alinma 2025
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Theme of the Year

Strategy delivered.

Accelerating innovation.

Driving sustainable growth.

Our strategy is designed to be practical, measurable, and executable across economic cycles. In 2025, execution was the central theme. Across the organization, teams delivered against well-defined priorities with stronger coordination, sharper accountability, and improved speed of decision-making, achieving our Strategy 2025 goals and laying a strong foundation for our Strategy 2030 that was launched this year.

We advanced our core banking activities, maintaining a disciplined approach to capital allocation and risk management. Growth was pursued selectively, with a focus on segments where alinma has clear competitive strengths and the ability to build long-term relationships. At the same time, we continued to refine our internal processes, governance frameworks, and performance management, ensuring that scale did not come at the expense of control.

This execution has resulted in measurable outcomes supported by structural change. Over the course of the strategy cycle, operating income more than doubled, while net income grew by more than three times. Returns strengthened materially, with return on equity and return on assets improving significantly. This execution discipline has become a differentiating strength. It allows alinma to move faster where opportunities exist, adapt to changing conditions, and deliver consistently across business cycles.

Investor Relations Department

P.O. Box 66674, Riyadh 11586

Al Anoud Tower, King Fahad Road, Riyadh

Kingdom of Saudi Arabia

E-mail: IR@alinma.com

Phone: +966-11-218-5555

Year in Review

Year in Review

A year defined by progress, purpose and disciplined execution

In 2025, we advanced our strategic priorities with clarity and momentum, delivering strong financial results, accelerating innovation across our platforms, and strengthening our role as a trusted partner for customers, communities, and the broader economy. Our achievements reflect consistent execution of our long-term vision, a clear focus on customer needs and a commitment to sustainable growth supported by strong governance and a purpose-driven culture.

2024 financial results announced

We reported a net profit of % 5,832 million after Zakat, driven by solid growth in assets, financing, investment income, and customer deposits.

Naming rights secured for alinma Stadium

We secured naming rights for King Abdullah Sports City Stadium in Jeddah, expanding our brand presence and deepening engagement with youth and the sports community.

Annual employee gathering

We held our annual gathering across the Kingdom to recognise high-performing employees and celebrate achievements within the work environment.

MSCI ESG rating upgraded to A

Our MSCI ESG rating improved from BBB to A, reflecting meaningful progress in sustainability and governance.

First freelance banking card launched

In collaboration with the Social Development Bank, we launched Saudi Arabia's first freelance banking card to empower freelancers with accessible financing and streamlined payments.

Recognition for Autism Center of Excellence support

The Governor of the Saudi Central Bank honored alinma for contributing to the establishment of the Autism Center of Excellence as part of our commitment to community health initiatives.

Educational scholarships for Martyrs Fund

We signed a cooperation agreement with the Martyrs, Injured, Prisoners and Missing Persons Fund to provide % 5 million in educational scholarships.

Launch of $1 billion Sustainable Sukuk Program

We introduced our Sustainable Sukuk Program and issued %500 million in the first tranche to accelerate sustainable financing.

Best Retail Bank — Saudi Arabia 2025

The Global Economics named alinma as the Best Retail Bank — Saudi Arabia 2025 for excellence in retail banking.

Top 10 Companies in Saudi Arabia

Forbes included alinma in its list of Top 10 Companies in Saudi Arabia for 2025, recognising our performance and customer trust.

Rebranding initiative honored

Global Business Outlook awarded alinma the Most Innovative
Rebranding Initiative — Banking — Saudi Arabia 2025.

Launch of Zood Alajyal Savings Program

In partnership with the Social Development Bank, we introduced the Zood Alajyal Savings Program to strengthen savings habits in line with Vision 2030.

Launch of iz Business

We introduced the iz Business digital experience to support entrepreneurs, SMEs, and freelancers with innovative financial solutions.

Participation in Cityscape Global 2025

We showcased our real estate financing solutions and partnerships at Cityscape Global, reinforcing our role in the national housing and development ecosystem.

King Khalid Sustainability Award

We received the King Khalid Sustainability Award, a national recognition of our leadership in sustainability and responsible banking.