Alinma Bank (1150) Investor presentation summary

Strategy 2030 priorities

• Strategy aims to become KSA’s most innovative and customer-centric bank, with profitability and distinctive differentiation enabled by AI.

• Priorities include tailored segment offerings, memorable digital and physical journeys, intelligent platforms, beyond-banking services, improved monetization and a scalable operating model.

• The 2030 agenda spans retail, private and corporate banking, digital, treasury, human capital, technology and data, risk and compliance, marketing and operations.

Cross-business progress

• The strategy update reports 87 initiatives and highlights Alinma Fantasy, which onboarded 100K+ new-to-bank customers, and two completed AI use case families.

• Tailored lending and mortgage programs for affluent expats reached a client base of 30K; an Environment Fund financing guarantee program agreement was signed.

• A callable Profit Rate Swap solution was launched to expand Treasury hedging offerings for clients.

Retail and corporate banking

• Retail had started 3 of 6 initiatives (50%); affluent expat programs reached 30K clients, Visa Direct launched, and four branches adopted the new identity.

• Corporate had started 3 of 7 initiatives (43%); financing including SMEs grew 7% YoY, mid-corporate booked assets 23% YoY and SME financing 28% YoY.

• Corporate partnerships included a financing guarantee agreement with the Environment Fund and a cooperation agreement with Saudi EXIM Bank.