NBK Tools

NBK Tools

Al Jawhara Calculator

The minimum deposit is KD 50 and maximum deposit is KD 500,000.
In case of no withdrawal within the holding period, extra chances will apply

NBK Miles Points Calculator

Prayer Timings

  • Fajr

  • Duhr

  • Asr

  • Maghrib

  • Isha

Loan Calculator

Loan Refinancing Calculator

NBK Rewards Points Calculator

Term Deposit Calculator

Currency Convertor


  • Announcement of System Maintenance

    Dear Customer, To better serve our clients, a system maintenance will take place on Friday 24 January 2020 between 4:00am & 6:00am. You may experience some difficulties when using NBK Call Center 1801801. If you face any difficulty using our electronic channels during the limited time period, please contact us at 22593273 For more information, please contact us via NBK WhatsApp on 1801801 or on our NBK Social Media channels. Thank you for your cooperation.

  • Important Notice

    NBK will never ask you for your account number, card number, CVV, OTP/PIN numbers over the phone, Viber, WhatsApp or any other means. Please do not disclose your personal information to anyone. Learn more

News & Announcements

Filter By:

Kuwait: NBK Group Human Resources discusses means to boost strategic partnership with KOC


A staff mission from the Group Human Resources at the National Bank of Kuwait (NBK) has made a visit to the Kuwait Oil Co. (KOC) to discuss means to boost strategic partnership between both parties especially in field of development.

During the visit, NBK’s staff mission discussed the Group Human Resources’ business model, in addition to the bank’s development tools, best methods to enhance positive behavior as well as employees’ incentive plan. The mission also touched upon methods to bolster the teamwork, productivity, comprehensive quality system in addition to the best digital solutions.

Then, the staff mission comprising Anwar AlSabti, Team Leader – Personnel Services; Haneen Al-Mansour, Senior MIS Officer - Group Human Resources; Sarah Al-Rayes, Employee Relations Officer and Faisal Dashti, Manager in Foreign Corporate, Oil and Trade Finance Group, has paid a visit to KOC Ahmed Al Jaber Oil & Gas Exhibition. This exhibition represents a prominent cultural icon that helps the documentation of the oil history in Kuwait, in addition to the latter’s role in the petroleum industry.

NBK continues to play a key role for the oil sector companies, given its strong commitment to KPC and its affiliated units, together with its prominent role in developing the human capital in the state-owned entities, thanks to being the strategic partner to public sector.


The NBK is also keen on developing the human capital especially in the state-owned entities in line with its social responsibility framework. The NBK’s annual initiatives underline its profound strategy aimed at investing in the human resources, and further echo its primary role in the community service for decades.  NBK’s programs continue to reflect the leadership role it has undertaken for decades in the local sector.

Last year, the bank’s Human Resources completed the second phase of the training program held for employees of the Kuwait Petroleum Corporation (KPC) and its subsidiaries. The program was aimed at developing the technical skills of KPC employees and covered several business divisions including treasury, finance and accounting.

Kuwait: NBK sponsors “TAMAKAN” training program for fresh Kuwaiti university graduates


National Bank of Kuwait (NBK) sponsors “TAMAKAN” training program for fresh Kuwaiti graduates, as part of the strategic partnership with “Creative Confidence”.

The program is an innovative training experience especially tailored for fresh Kuwaiti university graduates. It aims to support young Kuwaiti graduates to develop their skills, expand their capabilities and grow their knowledge in a way that will make them compelling candidates for employment.

NBK will be hosting the program and providing a real business challenge that participants will work on into the final stages of the training sessions. The program will start on the 10 February until 20 April 2020. TAMAKAN is a full-time commitment for 10 weeks, 5 days a week, from 8:30pm-3:30 pm.

NBK Public Relations and Communications Assistant General Manager, Manal Faisal Al Mattar, said, “NBK’s sponsorship and participation in the program comes as a part of its strategic partnership with Creative Confidence. NBK is dedicated towards supporting talented young graduates and empowering Kuwaitis”

 “TAMAKAN” is one of these initiatives that help invest and support young youths. NBK is looking forward to the outcome of the program and to seeing the participants moving into key leadership roles in their near future,” she added.

“NBK believes that investing in human resources is investing in our future. TAMAKAN program goes along with NBK’s initiatives to invest in Kuwaiti youth and support their aspirations,” Al Mattar noted.

In her turn, the Founder and Managing Director of Creative Confidence, Sumayah Mohamad Aljasem expressed her sincere thanks to NBK for sponsoring TAMAKAN. “ we are proud of this strategic sponsorship that results in supporting and investing in the Kuwaiti youths”

Al Jasem added that graduates will gain real, relevant experience and develop their skills without the commitment of a job. They will get exposed to the latest methods and tools that will help them in designing solutions and shaping ideas in any field.

TAMAKAN Program offers recent graduates a unique development opportunity before starting their first job. TAMAKAN is organized by Creative confidence in collaboration with NBK. Creative Confidence is a Kuwaiti based consulting and training company that specializes in creativity, innovation and collaboration training.

Kuwait: STC inks KWD 40 mln financing agreement with NBK


National Bank of Kuwait (NBK) and Kuwait Telecommunications Company (STC) inked a KWD 40 million worth of a long-term financing agreement.

The 10-year financing will go for implementing operating expansionary plans and settling capital expenses.

The agreement signing ceremony was attended by Maziad Al Harbi, Chief Executive Officer at STC, Salah Al Fulaij, Chief Executive Officer at NBK-Kuwait, Mohammed Al-Assaf, Chief Financial Officer at STC, and Ali Fardan, General Manager at NBK-Bahrain.

"I am conveying my thanks to NBK executive members for their endeavours to conclude the agreement, which came as a result of long-term mutual cooperation and confidence," Al Harbi indicated.

"As STC launches the new brand, the financing agreement came within its strategy of sustainable operating growth and in line with our organic expansion policy, as the financing facility will cover STC's operating and capital expenses for future business blueprints," Al Harbi added.

"We will save no efforts to provide our customers with full-fledged and better-than-expected services and offers, and enhance our digitalized products in a way that will benefit shareholders," he noted.

"NBK is the primary option for bankrolling the major transactions and ventures of private companies in Kuwait thanks to its immense balance sheet, proven trackrecord and its well-established position in the banking industry," stated Al Fulaij.

Signing the agreement underscores NBK's strong, long-term ties with STC, Al Fulaij added.

"We seek to boost our presence as a provider of high-profile banking services to the local companies, thanks to our strong ties with our customers, exceptional customer care, wide-scale operations, and our diversified top-notch product base," he noted.


Local market dominance, wide-scale international operations

NBK is Kuwait's largest financial institution with a market dominance in the commercial banking market. NBK has been consistently awarded the highest credit ratings of all banks in the region from Moody’s, Standard & Poor’s, and Fitch Ratings. NBK Group has the largest network of local and international branches, covering four continents around the world and spread across China, Geneva, London, Paris, New York, Singapore, in addition to its regional hubs in Lebanon, Jordan, Egypt, Bahrain, Saudi Arabia, Iraq, Turkey and UAE.

High-Profile Services, Proven Track-record

STC strives to introduce its corporate and retail clients with an array of outstanding products and services that meet their aspirations. It offers a distinguished client experience around the clock in fields of telecommunications, entertainment, digital services and data transfer.

STC lured private sector investments and managed to re-position the telecommunications industry as one of the most vital sectors in the global technology market. It provided the best wireless coverage in Kuwait, in addition to upgrading the local technological infrastructure.

STC has been revamping Kuwait's telecommunications market since 2008, including call tariffs. In 2016, STC became a member of the International Telecommunications Union (ITU). In 2018, the telecom operator became the first operator to offer the 5G services across several locations in Kuwait via the most-advanced network.

Kuwait: NBK Participates in the Sixth Edition of the “Innovation Challenge”


National Bank of Kuwait (NBK) announced that it will be participating in the sixth edition of the Innovation Challenge Program organized by Kuwait Foundation for the Advancement of Sciences (KFAS) in collaboration with the Wharton University of Pennsylvania.

A ceremony was held to welcome the new program participants with the attendance of  Mr. Salah Al-Fulaij, CEO - NBK Kuwait and Mr. Emad Ahmed Al Ablani, General Manager, Group Human Resources at NBK.

The four-months program aims to develop innovative human capabilities in the private sector and foster a culture of creativity and knowledge growth to transform Kuwait's economy into a knowledge-based economy.

The program covers numerous topics and activities including the successful implementation of innovative initiatives, business model innovation, innovative delivery models and innovation tournament workshop. Moreover, participants will visit Silicon Valley companies in San Francisco, USA.

The Innovation Challenge program, launched by KFAS for the first time in 2015, is one of the most prominent executive training programs held annually, bringing together  a small group of selected companies to collaborate with prestigious business schools as they seek to develop new initiatives and projects that foster a culture of innovation within each company. Following the competitive application process, participants spend four months learning and training, as they explore innovative ways to make positive changes and add great value to their customer experiences.
NBK always strives to develop its human capital and enrich their experiences as they are the main pillar for the bank’s excellence and leadership. This is accomplished through constantly providing the world’s best specialized training programs that meet the highest industry international standards in order to encourage professional development and successfully position our workforce to take charge as future leaders.

Kuwait: Kuwait Institute of Banking Studies Honors 20 Employees at NBK


Kuwait Institute of Banking Studies (KIBS) has graduated 20 employees at the National Bank of Kuwait, who took part in the training programs organized by the institute for those working at the banking institutions.

The Professional Certificate Programs for 2018-2019 are accredited by the London Institute of Banking and Finance, one of the world's most prestigious institutions in the field of vocational education related to banking and financial services.

The certification ceremony was held at the Kuwait Foundation for the Advancement of Sciences (KFAS), at the Kuwait Chamber of Commerce and Industry, and under the patronage of His Excellency the Governor of Central Bank of Kuwait, Dr. Mohammed Y. Al-Hashel. The ceremony was also attended by Mr. Isam J. Al-Sager, Group Chief Executive Officer. Director General of the Institute of Banking Studies,  Dr. Yacoub Al-Rifai. Mr. Emad Al-Ablani, General Manager, Human Resources Group and Mr. Mohamed Al-Othman, Head, Consumer Banking Group, Mohammed Al Kharafi, General Manager- Operations Group at NBK.

The certificates which the trainees received included, Certified Bank Branch Manager (CBBM), Strategic Management Performance System Certificate (SMPS), Certified Manager (CM), Certified Bank Branch Operations Manager (CBBOM), and Risk Management Certificate (RMC).

"The bank's strategy encourages the employees to proceed with their studies and continue to develop their skills and knowledge. The bank has set scientific certificates and training courses, which the employees receive, among other criteria required to build career, attain promotion, and receive incentives," stated Emad Al-Ablani, General Manager – Group Human Resources at NBK.

“As a prominent financial institution, NBK is committed to help employees earn professional certificates and continuously improve their professional skills. These certificates are considered among the most internationally-applied learning tools, which help boost the professional capabilities of those working in the banking industry, in line with the global developments in the field," he added.

Kuwait: NBK reports 2019 net profit of KD 401.3 million, increasing 8.2% Y-o-Y


National Bank of Kuwait (“NBK”, the “Bank” or the “Group”), today announced its financial results for the year ended 31 December 2019. The Group delivered strong annual performance with net profit of KD 401.3 million (USD 1.3 billion) compared with KD 370.7 million (USD 1.2 billion) in 2018, increasing by 8.2% year-on-year.

Total assets in 2019 stood at KD 29.3 billion (USD 96.6 billion), increasing by 6.7%, with customer deposits increasing by 10.7% to reach KD 15.9 billion (USD 52.6 billion) and customer loans and advances growing by 6.8% to KD 16.6 billion (USD 54.6 billion). NBK’s Board of Directors has proposed the distribution of a cash dividend of 35 fils per share, representing 56.4% of net profit, in addition to 5% bonus shares.

The proposed dividend is subject to shareholders’ approval at the Annual General Meeting. Earnings per share (EPS) stood at 60 fils, as compared to 55 fils in 2018, and equity attributable to shareholders increased by 8.8% to KD 3.21 billion (USD 10.6 billion).

Nasser Musaed Abdulla Al-Sayer, NBK Group Chairman, commented: “2019 was another strong year as we delivered healthy profitability while maintaining a robust balance sheet – demonstrating the quality and diversity of both our operations and earnings.

The Bank remains firmly committed to New Kuwait 2035 and is taking confident steps towards supporting its delivery. These financial results are driven by the execution of our strategy for growth and innovation, while contributing to the country’s socioeconomic development.

A highlight of the year was the heavy oversubscription of our USD 750 million perpetual tier-1 capital securities issuance, which was well-received by global fixed income investors and reflects solid investor confidence in NBK.”

Net operating income grew by 1.4% to KD 895.5 million (USD 3.0 billion), while non-interest income increased by 7.0% to KD 206.3 million (USD 680.7 million). Our international operations continued to play an important role in mitigating Group-level risk and diversifying income from across geographies. The total bottom line contribution of international operations accounted for 28% of the Group’s net profit in 2019.

Isam J. Al-Sager, NBK’s Group Chief Executive Officer, said: “Despite operating conditions remaining below expectations, with a volatile oil prices environment, NBK recorded another set of strong results, as the breadth of its operations and the scale of its international footprint mitigated risks and ensured consistent profitability.

Non-oil GDP growth in Kuwait is projected to reach 2.5% in 2020, and the pipeline of scheduled project awards is healthy. There is a broad expectation that the year will bring positive operating conditions, as the government continues to stimulate economic activity and the appetite for credit improves.

 NBK is deeply committed to its digitalization strategy, in an effort to develop an established foothold in its regional markets. In 2019 we were proud to launch our in-house Digital Factory, which is playing a vital role in driving the progress of our digital roadmap. This will soon become a unique competitive advantage in the region.”

NBK’s asset quality metrics remained strong with the ratio of non-performing loans to gross loans at 1.10%, compared with 1.38% in 2018, and an NPL coverage ratio of 272.2%, compared with 228.1% in 2018. The Bank maintained healthy levels of capitalization, with a capital adequacy ratio of 17.8% at year-end, compared with 17.2% in 2018. This level of capitalization is aligned with the Group’s risk appetite and in excess of the Central Bank of Kuwait’s requirements.

Al-Sager concluded: “NBK’s strategy for 2020 will not deviate from its current trajectory. The Group will continue to increase the diversity of its income across geographies and segments, with the primary objective of achieving superior returns and offering exceptional service to customers.”

In 2019, NBK was recognized by Global Finance and The Banker as the Best Bank in Kuwait, as well as ranking in the World’s 50 Safest Banks list by Global Finance for the 14th consecutive time. The awards are evidence of NBK’s strong financial position, market leadership and of its ability to meet the ever-changing needs of its customers.

Kuwait: NBK Academy Welcomes the 23rd Batch of Fresh Graduates


National Bank of Kuwait (NBK) recently welcomed to its annual “NBK Academy” program the 23rd batch and the first in 2020 of fresh Kuwaiti graduates who have successfully met the acceptance criteria specifically designed for this intensive program.

The NBK Academy Program, launched 12 years ago, has been supporting NBK’s strategy to employ, train and develop the professional skills of newly graduated Kuwaiti talents, in addition to attracting them to work in the financial services industry.
The fresh group of trainees was welcomed by Mr. Emad Al-Ablani, Head, Group Human Resources and Mr. Mohamed Al-Othman, Head, Consumer Banking Group, in addition to several officials from talent management and training and development divisions.

The program that will be delivered to 20 participants, extends over a period of 4 months and covers various aspects of banking operations including: banking principles, risk management, financial accounting, marketing, negotiation, consumer and commercial lending.

It is worth noting that the program’s content is subject to constant revision and update in order to keep pace with the latest research and studies in the global banking sector. New and innovative elements were recently added to the program, including design thinking and banking simulation as well as creativity and innovation in the banking environment.

NBK Academy reflects NBK’s vision to support sustainable human capital development as one of its top strategic priorities and a shared responsibility between the various governmental institutions and the private sector.

NBK Academy was inaugurated in 2008 with the aim to pave the way for newly Kuwaiti graduates to join the banking sector. The Academy provides graduates with the best training programs developed in cooperation with leading international institutions and universities to meet the demands of the labor market.  

Kuwait: NBK and LOYAC arrange a cultural trip to Cambodia


National Bank of Kuwait (NBK) and LOYAC concluded their cultural trip to Cambodia. The trip goes with NBK’s support to LOYAC’s annual activities and events including the trips.

 A group of volunteers from different backgrounds ages between 14 and 18 participated in this trip which was designed to build the leadership skills in their personality. This 8 days trip included a group of social initiatives, interacting with different cultures, volunteering and donating. During this trip, Participants were introduced to the Cambodians’ different cultures and learn their daily life routine.

This support reflects NBK’s commitment to its Corporate Social Responsibility as well as the vital role it plays in supporting students, youths and self-building initiatives in Kuwait.

“Cambodia is truly an inspiring cross-cultural learning experience that added profound value to the young people involved”, said Asmaa Bin Hussain, NBK Public Relations Officer. “This is the first-time we go with Loyacers to Cambodia. We were happy to join Loyacers in lots of inspiring cultural trips around Asia and Africa.  In Cambodia , we visited Phnom Penh, Kampong Cham and Siem Reap. We hung out with the youth, contributed to the community and explored the treasures of its cities”.

  “NBK always strives to empower Kuwaiti youth to realize their potentials, build their personalities and motivates their ambition. This trip with LOYAC comes in line with our strategy to invest in youth and develop their capabilities,” Bin Hussain added.

Throughout the program, Loyacers and Cambodian youth were engaged in stimulating discussions about various aspects of each society to gain a deeper understanding of what makes our cultures unique and beautiful.  In addition, the trip included historic tours and urban adventures exploring the bazaars, and landmark.

LOYAC is a nonprofit organization that runs several programs for the youth to develop their professional skills, enhance their personal growth and help them find their sense of purpose by extending themselves to others.

Kuwait: NBK Reveals Winner of the KD 250,000 Prize in Al Jawhara’s Quarterly Draw


National Bank of Kuwait announced the winner of the KD 250,000 prize in Al Jawhara Account’s Quarterly draw for the month of December 2019. The winner, Amnah Abdullateef Mohammad Abduljader, was announced live on FM 88.8 Kuwait Pulse, in the presence of a representative from the Ministry of Commerce and Industry as well as representatives from NBK. Al Jawhara monthly and quarterly draws are supervised and audited by Deloitte.

Al Jawhara Account customers are automatically entered in Al Jawhara’s weekly, monthly and quarterly draws, giving them the chance to win KD 5,000 weekly, KD125,000 monthly and the grand prize of KD 250,000 quarterly. Every KD 50 deposited in the Al Jawhara Account gives customers one entry into the draw. The minimum opening amount for the account is KD 400 while the maximum amount that can be held is KD 500,000. Customers’ chances of entering the draws double for every KD 50 when no debits are done for a given period of time.

“We seek to reward our customers, especially Al Jawhara Account clients, with a diversified package of prizes throughout the year, in line with their interests. We also provide them with the safest and the most innovative banking services,” stated Bader AlJanah, Consumer Banking Group at National Bank of Kuwait, while commenting on the quarterly draw.

“We are committed to develop the money-saving culture among the different categories of the retail clients, which will reflect positively on our products and services. Al Jawhara Account is one of the key tools that boost the money-saving culture,” AlJanah added.

In addition to the draws, Al Jawhara Account gives customers access to many features and benefits which include a free NBK Visa Debit Card that can be used anywhere around the word,

Since 2012, NBK has rewarded loyal customers with prizes worth a total of up to KD 2,200,000 annually through its weekly, monthly and quarterly Al Jawhara draws.

In addition to its attractive and most innovative and safe products and services, NBK is committed to providing customers with ongoing offers and rewards in line with the needs and lifestyles of its customers.