reflecting the bank’s belief in their role in driving economic and social development. Women hold numerous senior executive roles at the bank, demonstrating exceptional expertise in managing different roles and responsibilities. Currently, women make up roughly 32% of KFH's branch workforce. Recognition criteria Recognition was based on several criteria. Each GCC member state nominates private-sector institutions that have recorded high and advancing ratios of nationalization, employ a significant number of national staff, and offer suitable training and development opportunities for the national workforce. The quality and availability of benefits and incentives that support the retention of national employees are also considered. As part of the selection process, a specialized committee is established under the supervision of the Ministry of Labour and Social Affairs, in collaboration with the chambers of commerce and industry and other relevant bodies. The committee assesses each nominated organization against statistics and specified eligibility standards. Awards and recognitions Group has earned widespread recognition and awards for its leadership and excellence in human resources and talent development. In 2026, The Group won seven prestigious awards, including five recognitions in the 23rd edition of the Stevie Global Awards, along with two awards from the Association for Talent Development (ATD). This achievement reflects KFH’s success in creating a progressive workplace culture, driving HR innovation, enhancing the employee experience, and committing to continuous learning, development, and growth. The awards include: KFH Kuwait – 2026 Stevie Awards for International Business Awards: - People Data & Analytics at Scale - Achievement in Environment, Social, and Governance (ESG) - Data‑Driven Candidate & Internal Mobility Experience Kuveyt Türk – 2026 Stevie Awards for Great Employers: - Talent Acquisition Ecosystem - AI Powered English Skills Development Platform Kuveyt Türk – 2026 ATD Middle East Excellence Awards: - Competency Development Centre - AI‑Driven Learning Transformation This international recognition highlights KFH Group's leadership in human resources development and underscores its ongoing commitment to investing in human capital as the foundation for sustainable growth and organizational excellence. Key Figures: - 98% to 100% of new hires in recent years were Kuwaiti nationals. - 83% overall Kuwaitisation ratio. - 76% national representation in leadership positions. - 32% female representation across KFH branches.
