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Business

Model

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The Bank’s value business model reflects the value it creates for customers.

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Diligent and risk-based decision making.

We use our expertise and judgement to make individual decisions that balance risk and return with customer needs.

Focus on quality and efficiency.

Adopt a long-term view that generates returns that are sustainable over a longer period.

Innovative products and services tailored to meet customer needs.

Customer centricity.

Interest in working in a socially and environmentally sustainable manner

Strong foothold in the KSA Islamic banking segment

With a strong proposition around customized leading-edge digital solutions,we have solidified our position as a key institution providing Islamic banking solutions.

Diversification across business verticals, products and services

Our continual efforts to stimulate growth and innovate has been a cornerstone of our success.

Exceptional customer service

Customer centricity is in our DNA. Our continuous investment in enhancing customer experience keeps.

Our people

Our most important asset are the people who make our growth path possible. Our training and development enable career progression and operational efficiency.

Operational efficiency

Our strategy is weaved around optimum efficiency across the business and decisions.

Leveraged across our business verticals

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Retail Banking

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Corporate Banking

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Treasury

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Retail Banking

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Corporate Banking

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Treasury

To facilitate products and services such as

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Cards

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Bank accounts

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Personal financing

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Auto financing

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Real Estate Financing

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E-services

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Corporate account services

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Financing solutions

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Cash management

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Trade finance

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Trading

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Money market

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Foreign exchange

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Islamic financial derivatives

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Other treasury services

For Our Customers

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SMEs

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Corporate

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Retail

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Financial institutions

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SMEs

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Corporate

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Retail

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Financial institutions

Through direct/

indirect channels

Strategic partnerships

Intermediators

Business partners

TO CREATE
VALUE

We continue to deliver returns to shareholders and long-term value for investors

Shareholder value

Our ongoing commitment to customers have made us a part of their personal and professional journey

With stakeholders

We have been able to engage with employees and create a highly motivated and capable workforce

Employee engagement

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These values are based on

the foundations of

outstanding risk management,

best governance practices,

and a positive work culture.

our stakeholder

  • Customers

  • Business Partners & Suppliers

  • Investors & Shareholders

  • Regulators & Government Authorities

  • Community

  • Employees

Models of Engagement

Branches

Service centres

Call centre

Online banking

Social media

Bank website

Public events

Interest

Friendly & responsive customer service

Data Security

Data privacy

Innovative products & services

Digital banking services

Models of Engagement

Regular engagement & communications Tendering process

Supplier Code of Conduct

Annual & public reports

Bank website

Interest

Responsible & sustainable procurement

Digital innovation & transformation Community investments

Anti-money laundering, bribery & corruption financial stability & systemic risk management

Models of Engagement

General Assemblies

Annual & public reports

Investor conferences & presentations

Investor relations

Press releases

Bank website

Interest

Economic performance,

Sustainable investments,

Business ethics,

Governance & compliance

ESG ratings & indices

Models of Engagement

Board of Directors

Engagement with government authorities Compliance reports and associated activities Annual & public reports.

Interest

Governance, business ethics & compliance, Anti-money laundering, bribery & corruption

Economic performance, Community investment & socioeconomic development, Nationalization

Models of Engagement

Volunteering & donation programs Education programs

Partnerships

Products & services

Social media

Public events

Bank website

Interest

Financial literacy

Financial inclusion & accessibility Nationalization

Governance, business ethics & compliance Community investments

Models of Engagement

Training & development programs Performance appraisals

Rewards & recognition programs Bank events

Annual & public reports

Bank website

Interest

Fair compensation

Talent development

Diversity & inclusion

Employee wellbeing

Customer satisfaction