Investor Presentaiton
The Saudi Banking sector is profitable and showing solid growth momentum, though liquidity
is tighter amidst higher rate environment
Bank Credit (SARbn)
Bank Deposits (SARbn)
Profitability (%)
ROE
-ROA
12.9% ROE
+12% CAGR
+8% CAGR
2,349
2,411
2,059
2,104
2,295 2,401
13.9%
1,783
1,443 1,552
1,674
1,796
1,943
12.5%
11.9%
12.9%
10.8%
2018 2019 2020 2021 2022
2Q 23
2018
2019 2020
2021 2022 2Q 23
8.6%
Capitalization (%)
CAR -- T1 Ratio
Liquidity (%)
Headline LTD
1.8%
1.8%
2.1%
Liquid assets to total assets
2.1% a
1.2%
2.2%
20.3%
20.3%
19.9% 19.9%
19.4%
20.0%
86.4%
91.7%
97.9%
102.3%
2018 2019
100.4%
2020 2021 2022
1H 23
86.2%
18.5%
18.4%
18.7%
25.4% 26.8% 24.7% 22.8%
NPL Ratio (%)
18.1%
18.2% 18.4%
22.3% o
23.4%
1.9%
2.2% 1.9% 1.8%
2.0%
1.7%
2018 2019 2020 2021 2022 2Q 23
2018 2019 2020 2021 2022 2Q 23
2018 2019
2020 2021
2022
2Q 23
The Saudi Investment Bank - 2Q 2023 Investor Presentationn
Source: SAMA
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