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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.
AlRabeh account
Open AlRabeh account and you will have the chance to win 1,500 Kuwaiti
Dinars weekly,1 kg of Gold monthly and 25,000 Kuwaiti Dinars quarterly.
KFHOnline application
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A collection of services and tools to meet your requirements
In the news..
AlShamlan: KFH Maintains Efficient Operational Performance and Strengthens Sustainable Growth
Kuwait Finance House (KFH) Group Chief Executive Officer, Khaled Yousef AlShamlan, said that prioritizing core banking activities has enhanced operational efficiency, quality of customer service, and profit sustainability. In an interview with CNBC Arabia, he added that this focus has resulted in higher financing income, improved asset quality, and a sharper competitive edge. Highlighting the Group’s 2025 fiscal year performance, AlShamlan pointed to growth in all key financial indicators as evidence of a successful operational strategy and a solidified financial position. AlShamlan said that KFH remains the most profitable bank in Kuwait, with 2025 net profit reaching KD 632.1 million, up 5% compared to 2024. He noted that KFH successfully grew its net financing income by roughly 11.5% compared to the previous year, reaching approximately KD 1.3 billion. AlShamlan noted that operating income rose to KD 1.8 billion, an 8.3% increase over the previous year driven by growth across all core activities. This growth occurred despite the previous year’s figures including a KD 70.1 million profit from the sale of KFH-Bahrain in Q2 2024. He emphasized that these results demonstrate the success of the Group’s strategy, a robust capital base, and strong operational performance. He added that the net operating income in 2025 rose to KD 1.2 billion, a 10.7% increase compared to the previous year. AlShamlan explained that the cost-to-income ratio improved to around 34.06% from 35.46% the previous year, noting that this progress reflects operational efficiency and expense management. Financial position He pointed out that all key indicators in the 2025 financial position showed significant growth. Total assets rose to KD 42.8 billion, a 16.5% increase, reflecting strong operational performance and a growing volume of banking business. He also noted that rising customer confidence and the expansion of the financing receivables, which reached approximately KD 21.8 billion, up 14.4%, further drove these results. AlShamlan added that depositors’ accounts reached KD 21 billion, an increase of 9.4%. He said that the Group’s non-performing financing (NPF) ratio reached 1.51% compared to 1.78% the previous year, adding that this ratio is positive and reflects the quality of the financing portfolio. Furthermore, he highlighted that the provisions coverage ratio stands at approximately 383% for KFH-Kuwait and about 287% for the Group. Subsidiary Performance Regarding the contribution of international subsidiaries to profitability, AlShamlan explained that these entities continued to deliver strong results. "They accounted for approximately 44% of the Group’s net profits, reflecting the strength of its regional and international presence. This performance also highlights the seamless integration across the Group’s subsidiaries and their collective ability to build a diverse, global customer base." Economic growth AlShamlan indicated that KFH continues its leading role in supporting economic growth, promoting financial inclusion and supporting the State’s ambitious economic vision for a more stable and prosperous financial future, while diversifying the national economy and achieving sustainable development in line with Kuwait Vision 2035. He highlighted the signing of a KD 1.5 billion credit facilities agreement for the Kuwait Petroleum Corporation, the largest KD-denominated deal of its kind. The Islamic finance tranche accounted for KD 675 million of the total, with KFH, the lead strategic partner for the oil sector, contributing KD 405 million. Real Estate Financing Law Regarding the Real Estate Financing Law, AlShamlan anticipated a positive impact upon its implementation, noting its role in introducing new financing tools to address liquidity challenges and stimulate credit. He stated that this law complements the Real Estate Developer Law, supporting efforts to resolve the private housing crisis and driving growth across the real estate sector. AlShamlan emphasized that KFH and the wider Kuwaiti banking sector are fully prepared, with ample liquidity, to finance future real estate projects and strengthen their role in the national economy.
KFH enables gold bullion collection across 11 smart branches
Kuwait Finance House (KFH) offers through its smart branches a comprehensive suite of innovative banking services that are convenient, secure, and seamless, ensuring the highest standards of excellence. Through its network of electronic branches across Kuwait, customers are able to access a wide range of interactive banking services such as receiving 10 gram gold bullions, Murabaha transactions, requesting credit and prepaid cards, updating personal data and mobile number, activating cards, instant cheque book printing, instant card issuance, opening accounts, buying and selling gold, and cardless cash withdrawals via mobile using a QR code, civil ID, or mobile number, among other fast and secure financing and banking transactions. These efforts affirm KFH’s leadership in digital transformation and innovation, enabling the Bank to offer digital financial and banking solutions that add value to customer experience. KFH is keen to strengthen the presence of its smart branches, which are currently 11 spreading across Kuwait. Customers can find these branches in The Avenues and the co-op societies of Ishbiliya, Jabriya, Mangaf, Sabah Al-Ahmad, Al-Salam, and Abu Fatira. The branches are also located in Shuwaikh KFH Auto Showroom, Al-Khiran Mall branch, as well as Abdullah Al-Salem and Airport branches. Thanks to their success and ease of access to various banking transactions, KFH aims to increase the number of its smart branches to meet the needs of customers in most areas of Kuwait. Additionally, KFH continues to strengthen its service delivery channels through smart branches, KFHOnline application, social media platforms, as well as through robotic and AI technologies, among many other innovative alternatives to traditional banking channels. Affirming its leadership in digital innovation, KFH comprehensively updated its ATMs and KFHOnline mobile app, featuring a sleek modern design and smart services. Currently, KFHOnline provides over 200 banking services. The e-banking transactions also include instant virtual prepaid card issuance, checking the PINs of the credit and debit cards, opening an additional bank account online without having to visit the branch, temporarily suspending cards, opening deposits, adding beneficiaries, balance inquiry, requesting financing, checking the financing obligations and the number of installments, reviewing investment plans, receiving account balances and deposits summary, in addition to managing children’s accounts through Baiti account, in addition to many other online e-services. It is worth noting that the fully automated smart branches which operate 24/7 reflect the significant progress in the retail banking industry amid the growing users’ reliance on technology for quick and highly efficient banking services.
Al-Hasawy: Increased Trading Across Real Estate Sector Drives Profit-Taking and Portfolio Diversification
Kuwait Finance House (KFH) Executive Manager Real Estate Valuation, Eng. Hamad Al-Hasawy, stressed the resilience and capability of the real estate sector to enhance value momentum for investors, while offering alternative investment opportunities through the achievement of quarterly growth rates across various the various real estate segments, most notably housing, investment and commercial properties. He advised investors to diversify their real estate portfolios to achieve optimal and sustainable returns, by capitalizing on the steady growth in demand across different real estate sectors throughout the year. Al-Hasawy indicated that during Q4 of last year investment real estate recorded exceptional activity, with the commercial real estate maintaining high performance levels. In addition, real estate trading increased in the private housing real estate, craftsmanship and warehouses properties. The total real estate trading values reached approximately KD 4.6 billion during 2025, representing a 22.8% growth from the high levels recorded in 2024. Al-Hasawy explained that that the total real estate trading value on a monthly basis during Q4 2025 rose to over KD 1.3 billion, marking a 5.6% quarterly increase. This growth was driven mainly by a rise in private housing transactions, which reached about KD 587 million, up by 48.3% compared to the previous quarter. This was supported by higher demand in Q4, as the number of transactions climbed to 1,247 deals, an increase of 20.5% from the previous quarter. In Q4 2025, the investment real estate reclaimed its lead, recording KD 436 million in trades, up 7.3% via 421 transactions. This segment surpassed the commercial real estate, which dominated the previous quarter. During the same period, commercial real estate experienced a sharp contraction, with trading values plummeting 38.4% to KD 272 million and transaction volume tapering to 70 deals, down 7.9% from Q3 levels. Al-Hasawy further indicated that these market developments represent a significant opportunity for investors, highlighting the importance of portfolio diversification and avoiding investing in a single segment. “This allows investors to earn higher returns and benefit from the shifting in trading values across different segments of the real estate market.” He pointed out that diversification reduces risk, maximizes exposure to market developments, and ensures good cash flow for investors despite varying market conditions. This is because investors benefit from the growth of any real estate segment while avoiding the impact of declining demand or activity in the rest of the segments. Al-Hasawy added: “Private housing real estate segment regained its top rank in terms of trading value during Q4 of 2025, accounting for 43.7% of the total real estate transactions, after ranking third in Q3 2025 with a share of 31.1%. Investment real estate maintained second place with 32.4% of total transactions in Q4, compared to 31.9% in Q3 2025. Commercial real estate ranked third, accounting for 20.2% of total transactions, after having recorded exceptional activity in Q3 2025 when it represented around 34.6% of the total trading value. Meanwhile, coastline properties accounted for 2.4% of total transactions, compared to 0.2% in Q3 of 2025.” According to the monthly data and indices of the Land Registration and Documentation Department in the Ministry of Justice, the total real estate trading value exceeded KD 1.3 billion during Q4 2025, higher by 5.6% from Q3 2025. It is also remarkably higher by 19.9% on an annual basis, driven by the rising demand across various real estate segments, which is reflected in the number of deals during the year. Demand for commercial real estate segment nearly doubled compared to 2024. Similarly, investment real estate segment saw a significant surge in demand, in addition to a notable increase in the other real estate segments including private housing and the coastline, craftsmanship properties and warehouses. Furthermore, Al-Hasawy emphasized that real estate valuation is a cornerstone of the industry, operating at multiple levels. It facilitates seamless financing and organizes market transactions through transparency, professional standards, and fair appraisals that reflect current market realities. He highlighted the exceptional caliber and professionalism of KFH’s valuation team, which continues to bolster the deep trust placed in them by a diverse customer base. Moreover, KFH’s robust organizational structure ensures market-leading performance. Combined with decades of experience, impartiality, and a reputation for reliability, KFH has become the preferred choice for valuation services across all sectors. As an accredited entity, KFH leverages an extensive database and a specialized technical team (comprising engineering, legal, and accounting experts) to deliver valuations rooted in rigorous market studies and real-time monitoring.
KFH: Pioneering Efforts to Promote Financial Literacy
Reinforcing its leadership in financial literacy and social responsibility, Kuwait Finance House (KFH) continues to spearhead the national "Diraya" awareness campaign. Launched by the Central Bank of Kuwait and the Kuwait Banking Association, the initiative sees KFH deploying innovative tools and strategic outreach to strengthen financial and banking awareness across the community. Awareness pillars KFH geared its awareness plan towards several pillars to support Diraya campaign in response to the growing digital challenges, particularly cybersecurity and data security. Promoting financial literacy KFH increased its awareness messages which urged customers to refrain from responding to messages with suspicious links or sharing OTP or passwords with third parties. KFH also emphasized that banks never request personal customer information through links or phone calls. KFH’s efforts played a prominent role in promoting financial literacy and increasing awareness as well as advising customers to remain vigilant of the cyber fraud modern methods to avoid falling victim to such practices. Furthermore, KFH advised customers to disregard any requests for banking details made through phone calls or social media, identifying such solicitations as fraudulent efforts to steal personal data and account information. Additionally, KFH continued its awareness initiatives encouraging customers to verify the authenticity of websites prior to entering any personal information. AI-powered fraud attempts KFH intensified its efforts to warn the public against new fraud attempts that involve the use of advanced AI tools to replicate the voices of real individuals with a high degree of accuracy. These voice imitations are used to contact friends or family members through phone calls or social media, often accompanied by urgent requests to transfer money. The lifelike nature of these interactions may give the impression of authenticity and credibility. KFH called for the highest levels of caution and urged customers to verify the identity of the person requesting a financial transaction. Internal awareness KFH’s endeavors to warn against fraud attempts encompassed sharing awareness emails to its employees. These emails present concise and engaging content aiming to raise awareness of cyber fraud risks and warn against suspicious calls that seek to deceive employees and obtain their information. Initiatives and forums KFH also continued its active participation in initiatives that promote banking awareness, including its support for Kuwait's largest cybersecurity hackathon for the third consecutive year. During the event, KFH highlighted the concept of fraud in general and cyber fraud in particular, addressing its various forms that pose risks to individuals and society. Moreover, KFH participated in the 12th eGovernment Forum titled “AI-Powered Information Security Services”, demonstrating its role in reinforcing cybersecurity. Digital channels KFH recorded a significant milestone in its awareness efforts for Diraya campaign, leveraging its digital channels and official social media accounts as educational and awareness platforms for the public. Through these channels, KFH delivered distinctive awareness content. With the introduction of its new digital services, KFH published a series of successful awareness messages on these newly launched services such as instant issuance of prepaid and credit cards, WAMD service, and instant transfers through the gulf payment system, AFAQ. The Bank also released several educational videos on how to use and benefit from digital financial solutions available on KFHOnline, which can be viewed through its official social media accounts @kfhgroup. Financial awareness for kids As part of its support for the Diraya campaign, KFH partnered with Hzaya Bookstore, which specializes in children's books, to launch content dedicated to children. The initiative aims to raise awareness and teach children the basics of early savings and financial planning In cooperation with Hzaya, KFH also organized an innovative, practical, and interactive program for Baiti account customers. Social engagement and measurable impact Reaffirming its leadership in supporting Diraya campaign, KFH continued its initiatives to measure banking awareness among the public through several programs and activities. These included awareness initiatives for its PR Academy participants, Kuwait University students, students participating in Ma’a Attalaba competition, as well as participants in the Derasti Exhibition, held at Kuwait International Fair in Mishref. KFH also organized awareness programs for CODED Academy students during the Bank’s participation in the Kuwait Codes initiative. Record engagement levels KFH’s efforts in supporting Diraya campaign resulted in achieving record engagement levels, with awareness messages reaching millions of followers. This contributed effectively to changing financial behavior toward greater caution and awareness. It is also worth noting that KFH, through its leading role in Diraya campaign, reiterates its pivotal role in prioritizing customers and public safety. Additionally, the success in spreading digital and banking awareness reflects KFH’s pioneering vision of transforming its platforms into educational channels that contribute to creating a safe and sustainable financial environment.
