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In the news..
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%
KFH urges vigilance against fraudulent online links
Kuwait Finance House (KFH) warns customers to remain cautious when dealing with fraudulent online links, reaffirming its commitment to customer protection and secure banking practices. This warning comes as part of KFH’s ongoing support for the Diraya campaign, launched in collaboration with the Central Bank of Kuwait (CBK) and the Kuwait Banking Association (KBA) to promote banking awareness. In a press release, KFH stated that the new form of online scam involves sending a message with a suspicious link tricking victims to click the link to visit a particular website or participate in a survey. Once they click the link, their devices will be hacked, enabling the hacker to access and exploit their personal data for harmful purposes. KFH urged customers to stay vigilant and refrain from disclosing their personal information to requests received through e-mails, text messages, or phone calls, as they are attempts to obtain customers' banking information to steal their funds or data. KFH advised customers to be careful when receiving links as these links could lead to theft of sensitive banking information. The bank also recommended that customers protect their bank accounts by avoiding the storage of confidential information, such as card numbers or passwords, on their mobile phones. Additionally, customers were urged not to share their OTP with anyone and to log out of the bank's application or website promptly after finishing a transaction.
KFH Wins Three Euromoney Awards for Excellence 2026 in Wealth Management and ESG
Kuwait Finance House (KFH) has been recognized with three prestigious accolades at the Euromoney Awards for Excellence 2026, winning Middle East's Best Islamic Bank for Wealth Management, Kuwait's Best Islamic Bank for Wealth Management, and Kuwait's Best Islamic Bank for ESG. The awards highlight KFH's continued success in advancing Islamic wealth management and embedding environmental, social and governance (ESG) principles across its business, reflecting the bank's commitment to innovation, customer excellence and sustainable value creation. Leadership in Islamic Wealth Management In awarding KFH the titles of Middle East's Best Islamic Bank for Wealth Management and Kuwait's Best Islamic Bank for Wealth Management, Euromoney highlighted the bank's transformation of its Private Banking and Wealth Management (PBWM) business into a more integrated, advisory-led platform that combines banking, financing and investment solutions under Shariah principles. According to Euromoney, KFH consolidated its PBWM operations into a unified structure and introduced a new operating model aimed at enhancing client experience, strengthening investment capabilities and delivering more sophisticated Islamic wealth solutions. The transformation was supported by investment in specialist talent, technology and the continued development of KFH Capital, the bank's asset management arm. Euromoney noted that a key element of KFH's strategy was the redesign of its client coverage model through a specialized advisory framework bringing together relationship managers, investment specialists, financing specialists and account managers, enabling clients to access tailored expertise across their banking, financing and investment needs. The publication also highlighted KFH's focus on talent development, with PBWM teams completing advanced Moody's training, Chartered Institute for Securities & Investment (CISI) certifications and specialized Islamic wealth advisory programs. On the investment side, Euromoney pointed to the launch of KFH's global discretionary portfolio management (DPM) service, which is built around the bank's internal house view and asset allocation model and offers clients a diversified multi-asset investment approach through an open-architecture range of Shariah-compliant investment funds. Digital innovation also played a significant role in KFH's success. Euromoney cited the implementation of a new asset management system by KFH Capital to centralize fund and portfolio management, as well as enhancements to the KFH Wealth App and integrated investment portal, providing clients with improved real-time access to their portfolios. The introduction of the Allfunds platform in Kuwait further expanded access to a broader universe of Shariah-compliant investment opportunities. Euromoney added that KFH achieved record PBWM profitability and growth in investment assets under management during the review period, reinforcing the bank's position as Kuwait's benchmark for modern, advisory-led Islamic wealth management. Recognition for ESG Excellence KFH's award as Kuwait's Best Islamic Bank for ESG reflects the bank's comprehensive approach to sustainability and responsible banking. According to Euromoney, KFH applied a structured ESG framework across financing, operations and community investment, delivering measurable environmental efficiencies, expanded access to essential services and stronger governance oversight. The publication noted that ESG considerations were embedded in KFH's core banking activities through increased exposure to green and sustainability-linked sukuk, as well as financing for national infrastructure projects, including wastewater treatment facilities that support water reuse and resource efficiency. Euromoney also highlighted KFH's efforts to reduce energy consumption across its branch network by replacing conventional lighting with energy-efficient LED systems, upgrading heating and cooling systems, and introducing automated controls to improve operational efficiency. In addition, KFH delivered certified green buildings, including assets that achieved GSAS Gold and LEED Gold certifications, demonstrating measurable improvements in energy, water and waste performance while helping establish sustainability benchmarks for commercial real estate in Kuwait. On the social impact front, Euromoney recognized KFH's Creating Shared Value (CSV) platform, through which more than 200 initiatives were delivered. These included allocating KWD 8 million toward the reconstruction of Al Mubarakiya, covering 17 buildings, and KWD 18 million in support of a cardiac center. These initiatives were complemented by more than 3,000 volunteer hours, the distribution of over 18,000 Ramadan meals, and support provided to 1,680 families, contributing to healthcare, heritage preservation and essential community services. Euromoney further noted that KFH maintained strong governance standards through board-level oversight, comprehensive emissions measurement and the integration of ESG considerations into credit assessment processes, aligning sustainability objectives with risk management and capital allocation decisions. Commitment to Excellence The awards reflect the bank's unwavering commitment to innovation, customer-centricity, sustainability, and leadership in Islamic finance. The recognition further strengthens KFH's position as a regional leader delivering world-class Shariah-compliant financial solutions while contributing to sustainable economic and social development. The three Euromoney Awards for Excellence 2026 underscore KFH's ongoing success in setting new standards for Islamic wealth management and responsible banking, both in Kuwait and across the Middle East. Euromoney For over 50 years, Euromoney has been the trusted benchmark for excellence in global banking and finance, recognizing institutions that demonstrate outstanding performance, innovation, and client service. Euromoney’s Awards for Excellence have recognized financial institutions that set the global standard in performance, innovation and client impact.
