Business Model

Our strengths

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Financial Capital Strength

  • % 276.8 Bn in Assets
  • % 210.5 Bn in Deposits
  • % 202.3 Bn in Financing

Human Capital
Strength

  • 2,906 Employees
  • 22% Female staff
  • 96% Saudi Nationals

Intellectual Capital Strength

  • Shariah-compliant products
  • Digital offering
  • AI integration

Social and Relationship Capital Strength (as of 31 December 2024.)

  • 5.53 Mn Customers
  • 23.8 Mn Monthly average users (number of smart phone user logins)
  • 98.6% Digital transactions
  • 10% Public Investment Fund
  • 13.74% QFI

How we create value

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Vision

  • To be the most forward-thinking financial services brand, offering distinct solutions that empower our stakeholders and communities with confidence and foresight.
Mission

  • To deliver the fastest, most convenient, and innovated financial solutions that anticipate customers’ needs and provide proactive insights.
Values

  • We’re innovative
  • We’re Transparent
  • We’re collaborative
  • Towards Passion
Our Positioning

  • Alinma Bank has steadily grown to become one of the Kingdom of Saudi Arabia’s fastest growing financial institutions and a leading Shariah compliant financial institution in the region. Through strategic progress and continuous innovation, we have delivered increasing value to our shareholders and impact for our stakeholders, ending 2024 with a market capitalization of
    % 72.4 Billion.
Business Activities
  • Facilitate payments and transactions
  • Enable wealth creation and management
  • Provide Shariah-compliant products and services
  • Provide credit to facilitate consumption and support economy
Divisions
  • Retail Banking and Digital Group
  • Corporate and SME Banking division Group
  • Treasury Group
Subsidiaries
  • alinma capital
  • alinmapay
  • Altanweer Real Estate Company
  • alinma isnad
  • alinma SPV Ltd

Value created

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For Shareholders
  • Growth Dividends
  • Q1: % 0.25 per share
  • Q2: % 0.25 per share
  • Q3: % 0.30 per share
  • Q4: % 0.30 per Share
  • ROE: 18.8% as of 31 December 2024
For customers
  • Enable wealth creation and management
  • Offering Shariah-compliant products and services
  • Reducing turnaround time (TAT) for product and services
  • Provide comprehensive online banking platforms for Retail and Corporate customer
For employees
  • Supportive, inclusive culture
  • Embracing diversity
  • Long-term career support
  • Training programs
  • Women empowerment
For community/society
  • CSR
  • Investments in environmental projects
  • ESG outputs
  • MSME Product and services
  • Support home ownership
  • Enhance financial literacy

Our business model is underpinned by:

Robust corporate governance

Sound risk management framework

Strong Sustainability Plan