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In the news..
KFH Reinforces CSR Leadership through Strategic Sustainable Initiatives
Kuwait Finance House (KFH) Head of Group Public Relations and Media, Yousef Abdullah Al-Ruwaieh, emphasized that KFH continues to lead in social responsibility and sustainability. By expanding programs across education, healthcare, environmental protection, youth empowerment, entrepreneurship, innovation, sports, and volunteerism, the bank deepens its positive impact on community development. World's Best Islamic Bank for CSR Al-Ruwaieh highlighted that KFH's recognition as the World's Best Islamic Bank for CSR 2025 by Global Finance marks a major milestone, reflecting its leadership and commitment to high sustainability and community service standards locally and globally. He added that the Bank's 2025 Sustainability Report highlights over 200 community programs executed under a vision to drive lasting positive impact and community development across multiple sectors with local and international partners. Broad development impact through strategic initiatives Al-Ruwaieh highlighted KFH's impactful community initiatives and major social responsibility investments across various societal segments. These efforts reinforce the bank's status as a leading CSR model in the sector and a key partner in achieving sustainable development. Among the Bank's most notable initiatives are: • A contribution of over KD 61 million to settle debts for financially distressed individuals, restoring financial and social stability to thousands of families. • A contribution of nearly KD 8 million to reconstruct damaged areas in Al Mubarakiya, preserving Kuwaiti national heritage and boosting local business. • Provision of KD 20 million to construct 15 ambulance centers, expanding national healthcare capacity and emergency response speed. • Role as the lead donor to the KD 10 million government pandemic relief fund during COVID-19. • Support for a sustainable initiative to develop the Al Wataniya area. • Funding and equipping of ward 10 at the Addiction Treatment Center, expanding on the facility originally built by the Bank in 2005. • A donation of USD 20 million to the Kuwait Red Crescent Society for earthquake relief efforts in Turkey and Syria. • Strategic partnerships on community initiatives with the Kuwait Red Crescent Society, the United Nations Development Programme (UNDP), and the United Nations High Commissioner for Refugees (UNHCR). • Continued leadership in funding the Kuwait Foundation for the Advancement of Sciences (KFAS), the national labour support program, the Institute of Banking Studies, and local community projects. Leading Environmental Sustainability Al-Ruwaieh noted that KFH takes a comprehensive approach to environmental awareness and conservation, balancing responsible resource use with community duty. Through its "Keep it Green" campaign, the Bank runs integrated initiatives to raise environmental awareness and promote sustainable practices. These include cleaning beaches and islands, planting trees on a large scale, and leading awareness programs for school and university students. Among the Bank's notable achievements is collaborating with the Green Vision team to plant over 12,000 trees across 25 native species, expanding vegetation cover and protecting biodiversity in Kuwait's desert environment. KFH also organized community walking initiatives with over 10,000 participants, directing all proceeds toward afforestation projects. Environmental Sustainability Award Al-Ruwaieh noted that KFH strengthened partnerships with the Environment Public Authority and Ministry of Social Affairs, organized student environmental competitions with Kuwait University, and established the annual Environmental Sustainability Award at the College of Engineering and Petroleum to drive sustainable development projects. Digital Initiatives Al-Ruwaieh noted that KFH's sustainability efforts feature the Digital Print initiative to cut paper use through digital operations, alongside a water conservation program using Atmospheric Water Generator technology to turn air moisture into water for future resource preservation. At the international level, KFH joined the Global Takaful Alliance, in cooperation with UNDP, to provide Islamic Takaful insurance and empower nearly 100 million farmers worldwide, reflecting the Bank's global commitment to sustainable development. Empowering Youth and Investing in the Future As part of KFH’s vision, Al Ruwaieh said that the Bank prioritizes empowering society through education, innovation, and national youth development. He highlighted the Bank’s long strategic partnership with CODED Academy as a model for advancing tech education. Under the CODED Juniors initiative, over 1,700 children have gained programming and creative skills across nearly 50 training programs. KFH Academy KFH also builds professional talent through KFH Academy, which delivers advanced training in public relations and media, digital transformation, and business administration to prepare young professionals for the labor market and boost their career readiness. Supporting Education and Academic Cooperation The Bank continues to advance education through its strategic partnership in the "Ma’a Attalaba" program to highlight young talent. In cooperation with the Ministry of Education, KFH also hosted the largest ceremony honoring about 140 top performing high school students in Sciences, Arts, special education, and international award winners. Al-Ruwaieh emphasized KFH's ongoing support for education, student activities, and innovation by expanding partnerships with Kuwait University, Abdullah Al Salem University, Gulf University for Science and Technology, the College of Engineering and Petroleum, alongside other public and private higher education institutions, while supporting student clubs that create impactful initiatives for youth. He added that KFH continues as the primary supporter of students at Kuwait University's College of Engineering and Petroleum and maintains its strategic partnership with the Engineering Design Exhibition. Talented Kuwait youth Al-Ruwaieh affirmed that KFH continuously supports talented Kuwaiti youth by developing their skills and sponsoring their participation in major global athletic, cultural, and social competitions through the KFH Strategic Partnerships initiative. Promoting Financial Literacy To enhance financial literacy, KFH held seminars and workshops for hundreds of students, promoting responsible money management, saving, and investment. Sustainable Partnerships Al-Ruwaieh credited the Bank's broad community impact to strategic partnerships with government bodies, nonprofits, and international institutions, which maximize the effectiveness and long-term sustainability of its initiatives. "Increase Good Deeds in Ramadan" Campaign KFH continues to implement impactful seasonal community programs, most notably its "Increase Good Deeds in Ramadan" campaign, which included distributing thousands of Iftar meals, supporting underprivileged families, organizing health, sports, and awareness activities, as well as Quran competitions and various community initiatives serving different segments of society. Supporting Innovation Reflecting its commitment to technological advancement and innovation, KFH continued its participation in the NEXUS Technology Exhibition 2025, one of Kuwait's leading platforms supporting innovation and entrepreneurship. Digital Sustainability Award KFH introduced the Digital Sustainability Award to guide Kuwait Codes participants toward building practical skills for eco-friendly apps that meet sustainability standards. Positive Impact In conclusion, Al-Ruwaieh reaffirmed KFH’s commitment to investing in high-impact initiatives and expanding partnerships across government, academic, community, and international organizations. This aligns with the Bank`s vision as a leading financial institution driving sustainable community development in accordance with international best practices.
KFH Launches “ONE VISION” Leadership Development Program to Empower Future Leaders
Kuwait Finance House (KFH) has launched ONE VISION, a leadership development initiative designed to invest in national talent and prepare the next generation of leaders across the Group. The program brings together 75 high-potential employees and senior leaders in a structured six-month journey focused on learning, knowledge sharing, professional growth, and leadership development. Speaking at the launch event, KFH Acting Group Chief Human Resources and Transformation Officer, Ahmad Alhammad, emphasized the strategic importance of investing in people and strengthening leadership capabilities across the organization. “Today, we bring together 75 talented colleagues and senior leaders to embark on a six-month journey of learning, connection, and growth,” Alhammad said. “ONE VISION reflects KFH’s commitment to developing its talent and preparing future leaders capable of driving sustainable success and supporting the Group’s strategic ambitions.” Alhammad highlighted that the program is distinguished by its reverse mentorship approach, which promotes a two-way learning experience between senior leaders and high-potential employees. “What makes this program unique is its focus on reverse mentorship, where learning is mutual,” he said. “Our leaders will share their experience and insights, while talented employees will contribute fresh perspectives, innovative ideas, and new ways of thinking. This exchange creates valuable opportunities for growth and strengthens collaboration across different levels of the organization.” As part of the program, mentors and mentees will participate in six structured sessions over the next six months. These sessions are designed to strengthen professional relationships, encourage knowledge transfer, support leadership development, and foster a culture of continuous learning. Alhammad noted that ONE VISION has been developed to achieve several key objectives, including strengthening leadership capabilities among high-potential talent, building stronger connections between future leaders and senior leadership, encouraging collaboration and innovation, promoting cross-functional engagement, and enhancing readiness for future leadership opportunities. He expressed his appreciation to the participating mentors for their commitment to developing future leaders and sharing their expertise and professional experiences. Alhammad congratulated the mentees on being selected for the program and encouraged them to embrace the opportunity with curiosity, openness, and a commitment to continuous learning. He noted that the relationships they build and the insights they gain throughout the journey will play a valuable role in their professional and leadership development. Alhammad reaffirmed KFH’s belief that people are its most valuable asset and stressed the bank’s commitment to creating meaningful development opportunities that support long-term organizational success. He concluded by encouraging all participants to fully embrace the experience and contribute to making ONE VISION a successful platform for collaboration, development, and shared achievement. Meanwhile, Nada ElGhossein Chief Operating Officer at IDRAK Training and Consulting, said “One Vision integrates purpose-built digital solutions, including a dedicated matching platform and interactive simulations that enable mentors and mentees to connect, assess their chemistry, and play an active role in the matching process. We have been truly impressed by the participants' enthusiasm, openness, and willingness to learn from one another”.
KFH Honors Top-Performing Children of Employees in High School
Kuwait Finance House (KFH) held a special ceremony to celebrate around 80 children of employees who achieved academic excellence in high school. This annual initiative reflects the Bank's commitment to supporting its staff and their families, continuing a tradition of sharing in employees' milestones and strengthening ties with them. KFH Group CEO, Khaled Yousef AlShamlan and several of the bank's leaders attended the ceremony, along with the parents of the top-performing students. This recognition reflects KFH’s strategic priority of investing in its human capital. Over the years, honoring the achievements of employees' outstanding children has become an annual tradition that strengthens engagement and loyalty, drives performance by recognizing dedication, and shares in key family milestones. It also highlights the powerful connection between personal well-being and professional excellence, creating mutual benefits for both the staff and the organization. By hosting this initiative year after year, KFH highlights its commitment to celebrating the personal achievements of its employees and their families. The Bank firmly believes that academic excellence is a vital milestone in building a bright future. This transitional phase is especially crucial as students select university majors that not only match their personal talents and aspirations but also align with the evolving demands of the job market and future economic trends. KFH believes that employees' personal and family stability directly enhances their performance and productivity, creating a holistic ecosystem of success and sustainable development. KFH employees expressed their deep gratitude to KFH for this annual initiative. They noted that honoring their children and sharing this milestone achievement represents a wonderful gesture of appreciation that reflects the bank's genuine care for its staff and their families. They credited their children’s success to a year of hard work and perseverance, calling this academic milestone a critical launching pad for future education and careers. They also highlighted KFH’s unwavering support for employees and their families, noting that the bank’s diverse benefits and initiatives greatly promote family stability and a deep sense of belonging. This approach, they added, perfectly reflects a corporate culture built on the spirit of one family and a shared, ongoing partnership in success.
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 recommended 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%
