CBK
Commercial Bank of Kuwait (Al-Tijari) is a Kuwaiti-regulated full-service commercial bank serving retail, high-net-worth, and corporate clients across all six Kuwait governorates with deposits, credit cards, loans, treasury, trade finance, brokerage, and digital banking channels.
- Company typePrivate
- Founded1960
- HeadquartersSafat, Kuwait
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
What CBK does
Commercial Bank of Kuwait (CBK), operating under the brand name Al-Tijari, is a Kuwaiti-incorporated, Central Bank of Kuwait-regulated full-service commercial bank described as one of the largest financial institutions in Kuwait. The bank operates across three core business lines: Personal Banking (retail accounts, multi-tier credit cards, auto and housing loans, digital and merchant services), Premier Banking (premium relationship management, concierge, exclusive card tiers, family banking packages), and Corporate Banking (Treasury & Investment, Trade Finance, International Credit, Al-Tijari CashLink cash management, and Corporate Online Banking). CBK also operates Al-Tijari Financial Brokerage, a securities brokerage arm extending the franchise into capital markets.
The technology stack is built on a conventional core-banking infrastructure delivered through multiple channels: full-service branches across all six Kuwait governorates (Ahmadi, Al Asimah, Farwaniya, Hawalli, Jahra, Mubarak Al Kabeer), an ATM/CDM network, telephone banking (1888225), internet banking (cbk-online.com), and the CBK Mobile App on iOS and Android. Security and authentication layer integrates voice, face, and fingerprint biometrics, PACI Kuwait Mobile ID for government identity verification, and Cinet for credit scoring. Customer-facing AI is limited to the AlTijariBot chatbot.
CBK makes money through a multi-stream revenue model: net interest income on loans and credit facilities (12% APR on credit cards, including a 0.50% monthly service charge and 1% monthly interest rate), deposit taking across KWD and multiple foreign currencies, fee-based credit card economics (issuance fees of 50–100 KD, annual renewal fees of 50–100 KD, 5% cash advance fee, 2.5% FX commission, 1% over-limit and late payment charges), corporate treasury and trade finance spreads, and brokerage commissions through Al-Tijari Financial Brokerage. Distribution relies on direct-to-consumer channels for retail and dedicated relationship managers for Premier and Corporate clients, with comply-with frameworks including AML, FATCA, CRS, and GDPR-aligned data protection.
CBK firmographics
Firmographics- Name
- CBK
- Legal name
- Commercial Bank of Kuwait
- Website
- https://cbk.com
- Company type
- Private
- Founded year
- 1960
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Commercial Bank of Kuwait (Al-Tijari) is a Kuwaiti-regulated full-service commercial bank serving retail, high-net-worth, and corporate clients across all six Kuwait governorates with deposits, credit cards, loans, treasury, trade finance, brokerage, and digital banking channels.
- Ownership category
- akta.pro rank
CBK industry classification
Industry- Product category
- Commercial Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221), Credit Card Issuing (52221)
- SIC
- National Commercial Banks (6021)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
Keywords
Where CBK is headquartered
LocationHeadquarters
- HQ city
- Safat
- HQ country
- Kuwait
- HQ region
- Middle East
Offices1 record
Markets served
CBK business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income: Revenue from interest earned on loans and credit facilities including housing loans, auto loans, personal loans, and credit card lending. Interest rates include 12% APR on credit cards (including 0.50% monthly service charge) and competitive rates on deposits.
- Account Fees and Commissions: Various fees and commissions charged for banking services including account maintenance, transaction fees, and service charges. List of Fees and Commissions available as Bank Tariff.
- Credit Card Fees: Revenue from credit card operations including issuance fees (50-100 KD depending on card type), annual renewal fees (50-100 KD), cash advance fees (5% flat, minimum 2 KD), over-limit charges (1% or minimum 2 KD), late payment charges (1% or minimum 2 KD), and foreign exchange commission (2.5%).
- Deposit Taking: Accepts customer deposits including savings accounts, current accounts, term deposits, and salary accounts. Offers competitive deposit rates based on amount and tenure.
- Premier Banking Services: Premium banking services for high-net-worth individuals including exclusive benefits, promotions, family banking packages, and dedicated services.
- Corporate Banking Services: Services for corporate clients including treasury, trade finance, international credit, cash management, and corporate online banking.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Credit Card APR: 12.00% yearly (1.00% monthly) |
| Subscription | Annual | World Mastercard: 1000 KD min credit limit, 100 KD issuance, 100 KD annual |
| Subscription | Annual | Platinum Mastercard: 300 KD min credit limit, 100 KD issuance, 70 KD annual |
| Subscription | Annual | Titanium Mastercard: 200 KD min credit limit, 50 KD issuance, 50 KD annual |
| Subscription | Annual | Visa Platinum: 300 KD min credit limit, 100 KD issuance, 70 KD annual |
| Subscription | Annual | Visa Signature: 750 KD min credit limit, 100 KD issuance, 80 KD annual |
| Subscription | Annual | Visa Infinite: 1000 KD min credit limit, 100 KD issuance, 100 KD annual |
| Transaction based/ take rate | Pay-as-you-go | Cash Advance: 5% flat fee (minimum 2 KD) |
| Transaction based/ take rate | Pay-as-you-go | Over-limit charge: 1% or minimum 2 KD |
| Transaction based/ take rate | Pay-as-you-go | Late payment charge: 1% or minimum 2 KD |
| Transaction based/ take rate | Pay-as-you-go | Foreign exchange commission: 2.5% |
| Subscription | Monthly | Minimum payment: 8.3% of outstanding balance plus interest |
| Subscription | Pay-as-you-go | Deposit rates vary by amount and tenure |
Go-to-market motion2 records
Distribution channels7 records
Marketing channels9 records
CBK product offering
Product offeringCore offering
CBK (Commercial Bank of Kuwait, Al-Tijari) is a full-service commercial bank operating in Kuwait, providing retail, premier, and corporate banking products and services. Its offerings include current and savings accounts, credit cards, personal and corporate loans, trade finance, treasury services, and digital banking through branches, ATMs, online, and mobile channels.
Product overview
CBK (Commercial Bank of Kuwait / Al-Tijari) operates as a full-service financial institution offering a comprehensive digital banking ecosystem. The product portfolio spans personal banking with multiple account types (YOU, Tijari Junior, Al Najma with prize draws, Salary Accounts, Term Deposits), an extensive credit card suite (Visa Signature, Al-Tijari Rewards loyalty program, Al-Tijari Concierge services, Multicurrency Prepaid Cards), retail lending (Auto Loans, Housing Loans), and corporate banking services including Corporate Online Banking, Treasury & Investment, Trade Finance, and International Credit. Digital channels include Online Banking, CBK Mobile App (iOS/Android), and specialized digital tools like Rewards Calculator and Cards Interest Calculator. Premier Banking provides premium services for high-net-worth clients, while Merchant Services supports business payment processing. The bank also offers Safe Deposit Boxes and operates Al-Tijari Financial Brokerage for securities investment.
Differentiator
Problem solved
Functional benefit
Brands
- YOU Package: Personal banking account package
- Tijari Junior
- Al-Najma Account
- Al-Tijari Rewards
- Maskan Package
- Premier Banking
- CBK Mobile App
- Corporate Online Banking
- Al-Tijari CashLink Service
Products and services
- Personal Banking Accounts
- Premier Banking Services
- Corporate Banking Services
- Credit Cards
- Trade Finance
- Treasury Services
Quantifiable outcome
- Net profit of KD 62.3 million for H1 2026
- +1 more outcomes
Companies that use CBK
Customer profileSegments3 records
Ideal customer profiles3 records
CBK technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
Feature6 records
CBK partnerships and signals
Strategic signalScale indicators4 records
Recent moves6 records
Expansion highlights6 records
CBK competitors and assessment
Company assessmentDirect peers
- Gulf Bank: Kuwaiti commercial bank offering personal, premier, and corporate banking with comparable credit card, loan, and digital banking products to CBK. Operates in the same Kuwaiti market with overlapping retail and corporate customer base.
- Al Ahli Bank of Kuwait (ABK): Kuwaiti commercial bank with retail, premier, and corporate banking divisions. Directly comparable to CBK across deposits, credit cards, loans, and digital channels within the same domestic market.
- Boubyan Bank: Islamic bank in Kuwait with rapidly growing retail and corporate franchise and strong digital offering. Competes with CBK for the same Kuwaiti retail and corporate wallet, particularly in Shariah-compliant deposits and financing.
- National Bank of Kuwait (NBK): Largest commercial bank in Kuwait offering retail, premier, and corporate banking, treasury, and trade finance. Directly comparable to CBK on product breadth, customer segments, and Kuwaiti distribution, but materially larger in scale.
- Burgan Bank: Kuwaiti commercial bank with conventional retail and corporate banking services, regional presence, and similar deposit/lending franchise to CBK. A direct comparable in customer segments and product mix.
- Kuwait International Bank (KIB): Kuwaiti bank offering retail, corporate, and treasury services with growing digital capabilities. Comparable to CBK in operating geography, customer segments, and core banking product suite.
- Warba Bank: Islamic commercial bank operating in Kuwait with retail, corporate, and investment banking services. Directly comparable to CBK on Kuwaiti distribution, customer segments, and product breadth.
Broad incumbents
- Kuwait Finance House (KFH): Largest Islamic bank in Kuwait and a regional incumbent with retail, corporate, and treasury services. Competes head-to-head with CBK for Kuwaiti deposits and corporate mandates, with broader regional footprint.
Regional players
- Emirates NBD: UAE-headquartered regional bank with retail, corporate, treasury, and brokerage services comparable to CBK's franchise. Not a direct Kuwait competitor, but a relevant regional benchmark for diversified GCC banking.
- Qatar National Bank (QNB): Largest bank in the MENA region with comparable retail, corporate, and treasury offerings to CBK. Not a direct Kuwait competitor, but a relevant regional comparable for scale, product breadth, and GCC banking economics.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
CBK social profiles
Digital presenceCBK compliance and trust
Trust signalCompliance4 records
CBK financial estimates
Financial estimateRevenue estimate
Valuation estimate
CBK leadership team
Management profileNumber of profiles
CBK funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CBK M&A and investment
M&A and investmentM&A
Investments3 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CBK
What does CBK do?
CBK (Commercial Bank of Kuwait, Al-Tijari) is a full-service commercial bank operating in Kuwait, providing retail, premier, and corporate banking products and services. Its offerings include current and savings accounts, credit cards, personal and corporate loans, trade finance, treasury services, and digital banking through branches, ATMs, online, and mobile channels.
Is CBK a public or private company?
CBK is a private company. It is classified as unknown and is currently operating.
When was CBK founded?
CBK was founded in 1960. It employs 1,001 to 5,000 people.
Where is CBK based?
CBK is headquartered in Safat, Kuwait, in the Middle East region.
How does CBK make money?
Six revenue lines are on record. Interest Income is the primary driver. The others are account Fees and Commissions, credit Card Fees, deposit Taking, premier Banking Services and corporate Banking Services.
Who are CBK's main competitors?
Direct peers on record are Gulf Bank, Al Ahli Bank of Kuwait (ABK), Boubyan Bank, National Bank of Kuwait (NBK), Burgan Bank, Kuwait International Bank (KIB) and Warba Bank. Kuwait Finance House (KFH) is listed as a broad incumbent. Regional players are Emirates NBD and Qatar National Bank (QNB).
Does CBK have an API?
No public API is recorded for CBK.
What industry is CBK in?
CBK's product category is Commercial Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 52211 and its SIC code is 6021.