KUWAIT FINANCE HOUSE PLC
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Cash
—
Latest balance sheet
Net assets
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Equity attributable
Employees
—
Average over period
Profit before tax
—
Period ending 2025-12-31
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Net interest income | — | — | £49,208,714 | — | |
| Fee & commission income | — | — | £5,873,634 | — | |
| Operating income | — | — | £61,425,363 | — | |
| Impairment losses | — | — | £5,997,904 | — | |
| Profit before tax | £45,789,040 | £38,850,127 | — | — | |
| Net profit | £35,174,427 | £29,359,186 | — | — | |
| Loans & advances to customers | — | — | — | — | |
| Customer deposits | — | — | — | — | |
| Total assets | £2,189,857,763 | £2,051,110,945 | — | — | |
| Total liabilities | — | — | — | — | |
| Equity | £250,581,674 | £260,528,522 | — | — | |
| Average employees | 125 | 138 | — | — |
Figures converted to GBP from USD at 0.749 per USD (Frankfurter spot rate) — hover any figure for the original. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Operating margin | 34.2% | 28.0% | — | |
| Net margin | 26.3% | 21.2% | — | |
| Gearing (liabilities / total assets) | 88.6% | 87.3% | — |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Name history
Renamed 2 times since incorporation — the current trading name was adopted 2025-01-17
- KUWAIT FINANCE HOUSE PLC 2025-01-17 → present
- AHLI UNITED BANK (UK) PLC 2002-12-31 → 2025-01-17
- UNITED BANK OF KUWAIT PLC(THE) 1966-04-27 → 2002-12-31
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Consolidated group
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Based on this review, the Directors have a reasonable expectation that the Bank has adequate resources to continue in operational existence for the period to 18 March 2027, and therefore the financial statements have been prepared on a going concern basis. Furthermore, the Directors are not aware of any material uncertainties that may cast significant doubt upon the Group's ability to continue as a going concern.”
Group structure
- KUWAIT FINANCE HOUSE PLC · parent
- AUB Trustees (Guernsey) Limited 100%
- AUB Investment Holdings 100%
- AUB Secretaries Limited 100%
- Bless Business Services Limited 100%
- Credo Services Limited 0%
Significant events
- “In line with the ongoing strategic integration into the wider KFH Group, on the 16 January 2025 the Bank held a General Meeting whereby the members resolved the special resolution to change the company name to Kuwait Finance House PLC.”
- “Subsequent to the balance sheet date, a significant escalation in the Middle East conflict has occurred. At the date of approval of these financial statements, it is too early to assess the potential direct or indirect financial impact on the Bank.”
- “Based on the Bank's Sharia conversion strategy, the Bank served notice on 15 January 2026 to the Trustees of the Fund to move to a buy-out phase and begin the formal procedures to wind up the Fund in accordance with the scheme rules, which is anticipated to be fully completed in early 2027.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
9 active · 69 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| HARNBY, Neil | Secretary | 2025-02-06 | — | — |
| ALFOUZAN, Mohammad Nasser, Mr. | Director | 2025-05-23 | Dec 1962 | Kuwaiti |
| ALGHANIM, Fahad | Director | 2023-04-12 | Nov 1977 | Kuwaiti |
| CRAWFORD, Philip | Director | 2024-04-11 | Nov 1970 | British |
| EL-LABBAN, Adel Mohamed Abdel Shafe | Director | 1999-05-06 | Jun 1957 | Egyptian |
| JONES, Robin Douglas | Director | 2025-04-14 | Jan 1964 | British |
| NAJIBI, Khalid Mohamed Yusuf | Director | 2019-09-03 | Aug 1967 | Bahraini |
| STEELE-BODGER, Duncan | Director | 2025-04-01 | Apr 1962 | British |
| ZAHRAN, Shadi Ahmed Yacoub | Director | 2023-04-01 | Jul 1972 | Jordanian |
Show 69 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BOOTH, Emma Jane | Secretary | 2015-01-09 | 2018-11-22 |
| DUNNACHIE, Graham Russell | Secretary | 2004-11-22 | 2012-04-17 |
| DUNNACHIE, Graham Russell | Secretary | 1999-04-26 | 2003-06-18 |
| HAMILTON, Jane | Secretary | 2012-05-03 | 2014-11-26 |
| HARNBY, Neil | Secretary | 2019-01-08 | 2019-09-27 |
| HARVEY, Andrew | Secretary | 2024-11-15 | 2025-02-06 |
| JAMAL, Nizar Ahmed | Secretary | — | 1992-12-15 |
| JOYCE, Nicholas | Secretary | 2020-02-07 | 2024-11-15 |
| WATTS, Colin Andrew | Secretary | 1992-12-15 | 1999-04-23 |
| WEBER SCHWIDROWSKI, Andreas | Secretary | 2003-06-18 | 2004-11-22 |
| AL DABBOUS, Ghanem Hamad | Director | 1997-07-31 | 1998-07-30 |
| AL FARHAN, Mohammed Ahmed | Director | 1996-04-24 | 1998-07-14 |
| AL FOUZAN, Khaled Nasser | Director | 2005-03-15 | 2019-02-28 |
| AL GHUNAIM, Maha Khalid | Director | 1994-03-24 | 1998-09-09 |
| AL MARZOUQ, Hamad Abdulmohsen | Director | 1998-09-01 | 2014-01-28 |
| AL MEER, Rashed Ismail Khalil | Director | 2003-05-16 | 2019-04-09 |
| AL MUTAIRI, Ali Al-Hilal | Director | 1998-09-10 | 2000-04-10 |
| AL SALEH, Najeeb | Director | — | 1992-12-15 |
| AL WAZZAN, Khalid Jassim | Director | 1997-10-01 | 2001-03-31 |
| AL-DABBOUS, Ghanem Hamad | Director | — | 1996-04-02 |
| AL-FALAH, Saleh | Director | — | 1998-07-30 |
| AL-GABANDI, Abdullah Ahmad | Director | — | 1992-12-15 |
| AL-GHANIM, Talal Marzook | Director | — | 1992-12-15 |
| AL-GHARABALLY, Mahmoud | Director | 1996-08-01 | 1997-04-15 |
| AL-HAMAD, Muthana | Director | 1996-04-24 | 1997-06-02 |
| AL-HUMAIDHI, Hamad Mishari | Director | 2015-04-06 | 2019-02-28 |
| AL-KHALID, Abdulwahab Fahed | Director | — | 1993-04-25 |
| AL-MARZOUQ, Adnan Abdulmohsen | Director | 2014-04-25 | 2019-03-31 |
| AL-NAHEDH, Saad Ali | Director | — | 1996-04-21 |
| AL-RAJAAN, Fahad Maziad | Director | — | 2015-01-22 |
| AL-RUSHAID, Bader Abdullah | Director | — | 1998-07-30 |
| AL-SAGAR, Hamad Abdulaziz | Director | — | 1992-12-15 |
| AL-SHAMALI, Jassem Haider Ali Mohammed | Director | 2019-04-15 | 2023-03-23 |
| AL-SULTAN, Adnan, Dr | Director | 1993-03-26 | 1993-12-22 |
| AL-YASIN, Sulaiman Khalil | Director | — | 1996-04-07 |
| AL-YOUSEF, Saleh Mohammed | Director | — | 2001-03-31 |
| ALGHANIM, Fouad | Director | 1998-11-10 | 2001-03-31 |
| ALHUMAIDHI, Jehad Saud | Director | 2023-04-01 | 2026-04-27 |
| ALOTHMAN, Meshal | Director | 2019-09-19 | 2022-10-31 |
| ALSTON, Charles Stephen Withycombe | Director | 2005-05-20 | 2008-09-15 |
| ALSUMAIT, Abdulla Mohammed Hamad | Director | 1998-08-25 | 2001-03-31 |
| BEHBEHANI, Mohammed Saleh | Director | — | 2001-03-31 |
| BUKHAMSEEN, Emad Jawad | Director | 1998-10-07 | 1998-11-27 |
| BUXTON, Andrew Robert Fowell | Director | 1999-11-01 | 2001-06-30 |
| CASSON, David Hamilton | Director | 2005-09-14 | 2015-11-20 |
| COLLIS, Michael Anthony | Director | 2000-11-18 | 2009-01-16 |
| CROCKER, Jonathan William Frank | Director | 2002-02-20 | 2003-05-31 |
| DUNNACHIE, Graham Russell | Director | 2004-03-19 | 2012-04-17 |
| EBRAHIM, Sawsan Abulhassan Mohammed | Director | 2009-03-02 | 2015-06-19 |
| FERGUSON, Jakes David | Director | 2013-04-01 | 2014-08-07 |
| FORSTER, James Edward Frere | Director | 2008-10-01 | 2017-01-13 |
| GALE, Keith Henry | Director | 2015-09-03 | 2022-09-05 |
| GREEN, Nigel Patrick John | Director | 2007-07-11 | 2008-05-02 |
| GWINNELL, Peter Gordon | Director | 2010-01-04 | 2010-02-10 |
| HODGKINSON, David Howard | Director | 2015-06-18 | 2025-06-25 |
| HOLGATE, Geoffrey Vernon | Director | 2003-06-18 | 2005-05-01 |
| HOWE, Geoffrey Michael Thomas | Director | 2001-05-25 | 2005-03-15 |
| HUSSEY, Stephen James | Director | 2010-06-07 | 2023-01-31 |
| JABLONOWSKI, Alexander Mark | Director | 2000-11-18 | 2002-02-14 |
| JONES, Robert John | Director | 2006-10-02 | 2010-06-07 |
| MARAFIE, Mohammed Ibrahim | Director | 1993-03-26 | 1999-10-28 |
| O'LOAN, David Arthur | Director | 2022-10-11 | 2023-03-15 |
| POST, Herschel | Director | 2001-05-25 | 2018-08-25 |
| STEEL, James Thomas Jordan | Director | 2016-04-25 | 2025-09-30 |
| TAMIM, Sami Baha Eddine | Director | 2014-07-08 | 2023-11-03 |
| TAYLOR, Stuart Joseph | Director | 2010-09-01 | 2014-01-31 |
| WATERS, Stewart George | Director | 2005-06-01 | 2006-09-30 |
| WOOD, Keith Robert | Director | 1998-04-01 | 2001-03-31 |
| YOUNG, Philip James | Director | 2000-11-18 | 2004-01-22 |
Ownership
Persons with significant control
Filing timeline
Last 20 of 308 total filings
Material constitutional events — rename, articles re-file, resolution
- 2025-01-20 MA Memorandum articles
- 2025-01-20 RESOLUTIONS Resolution
- 2025-01-17 CERTNM Certificate change of name company PDF
- 2024-08-30 MA Memorandum articles
- 2024-08-28 CC04 Statement of companys objects
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-14 | AA | accounts | Accounts with accounts type group | |
| 2026-04-28 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-03 | TM01 | officers | Termination director company with name termination date | |
| 2025-06-25 | TM01 | officers | Termination director company with name termination date | |
| 2025-06-11 | AA | accounts | Accounts with accounts type group | |
| 2025-05-27 | AP01 | officers | Appoint person director company with name date | |
| 2025-04-28 | AP01 | officers | Appoint person director company with name date | |
| 2025-04-10 | AP01 | officers | Appoint person director company with name date | |
| 2025-03-28 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-02-19 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-02-17 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-01-20 | MA | incorporation | Memorandum articles | |
| 2025-01-20 | RESOLUTIONS | resolution | Resolution | |
| 2025-01-17 | CERTNM | change-of-name | Certificate change of name company | |
| 2024-11-19 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-11-18 | TM02 | officers | Termination secretary company with name termination date | |
| 2024-08-30 | MA | incorporation | Memorandum articles | |
| 2024-08-28 | CC04 | change-of-constitution | Statement of companys objects | |
| 2024-04-17 | AA | accounts | Accounts with accounts type group | |
| 2024-04-15 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 3
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 2
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.