A consolidated view of our business lines, digital case study, and subsidiaries.
As we close the books on 2025, the Retail Banking Group stands proud of a year in which digital innovation, Shariah-compliant product depth, and customer centric execution converged to deliver record setting growth and heightened trust. Our profit rate transparent solutions have reached more Saudi families than ever before, while our AI driven processes have cut onboarding time significantly.
In 2025, our Retail Banking Group advanced on every front, reinforcing our position as a customer-centric market leader and delivering another year of strong commercial and brand momentum. We continued to advance our mandate to serve customers with clarity, convenience, and trust, by elevating our presence across digital and physical touchpoints, expanding our engagement with key communities, and delivering record-setting performance in strategic growth channels.
We will build on this momentum, deepening sustainable financing, expanding green Islamic offerings, and continuing to turn every interaction into a reliable source of value for our customers, shareholders, and the Kingdom's Vision 2030.
Our ambition is to lead the future of private banking in Saudi Arabia by redefining what excellence looks like. We aim to set a new benchmark built on trust, insight, innovation, and global sophistication.
alinma's Private Banking Group reached an important inflection point in 2025. What began as a fast-growing business maintained into a national leader in private banking, underpinned by a sharper client strategy, a stronger value proposition, and a clear foundation for our 2030 ambition. Our progress reflected the depth of client relationships, the quality of growth, and our ability to meet the evolving needs of high-net-worth clients across Saudi Arabia.
We aim to become the first and only choice for discerning clients seeking a private banking partner that understands their expectations, anticipates their needs, and elevates their financial journey with uncompromising quality.
In 2025, Digital Banking moved from capability building to value creation at scale. We translated strategy into measurable outcomes by embedding intelligence, automation, and Shariah-compliant innovation across every journey. The result was clear: stronger growth, deeper engagement, faster execution, and a digital platform trusted by millions.
Over the past five years, the Digital Banking Group has evolved from a focus on fundamental capabilities to a high-impact digital powerhouse that is integrated, automated, and scaled across alinma. This period was defined by deliberate capability building, structural execution, and the establishment of a fully Shariah-compliant digital ecosystem that now delivers growth and consistency.
As we enter the next phase of our transformation, Digital Banking stands as a core engine of alinma's performance today and a foundation for sustained leadership under Vision 2030.
A mobile-first platform redefining how SMEs and freelancers bank
Building on the successful launch and adoption of iz Youth, we delivered customer-centric solutions tailored to Saudi Arabia’s SME ecosystem, unlocking untapped markets with innovative, productive, and growth-focused offerings. By leveraging the insight and momentum gained from iz Youth, we are now positioned to serve these untapped markets with tailored, innovative solutions. Both segments are central to economic diversification, job creation, and productivity growth.
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At alinma, Treasury is not just a function. It is the engine that powers balance-sheet growth, strengthens funding resilience, and empowers clients across every segment. Our mandate goes far beyond liquidity management.
Over the past five years, our Treasury Group has undergone a structural transformation that elevated its role as a core contributor to alinma's financial strength, strategic flexibility, and client value proposition. This progress reflects disciplined execution, deeper Shariah-compliant innovation, and a more sophisticated operating model designed to support the Bank's long-term ambitions.
We shape the stability of the Bank, expand access to diverse capital sources, and engineer Shariah-compliant solutions that help customers navigate complex financial environments with confidence. As alinma enters a new strategic horizon, Treasury continues to serve as a catalyst for growth, innovation, and long-term value creation.
Our priority is to meet the evolving needs of our corporate clients with solutions that strengthen their ability to grow, invest, and compete. In 2025, we deepened our role as a trusted financial partner for businesses across every sector by delivering tailored financing, expanding digital capabilities, and maintaining a disciplined approach to risk.
The past five years marked a period of significant expansion and structural progress for our Corporate Banking Group.We strengthened our position as a core banking partner for project and structured finance, large corporates, mid‑corporates, and SMEs by reshaping our portfolio, enhancing our digital capabilities, and deepening client relationships across a wider economic base. Our financing portfolio grew by 94% over five years, surpassing the aspiration set in 2021 for 60% growth by 2025. This momentum reflected disciplined execution and rising market confidence in our ability to structure, deliver, and service complex financing.
We also strengthened our commitment to responsible growth by scaling our sustainable finance portfolio. Through client-focused innovation, relationship-led engagement, and execution anchored in prudence, we continue to reinforce the financial infrastructure that enables businesses to operate with trust and confidence.
We reshaped the SME experience in 2025 with a clear ambition: to become the most reliable and enabling banking partner for growing businesses. By simplifying credit journeys, introducing more flexible lending structures, and launching the iz Business digital channel, we made it easier for our partners to access capital, manage operations, and scale with confidence.
In 2025, the SME Division delivered a decisive shift in how we serve and support our partners, anchored in a singular objective: making banking faster, simpler, and more responsive to the realities of SME growth. This focus on customer experience acted as the catalyst for broad operational progress, materially improving turnaround times for credit decisions and reinforcing our position as a reliable growth partner for SMEs across the Kingdom.
These improvements, reinforced by Credit Loan Origination (eCLO) enhancements and AI-driven capabilities, strengthened our operating efficiency and sharpened our focus on what matters most, accelerating sustainable growth for SMEs across the Kingdom.
alinma capital achieved significant milestones during 2025, reinforcing its position as a leading player in the investment sector. alinma capital managed % 104.6 billion in Assets under Management (AuM) and introduced 13 new private funds across diverse sectors, including real estate, energy, healthcare, financing, Murabaha, and fixed income, collectively adding % 7.6 billion to its AuM.
alinmapay's focused strategy has delivered exceptional results, with the successful completion of most key initiatives leading to the achievement of our core targets. Our customer base has doubled since 2024, serving as the foundation for remarkable growth. We now serve over 1.5 million customers, with 55% showing high engagement and 35% actively transacting. This strong user adoption stablized the transaction volumes, maintaining high levels of processed transactions exceeding 9 billion in value. Furthermore, international remittances more than doubled, surpassing 700 million and highlighting the expanding use cases for our platform.
Throughout the year, TechStrike strengthened its technology ecosystem by entering into more than 50 strategic partnerships with leading regional and global IT distributors. These partnerships enhanced the company's execution capabilities and enabled the delivery of more comprehensive solutions across hardware, software, and managed services.
AREC maintained a pivotal role throughout 2025 in overseeing alinma’s real estate operations and upholding full compliance with regulatory, procedural, and governance requirements. During the year, the Company executed property purchases in the Bank’s name for Ijara financing contracts, reflecting the effectiveness and accuracy of the lease-based financing framework adopted by the Bank. AREC also completed the transfer of real estate titles to the Company for properties assigned to the Bank as settlement of customer liabilities.
alinma SPV Limited continued efficiently managing the increasing volumes of derivatives transactions conducted with foreign counterparties. Growth came mainly on the back of increased Profit Rate Swaps (PRS) and FX forward transactions in lieu of higher market demand.
alinma isnad made significant strides in advancing its strategic objectives during 2025. The Company successfully increased the hiring rate of women, achieving 23% representation within the workforce. It also streamlined operations by closing more than 97% of outsourced company arrangements within alinma, enhancing efficiency and reducing costs. Additionally, alinma isnad launched a comprehensive performance system project, further strengthening workforce management and aligning employee contributions with organizational goals.
