Alinma Bank (1150) Status update summary

Strategic achievements and transformation

• Achieved strong financial growth: ROE more than doubled, net income grew over 30% CAGR, and assets nearly doubled from 2020 to 2025.

• Digital transformation led to 76% digitally active customers and 30% of credit card/personal finance sales via digital channels.

• ESG progress included 100% increase in sustainable financing, 18x rise in employee volunteering, and 65% growth in female workforce.

• Achieved top quartile global Organizational Health Index and improved MSCI ESG rating to A.

2030 strategy and ambitions

• New plan targets innovation, customer centricity, profitability, and differentiation, leveraging AI and data.

• Aims to introduce over 100 AI use cases, with estimated SAR 600 million–1 billion bottom-line impact over five years.

• Focus on scalable, AI-powered operating models and hyper-personalized customer journeys.

• Strategic goal to become the primary financial partner for all stakeholders.

Business line focus and growth

• Retail and private banking: doubled customer base, 2.5x asset growth, and 80% liability growth; next phase emphasizes AI-driven engagement and wealth advisory.

• Corporate banking: 2x asset growth, 8x liability growth, 18x mid-corporate financing, and 3x SME financing; future focus on SME edge and digital platforms.

• Treasury: 70% asset growth, 80% yield increase, diversified funding via Sukuk and CDs; 2030 focus on further diversification and FX/derivatives growth.

• Investment arm achieved 40% asset management revenue growth and 8x principal investment revenue; aims for leading wealth advisory and disruptive offerings.