Al Tijari Declares Net Profit of KD 121.2 Million for 2025. Annual Cash Dividend of 37 Fils per Share

Commercial Bank of Kuwait announced a net profit of KD 121.2 million for the year 2025. Operating profit before provisions at KD 123.6 million reflects a healthy growth of KD 6.4 million (5.5%). Earnings per share for the current year is 61.4 fils (2024: 79.7 fils). Board recommended a cash dividend of 37 fils per share (including 12 fils per share distributed for the first half of 2025). 

Operational Performance:

Sheikh Ahmad Duaij Al Sabah, the Bank’s Chairman, is pleased to present the Bank’s robust results for the year 2025. Operating profit before provisions grew by KD 6.4 million (5.5%) reflecting healthy performance amidst the ongoing global economic challenges and lower benchmark interest rates. Operational performance was supported by loan growth of KD 167.0 million (6.0%) and a 7.7% increase in fee income. Net profit of KD 121.2 million reflects normalized earnings levels, although this represents a year-on-year decline of KD 36.0 million (22.9%). The prior year’s results benefited from exceptional recoveries arising from a favourable legal verdict.

Regulatory Ratios:

Regulatory ratios remained resilient with Capital Adequacy Ratio at 18.3%, Liquidity Coverage Ratio 211.0%, Net Stable Funding Ratio 109.5% and Leverage ratio 10.8%. These ratios continue to be well above Central Bank’s statutory requirements.

Performance Ratios:

Al-Tijari showed stability with key ratios reflecting strong performance and efficient management despite prevailing political and economic uncertainties. Net interest margin for 2025 at 2.49%, Return on Equity 15.8% and Return on Assets 2.4%. Cost to income ratio 34.6% remains to be one of the lowest amongst Kuwaiti banks.

Business updates:

Sheikh Ahmad added that Al-Tijari continues to make swift strides in its digitalization journey, enhancing its digital platforms and launching innovative customer services. These advancements reflect the Bank’s commitment to provide seamless and user-friendly banking experiences.

The key business achievements during the year are:

• A multi-currency Certificate of Deposit program was established with a total value of USD 1 billion. Fitch assigned long term rating of ‘A’ to the program.
• Sheikh Ahmad added that in Q3 2025 Al-Tijari concluded a syndication loan with heavy oversubscription. Bank raised USD 500 million funds for a 5-year tenor. The financing witnessed participation from 23 Asian investors across 8 Asian countries.Sheikh Ahmad hailed these developments as a major leap forward for Al-Tijari, as it helped in funding diversification and establishment of a strong working relationship with a leading group of Asian investors.
• The Bank offered sponsorship and participation in Kuwait New Strategic Economic Conference 2025 organized by Kuwait Direct Investment Promotion Authority. The conference aims to support national economic diversity, promote investment in strategic sectors and empower financial markets.
• The Bank expanded its self-service network by installing new machines at several strategic locations across Kuwait. This initiative aligns with the Bank’s commitment to enhance customer experience by providing easy access to essential banking services close to their homes.

Diligent Efforts for Raising Customer Awareness: 

In an effort to connect with a wider audience and promote its offerings, Al-Tijari organized outreach events at various office and commercial complexes. These events served as a platform to introduce customers to the Bank’s range of products and services, while also fostering greater financial literacy among diverse segments of society.

Additionally, the Bank actively leveraged its electronic channels to raise awareness about cybersecurity. Through targeted communication messages and diverse activities, customers were educated on the importance of safeguarding their banking information and staying vigilant against potential fraud as part of the flagship campaign “Let’s Be Aware". The campaign also aimed at educating customers about different types of frauds, electronic crimes and scams, which target customers via email, SMS, phone calls and various applications.

Sustainability and Social Responsibility: 

The key initiatives taken during the year were:

• Al-Tijari released its 2024 Sustainability Report, highlighting the significant progress made by the Bank within the context of its "2022-2026 Shaping the Future". The report reflects the Bank's commitment to sustainable growth, in line with its strategic plan and Kuwait Vision 2035.

• In collaboration with a leading international risk management consultancy firm, the Bank successfully concluded the “Future of Sustainability: ESG Insights” seminar. The focus was on the importance of ESG sustainability principles within the business strategy of companies and their role in sustainable transformation and long term value enhancement of the companies.  

• Al-Tijari sponsored the “Water for Tomorrow”, a national initiative launched by the Capital Governorate, as part of its ongoing efforts to support national initiatives and promote sustainable development. The initiative focused on raising awareness among high school students about the importance of water consumption and rationalizing consumption, in line Kuwait’s 2035 development vision for environmental sustainability.

• The Bank contributed to the beach cleanup campaign in Marina Mall and Sharq area. The campaign reflects the Bank’s ongoing commitment to environment preservation and sustainable practices, while encouraging active public participation in environmental protection.

Kuwait Heritage Preservation

Al-Tijari released its 2026 annual calendar portraying aspects of Kuwaiti heritage, a tradition that the Bank has been implementing as part of its Kuwaiti Heritage Preservation campaign "Ya Zeen Turathna".

Thank You Note

Sheikh Ahmad concluded by extending his sincere gratitude and appreciation to the management, employees and all the regulatory authorities, especially the Central Bank of Kuwait, for their continuous support and guidance to the banking industry. Sheikh Ahmad also expressed his heartfelt appreciation to the Bank’s customers for choosing Al-Tijari as their banking services provider and hoping that Al-Tijari will always remain as “Customers’ Bank of Choice”.