Bank Albilad

Shaping Tomorrow’s

Possibilities

Annual Report 2025

3,049M

Net Income after Zakat
(2025)

21,356M

Total Equity
(2025)

Financial Review

Shaping

Tomorrow’s

Posibilities

Annual
Report 2025

“Shaping Tomorrow’s Possibilities” captures Bank Albilad’s intent to turn today’s innovation into tomorrow’s opportunity.

Guided by strong governance and a commitment to sustainability, the Bank continues to design experiences that are simpler, smarter, and more inclusive. Data and digital capabilities are used to enhance every touchpoint, while trusted partnerships and resilient infrastructure expand choice and elevate service quality.

Download Full Report

At a Glance

net income after zakat total equity Operational Highlights

2025

SAR 3,049M

2024

SAR 2,807M

2025

SAR 21,356M

2024

SAR 16,693M

Launched New

Albilad App

and Investor Relations App

61%

digital share of Enjaz’s total
transaction volume by year-end

143%

increase in open banking
transactions

at a glance at a glance at a glance at a glance at a glance at a glance at a glance at a glance at a glance at a glance at a glance at a glance at a glance at a glance at a glance at a glance at a glance at a glance at a glance at a glance

At a Glance

Download Financial Highlights

3049 ,0 3049 Million

digital share of Enjaz's total
transaction volume by year-end

Download Financial Highlights

21 , 356 Million

Total Equity

Download Financial Highlights

122 , 188 Million

Net Financing

Download Financial Highlights

%

of Enjaz’s total transaction volume by year-end

Download Financial Highlights

143 %

increase in open banking transactions

Download Financial Highlights

branches across the Kingdom

Leadership

“It is an honor for me, and on behalf of my fellow Board members, to present to you the Bank’s Annual Report for the financial year ended 31 December 2025, under the theme “Shaping Tomorrow’s Possibilities.”

Read Full Foreword

Increase of net income after zakat

“Throughout 2025, we focused on strengthening our foundations, deepening customer trust, and advancing digital leadership, guided by our vision and aligned with the objectives of Vision 2030.“

Read Full Foreword

12%

Expansion of our financing portfolio

Abdulaziz
M. Al-Onaizan

Nasser
Mohammed AlSubeaei

Nasser
Muhammad AlSubeaei

Chairman of the Board of Directors

Abdulaziz Mohammad
AlOnaizan

Chief Executive Officer

Year in Review

Capital

Billion

share capital increased; issued USD 650 million AT1 Sukuk under the USD 2 billion program to diversify funding and strengthen liquidity.

Digital & Technology

New Albilad App
momentum

+ %

Mobile users

Retail & Customer Experience

Outperformed
market

Deposits grew faster than market; Personal Finance outpaced sector; Real Estate Finance +9% vs. market.

Corporate & Treasury

Corporate
transformation

Launch of paperless transactions; Syndicated Loans enhancements; stronger Corporate Credit analytics.

Information Security & Governance

Security posture shifted to proactive, risk-driven, intelligence-led with 100% incident resolution within SLA.

People & Culture

+5,480 training opportunities delivered with 94% coverage; 60%+ of keyrole successors are ALP/AAP alumni; retention +87%.

Sustainability & Social Impact

Circular operations

+8,265 kg plastic and +17,640 kg paper recycled; environmental benefits included +72 trees saved, +29,715 gallons water preserved, and ~4.25 tons CO2 avoided.

Read Full Year in Review

Skip to Highlights Scroll to right

Highlight of the Year

Digital Transformation and Innovation

(01)

New Albilad App

The front door to a faster,
simpler Albilad

In 2025, the New Albilad App became the primary gateway to our customer experience, bringing onboarding, everyday banking, and card controls into one seamless flow.

It’s a measurable step-change in how our customers bank: more self-service, more speed, less friction. Designed to meet modern financial needs, the app enables the customer to open accounts and issue digital mada debit card, while also offering access to credit card, all within minutes, entirely online.

(02)

Albilad Verse App

Innovating Financial
Literacy

Bank Albilad launched the Albilad Verse app, a pioneering digital platform designed to advance financial literacy among children and youth.

This initiative reflects the Bank’s commitment to corporate social responsibility, human capital development, and the Kingdom’s Vision 2030 objectives of promoting financial education and preparing a future-ready generation.

Sustainability

In order to define what sustainability means for Bank Albilad, as well as guide and focus our ESG efforts, we developed an ESG framework (‘Framework’), which thematically groups the material ESG issues we previously identified under one of six key sustainability pillars.

Sustainability pillars

Bank Profile

01

01 Bank Profile

02

02 Strategic Review

03

03 Operational Review

04

04 Corporate Governance

05

05 Financial Statements

For further information, download the full report

Shaping Tomorrow’s

Possibilities

Annual Report 2025

Shaping

Tomorrow’s

Posibilities

“Shaping Tomorrow’s Possibilities” captures Bank Albilad’s intent to turn today’s innovation into tomorrow’s opportunity.

2025

SAR 3,049M

2024

SAR 2,807M

2025

SAR 21,356M

2024

SAR 16,693M

Launched New

Albilad App

and Investor Relations App

61%

digital share of Enjaz’s total transaction volume by year-end

143%

increase in open banking transactions

3049 ,0 3049 Million

21 , 356 Million

122 , 188 Million

%

143 %

“It is an honor for me, and on behalf of my fellow Board members, to present to you the Bank’s Annual Report for the financial year ended 31 December 2025, under the theme “Shaping Tomorrow’s Possibilities.”

“Throughout 2025, we focused on strengthening our foundations, deepening customer trust, and advancing digital leadership, guided by our vision and aligned with the objectives of Vision 2030.“

Nasser Muhammad AlSubeaei

Abdulaziz Mohammad AlOnaizan

Capital

Billion

Digital & Technology

New Albilad App momentum

+ %

Mobile users

Retail & Customer Experience

Outperformed market

Deposits grew faster than market; Personal Finance outpaced sector; Real Estate Finance +9% vs. market.

Corporate & Treasury

Corporate transformation

Launch of paperless transactions; Syndicated Loans enhancements; stronger Corporate Credit analytics.

Information Security & Governance

Security posture shifted to proactive, risk-driven, intelligence-led with 100% incident resolution within SLA.

People & Culture

+5,480 training opportunities delivered with 94% coverage; 60%+ of keyrole successors are ALP/AAP alumni; retention +87%.

Sustainability & Social Impact

Circular operations

+8,265 kg plastic and +17,640 kg paper recycled; environmental benefits included +72 trees saved, +29,715 gallons water preserved, and ~4.25 tons CO2 avoided.

Digital Transformation and Innovation

The front door to a faster, simpler Albilad

Innovating Financial Literacy

In order to define what sustainability means for Bank Albilad, as well as guide and focus our ESG efforts, we developed an ESG framework (‘Framework’), which thematically groups the material ESG issues we previously identified under one of six key sustainability pillars.

Download Bank Albilad Full Report

Download Full Report

Albilad Capital

Enjaz

Bank Profile

AboutUs

01
Bank
Profile

02
Strategic
Review

03
Operational
Review

04
Corporate
Governance

05
Financial
Statements

digital share of Enjaz’s total
transaction volume by year-end

increase in open banking
transactions

Nasser
Muhammad AlSubeaei

Abdulaziz Mohammad
AlOnaizan

New Albilad App
momentum

Outperformed
market

Corporate
transformation

The front door to a faster,
simpler Albilad

Innovating Financial
Literacy

Download Bank Albilad
Full Report

About
Us