Our sustainability framework, priorities, and governance.
For alinma, accountability to people and the environment is integral to who we are. We uphold rigorous ethical principles and disciplined governance, embedding sustainability throughout our business and day-to-day operations. This approach fosters a culture that delivers lasting social and environmental value within alinma, across the banking sector, and throughout the Kingdom.
In 2025, we made further progress in strengthening alinma’s sustainability agenda. Anchored in the six pillars of our sustainability strategy, we focused on protecting the natural environment, investing in our people, supporting customers and communities, and reinforcing strong governance practices. While we pursue sustainability because it is a core responsibility, we also value the external validation reflected in awards received and improvements in our ESG ratings.
Sustainability at alinma is fully integrated into our governance structures. Oversight begins at the Board and Executive Management level and extends across the entire organization, further emphasizing our commitment toward robust governance, accountability, and effective risk management.
The Board Governance and Sustainability Committee serves as alinma's highest sustainability authority, chaired by the Vice Chairman of the Board supported by two other Board members and an external subject matter expert. The Committee oversees the implementation of the governance framework, reviews and updates policies related to professional conduct and corporate social responsibility to reflect the Bank's values, and monitors the Bank's compliance with laws and regulations. It also approves strategies and programs related to governance, sustainability and social responsibility, submitting the necessary recommendations to the Board.
At Executive Management level, the Sustainability Committee oversees the execution of alinma's sustainability strategy, promoting alignment and consistency in delivering social and environmental outcomes. This Committee is led by the Deputy CEO and supported by seven other executives.
Implementation is actioned by Sustainability Champions from across the Bank and the Sustainability Department at management level. Together, they drive the Sustainability Strategy through awareness programs and targeted initiatives.
In 2025, alinma completed a thematic internal audit of the sustainability management system, while the Sustainability Champions' work was linked to their annual performance appraisal. These measures served to embed sustainability more deeply across the Bank.
In 2025, alinma received the following awards
King Khalid Award for Sustainability | ESG Business Award
Since 2023, our sustainability strategy has provided a clear and practical framework, agile and responsive to alinma's dynamic operating environment, while supporting long-term, sustainable growth. It is closely aligned with the Bank's overall corporate strategy and contributes to the objectives of Saudi Vision 2030 and the United Nations Sustainable Development Goals (SDGs). It also draws on leading global frameworks, including the Principles for Responsible Banking, the World Federation of Exchanges, the Global Reporting Initiative, and the Carbon Disclosure Project, taking into consideration the International Financial Reporting Standards (IFRS) Sustainability Disclosure Standards. The strategy is structured around six core pillars, with clear goals and dedicated sustainability key performance indicators (KPIs) embedded in management performance assessments.
| Pillar | Goals | Vision 2030 | UNSDG |
|---|---|---|---|
| Accelerate sustainable finance |
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| Foster environmental stewardship and enable a circular carbon economy |
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| Empower our customers |
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| Build a thriving workplace |
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| Strengthen our communities and contribute to greater financial inclusion |
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| Drive robust governance and responsible operations |
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This three-year strategy is concluded in 2025, making way for a new sustainability strategy that will guide alinma for the next five years.
To identify the ESG topics of greatest importance to our Stakeholders, alinma undertook a detailed materiality assessment informed by local and international frameworks as well as comprehensive peer assessments. Material matters are reviewed each year to confirm their continued relevance to the Bank.
| Material matter | Pillar | ESG element |
|---|---|---|
| Most important | ||
| 1 Responsible customer relations and satisfaction | Empower our customers | S |
| 2 Talent attraction, retention, and development | Build a thriving workplace | S |
| 3 Data privacy and cybersecurity | Drive robust governance and responsible operations | G |
| 4 Digitalization and innovation | Empower our customers | G |
| 5 Governance, accountability, transparency, and ethics | Drive robust governance and responsible operations | G |
| 6 Systemic risk management | Drive robust governance and responsible operations | G |
| 7 Climate change and circular carbon economy | Foster environmental stewardship and enable a circular carbon economy | E |
| Highly important | ||
| 8 Diversity, equity, and inclusion | Build a thriving workplace | S |
| 9 Employee engagement and well-being | Build a thriving workplace | S |
| 10 Financial inclusion and community investment | Strengthen our communities and contribute to greater financial inclusion | S |
| 11 Financial and economic performance | Empower our customers | G |
| 12 Sustainable financing and investment | Accelerate sustainable finance | G |
| Important | ||
| 13 Environmental impact and natural resource protection | Foster environmental stewardship and enable a circular carbon economy | E |
| 14 Responsible procurement and localization | Strengthen our communities and contribute to greater financial inclusion | S |
| 15 Community engagement and empowerment | Strengthen our communities and contribute to greater financial inclusion | S |
| 16 Nationalization | Build a thriving workplace | S |
