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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
- Local & International transfers
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- Instant virtual cards issuance
- Buy and sell gold
- Cardless withdrawal and deposit
- Send and request money
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A collection of services and tools to meet your requirements
In the news..
KFH Warns Customers Against AI-Powered Fraud Attempts
As part of its ongoing support to Diraya campaign, Kuwait Finance House (KFH) has encouraged customers to remain alert of the new means of fraud that take advantage of AI technologies. KFH noted that new scam attempts 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 advises verifying the identity of any person requesting a financial transaction. The Bank also highlighted that fraudsters may use psychological tactics to create a sense of urgency or fear. For example, some may send messages claiming suspicious activity or potential account breaches, prompting recipients to share sensitive information such as OTPs or card numbers. KFH stressed the importance of continued proactive caution to safeguard personal information and prevent victims falling to such crimes. KFH also encourages customers to treat any request to share banking details via phone or social media with care, as these attempts are fraudulent means targeting customers banking data. Additionally, KFH urges customers to check the authenticity of websites before entering any personal information. KFH reaffirmed its commitment to promoting financial literacy under the Diraya campaign, launched by the Central Bank of Kuwait (CBK) in cooperation with Kuwait Banking Association (KBA) and local banks. These efforts are evident through providing guidance, tips, and educational content to help customers avoid phishing and online fraud, protect their personal information, enhance their financial literacy, and make well-informed investment decisions.
KFH Holds H1-2025 Earnings Webcast
Kuwait Finance House (KFH) held the earnings webcast for highlighting the Group’s financial performance and results during H1-2025. The webcast was attended by KFH Group Chief Executive Officer, Khaled AlShamlan, Group Chief Strategy Officer, Eng. Fahad Al-Mukhaizeem, and Acting Group Chief Financial Officer and General Manager Investments, Planning and Reporting, Yameen Abdulsattar. Group Chief Executive Officer - Khaled AlShamlan KFH Group Chief Executive Officer, Khaled AlShamlan commenced the meeting by shedding light on the Bank’s financial performance for H1-2025. He said that KFH has reported a net profit to the shareholders of KD 342.1 million for H1 2025. Earnings per share reached 19.23 fils for H1 2025. Net financing income for H1 2025 reached KD 607.3 million, reflecting a growth of 8.7 % compared to the same period last year. Total operating income also saw a significant rise, reaching KD 876 million, with an increase of 6.4% compared to H1 2024. Additionally, Net operating income for the first half of the year reached KD 566.7 million; an increase of 7.9 % compared to the same period last year. The cost-to-income ratio for H1-25 improved to 35.3% compared to 36.2% for the same period last year. Financing receivables at the end of the first half of 2025 reached KD 20.4 billion, an increase of 7.1 % compared to the end of last year. Total assets at the end of the first half of 2025 amounted to KD 38.5 billion, an increase of 4.9% compared to the end of last year. Shareholders' equity increased to reach KD 5.6 billion, and depositors' accounts totaled KD 19.7 billion an increase of 2.7% compared to the end of last year. The capital adequacy ratio remained strong at 18.01 %, well above regulatory requirements, emphasizing the strength of KFH financial position. AlShamlan added: “KFH continues to lead the banking sector and the Kuwaiti market in profitability. We are proud of this achievement since it comes despite the challenging operating environment and geopolitical tension in the region. Our success stems from carefully implemented plans that ensure sustainable profits and maintain the highest financial indicators, while upholding a solid financial position and performance.” KFH is consistently enhancing its operational efficiency, increasing revenues, and optimizing its capabilities in line with global standards. This approach will improve asset quality, enhance risk management, and help the bank rationalize expenses. AlShamlan mentioned: “A key focus area has been enhancing integration across our Group banks. The KFH Group Service Center, which currently provides centralized support for our operations in Turkey and Egypt, has been instrumental in driving operational efficiencies and improving customer service. We plan to expand this model to additional markets in the near future, creating further synergies across our network.” He pointed out that KFH brand unification strategy reached an important milestone with the successful rebranding of Ahli United Bank - Bahrain as Kuwait Finance House-Bahrain. This move complements a series of achievements realized under the new brand identity "Beyond Horizons" across the Bank’s major markets, including Kuwait, the United Kingdom, and Egypt. This initiative is part of KFH's expansion strategy as a global leader in Islamic banking. This launch marks the beginning of a new chapter of integration and excellence in banking services. In the domestic market, AlShamlan said that KFH continues to play a leading role in financing Kuwait's economic development. Its diverse Sharia-compliant financing solutions support projects across all sectors, from large infrastructure developments to SME growth initiatives. The Bank maintain its position as the preferred partner for major syndicated financing deals, leveraging its expertise in structuring innovative Islamic financing solutions. He emphasized that digital innovation continues to be a key differentiator for KFH. The launch of "Fahad", Kuwait's first AI-powered virtual banking assistant, represents a significant milestone in KFH digital transformation journey. Additionally, KFH greatly enhanced KFHOnline app, which now offers customers access to over 200 digital banking services, one of the most comprehensive digital offerings in the region. AlShamlan concluded: “Looking ahead, we remain focused on executing our strategy of sustainable growth through synergies, AI Driven digital innovation, and value creation for all our stakeholders, especially our customers. Our strong financial position, diversified business model, and talented team position us well to capitalize on emerging opportunities while navigating potential challenges in the economic environment.” Group Chief Strategy Officer - Fahad Al-Mukhaizeem Meanwhile, KFH Group Chief Strategy Officer, Fahad Al-Mukhaizeem shared insights into Kuwait’s economic landscape and KFH's strategic progress during the first half of the year. He said: “Global real GDP growth is forecasted to reach 2.8% in 2025, down from prior estimates of 3.3%, with a modest recovery to 3.0% expected in 2026. This slowdown reflects rising trade tensions, policy uncertainty, and geopolitical risks affecting major economies like the U.S. and China. Al-Mukhaizeem added: “Kuwait’s economy remains robust, with real GDP growth projected at 1.9% in 2025, rebounding from a 2.8% contraction in 2024. This growth is driven by increased oil production and steady non-oil sector expansion, supported by diversification efforts and growing private sector participation. Stable sovereign credit ratings of A+ by (S&P), A1 by (Moody’s), and AA- by (Fitch Ratings), underscore confidence in Kuwait’s fiscal and institutional strength. He mentioned that Kuwait’s project market excelled in H1 2025, with awarded contracts surging 37.5% year-on-year to USD 3.3 billion, driven by increased investments in key sectors such as transport, power, and a revival in upstream oil projects. This momentum is expected to continue in H2 2025, as the government advances strategic projects aligned with Kuwait Vision 2035. Several high-value tenders in oil projects are in progress and anticipated to be awarded. Al-Mukhaizeem pointed out: “The annual Inflation Rate eased to almost 2.3% in June 2025 down from average of 2.9% in 2024, reflecting the Central Bank of Kuwait’s prudent monetary policy. The Central Bank of Kuwait “CBK” has maintained the discount rate at 4%, unchanged since September 2024, ensuring a balanced approach to economic stability.” He affirmed that Kuwait’s banking sector remains strong, underpinned by robust regulation and ample liquidity. KFH delivered exceptional financial results in H1 2025, driven by its diversified business model. With solid capital, innovative digital capabilities, and an expanding regional presence, KFH is well positioned to support Kuwait’s long-term economic vision while reinforcing its leadership in Islamic banking. On the innovation and technology front, KFH is dedicated to adopting innovative fintech solutions to enhance operational efficiency and customer experience. The Group is strongly committed to fostering synergy across its international branches, prioritizing seamless integration, knowledge sharing, and unified strategies to drive operational excellence and reinforce its global network. KFH continues to expand its global Sharia-compliant banking footprint, capitalizing on its regional presence post-acquisition, and seizing strategic opportunities to enhance its presence in key markets and solidify its status as a leading international Islamic financial institution. “With the Central Bank of Kuwait issuing a draft regulatory framework for open banking, KFH is well positioned, given its digital track record and market leadership, building on its success of offering innovative services and seamless digital onboarding platforms,” commented Al-Mukhaizeem. From a legislative standpoint, the implementation of the Real Estate Developer Law is expected to boost private sector involvement in housing and infrastructure and help ease the housing backlog, while the proposed Mortgage Law is expected to streamline property processes and expand access to long-term, Sharia-compliant housing finance. These reforms foster a transparent and inclusive development model. Al-Mukhaizeem further noted: “Kuwait’s capital market sustained strong momentum in H1 2025, with the market capitalization of all listed companies in Boursa Kuwait increasing 23.2% year-on-year to KD 50.5 billion and traded volume recording 25.2 billion shares in Q2 2025 nearly doubling vs Q2 2024. KFH, the largest listed company, saw its market capitalization grow by nearly 23% to KD 14.4 billion, reflecting strong investor confidence in its strategy and performance. Acting Group Chief Financial Officer and General Manager Investments, Planning and Reporting - Yameen Abdulsattar Acting Chief Financial Officer and General Manager Investments, Planning and Reporting at KFH Group, Yameen Abdulsattar said that the Group has achieved Net Profit After Tax attributable to Shareholders for the six months ended 30 June 2025 of KD 342.1mn higher by 0.3% compared to H1-24. He noted that increase in net profit after tax attributable to shareholders is mainly from increase in total operating income and a decrease in net monetary loss, which is partly offset by increase in operating expenses, provision charge and taxes. Net financing income at KD 607.3mn increased by KD 48.5mn, or 8.7% compared to same period last year mainly due to increase in financing income by KD 47.3mn and decrease in finance cost and distribution to depositors by KD 1.3mn. Net Operating income at KD 566.7mn increased by KD 41.3mn, or 7.9% compared to same period last year. Looking at the total operating income profile, contribution of net financing income to total operating income increased from 67.86% in H1-24 to 69.33% in H1-25 mainly driven by an increase in net financing income. Cost to income ratio for H1-25 improved, representing 35.30% compared to 36.19% for H1-24. Looking at provisions and impairments, Group total impairment charge increased by KD 7.5mn compared to H1-24. KFH cautious approach towards provisioning have contributed to financing provision balance exceeding ECL required as per CBK IFRS 9 by KD 494mn as of 30 June 2025. On the financial position front, Abdulsattar added that Total Assets at KD 38.5bn increased by KD 1.8bn, or 4.9% in Jun-25 compared to Dec-2024. Net financing receivables at KD 20.4bn increased by KD 1.4bn, or 7.1% compared to Dec-2024, mainly on account of increase in corporate portfolio. Deposits for H1-25 at KD 19.7bn have increased by KD 510mn, or 2.7% compared to Dec-2024, mainly due to increase in CASA deposits. Looking at the funding mix, contribution of customer deposits to total funding as of 30 June 2025 is 64.6% followed by due to banks and FI at 30.5%. These results reflected growth across all key financial indicators during the period.
KFH Offers Eco-friendly Virtual Rewards Prepaid Card
Kuwait Finance House (KFH) new Virtual Rewards Prepaid Card from, which can be instantly issued 24/7 through KFHOnline app to all customers, has garnered positive customer response and engagement. This is reflected in the high demand to issue the new card and benefit from its various features. The card also offers faster and a more flexible digital banking experience, enabling customers to manage their online purchases with ease. Customers can issue the card through the mobile app and add it directly to their digital wallets. Accordingly, they will have control and security for both local and international online and point-of-sale shopping. The card is fully digital, consisting of 16 digits similar to regular cards, along with a CVV security code and an expiration date. The recently launched product accommodates customers’ evolving needs and lifestyle, offering them a distinguished and seamless payment experience that is both easy and secure. In addition to the flexible payment options customized according to customers’ needs, whether for online shopping, bill payments, or in-store purchases, the card has broader environmental and social impacts. These include reducing plastic waste and eliminating paper usage. It also contributes to lower carbon emissions by reducing in-person card delivery.
KFH Launches Salary Transfer Campaign
Kuwait Finance House (KFH) has launched (You deserve the benefits…when you transfer your salary) campaign, encouraging Kuwaiti customers to transfer their salaries and enjoy exclusive benefits, rewards, and competitive offers. The campaign, which runs until the end of the year, affirms KFH’s ongoing commitment to providing the best advantages, exclusive offers, while adding value to its products and services, and keeping pace with customers’ aspirations. Through this initiative, Kuwaiti customers, working in the public or private sector, will receive a cash gift of up to KD 500 when transferring their salary of KD 400 or more to Al-Rabeh account. They also have the chance to earn up to 100,000 KFH Rewards bonus points redeemable for purchases at popular brands. Additionally, customers can receive a KD 500 cash gift for referring new Kuwaiti customers, with a KD 100 for every successful referral they make and a maximum of five referrals per month. The campaign boasts the Emergency Cash service, allowing customers to withdraw a portion of their salaries in advance directly through the KFH app without fees. This service is subject to terms and conditions, based on salary tiers, and requires the customer's salary to have been consistently credited to the account for the preceding three months. Among the many other benefits is the opportunity to obtain a financing of up to KD 95 thousand under KFH’s housing and consumer financing offerings subject to terms and conditions. These benefits reflect KFH’s commitment to providing the best services and products to customers across all segments. They also align with the Bank’s continuous efforts to uphold the highest standards of excellence and quality, focus on customers and meet their aspirations. KFH remains committed to enhancing its suite of banking services and products in line with customers’ needs, aiming to provide them with modern innovative solutions that drive their satisfaction. It is worth mentioning that KFH has achieved milestones in the quality of its services, capitalizing on the latest technologies and market demands in addition to tailoring its offerings to fit each segment of customers.
