Climate Change Data

Environmental Metrics

ESG Focus Areas

• Responsible Customer Relations and Satisfaction
• Talent Attraction, Retention and Development
• Diversity and Inclusion
• Digitalisation and Innovation
• Governance, Accountability, Transparency and Ethics
• Systemic Risk Management
• Employee Engagement and Wellbeing
• Financial Inclusion and Accessibility
• Data Privacy and Cybersecurity
• Financial and Economic Performance
• Sustainable/Green Lending and Investment
• Operational Environmental Impact
• Supply Chain Management and Responsible Procurement
• Social Development and Community Engagement
• Nationalisation

Environmental Achievements

• Reduced Scope 1 & 2 CO2e emissions to 31,330.15 metric tonnes
• Reduced Scope 1 & 2 CO2e emissions intensity to 11.730 metric tonnes/FTE
• Implemented various green initiatives in branches including solar energy systems, smart building energy control systems, and improved greenery

Social Achievements

• Achieved 19.22% female employment
• 70% employee satisfaction score
• Increased MSME financing by 27%
• More than doubled the number of SME customers in 2022
• Allocated 1% of net profits to corporate social responsibility (CSR) projects

Governance Achievements

• Established a Governance and Sustainability Committee
• Implemented various cybersecurity initiatives including risk assessments, PCI DSS v4.0, and adherence to relevant guidelines

Climate Goals & Targets

Environmental Challenges

• Not disclosed

Mitigation Strategies

• Not disclosed

Supply Chain Management

Supplier Audits: Not disclosed

Responsible Procurement

• Not disclosed

Climate-Related Risks & Opportunities

Physical Risks

• Not disclosed

Transition Risks

• Not disclosed

Opportunities

• Not disclosed

Reporting Standards

Frameworks Used: Null

Certifications: Null

Third-party Assurance: Not disclosed

UN Sustainable Development Goals

• Not disclosed

Not disclosed

Sustainable Products & Innovation

• Green Financing

Awards & Recognition

• EMEA Special Award Green Deal of Year and Green Deal of the Year –Neom Helios (Green Hydrogen)
• Social Infrastructure Finance Deal of the Year

Environmental Metrics

ESG Focus Areas

• Accelerating sustainable finance
• Fostering environmental stewardship and a circular carbon economy
• Empowering our customers
• Building a thriving workplace
• Strengthening our communities and contributing to greater financial inclusion
• Maintaining robust governance and responsible operations

Environmental Achievements

• 58 solar energy systems installed at Alinma branches
• 76 smart building systems installed at Alinma branches
• 21.8% reduction in GHG emission Scope (1 & 2)
• 21.7% reduction in electricity consumption
• 8% reduction in water consumption
• 12,310 KG paper recycled

Social Achievements

• Launched Youth App (soft launch) and 10K customers onboarded
• +75% of bank employees have been trained
• 21.9% female percentage of total workforce
• +320 employees obtained professional certificates
• Ranked 3rd most preferred place to work in the Kingdom
• 90% talent retention rate
• Reached 2nd place in NPS across KSA banks
• 96% Saudization rate
• Ministry of HR & SD Labor Awards -- #1 place to work for people with disabilities
• International Finance Awards Best Place to Work

Governance Achievements

• Updated Alinma’s Corporate Governance Framework to include sustainability and CSR strategy
• Completed a full digital transformation of the Legal Operations team
• 3 additional ESG policies created

Climate Goals & Targets

Environmental Challenges

• Increased fuel consumption due to power generator testing

Mitigation Strategies

• Developing calculation methodology for GHG emissions in alignment with Greenhouse Gas Protocol
• Implementing advanced energy management systems
• Adopting smart and sustainable building practices

Supply Chain Management

Supplier Audits: 14/year

Responsible Procurement

• Supplier Code of Conduct

Climate-Related Risks & Opportunities

Opportunities

• Climate finance opportunities

Reporting Standards

Frameworks Used: GRI Standards, UNGC, UN SDGs

Certifications: ISO 10002, ISO 10004

Third-party Assurance: Ernst & Young Professional Services (EY)

UN Sustainable Development Goals

• SDG 1
• SDG 3
• SDG 4
• SDG 5
• SDG 7
• SDG 8
• SDG 9
• SDG 10
• SDG 12
• SDG 13
• SDG 16

See Appendix B

Sustainable Products & Innovation

• Sustainable Nama products

Awards & Recognition

• Two awards at the 2023 Capital Markets and ESG Awards for Project Finance Deal of the Year

Environmental Metrics

ESG Focus Areas

• Integrating ESG factors into financing and investment activities
• Customer Relations
• Diversity and Equal Opportunity
• Training and Development
• Sustainable Procurement
• Data Privacy
• Anti-Money Laundering
• Anti-Corruption

Social Achievements

• Commitment to financial inclusion, focusing on reaching underserved communities.
• Support for Small and Medium-sized Enterprises (SMEs) by providing specialized financial products and advisory services.
• Customer education and capacity building initiatives.
• Increase the representation and career progression of women across all levels of the organization.

Governance Achievements

• Established a Sustainability Committee and a Governance and Sustainability Board committee to oversee ESG framework and progress.
• Robust policies and reporting mechanisms for Anti-Money Laundering and Anti-Corruption.
• Adherence to international standards for AML, Anti-Corruption, and Data Privacy.

Climate Goals & Targets

Environmental Challenges

• Managing ESG risks and impacts in high-risk projects and transactions.
• Measuring and tracking value chain greenhouse gas emissions.

Mitigation Strategies

• Developing a due diligence toolkit to identify and manage ESG risks.
• Conducting project-level risk assessments according to IFC’s environmental and social risk categorization process.
• Measuring and tracking Scope 1, 2, and 3 emissions (including financed emissions).

Supply Chain Management

Responsible Procurement

• Supplier Code of Conduct

Climate-Related Risks & Opportunities