Investor Presentation
Deposits
Profile / Strategy / Sustainability / Environment / Financials / Appendix
Customer deposits grew by 6% YTD from interest bearing deposits.
Customer deposits amounted to SAR 254.7 bn as of 30
September 2023, an increase of 6% YTD.
NIBD % of Total (%)
Total Customers' Deposits (SARbn)
+6%
61.9% -
Interest bearing deposits increased by 23% during 9 months of
2023 in the rising interest rate environment.
◆ 59.4%
◆ 57.3%
♦ 55.6%
240.0
53.1%
Non interest bearing deposits, on the contrary, decreased by
5% YTD, which is reflected in the drop of the NIBD share in the
total deposits reaching 53.1% as of 30 September 2023.
Customer deposits decreased by -6% QoQ mainly from non
interest bearing deposits due to the rates pressure as well as a
decline of some large government-related transitory balances.
Total Customers' Deposits Movement YTD
(SARbn)
240.0
(8.0)
+6%
97.4
272.3
120.9
254.7
119.3
135.4
142.6
151.3
-6%
QoQ
3Q 22
4Q 22
1Q 23
2Q 23
3Q 23
4Q-22
2Q-23
3Q-23
■NIBDS
■IBDs
Interest Bearing Deposits (SARbn)
21.8
0.2
254.7
97.4
0.7
89.9
1.3
1.3
+23%
Non Interest Bearing Deposits (SARbn)
-5%
151.3
+13%
109.9
1.4
120.9
119.3
146.0
142.6
1.4
1.4
22.3
19.3
119.5
117.9
EFF
108.5
+10%
-1%
147.4
20.5
135.4
26.6
20.0
123.7
123.4
126.9
124.7
115.4
88.6
96.1
-6%
+4%
4Q-22 Demand Others
+23%
Time
+13%
Savings
QoQ
+8%
3Q-23
3Q-22
4Q-22
Riyad Bank - Investor Presentation - 30/09/23
Time
1Q-23
2Q-23
■Savings
QoQ
-2%
+3%
+3%
-11%
3Q-23
3Q-22
4Q-22
Demand
1Q-23
2Q-23
Others
3Q-23
General Business
29View entire presentation