Arab National Bank (1080) Investor presentation summary

Market position and operating environment

• Holds a leading position in Saudi banking, with over 46 years of experience and a strong presence across all main economic sectors.

• Well-capitalized with a CET1 ratio above 16.5% and market capitalization exceeding SAR 43.4 billion.

• Saudi Arabia’s economy is expanding, driven by Vision 2030, with non-oil GDP now nearly 60% of total GDP.

• The banking sector benefits from robust growth, digital transformation, and government spending.

• Maintains high credit ratings from Moody’s, S&P, and Fitch, all with stable outlooks.

Financial performance and business mix

• Total assets reached SAR 269.0 billion, up 14.2% YoY; customer deposits at SAR 201.7 billion, up 14.9% YoY.

• Net income for H1 2025 was SAR 1.34 billion, up 8.6% YoY, with ROAE at 12.86%.

• Cost to income ratio improved to 31.8%, below guidance, despite ongoing investments in human capital.

• Loan book is well-diversified, with 75% corporate and 25% retail; strong growth in both segments.

• Maintains a healthy liquidity profile, with LCR at 132.6% and NSFR at 119%.

Strategic initiatives and digital transformation

• Launched a five-year strategy focused on digital leadership, customer experience, and operational excellence.

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

• Significant digital achievements: 100% digital fulfillment for auto leases, 91% for credit cards, and a comprehensive redesign of digital platforms.

• Ongoing investments in technology and agile operating models to support innovation and scalability.

• Recognized as a fintech enabler and leader in open banking, with strong consumer adoption of digital services.