Adnan Alshobely, CEO ofAmlak International Finance Co.
He told Argaam that Amlak responded to these changes by developing higher-yielding products, along with using appropriate hedging tools when needed, thus ensuring the protection of its financial position without imposing additional burdens on clients. 
As regards financial results, the CEO clarified that Amlak posted robust growth in Q2 net profit, indicating that this strong performance was primarily due to a 9.56% growth in the financing portfolio and higher return on financing.
Amlak’s financing portfolio reached SAR 4.38 billion by the end of Q2 2025, a growth of 9.56% year-on-year, distributed at a ratio of about 60% for the corporate segment and 40% for the retail segment. This distribution reflects the company’s balanced strategy to diversify sources of growth and achieve stability, according to the top executive.
Al-Shobely also clarified that the portfolio’s 9.56% growth in Q2 2025 reflects the cumulative impact of the company’s growth and digital transformation strategy, which focuses on expanding into attractive and highly profitable segments, while accelerating the pace of digitization through adopting modern technologies and reinforcing digital infrastructure to increase efficiency and enhance customer satisfaction.
Furthermore, the retail and SME financing products contributed strongly to this growth, leveraging the flexible financing solutions and an advanced digital experience that included the automation of a large percentage of operations, including credit studies using artificial intelligence, he added.
Amlak also intends to continue expanding in these segments in H2 2025, with a greater focus on high-yield products and enhancing performance efficiency through digital platforms, according to the CEO.
He pointed out that the consumer finance segment represents a key pillar within the company’s retail portfolio and contributes significantly to total financing, adding that Amlak’s total market share in the financing sector is estimated at 6.3%, while the consumer finance segment’s share is nearly 3.5%, which witnesses rapid growth driven by its reliance on an integrated digital experience.
“Despite the increase in financing costs, operating expenses, and provisions, revenues grew at a higher pace, driven by efficient pricing management, allocating financing to higher-yielding segments, in addition to cost control, and increasing operational efficiency. This reflects the success of the company’s strategy for smart expansion and maximizing sustainable return,” the CEO stated.
He also noted that Amlak’s assets exceeded SAR 4.6 billion by the end of Q2 2025, driven by rapid business growth and continuous improvement in operational efficiency.
Al-Shobely further stated that Amlak is focusing on three main expansion tracks this year. The first is bolstering digital transformation through the development of smart platforms and expanding the use of artificial intelligence and cloud computing technologies, as more than 70% of credit assessments are conducted automatically.
Meanwhile, the second track is to boost Amlak’s market share in segments with high profit margins by offering flexible financing solutions and an integrated digital customer experience that keeps pace with market needs and achieves higher pricing efficiency. The third track focuses on maintaining balanced growth between revenue and operational efficiency through innovation in financing products and services, and providing carefully designed offerings that fit changing market needs and enhance the feasibility of growth in the medium and long term, he added.
According to Argaam’s data, Amlak reported a net profit of SAR 32.3 million in the first half of 2025, a surge of 92% from SAR 16.8 million in the year-earlier period. The second-quarter net earnings soared 147.7% to SAR 20.39 million, compared with SAR 8.23 million in Q2 2024.
Adnan Alshobely, CEO ofAmlak International Finance Co.
He told Argaam that Amlak responded to these changes by developing higher-yielding products, along with using appropriate hedging tools when needed, thus ensuring the protection of its financial position without imposing additional burdens on clients.
As regards financial results, the CEO clarified that Amlak posted robust growth in Q2 net profit, indicating that this strong performance was primarily due to a 9.56% growth in the financing portfolio and higher return on financing.
Amlak’s financing portfolio reached SAR 4.38 billion by the end of Q2 2025, a growth of 9.56% year-on-year, distributed at a ratio of about 60% for the corporate segment and 40% for the retail segment. This distribution reflects the company’s balanced strategy to diversify sources of growth and achieve stability, according to the top executive.
Al-Shobely also clarified that the portfolio’s 9.56% growth in Q2 2025 reflects the cumulative impact of the company’s growth and digital transformation strategy, which focuses on expanding into attractive and highly profitable segments, while accelerating the pace of digitization through adopting modern technologies and reinforcing digital infrastructure to increase efficiency and enhance customer satisfaction.
Furthermore, the retail and SME financing products contributed strongly to this growth, leveraging the flexible financing solutions and an advanced digital experience that included the automation of a large percentage of operations, including credit studies using artificial intelligence, he added.
Amlak also intends to continue expanding in these segments in H2 2025, with a greater focus on high-yield products and enhancing performance efficiency through digital platforms, according to the CEO.
He pointed out that the consumer finance segment represents a key pillar within the company’s retail portfolio and contributes significantly to total financing, adding that Amlak’s total market share in the financing sector is estimated at 6.3%, while the consumer finance segment’s share is nearly 3.5%, which witnesses rapid growth driven by its reliance on an integrated digital experience.
“Despite the increase in financing costs, operating expenses, and provisions, revenues grew at a higher pace, driven by efficient pricing management, allocating financing to higher-yielding segments, in addition to cost control, and increasing operational efficiency. This reflects the success of the company’s strategy for smart expansion and maximizing sustainable return,” the CEO stated.
He also noted that Amlak’s assets exceeded SAR 4.6 billion by the end of Q2 2025, driven by rapid business growth and continuous improvement in operational efficiency.
Al-Shobely further stated that Amlak is focusing on three main expansion tracks this year. The first is bolstering digital transformation through the development of smart platforms and expanding the use of artificial intelligence and cloud computing technologies, as more than 70% of credit assessments are conducted automatically.
Meanwhile, the second track is to boost Amlak’s market share in segments with high profit margins by offering flexible financing solutions and an integrated digital customer experience that keeps pace with market needs and achieves higher pricing efficiency. The third track focuses on maintaining balanced growth between revenue and operational efficiency through innovation in financing products and services, and providing carefully designed offerings that fit changing market needs and enhance the feasibility of growth in the medium and long term, he added.
According to Argaam’s data, Amlak reported a net profit of SAR 32.3 million in the first half of 2025, a surge of 92% from SAR 16.8 million in the year-earlier period. The second-quarter net earnings soared 147.7% to SAR 20.39 million, compared with SAR 8.23 million in Q2 2024.
