Name of reporting entityKuwait Finance House, KSCPKuwait Finance House, KSCP
Reporting period start date01-Jul-20262026-07-01
Reporting period end date30-Sep-20262026-09-30
Sector of Reporting EntityBanksBanks
Type of firmBanksBanks
Frequency of reportingQuarter 3Quarter 3
Description of presentation currencyKuwaiti DinarKuwaiti Dinar
Level of rounding used for monetary valuesThousandsThousands
Description of nature of financial statementsReviewedReviewed
Preparation basisConsolidatedConsolidated
Whether company is Local or ForeignLocalLocal
Board of Directors Meeting Date08-Oct-20262026-10-08
Period01-Jan-2026 to 30-Sep-202601-Jan-2025 to 30-Sep-2025
Statement Value During the PeriodValue During the Period% change
Net Profit (Loss) represents the amount attributable to the owners of the parent Company{"ElNm":"ProfitLossAttributableToOwnersOfParent","ElTyp":"monetaryItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}523,355523355000{"ElNm":"ProfitLossAttributableToOwnersOfParent","ElTyp":"monetaryItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}492,686492686000{"ElNm":"PercentageChangeinNetProfitLossAttributabletoOwnersofParentCompany","ElTyp":"percentItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}6.2249%0.062249
Basic and Diluted Earnings per Share{"ElNm":"BasicAndDilutedEarningsLossPerShare","ElTyp":"perShareItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}0.0275627.56{"ElNm":"BasicAndDilutedEarningsLossPerShare","ElTyp":"perShareItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}0.0261526.15{"ElNm":"PercentageChangeinBasicandDilutedEarningsperShare","ElTyp":"percentItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}5.392%0.05392
Current Assets{"ElNm":"BoursaCurrentAssets","ElTyp":"monetaryItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}{"ElNm":"BoursaCurrentAssets","ElTyp":"monetaryItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}{"ElNm":"PercentageChangeinCurrentAssets","ElTyp":"percentItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}8.463%0.08463
Total Assets{"ElNm":"Assets","ElTyp":"monetaryItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}43,805,75243805752000{"ElNm":"Assets","ElTyp":"monetaryItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}40,752,39840752398000{"ElNm":"PercentageChangeinTotalAssets","ElTyp":"percentItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}7.4925%0.074925
Current Liabilities{"ElNm":"BoursaCurrentLiabilities","ElTyp":"monetaryItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}{"ElNm":"BoursaCurrentLiabilities","ElTyp":"monetaryItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}{"ElNm":"PercentageChangeinCurrentLiabilities","ElTyp":"percentItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}6.4675%0.064675
Total Liabilities{"ElNm":"Liabilities","ElTyp":"monetaryItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}37,087,49537087495000{"ElNm":"Liabilities","ElTyp":"monetaryItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}34,319,01034319010000{"ElNm":"PercentageChangeinTotalLiabilities","ElTyp":"percentItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}8.0669%0.080669
Total Equity attributable to the owners of the Parent Company{"ElNm":"EquityAttributableToOwnersOfParent","ElTyp":"monetaryItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}5,739,1175739117000{"ElNm":"EquityAttributableToOwnersOfParent","ElTyp":"monetaryItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}5,603,8535603853000{"ElNm":"PercentageChangeinTotalEquityAttributabletoOwnersofParentCompany","ElTyp":"percentItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}2.4138%0.024138
Total Operating Revenue{"ElNm":"TotalOperatingRevenue","ElTyp":"monetaryItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}1,452,1711452171000{"ElNm":"TotalOperatingRevenue","ElTyp":"monetaryItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}1,360,5831360583000{"ElNm":"PercentageChangeinTotalOperatingRevenue","ElTyp":"percentItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}6.7315%0.067315
Net Operating Profit (Loss){"ElNm":"NetOperatingProfitLoss","ElTyp":"monetaryItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}1,004,6871004687000{"ElNm":"NetOperatingProfitLoss","ElTyp":"monetaryItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}899,092899092000{"ElNm":"PercentageChangeinNetOperatingRevenue","ElTyp":"percentItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}11.7446%0.117446
Accumulated Loss / Paid-Up Share Capital{"ElNm":"AccumulatedLossbyPaidUpShareCapital","ElTyp":"percentItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}{"ElNm":"AccumulatedLossbyPaidUpShareCapital","ElTyp":"percentItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}{"ElNm":"PercentageChangeinAccumulatedLossbyPaidUpShareCapital","ElTyp":"percentItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}
Period01-Jul-2026 to 30-Sep-202601-Jul-2025 to 30-Sep-2025
Statement Value During the PeriodValue During the Period% change
Net Profit (Loss) represents the amount attributable to the owners of the parent Company{"ElNm":"ProfitLossAttributableToOwnersOfParent","ElTyp":"monetaryItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}160,301160301000{"ElNm":"ProfitLossAttributableToOwnersOfParent","ElTyp":"monetaryItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}150,537150537000{"ElNm":"PercentageChangeinNetProfitLossAttributabletoOwnersofParentCompany","ElTyp":"percentItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}6.4861%0.064861
Basic and Diluted Earnings per Share{"ElNm":"BasicAndDilutedEarningsLossPerShare","ElTyp":"perShareItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}0.008718.71{"ElNm":"BasicAndDilutedEarningsLossPerShare","ElTyp":"perShareItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}0.008188.18{"ElNm":"PercentageChangeinBasicandDilutedEarningsperShare","ElTyp":"percentItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}6.4792%0.064792
Total Operating Revenue{"ElNm":"TotalOperatingRevenue","ElTyp":"monetaryItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}461,657461657000{"ElNm":"TotalOperatingRevenue","ElTyp":"monetaryItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}459,472459472000{"ElNm":"PercentageChangeinTotalOperatingRevenue","ElTyp":"percentItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}0.4755%0.004755
Net Operating Profit (Loss){"ElNm":"NetOperatingProfitLoss","ElTyp":"monetaryItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}316,836316836000{"ElNm":"NetOperatingProfitLoss","ElTyp":"monetaryItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}307,218307218000{"ElNm":"PercentageChangeinNetOperatingRevenue","ElTyp":"percentItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}3.1307%0.031307
Statement
Total Revenue realized from dealing with related parties (value, KWD){"ElNm":"TotalRevenueRealisedFromRelatedParties","ElTyp":"monetaryItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}305,084305084000
Total Expenditures incurred from dealing with related parties (value, KWD){"ElNm":"TotalExpendituresIncurredForRelatedParties","ElTyp":"monetaryItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}56,814,94056814940000
Increase/Decrease in Net Profit (Loss) is due to

Increase/Decrease in Net Profit (Loss) is due to

سبب ارتفاع/انخفاض صافي الربح (الخسارة)

The increase in net profit attributable to the shareholders of the Bank for the nine-month period ended 30 September 2026 by 6.2% compared to the corresponding period of the previous year, was mainly driven by an 11.7% increase in net income from KFH Group’s core business activities during the period, as follows:

 

  • Net financing income increased by 4.8%.

  • Net fees and commissions income increased by 20.6%.

  • Total of investment income, net foreign exchange gains, and other income increased by 4.8%.

  • Meanwhile, total operating expenses decreased by 3.0%.

 

The increase in net operating income was partially offset by:

  • A 58.5% increase in provisions and impairment charges recognized in the consolidated statement of income, including precautionary financing provisions of KWD 20 million and other precautionary provisions of KWD 8.3 million.

  • A 3.3% increase in taxes.

  • Whereas, the net monetary loss resulting from the application of hyperinflation accounting decreased by 15.7%.

We would also like to highlight that investment income for the nine-month period of the current year included KWD 40.5 million representing a net pre-tax gain from the sale of a property owned by one of the Group’s subsidiaries in the Kingdom of Saudi Arabia, which was recognized during the first half of the current year.

This compared to KWD 23.8 million representing a net pre-tax gain from the sale of an associate company, Ahli Bank S.A.O.G. (Ahli Bank – Oman), during the first half of the previous financial year.

 

ترجع الزيادة في صافي الربح الخاص بمساهمي البنك عن فترة التسعة أشهر المنتهية في 30 سبتمبر 2026 بنسبة 6.2% مقارنة مع نفس الفترة من العام السابق بصفة رئيسية إلي الزيادة في صافي إيرادات الأنشطة الرئيسية لمجموعة بيت التمويل الكويتي خلال الفترة بنسبة 11.7%، حيث:

  • ارتفع صافي إيرادات التمويل بنسبة 4.8%

  • وارتفع صافي إيرادات الأتعاب والعمولات بنسبة 20.6%

  • كما ارتفع مجموع إيرادات الإستثمار وصافي الأرباح من العملات الأجنبية والإيرادات الأخرى بنسبة 4.8%.

  • في حين انخفض إجمالي مصروفات التشغيل بنسبة 3.0%.

 

وقد قابل الإرتفاع في صافي الإيرادات التشغيلية:

  • زيادة المخصصات وانخفاض القيمة المحملة على بيان الدخل المجمع بنسبة 58.5%، متضمنة مخصصات تمويل احترازية بمبلغ 20 مليون دينار كويتي ومخصصات احترازية اخرى بمبلغ 8.3 مليون دينار كويتي.

  • ارتفاع الضرائب بنسبة 3.3%.

  • في حين انخفض صافي الخسارة النقدية الناتجة عن تطبيق معيار المحاسبة عن التضخم المرتفع بنسبة 15.7%.

 

كما نود التنويه أن إيرادات الاستثمار للتسعة أشهر من العام الحالي تضمنت مبلغ 40.5 مليون دينار كويتي تمثل صافي ربح قبل الضريبة ناتج عن بيع عقار مملوك لإحدى الشركات التابعة في المملكة العربية السعودية والتي تم تسجيلها خلال النصف الأول من العام الحالي، مقارنة مع مبلغ 23.8 مليون دينار كويتي تمثل صافي ربح قبل الضريبة ناتج عن بيع شركة زميلة "البنك الأهلي ش.م.ع.ع". (البنك الأهلي – عُمان)" للنصف الأول من السنة المالية السابقة.

Auditor OpinionEnglishArabic
Conclusion{"ElNm":"AuditorsReportOnReviewConclusion","ElTyp":"AuditorsReportOnReviewConclusionType","DimNmList":["LanguageAxis"],"DomNmList":["EnglishMember"],"PerTyp":"CP"}Unqualified ConclusionUnqualified Conclusion{"ElNm":"AuditorsReportOnReviewConclusion","ElTyp":"AuditorsReportOnReviewConclusionType","DimNmList":["LanguageAxis"],"DomNmList":["ArabicMember"],"PerTyp":"CP"}رأي غير متحفظرأي غير متحفظ
Basis of Unqualified Conclusion - English

Conclusion

Based on our review, nothing has come to our attention that causes us to believe that the accompanying interim condensed consolidated financial information is not prepared, in all material respects, in accordance with the basis of preparation set out in Note 2.

Basis of Unqualified Conclusion - Arabic

النتيجة

استنادا إلى مراجعتنا، فإنه لم يرد إلى علمنا ما يستوجب الاعتقاد بأن المعلومات المالية المرحلية المكثفة المجمعة المرفقة لم يتم إعدادها، من جميع النواحي المادية، وفقاً لأساس الإعداد المبين في إيضاح 2.

The auditor’s opinion as stated in the report

Not applicable / لا ينطبق

A detailed explanation of the situation that called the auditor to express an opinion

Not applicable / لا ينطبق

The steps that the company will take to address what was stated in the auditor’s opinion

Not applicable / لا ينطبق

The timeline for implementing the steps to address what was stated in the auditor's opinion

Not applicable / لا ينطبق

Corporate Actions
Status of Dividends{"ElNm":"NoDividend","ElTyp":"NoDividendType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}No dividends declaredNo dividends declared
Cash Dividends{"ElNm":"ProposedCashDividends","ElTyp":"monetaryItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}00
Bonus Share{"ElNm":"BonusShare","ElTyp":"monetaryItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}
Other Dividend{"ElNm":"OtherDividend","ElTyp":"monetaryItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}00
Cash Dividends (%){"ElNm":"CashDividendPercentage","ElTyp":"percentItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}0.000%0
Bonus Share (%){"ElNm":"BonusSharePercentage","ElTyp":"percentItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}0.000%0
Other Dividend (%){"ElNm":"OtherDividendPercentage","ElTyp":"percentItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}0.000%0
Capital Increase{"ElNm":"CapitalIncrease","ElTyp":"stringItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}None / لا يوجدNone / لا يوجد
Issue Premium{"ElNm":"IssuePremium","ElTyp":"stringItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}None / لا يوجدNone / لا يوجد
Capital Decrease{"ElNm":"CapitalDecrease","ElTyp":"stringItemType","DimNmList":[],"DomNmList":[],"PerTyp":"CP"}None / لا يوجدNone / لا يوجد
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