Investor Presentaiton
Operating Environment
Strong and stable banking sector
SNB
Overall Banking Industry Lending
& Deposits (Y/Y % change)
20.0
Overall Banking Industry Lending by
Sector (M/M% change)
Average Monthly Value of Gross Mortgage
Origination by All Banks (SARbn)
4.0
14,000
200.0
3.0
12,000
15.0
2.0
10,000
1.5
1.0
8,000
10.0
9.9
0.4
8.3
0.0
6,000
-1.0
4,000
5.0
-2.0
2,000
0.0
-3.0
0
Sep-19
Sep-20
Sep-21
Sep-22
Sep-23
Sep-21
Mar-22
Sep-22
Mar-23
Sep-23
2017
Total Lending
Total Deposits
Corporate Loans
Personal Loans
2020
Spaces
Allu
2023YTD¹
-% Y/Y (RHS)
0.0
-50.0
150.0
100.0
50.0
Overall Banking Industry Loan to Deposit
Ratio (%)
110.0
100.0
90.0
80.0
Annual Money Supply (% Y/Y change)
3M SAIBOR (% average)
14.0
7.0
103.6
12.0
6.0
- 5.8
10.0
5.0
8.0
4.0
6.0
3.0
4.0
2.0
79.7
2.0
1.0
0.0
0.0
2013 2015 2017 2019
2021 2023YTD¹
2013
2015
2017
2019 2021
9M 23
70.0
Sep-19
Sep-20
Sep-21
Sep-22
Sep-23
Regulatory LTD ratio
Headline LTD ratio
SNB 3Q 2023 | Investor Presentation
1 September-23 | Macro-economic Indicators Sources: SNB Economics, SAMA
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