Investor Presentation
KSA Banking Sector
Profile / Strategy / Sustainability / Environment / Financials / Appendix
The Saudi banking sector is attractively positioned for growth
Bank Credit (SARbn)
YoY
+13% CAGR
Bank Deposits (SARbn)
+8% CAGR
2,544
2,349
2,455
2,295
2,059
2,104
1,943
1,783
1,443
1,552
1,674
1,796
+8%
+15%
+16%
+14%
+8%
YOY
+7%
+8%
+8%
+9%
+7%
2018
2019
2020
2021
2022
3Q-23
2018
2019
2020
2021
2022
3Q-23
Capitalization (%)
Liquidity Metrics (%)
NPL Ratio (%)
20.3%
20.3%
19.9% 19.9%
102.3% 103.6%
19.3%
19.5%
97.9%
2.2%
91.7%
86.2% 86.4%
2.0%
18.7%
1.9%
1.9%
18.5%
1.8%
18.2% 18.4%
18.0%
1.6%
16.0%
22.3%
25.4% 26.8%
24.7% 22.8% 21.6%
Profitability (%)
13.8%
12.1%
12.5%
12.9%
10.8%
8.6%
2.1% 2.1%
1.5%
1.8%
2.1% 2.2%
2018
2019
2020 2021
2022
3Q-23
2018
CAR
T1 ratio
2019 2020 2021
Liquid to total assets
2022 3Q-23
Headline LDR
2018
2019
2020
2021
2022 3Q-23
2018 2019 2020
ROA
2021 2022 3Q-23
ROE
Riyad Bank - Investor Presentation - 30/09/23
Sources: SAMA, Bank financial statements
General Business
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