AUB Kuwait asks for 3–6 months of statements for retail credit, 12 months for corporate loans. Convert your PDF first, review your salary regularity and overdraft history, and submit a file you've already audited.
Convert your AUB Kuwait statementAUB Kuwait's credit team requires 3–6 months for retail lending and 12 months for corporate loans. Underwriters focus on three signals: salary regularity, existing liabilities, and overdraft history. The bilingual A4 statement makes each easy to spot — but only if the data is in a real spreadsheet.
Converting before submission lets you check that every salary month is present, no overdraft sits unresolved, and your existing EMIs match what you declared on the application.
The CBK debt-burden cap is 40% net salary for Kuwaitis, 35% for expats. The CSV gives you the numbers to compute that ratio yourself. AUB Kuwait then receives a clean PDF (which they require for the application) plus your own confidence that the file passes.
Branch-code prefixes survive into the description, so reference-driven entries are not mistaken for separate transactions in the underwriter's automated screen.
Pull every salary credit, every recurring debit, and every overdraft event with full Arabic narration preserved.
Standard bilingual Arabic-English A4 PDF. Clearly labelled debit, credit, and balance columns in KWD to 3 decimal places. Monthly opening/closing balance and summary totals at statement top. Transaction narrations include branch codes, cheque refs, and online banking identifiers.
| Label | Meaning |
|---|---|
| راتب | Salary credit |
| شيك وارد | Cheque received |
| سحب ATM | ATM withdrawal |
| كي نت | KNet point-of-sale |
| رسوم بطاقة | Card fee |
Rules in Kuwait differ — see our country guide
Pull 3–6 months from AUB Kuwait Mobile
AUB Kuwait supports multi-month PDF generation. For retail loans pull 6 months; for SME or corporate pull the full 12.
Upload to Kashfbank
The bilingual PDF converts in seconds. KWD is preserved to 3 decimals. Branch codes stay inside the Description column.
Review salary and overdrafts
Filter the Category column to isolate salary credits and overdraft events. Confirm every salary month is present and no overdraft is unresolved.
Submit AUB's original PDF plus your own summary
AUB requires the bank-issued PDF for the application. Use your converted CSV as your private preparation file and as a clean summary for the relationship manager.
Common challenges
Does AUB Kuwait accept the converted Excel?
AUB Kuwait requires the original bank-issued PDF for the application. Kashfbank is for your own preparation — to audit the statement before submission.
How many months do I need for an SME loan?
AUB Kuwait typically requires 12 months for corporate or SME lending. Retail lending is 3–6 months. Convert the full window to spot income trends and any returned-item event.
Will pre-2020 scanned AUB Kuwait statements convert cleanly?
Modern statements convert in seconds. Older scanned PDFs are extracted with lower OCR confidence; Kashfbank flags those rows so you can spot-check before submission.
Is the branch-code prefix preserved correctly?
Yes. AUB Kuwait's 'BR001'-style prefix stays inside the Description column. Naive parsers mistake it for a transaction reference; Kashfbank does not.
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Regulator: Central Bank of Kuwait (CBK)
Fiscal year: Apr 1 – Mar 31 (government); Jan–Dec (private sector)
Full country guide →Statement language: Arabic / English