Arab National Bank (1080) Investor presentation summary

Market position and operating environment

• Holds a leading position in Saudi Arabia, with over 46 years of experience and a branch in London, serving more than 2 million customers and maintaining strong capitalization and credit ratings.

• Benefits from Saudi Arabia’s robust economic growth, diversification under Vision 2030, and a young, urbanized population driving demand for financial services.

• The national banking sector is expanding, with double-digit asset growth, strong deposit inflows, and increasing digitalization and fintech adoption.

Business model and financial performance

• Operates a diversified business model across retail, corporate, treasury, and investment segments, generating resilient revenues and maintaining best-in-class efficiency.

• Total assets reached 280.5 bln SAR, loans 191.4 bln SAR, and deposits 210.7 bln SAR, with net income up 6.9% YoY to 1.33 bln SAR in Q3 2025.

• Maintains a cost-to-income ratio of 32.7%, ROAE of 12.32%, and NPL ratio of 0.93%, supported by robust capital and liquidity ratios.

Strategic direction and digital transformation

• Pursues a five-year strategy focused on digital leadership, customer-centric solutions, and expanding in key growth sectors such as SMEs, fintech, and affluent banking.

• Launched a new digital strategy, achieving exponential growth in digital banking, 100% digital fulfillment for auto leases, and significant digital engagement initiatives.

• Invests in advanced analytics, AI-powered relationship management, and fintech partnerships to drive innovation and operational agility.