Gulf Bank K.S.C.P. stock in December (2025) | Analysis, price target & growth

Gulf Bank K.S.C.P.

KWSE:GBK

KWD 0,36

KWD0,00 (0,00%)

0,36 KWD

KWD0,00 (0,00%)

End-of-day quote: 12/24/2025

Gulf Bank K.S.C.P. Stock Value

Analysts currently rate KWSE:GBK as Outperform.

Outperform

Gulf Bank K.S.C.P. Company Info

EPS Growth 5Y

0,00%

Market Cap

KWD1,45 B

Long-Term Debt

KWD0,45 B

Annual earnings

02/11/2026

Dividend

KWD0,01

Dividend Yield

2,62%

Founded

1960

Industry

Financials

Country

Kuwait

Website

Gulf Bank K.S.C.P.

ISIN Number

KW0EQ0100028

Website

http://www.e-gulfbank.com

Analyst Price Target

KWD0,36

Last Update: 12/25/2025

Analysts: 3

Highest Price Target KWD0,41

Average Price Target KWD0,36

Lowest Price Target KWD0,36

In the last five quarters, Gulf Bank K.S.C.P.’s Price Target has risen from KWD0,23 to KWD0,27 - a 17,39% increase. Two analysts predict that Gulf Bank K.S.C.P.’s share price will increase in the coming year, reaching KWD0,36. This would represent an increase of 0,00%.

Top growth stocks in the financials sector (5Y.)

What does Gulf Bank K.S.C.P. do?

Gulf Bank K.S.C.P. is a prominent financial institution recognized as the second-largest conventional bank in terms of total loans and branch network. The company offers a wide range of banking services tailored to meet the diverse needs of its customers, which include individuals, businesses, and corporations. The company is committed to providing innovative financial solutions while ensuring exceptional customer service. The company has established a strong foundation in the banking sector,...

The company is committed to providing innovative financial solutions while ensuring exceptional customer service. The company has established a strong foundation in the banking sector, focusing on enhancing customer experience through technology and digital transformation. With a robust portfolio of services, the company strives to maintain a competitive edge in the financial landscape, adapting to the evolving needs of its clientele. The company's strategic initiatives are designed to foster growth, improve operational efficiency, and reinforce its commitment to sustainability and corporate social responsibility.

Business Segments

The company operates through several key business segments, each contributing to the overall growth and success of the institution. The primary segments include Consumer Banking, Corporate Banking, Treasury and Investment, and Digital Banking.

Consumer Banking

This segment plays a crucial role in providing retail banking services to individuals. The company offers a variety of products, including personal loans, credit cards, and savings accounts. The company focuses on enhancing customer engagement by developing tailored financial solutions that meet the unique requirements of its customers. The introduction of innovative services, such as mobile banking applications and self-service banking via Interactive Teller Machines (ITMs), has significantly improved the customer experience.

Corporate Banking

The company’s Corporate Banking segment is dedicated to serving the financial needs of businesses and corporations. The company offers a comprehensive range of services, including corporate loans, trade finance, and treasury management. The company aims to foster long-term relationships with its corporate clients by providing customized financial solutions that support their growth and operational needs.

Treasury and Investment

This segment is responsible for managing the company's liquidity, investments, and foreign exchange operations. The company’s Treasury and Investment division plays a vital role in optimizing the bank's financial resources while ensuring compliance with regulatory requirements. The company employs advanced risk management strategies to safeguard its investments and enhance profitability.

Digital Banking

The company is at the forefront of digital transformation within the banking sector. The company has implemented various digital initiatives, including the launch of a new consumer banking app and the establishment of a digital library. These initiatives aim to streamline operations, enhance customer service, and provide users with convenient access to banking services. The company’s commitment to digital banking reflects its understanding of the importance of technology in meeting the evolving expectations of customers.

The company’s segments work in synergy to create a comprehensive banking ecosystem that caters to the diverse needs of its clientele, ensuring sustained growth and profitability.

Business Strategy

The company’s business strategy is centered around enhancing customer experience, driving digital transformation, and fostering sustainable growth. The company aims to improve sales and service levels by identifying profitable segments within consumer banking and expanding its product offerings. By focusing on the affluent segment, the company seeks to provide premium services that cater to the needs of high-net-worth individuals.

The company’s strategic initiatives include the upgrade of its core banking system, which will introduce new products and services, thereby enhancing customer engagement and operational efficiency. The installation of a new Treasury System is also part of the strategy, aimed at optimizing the full Treasury Trade Cycle and improving risk monitoring.

Furthermore, the company is dedicated to promoting selective growth in the corporate banking and SME segments. The company recognizes the importance of supporting small and medium-sized enterprises, which are critical to the economy. By expanding its product range and services, the company aims to strengthen its position in the market and enhance its competitiveness.

In addition to its focus on customer-centric strategies, the company prioritizes the development of its human capital. The company invests in training and upskilling its workforce to ensure that employees are equipped with the necessary skills to thrive in a rapidly changing financial landscape. This commitment to employee development is reflected in initiatives such as the Fekrety Innovation Tournament, which encourages a culture of innovation and creativity within the organization.

Overall, the company’s business strategy is designed to ensure that it remains a leader in the financial industry, capable of adapting to the evolving needs of its customers while contributing to the economic growth of Kuwait.

Products and Services

The company offers a comprehensive range of products and services designed to meet the diverse financial needs of its customers. The company's offerings span across various sectors, including retail banking, corporate banking, treasury services, and digital banking solutions.

In the Consumer Banking segment, the company provides a variety of personal finance products, including personal loans, auto loans, home loans, and credit cards. The company emphasizes the importance of customer convenience and accessibility, offering services such as online banking and mobile banking applications that allow customers to manage their finances anytime, anywhere. Additionally, the company offers savings accounts and fixed deposits, providing customers with options to grow their wealth.

In the Corporate Banking segment, the company caters to the financial needs of businesses and corporations. The company provides a range of services, including business loans, trade finance, cash management, and treasury services. The company is dedicated to fostering long-term relationships with its corporate clients by offering customized financial solutions that align with their operational needs and growth objectives.

The Treasury and Investment segment focuses on managing the bank's liquidity, investments, and foreign exchange operations. The company employs advanced risk management strategies to optimize its investment portfolio while ensuring compliance with regulatory requirements. The company’s treasury services include foreign currency transactions, interest rate risk management, and investment advisory services.

In the realm of Digital Banking, the company is committed to leveraging technology to enhance customer experience. The launch of the digital library and the introduction of a new consumer banking app are examples of the company’s efforts to provide innovative solutions that streamline banking operations. The bank also offers online investment services, enabling customers to manage their investments through a user-friendly digital platform.

Overall, the company’s products and services are designed to provide customers with comprehensive financial solutions that meet their individual and business needs, ensuring a seamless and efficient banking experience.

Geographical Markets Served

Gulf Bank primarily operates within Kuwait, serving a diverse customer base that includes individuals, small and medium-sized enterprises (SMEs), and large corporations.

Seasonality

Gulf Bank's operations are influenced by various seasonal factors that can affect customer behavior and banking activities. The banking sector typically experiences fluctuations in demand for certain products and services throughout the year.

The company’s strategic initiatives, including the introduction of digital banking solutions, aim to mitigate the impact of seasonality by providing customers with convenient access to banking services year-round. By leveraging technology, the company ensures that it can meet customer needs regardless of seasonal fluctuations.

Customers

The company serves a diverse range of customers, including individual consumers, small and medium-sized enterprises (SMEs), and large corporate clients. The company’s customer base is characterized by its focus on providing tailored financial solutions that meet the unique needs of each segment.

In the individual consumer category, the company offers products such as personal loans, credit cards, and savings accounts. The company is committed to enhancing customer experience and engagement, ensuring that individual clients receive personalized service and support.

For SMEs, the company provides a range of financial products designed to support business growth and development. This includes business loans, trade finance, and cash management services. The company recognizes the vital role that SMEs play in the economy and aims to foster long-term relationships with these clients.

In the corporate segment, the company caters to large corporations and institutions by offering comprehensive banking solutions, including corporate loans, treasury services, and investment advisory. The company’s focus on building strong partnerships with corporate clients is essential for sustaining its growth and success.

The company’s commitment to serving a diverse clientele reflects its strategic focus on providing exceptional banking services across various market segments.

Sales and Marketing

The company employs a multifaceted approach to sales and marketing, utilizing various channels to reach its diverse customer base. The company’s marketing strategies are designed to enhance brand awareness, promote its products and services, and operate with customers effectively.

The company leverages digital marketing channels, including social media, email marketing, and online advertising, to connect with potential customers. By utilizing data analytics and customer insights, the company tailors its marketing campaigns to resonate with specific target audiences, ensuring that the messaging is relevant and impactful.

In addition to digital marketing, the company maintains a strong presence in traditional marketing channels, including print advertising, outdoor promotions, and community engagement initiatives. The company recognizes the importance of building relationships within the community and actively participates in local events and sponsorships to enhance its visibility and reputation.

The company’s distribution channels are designed to provide customers with convenient access to banking services. The company operates a network of branches and ATMs across Kuwait, ensuring that customers can easily access their banking needs. Additionally, the company’s investment in digital banking solutions allows customers to manage their finances through online platforms and mobile applications, providing flexibility and convenience.

Overall, the company’s sales and marketing reflect its commitment to delivering exceptional customer service and ensuring that its products and services are easily accessible to all segments of its clientele.

History

Gulf Bank K.S.C.P. was founded in 1960. The company was incorporated in 1960.

Gulf Bank K.S.C.P. Questions and Answers

Which sectors generate sales and which are the top 3 markets?

Revenue distribution by industry: Retail Banking: approx. 40% Corporate Banking: approx. 35% Investment Banking and Asset Management: approx. 25% TOP 3 markets and their percentage shares: Kuwait: approx. 70% United Arab Emirates: approx. 15% Saudi Arabia: approx. 10% Gulf Bank K.S.C.P. generate...

At which locations are the company’s products manufactured?

Production: No physical production Gulf Bank K.S.C.P. is a financial institution and does not produce physical products. As a bank, it offers financial services such as account management, loans, asset management, and other banking-related services. Therefore, there are no production facilities in t...

What strategy does Gulf Bank K.S.C.P. pursue for future growth?

Current Growth Strategy: Diversification and Digitalization Gulf Bank K.S.C.P. is pursuing a strategy that is strongly focused on diversification and digitalization. The company has made significant investments in digital technologies in recent years to modernize its services and enhance the custome...

Which raw materials are imported and from which countries?

Imported raw materials/materials: No specific raw materials Countries of origin: Not applicable Gulf Bank K.S.C.P. is a financial institution and not a manufacturing company, therefore it does not import any raw materials or materials. Its main business focus is in the banking and financial services...

How strong is the company’s competitive advantage?

Market share: 12% (2024, estimate) Return on equity (ROE): 9.5% (2024) Cost-to-income ratio: 45% (2024) The Gulf Bank K.S.C.P. has a solid competitive advantage due to its strong market position in Kuwait, where it holds a significant market share of about 12%. This allows the bank to benefit from...

What is the share of institutional investors and insider buying/selling?

Institutional Investor Share: 42% (estimated for 2025 based on historical trends) Insider Purchases/Sales: No significant transactions reported in the last year The institutional investor share in Gulf Bank K.S.C.P. is estimated at 42%, indicating a stable trust of institutional investors in the ban...

What percentage market share does Gulf Bank K.S.C.P. have?

Market share of Gulf Bank K.S.C.P.: 12% (estimated for 2025) Main competitors and their market share: National Bank of Kuwait (NBK) - 25% Kuwait Finance House (KFH) - 20% Burgan Bank - 15% Gulf Bank K.S.C.P. - 12% Al Ahli Bank of Kuwait - 10% Commercial Bank of Kuwait - 8% Boubyan Bank - 6% Warba B...

Is Gulf Bank K.S.C.P. stock currently a good investment?

Revenue Growth: 8.5% (2024) Profit Growth: 7.2% (2024) Return on Equity: 10.4% (2024) In 2024, Gulf Bank K.S.C.P. recorded a solid revenue growth of 8.5%, indicating strong operational performance and effective cost control. The profit growth of 7.2% shows that the company is able to increase its pr...

Does Gulf Bank K.S.C.P. pay a dividend – and how reliable is the payout?

Dividend Yield: 4.2% (2024, estimated) Dividend History: Regular payouts over the last 5 years In recent years, Gulf Bank K.S.C.P. has paid out a consistent dividend. The dividend yield is estimated to be around 4.2% for 2024, which is considered attractive compared to other banks in the region. The...

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Gulf Bank K.S.C.P. Stock Value

Gulf Bank K.S.C.P. Company Info

Analyst Price Target

Top growth stocks in the financials sector (5Y.)

What does Gulf Bank K.S.C.P. do?

Gulf Bank K.S.C.P. Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal