Arab National Bank (1080) Investor presentation summary

Market position and business overview

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

• Maintains a well-diversified business model, serving over 2 million customers through 117 branches and 977 ATMs.

• Market capitalization exceeds SAR 43.1 billion, with high foreign ownership and robust credit ratings from Moody's, S&P, and Fitch.

• Recognized for innovation, digital strategy, and leadership in open banking, with awards for SME and corporate banking excellence.

Financial performance and key metrics

• Q1 2026 total assets reached SAR 285.9 billion (+7.4% YoY), with customer deposits at SAR 208.0 billion (+6.3% YoY).

• Net income for Q1 2026 was SAR 1.36 billion (+4.3% YoY), supported by operating income of SAR 2.59 billion (+3.1% YoY).

• ROAE stood at 11.29%, cost-to-income ratio at 33.29%, and NIM at 3.38%.

• Loan book is well-diversified, with corporate loans at SAR 146.7 billion and retail loans at SAR 51.9 billion.

• Asset quality remains strong, with NPL ratio at 0.94% and cost of risk at 0.32%.

Strategic direction and digital transformation

• Five-year strategy focuses on corporate, retail, private, treasury, and capital segments, aiming to be a top bank in KSA.

• Core growth initiatives include hyper-personalized digital banking, fintech partnerships, and advanced analytics.

• Digital banking achievements include exponential growth in digital onboarding and product fulfillment, with 90% of credit card activations digital.

• Launched new digital products and expanded digital payment capabilities for corporate and SME clients.