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.