Arab National Bank (1080) Investor presentation summary

Market position and business overview

• Holds a leading position in Saudi banking, with 45 years of experience and a strong tech-driven approach.

• Operates 123 branches, 1,107 ATMs, and serves over 2 million customers, with a market capitalization of SAR 42.1 billion as of end-2024.

• Maintains a well-diversified business model, with robust fundamentals, resilient asset quality, and strong liquidity.

• Corporate and retail banking are the main contributors to operating and net income, supported by treasury and investment services.

• Recognized for innovation and SME banking, with awards for excellence in 2024.

Financial performance and growth

• Total assets reached SAR 248.3 billion (+12.1% YoY), with customer deposits at SAR 182.2 billion (+9.8% YoY).

• Net income for 2024 was SAR 4.97 billion (+22.0% YoY), and operating income SAR 9.5 billion (+10.9% YoY).

• Loans and advances grew by 11.3% YoY, with double-digit growth in both corporate and retail segments.

• Cost to income ratio improved to 32.9%, and ROAE reached 13.4%.

• Maintained strong capital (CET1 ratio 17.2%, CAR 18.9%) and liquidity (LCR 132%).

Strategic direction and digital transformation

• Five-year strategy targets top market position, digital leadership, and tailored value propositions for corporate, retail, and wealth clients.

• Focus on expanding in strategic sectors, enhancing SME and affluent offerings, and driving innovation in treasury and investment banking.

• Digital banking is a key growth driver, with 29% YoY growth in digital customer acquisition and 34% in personal financing.

• Launched new digital products, including a remittance app and upcoming robo-advisory and internet banking platforms.

• Core digital initiatives include hyper-personalized apps, AI-powered relationship management, and fintech partnerships.