Total Assets increased by 7% and Net Financing Receivables by 16%

Al Marzouq: 2026 carries a clear-cut vision through which we aim to enhance KFH-Bahrain’s leadership to be the first choice in the Islamic banking sector.

Dr Zahran: 2025 represents a pivotal milestone in KFH-Bahrain’s journey, as the Bank successfully translated the rebranding phase and full integration into the KFH Group system into tangible financial and operational results.

2025 Highlights

· Reported Net Profit of US$ 730.6 million for 2025, representing a 1.7% growth compared to the previous year. · Total Assets increased by approximately 7% to reach US$ 29.0 billion as of 31 December 2025.

· Net Financing Receivables grew by 16% to reach US$ 11.6 billion, reflecting sustained expansion in the financing portfolio. · Total Operating Income increased by 11.7% to reach US$1,291.8 million for the year 2025.

14 February 2026 (Manama, the Kingdom of Bahrain):  Kuwait Finance House – Bahrain (KFH-Bahrain) announced a net profit attributable to the shareholders of the Bank of US$ 254.7 million for the fourth quarter of 2025, recording a growth of 84.5% compared to a net profit of US$ 138.0 million for the same period in 2024, primarily driven by a non-recurring gain from the sale of an investment.

Basic and diluted earnings per share amounted to US 2.2 cents in Q4 2025, compared to US 1.1 cents in Q4 2024. Total comprehensive income attributable to the shareholders of the Bank for Q4 2025 recorded approximately US$ 11.4 million, a decrease of 95.4% compared to US$ 245.0 million for the same period in 2024.

On an annual basis, KFH-Bahrain achieved a net profit attributable to the shareholders of the Bank of US$ 730.6 million for the 2025 financial year, achieving a 1.7% growth compared to the 2024 net profit of US$ 718.2 million, mainly due to higher operating income. Basic and diluted earnings per share for 2025 stood at US 6.3 cents, compared to US 6.2 cents in 2024. Disciplined cost management led to an improved cost-to-income ratio of 26.1%, compared to 27.9% in 2024. Net financing receivables increased by 16.2% to reach US$ 11.6 billion, reflecting sustained expansion in the financing portfolio. The share of financing receivables within total assets rose from 36.9% in 2024 to 40.1% in 2025, highlighting the Bank’s continued focus on strengthening its core financing portfolio.

Total comprehensive income attributable to the shareholders of the Bank during 2025 recorded US$ 783.0 million compared to US$ 715.9 million in 2024, an increase of 9.4%. Operating income for 2025 reached US$ 1,291.8 million compared to US$ 1,156.1 million in 2024, an 11.7% increase, reflecting the Bank’s continued efforts to rationalise expenses and enhance operational efficiency.

Total equity attributable to the shareholders of the Bank as of 31 December 2025 rose by 3.4% to reach approximately US$ 5.2 billion, compared to US$ 5.0 billion as of 31 December 2024. Total assets of KFH-Bahrain Group increased to US$ 29.0 billion as of 31 December 2025 compared to US$ 27.1 billion as of 31 December 2024, a 6.9% increase, driven by growth in financing receivables and Ijara assets.

The Board of Directors recommended a cash dividend of US 3.6 cents per share, subject to the approval of the Annual General Meeting (AGM).

Mr Hamad Abdulmohsen Al Marzouq, Chairman of KFH-Bahrain, commented: “KFH-Bahrain’s results for 2025 reflect its ability to maintain performance despite ongoing challenges and uncertain operating conditions. The Bank remains confident in its resilience and ability to sustain performance, backed by strong financial fundamentals and a disciplined, proactive approach to risk management. Based on these positive results and the Group’s strong financial position, the Board has recommended a cash dividend distribution, balancing the reward for shareholders’ trust with maintaining capital flexibility to support future growth opportunities and strategic priorities.”

He added: “As we embark on our new identity under the KFH brand, we are confident that this strategic transformation will open new horizons for growth and enhance Group integration. Our priorities for 2026 remain clear: to consolidate the Bank’s position as the Islamic bank of choice while continuing to deliver sustainable value to all stakeholders.”

Dr Shadi Zahran, Group Chief Executive Officer of KFH-Bahrain, stated: “2025 represents a pivotal milestone in KFH-Bahrain’s journey, as the Bank successfully translated the rebranding phase and full integration into the KFH Group system into tangible financial and operational results, contributing to KFH-Bahrain capturing 20% share of the Bahraini market in financing the business sector in the Kingdom. This was reflected in the 11.7% growth in operating income and the 9.4% rise in total comprehensive income attributable to the shareholders of the Bank, confirming the robustness of the business model and the effectiveness of corporate integration.”

He continued: “The bank worked on enhancing its financing portfolio for the business and corporate sector, as our financing solutions witnessed notable demand from this segment. Simultaneously, we continued to enhance the retail customer experience, led by the “MyHassad” savings programme, which has solidified its position as the largest prize-saving scheme in the Kingdom, contributing to the promotion of a savings culture and the building of sustainable customer relationships.”

The CEO concluded his statement by saying: “Building on these foundations, KFH-Bahrain continues to execute its strategic priorities for the coming period, with a focus on balanced growth, enhancing operational efficiency, and innovation in Shari’a-compliant solutions. In doing so, we leverage the Group’s strength and its regional and global expertise, enabling us to expand our business scope, deepen our presence in the local market, and deliver advanced banking solutions that meet the needs of various customer segments with efficiency and sustainability.'”