ESG dashboard

Environment

		2025					2024
Emissions	Unit	Malaysia	Jordan	Kuwait	Saudi Arabia	Malaysia	Jordan	Kuwait	Saudi Arabia
Scope 1	MTCO2e	730.23	12.35	22.68	0	1,460.33	21.29	4.46	0
Stationary	MTCO2e	0.85	1.02	0	0	0.33	2.50	1.83	0
Mobile	MTCO2e	4.2	10.77	22.68	0	2.72	18.51	2.59	0
Fugitive	MTCO2e	725.18	0.56	0	0	1,457.28	0.28	0.05	0
Scope 2	MTCO2e	1,715.78	1,018.81	231.12	126,447.42	2,030.44	917.43	315.19	130,922.31*
Total emissions (Scope 1 + Scope 2)	MTCO2e	2,446.01	1,031.16	253.8	126,447.42	3,490.77	938.72	319.65	130,922.31*
Emissions intensity (Total emissions/employee)	MTCO2e/ employee	5.27				5.8*

* The Scope 2 emissions data for the year ending December 31, 2024, has been revised due to an improvement in data availability and methodology for the CY24 energy consumption data. The CY24 emission intensity number has been revised accordingly.

		Energy
Energy Consumption (Sources)	Unit	2025	2024
Energy Consumption from Petrol and Diesel	GJ	567 #	397#
Energy Consumption from Non-renewable electricity purchased from grid	GJ	844,169	876,053*
Energy Consumption from Renewable sources	GJ	24,136	23,815*
Energy Intensity per employee (GJ/Employee)	GJ	34.6	38.5*
Total Energy	GJ	868,871	900,265*

* The energy consumption data for the year ending December 31, 2024, have been restated due to an improvement in data availability and methodology. The CY24 energy intensity number has been revised accordingly.

# For calculating energy consumption from petrol and diesel, Net Calorific Value (NCV) of 45 GJ/ton and 43 GJ/ton have been considered, respectively.

		Energy
Water and Effluents	Unit	2025	2024
Water Consumption	Megalitres	758	443.64

Social

Details of Total Employees (at group level)	Unit	2025	2024
Total employees	Number	25,083	23,406
Female employees	%	36	34
Saudi employees	%	75	83
Employees departed	Number	4,996	5,093
Turnover rate	%	16.7	21.7
Total training hours	Number	650,213	548,544

	2025
Employees by grade and gender (at bank level)	Male	Female
Senior Management	15	0
Middle Management	189	5
Non-Management	7,937	1,817
Total	9,963

		2025		2024
Details of Total Employees based on Gender and Age Group (at group level)	Unit	Male	Female	Male	Female
<30 years	Number	4,611	4,697	4,405	4,450
30-50 years	Number	11,158	4,163	10,789	3,333
>50 years	Number	388	66	347	68
Number of permanent employees	Number	25,083		23,392
Number of temporary employees	Number	0		14

2024			<30 years				30-50 years				>50 years				Total
			Male		Female		Male		Female		Male		Female
S. No.	Details of Employees based on Region (at group level)	Unit	Saudi	Non Saudi	Saudi	Non Saudi	Saudi	Non-Saudi	Saudi	Non-Saudi	Saudi	Non-Saudi	Saudi	Non-Saudi
1	Number of employees	Number	4,020	384	4,287	163	7,961	2,831	2,957	380	101	251	27	44	23,406
2	Number of FTEs	Number	4,020	383	4,287	163	7,961	2,827	2,957	377	101	247	27	42	23,392
2-a	Senior management employees	Number	0	0	0	0	72	73	5	7	5	41	0	3	206
2-b	Middle Management employees	Number	41	20	35	2	427	528	77	88	11	78	0	33	1,340
2-c	Non-Management employees	Number	3,979	363	4,252	161	7,462	2,226	2,875	282	85	128	27	6	21,846
3	Number of temporary employees	Number	0	1	0	0	0	4	0	3	0	4	0	2	14
4	Number of full-time employees	Number	4,020	384	4,287	163	7,961	2,831	2,957	380	101	251	27	44	23,406

Employee by category	Unit	2025	2024
Permanent	Number	19,662	23,392
Contract	Number	–	14
Outsourced	Number	5,421	–
Total	Number	25,083	23,406

Proportion of senior management hired from the local community (Saudi Arabia) (at bank level)	Unit	2025	2024
Total number of senior management personals	Number	15	14
Number of senior managements hired from the local community	Number	14	13
Percentage of senior management hired from the local community	%	93	93

Total new hires by age group and gender	Gender	2025	2024
Ages 18-30 years	Male	2,869	2,476
	Female	3,303	3,542
	Total	6,172	6,018
Ages 31–50 years	Male	2,234	1,559
	Female	1,232	1263
	Total	3,466	2,822
Ages 51+	Male	64	24
	Female	12	7
	Total	76	31

Employee Turnover	Gender	2025	2024
Ages 18-30 years	Male	1,189	1,201
	Female	1,456	1,806
	Total	2,645	3,007
Ages 31-50 years	Male	1,448	1,241
	Female	779	771
	Total	2,227	2,012
Ages 51+	Male	101	59
	Female	23	15
	Total	124	74

		Female
Details of Parental Leaves for Employees (at a bank level)	Unit	2025	2024
Employees who availed parental leave	Number	139	101
Employees that returned to work after parental leave ended that were still employed 12 months after their return to work*	Number	124	84
Employees who returned to work after completion of parental leave	Number	124	84
Return to work rate	%	89	83
Retention Rate	%	100	83

Employee training by category (at Group level) 2025	Number of employees			Number of person-hours of training
Type	Male	Female	Total	Male	Female	Total
Senior Management	15	0	15	676	0	676
Middle Management	755	76	831	36,788	4,059	40,841
Non-Management	7,371	1,746	9,117	526,457	82,239	608,696
Total training hours	8,141	1,822	9,963	563,915	86,298	650,213

Employee training by category (at Group level) 2024	Number of employees			Number of person-hours of training
Type	Male	Female	Total	Male	Female	Total
Senior Management	48	1	49	880	2	882
Middle Management	511	33	547	6,004	203	6,207
Non-Management	9,337	2,112	11,449	392,240	149,215	541,455
Total training hours	9,896	2,146	12,042	399,124	149,420	548,544

Average training hours 2025		Average training hours per employee category
Type	Unit	Male	Female	Total
Senior Management	hrs/employee	45.0	0.0	45.0
Middle Management	hrs/employee	48.7	53.4	49.2
Non Management	hrs/employee	71.4	47.1	66.8

Average training hours 2024		Average training hours per employee category
Type	Unit	Male	Female	Total
Senior Management	hrs/employee	18.3	2.0	18.0
Middle Management	hrs/employee	11.8	6.2	11.4
Non Management	hrs/employee	42.0	70.7	47.3

		Employees
Employees receiving regular performance and career development review (Saudi Arabia) (at bank level)	Unit	2025	2024
Total number of employees – Male	Nos.	7,746	7,493
Total number of employees – Female	Nos.	1,681	1,542
Employees/Workers receiving career and developmental review – Male	Nos.	7,746	7,493
Employees/Workers receiving career and developmental review – Female	Nos.	1,681	1,542
Percentage of Employees/Workers receiving career and developmental review – Male	%	100	100
Percentage of Employees/Workers receiving career and developmental review – Female	%	100	100
Percentage of Employees/Workers receiving career and developmental review – Senior management employees	%	100	14
Percentage of Employees/Workers receiving career and developmental review-Middle management employees	%	100	100
Percentage of Employees/Workers receiving career and developmental review – Non-management employees	%	100	100

Details of discrimination	2025	2024
Incidents of discrimination recorded	0	0

Economic and Governance

Public Policy	2025 X	2024 X
Political contributions	0	0

Compliance with laws and regulations	Unit	2025	2024
Number of significant instances of non-compliance with laws and regulations for which fines were incurred	Nos.	41	56
Number of significant instances of non-compliance with laws and regulations for which non-monetary sanctions were incurred	Nos.	5	1
Total number of significant instances of non-compliance with laws and regulations	Nos.	46	57

	2025		2024
Compliance with laws and regulations	Number of fines	Amount (X)	Number of fines	Amount (X)
Fines for instances of non-compliance with laws and regulations that occurred in the current reporting period	46	110,795,030	57	118,712,226

Substantiated complaints concerning breaches of customer privacy and losses of customer data	Unit	2025	2024
Number of data breach per customer	Nos.	0	0

Direct economic value generated and distributed	2025 X ‘000	2024 X ‘000
(A) Direct economic value generated
i. Revenues from operations	63,077,609	52,776,772
i-a. Revenues by business segment: Wholesale banking	21,183,891	20,966,887
i-b. Revenues by business segment: Treasury & Investments	19,706,780	10,203,847
i-c. Revenues by business segment: Retail Banking	22,186,938	21,606,038
i-d. Revenues by business segment: International Banking	–	–
ii. Revenues by business segment: Revenues from Other Sources	2,020,201	1,453,608
Total (A)	65,097,810	54,230,380
(B) Economic value distributed
i. Operating Expenses	7,421,898	6,363,599
ii. Employee wages and benefits	4,025,571	3,723,809
ii. Payments to providers of capital	27,380,791	23,210,944
iv. Payments to government by country	2,821,986	2,236,709
iv-a. KSA	2,821,986	2,236,709
Total (B)	41,650,246	35,535,061
(C) Economic value retained (A-B)	23,447,564	18,695,319
(D) Profit Before Tax	27,646,496	21,967,895
(E) Profit After Tax	24,824,510	19,722,206
(F) Earnings Per Share	6	5
(G) Return on (average) equity	23	21
(H) Tier-1 Capital notes	3	3
(I) Capital Resources	142,912,345	123,139,231