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context
value creation model
Financial capital (on balance sheet)
Strong capitalisation profile and healthy liquidity position as at 01 January 2025
- Tier 1 Ratio: 19.3%
- NPL Coverage: 159.4%
- CASA: 70.4%
- LCR: 120.1%
- NPL Ratio: 0.76%
Institutional capital (off balance sheet)
Accumulated knowledge, digital-core systems, strong data and process capabilities, intellectual property, ethics and values, brand equity as the world’s largest Islamic bank, and a deep capacity to innovate, all forming the unique institutional identity that enables the bank to create value.
Investor capital
Loyal investors engaged through transparent reporting, rewarded with strong performance, including a market-leading ROE of 21.1% and X 10.84 Bn. in dividends.
Customer capital
Customer-centric, data-led digital journeys serving a loyal base of 18.5 million customers at the start of the year, supported by a market-leading NPS of 85, deep relationship banking, and segment-specific solutions across retail, corporate and SME segments.
Business partner capital
A resilient local supply chain with 94% of spend directed to local suppliers, creating growth opportunities for partners through optimised procurement processes and a Partnership Portal that supports SMEs with access to value-added services and tools to scale.
Employee Capital
A workforce of 23,000+ employees and 98% Saudisation (at bank level) at the onset of 2025, empowered through continuous learning and development within a conducive, inclusive and safe work environment, supported by extensive training programmes, an internal mobility platform, and strong employee engagement.
Social and Environmental Capital
Long-term contributions to financial inclusion, community development and environmental sustainability, guided by the Sustainable Finance Framework, including X 100M+ in healthcare support, community programmes, and measurable reductions in energy and resource consumption.
Centres of Expertise
- Support businesses
- Digital and data
Core banking businesses
- Retail Banking
- Corporate Banking
- Treasury
- SME
- International Businesses
Group ecosystem
- ICT Services and Solutions
- Brokerage
- Payments
- Securities
- Insurance
- Microfinancing
- Fintech
Stewardship
- Governance Structure
- Risk Management
- Regulatory Compliance
- Strong Internal Controls
- Good Financial Conduct and Sustainability
Strong financial performance in 2025:
- X 24.8 Bn. net income (after Zakat)
- X 39.1 Bn. in operating income
- Total assets surpassed milestone X 1 Tn. mark for the first time to reach X 1.04 Tn.
- X 753 Bn. in net financing
- Sector-leading 23.3% cost-to-income ratio
- Ranked most valuable Saudi brand of 2025 (Kantar BrandZ)
- 96:4 digital-to-manual transaction ratio
- Processing 1.2 Bn. transactions monthly across digital channels
- 440 Mn. mobile logins per month
- 92% applications cloud ready
- Market leading ROE at 23.4%
- Maintained robust capitalisation with Tier 1 at 20.5% and CAR at 21.9%
- Strong asset quality with NPL ratio of 0.75% and 152% coverage
- Earnings per share reached X 5.85
- Expanding customer base to 20+ million across all channels
- Strategically segmented approach to meet unique retail and corporate customer needs
- X 667 Bn. in customer deposits
- One of the highest NPS in the Kingdom: 82
- Growing corporate financing by 24% with the SME portfolio 50% to reach X 59 Bn.
- 96% of total procurement spending of X 4.6 Bn. directed to local supplier network
- X 481 Mn. in cost savings
- 99.55% service level delivery rate maintained
- 650,000 total training hours
- 98%+ Saudisation rate
- 9,714 new hires
- 36% of female employees
- 370 employees mobilised internally
- Zero incidents of discrimination
- Recognised by the Kingdom with Gold Category certificate in CSR
- 890 graduates inducted via GDP
- 15 volunteer programmes recorded by 1,000+ alrajhi employees
- 1,218,683.4 kWh electricity savings
- 8.9 billion USD total allocated for sustainable financing
- Issued the largest sustainable AT1 sukuk by a MENA bank at USD 1.5 Bn., and first T2 sukuk in international debt markets, at USD 1 Bn.
- Energy intensity per employee – 34.6 GJ/employee
- 4 solar PV projects financed
Sustaining a resilient financial foundation that supports consistent profitability, long-term value creation and strategic growth. By preserving strong capital buffers, disciplined balance-sheet management and a stable funding base, the bank enhances its capacity to navigate market shifts, support business expansion and reinforce stakeholder confidence.
Strengthening organisational resilience and operational excellence through advanced digital capabilities, strong data foundations and a unified ecosystem model that enhances agility, security and efficiency across the bank.
Enhancing investor trust through transparent disclosures, prudent financial management and strong governance practices that support sustained profitability and long-term value creation.
Delivering personalised, seamless and data-driven customer experiences that strengthen loyalty, deepen relationships and enhance the bank’s ability to meet diverse retail, corporate and SME needs across an integrated digital ecosystem.
Strengthening a resilient and efficient supply chain through transparent procurement practices, strong vendor relationships and digital tools that enhance service quality, operational reliability and value creation across the bank’s ecosystem.
Strengthening a highly engaged, digitally enabled and future-ready workforce through continuous learning, inclusive career pathways and internal mobility, resulting in improved retention, stronger leadership pipelines and a more productive, motivated organisation aligned with the bank’s long-term strategy.
Advancing the bank’s social and environmental commitments by strengthening financial inclusion, expanding community support programmes and enhancing operational sustainability through responsible resource use, sustainable financing practices and improved environmental performance across the organisation.
Aligned with Saudi Vision 2030 and the Financial Sector Development Programme, the bank strengthens the Kingdom’s financial ecosystem by supporting credit growth, deepening capital markets and reinforcing financial stability. Its strong financial position enhances investor confidence and contributes to national economic diversification and long-term socioeconomic progress.
Enabling a more innovative and competitive financial sector by accelerating digital transformation, improving customer experience and contributing to the Kingdom’s shift toward a technology-driven, knowledge-based economy.
Strengthening capital market confidence by demonstrating consistent financial resilience and responsible governance, contributing to a more stable, attractive and mature investment environment within the Kingdom.
Advancing inclusive access to finance by enabling broader participation in the formal financial system and supporting the growth of individuals, SMEs and underserved segments. Through this customer-centric model, the bank contributes to national Vision 2030 priorities while aligning with global development standards by promoting financial inclusion, responsible financing and long-term socioeconomic empowerment.
Expanding economic opportunity by supporting local suppliers, enabling SME growth and contributing to a more competitive and sustainable national supply chain. This strengthens local industry capacity, stimulates job creation and advances broader economic diversification in alignment with the Kingdom’s long-term development agenda.
Creating meaningful employment across Saudi Arabia and advancing national workforce development, including greater female participation. By building a skilled, future-ready workforce and providing equitable growth opportunities in a supportive, digitally enabled environment, the bank enhances productivity, reduces unemployment and strengthens the talent ecosystem essential to the Kingdom’s economic transformation and Vision 2030.
Supporting long-term societal wellbeing and environmental resilience by enabling access to essential financial services, empowering underserved communities and directing capital toward sustainable development. These efforts contribute to national and global priorities by fostering inclusion, reducing inequalities and promoting a low-carbon, future-ready economy.