Investor Presentaiton
L&A growth remain strong led by recovery in consumer
spending while deposit mobilization slows down
Improved
Stable
Worsened
Total Loans and Advances (L&A)
(SAR Bn)
12.8%
14.2% 1,938
11.6%
1,697
1,505
1,348
2018
2019
2020
2021
Total Deposits
(SAR Bn)
10.5%
9.2%
7.2% 2,117
1,975
1,809
1,636
Loan-to-Deposit Ratio
(%, Yearly)
86.0%
82.4%
83.2%
91.5%
A
KEY TAKEAWAYS
Aggregate L&A grew 14.2% YoY, as all
the top ten banks reported a growth in
L&A
■ ALRAJHI (+43.4% YoY) reported the
highest increase in L&A, supported
by strong increase in retail loans
(+45.9%), corporate loans (+33.0%)
and SME loans (+60.6%)
SNB reported 43.0% YoY growth in
L&A supported by strong retail
financing growth
⚫ Deposits increased by 7.2% YoY, led by
strong growth from SNB (41.0%) and
ALRAJHI (+33.8%)
Consequentially, aggregate LDR rose
to 91.5% from 86.0%
2018
2019
2020
2021
2018
2019
2020
2021
Source: Financial statements, investor presentations, A&M analysis
5
ALVAREZ & MARSALView entire presentation