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Our Purpose

Contributing to people, businesses, and society by empowering them to achieve their ambitions.

Our Purpose

Our Purpose

Our Vision

Our Vision

Our Vision

Creating unique value in banking and beyond to unlock opportunities for people and businesses.

Our Mission

We deliver the best experience for our customers beyond the boundaries of banking, preserving our uniqueness and nurturing top talents while creating sustainable value for our shareholders and society.

Our Mission

Our Mission

Our Values

Trust

Trust

We focus on our customers to gain their trust and serve their needs in the best possible way.

Innovation

Innovation

We continue to innovate in order to always improve the experience of our customers.

Performance

Performance

We aim to excel at execution and are confident to overcome any challenges.

Collaboration

Collaboration

We work with our clients and team members to deliver the right solution.

Ambition

Ambition

We have the drive and enthusiasm to continuously surpass.

Our Heritage

Warba Bank was established on February 17, 2010, by Amiri Decree to enhance Kuwait's economy post-crisis. It joined the Islamic Banks Register at the Central Bank of Kuwait on April 7, 2010.   

In a short time, Warba Bank earned the trust of Kuwaitis and positioned itself as a leader in Islamic Digital Retail Solutions.

Our Team

Dedicated to your Success and financial well-being

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Mr. Hamad M. AlSayer

Chairman

Mr. Bader K. AlShalfan

Vice Chairman

Mr. Mohammad H. AlShalfan

Non-Executive Board Member

Mr. Mubarak N. AlSayer

Non-Executive Board Member

Mr. Khaldoun S. AlTabtabaie

Independent Board Member

Mr. Mohammad A. AlBahar

Independent Board Member

Mr. Mohammad A. AlRuwayeh

Independent Board Member

Mrs. May M. AlMudhaf

Independent Board Member

Mrs. Basma H. AlSanea

Non-Executive Board Member

Mr. Abdullah Y. AlShaijie

Board Member

Mr. Mishari F. AlMusallam

Board Member

Mr. Shaheen H. Al-Ghanem

CEO

Mr. Anwar Bader Al Ghaith

Deputy CEO of Digital Transformation & Operations

Mr. Thuwaini AlThuwaini

Chief Investment Banking Officer

Mr. Faisal A. Al Nassar

Chief Corporate Banking Officer

Ms. Maali A. AlRasheed

Chief Human Resources & General Services Officer

Mr. Mohamed Sabry Eissa

Chief Financial Officer

Mr. Abdullah Mahmoud Allanqawi

Chief Treasury Officer

Ms. Layali Mostafa Al Fahad

Chief Operations Officer

Mr. Hamad F. Al Fouzan

Chief Strategic Planning Officer

Mr. Ahmad Faisal Al Qatami

Chief Retail Banking Officer

Mr. Naser Maher Al Mutawaa

Chief Digital Officer

Dr. Mohamed Barakat

Chief Marketing & Corporate Communication Officer

Ms. Najat Mohammad Saleh

Chief Risk Officer

Mr. Mohammed Bader AlGhanim

Chief Technology Officer

Mr. Soud Alrashed

Chief Compliance Officer

Mr. Mohammad Musaed Mandani

Chief Legal Officer

Ms.Hanan Hamadah

Acting Chief Internal Auditor

Dr. Essam K. Al Anazi

Chairman

Dr. Mohammad Al-Fuzai

Member

Dr. Ali Ibrahim Al Rashed

Member

All Reports

Find and download all reports

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2026

Capital Adequacy and Leverage Standard Disclosure – Q1 2026

2025

Capital Adequacy and Leverage Standard Disclosure – Q1 2025

Capital Adequacy and Leverage Standard Disclosure – Q2 2025

Capital Adequacy and Leverage Standard Disclosure – Q3 2025

Capital Adequacy and Leverage Standard Disclosure – Q4 2025

2024

Capital Adequacy and Leverage Standard Disclosure – Q1 2024

Capital Adequacy and Leverage Standard Disclosure – Q2 2024

Capital Adequacy and Leverage Standard Disclosure – Q3 2024

Capital Adequacy and Leverage Standard Disclosure – Q4 2024

2023

Capital Adequacy and Leverage Standard Disclosure – Q1 2023

Capital Adequacy and Leverage Standard Disclosure – Q2 2023

Capital Adequacy and Leverage Standard Disclosure – Q3 2023

Capital Adequacy and Leverage Standard Disclosure – Q4 2023

2022

Capital Adequacy and Leverage Standard Disclosure – Q1 2022

Capital Adequacy and Leverage Standard Disclosure – Q2 2022

Capital Adequacy and Leverage Standard Disclosure – Q3 2022

Capital Adequacy Standard Disclosure – Q4 2022

2021

Capital Adequacy Standard Disclosure – Q1 2021

Capital Adequacy and Leverage Standard Disclosure – Q2 2021

Capital Adequacy and Leverage Standard Disclosure – Q3 2021

Capital Adequacy and Leverage Standard Disclosure – Q4 2021

2020

Capital Adequacy Standard Disclosure – Q1 2020

Capital Adequacy Standard Disclosure – Q2 2020

Capital Adequacy Standard Disclosure – Q3 2020

Capital Adequacy Standard Disclosure – Q4 2020

2019

Capital Adequacy Standard Disclosure – Q1 2019

Capital Adequacy Standard Disclosure – Q2 2019

Capital Adequacy Standard Disclosure – Q3 2019

Capital Adequacy Standard Disclosure – Q4 2019

2018

Capital Adequacy Standard Disclosure – Q1 2018

Leverage Standard Disclosure – Q1 2018

Leverage Standard Disclosure – Q2 2018

Capital Adequacy Standard Disclosure – Q2 2018

Capital Adequacy Standard Disclosure – Q3 2018

Capital Adequacy Standard Disclosure – Q4 2018

2017

Leverage Standard Disclosure – Q1 2017

Capital Adequacy Standard Disclosure – Q1 2017

Capital Adequacy Standard Disclosure – Q2 2017

Leverage Standard Disclosure – Q2 2017

Leverage Standard Disclosure – Q3 2017

Leverage Standard Disclosure – Q4 2017

Capital Adequacy Standard Disclosure – Q4 2017

2016

Leverage Standard Disclosure – Q1 2016

Capital Adequacy Standard Disclosure – Q1 2016

Capital Adequacy Standard Disclosure – Q2 2016

Leverage Standard Disclosure – Q2 2016

Leverage Standard Disclosure – Q3 2016

Capital Adequacy Standard Disclosure – Q3 2016

Capital Adequacy Standard Disclosure – Q4 2016

Leverage Standard Disclosure – Q4 2016

2015

Capital Adequacy Standard Disclosure – Q1 2015

Leverage Standard Disclosure – Q1 2015

Capital Adequacy Standard Disclosure – Q2 2015

Leverage Standard Disclosure – Q2 2015

Leverage Standard Disclosure – Q3 2015

Capital Adequacy Standard Disclosure – Q3 2015

Capital Adequacy Standard Disclosure – Q4 2015

Leverage Standard Disclosure – Q4 2015

2014

Leverage Standard Disclosure – Q4 2014

Capital Adequacy Standard Disclosure – Q4 2014

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

2025

Annual Reports 2025

2024

Annual Reports 2024

2023

Annual Report 2023

2022

Annual Report 2022

2021

Annual Report 2021

2020

Annual Report 2020

2019

Annual Report 2019

2018

Annual Report 2018

2017

Annual Report 2017

2016

Annual Report 2016

2015

Annual Report 2015

Report

Corporate Governance Manual

Report

Code of Business Conduct and Ethics Policy

2026

Quantitative on Liquidity coverage ratio as of March 2026

2025

Quantitative on Liquidity coverage ratio as of December 2025

Quantitative on Liquidity coverage ratio as of September 2025

Quantitative on Liquidity coverage ratio as of June 2025

Quantitative on Liquidity coverage ratio as of March 2025

2024

Quantitative information on Liquidity coverage ratio (LCR) as of September 2024

Quantitative information on Liquidity coverage ratio (LCR) as of June 2024

Quantitative information on Liquidity coverage ratio as of December 2024

2023

Quantitative information on Liquidity coverage ratio (LCR) as of June 2023

Quantitative information on Liquidity coverage ratio (LCR) as of 31 March 2023

Quantitative information on Liquidity coverage ratio (LCR) as of September 2023

Quantitative information on Liquidity coverage ratio (LCR) as of December 2023

2022

Quantitative information on Liquidity coverage ratio (LCR) as of December 2022

Quantitative information on Liquidity coverage ratio (LCR) as of September 2022

Quantitative information on Liquidity coverage ratio (LCR) as of June 2022

Quantitative information on Liquidity coverage ratio (LCR) as of March 2022

2021

Quantitative information on Liquidity coverage ratio (LCR) as of December 2021

Quantitative information on Liquidity coverage ratio (LCR) as of September 2021

Quantitative information on Liquidity coverage ratio (LCR) as of June 2021

Quantitative information on Liquidity coverage ratio (LCR) as of March 2021

2020

Quantitative information on Liquidity coverage ratio (LCR) as of March 2020

Quantitative information on Liquidity coverage ratio (LCR) as of December 2020

Quantitative information on Liquidity coverage ratio (LCR) as of September 2020

Quantitative information on Liquidity coverage ratio (LCR) as of June 2020

2019

Quantitative information on Liquidity coverage ratio (LCR) as of December 2019

Quantitative information on Liquidity coverage ratio (LCR) as of September 2019

Quantitative information on Liquidity coverage ratio (LCR) as of June 2019

Quantitative information on Liquidity coverage ratio (LCR) as of March2019

2018

Quantitative information on Liquidity coverage ratio (LCR) as of December 2018

Quantitative information on Liquidity coverage ratio (LCR) as of September 2018

Quantitative information on Liquidity coverage ratio (LCR) as of June 2018

Quantitative information on Liquidity coverage ratio (LCR) as of March 2018

2016

Quantitative information on Liquidity coverage ratio (LCR) as of December 2016

Quantitative information on Liquidity coverage ratio (LCR) as of September 2016

Quantitative information on Liquidity coverage ratio (LCR) as of June 2016

Quantitative information on Liquidity coverage ratio (LCR) as of March 2016

2026

Quantitative information on Net Stable Funding Ratio as of March 2026

2025

Quantitative information on Net Stable Funding Ratio as of December 2025 Q4

Quantitative information on Net Stable Funding Ratio as of September 2025 Q3

Quantitative information on Net Stable Funding Ratio as of June 2025 Q2

Quantitative information on Net Stable Funding Ratio as of March 2025

2024

Quantitative information on Net Stable Funding Ratio as of December 2024

Quantitative information on Net Stable Funding Ratio (NSFR) as of June 2024

Quantitative information on Net Stable Funding Ratio (NSFR) as of September 2024 1

2023

Quantitative information on Net Stable Funding Ratio (NSFR) as of September 2023

Quantitative information on Net Stable Funding Ratio (NSFR) as of June 2023

Quantitative information on Net Stable Funding Ratio (NSFR) as of 31 March 2023

Quantitative information on Net Stable Funding Ratio as of December 2023

2022

Quantitative information on Net Stable Funding Ratio (NSFR) as of December 2022

Quantitative information on Net Stable Funding Ratio (NSFR) as of September 2022

Quantitative information on Net Stable Funding Ratio (NSFR) as of June 2022

Quantitative information on Net Stable Funding Ratio (NSFR) as of March 2022

2021

Quantitative information on Net Stable Funding Ratio (NSFR) as of December 2021

Quantitative information on Net Stable Funding Ratio (NSFR) as of December 2021

Quantitative information on Net Stable Funding Ratio (NSFR) as of September 2021

Quantitative information on Net Stable Funding Ratio (NSFR) as of June 2021

Quantitative information on Net Stable Funding Ratio (NSFR) as of March 2021

2020

Quantitative information on Net Stable Funding Ratio (NSFR) as of March 2020

Quantitative information on Net Stable Funding Ratio (NSFR) as of 31 December 2020

Quantitative information on Net Stable Funding Ratio (NSFR) as of September 2020

Quantitative information on Net Stable Funding Ratio (NSFR) as of June 2020

2019

Quantitative information on Net Stable Funding Ratio as of June 2019

Quantitative information on Net Stable Funding Ratio (NSFR) as of December 2019

Quantitative information on Net Stable Funding Ratio (NSFR) as of September 2019

Quantitative information on Net Stable Funding Ratio (NSFR) as of March 2019

2018

Quantitative information on Net Stable Funding Ratio (NSFR) as of December 2018

Quantitative information on Net Stable Funding Ratio (NSFR) as of September 2018

Quantitative information on Net Stable Funding Ratio (NSFR) as of June 2018

Quantitative information on Net Stable Funding Ratio (NSFR) as of March 2018

2025

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