3Q 2023 Financial Performance
OPERATING ENVIRONMENT | KSA BANKING SECTOR
The Saudi banking sector is well positioned for both resiliency and growth
البنك
السعودي
الفرنسي
Banque
Saudi
Fransi
Bank Credit (SAR Bn)
2,520
Capitalization: T1|CAR (%)
18.5% 20.1%
NPL Ratio (%)
1.7%
+12%
20.3%
19.9%
19.9%
20.1%
19.4%
2,349
2,520
2,059
1,783
1,443
1,552
2.2%
1.9%
1.9%
1.8%
18.7%
18.1%
18.2%
18.4%
18.5%
1.7%
о
+7%
YTD
2018
2019
2020
2021
2022
Aug-23
2019
2020
2021
2022
2Q 23
2019
2020
2021
2022
2Q 23
-0-CAR
-O-T1 Ratio
Bank Deposits (SAR Bn)
2,466
+9%
Liquid Assets To Total Assets (%)
22.6%
Profitability: ROE|ROA (%)
12.7% 2.2%
25.4%
26.8%
24.7%
2,466
22.8%
22.6%
12.5%
12.7%
2,295
11.9%
1,674
1,796
1,943
2,104
10.8%
8.6%
+7%
YTD
1.8%
1.2%
1.8%
2.1%
2.2%
2018
2019
2020
2021
2022
Aug-23
2019
2020
2021
2022
2Q 23
2019
2020
2021
2022
1H 23
-0- ROA
-0- ROE
Source: SAMA
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