An innovative banking leader positioned for long-term growth
alinma is a leading Shariah-compliant financial institution with a strong and growing position in the Saudi banking sector. Since its establishment in 2006, the Bank has built scale, credibility, and relevance across retail, corporate, and government segments, grounded in a value proposition that combines Shariah principles with modern banking solutions.
The Bank operates one of the Kingdom's most extensive distribution networks, with 127 branches and 1,408 ATMs nationwide, supporting broad customer access and deep market penetration. Strong and long-standing relationships with government entities, corporate clients, and retail customers enable alinma to deliver a diversified range of financial products and services tailored to evolving market needs.
This positioning has been reinforced by consistent recognition for performance, digital innovation, and customer-centricity, underscoring alinma's role as a systemically important and fast-growing bank within the Kingdom.
Having successfully completed its five-year transformation, alinma entered a new strategic phase beginning in 2026, focused on scaling sustainable growth and reinforcing long-term value creation. The new strategy builds on materially stronger foundations, shifting the Bank from a period of transformation to one of sustained performance, disciplined execution, and consistent returns.
Aligned with Saudi Vision 2030, alinma's forward roadmap prioritizes customer-centric growth, digital leadership, operational efficiency, and prudent capital allocation. The strategy positions the Bank to deepen its role in financing national priorities, leverage data and AI to enhance decision-making, and continue strengthening talent and leadership capabilities. This evolution reflects a bank with proven execution strength, financial resilience, and clarity of purpose.
As a digitally driven financial institution, alinma is well positioned to capture structural growth opportunities created by the Kingdom's transformation agenda. The strategy supports SMEs and private sector expansion, increases women's economic participation, promotes homeownership and household savings, and accelerates the transition toward a cashless economy, reinforcing alinma's relevance across key national objectives.
Deliver seamless, memorable AI-powered journeys across digital and physical channels, supported by personalized value propositions and differentiated investment opportunities.
Lead with advanced technology and artificial intelligence to provide segment-specific solutions, intelligent platforms, and beyond-banking digital services that redefine market standards.
Sustain strong returns through a scalable operating model, enhanced monetization, disciplined cost management, and streamlined cross-functional collaboration.
alinma's ability to deliver consistent profitability and attractive Shareholder returns is underpinned by a strong balance sheet, ample liquidity, and a resilient deposit base. This financial strength provides the flexibility to support customer growth, absorb market volatility, and fund strategic priorities without compromising prudence.
Disciplined capital management and a conservative risk profile have enabled alinma to generate sustainable returns across cycles. With healthy capital buffers and stable funding, the Bank is well positioned to continue meeting customer needs while maintaining a clear focus on long-term value creation for Shareholders.
alinma's governance framework provides a strong foundation for transparency, accountability, and long-term resilience. The Bank has taken a disciplined approach to sustainability and disclosure, ensuring investors and Stakeholders have a clear, comprehensive view of governance practices, risk oversight, and sustainability priorities. This includes the use of a structured Materiality Matrix to identify and focus on the environmental, social, and governance topics most relevant to both the Bank and its Stakeholders.
This governance-led approach has translated into measurable recognition: alinma received multiple national and international awards in 2025 for sustainability, renewable energy financing, and corporate social responsibility, including recognition from ESG Business Awards and the Ministry of Human Resources and Social Development, as well as the King Khalid Sustainability Award. These acknowledgements reinforce alinma's position as a responsibly governed institution that aligns financial performance with national development priorities and long-term Stakeholder value.
