Business model

Creating long-term value for our Stakeholders

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Our strengths

Financial position

  • SAR 236.7 Bn. in assets
  • SAR 187.9 Bn. in deposits
  • SAR 173.6 Bn. in financing

Human capital

  • 2,924 Employees
  • 22% Female staff
  • 96% Saudi Nationals

Products and services diversity

  • Shariah-compliant products
  • Kafalah program
  • Digital apps

Customers and investors base

Customers:

  • 4.67 Mn. Customer

  • 19 Mn. Monthly average users (number of smartphone user logins)

  • 98.4% Digital transactions

Investors:

  • 10% Public Investment Fund 15.65% QFI
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How we create value

Vision

  • To be your preferred financial partner
Mission

  • To provide our customers with fully Shariah-compliant financial solutions, from the best work environment that helps to achieve sustainable growth and contributes to community service.
Values

  • Striving to lead
  • Innovation
  • Taking initiatives
  • Serving the community
  • Respect for all
  • Honesty
  • Strengthening relationships
  • Serving customer
Our positioning

  • Ever since its inception, Alinma Bank has steadily grown to be one of the largest banks in Saudi Arabia and a leading Shariah-compliant financial institution in the region. The Bank’s continuous strong financial performance and growing local presence has made Alinma one of the top traded stocks in the Kingdom, with an exponentially growing market capitalization which stood at SAR 77.3 Bn.
Business activities
  • Facilitate payments andtransactions
  • Enable wealth creation and management
  • Provide Shariah-compliant products and services
  • Provide comprehensive bankingproducts and services
Operating segments
  • Retail Banking and Digital Group
  • Corporate Banking
  • Treasury Group
  • Investment & brokerage
Subsidiaries
  • Alinma Investment Company
  • Saudi Financial Technology Company
  • Altanweer Real Estate Company
  • Alinma Isnad Company
  • Alinma SPV Ltd
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Value created

For Shareholders
  • Sustainable growth dividends
  • Q1: SAR 0.25 per share
  • Q2: SAR 0.30 per share
  • Q3: SAR 0.30 per share
  • ROE: 17.2%
For customers
  • Enable wealth creation and management
  • Offering Shariah-compliant products and services
  • Reducing turnaround time (TAT) for products and services
  • Provide comprehensive online banking platforms for Retail and Corporate customer
For employees
  • Supportive, inclusive culture
  • Embracing diversity
  • Long-term career support
  • Training programs
For community/society
  • CSR
  • Investments in environmental projects
  • ESG outputs
  • MSME products and services

Our business model is underpinned by:

Robust corporate governance

Sound risk management framework

Comprehensive sustainability strategy