Al-Tijari Declares Net Profit of KD 90.2 Million for the first nine months of 2025

Commercial Bank of Kuwait announced a net profit of KD 90.2 million for the nine months period ended 30 September 2025 compared to KD 88.5 million for the same period last year is higher by 2%. Earnings per share for the current period is 45.7 fils (September 2024: 44.9 fils).

Operational Performance:

Sheikh Ahmad Duaij Al Sabah, the Bank’s Chairman, presented the Bank’s results for the first nine months of 2025 with a Net Profit of KD 90.2 million, reflecting a year-on-year growth of KD 1.7 million (1.9%). Operating profit before provisions grew by KD 3.8 million (4.3%) reflecting healthy performance amidst the ongoing global economic challenges and lower benchmark interest rates. The operational performance was aided by 4.0% growth in loans and 9.0% increase in fee income, partly offset by higher operating expenses. Loans and advances grew by KD 111.0 million compared to September 2024.

Regulatory Ratios:

Regulatory ratios remained strong and continue to be well above the Central Bank’s statutory requirements. Capital Adequacy Ratio is at 17.7%, Liquidity Coverage Ratio 184.3%, Net Stable Funding Ratio 109.0% and Leverage ratio 10.4%.

Performance Ratios:

Sheikh Ahmad emphasised that Al-Tijari continues to report stable performance ratios considering the global economic uncertainties. Net interest margin for YTD September 2025 at 2.60%, Return on Equity 16.1% and Return on Assets 2.5% which reflects strong performance and efficient management. Cost to income ratio 33.5% remains to be one of the lowest amongst Kuwaiti banks.

Business updates:

Sheikh Ahmad added that Al-Tijari recently concluded a syndication loan which was heavily oversubscribed. Bank raised USD 500 million funds for a tenor of 5 years. The financing witnessed participation from 23 Asian investors across 8 Asian countries.

A multi-currency Certificate of Deposit program is established with a total value of USD 1 billion. Fitch assigned long term rating of ‘A’ to the program. The tenor of the Certificate of Deposits shall range between minimum one week and maximum five years.

Sheikh Ahmad hailed these developments as a major leap forward for Al-Tijari, as it would help towards funding diversification and establishment of a strong working relationship with a leading group of Asian investors.

In addition, the Bank actively leveraged its electronic channels to raise awareness about cybersecurity. Through targeted communication, the Bank educated customers 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 messages, phone calls and various applications. 

Thank You Note

Sheikh Ahmad concluded by extending his sincere gratitude and appreciation the management, employees and all the regulatory authorities, especially the Central Bank for their continuous support and guidance to the banking industry. Sheikh Ahmad also expressed his heartfelt appreciation to 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”.