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/>Financial Position

Consolidated Statement of
Financial Position

Statement of financial position for the reporting period.

ALINMA BANK (A Saudi Joint Stock Company)

Consolidated Statement of Financial Position

As at December 31

Notes 2025
'000
2024
'000
ASSETS
Cash and balances with Saudi Central Bank (SAMA) 4 14,942,407 13,849,670
Due from banks and other financial institutions, net 5 1,720,458 4,510,142
Investments held at fair value through statement of income (FVSI) 6 3,895,782 3,142,665
Investments held at fair value through other comprehensive income (FVOCI) 6 13,654,039 13,750,818
Investments held at amortized cost, net 6 38,940,510 31,681,460
Investments in associates and joint venture 6 132,221 50,267
Positive fair value of derivatives 7 443,077 505,417
Financing, net 8 229,746,838 202,308,094
Property, equipment and right of use assets, net 9 4,522,728 3,400,866
Other assets 10 3,069,088 3,628,082
TOTAL ASSETS 311,067,148 276,827,481
LIABILITIES AND EQUITY
LIABILITIES
Due to SAMA, banks and other financial institutions 11 16,212,965 13,936,256
Customers' deposits 12 227,373,930 210,544,650
Sukuks and certificates of deposit issued 18.1 7,624,921 -
Negative fair value of derivatives 7 265,984 436,626
Amount due to Mutual Funds' unitholders 13 100,782 114,557
Other liabilities 14 11,247,444 10,353,617
TOTAL LIABILITIES 262,826,026 235,385,706
EQUITY
Share capital 15 25,000,000 25,000,000
Treasury shares 17.1 (180,957) (203,958)
Statutory reserve 16 6,435,633 4,836,346
Other reserves 17.2 233,953 (129,404)
Retained earnings 4,250,443 3,188,291
Equity attributable to the shareholders of the Bank 35,739,072 32,691,275
Tier 1 Sukuk 18.2 12,502,050 8,750,500
TOTAL EQUITY 48,241,122 41,441,775
TOTAL LIABILITIES AND EQUITY 311,067,148 276,827,481

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