Operational Summary
Bank Albilad’s 2025 performance was driven by tight orchestration across Retail, Corporate, and Treasury, one operating engine, three complementary roles.
Retail deepened customer reach and digital adoption, Corporate advanced client solutions and origination quality, and Treasury safeguarded liquidity and income diversification. Together, they sustained momentum and strengthened the franchise’s resilience.
Our execution was underpinned by capable teams, disciplined governance, and a scalable digital backbone. We continued to raise the bar on service quality, process efficiency, and risk management while investing in talent, analytics, and automation to keep pace with client needs and regulatory expectations.
Partnerships remained central to impact.
Collaboration with national programs, ecosystem partners, and technology providers helped translate strategy into measurable customer value, supporting inclusion, enterprise growth, and a more seamless banking journey.
Looking ahead, we will keep converting focused execution into future opportunity, elevating customer experience, sharpening operating efficiency, and reinforcing balance-sheet strength as we shape tomorrow’s possibilities across the franchise.
Retail Banking
Deposits outpaced
Market growth across the year
Real Estate Finance
Sales +9% vs. market (YTD)
End-to-end digital
Sales penetration up YoY for Personal Finance and Credit Cards
Launched
Samsung Pay Travel Pass, Supplementary Cards, and Installment Program
Travel Pass
Named VISA “Best Innovative Product 2025”
Introduced tiered
pricing for Business Return deposits
Enhanced Wakalah
Propositions (tiered base pricing, monthly profit feature)
Enabled SADAD
For Auto Lease customers
Introduced Personal
Finance for self-employed customers; executive-office access for UHNW
Launched REDF
additional subsidy for Ministry of Defense employees; continued strong uptake of REDF programs
Rolled out credit-card
limit increase, direct-debit, and automated migration from Tamkeen to Tamkeen+
Quick Financing
Program for private-banking customers and a deferring product for Personal Finance
Deposits outpaced
market growth across the year
Real Estate Finance
Sales +9% vs. market (YTD)
End-to-end digital
Sales penetration up YoY for Personal Finance and Credit Cards
Launched
Samsung Pay Travel Pass, Supplementary Cards, and Installment Program
Travel Pass
Named VISA “Best Innovative Product 2025”
Introduced tiered
pricing for Business Return deposits
Enhanced Wakalah
Propositions (tiered base pricing, monthly profit feature)
Enabled SADAD
For Auto Lease customers
Introduced Personal
Finance for self-employed customers; executive-office access for UHNW
Launched REDF
additional subsidy for Ministry of Defense employees; continued strong uptake of REDF programs
Rolled out credit-card
limit increase, direct-debit, and automated migration from Tamkeen to Tamkeen+
Quick Financing
Program for private-banking customers and a deferring product for Personal Finance
Corporate Banking
The Corporate Banking Group (CBG) continued to strengthen its role as a pivotal connector between the Bank and its diverse corporate clientele throughout 2025. The Group diligently fostered relationships across various sectors, including large corporates, Medium, Small, and Micro Enterprises (MSMEs), Funds and REITs, and governmental bodies. All operations were maintained in full compliance with Sharia principles while driving forward the Bank's innovative financial solutions.
CBG’s strategy in 2025 maintained a significant focus on MSMEs. The Bank views this segment as crucial for client base expansion, supporting their business activities until they achieve large corporate status. This ongoing strategy aims to maximize the benefits derived from increasing the clientele base for both the MSME and large corporate segments.
The Group's activities directly support the national objectives outlined in Vision 2030, reinforcing its core mission of driving institutional revenue and supporting major projects, while remaining key to MSME financing.
Treasury
Throughout 2025, the Treasury division reaffirmed its role as a core driver of Bank Albilad’s financial resilience and strategic growth.
The division remained central to maintaining a strong liquidity position, managing market exposures, and delivering exceptional returns through balance sheet management, disciplined investment, trading and selling activities.
The year was characterized by transformative economic momentum within the Kingdom and global uncertainties. As national development initiatives advanced, financing requirements expanded across non-oil sectors, creating market conditions in which financing growth outpaced deposit generation. Against this backdrop, Treasury ensured that the Bank maintained a solid liquidity posture by proactively accessing diversified funding markets.
The issuance of USD AT1 Sukuk issuance was a defining milestone, allowing the Bank to tap into new investor base while securing competitive funding costs. Treasury launched Certificate of Deposit (CD) program, which increased short to medium term funding market access. These actions strengthened capital, liquidity management resilience and supported responsible balance sheet growth targets.
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Operational Review
