NBK Tools

NBK Tools

Prayer Timings

  • Fajr

  • Duhr

  • Asr

  • Maghrib

  • Isha

Loan Calculator

Term Deposit Calculator

Currency Convertor


  • Important Notice

    Dear Customers, NBK – Jordan announces that Prime Lending Rate has become 7.75% effective on 6th May 2020.

  • Important Notice

    Dear Customers, According to the instructions of the Central Bank of Jordan, please note that you can deposit in the "Expatriates Return Trust Account Through Sea & Land Borders” account of number 1/3100/1185, which is dedicated for returning citizens who were given entry permission by the official authorities.



The National Bank of Kuwait (NBK) Jordan was established in 2004 by opening its first branch in the capital city Amman, to capture Kuwaiti linkages and service Group relationships locally. In 2017, the NBK Jordan relocated its headquarters to a vital area in Amman investing in a new head office which further helped to strengthen the presence and build a solid base.

NBK Jordan offers a wide range of corporate, trade, private banking and retail services and products and has fully dedicated relationship managers trained to offer tailored solutions that meet customers’ needs. NBK Jordan products and services include various types of accounts and in major currencies, cards products, online banking, safe deposit boxes, call center, credit product and trade finance. While the customer base has been broadened to include top tier local corporate, HNWIs, Affluent and Jordanian expatriates, NBK Jordan also works closely with its counterparts within NBK’s network of branches and subsidiaries to support customers with their cross-border transactions and global investment needs.

Vision & Mission

Our vision

The NBK vision is to be the trusted bank of choice, building on our core values, people and expertise.

Our mission

To deliver world-class products and the highest quality service to our customers.

To attract, develop and retain the best banking talent in the region.

To support the communities in which we operate.

To adhere to our core values of passion, integrity, conservatism and knowledge.

In following our mission, we believe that we will be able to achieve consistently superior returns to our shareholders.


The National Bank of Kuwait (NBK) was established in 1952 when a prominent Kuwaiti merchant went to the British Bank of the Middle East to open a letter of guarantee for the amount of 10,000 Indian rupees, (which is equivalent today to 750 Kuwaiti dinars). Much to his surprise, his request was rejected, on the condition that he provide a guarantor. This well-known merchant was shocked and appalled by the treatment that he had received, and news of this was all over town. 

This incident gave rise to the question and the idea of having a Kuwaiti bank with a mission to serve citizens’ needs as its priority, stimulate the economic growth of the country, and look after the savings of its clients. In fact, a meeting was held with the late Amir of Kuwait, H.H. Sheikh Abdullah Al-Salem Al-Sabah, who congratulated them on the idea and promised them his complete support. An Amiri decree was issued on May 19, 1952 to open the National Bank of Kuwait, and NBK started operations on November 15th 1952.

The founders of NBK are:

•    Khalid Zaid Al-Khalid
•    Ahmed Saud Al-Khaled
•    Khalifa Khalid Al-Ghunaim
•    Khaled Abdullatif Al-Hamad
•    Sayed Ali Sayed Sulieman Al-Rifai
•    Yousef Abdulziz Al-Fulaij
•    Yousef Ahmed Al-Ghanim
•    Mohamed Abdulmohsen Al-Khorafi
•    Abdulaziz Hamad Al-Sager

NBK was the first national bank in Kuwait and the entire Arabian Gulf region. All the board members and the founders of NBK were renowned merchants of Kuwaiti origin. NBK was established with a capital of 13,100 shares, each valued 1,000 Indian rupees – equivalent to 75 Kuwaiti dinars today. Over the years NBK has proved itself to be a financial leader in the Arab world.


Chairman's Message

“NBK delivered another set of healthy results, strengthening profitability while investing in business growth in various geographies, and executing against an ambitious digitisation roadmap.”

On behalf of the Board of Directors, it is my pleasure to introduce National Bank of Kuwait’s 2019 Annual Report. Navigating market headwinds, NBK delivered another set of healthy results, strengthening profitability while investing in business growth in various geographies, and executing against an ambitious digitisation roadmap. We remain a highly diverse banking group, and this plays a significant role in protecting and enhancing the quality of our income. The Bank is on the right path to future growth, and the pages that follow will offer in-depth analysis of our activities and performance for the year, with an informative view on the years to come.

Operating environment
Geopolitical tensions and the ongoing US-China trade war have proved disruptive to global growth and in MENA the continuation of a low oil price environment and political instability has put pressure on oil exporting economies. GDP growth in Kuwait was below expectation in 2019, due to lower oil output resulting from compliance with OPEC-imposed production cuts.

Although Kuwait’s near-term growth outlook remains modest, there has been a good deal of positive news concerning structural reforms and business conditions. Kuwait jumped 8 places to 46th (out of 141 countries) in global competitiveness rankings compiled by the World Economic Forum, thanks to significant improvements in sub-categories including ICT, health and labour markets. Perhaps most pleasingly, Kuwait ranked joint first in the world for ‘macro stability’, thanks to low inflation and healthy debt dynamics.

NBK still benefits from a stable macroeconomic operating environment and will continue to contribute to its growth and stability during the coming years.

Institutional strength
With a 67-year history as a national champion in Kuwait, the strength of the foundations of our institution are what provide us with such a solid platform for growth. Having expanded our franchise to over 150 branches in 15 countries across 4 continents, we have a truly diverse global presence; and with operations across consumer and private banking, corporate banking, Islamic banking and investment banking and asset management, we have a genuinely wide-reaching portfolio of services. This diversity further supports the robust character of our institution.

In 2019, our institutional strength was confirmed by the world’s 3 top credit rating agencies – Moody’s, Standard & Poor’s and Fitch Ratings – who reaffirmed their strong credit ratings for NBK with stable long-term outlooks. The assurance provided by these agencies is further demonstrated by the trust that customers and shareholders place in the Bank, and we have made it our mission to continue earning it.

Commitment to stakeholders
The Board of Directors continued to perform its duties in 2019, providing advice and feedback to Management. NBK’s General Assembly meeting
for 2018 was held in March 2019, at which there was a quorum of 79.97%. The AGM approved

the Board of Directors’ recommendation to distribute a cash dividend of 35 fils per share, representing 35.0% of the nominal share value in addition to 5% bonus shares. The Board and its Committees held a total of 54 meetings during 2019. The Board of Directors will recommend a dividend distribution of KD 226.4 million for 2019 equivalent to 35 fils per share at the Annual General Meeting that will be held in March 2020. The proposed cash dividend represents 56.4% of NBK Group’s Net Profit for 2019. The Board will also recommend the distribution of 5% bonus shares.  As at 31 December 2019, the Bank’s total market capitalisation was KD 6.9 billion.

A robust and comprehensive Corporate Governance framework is essential for establishing and maintaining the trust we seek from stakeholders. Healthy governance is, as such, the cornerstone of a sustainable bank. We continue to build on our governance processes and practices, with scheduled review and enhancement of the Board Charter and Corporate Governance policies, in addition to Board Effectiveness Evaluation.

We are of the belief that our Board is staffed by members possessing the correct range and balance of expertise and professional qualities – challenging and supporting executive management in the appropriate manner.

On behalf of the Board of Directors, our thanks are due to NBK’s Executive Management, as they consistently delivered on their role of pursuing the Bank’s strategic objectives and creating new opportunities for growth.

We would also like to extend our sincerest gratitude to NBK’s customers in Kuwait and around the world, for the commitment that they have shown to our Bank; and our thanks are equally due to the staff who serve them.

We are grateful to the Central Bank of Kuwait and the Capital Markets Authority, for their efforts in making our country and our industry attractive to investors.

Finally, we thank our shareholders for the trust they have placed in our business. We will continue to earn this trust in the years to come.  

“We have a genuinely wide reaching portfolio of services, and this diversity supports the robust character of our institution.”

Nasser Musaed Abdulla Al-Sayer
Chairman of the Board of Directors

Board Of Directors

Mr. Nasser Musaed Al-Sayer


Mr. Ghassan Ahmed Al-Khalid

Vice Chairman

Mr. Hamad Abdul Aziz Al-Sager

Board Member

Mr. Yacoub Yousef Al-Fulaij

Board Member

Mr. Hamad Mohamed Al-Bahar

Board Member

Mr. Muthana Mohamed Ahmed Al-Hamad

Board Member

Mr. Haitham Sulaiman Al-Khaled

Board Member

Mr. Emad Mohamed Al-Bahar

Board Member

Mr. Talal Al Kharafi

Board Member

Awards & Recognition


Global Finance

2008 - 2018, 2020

Best Trade Finance Bank in Kuwait

2013 - 2020

Best Foreign Exchange Provider in Kuwait

2013 - 2017, 2019 - 2020

Best Foreign Exchange Provider in the Middle East

2006 - 2019

World’s Top 50 Safest Banks for 14 consecutive times


Best Bank for Liquidity Management in the Middle East


Best Bank for Cash Management in Kuwait


Best Emerging Markets Bank Worldwide


The Innovators - Real Time End-To-End Payment Tracking on Customer Payment

2014 - 2019

Best Bank in Kuwait

2015 - 2019

Best Private Banking in Kuwait

2018 - 2019

Best in Mobile Banking - Consumer in Kuwait

2018 - 2019

Best Consumer Digital Bank in Kuwait


Best Mobile Banking App - Consumer in Kuwait

2013 - 2017

Best Foreign Exchange Provider in the Middle East

2010 – 2016

Best Emerging Market Bank in Kuwait


Best Bank for Financial Risk Management Kuwait


Best Bank for Financial Risk Management Middle East


Best Innovator in Trade Finance


Best Bank in the Middle East

2010 – 2013, 2015

Best Emerging Market Bank in the Middle East

2011 - 2012

Best Provider of Money Markets Fund in the Middle East

Euro Money


Best Cash Management for Non-Financial Institutions

1994 – 2018

Best Bank in Kuwait

2006, 2009, 2015 - 2018

Best Private Banking in Kuwait

2007, 2008, 2010, 2011, 2013

Best Bank in the Middle East

2012 – 2013

Best Managed Company in the Middle East


Best Investment Bank in Kuwait


Outstanding Contribution to Middle East Banking

The Banker

2007, 2008, 2010, 2011, 2013 - 2019

Bank of The Year - Kuwait

2007, 2008, 2010, 2011

Bank of The Year - Middle East


Best Customer Service and Project Finance in the Middle East

2007, 2009

Best Deal of the Year in the Middle East

2001, 2002, 2004, 2005, 2007

Best Deal of the Year in Kuwait


2015 - 2019

Number 1 Banking Brand in Kuwait