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sustainable development
aligning with the United Nations Sustainable Development Goals (UNSDGs)
Material Topics
- Customer Experience
UN SDGs
Alignment (%)
Key initiatives
alrajhi bank's ground-breaking wearable payment bracelet
built specifically for children, representing Saudi Arabia's
first comprehensive
youth banking ecosystem. Connected to a dedicated children's account, SWAR empowers young users to make secure digital payments through NFC, access ATMs, set savings goals, and participate in real-world financial activity, while parents maintain full oversight through spending controls, real-time notifications, and multi-child management.
alrajhi bank has started an initiative to promote financial inclusion for women through ladies branches. At present, 176 branches have a dedicated ladies branch.
Through our offerings, alrajhi bank promotes financial inclusion amongst SMEs and lower income groups. Please read more details about our products and service offerings on Page 45.
Material Topics
- Community Investment
and Engagement
UN SDGs
Alignment (%)
Key initiatives
CSR Strategy was formulated, with the Social Responsibility Policy as its foundation.
Various CSR initiatives were implemented across the pillars of the CSR Strategy. More information may be found on Page 166 onwards.
Material Topics
- Community Investment
and Engagement
UN SDGs
Alignment (%)
Key initiatives
alrajhi bank Academy serves as the bank's central learning
hub, with a School of Leadership
that develops future leaders across early-career, mid-management, and senior leadership levels, and a School of Banking that delivers technical and functional training on banking, regulation, risk, digital banking, cybersecurity, and customer experience.
Through the TALEEM learning platform, employees access exclusive digital modules and specialist courses, while the bank uses data-driven dashboards to monitor participation and completion; in 2025, 9,487 users completed 116,392.62 e-learning hours on TALEEM.
The METAKKED gamified learning application uses AI-powered, interactive challenges to strengthen employees' behavioural and functional skills, engaging 4,102 employees in 2025.
Material Topics
- Diversity and Inclusion
UN SDGs
Alignment (%)
Key initiatives
alrajhi bank fosters an inclusive workplace for employees with disabilities through reasonable accommodation, accessible facilities, flexible work options, and targeted recruitment and mentorship.
Material Topics
- Climate Change
UN SDGs
Alignment (%)
Key initiatives
Enhanced cooling efficiency and reduced energy consumption associated with chilled-water systems.
Supported consistent energy savings by reducing unnecessary lighting runtime.
Achieved significant efficiency gains, extended lighting system life, and reduced electricity demand.
Lowered cooling demand and improved overall building energy performance.
Material Topics
- Digitalisation and
Automation - Customer Satisfaction
- Innovation and Product
Development
UN SDGs
Alignment (%)
Key initiatives
Digitalisation and Automation
The bank processed over 1.2 billion transactions per month,
recorded 440+ million mobile logins monthly, and achieved
22.6 million instant payments per month, with digital
adoption reaching 96%.
Cloud-based applications increased to 92%, automated processes reached 62%, and over 400 group-wide APIs were published, enabling 53 interoperable products and 59 Open Banking services.
DigiCore transformation activated 2.5+ million contracts on the new technology stack, including 1.36 million Personal Finance migrations, accelerating full digital core modernisation.
Credit card processing reached 85% automation, delivering efficiency gains equivalent to 200 FTEs, while the IT Governance Framework assessment achieved high level of compliance under SAMA.
Innovation and Product Development
alrajhi bank strengthened the Kingdom's FinTech ecosystem through subsidiaries Neoleap, Neotek and Drahim.
The bank accelerated SME innovation, with SME financing growing 50% in 2025, reinforcing support for private-sector and digital entrepreneurship.
Material Topics
- Human and Labour Rights
- Employee Health
and Wellbeing
UN SDGs
Alignment (%)
Key initiatives
The bank's internal mobility platform Nomu enables employees
to explore and apply for opportunities across alrajhi group,
supporting cross-functional moves and career progression. By
directing recruitment inwards, it helps retain talent and
expand employees' skill sets through new roles and
development paths.
The bank's digital learning ecosystem combines e-learning,
virtual and self-paced content to provide flexible,
accessible development opportunities for employees across
the Group.
The Saudisation programme also supports SDG 8 – Decent Work and Economic Growth, by advancing inclusive, sustainable economic growth and productive employment for Saudi nationals.
The Knowledge Hub portal provides frontline sales employees with on-demand product knowledge, helping them understand all retail offerings, respond accurately to customer queries and achieve strategic cross-sell targets, thereby supporting SDG 8 – Decent Work and Economic Growth by enhancing workforce skills, productivity and quality of service.
Employees can utilise paid exam leave and flexible study arrangements (where business needs permit). Furthermore, a clear approval process is in place post-probation for those wishing to pursue role-relevant certifications or academic programmes.
The bank offers a wide range of non-monetary benefits across life stages, including paid annual leave and public holidays, Hajj leave, marriage and bereavement leave, Iddah and child-companionship leave, relocation and study/exam leave, as well as volunteer leave for employees supporting charitable or community initiatives.
Material Topics
- Innovation and Product
Development
UN SDGs
Alignment (%)
Key initiatives
alrajhi bank has financed several projects around renewable energy, wastewater treatment and water conservation. More details may be found in the 'Sustainable Financing' chapter on Page 201.
Material Topics
-
Sustainable and Socially
Responsible Procurement
UN SDGs
Alignment (%)
Key initiatives
The bank's Supply Chain Management function continues to
operate under a strengthened Procurement Policy aligned with
national
Regulatory requirements, ensuring a transparent, efficient and ethical sourcing process. In 2025, 96% of total procurement spending was directed toward local suppliers.
The Online Procurement Portal was enhanced to support both local and international vendor registrations, further increasing transparency and operational efficiency. The total number of active vendors on the portal rose to 1,545 at the close of the year.
Regulatory controls covering third-party risk, counter-fraud, business continuity, AML and cybersecurity were embedded across all procurement engagements, reinforcing governance, compliance and supply chain resilience.
Material Topics
- Climate Change
- Green Banking and
Lending
UN SDGs
Alignment (%)
Key initiatives
alrajhi bank has implemented water-efficiency initiatives across its facilities. The bank integrated ultrasonic water flow meters into its BMS, allowing for more precise monitoring and control of water usage. Additionally, the Reverse Osmosis (RO) plant at alrajhi tower was upgraded to enable the reuse of treated wastewater for irrigation purposes.
USD 8.9 Bn. was allocated to sustainable financing in alignment with Sustainable Finance Framework.
Material Topics
- Governance, Ethics and
Accountability
UN SDGs
Alignment (%)
Key initiatives
alrajhi bank maintains a robust governance framework
grounded in transparency and accountability, supported by
strong Board oversight with 36% independent representation
and specialised Board and management committees.
The bank applies CMA and SAMA governance requirements, reinforced by formal disclosure and related party controls, with no CMA fines recorded in 2025.
A Whistleblower and Anti-Bribery & Corruption framework enables confidential reporting across the group, with 100% of employees trained on anti-corruption policies in 2025 and zero tolerance for retaliation.
Stringent AML, CTF and sanctions controls are implemented through risk-based due diligence, enhanced PEP monitoring and automated transaction surveillance systems.
An integrated internal control and risk management framework confirmed the adequacy of internal controls in 2025, with no material findings, supported by active Board and committee oversight.