Subsidiaries
Albilad Capital
2025 Highlights
Launched Albilad MSCI Saudi Equity ETF advancing ABIC’s ambition to be a global Shariah ETF manager; ETF leadership now >70% local market share and ~53% regional share.
Introduced the King Faisal University endowment Fund (multi-asset strategy) to support long-term, mission-driven investing.
Expanded real estate & multi-asset platforms with new funds makkah Vision Real Estate Fund (Infrastructure), Qurtubah Square (Mixed Use), Hittin Real Estate Fund (Mixed Use), Albilad Investment Opportunity Fund 2 (Mixed Use).
Executed landmark mandates across capital markets incl. Umm Al Qura IPO (Sole Lead Manager, JFA, Underwriter, Bookrunner) and multiple sovereign/blue-chip sukuk transactions.
Digital client activity surged with +76% of trading turnover via digital channels; continued rollout of new web & mobile features and Super App (beta) with streamlined mobile onboarding/KYC.
Launched Albilad MSCI Saudi Equity ETF
Advancing ABIC’s ambition to be a global Shariah ETF manager; ETF leadership now >70% local market share and ~53% regional share.
Introduced the King Faisal University
Endowment Fund (multi-asset strategy) to support long-term, mission-driven investing.
Expanded real estate & multi-asset platforms with new funds
Makkah Vision Real Estate Fund (Infrastructure), Qurtubah Square (Mixed Use), Hittin Real Estate Fund (Mixed Use), Albilad Investment Opportunity Fund 2 (Mixed Use).
Executed landmark mandates across capital markets
incl. Umm Al Qura IPO (Sole Lead Manager, JFA, Underwriter, Bookrunner) and multiple sovereign/blue-chip sukuk transactions.
Digital client activity surged
with +76% of trading turnover via digital channels; continued rollout of new web & mobile features and Super App (beta) with streamlined mobile onboarding/KYC.
Enjaz Payment Services Company
2025 Highlights
Launched Enjaz Pay Wallet completing the transition toward an Electronic Money Institution (EMI) model and expanding digital payment and remittance capabilities, and launched a new customer-facing website clarifying the EMI value proposition and digital journeys.
Digital transactions reached 61% of total transaction volume, reflecting accelerated customer migration to digital channels.
Delivered 22% year-on-year net profit growth (before Zakat), supported by product diversification and operational efficiencies.
Strengthened remittance infrastructure through API-driven integrations, improving processing speed, reliability, and scalability.
Achieved a ~92% reduction in fraud cases and mule accounts, driven by AI-enabled monitoring and enhanced governance controls.
API share of remittance transactions rose to 47% (from 24% in 2024), introduced inbound API (“Enjaz-as-a-Service”) enabling real-time remittances into KSA.
Optimized branch footprint (–6%), supporting the channel shift and unit-cost reduction.
Maintained market share in a highly competitive remittance landscape.
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Operational Review
