Arab National Bank (1080) Investor presentation summary

Market position and operating environment

• Holds a leading position in Saudi Arabia with 46 years of banking experience, 121 branches, and over 2 million customers.

• Well-capitalized with a CET1 ratio of 16.4% and market capitalization of over 43.2 billion SAR as of end 2025.

• Saudi Arabia's GDP grew over 300% since 2004, with non-oil sectors expanding in line with Vision 2030.

• The banking sector is robust, with total assets rising 10.6% in 2025 and strong government support for digital transformation.

• Fintech sector is rapidly growing, with over $1 billion invested and 230 active fintech companies by 2025.

Financial performance and business mix

• Total assets reached 281.4 billion SAR (+13.1% YoY), with customer deposits at 209.3 billion SAR (+14.9% YoY).

• Net income for FY 2025 was 5.116 billion SAR (+3.0% YoY), and operating income was 9.9 billion SAR (+4.9% YoY).

• Loan book grew 15.2% YoY, with balanced growth in both corporate (+15.7%) and retail (+13.9%) segments.

• Cost to income ratio was 33.77%, with cost growth at 8.8% YoY, reflecting tight cost control.

• ROAE stood at 11.61%, and capital adequacy ratio at 20.02%.

Strategic initiatives and digital transformation

• Launched a new digital strategy, focusing on hyper-personalized retail apps, AI-powered relationship management, and fintech partnerships.

• Digital banking saw exponential growth, with 86% of new accounts for existing customers opened digitally.

• Introduced innovative products like Hassala, a digital savings tool, and expanded digital fulfillment for loans and cards.

• Core growth initiatives include building a fintech ecosystem, advanced analytics, and agile operating models.

• Recognized for excellence in innovation and SME banking in 2024.