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KUWAIT BANKING REPORT 2019 Evolving Landscape H KUWAIT BANKING REPORT 2019 Evolving Landscape H. H. SHEIKH SABAH AL-AHMAD H. H. SHEIKH NAWAF AL-AHMAD AL-JABER AL-SABAH AL-JABER AL-SABAH The Amir Of The State Of Kuwait The Crown Prince Of The State Of Kuwait CONTENTS 4 Foreword KUWAIT FUTURE OF BANKING OVERVIEW IN KUWAIT 6 Executive Summary 8 Economic Overview 32 CBK Transformation Strategy 13 Government Initiatives 35 Regulatory Sandbox 15 Economic Outlook CEO INSIGHTS 41 CBK Initiatives 19 Financial System Overview 16 Economic Outlook for Kuwait and the BANKING CAPACITY BUILDING Region LANDSCAPE FOR THE FUTURE 26 Opportunities and Challenges for the 20 Sector Overview 42 Capacity building by CBK Banking Sector and Kuwaiti Financial 25 Sector Performance Institutions 37 The Future of Banking 29 Other Insights 47 Initiatives by Academic Institutions 44 Capacity Building Initiatives 49 Other Strategic Initiatives in Capacity Building 4 | Kuwait Banking Report 2019 FOREWORD Dr. Mohammad Y. I am proud to say that we at the CBK are leading a Al-Hashel number of key initiatives that will help the bank- Governor ing industry navigate through this transformative Central Bank of journey. CBK is playing a critical role in the develop- Kuwait ment of the Fintech ecosystem. As a regulator, we are responsible for achieving a sustainable balance between enabling innovation and ensuring the sta- bility of the financial system, for the benefit of the broader economy and society. Taking a proactive and dynamic approach, we have established a clear vision and strategy towards embracing technology for the greater benefit of society. The Central Bank of Kuwait (CBK) presents the Ku- wait Banking Report “Evolving Landscape", demon- We realize that modern and efficient regulations strating our continued commitment to support the form a key block for a safe, state-of-the-art, Fin- growth and development of Kuwait’s banking indus- tech ecosystem. CBK has recently established the try. This report provides an overview of the banking Regulatory Sandbox to further support Fintech landscape in Kuwait, in addition to analysis, insights startups and entrepreneurs. The regulatory sand- and interviews with local banks. box offers Fintechs a safe space to experiment in innovative products and services, thus ensuring Kuwait’s economy has continued to demonstrate the safety and soundness of the financial sector resilience, notwithstanding a challenging economic while encouraging innovation. environment. With careful planning and investment in key sectors, we are working to create a prosperous One of our major initiatives is the Kuwait National and sustainable future for our citizens. To this end, Payment System (KNPS), which we are working with the Kuwaiti government has embarked on the ‘New local banks and payment gateway to roll out in two Kuwait Vision 2035’, setting out long-term devel- phases in 2020 and 2021. The strategic mega-proj- opment priorities to establish Kuwait as a regional ect encompasses several initiatives designed to es- financial, commercial and cultural hub by 2035. tablish the necessary infrastructure to address the future needs of our financial system and enhance The financial sector, and banking in particular, in its stability and efficiency. These initiatives include Kuwait will play a pivotal role in building a diversified the Government Electronic Banking System, E-KYC economy, supporting economic initiatives targeting framework, Wages Protection System, and Auto- the development of the private sector and SMEs. The mated Clearing House. CBK, being the lead regulator of Kuwait’s bank-cen- tric financial system, devotes considerable resources I hope the information and analyses in this report will and attention to ensuring a sound and stable finan- guide you through the banking landscape in Kuwait. cial system in the country. As a result, our banking In the coming years, you will continue to see contri- system has maintained healthy asset growth and butions from Kuwait as a key international player robust liquidity and capital adequacy levels, despite in supporting the growth and development of the the rise in global economic uncertainty and volatility global banking industry. in financial markets. We pray to Allah the Almighty to grant success in our But we are not immune to the economic, technologi- efforts and endeavors and to enable us to height- cal and social challenges that are impacting the glob- en the welfare of our beloved country, under the al banking sector. Today, we find ourselves at a major patronage of His Highness the Amir, Sheikh Sabah inflection point, facing several internal and external Al-Ahmad Al-Jaber Al-Sabah; His Highness the Crown challenges that require us to evolve and adapt. The Prince, Sheikh Nawaf Al-Ahmad Al-Jaber Al-Sabah; banking industry must reinvent itself for the future, and His Highness the Prime Minister, Sheikh Jaber Al- and all stakeholders need to take a proactive role in Mubarak Al-Hamad Al-Sabah, may Allah bestow on shaping the way banks operate going forwards. them good health and continuous success. Evolving Landscape | 5 EXECUTIVE SUMMARY Economy on the rebound Kuwait’s economy has regained momentum in the demand for project finance. Similarly, collaboration last couple of years as oil prices partially recovered. with the National Fund for SME Development Maintaining a stable outlook, economic growth is ex- (the “SME Fund”) is increasing SME access to pected to reach 2.9% by 2020, up from 1.7% in 2018. bank financing and encouraging banks to provide a more comprehensive and tailored suite of ser- The inclusion of Kuwait in the J.P. Morgan Emerging vices to this segment. Market Bond Index (EMBI), and the upgrade of Kuwait Boursa to emerging market status on three CBK shaping banking’s future global equity indices, which will attract further FinTech has fast become the biggest driver of change foreign direct investment (FDI) and strengthen in Kuwait’s banking sector, helped by CBK’s new trans- international demand for further issuances over formation strategy centred on promoting innovation the next five years. and boosting efficiency across the financial sector. In addition, CBK has ensured the supervision and moni- The infrastructure programme is one part of the toring of electronic payments through the Electronic New Kuwait Vision 2035 underway, which seeks to Payment and Settlement System Supervision Unit. diversify the economy and to boost private sector participation. As a result, non-oil revenue is projected Other key initiatives of CBK’s transformation agenda to grow by an annual 4% by 2021. include the newly established Regulatory Sandbox, allowing innovative financial technologies to be Banking sector remains resilient developed with a lighter regulatory touch. The Total assets of Kuwait’s banking sector amounted Kuwait National Payments System (KNPS) is another to $221 billion in 2018. Local banks have shown initiative aimed at streamlining and increasing the remarkable resilience since oil prices collapsed in efficiency of both bank and government payments. 2014, with banking assets growing by a CAGR of 4.7% between 2014 and 2018. To support and safeguard these initiatives, CBK has focused on the continued development of its regu- Banking in Kuwait is dominated by retail business, latory frameworks, mainly concerning Cyber Security with personal loans/financing comprising 40% of and electronic payments. CBK has also extended its total facilities — the largest share by sector. Further efforts in the Cyber Security space by collaborating growth is expected in the oil and gas segment in on a regional level in developing information sharing coming years as these companies turn to bank platforms. CBK is also currently preparing an E-KYC financing with subdued oil prices and increased framework that will make it easier and faster for expenditure on mega projects in the horizon. individuals to open bank accounts online. Opportunities from privatisation and On another front, CBK is also shaping the future of SME development the banking sector through equipping its own work- Sizeable government capital earmarked for privati- force with the necessary skill sets to supervise the sation and SME development initiatives will present changing banking landscape. It has also collaborated new expansion opportunities for local banks. Efforts with recognised multilateral bodies and academic to promote the use of public-private partnership institutions to develop the skills and knowledge of (PPP) models for infrastructure projects will spur the broader banking workforce in Kuwait. 6 | Kuwait Banking Report 2019 ECONOMY ON THE REBOUND 1.7% GOVERNMENT INVESTED GDP GROWTH IN 2018 $60 Billion TO DATE Oil sector Estimated further investment 55% contribution to GDP $100 Billion until 2035 One of the LOWEST BOND SPREADS % among GCC sovereigns 15 KDIPA overseen over OF GDP IN 2018 Joined PUBLIC DEBT J.P. MORGAN EMERGING $2 Billion MARKET BOND INDE in 2019 FDI inflows since 2013 $77.8 Billion SET UP WITH $6.6 Billion GOVERNMENT NATIONAL to 22 PPP projects in 2019/20 capital in 2013 EARMARKED SME FUND SOLID BANKING SECTOR TOTAL BANKING ASSETS 23 Banking institutions $221 Billion GROWTH OPPORTUNITIES IN 11 CAGR 2014-2018 4.7% 2018 2018 Local Banks $152 $130 Billion Billion Total banking deposits Total banking credit PROJECT SME FINANCE BANKING Private Personal Credit for PPPs 80% 40% SERVICES Sector 2018 Facilities 2018 KUWAIT BANKING ON THE TRANSFORMATION PATH CBK TRANSFORMATION FINTECH DEVELOPMENT CAPACITY BUILDING STRATEGY Digitalisation Regulatory Sandbox Developing banking to automate and promoting innovation in a workforce through re-engineer processes controlled environment partnerships with academic Kuwait National E-KYC framework institutions Payments System easy and efficient electronic & industry more efficient payment account opening associations infrastructure KUWAIT OVERVIEW Economic Overview Economic growth regaining momentum, growth through the implementation of its New gradually diversifying Kuwait Vision 2035. Kuwait returned to growth in 2018, with real GDP up 1.7% following a 3.5% decline in 2017, when oil More sovereign debt issuance to come, prices were kept low by a glut in supply.
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