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

Consolidated Statement of<br/>Comprehensive Income

Consolidated Statement of
Comprehensive Income

Comprehensive income for the reporting period.

ALINMA BANK (A Saudi Joint Stock Company)

Consolidated Statement of Comprehensive Income

For the year ended December 31

Notes 2025
'000
2024
'000
Net income for the year after zakat 6,397,149 5,831,661
Other comprehensive income / (loss):
Items that cannot be recycled back to
consolidated statement of income in subsequent periods
Net change in fair value of FVOCI equity investments 17.2 (134,148) 23,721
Share of joint venture's other comprehensive loss 17.2 - (11,553)
Actuarial gain on re-measurement of end of service benefits 17.2 28,676 5,486
Items that can be recycled back to
consolidated statement of income in subsequent periods
Net change in fair value of FVOCI sukuk investments 17.2 172,229 (174,260)
Gain from FVOCI sukuk investments, net 17.2 (25) (911)
Cash flow hedge:
Effective portion of change in fair value of cash flow hedge 42,339 (51,435)
Net amounts transferred to consolidated statement of income 28,569 28,475
Total other comprehensive income / (loss) 137,640 (180,477)
Total comprehensive income for the year 6,534,789 5,651,184

The accompanying notes from 1 to 41 form an integral part of these consolidated financial statements.