Alinma Bank (1150) Q4 2025 earnings summary

Executive summary

• Achieved 10% YoY net income growth for FY 2025, driven by 9% operating income growth and strong ROE of 18.7%.

• Balance sheet expanded 12% YTD, with total assets reaching 311.1Bn and financing up 14%.

• Digital engagement remains high, with 98.8% of transactions digital and 6.5Mn customers.

Financial highlights

• Net income for FY 2025 reached 6,397Mn, up 10% YoY; operating income grew 9% YoY to 11,905Mn.

• Funded income increased 8% YoY, non-funded income up 10% YoY.

• Gross financing grew 13% YTD, led by 17% retail and 12% corporate growth.

• Customer deposits rose 8% YTD to 227.4Bn, with CASA deposits up 1%.

• Cost to income ratio increased to 31.2% from 30.9% YoY.

Outlook and guidance

• 2026 guidance targets low teens financing growth, net profit margin decline of 10–5bps, cost to income below 30.5%, and ROE above 19%.

• 2030 targets include asset growth at low double-digit CAGR, ROE above 22%, cost to income below 28.6%, and CAR above 18%.