3Q 2023 Financial Performance
STRATEGY | STRATEGIC PILLARS
Strategic initiatives are built on our core business strengths and
opportunities
Strategic Goals
Wholesale Banking
Personal Banking
Private Banking
Saudi Fransi Leasing
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البنك
السعودي
الفرنسي
Banque
Saudi
Fransi
Saudi Fransi Capital
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Strengths
Opportunities
▷ Strong corporate relationships
▷ Corporate & project finance
DNA
▷ X-sell, strong value proposition
▷ Vision 2030 opportunities
▷ Address imbalance in market
leadership level in coverage
(e.g. FIG) & product (e.g. GTS)
▷ Strengthen position as a
premier wholesale bank
Objectives
▷ Boost fee income, expand
offerings to Fls
Focused Initiatives
GTS revamp
Expand FIG&MNC coverage
Solid positioning & strong
brand in affluent segment
▷ Deep knowledge of affluent
clients' needs
▷ Become bank of choice in
affluent
▷ Optimize mass retail to
enhance margins
▷ Improved segmentation for
affluent customers
▷ Serving of non-affluent
through streamlined channels
Scale up affluent
Provide superior daily banking
▷ Leading market position
▷ Strong front-line staff
▷ Regulatory advantage in non-
bank personal finance market
▷ Legacy strength in auto
finance
▷ Organic market growth
▷ Multi-family office &
geographic expansion of
investment opportunities
▷ Enhanced product portfolio
▷ Distinctive experience rewards
system
Broaden product suite
Experience-centric rewards
▷ PF, home loans, micro finance
▷ Underpenetrated market
▷ Digitalization
Broaden product range
▷ Rebranding
▷ Expand to new segments
Digital channels acceleration
Product diversification
Brand repositioning
▷ Technical talent
▷ Proved excellence and trust
▷ Growth of capital markets
▷ Traditionally managed as a
silo: opportunity to leverage
with affluent & PB
▷ Focus on collaboration to
provide unified suite of wealth
management with PBG
▷ Capitalize on Vision 2023
activities in construction sector
Synergize wealth management
Broaden advisory mandate
Attractive investment solutions
Strategic Enablers
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Wholesale, Private & Personal Banking and Saudi Fransi Leasing initiatives are continuation of existing Strategy with refinement on the scope, objectives and
initiatives for 2023 Strategy Refocus | Saudi Fransi Capital initiatives are new ones that have been defined as part of the 2023 Strategy Refocus exercise
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