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Purpose. Performance. Progress.

Purpose. Performance. Progress.

2025 is more than a year of transition - it’s the moment BSF proves that strength and sustainability can power each other. Purpose. Performance. Progress. expresses this balance: profitability that endures because it is responsible, and sustainability that thrives because it delivers results. At BSF, financial excellence and social value are not parallel goals but intertwined ambitions — advancing the Bank, its customers, and the Kingdom toward lasting prosperity.

Overview

In 2025, BSF successfully concluded its five-year transformation, marking a pivotal shift from structural change to scalable execution. Having strengthened our foundation for disciplined, sustainable growth, BSF enters a new strategic horizon. We are resilient, modern, and fully aligned to enable Saudi Vision 2030.

BSF at a Glance

79
branches

across the Kingdom

Fully
integrated

with digital and in-person services

350+
ATMs

Strategically placed nationwide

160+ self-service machines

Enabled for smart transactions, card issuance, and cash services

31,000+ POS terminals

Supporting merchants across retail, services, and SME sectors

X 309.0
billion

X 5.35
billion

image6

X 195.2
billion

X 214.9 million

Chairman’s Foreword

As BSF closes a strategic chapter, we are encouraged by the progress achieved and confident in the foundation the Bank has built for sustainable and responsible growth.

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Message from the Chairman of the Board Strategy and ESG Committee

Embedding sustainability into the fabric of our decisions strengthens our strategy, sharpens our risk lens, and reinforces our responsibility for future generations.

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CEO’s Message

In 2025, BSF completed its five-year transformation, setting the stage for sustainable, purpose-driven growth.

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PILLAR 1:

Accelerating Sustainable Economic Growth

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PILLAR 2:

Creating a Thriving Workplace

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PILLAR 3:

Serving Our Clients

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PILLAR 4:

Protecting Our Communities

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PILLAR 5:

Exemplifying the Highest Ethical and Governance Standards

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