The Saudi National Bank (1180) Investor presentation summary

Business overview and market position

• Largest banking group in Saudi Arabia, with diversified operations across 9 countries and leading market share in assets, financing, and deposits.

• Strong digital capabilities with 88% retail and 71% wholesale user penetration, and 75% of retail sales conducted digitally.

• Ranked #1 in KSA for assets, financing, deposits, and operating income; among top 3 in the GCC.

• Maintains robust credit ratings and positive outlooks from S&P, Fitch, and Moody’s.

• Significant presence in retail, wholesale, treasury, asset management, and brokerage segments.

Operating environment

• Benefiting from a supportive macroeconomic environment in Saudi Arabia, with stable oil prices and positive non-oil GDP growth.

• Banking sector remains strong, with healthy lending growth and stable loan-to-deposit ratios.

• Mortgage origination and money supply continue to expand, supporting sector liquidity.

Strategy and operational update

• Strategic focus on revenue and profit leadership, digital innovation, customer service, and ESG.

• Growth targeted in wholesale, MSME, and retail segments, leveraging Vision 2030 opportunities.

• Emphasis on cost efficiency, automation, and enhanced customer experience.

• Launch of 'NEO' digital bank and new products for MSMEs.