Germany
Malaysia
Turkey
Egypt
UK
Kingdom of Bahrain
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
- Open accounts and deposits
- Instant virtual cards issuance
- Buy and sell gold
- Cardless withdrawal and deposit
- Send and request money
Scan the QR code
A collection of services and tools to meet your requirements
In the news..
Al Marzouq: KD 632.1 million Net Profit Attributable to KFH Shareholders for the Year 2025, an Increase of 5.0%
Chairman of Kuwait Finance House (KFH) Hamad Abdulmohsen Al Marzouq said that, by the grace of Allah, KFH has reported net profit of KD 632.1 million attributable to the shareholders of the bank for the year 2025; an increase of 5.0% compared to last year. These historic profits are the highest in the Kuwaiti banking sector. Earnings per share reached 35.64 fils for the year 2025, an increase of 5.8%, compared to last year. Net Financing income for the year 2025 reached KD 1.3 billion; an increase of 11.5% compared to last year. Net operating income reached KD 1.2 billion, an increase of 10.7% compared to last year. Financing receivables reached KD 21.8 billion, an increase of KD 2.7 billion, or 14.4%, compared to last year. Total assets reached KD 42.8 billion for the year 2025, an increase of KD 6.1 billion, or 16.5%, compared to last year. Total shareholders’ equity reached KD 5.7 billion for the year 2025, an increase of KD 228 million, or 4.1%, compared to last year. Depositors’ accounts reached KD 21.0 billion for the year 2025, an increase of KD 1.8 billion, or 9.4%, compared to last year. The capital adequacy ratio reached 19.81%, exceeding the minimum requirement of regulatory authorities. This demonstrates KFH`s strong capital base. The Board of Directors considered the distribution of cash dividends to shareholders of 24% (including 10% in H1 2025 and a proposed 14% cash dividend for year‑end). The Board of Directors also considered the distribution of bonus shares of 7% after the approval of the General Assembly and the competent authorities. Record results Al Marzouq stated that KFH’s robust performance at year-end 2025 underscores a steadfast commitment to its long-term strategy. This roadmap focuses on driving sustainable growth, fortifying liquidity, capital, and risk management, and securing a position among the world’s top 100 banks. He further noted that the record-breaking profits, unprecedented in the Kuwaiti banking sector, reflect KFH’s market leadership and its resilience in navigating economic shifts across global markets. He pointed out that KFH is a leading global economic entity with a presence across half of the world`s continents, supported by an international network of over 650 branches. He further explained that the Group’s extensive geographic footprint and diversified revenue streams have significantly bolstered operational performance, delivering solid results for both shareholders and customers. Leading the competition Al Marzouq stated: "KFH’s vision centers on the continuous development of leaders capable of driving transformation and achieving success. We place a high priority on Kuwaiti talent, ensuring they receive the best opportunities for recruitment and professional training. Furthermore, he highlighted KFH’s successful efforts in expanding Private Banking and Wealth Management, as well as its investment in modern banking technology. By accelerating digitalization and developing innovative products, KFH provides outstanding customer experience and solidifies the Group’s competitive leadership and sustainable growth amidst rapid changes in the global and regional banking sectors." Economic growth support Al Marzouq highlighted that KFH continues its leading role in supporting economic growth through an integrated program. This approach is not limited to providing outstanding banking services and promoting financial inclusion; it also extends to supporting the State’s ambitious economic vision for a more stable and prosperous financial future. By diversifying the national economy and achieving sustainable development in line with Kuwait Vision 2035, KFH participates in financing mega-projects in infrastructure, energy, oil and gas, and urban development. Furthermore, the bank provides credit facilities to Kuwaiti corporates and SMEs, recognizing their vital societal and economic roles. Largest facilities agreement Al Marzouq 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. Positive assessment He noted that KFH’s strategy focuses on operational excellence and maintaining positive assessments and stable outlooks from global rating agencies. Notably, KFH ranked 1st for Best Performing Bank in Kuwait, for The Banker’s Top 1000 Global Banks Rankings 2025. Additionally, the bank remains a constituent of the FTSE4Good Index Series and holds an 'A' rating on the MSCI ESG Index. Sustainability and societal leadership Al Marzouq stated that KFH has added several new initiatives to its distinguished record of community contributions. Key highlights include a KD 15 million donation to build and equip a specialized heart disease center, the opening of a tenth ward at the Addiction Treatment Center, and support for the development of Al Wataniya area in Kuwait City. Furthermore, KFH released its fifth Sustainability Report, highlighting its proactive social responsibility efforts, alongside its third Carbon Footprint Report, which provides a comprehensive assessment of the environmental impact of its operations. Solid operational performance Meanwhile, KFH Group CEO, Khaled Yousef AlShamlan said that the financial results confirm the Group's robust operational efficiency. He added that the agility of KFH’s executive policies and procedures has enabled the bank to enhance operations, maintain its leadership in highly competitive markets, and capitalize on available opportunities by leveraging its experienced workforce and creative young talent. Dynamic business model He added: “We remain committed to fostering innovation and delivering value for our shareholders and customers, while ensuring sustainable growth and profits. This commitment enables us to lead the evolution of banking solutions by leveraging our flexible business model and core strengths, including a clear strategic vision, robust corporate governance, and diversified income streams. Supported by a broad customer base and efficient financial management, we aim to consistently enhance both profitability and customer experience.” Billion-Dollar Sukuk AlShamlan highlighted the successful issuance of USD 1 billion in Senior Unsecured Sukuk with a five-year tenor. This marks the third issuance under KFH`s USD 4 billion Sukuk Program. He indicated that the objective of the issuance is to strengthen long-term funding sources and support the bank’s operations. 600 million digital banking transactions He affirmed that KFH accelerated its digital transformation and innovation journey in 2025, making tangible progress in its value proposition and the expansion of its partnerships. Key milestones included global remittance initiatives through collaborations with Western Union and Afaq system. KFH has further diversified its financing solutions by launching "Zafafi”, a product tailored for marriage expenses, introducing virtual cards, and developing digital services on e-Corp mobile app. Furthermore, the bank expanded its digital offerings to include online financing, gold investment, and financing against gold account collateral. It also enhanced its smart branch services, bringing the total number of digital services on the KFHonline app to over 200. He pointed out that KFH customers performed over 600 million digital banking transactions in 2025, a milestone that underscores their confidence and reinforces the bank’s leadership in delivering future-proof financial solutions. Investment in human capital AlShamlan underscored KFH’s commitment to investing in human capital and fostering a work environment that sparks creativity and innovation. He highlighted that KFH earned 9 prestigious awards from the Brandon Hall Group and achieved significant milestones in the recruitment of national talent. Furthermore, the bank has dedicated thousands of training hours to its staff, whom it regards as its most valuable asset and the cornerstone of its success. 58 awards He explained that, as a testament to the Group's successes across all sectors, KFH garnered 58 awards in 2025. Key highlights include being named “World`s Best Islamic Bank” by Global Finance and “Bank of the Year – Kuwait” by The Banker. KFH also secured titles for Most Innovative Islamic Bank in Kuwait, World’s Best Islamic SME Bank, and Best Islamic Private Bank- Digital Innovation 2025, alongside numerous other accolades from prestigious international bodies. Thanks and appreciation AlShamlan expressed his appreciation for the trust of shareholders and customers, as well as the unwavering support of the Board of Directors. He praised the Executive Management and all employees for their dedication and tireless efforts, which serve as the cornerstone in strengthening the bank’s position and its future as a leading global Islamic financial institution.
KFH and UNDP join forces to accelerate sustainable growth for SMEs
Kuwait Finance House (KFH) launched the “Growing Sustainably” Training Program for SMEs to support sustainable business practices in line with Kuwait Vision 2035 in partnership with the United Nations Development Programme (UNDP). Through this training, KFH and UNDP will equip SME founders, Chief Executive Officers (CEOs), and Managing Directors with practical tools to improve operations, assess sustainability readiness, and prepare for sustainable financing opportunities. Group Chief Corporate Banking Officer at KFH, Yousef Al-Mutawa said “At KFH, we view SMEs not merely as clients, but as essential partners in Kuwait’s economic development and diversification.” He mentioned that KFH has reaffirmed its strong commitment to SMEs, highlighting their vital role in building a resilient, competitive, and diversified national economy aligned with Kuwait Vision 2035. Al-Mutawa stated that this training program reflects a forward-looking mindset, one that goes beyond day-to-day operations to focus on long-term growth, adaptability, and sustainability in an increasingly dynamic market environment. “SMEs represent nearly 90 percent of all businesses in Kuwait, with an estimated 25,000 to 30,000 active companies operating across key sectors, including trade, hospitality, construction, and industry, beyond their scale. SMEs are a major driver of economic dynamism. They play a central role in job creation, respond swiftly to evolving market needs, and continuously innovate to remain competitive,” added Al-Mutawa. He continued saying, “As Kuwait advances its diversification agenda under Vision 2035, the resilience, efficiency, and competitiveness of SMEs will be decisive in shaping the country’s future economic landscape, this is precisely why SMEs occupy a central position in KFH’s long-term growth strategy.” Al-Mutawa indicated that from a business perspective, sustainability is fundamentally about how effectively a company manages its resources, anticipates risks, and prepares for future opportunities ensuring continuity, stability, and long-term value creation. He reiterated KFH’s dedication to supporting SMEs, enhancing their current business capabilities, and ensuring they are well‑positioned for long‑term, sustainable growth. He added, “Sustainability has become a fundamental business capability rather than a passing trend. SMEs that manage resources efficiently, strengthen governance, and plan for long-term risks are more resilient and better positioned for sustainable growth. During his opening remarks at the launch of the training program, Zein AlAbdeen Itani, Acting Deputy General Manager of SMEs at KFH, noted that this initiative reflects a shared belief in the critical role SMEs play in Kuwait’s economic future. He highlighted that KFH and UNDP aim to equip participants with clear guidance, practical tools, and relevant frameworks tailored specifically to the needs and realities of SMEs operating in Kuwait. He emphasized that new models of sustainable and green financing continue to emerge. He noted that SMEs capable of clearly articulating their current practices, identifying areas for enhancement, and demonstrating a genuine commitment to responsible business will be better positioned to access these evolving financing opportunities. “SMEs that engage in these practices can expect to enhance their competitiveness in local and regional markets, build stronger, more transparent relationships with banks and business partners, and improve access to future financing and investment opportunities”, Itani concluded. Meanwhile, UNDP Resident Representative in Kuwait, Ms. Emma Morley said, “UNDP works in 170 countries worldwide, partnering with governments and the private sector to support the implementation of the 2030 Agenda for Sustainable Development and the Sustainable Development Goals. In Kuwait, our work aligns closely with Kuwait Vision 2035, including supporting financial institutions and businesses to shape markets that generate long-term environmental, social, and governance value.” She added, “We are proud of our strategic partnership with KFH, which reflects a shared understanding that a strong private sector, with SMEs at its core, is essential to Kuwait’s economic transformation. KFH’s commitment to embedding sustainability into its operations demonstrates leadership in advancing inclusive growth, resilience, and employment, while positioning SMEs as key partners in achieving Vision 2035.”
KFH Advances Environmental Awareness and Sustainable Community Practices
Kuwait Finance House (KFH) participated in the Kuwait Sustainability Event in its fifth edition at Murouj, reaffirming its ceaseless efforts to promoting environmental awareness and reinforcing sustainable practices within the community. This year’s edition drew high participation from various entities and institutions, focusing on the SDGs and outlining practical frameworks for cross-sector sustainability in Kuwait via public-private partnerships. KFH is committed to participating in similar events to exchange expertise and highlight innovative solutions that enhance sustainable environmental practices. During the event, KFH showcased its environmentally friendly prepaid and credit cards, which are made from recycled materials. KFH further demonstrated its virtual cards available through KFHOnline app, which provides a sustainable alternative to traditional cards. This initiative reflects the Bank’s commitment to environmental responsibility and its keenness to deliver innovative and more sustainable financial solutions that combine innovative design, practical features, and a positive environmental impact. Affirming its leadership, KFH marked a year of significant success in 2025 by strengthening its standing in sustainability. This was achieved by integrating sustainability into the Group’s strategy and adopting ESG principles. These efforts align with Kuwait Vision 2035 and the United Nations Sustainable Development Goals (SDGs). KFH has further reinforced this vision through social initiatives, most notably the 'Keep It Green' campaign, which features a wide range of programs aimed at environmental protection and the optimal use of natural resources. It is worth noting that KFH achieved an “A” rating in the MSCI ESG Index and included in the FTSE4Good Index for its outstanding performance in ESG practices. KFH received the GSAS Gold level certification for KFH Auto showroom, becoming the first bank in Kuwait to achieve this distinction. Sustainability report In 2025, KFH released its fifth Sustainability Report, highlighting its pioneering initiatives in sustainability and social responsibility. Carbon footprint report KFH further released its third Carbon Footprint Report, which provided a comprehensive assessment of the environmental impact of KFH’s operations with the aim of supporting the Bank’s efforts in monitoring and measuring carbon emissions and improving performance.
KFH Leads IILM 2025 Program Issuances
Kuwait Finance House (KFH) has strengthened its leadership in the primary and secondary markets for the International Islamic Liquidity Management (IILM) Sukuk Program. KFH secured the top position as both a Primary and Secondary Dealer, outperforming a peer group of several local, regional, and international banks. The ranking of the Primary Market is based on the total amount allocated at primary level FY 2025, namely a total of 69 Sukuk issued for a cumulative amount of USD 22.91 billion. The ranking of the Secondary market is based on the total trading volume of USD 3.80 billion on series active in 2025. KFH Chief Treasury Officer Kuwait, Ahmad Eissa Al-Sumait said: “KFH is a pioneering leader in the primary and secondary Sukuk markets. As at the end of 2025, the programme reached an all-time high outstanding volume of USD 6.4 billion of IILM Sukuk in the market. This milestone reaffirms KFH’s leading position as a primary dealer in the IILM short-term Sukuk program since its inception." Al-Sumait emphasized KFH’s ongoing commitment to enhancing its role, maintaining its market leadership, and achieving the highest standards of professionalism and efficiency, thereby driving the growth and advancement of the Sukuk market both locally and globally. He added: "Global economic challenges, characterized by a trend toward lower yields in fixed-income markets and declining interest rates, are exerting pressure on investors. Nevertheless, indicators point to sustained activity in both the volume and frequency of issuances in the Primary market, alongside robust trading in the Secondary market. This environment presents attractive opportunities, attracts new segments of market dealers, and bolsters confidence in Sukuk as a financing instrument that offers diversified investment options." Meanwhile, the International Islamic Liquidity Management (IILM) commended KFH’s strong performance in the Sukuk Market and its high efficiency in expanding its distribution network, which has significantly enhanced the recognition of IILM Sukuk as a leading Shariah-compliant liquidity management solution. The IILM also praised KFH’s active role in Secondary market-making, improving market liquidity, and reinforcing investor confidence in the IILM program. The IILM also pointed out that KFH topping the Primary and Secondary market lists confirms its market leadership, pivotal role, and strong commitment to supporting the continued development and success of the IILM program.
