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
+ %
Business Internet Banking
+ %
BaaS
+ %
Digital Personal Finance
+ %
Open Banking
Tier 4 data center fully operationalized
Successful DR switch; annual DRT completed for 47 systems and BCT for 34 departments.
+
Fully automated RPA processes scaled, saving ~10,000 hours annually
Retail & Customer
Outperformed
market
Deposits grew faster than market; Personal Finance outpaced sector; Real Estate Finance +9% vs. market.
Cards &
Payments
Launched Samsung Pay, Supplementary Cards, Installment Program, and Travel Pass — awarded VISA “Best Innovative Product 2025.”
Propositions
Strengthened
Tiered pricing for Business Return deposits; Wakalah upgrades (tiered base pricing, monthly profit option); SADAD enabled for Auto Lease.
Premium
Focus
Personal Finance for self-employed, Quick Financing Program and deferring product for Personal Finance.
Complaints Resolved
Service quality: 93% CSAT (complaints); 97% resolved within SAMA SLA; social-media complaints –15% YoY after new CRM and proactive monitoring; 100% CE&Q staff certified.
Corporate & Treasury
Corporate
transformation
Launch of paperless transactions; Syndicated Loans enhancements; stronger Corporate Credit analytics.
Embedded ESG in credit: Environmental Risk Assessment.
Treasury
Resilience
Diversified funding (incl. AT1 Sukuk); Sukuk-led investment growth, Return from Assets, FX; tighter governance via Trading Desk Framework, portfolio setup, and risk limits; new hedging solutions for clients.
Information Security
& Governance
Security posture shifted to proactive, risk-driven, intelligence-led with 100% incident resolution within SLA.
PCI DSS v4.0
certified;
Full alignment with SAMA CSF and NCA; Open Banking APIs achieved 100% compliance with zero critical findings.
Reduction in high-risk issues via secure-architecture governance; 100% completion of security-awareness programs for employees and customers.
People & Culture
+
Training opportunities delivered with 94% coverage; 60%+ of key-role successors are ALP/AAP alumni; retention +87%.
Engagement
Uplift
“Your Voice Matters” drove +17% satisfaction (participation >80%); launched BAB HR Mobile App.
Workplace
& well-being
Opened Ladies’ Gym at Albilad Tower and a new on-site medical clinic at Al Malaz.
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.
Community at scale
Ramadan Basket reached 29,000+ people; SAR 1,000,000 donated via Ehsan (27 charities, ~6,000 beneficiaries); 250+ liters blood donated.
Environment
Planted 5,000 mangroves (Umluj) and 1,500 native seedlings (Huraymila); “Let’s Care to Grow” added 5,000 smart seedlings; Shuttle Bus pilot served 1,000+ riders.
Financial literacy & youth: Albilad Verse Center programs reached 5,000+ children (46 schools, 5 charities); launched the Albilad Verse App; FinTech Hackathon drew 1,600+ applicants across 12 universities (prizes up to SAR 50k; teams moved to incubation).
Inclusion
through Tech
Fathkrony enhanced (Audio Qur’an; Urdu/Bangla/Indonesian; Azan reminders; adjustable adhkar; prayer-time refinements; new widgets).
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Strategic Review
