CBK Directory

The Governor's Office is entrusted with the responsibility of facilitating, organizing and coordinating all communications related to the Governor with the internal departments and offices, and the external entities.

Mohammad A. Al-Awadhi

Manager, Office of the Governor

Fatemah H. Esmaiel

Deputy Manager, Office of the Governor

Supervising all affairs related to the Deputy Governor's Office, following-up on the implementation of decisions and recommendations emerging from meetings held by the Deputy Governor, following-up on the organization of data and information, as well as maintaining their confidentiality.

Manager, Office of the Deputy Governor

The Internal Audit office reports directly to the Central Bank of Kuwait’s Board of Directors in order to exercise its authorities, competences and responsibilities independently without subjecting to the authority of any other department in CBK. Therefore, the Internal Audit office sends its audit reports and recommendations to the Board of Directors directly.

Objectives, authorities, and competences of the Internal Audit office:

  • Safeguarding all CBK's assets, and applying procedures that ensure efficiency and productivity, as well as validating all liabilities while considering economic methodology in operations and regulations.
  • Reviewing internal control systems for CBK's operations, ensuring the effectiveness of their applications and submitting reports of any possible gaps attached with recommendations of corrective action.
  • Ensuring adequacy and proper progress of oversight and security arrangements.
  • Working with other departments to determine the transactions that need auditing before or after their implementation as well as identifying transactions that require full audit or sampling.
  • Supervising by collaborating with relevant officials on the implementation of new processes that would affect oversight and auditing procedures.
  • Ensuring that all transactions are recorded according to the instruction and regulations issued by the CBK and under Generally Accepted Accounting Principles.
  • Verifying that the budget balance sheet, along with the profit and loss account, truly reflect the financial position.
  • Supervising budget expenditure items.
  • Collaborating with other departments to address financing and accounting issues that arise during work.
  • Cooperating with the CBK’s external auditors.
  • Developing audit systems and programs in the bank while following up with global developments in Internal Audit.
  • Submitting reports and recommendations to the Central Bank of Kuwait’s Board of Directors regarding the observations and critical findings.
  • Supervising automated systems and assuring that proper security systems are in place.

Sheikh Mohammad S. Al-Sabah

Manager, Internal Audit Office

Mustafa M. Al-Mazidi

Deputy Manager, Internal Audit Office, Operations Affairs

Muna G. Malak

Deputy Manager, Internal Audit Office, Information Technology Affairs

The Committee shall play a role in presenting opinions and counsel to the Central Bank of Kuwait on Shari’ah compliance of financial transactions between the Central Bank and Islamic banks and finance institutions, on the instructions the CBK issues to these institutions. The Committee will also propose general guidelines for products and services they offer. It shall also propose controls to regulate the business of Shari’ah supervision bodies, conduct internal and external Shari’ah audits, and govern the activities related to Fatwa and Shari’ah supervision at Islamic banks and finance institutions.

The Committee will also preapprove candidates for membership on Shari’ah Boards at Islamic banks and finance institutions, issue final decisions where Shari’ah supervision authorities deliberations are inconclusive, and present Shari’ah-based opinions on matters referred to it by the courts or arbitration centers relating to issues of Islamic banking and finance business.

Zaid B. Al-Rukhayyes

The Secretariat of the Higher Committee of Shari’ah Supervision


The main objectives of the Legal Office are to monitor the implementation of the provisions of the CBK Law, to ensure that the Bank’s activities are conducted in accordance with Law, and to provide consultation regarding all legal activities concerning the application of the provisions of CBK Law, rules and regulations in force in the Bank’s various departments and related external bodies.


  • Applying provisions of the CBK Law, rules and regulations issued by the Bank, and recommending amendments, as needed.
  • Preparing drafts of the regulations and provisions issued by the Board of Directors of CBK or by the Governor.
  • Preparing contracts and agreements involving CBK.
  • Responding to questions and inquiries from departments inside the Bank, or from third parties outside the Bank concerning the application of provisions of the CBK Law, rules, regulations, decisions in force, as well as all legal matters involving CBK.
  • Conducting necessary investigations of the administrative offences of CBK employees.
  • Preparing statements of legal rules and procedures of the banking operations conducted by CBK with others, such as cheque cashing, and documentation letters of credits and assuring their conformity under law.
  • Preparing studies of proposed or approved legislation related to CBK or to banks and finance companies.
  • Preparing legal opinions issued to the banks and to other third parties and carrying out cases involving CBK.

Manager, Legal Office

Maha K. Al-Enezi

Deputy Manager, Legal Office

The objective of the Financial Stability Office (FSO) is to ensure the resilience of the financial system against unanticipated adverse shocks. To carry out its responsibilities, the FSO pursues a forward-looking approach to address vulnerabilities, identify and analyze system-wide risks, and alleviate the impact of financial stress by applying an early warning system based on an objective assessment of risks. The FSO utilizes financial stress testing and macroeconomic models in identifying key vulnerabilities and suggesting appropriate corrective measures. Moreover, the office assists in maintaining an effective internal supervisory system, and promoting sound risk management and governance practices within the financial institutions.

Haya B. Al-Humaidi

Manager, Financial Stability Office

Deputy Manager, Financial Stability Office

The Center of Excellence seeks to build upon the existing innovative culture at CBK and to enhance the organization qualitatively.

Laila M. Al-Qatami

Manager, Center of Excellence

The Innovation Hub “Wolooj” seeks to motivate the creative innovators to propose, create and develop ideas by offering an interactive environment for testing the innovative products and services.

Nourah H. Al-Roumi

Acting Manager, Innovation Hub

The Supervision Sector is tasked with following up on implementation of provisions of Chapter III of CBK Law 32/1968 and amendments thereto and the guidelines and instructions issued virtue of the law to guarantee the integrity and stability of the banking and financial system in such manner that protects customers’ money and also following up on realization of monetary and credit policy objectives. It also has a mandate to oversee and supervise banking and financial system units to guarantee satisfaction of provisions of Law No. 106 of 2013 Regarding the Combating of Money Laundering and Financing of Terrorism.

Abdulhameed D. Al-Awadh

Executive Director, Supervision Sector

The Documents Management Unit manages the automated archiving system to store the documents of the Supervision Sector in a manner that ensures follow-up and monitoring thereof. It also presents recommendations to retain and reinforce the confidentiality and security of the system. The Unit is also responsible for security of all documents and the appropriate storage thereof in the designated files, manually and automatically, to ensure the easy, swift and timely retrieval thereof.

Anwar A. Al-Suwailim

Head, Document Management Unit

The On-Site Supervision Department has the responsibility of monitoring the activities of banking and financial institutions [banks, investment companies (with respect to finance activity), financing companies, and exchange companies], to ensure their compliance with provision of relevant laws and supervisory policies and regulations. The department is also tasked with overseeing the combating of money-laundering and questionable transactions, and proposing policies, guidelines, and instructions needed in this regard.

Heshmah M. Al-Enzi

Manager, On-Site Supervision Department

Deputy Manager, On-Site Supervision Department

The Off-Site Supervision Department has the responsibility of monitoring execution of off-site supervision work related to the activities of the banking and financial institutions subject to CBK supervision, aiming to ascertain the soundness and stability of banking and financial system units. The department receives the periodic financial and statistical report of all units subject to CBK supervision. It is also tasked with following up implementation of works necessary for issue of supervisory systems, instructions, and guidelines for these units and with assessing emerging banking and financial phenomena and their implications on the safety and soundness of units of the banking and financial system, as well as following up on execution of the banking risks system and guidelines towards implementation thereof. The unit also follows up matters related to any laws, systems, or decisions relevant to department tasks. It is also the department responsible for communication and contact with external auditors of units subject to CBK supervision, should need arise.

Mohammad B. Al-Khamis, Ph.D

Manager, Off-Site Supervision Department

Marzouq G. Al-Otaibi

Deputy Manager, Off-Site Supervision Department, Statistics & Credit Affairs

Zaid B. Al-Rukhayyes

Deputy Manager, Off-Site Supervision Department, Supervision & Policies Affairs

The Digital Operations & Financial Technologies Supervision Department is tasked to inspect the information systems of local banks, exchange companies and finance companies subject to the supervision of the Central Bank of Kuwait (CBK), technologies used in providing banking services and electronic payment and settlement systems, make observations on the validity of financial transactions, and apply supervision policies and procedures on information, electronic payment and settlement systems and financial technologies. The department also ensures compliance by local banks, exchange companies and finance companies with CBK instructions regarding information technology systems and technologies, including testing products or services offered by local banks, exchange companies, and finance companies in the production environment. The department strives to enhance CBK’s role in developing electronic payment and settlement services according to the best international practices.

Reem M. Al-Roumi

Manager, Digital Operations & Financial Technologies Supervision Department

Anfal A. Al-Asousi

Deputy Manager, Digital Operations & Financial Technologies Supervision Department

The Treasury and International Operations Sector (TIOS) is responsible for making recommendations and suggestions necessary to ensure monetary stability in the State of Kuwait. TIOS is also responsible for the implementation of CBK’s monetary policy through monitoring and analyzing interest rates and their impact on local liquidity levels, through withdrawing excess funds and covering fund shortages, based on market trends and central bank practices as a last resort.

Masoud S. Al-Ajmi

Executive Director, Treasury & International Operations Sector

The unit manages the electronic messaging system for all business-related matters. It also manages and updates relationship management authentication with correspondents (RMA), applies Know-Your-Customer "KYC" procedures and takes the necessary measures to update CBK’s Signature Booklet.

Head, Electronic Communication Unit

The unit reconciles CBK accounts with correspondent banks abroad and takes the necessary action in this regard.

Mashael E. Khalaf

Head, Investigation & Accounts Reconciliation Unit

Treasury Department (TRD) is responsible for managing CBK’s foreign currency assets and gold reserves in international markets based on CBK’s policy in reserves management, taking into consideration the financial position of the banks which TRD deal with. Such banks should have high rating by international credit rating agencies. In addition to managing Open Market Operations (OMO).

Sheikh Abdullah J. Al-Sabah

Manager, Treasury Department

Mariam R. Abdulsalam

Deputy Manager, Treasury Department

International Operations Department (IOD) functions as the Government’s bank, performing trade transactions including transfers and letter of credits carried out in foreign currencies, as well as collecting cheques for the benefit of the State’s ministries and public institutions. Moreover, IOD is responsible for maintaining CBK’s relations with other central banks and international monetary and financial institutions.

Manager, International Operations Department

Muammar N. Al-Otaibi

Deputy Manager, International Operations Department

The Information Technology Sector is responsible for the overall information technology environment at CBK.
The sector includes Information Systems & Operations Department, IT Strategic Planning Department & Information Security Department.

Executive Director, Information Technology Sector

The IT Strategic Planning Department develops strategic plans for information technology for all CBK sectors, departments and offices. IT Strategic Planning establishes, based on research and internal studies, proper IT policies and procedures that are in-line with best international standards, and ensures adherence to policies and procedures using suitable quality measures. Furthermore, the department ensures proper management and execution of CBK’s IT projects.

The department is also responsible for reviewing CBK’s existing processes and procedures to improve their effectiveness and efficiency. In addition, the department is involved with continuously raising IT awareness and supporting IT education and training.

Tariq M. Al-Osaimi

Manager, IT Strategic Planning Department

The Information Systems & Operations Department provides information technology services to all CBK sectors, departments and offices. The department develops systems, applications and technology solutions that are in line with IT sector strategic direction through state of the art technology.

The department establishes plans to maintain a resilient and continuous operational infrastructure to support CBK current and future strategic directions. Additionally, it provides technical support for all the users of CBK systems and services.

Hessa S. Al-Muzaini

Manager, Information Systems and Operations Department

Aisha I. Al-Suwaidan

Deputy Manager, Information Systems and Operations Department, Technical Support and Operations

Ahmad J. Al-Nusif

Deputy Manager, Information Systems and Operations Department, Information Systems Affairs

The Information Security Department protects the confidentiality, integrity and availability of information by ensuring that appropriate security controls and standards are implemented, as well as ensuring that all CBK employees comply with CBK’s information security and cybersecurity regulations, policies, procedures and standards to achieve a secure environment. The department is also responsible for raising CBK employees' awareness in the field of information security and cybersecurity in order to minimize security risks.

The department is also responsible for the CBK’s Business Continuity, ensuring resilience and the ability to recover, and minimizing the impact of any interruption, by implementing international standards for business continuity plans and procedures, preparing the disaster recovery environment, conducting periodic testing and training the concerned teams. In addition, the department issues periodic reports and recommendations, spreads awareness about business continuity procedures, crisis management, and disaster recovery protocols and plans.

Ali T. Al-Khaled

Manager, Information Security Department

The Payment Systems and Currency Sector adopts, manages and develops payment systems and financial transfers in Kuwaiti Dinars using the latest technologies and financial systems, and issues, manages and oversees the Kuwaiti currency, and currency movement and strategic reserve. The Sector also processes all financial transfer transactions (notices/ clearing cheques/ settlements) and monetary transactions (withdrawals/ deposits) for the concerned entities, provides banking services to the public in the banking hall and maintains the valuable assets in CBK vault.

Executive Director, Payment Systems & Currency Sector

The Payment Systems Department manages the accounts of government entities, local private banks, exchange companies and investment companies. The Department also adopts and manages payment systems, follows up on the latest financial technologies in payment systems, studies them, raises appropriate recommendations for the best international practices in the payment systems field, and ensures adherence to the related regulations.

Reem M. Al-Refaey

Manager, Payment Systems Department

Reham A. Bahbahani

Deputy Manager, Payment Systems Department

The Currency Department supervises currency movement and strategic reserve, and processes withdrawal and deposit transactions for government entities and local banks. The Department also maintains assets in CBK vault such as banknotes, coins, commemorative coins, and deposits of CBK’s customers, takes the actions with respect to banknotes, e.g. banknote receipt and destructions, welcomes individuals to the Banking hall and provides them with the necessary services (replacing damaged banknotes/ cashing cheques/ selling commemorative coins).

Hussein A. Shehab

Manager, Currency Department

Deputy Manager, Currency Department

The main tasks of the Executive Director of Organization and Administration Sector are to supervise the functions of the Human Resources Department such as: providing individualized services in personnel affairs, developing plans and programs that aim at improving ways and methods of work in addition to the level of staff performance, as well as developing and updating the CBK personnel career tracks.

Furthermore, the sector is responsible for supervising the tasks of the Administrative Services Department's functions of the Security and Safety Section and the Maintenance Section, as well as following-up the procedures of the Services and Printing Section.

Waleed I. Al-Khubeazi

Executive Director, Organization and Administration Sector

The Security and Safety Office’s main tasks and responsibilities are to maintain security and safety in the CBK’s buildings and all its facilities, by closely monitoring them through the main control rooms. It also regulates the entry of visitors to the CBK and issues the necessary permits.

In addition, the office works to protect the CBK’s employees and visitors in all its facilities, as well as the bank's property which includes banknotes, official documents and devices. It also trains employees on evacuation and emergency plans.

Dr. Ahmad A. Al-Deai

Manager, Security and Safety Office

  • Tel:

    (965) 22975999

This department is concerned with following up on human resources matters in the Central Bank of Kuwait (CBK) and developing plans for occupational development, in addition to identifying and addressing training needs. The department also plans, coordinates and follows up on training programs, develops organizational and occupational structures and work procedures. The department also prepares jobs descriptions, and evaluations and develops salary and benefit systems.

Moreover, this department is responsible for completing and following up on all processes for hiring qualified employees, and related salaries and benefits issues, in addition to maintaining and archiving all documents related to human resources, and issuing necessary statistical information.

Yousef M. Al-Kandari

Manager, Human Resources Department

Ahmed F. Al-Nouri

Deputy Manager, Human Resources Department, Career Development and Training Affairs

Mariam A. Al-Khubaizi

Deputy Manager, Human Resources Department, Personnel and Payroll Affairs

The Administrative Services Department (ASD) is responsible of providing CBK premises with integrated services, in addition to meeting CBK’s needs of numerous publications, and undertaking CBK’s official proceedings with other entities in a timely manner.

ASD is also responsible of monitoring and developing the periodic maintenance schedules for CBK’s devices & equipment, and maintaining and replenishing CBK inventory of materials and supplies in terms of quality and quantity at competent prices. ASD also monitors the implementation of CBKs’ contracts in coordination with the various authorities and departments, and strengthen CBK’s relations with government and non-government bodies.

Yousef F. Al-Ali

Manager, Administrative Services Department

Deputy Manager, Administrative Services Department, Maintenance, Administrative Services & Printing Press Affairs

Bader A. Al-Obaid

Deputy Manager, Administrative Services Department, Purchasing and Contract Affairs

  • Tel:

    (965) 22973476

The Economic Research Department is responsible for monitoring and analyzing domestic and international economic developments and their future trends and anticipated impact on the performance of the State's economy in general and the banking and financial sector in particular with the aim of assisting the Central Bank of Kuwait (CBK) to achieve its core objectives. The Department is also responsible for the enhancement of CBK's relations with regional and international bodies including the Gulf Cooperation Council and the International Monetary Fund.

Furthermore, the department contributes technical views supporting CBK's role as a financial advisor to the government of Kuwait. In fulfillment of its objectives, the Economic Research Department collects and analyzes various economic data provided by different sources, and data concerning the Balance of Payments of the State of Kuwait. Moreover, the Department publishes the Annual Report, Monthly Monetary Statistics, Quarterly Statistical Bulletin and Economic Report, and provides up-to-date economic and financial information and data to CBK's and other interested researchers.
In Addition, the Economic Research Department manages and updates the CBK website and handles translation works for the Central Bank of Kuwait.

Jasem M. Al-Msaileem

Manager, Economic Research Department

Einas A. Al-Khal

Deputy Manager, Economic Research Department, Economic Affairs

Yahya A. Mulla Yousef

Deputy Manager, Economic Research Department, Statistical Affairs

The Finance Department prepares periodic data and statements of the CBK’s financial position, balance sheet, profit and loss account, budget and the closing account in collaboration with the concerned departments. The Department also prepares the necessary reports to respond to inquiries received from government entities regarding CBK’s expenditures, carry out the procedures with respect to expenditures as per the preset regulations and verifies compliance with all supervisory regulations before the disbursement, prepares the CBK’s financial expenditure reports on a regular basis, and follows up on the permanent and temporary advances.

Ghaida A. Bahbahani

Manager, Finance Department

Hassan A. Bousalhah

Deputy Manager, Finance Department

The Communications and Public Relations Department at the Central Bank of Kuwait (CBK), works towards communicating a modern, transparent and open central bank. The department helps maintain confidence in the banking sector, financial sector and economy and is involved in varied efforts including raising financial literacy to achieve consumer protection and empowerment.

Additionally, the department promotes thought leadership, capacity building and innovation both internally and externally in the banking sector.

Talal S. Al-Shammari

Manager, Communications & Public Relations Department

Ghanimah H. Al-Otaibi

Deputy Manager, Communications & Public Relations Department