Albilad
“Can Bank Albilad extend its full-service Islamic banking franchise into digital-first SME and corporate financial services while modernizing its core wholesale infrastructure?”
HQRiyadh, Saudi Arabia
IndustryBank / National
The story
Bank Albilad operates as a fully licensed Sharia-compliant bank in Saudi Arabia, serving retail, SME, and corporate segments. The bank has expanded beyond traditional banking through subsidiaries — Enjaz (payments), Albilad Capital (investment banking), and Mukafaat Albilad (loyalty) — while also opening the Horizon innovation center to develop fintech partnerships. The wholesale banking modernization via Intellect Design Arena signals an ongoing technology transformation agenda.
Last 12 months
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Regulated entities
2
regulatory licences held by Albilad
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
1 layer disclosed in Albilad’s embedded-finance stack
Lending
POS Financing Program (up to SAR 3M for micro/small enterprises)Supply Chain Finance ProgramCorporate Financing SolutionsMudaraba Overdraft (first Sharia-compliant overdraft in KSA)Personal Financing (Murabaha)Real Estate FinancingAuto FinancingStructured FinanceTrade Finance (Letter of Guarantee, Documentary Collection, Musharkah LC)
Accounting gap: minor