Pillar 1
Accelerating sustainable economic growth
- Total assets of X 309.1 billion (up 5% YoY), driven by increased lending (+5%) and investments (+13%).
- Tier 1 Ratio 16.2% | Capital Adequacy Ratio 21.4% | Liquidity Cover Ratio 193.8%
- Advanced proprietary platforms including the Integrated Corporate Portal (ICP), BSF Global, B2B platforms, and a fully integrated retail omni-channel platform.
- Ongoing collaboration with the SME Bank, aimed at catering to the microfinancing opportunities in the market to aid MSMEs' funding gaps.
Pillar 2
Creating a thriving workplace
- A talent pool of 3,120 full-time professionals at BSF Group supported by opportunities to learn and grow within a safe and inclusive work environment.(note: Bank entity full-time staff, excluding subsidiaries, is 2,718).
- Diversity, Equity, and Inclusion framework and strategy which is action-oriented, emphasizing workplace respect, safety, equitable development, and inclusive leadership.
Pillar 3
Serving our clients
- Loyalty and trust built by offering unique data and AI driven personalized customer service, meeting entire financial needs so that customers remain the main priority of the Bank.
- Successfully renewed ISO 10002 certification for Quality Management Guidelines for Complaints Handling, as well as its ISO 10004 certification for Quality Management Customer Satisfaction Guidelines.
Pillar 4
Protecting our communities
- Ongoing assistance for financial inclusion, environmental sustainability and social progress by diverting funds towards sustainable financing, creating long term positive impact.
- 499% increase in annual investment in climate-related infrastructure, resilience, and product development in 2025 (X 267,000 in 2024 to X 1,598,924 in 2025).
- Community investments of SAR 10 Mn
- ATHAR Program-a unified community investment framework.
Pillar 5
Exemplifying the highest ethical and governance standards
- Trusted group of investors who are involved via regular updates, disclosures and frequent reporting and rewarded with strong governance and ethical conduct of business.
- Upholding the highest ethical and governance standards by operating in compliance with the Banking Control Law, the Companies Law and its implementing regulations, CMA and SAMA regulations, and BSF's Articles of Association, thereby ensuring accountability and transparency for all stakeholders, including investors, customers, regulators, employees, partners, and the communities it serves.
Core banking activities
Wholesale Banking Personal Banking Corporate Banking Treasury and Investments MSME Banking Islamic Banking Investment Banking Digital and data ICT Services and solutions Payments Insurance
Stewardship
Governance structure Risk management Regulatory compliance Internal controls Financial conduct and sustainability
Pillar 1
Accelerating sustainable economic growth
- X 195.2 Bn in customer deposits
- X 5.353 Bn in net income (after Zakat)
- X 214.9 Bn in net financing
- X 68.7 Bn in investments
- Financing portfolio for MSMEs is X 13.8 Bn
- 4.7% YoY growth in retail customers
Pillar 2
Creating a thriving workplace
- Employee satisfaction score: 74%
- Full-time Saudi Arabian Employees: 93.3%
- Female employees: 25.3% of total workforce
- Youth employees (18-30 years): 23.10% of total workforce
- Average training hours completed per employee: 20
- Bank employed five persons with disabilities (PWDs)
Pillar 3
Serving our clients
- 4.84% growth of customer base
- Full omni-channel access deployed: The app-store ratings rose significantly, moving from ~2.0 to 4.5 and from ~2.6 to 4.7.
- Number of BSF mobile transactions completed 25.8 Mn (up 15% from 2024)
- Customer satisfaction rate: 89.95%
- NPS for Priority Customers improved to 35.7% to 69.1%
- Digitally active unique customers using BSF Web & Mobile reached 780,302 in 2025
- 72% of new and unique customers being onboarded digitally (67.24% in 2024)
Pillar 4
Protecting our communities
- Scope 1 GHG emissions: 29% decrease compared to 2023
- Scope 2 GHG emissions: 0.8% YoY decrease
- 44.6M kWh energy consumed (0.8% decrease YoY)
- 16.4 tonnes of paper recycled (up 4.5% YoY)
- Investments into the community reached over 203,634 beneficiaries across 11 distinct initiatives
A total of 107 employee volunteers participated in these efforts
Pillar 5
Exemplifying the highest ethical and governance standards
- Return on equity 10.68% (total equity), up +39bps YoY
- Preserved a sound balance sheet
- Shariah compliant
- Published governance disclosures, annual reports and regulatory filings.
- In 2025, the Strategy and ESG Board Committees merged to provide integrated oversight of the Bank's long-term ESG direction. Following the Board-level merger, the ESG and Strategy Management Committees were consolidated into the Strategic Transformation Committee.
- BSF continues to uphold the ISO:27001 certification for Information Security Management Systems
- 60% Board Independence rate and 60% Nomination & Remuneration Committee Independence rate.
Pillar 1
Accelerating sustainable economic growth
- Improved operational efficiency through upgrading of the core banking system, corporate portal and new retail omnichannel platform.
- Strong brand awareness due to rebranding initiatives undertaken.
Pillar 2
Creating a thriving workplace
- Developing a future-ready workforce that is engaged, digitally equipped, and provided with equal opportunities for career advancement.
Pillar 3
Serving our clients
- Improving client satisfaction through personalized and digital banking services.
Pillar 4
Protecting our communities
- Purchasing high-quality goods and services at the right price thereby assisting local suppliers with banking solutions to grow their businesses.
- Lowering BSF's carbon footprint.
- Strengthen the BSF's recognition as a bank that issues sustainable financial products.
- Providing banking to the underbanked communities.
- Enabling people with disabilities to access banking services.
- Encouraging staff to give back to their communities.
Pillar 5
Exemplifying the highest ethical and governance standards
- Building strong investor trust through clear governance and ethical business frameworks in place.
- Increased credibility with regulators due to compliance with rules and regulations.
- Better-informed stakeholders, leading to sound decision-making.
- Reduced operational and compliance risk for BSF.
Pillar 1
Accelerating sustainable economic growth
- Supporting Saudi Vision 2030's goals of economic diversification and financial sector expansion creating a thriving economy.
- Developing a flexible and foolproof digital ecosystem catering to clients' financial needs.
- Strengthening BSF's reputation as an innovator and transformer in the industry.
Pillar 2
Creating a thriving workplace
- Stimulating employment in the country by reducing unemployment and increasing female workforce participation.
Pillar 3
Serving our clients
- Going beyond basic transactions by nurturing relationships through offering a wide range of financial solutions, thus creating lasting value.
Pillar 4
Protecting our communities
- Ensuring smooth, long-term, and sustainable supply chain operations through reliable delivery and reduced risks.
- Assisting the Kingdom towards its net-zero goals.
- Directing funding towards sustainable financing projects.
- Reducing inequality by enhancing collective well-being.
- Improving accessibility to banking services in the country.
Pillar 5
Exemplifying the highest ethical and governance standards
- Improving BSF's long-term share value while continuously maintaining strong return on equity.
- Ability to attract global investors due to standardized governance in place.
- Improving the finance sector integrity, thus contributing to national economic goals.