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Kuwait: Al-Bahar: Our solid financial position and diverse revenue streams enabled us to maintain significant earnings in 2023


Shaikha Al-Bahar, Deputy Group CEO at National Bank of Kuwait, commented on NBK's announcement of record profits for the financial year 2022, stating that the Group had a stellar performance in the fourth quarter of 2022, capping off yet another strong year.

In an interview with Bloomberg, Al-Bahar highlighted that NBK had strengthened its balance sheet both domestically and internationally and across different business segments; corporate, retail, and Islamic, maintaining market leadership.

“We continue to focus on maintaining exceptional credit quality and capitalization ratios, thus lowering the cost of risk, and increasing profitability. Moreover, we capitalized on higher interest rates as franchise deposits played a key role in helping achieve margin expansion”, Al-Bahar said.

Discussing the Group's strategies, Al-Bahar underlined that NBK remained committed to advancing its diversification and digitization agendas while the wealth management offerings strengthened their footholds in various markets.

Catalysts of Profitability 

Al-Bahar attributed the strong bottom line growth achieved in 2022 to stronger core banking income and a lower risk cost.

“The Group continued to grow its balance sheet, leverage its leading position in the market, and grow both the net interest income as well as fee income leading to total revenues growth of 12.2% year on year”, Al-Bahar confirmed.

Positivity and Optimism 

Al-Bahar shared her forecast for 2023, confirming a positive outlook as several of today’s uncertainties will unfold mainly around the global macroeconomic outlook.

“Oil prices are expected to remain relatively stable around current levels leaving the GCC markets with a positive sentiment, which means stronger business volumes. Meanwhile, with the higher rate environment, our solid financial and risk positions, and the diversified revenue streams, we should also continue to see healthy bottom-line growth in 2023”. Al-Bahar noted.

Growth Markets

Al-Bahar highlighted that the focus of the Group’s geographical footprint is to expand its presence in some key growth markets, with particular emphasis on GCC and Egypt.

“Our top priority market is Saudi Arabia, as we are approaching it on all fronts. The developments we see in the Saudi market fully align with the Group’s key strategic initiatives,” Al-Bahar stated.

“We are using our digital transformation strategy and the success we made in launching a digital bank experience in Kuwait as a foundation for regional growth and expansion, with a special focus on young demographics and retail businesses, especially in KSA and Egypt,” Al-Bahr said, adding that the Saudi market is also quite lucrative for wealth management activity and that is another cornerstone in our growth strategy.

“Under our newly launched Global Wealth Management platform, we have been active in the Saudi market, and the NBK franchise is playing an important role in our AUM growth in KSA,” Al-Bahar explained.

She also pointed out that the Group continues to focus on cross-selling in other developed markets, integrating its various offerings to maximize business opportunities and increase bottom-line contributions.

Higher Interest Rates 

When asked about the higher interest rates scenario, Al-Bahar responded that NBK is a very strong franchise bank. Generally speaking, higher rates should be positive for its margins and profitability, adding that CASA or franchise deposits are not rate sensitive and accordingly allows for margin expansion.

The EGP Devaluation Challenges

Commenting on the ongoing currency weakness and its repercussions on the Group, Al-Bahar said: “Egypt is a strategic market for us, and we always referred to it as our second home market.”

She indicated that although the recent currency devaluation moves are creating short-term shocks to the economy and leading to inflationary pressures, it is a move in the right direction, adding that this devaluation move has been expected for a long period of time. That uncertainty stalled a lot of activity that could generate foreign currency, including FDIs and other capital flows.

“Now that a more flexible currency regime exists, we expect a better outlook for the foreign currency squeeze. We have already started seeing some stability in EGP movements in recent days,” Al-Bahar predicted.

“Egypt is one of our key markets, but it is quite small in the Group context. The impact on the Group’s financials is mainly reflected in lower contribution when consolidating the Egyptian subsidiary because of the devaluation. Still, it is not material because of the size of Egypt’s operations in a Group context”, Al-Bahar said.

Missed Opportunities 

Al-Bahar shared her view on the current political situation in Kuwait and its potential impact on the business outlook, confirming that it continues to be volatile, given the government’s recent resignation. “This situation poses some challenges to the business environment and, most importantly, to the government’s infrastructure development program,” Al-Bahar explained.

“We view this as a lost opportunity especially considering Kuwait’s solid fiscal position and the financial capacity to accelerate the country’s Capex program to upgrade its infrastructure,” Al-Bahar added. 

Kuwait: NBK Reports KD 509.1 Million in Net Profits for the Year 2022


National Bank of Kuwait (NBK) released its results for the twelve months period ended December 31, 2022. The Bank recorded a net profit of KD 509.1 million (USD 1.7 billion), up 40.5% year-on-year from KD 362.2 million (USD 1.2 billion) in the corresponding period of 2021.

As of the end of December 2022, total assets grew by 9.3% year-on-year to reach KD 36.3 billion (USD 118.6 billion), whereas customer deposits surged by 10.4% to reach KD 20.2 billion (USD 65.9 billion). Meanwhile, total loans and advances stood at KD 21.0 billion (USD 68.6 billion), up by 6.5% year-on-year, while shareholders’ equity reached KD 3.4 billion (USD 11.2 billion), growing by 3.3% year-on-year.

In terms of distributions, the Board of Directors proposed a cash dividend of 25 fils per share for the second half of 2022, bringing the total cash dividends for the year to 35 fils, representing 52% of profits attributable. The Board of Directors also proposed the distribution of 5% bonus shares (5 shares for every 100 shares owned). The proposed cash dividend distribution and bonus shares are subject to approval by the Annual General Assembly, which will be scheduled during March 2023.

Earnings per share (EPS) stood at 65 fils per share at the end of the year, compared to 45 fils at the end of 2021.

Mr. Hamad Al-Bahar, Group Chairman commented on the financial results: “In a milestone year marking our seventieth anniversary, NBK reported historical results in 2022. As Kuwait’s first national bank, we established a solid foundation since inception and pioneered in promoting national economic development. NBK played a key role in empowering businesses across all sectors while also serving as an industry leader in Corporate Social Responsibility (CSR)”.

“We are proud to have achieved the highest annual profits in the Bank's history; driven by solid operational performance across all business segments, reflecting the soundness of our prudent strategy and solid financial position”, Al-Bahar continued.

NBK record earnings enable the bank’s efforts to support the economy, employ local talents, and boost community investments.

“Over the course of the year, new challenges emerged, including geopolitical tensions in Europe in the wake of the war in Ukraine, as well as tightened monetary policies pursued by most central banks around the world in a bid to curb high inflation, which threatens a global economic slowdown in 2023. Nonetheless, NBK rose above those challenges, thanks to its prudent risk management approach and diversification strategy” Al-Bahar highlighted.

The Board of Directors' recommendation to distribute more than half of the Bank’s profits reflects the bank’s internal capital generation capacity allowing it to maintain a lucrative dividend policy creating shareholders’ value, while preserving healthy capital buffers. Total cash dividends distributed over the past ten years reached KD 1.8 billion  in addition to KD 3.2 billion worth of bonus shares (based on NBK closing share price as of 31 December 2022)" Al-Bahar explained.

"Our commitment extends beyond creating value to our shareholders. We offer cutting edge services to our customers, invest in the development of local talents, and expand our reliance on local suppliers."

Al-Bahar confirmed that 2022 was a year of responsible growth, as the Bank executed remarkable strategies that marked a turning point in its efforts to enhance ESG practices. Moreover, in the early days of 2023, NBK announced its commitment to become carbon neutral by 2060 to support Kuwait's strategic initiative to drive environmental and socio-economic prosperity and the state’s commitment to carbon neutrality by 2060. As part of this commitment, the Bank has set interim goals to reduce its gross operational emissions by 25% by 2025. NBK is well-positioned to take the lead in addressing environmental concerns and climate change issues, as well as increasing its contributions to building an equitable and more diversified society.

“As we enter a new decade in NBK's journey, we remain committed to driving sustainable growth, supporting economic development, and creating the greatest possible added-value for all stakeholders; in the course of establishing the highest and best standard of banking services in Kuwait and the region." Al-Bahar concluded.

Meanwhile, Mr. Isam Al-Sager, Vice Chairman and Group CEO, said: “We are extremely pleased to report record results for 2022, given a challenging global operating environment. This stellar performance is a testament to the resilience of our business model and our ability to capture opportunities while it also reflects positively on our solid foundation that we continue to nurture to overcome challenges and drive sustainable growth.”

Al-Sager highlighted that the growth in profits is driven by stronger operational performance; with net operating income exceeding KD 1 billion, up 12.2% year on year. Furthermore, a gradual improvement in the operating environment following a return to business as usual continued to weigh positively on improving cost of risk; affirming NBK's success with its proactive risk management approach over the years.

Al-Sager also stated that the Group's international operations, as well as its Islamic subsidiary, Boubyan Bank, continue to contribute significantly to earnings growth. This asserts the diversification strategy's continued success, particularly with the Group's concentration on growth markets. In 2022, international operations accounted for approximately 26% of overall Group profits, with Islamic banking operations accounting for more than 10%.

"The Group continues to enjoy a healthy financial position, which was further strengthened in 2022 by the growth of our loan portfolio, customer deposits, and total assets, while maintaining high asset quality ratios”, Al-Sager confirmed.

"NBK was very successful in achieving a solid performance in its core banking activities, as the Bank continues to deliver tailored banking products and services to its customers, particularly digital offerings. Furthermore, the Bank was able to maintain its dominant market share in corporate banking and trade finance, as well as enhance the competitiveness of its wealth management platform, through the development of its human capital, operational model, and increasing synergies among the platform's services".

"These services and products empower the business sector and its ability to continue adding economic value, creating jobs, and advancing community development efforts, in addition to our pioneering role as the largest financier of development projects supporting the national economy”, Al-Sager added.

“Our activities and services serve all parts of society due to our dedication to meeting our social responsibilities and our emphasis on strengthening the human element, particularly young local talent, which accounted for 80% of the bank's 325 new recruits this year. The Bank will continue to focus on mentoring and developing the skills of these cadres through different training programs, specifically tailored to accelerate their learning curve. In addition to our efforts to promote school students' financial awareness through the launch of "Bankee" program, NBK Academy recently welcomed the twenty-seventh cohort of university graduates”.

“Meanwhile, we continued to enrich our customers' digital banking experience with a suite of the most innovative services and payment solutions. As the first digital bank in Kuwait, “Weyay” exceeded its customer acquisition targets within the first few months of its launch, as it caters to the financial needs and lifestyle of younger digitally savvy customers”, Al-Sager indicated.

“The year 2022 marks a turning point in our sustainability journey. To reinforce our commitment, we transformed our sustainability strategy in 2022 and launched our new ESG strategy to re-envision our focus on embedding ESG across all our operations and business. During the year, we introduced our Sustainable Financing Framework and increased our transparency by disclosing the environmental impact of our activities through CDP as part of a series of measures aimed at integrating ESG principles in all the Group’s operations. Recognizing our role at the forefront of enabling sustainable economic development, we are also committed to the transition to a low-carbon, sustainable economy and support the New Kuwait Vision 2035."

“In 2023, we will continue to build on the solid foundations we've established over the past 70 years, providing sustained growth in our revenues and investments to expand our digital capabilities, driving equitable economic development and maintaining our position as a market leader with a notable impact in promoting economic growth.” Al-Sager concluded.

Kuwait: NBK Celebrates the 7th Cohort of Graduates of “NBK High Fliers” Leadership Development Program


National Bank of Kuwait (NBK) celebrated the graduation of the 7th cohort of its leadership development program “NBK High Fliers” which is held in collaboration with IE Business School, Madrid.

The closing ceremony was attended by Mr. Isam Al-Sager, NBK Group Vice-Chairman and CEO, Mrs. Shaikha Al-Bahar, NBK Group Deputy CEO, Mr. Salah Al-Fulaij, CEO of NBK – Kuwait, Mr. Sulaiman Al-Marzouq, Deputy CEO of NBK- Kuwait, and Mr. Emad Al-Ablani, GM - Group Human Resources at NBK, as well as other members of the Executive Management at NBK and representatives of IE Business School, Madrid.

This cohort of the program extended over a period of 6 months and engaged International Branches staff. It covered a variety of topics including developing new and unconventional thinking, building a culture of excellence, managing change and innovation, measuring and managing performance, effective communication, high performance teamwork, customer centricity, design thinking, and effective guidance and training and many more.

The five contesting teams presented their innovative themes and solutions; and the panel, which consisted of the NBK’s Executive Management as well as the representatives of IE Business School, Madrid, selected the winning project, which will be implemented in line with NBK’s applicable terms and criteria.

On this occasion, Mr. Emad Al-Ablani, GM - Group Human Resources at National Bank of Kuwait said: “NBK continues this unique program that aims to prepare young banking leaders capable of maintaining the course of the bank’s success, reflecting our vision in placing sustainable development of human capital as a top priority.”

“NBK places the development of its people as a top priority, harnessing all its capabilities to contribute to their career progression by providing training and development programs held in partnership with globally renowned educational institutions, in order to keep pace with the key changes in the banking business,” he added.

Al-Ablani noted that NBK firmly believes that investing in human capital ensures sustainable growth of its business in the future at all levels. Therefore, the initiatives for learning, training, and upskilling the youth is a key priority placed at the heart of the bank’s strategic plans.

NBK has a unique work environment culture, in which it harnesses all capabilities to develop its employees by providing them with training and development programs in partnership with the most reputable educational institutions worldwide, in order to keep pace with the key development in the banking industry.

Founded in 1973, IE Business School, Madrid is one of the top leading business schools in the world. It is consistently recognized as one of the world’s top centers of learning by international magazines and publications including Forbes, the Economist, The Financial Times and Bloomberg.

Kuwait: NBK Celebrates With NBK KWT Visa Infinite Credit Cardholders


Underscoring its endeavors to be closer to its customers, National Bank of Kuwait (NBK) organized a special event at Al-Waha Walkway- Mishref to celebrate the 1st anniversary of NBK KWT Visa Infinite Credit Card, which witnessed large attendance and interaction from customers.

The event featured a variety of entertainment segments including many activities, games with prizes for the winners, which were highly engaging for the audience. The event also hosted food and coffee stations.

During the event, NBK KWT Visa Infinite Credit Cardholders enjoyed participating in various games in this special entertainment day reflecting NBK’s commitment to reward its customers with the best offers and exclusive benefits.

On this occasion, Mr. Hisham Al-Nusif, Deputy General Manager of Consumer Banking Group, National Bank of Kuwait, said: “We seek to provide a comprehensive and exceptional banking experience that suits all customer segment. This comes in line with NBK’s strategy to reward customers with a variety of draws and prizes that reflect its leadership as a provider of innovative, top-notch products and services.”

“NBK KWT Visa Infinite Credit Card gives its holders a unique lifestyle thanks to the benefits and offers it provides which are tailored to fit their needs and expectations,” he added.

Al-Nusif emphasized that NBK strives to stay closer to its customers, identify their needs and actively communicate with them through all channels to monitor their changing needs and develop products services accordingly.

“NBK KWT Visa Infinite Credit Card combines an exclusive package of exceptional rewards with a design inspiring national pride, making it a card like no other,” he noted.

NBK KWT Visa Infinite Credit Card gives customers the flexibility to choose the way they want to earn rewards based on their lifestyle; either the “Spends Tier” or “Merchant Category” option. Customer can earn NBK KWT Points on all their spends made using the card when choosing the “Spends Tier” earning option, based on their monthly spends, with up to 5% on digital payments, up to 5% on international POS and up to 3% on all other spends.

When choosing the “Merchant Category”, customers can earn NBK KWT Points on all payments made using NBK KWT Visa Infinite Credit Card at the selected categories, with 10% on dining and telecom, 5% on fitness and beauty and 3% on clothing, grocery and education.

In addition, customers can enjoy 10% NBK KWT Points when using their card at Ikea, Eureka, Farfetch, and booking.com.

The earned NBK KWT Points can be redeemed through NBK Online or Mobile Banking whether as cashback directly to the card, travel booking at more than 800 airlines and 150,000 hotels, e-vouchers from over 190 merchants, or points exchange with most preferred airlines.

Customers can redeem NBK KWT Points up to KD 1,000 per month. In addition, NBK KWT Visa Infinite Credit Cardholders can earn NBK Rewards Points at over 900 participating outlets.

Kuwait: NBK Embraces Environmental Transparency by Disclosing through CDP


National Bank of Kuwait (NBK) today announced that it has received a score of ‘C’ from CDP, a global non-profit that runs the world’s leading environmental disclosure platform, for its Climate Change and Forests 2022 Categories. This score is consistent with our roadmap to build environmental and socio-economic resilience. NBK furthered its commitment to environmental transparency by disclosing its environmental impact through CDP. NBK initially disclosed through CDP since 2021, and in June 2022 completed its first CDP’s Climate Change and Forests questionnaires.

Disclosing data around environmental impact is now a business norm. More than 680 financial institutions with US$130 trillion in assets and 280 purchasing organizations representing US$6.4 trillion in procurement spend requested environmental data from companies through CDP. A record 18,700+ companies responded in 2022.

NBK has one of the highest score of CDP disclosures among all financial institutions in the GCC and is the only financial institution who submitted this disclosure in Kuwait.

By disclosing through CDP, National Bank of Kuwait is prepared to respond to the increasing demand for environmental transparency from financial institutions, customers, and policymakers. In its disclosure, NBK shared the results of returning to more normal working patterns as employees moved into its new LEED GOLD HQ building and used 2021 as its new environmental performance baseline, to which we will compare our improvements in the coming years. We also shared our continued long-standing practice of annually assessing and reporting our environmental performance, including our energy and water consumption, waste and resource use, and greenhouse gas GHG emissions. Moreover, NBK highlighted how climate change presents risk and opportunities for the organization by examining in detail the best role for the bank to play in supporting our environmental and societal efforts to overcome this challenge and to grow the bank in the wisest pursuit of specific opportunities. NBK’s primary role will be its financing efforts to effectively respond to this challenge and increase its focus on climate change in our risk management processes. Additionally, in its disclosure, NBK transparently covered environmental commitments as a result of its publicly available Sustainable Financing Framework. These assurances included developing internal targets to reduce our gross operational emissions by 25% by the year 2025 and NBK’s ambition to integrate critical ESG issues into the business, culture and operations, thereby advancing the transition to a sustainable and low carbon economy and contributing to achieve Kuwait’s sustainability vision.

On this occasion, Mr. Isam Al-Sager, NBK Group Vice-Chairman and CEO Group, said: “Today, we are witnessing a new milestone in embracing sustainability that we started years back by being listed among the institutions disclosing the environmental impact of their operations through CDP, the world’s leading environmental disclosure platform.”

“This listing furthers NBK’s commitment to adopting greater transparency in disclosing the environmental impact of all its operations. This comes in line with focusing on embedding ESG standards into all its activities and reinforcing its contribution to supporting the transition towards a sustainable, low-carbon economy,” he indicated.

Al-Sager added: “Our listing in the CDP, coupled with the recent launch of our Sustainable Financing Framework, will further strengthen NBK’s accessibility to global capital markets, where it is already highly trusted and respected.”

“We are adamant to continue progressing towards advancing sustainable finance and responsible banking practices at the core of our operations and currently exploring technologies to support our aspiration to become net zero operationally by 2035,” Al-Sager continued.

“We continue to be committed to playing a responsible role in supporting global efforts to reduce carbon emissions and mitigate climate change risks. To this end, we have set specific measurable and reportable targets, in line with our endeavors to integrate climate-related considerations in our future business model,” he noted.

On his part, Dexter Galvin, Global Director of Corporations and Supply Chains at CDP, commented, “Another year of extreme weather, including floods, droughts and record temperatures, has shown us that climate change is already posing a real and increasing risk to companies and their supply chains. Companies have a fundamental role to play in securing a sustainable net-zero, deforestation-free and water-secure world. It is only through measuring their environmental impact, risks and opportunities that they can manage them and prepare for the future. By disclosing through CDP, National Bank of Kuwait has taken a vital first step. I look forward to their continued dedication to transparency and action for the benefit of all people and the planet.”

It is worth mentioning that National Bank of Kuwait is one of the leading financial institutions in the region in terms of embracing sustainability practices, with major contributions appreciated by international institutions. This includes receiving the Leadership in Energy and Environmental Design (LEED) Gold Certificate for its new Headquarters, recognizing the improvement achieved in all measured and reported environmental metrics including reducing GHG emissions, and increasing recycled paper and plastic. NBK was also listed on Refinitiv AFE Low Carbon Select Index in the Middle East and North Africa (MENA).

Furthermore, National Bank of Kuwait is the largest financial institution in Kuwait and has actual predominance in the commercial banking sector. The bank enjoys one of the highest credit ratings among all banks in the region, collectively from global rating agencies: Moody’s, Standard & Poor’s, and Fitch.

CDP is a global non-profit that runs the world’s environmental disclosure system for companies, cities, states and regions. Founded in 2000 and working with more than 680 financial institutions with over $130 trillion in assets, CDP pioneered using capital markets and corporate procurement to motivate companies to disclose their environmental impacts, and to reduce greenhouse gas emissions, safeguard water resources and protect forests. Nearly 20,000 organizations around the world disclosed data through CDP in 2022, including more than 18,700 companies worth half of global market capitalization, and over 1,100 cities, states and regions.

The full list of companies disclosing through CDP can be accessed here:


Kuwait: NBK Introduces New Designs for All Its Cards


NBK is always keen to extend its commitment in providing customers with solutions that meets their needs and preferences. In this context, the bank is working on the redesign of its cards design based on extensive yearlong customer research.

NBK has embedded the Japanese concept of poka-yoke (fool-proofing) to card design, with design themes provide clear differentiation between Credit, Debit and Prepaid cards.

As part of social responsibility, the bank is introducing many new features especially designed for visually impaired.

Customers can distinguish the card they want to use even in the dark, customers with special needs will be able to distinguish the card by touch and feel through a special card feature.

In addition, customers will be able to choose and pull the card they want to use out of the wallet without the need for the card to be fully visible, through a special feature. Ergonomically designed for ease of use on ATM, POS, and e-wallet, the customer will not enter the card in a wrong way on the ATM anymore. The new cards also include better security features to prevent card fraud.

The bank also carried out a semiotic research on the card color preference to identify color schemes as per customer life styles. This new design will help customers choose the card they want to use and reduce mistakes which makes customers satisfied and reduce complaints.

On this occasion, Mr. Mohamed Al-Othman, GM - Consumer Banking Group at National Bank of Kuwait said: “The redesign of the cards with new colors and features aims to meet customers’ needs, the new card design is based on research on customers preference, as we always work on providing customers with the best products and services.”

The new design also demonstrates NBK’s responsibility towards all segments of society, as Al-Othman commented: “In NBK, we always dedicated services and features for special needs customers whom we always think about tailor services and products to meet their needs. Today we wanted to give the visually impaired customers the easiness and accessibility of differentiating the cards they want to use, underscoring our unwavering social responsibility commitments.”

“The new card design is based on extensive research on customers’ preference and within the constant communication with them in line with NBK’s keenness to be always closer to its customers,” he noted.

“As NBK is always pioneering the introduction of all-new banking solutions in the market, we are setting new designs standards for card in Kuwait. The new design comes with many new enhancement and features that will make selecting the card to use much easier for customers,” he added.

On his part, Majed Ghorbal, Head of Insight at National Bank of Kuwait said: “The voice of our customers was injected at the different stages of the design of the new cards. In fact, extensive researches were conducted by NBK Research Team using advanced research techniques in order to understand each segment’s needs and preferences in terms of card’s features, colors, look and feel.”

“In total, more than 1,000 customers participated to the Qualitative Research that took place prior to the design phase and to the User Testing that was conducted once the design options were ready. Therefore, we are strongly confident that the final design is fully in line with our customers inclinations,” he mentioned.

Kuwait: NBK Concludes Its Participation in the Largest Private Sector Career Fair in Kuwait


National Bank of Kuwait (NBK) concluded its participation in the Watheefti Career Fair, the largest career fair organized by the private sector in Kuwait, which was held over 3 days from 5 to 7 January 2023 at The Arena - 360 Mall.

This participation underscores NBK’s consistent commitment to support young national cadres and its endeavors to acquire high-caliber Kuwaiti talent in the banking sector.

The Watheefti Career Fair organized by Kuwait Zones aimed to provide a meeting point between private sector companies and potential candidates looking for a career. It will also help graduates navigate their way into the labor market and connect directly with companies and institutions to secure job opportunities.

NBK’s booth at the Fair witnessed a noticeable turnout from the visitors, as Group Human Resources staff responded to all inquiries raised by the visitors who filled out the job applications for available vacancies. This comes in line with the bank’s endeavors to encourage those graduates to join the banking sector, which plays an instrumental role in developing the Kuwaiti economy.

On this occasion, Mr. Emad Al-Ablani, GM – Group Human Resources at National Bank of Kuwait said: “We are pleased with our participation in this fair, which reflects NBK’s keenness to be an active participant in the different professional and career fairs. By this, we seek to promote sustainability, especially in terms of social responsibility, by increasing the job nationalization “Kuwaitization” in the banking sector.”

“Reflecting its role as one of the biggest supporters of young national talent and qualifying them for the labor market, NBK provides educational and awareness services during career fairs to help the youth looking for job opportunities in the private sector make the right decision about their career,” Al-Ablani noted.

“NBK firmly believes that talent acquisition and retention is one of the key drivers of achieving responsible growth, starting from our approach to hiring new recruits, to the many ways through which we support their professional development and career growth,” he added.

Al-Ablani explained that NBK not only provides job opportunities in the largest financial institution in Kuwait and the region, but also promising career path and prospects, thanks to its world-class professional training resources and programs, which help upskill the youth and increase their efficiency.

“NBK follows a unique approach to ensure equal opportunities, by offering equal opportunities to all employees, with no exception, to keep them dedicated and motivated to innovate. We are also committed to provide job opportunities to special needs nationals, regarding this as part of our national duties and social responsibility, as workforce diversity gives a special edge to NBK’s business spanning 4 continents and 15 countries worldwide,” he emphasized.

It is worth mentioning that during 2022, NBK hired 369 new recruits, 80% of them are Kuwaitis, making up 75.2% of total workforce by end of Q3 2022.

Recognizing its efforts in this regard, NBK was awarded “The Job Replacement and Nationalization Award” on GCC level by the Committee of the GCC Ministers of Social Affairs of GCC Countries.

On this occasion, Gadeer Al-Kooheji, Talent Acquisition Manager - Group Human Resources at National Bank of Kuwait said: “NBK’s constant participation and presence at the different annual professional and career fairs organized by many entities reflects its strategy to promote sustainability practices, especially in the CSR area. This also aligns with serving the goals of the New Kuwait Vision 2035, increasing national labor ratio in the banking sector and supporting the national economy. ”

“NBK regards career fairs as important platforms to select and acquire national talent, while, at the same time, offering fresh graduates an opportunity to explore the job and training opportunities available at the bank. In addition, this supports the bank’s endeavors to promote the culture of private sector employment among the Kuwaiti youth, and acquire well-qualified candidates to join the banking sector. ” she noted.

NBK’s recruitment strategy is based on acquiring, training and developing the young national cadres through the best-in-class programs to help them build a successful career that qualifies them to taking on future leadership positions in the bank. This makes NBK the private sector employer of choice for the Kuwaiti fresh graduates as it boasts the highest Kuwaiti employee retention rate.

The bank’s endeavors to acquire national talent go in line with its development and training plans to invest in national cadres and prepare a promising banking generation. The bank also offers a wide range of training courses and professional academic programs, being one of the leading banking institutions in Kuwait in organizing training programs for the youth.

Kuwait: NBK Organizes a Lecture Titled “Conditions for Success” for Its Employees


National Bank of Kuwait (NBK) makes consistent endeavors to increase employees’ efficiency through the best-in-class training and development programs and workshops to keep pace with the latest changes in the banking industry. In this context, the bank organized a lecture titled “Conditions for Success” by Professor Mark Fritz, the prominent leadership speaker, author and international consultant on personal and leadership effectiveness, and professor at IE University - Business School Madrid.

The lecture, which was attended by 50 managers from different groups and departments across the bank, discussed ways to manage long-term success and enable work teams to make greater achievement on their own.
The lecture aimed to define the conditions for success for managers and companies at various job levels by adopting a set of important factors including: Clarity, Business Judgment by trusting judgment to keep delegating decisions, as well as Influencing Skills through more effective cooperation among team members.

The lecture shed light on the conditions for a successful teamwork environment, as well as the cooperation skills that are the main characteristics that successful managers look for in their employees.

Commenting on this intervention, Najla Al-Sager, Head of Talent Management, Group Human Resources at National Bank of Kuwait, said: “NBK believes that leaders are the critical factor to create the environment and culture we strive for, a culture that allows our employees to unlock their full potential and thrive.”

“The Talent Management Department’s offerings are constantly evolving, by introducing new educational opportunities that promote an open work culture. This includes an offering designed to empower leaders to create an environment driving employees’ innovation and creativity,” Al-Sager added.

“NBK provides the training programs and the essentials required for future leaders to be able to adapt, as well as stimulate and empower others, and be decisive in the times of uncertainty,” she mentioned.

Al-Sager noted that managers development programs have always been a key focus for NBK, stemming from a consistent vision of how we understand leadership and what we expect from leaders. It also reflects the unique needs of leaders and is supported by rigorous scientific research to identify the knowledge and skills that form the core of effective and comprehensive leadership to meet staff training needs.

It is worth mentioning that organizing such events comes in line with NBK’s commitment towards the continuous development of its employees. The bank regards training and development as valuable essential investments for the mutual benefit of employees and the bank, which are ultimately translated into better customer service.