Chairman of Kuwait Finance House (KFH), Hamad Abdulmohsen Al Marzouq announced that KFH has, by the grace of Allah, achieved a net profit for shareholders of KD 492.7 million up to the end of the third quarter of 2025, an increase of 2.0% compared to the same period last year. These profits are the highest in the Kuwait banking sector and the local market.

Earnings per share up to the end of Q3 2025 reached 27.98 fils; an increase of 2.0 % compared to the same period last year.

Net financing income up to the end of Q3 2025 reached KD 944.3 million; an increase of 13.1 % compared to the same period last year.

Total operating income up to the end of Q3 2025 increased, supported by an increase in all core activities to reach KD 1.3 billion; an increase of 10.0 % compared to the same period last year.

Net operating income up to the end of Q3 2025 increased to reach KD 850.2 million; an increase of 12.8 % compared to the same period last year.

Financing receivables as of the end of Q3 2025 reached about KD 21.2 billion, an increase of 11.3% compared to the end of last year.

As of the end of Q3 2025, total assets amounted to KD 40.8 billion, an increase of 11.0% compared to the end of last year. Shareholders’ equity amounted to KD 5.6 billion, an increase of 1.5% compared to the end of last year.

Depositors’ accounts amounted to KD 20.1 billion as of the end of Q3 2025, an increase of 4.7% compared to the end of last year.

The capital adequacy ratio reached 17.68% which is above the limit required by regulators. This ratio confirms the solid capital base of KFH.

Solid performance

Al Marzouq said that the record financial results KFH reported at the end of the third quarter of 2025 were characterized by growth in all key indicators. He asserted that this performance underscores the bank's strength and adaptability against the backdrop of current economic instability and geopolitical developments.

He attributed the sustainability of profits and the bank's solid capital base, financial strength, and creditworthiness to the Group's success in boosting efficiency, growing operating income, diversifying its financing portfolio, managing risk effectively, and establishing multiple income streams.

Interim dividends

Al Marzouq added: " The strong Q3 results achieved by KFH confirm our ongoing commitment to shareholders and customers. This performance has created new opportunities for sustaining and increasing record profits. Furthermore, the bank maintains its commitment to shareholders by distributing interim cash dividends. These include semi-annual cash dividends of 10% of the share's nominal value for two consecutive years, supplemented by an equal or greater percentage at the end of the year."

Al Marzouq stressed that KFH will continue to work tirelessly to maintain its market leadership as the largest company on Boursa Kuwait, the most profitable and best-performing bank, and the bank with the highest dividend distribution. This commitment is underscored by KFH's recent recognition as the top-performing bank in Kuwait in The Banker's 2025 Top 1000 World Banks ranking.

Al Marzouq pointed out that the digital and substantial achievements of recent years provide a solid foundation for future growth. These successes confirm KFH's ability to meet its strategic goals, particularly sustainable growth and industry leadership, and pave the way for its ambition to join the world's top 100 banks in the coming years.

Corporate and projects financing

Al Marzouq said:" Aligned with our goal of promoting prosperity and sustainable growth in our operating markets and contributing to a positive macroeconomic environment, KFH continues to finance various economic sectors and development projects."

He pointed out that KFH will continue to provide the necessary financing to Kuwaiti corporates to enhance their businesses and support their expansion. In addition, KFH will participate in financing major development projects in a way that serves the state's development plan and stimulates the national economy.

He also underscored the Bank’s dedication to supporting and financing Small and Medium-sized Enterprises (SMEs), recognizing their vital role as a pillar of economic growth and job creation. Furthermore, he highlighted the successful rollout of the first-of-its-kind Sustainable Business Program for SMEs. This initiative aims to give them a competitive advantage while demonstrating KFH’s commitment to sustainable development and its leadership in fostering the entrepreneurial environment.

An influential banking entity

Al Marzouq stated that the launch of AUB - Bahrain's new visual identity, rebranding it as KFH - Bahrain under the umbrella of KFH Group, represents a strategic shift. This change strengthens the bank's position as an influential banking group with a geographic presence in 10 countries worldwide, most notably Kuwait, Bahrain, Turkey, Egypt, Germany, and the United Kingdom. The Group offers innovative services and products that keep pace with customer aspirations and global developments in the financial and banking sectors.

Sustainability and social responsibility

Al Marzouq emphasized that KFH's vision and approach focus on sustainability, innovation, and digital excellence. This involves aligning strategic objectives with short- and long-term plans and continuously developing policies and procedures. This strategy helps balance financial growth with environmental and social responsibility, thereby building a sustainable banking model that can be emulated in social responsibility.

Record financial results

KFH Group CEO, Khaled Yousef AlShamlan, explained that the record financial results KFH achieved in the third quarter of 2025 reflect its efficient performance and flexible policies, which allow it to develop its operations despite challenges. He further emphasized that KFH succeeded in managing risks, supported by solid capital and high-quality assets. This success will help it execute its corporate strategy, ensuring sustainable profits for shareholders and providing better service for customers.

AlShamlan emphasized that KFH's ability to thrive in a highly competitive market stems from its focus on increasing operating income and maintaining a strong credit portfolio. He highlighted KFH's key strengths, including significant growth in diverse income streams across sectors and markets, disciplined cost and risk management, a broad market presence, advanced technology, long-standing Islamic finance expertise, and talented human capital.

Group services

AlShamlan highlighted the importance of unifying services and products across the KFH Group’s global network (over 600 branches). This unification strategy allows the bank to capitalize on the advantages of individual markets, strengthening KFH's leadership as the most valuable and trusted Islamic banking brand globally.

AlShamlan added: "To achieve comprehensive performance and strengthen the unified vision across the group's banks, KFH launched the KFH Group Service Center. This center serves both KFH-Turkey and KFH-Egypt, aiming to better meet customer needs and deliver an integrated banking experience."

KFH also launched a free, express call service via a toll-free number in Kuwait, allowing customers to connect directly with its banks in Egypt, Bahrain, the United Kingdom, and Turkey. This move is intended to increase communication within the Group's network.

Digital Transformation and AI

AlShamlan emphasized that the digital transformation strategy focuses on enhancing operational efficiency. This is achieved by employing digital technologies in its operations, supporting a structured transformation program across all business sectors.

He also stated that an innovative service has been launched for customers involved in trade finance transactions, including Letters of Credit (LCs) and Letters of Guarantee (LGs). This service involves adding a QR code to the transaction documents issued by the Trade Finance Department.

KFH also launched a comprehensive update to its KFHOnline app, introducing a modern design and smart banking features. Simultaneously, KFH Go smart branches and other e-channels provide innovative solutions that collectively showcase KFH's readiness to deliver unlimited, high-efficiency digital services with exceptional flexibility.

He highlighted the launch of intelligent data analysis and intelligent automation for internal processes, along with providing employees with digital business assistants (AI Copilot). In the call center, KFH implemented a Speech Analytics system and an automated service quality assessment system. Additionally, the bank introduced "Fahad", Kuwait's first AI-powered virtual employee.

Awards and recognitions

AlShamlan added: "KFH’s financing efforts have been recognized by major international institutions. The bank received the "Worlds`s Best Islamic Financial Institution" award for 2025 from Global Finance magazine, along with the "Best Islamic Private Bank - Digital Innovation" award from Global Private Banker magazine. Furthermore, KFH was honored with the "Kuwait’s Best Bank for SMEs "award from Euromoney, the "Most Sustainable Projects in the Middle East" award from Forbes magazine, and the "World`s Best Islamic Retail Bank" award, also from Global Finance."

He added that KFH maintained its position as the largest listed company in Kuwait on Forbes’ 2025 Global 2000 list.

Talent development

AlShamlan emphasized KFH’ outstanding success in implementing localization and training programs across the Kuwaiti private sector. The bank focuses on developing Kuwaiti human capital, encompassing new graduates and experienced staff. This is achieved by fostering creative talent and empowering women and youth within a vibrant work culture.

KFH inaugurated the fourth edition of the Leadership Academy, a program run in partnership with Headspring (the joint venture between IE Business School and Financial Times). The Bank also introduced professional banking experience for students and recent graduates, facilitated by KFH Academy.

He highlighted that the KFH Group has been honored with nine global human resources awards for 2025 from the Brandon Hall Group. This achievement marks the fourth consecutive year KFH has received this distinction, underscoring its leadership in adopting global best practices for attracting, developing, and qualifying human capital.

Thanks and appreciation

Expressing his appreciation for the Board's support, AlShamlan commended the essential role played by regulatory bodies in supporting the banking sector. He further lauded the executive team, employees, partners, and stakeholders for their crucial efforts in fulfilling customer and shareholder expectations, thereby maintaining KFH's leadership and reinforcing its standing locally, regionally, and globally.