2023 at a glance

Enabling excellence in the digital era

Becoming a highly valued brand in the Kingdom and the Middle East Region

Financial highlights

Net income

SAR

4,839 Mn.

+34% YoY

Total assets

SAR

236.7 Bn.

+18% YoY

Financing

SAR

173.6 Bn.

+18.5% YoY

Customers deposits*

SAR

187.9 Bn.

+29% YoY

ROA

2.21%

#1 in KSA

NPL ratio

1.61%

ROE

17.22%

#2 in KSA

NPL coverage

154.9%

*Including CASA, which increased by 10% YoY to reach SAR 90.6 Bn.

Operating income composition

Operational highlights

Saudization rate

96%

2022: 95.2%

Female staff

22%

2022: 19%

Training hours

96,744

2022: 88,870

Monthly average users

19 million

(Smartphone user logins)

Daily average users

631,000

(Smartphone user logins)

Digital transactions

98.4%

Awards

Global SME Banking Innovation Awards 2023

Outstanding Staff Training, Learning & Development Program

Global SME Banking Innovation Awards 2023

Outstanding SME Cash Management Solution

Global SME Banking Innovation Awards 2023

Best SME Business Loan Product

International Finance Magazine Awards – Banking – Saudi Arabia 2023

akthr - Best Customer Loyalty Program

International Finance Magazine Awards - Banking - Saudi Arabia 2023

Best Working Place

GIFA | Winners

Best Islamic Bank 2023

Future Banks Awards KSA 2023

Leading Islamic Bank of KSA 2023

IRBA

Best Islamic Credit Cards Range in Saudi Arabia 2023

Won 4 awards at Capital Markets & ESG Finance Saudi Arabia Awards

2023

ESG highlights

Paper recycled

12,310 kg

Volunteering hours

2,412

Equipped for solar energy power

58 branches

Microfinance funding for over 280 families

SAR 5 Mn.

Sustainability strategy launched

Environmental Management policy developed

Geographical footprint

Alinma Bank branches

City	Region	Branches
Riyadh	Riyadh Region	38
Jeddah	Makkah Region	11
AlKhobar	The Eastern Region	6
Dammam	The Eastern Region	6
Makkah	Makkah Region	4
Medina	Madina Region	3
Al-Hofuf	The Eastern Region	2
Aljubail	The Eastern Region	2
Buraidah	Al-Qassim Region	2
Dhahran	The Eastern Region	2
Hafr Al-Batin	The Eastern Region	2
Hail	Hail Region	2
Jazan	Jazan Region	2
Taif	Makkah Region	2
Abha	Aseer Region	1
Ad-Dawadimi	Riyadh Region	1
Alahsa	The Eastern Region	1
Albahah	Aseer Region	1
Al-Bukayriyah	Al-Qassim Region	1

City	Region	Branches
AlKharj	Riyadh Region	1
Al-Majma'ah	Riyadh Region	1
Al-Qatif	The Eastern Region	1
Al-Qurayyat	Aljuf Region	1
Al-Zulfi	Riyadh Region	1
Arar	Northern borders Region	1
Ar-Rass	Al-Qassim Region	1
Bisha	Aseer Region	1
Khamis Mushait	Aseer Region	1
Najran	Najran Region	1
Rafha	Northern borders Region	1
Ras Tanura	The Eastern Region	1
Sabya	Jazan Region	1
Unaizah	Al-Qassim Region	1
Sakaka	Aljuf Region	1
Tabuk	Tabuk Region	1
Turaif	Northern borders Region	1
Shaqra	Riyadh Region	1
Yanbu	Madina Region	1

Number of point of sales in KSA

133,928

POS

Number of ATMs in KSA

1,504

ATMs

Number of branches in KSA

108

branches