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

Our Strategy

Our Strategy

Strategic focus for accelerating impact

Our strategic agenda set a clear path for disciplined growth, stronger performance, and sustained value creation. We are advancing with purpose by placing customers at the center of every decision, expanding our digital capabilities, and strengthening the quality of experiences we deliver across all segments. Our people remain a core driver of this progress and we are investing in their development to reinforce our standing as one of the Kingdom’s leading employers in financial services. Aligned with the ambitions of Saudi Vision 2030 and anchored in Shariah-compliant principles, our strategy positions us to support national priorities, deepen our contribution to economic development, and build long-term value for our Stakeholders.

Our Vision

To be the most forward-thinking financial services brand, offering distinct solutions that empower our Stakeholders and communities with confidence and foresight.

Our Mission

To deliver the fastest, most convenient, and innovated financial solutions that anticipate customers' needs and provide proactive insights.

Our Values

  • We're innovative
  • We're transparent
  • We're collaborative
  • Towards passion

Our visionary positioning

Speed and Convenience

To be recognized and celebrated as the fastest and most convenient bank in the Kingdom.

Description

To offer our products and services in an efficient way where we become the fastest and most convenient bank in the Kingdom.

Progress in 2025

  • Launched iz Business (new digital banking experience designed to empower SMEs and freelancers)
  • Launched digital trade finance platform, allowing customers a seamless, flexible trade finance experience
  • Released cash flow management solution for corporate clients
  • Introduced family account ecosystem on mobile banking app
  • Offered insurance products (travel and medical malpractice) for customers on mobile banking app
  • Launched Salary Advance product
  • Introduced the Payment Deferment product as part of CSR initiatives to support customers facing financial difficulties and providing temporary financial relief and flexible repayment options
  • Opened 11 new branches

Looking forward

  • Continuous improvement of TAT for key products and services
  • Continue enhancement of digital journeys
  • Continuously improve the digital app
  • Continuous migration of products and services to digital channels

Customer Satisfaction (NPS)

To obtain the top Net Promoter Score (NPS) in the rapidly evolving Saudi Banking sector.

Description

To achieve the best score in NPS across all KSA banks.

Progress in 2025

  • Achieved 2nd place in NPS rank across KSA banks
Refer to the Retail Banking chapter for details on elevating customer centricity.

Looking forward

  • Continuous review of key products and services customer journeys
  • Continue closing the loop of customers' feedback by contacting them after submitting their feedback
  • Keep doing root cause analysis of repetitive issues

Employer of Choice

To be the leading employer of choice across Saudi banks in a booming and highly competitive job market.

Description

Cultural transformation to attract and retain the best talent in KSA.

Progress in 2025

  • 23% female percentage of total workforce
  • +350 training programs have been conducted focused on coaching and leadership development
  • +80% of employees received core, technical, and leadership training
  • Delivered cooperative training initiatives, equipping more than 170 trainees with hands-on, on-the-job experience
  • 96% Saudization rate
  • Introduced parents' medical insurance
  • Organizational Health Index (OHI) score to 78

Looking forward

  • Continuously develop employees' capabilities
  • Supporting social engagement
  • Drive employee engagement and execute initiatives to increase the OHI score
  • Continuously empower women and women in leadership positions

Reflecting on our strategic progress and achievements

2021: Laying the foundation

Key figures of the year

Net income (%)

0 Mn

Employed

0

0%

female staff

0.0 Mn

customers connected via digital platforms nearly 150 million times

2022: Gaining momentum

Key figures of the year

Net income %

0 Mn

0%

Grew Retail financing by

0%

0%

increase in training

2023: Achieving impact

Key figures of the year

Net income (%)

0 Mn

0%

NPL coverage

0.0%

Net income CAGR rate (2019 – 2023)

0%

Daily average users

0

Digital transactions

0.0%

2024: Sustaining excellence

Key figures of the year

USD 0 Bn

Sukuk issued to diversify funding base

Corporate business

0%

Growth in deposits in corporate business

Achievements

Launched Youth app (iz) to public and grand reveal activities and campaigns executed.

Launched eCLO phase 2 covering ICB, PSF, CCB and SME traditional.

Built and deployed the integrated portal (CIB) for Corporate/SMEs segments.

Launched the Supply Chain Finance product.

2025: Realizing Strategy 2025

Key figures of the year

Net income (%)

0 Mn

0%

Net income CAGR rate

0%

(2021-2025)

0%

YoY growth in SME financing