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 Performance

Our Performance

Sustainability performance highlights and measurable progress.

01 Accelerate Sustainable Finance

Sustainable finance is a core element of our commitment to environmental stewardship and community prosperity. By integrating sustainability considerations into financial decision-making, we aim to support economic progress while generating enduring benefits for society and the environment.

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02 Foster Environmental Stewardship and Enable a Circular Carbon Economy

Protecting the environment remains a core priority, supported by a proactive approach to reducing our operational footprint. We manage energy, water, and waste responsibly while continuously upgrading our buildings and infrastructure and integrating renewable energy across our assets. By doing so, we bolster environmental performance and encourage efficient use of natural resources. This commitment is reinforced by a culture that engages employees and suppliers as active contributors to our sustainability journey.

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03 Empower Our Customers

Our approach to responsible customer relations focuses on satisfaction, innovation, and access. We deliver customer-centric, Shariah-compliant products while advancing financial inclusion in support of Saudi Vision 2030. Digitalization enables secure, intuitive, and seamless experiences. We also empower SMEs through targeted financial solutions and reinforce trust through customer education and transparent, ethical practices.

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04 Create a Thriving Workplace

Our people strategy reflects our belief that sustainable performance is built by empowered individuals working within a culture of trust, growth, and care. We continue to strengthen alinma as a workplace where values shape behavior, talent is actively developed, and well-being is treated as a strategic priority.

By aligning culture, capability-building, engagement, and leadership, we create an environment that enables our people to contribute their best, supporting the Bank's long-term ambitions and institutional resilience.

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05 Strengthen Our Communities and Advance Financial Inclusion

Our approach to corporate social responsibility (CSR) reflects a clear conviction: that long-term value is created when financial strength is matched by social responsibility. In 2025, we continued to embed this belief into how we operate, invest, and engage with society. Our CSR agenda is integrated into our strategy, aligned with national priorities and designed to deliver measurable outcomes that strengthen communities, expand opportunity, and emphasize trust. Through a disciplined framework, focused partnerships, and a commitment to accountability, we translate purpose into action and ensure that our growth contributes meaningfully to the Kingdom's social and economic progress.

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06 Drive Robust Governance and Responsible Operations

alinma is a trusted steward of personal and commercial financial activity, operating within a financial landscape that is becoming more complex as a result of regulatory intensity, technological disruption, and changing market forces. To meet this responsibility, ethical conduct and accountability are deeply embedded in our governance framework, with integrity underpinning our Shariah-compliant culture.

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