Investor Presentaiton
We aim to grow market share, increase fee income and improve efficiency to drive higher ROTE
Grow Market Share in Corporate Loans
Corporate KSA Market Share
4.2%
4.2%
2022A
1H 23A 2027E
Improve Funding Costs
NIBD Share of Deposits
45%
37%
2022A
3Q 23A
2027E
Grow Market Share in Retail Loans
Retail KSA Market Share
1.0%
1.0%
2022A
1H 23A
2027E
Improve Efficiency
Cost / Income Ratio
44%
42%
2022A
9M 23A
2027E
SAIB has already started to close the gap
towards KSA peers' return on equity
Return on Tangible Equity
1.0%
7.0%
6.9%
9.9%
12.2%
2019
2020
2021
2022
9M 23
2027
Target
The Saudi Investment Bank - 2Q 2023 Investor Presentationn
Return on Tangible Equity is calculated using net income attributable to shareholders in the numerator, after deducting Tier 1 Sukuk costs | 2027 targets are indicative and not to scale
P. 22View entire presentation