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The Saudi National Bank
The Saudi National Bank (1180) investor relations material
The Saudi National Bank Investor presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Investor presentation summary12 Feb, 2026
Strategic direction and market position
Pursuing Vision 2030 with a focus on technological innovation, customer centricity, and sustainable growth in Saudi Arabia and the GCC region.
Largest banking group in Saudi Arabia, with diversified operations across 9 countries and leading positions in assets, net income, and operating income.
Maintains top market share in wholesale banking, treasury, and asset management, with strong retail and brokerage presence.
Operating environment
Benefiting from a supportive macroeconomic backdrop, including stable oil prices, positive GDP growth, and controlled inflation.
Banking sector remains robust, with healthy lending and deposit growth, stable loan-to-deposit ratios, and strong liquidity.
Financial performance and highlights
Achieved record net income of 25.0bn SAR in 2025, up 18% YoY, with operating income rising 9% and cost-to-income ratio improving to 23.1%.
Financing grew 11% YoY, driven by wholesale and mortgage expansion, while customer deposits increased 10% and CASA ratio reached 73%.
Asset quality improved, with NPL ratio declining to 0.68% and cost of risk normalized at 15bps.
Operating expenses fell 11% YoY, supporting record efficiency levels.
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Latest events from The Saudi National Bank
- Net income up 19% to SAR 6.022 billion, with strong lending and improved asset quality.1180
Q1 202516 Mar 2026 - Net income rose 18% to SAR 12.2bn in H1 2025, with strong lending and upgraded profitability outlook.1180Q2 202516 Mar 2026
- Net income reached SAR 10.3 billion for H1 2024, with upgraded loan growth guidance and robust asset growth.1180Q2 202416 Mar 2026
- Record net income, improved efficiency, and upgraded guidance highlight robust growth and outlook.1180Q3 202516 Mar 2026
- Record net income, strong financing and deposit growth, and cost efficiency drive robust results.1180Q4 202516 Mar 2026
- Solid growth in assets and deposits, stable profitability, and strong liquidity underpin 2024 outlook.1180Investor presentation16 Mar 2026
- Record profitability and asset growth driven by strong domestic performance and digital leadership.1180Investor presentation16 Mar 2026
- Solid growth in assets, profitability, and ESG leadership with reaffirmed 2024 guidance.1180Investor presentation16 Mar 2026
- Record net income and asset growth driven by strong financing and digital innovation.1180Investor presentation16 Mar 2026
- Ambitious 2027 targets include 17-18% ROTE, CIR below 25.5%, and strong digital growth.1180Strategy presentation16 Mar 2026
Next The Saudi National Bank earnings date
Q1 202628 Apr, 2026
The Saudi National Bank
Next The Saudi National Bank earnings date
Q1 202628 Apr, 2026
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