Burgan asks for 3–6 months of statements. Convert your PDF first, review your salary regularity and international transfer pattern, and submit a file you've already audited.
Convert your Burgan statementBurgan Bank's retail credit team requires 3–6 months of statements for personal finance. Underwriters look for consistent salary credits, low overdraft frequency, and a stable balance trajectory. Customers with international transfers — common at Burgan given its regional footprint — are reviewed for remittance regularity that can demonstrate income from abroad.
Converting your PDF to Excel before submission lets you catch missing salary months, large unexplained transfers, or returned items that hurt the application. Burgan does not penalise applicants who flag and explain an anomaly; they penalise statements with unexplained noise.
Your converted file lets you sum monthly salary, check overdraft incidents, and identify large one-off entries before the bank does. The CBK debt-burden cap (40% net salary for Kuwaitis, 35% for expats) is calculated from the data your statement provides.
Burgan accepts the original bank-issued PDF for the application itself. Kashfbank gives you the structured data to review your own file — and to share a clean summary with a relationship manager who wants context fast.
Pull every salary credit, every recurring debit, and every overdraft event. The full Arabic narration is preserved for audit clarity.
Bilingual Arabic-English A4 PDF. Columns: date, narration, debit, credit, balance (KWD to 3 decimals). Account header includes full customer name, account number, IBAN, currency, and statement period. Regional wire transfers include correspondent bank SWIFT codes in narration.
| Label | Meaning |
|---|---|
| تحويل خارجي | Outward international transfer |
| حوالة واردة | Inward remittance |
| كي نت | KNet POS payment |
| شيك | Cheque clearing |
| راتب | Salary deposit |
Rules in Kuwait differ — see our country guide
Pull 3–6 months from Burgan Mobile
Burgan supports multi-month PDF statements. Pull the full window the credit team asks for — usually 6 months for personal finance, 12 for SME.
Upload to Kashfbank
The bilingual PDF converts in seconds. KWD is preserved to 3 decimals. International wires keep their correspondent BIC in 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 the bank's original PDF plus your own summary
Burgan requires the bank-issued PDF for the application. Use your converted CSV as your private preparation file and as a clean summary to share with your relationship manager.
Common challenges
Does Burgan accept the converted Excel, or the original PDF?
Burgan requires the original bank-issued PDF for the application. Kashfbank is for your own preparation — to audit the statement before you submit it.
How many months should I convert before applying?
Burgan typically asks for 3–6 months for personal finance and 6–12 for SME. Convert the full window so you can see income regularity and any overdraft event in one merged sheet.
I get income from abroad through SWIFT. Does that help or hurt my application?
Consistent international transfers can demonstrate income from abroad and support the application. Irregular or one-off large wires raise questions. The converted CSV lets you see the pattern before Burgan does.
What if my Burgan statement has a multi-currency row?
Burgan accounts sometimes mix KWD and USD. Each row keeps its original currency tag in the export so your application file shows the true KWD-equivalent salary clearly.
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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