FY20/21 Investor Presentation
Banking Sector Highlights | Growth in mortgage lending continues to drive credit growth
Recent Developments
SAMA LDR (%) & Bank Loans and Deposits (SARbn)
80.1%
77.4%
77.1%
79.5%
.
Strong loan growth was recorded in 2021 supported by mortgages with
healthy LDR well below the regulatory minimum
75.0%
•
Consumer spending recovered with continuous migration to cashless
payment methods
1,943
2,059 2,104
1,633
1,674
1,796
1,783
1,405
1,443
1,552
•
Deferral Payment Program extended for additional three months till
March 31, 2022 for MSME that are still affected by Covid-19
2017
2018
I Loans to private & public sectors
Source: SAMA
2019
2020
Total Deposits
2021
SAMA LDR
Retail Mortgage (SARbn)
POS/ATM & E-Commerce (SARbn)
1,130
1,039
981
1,025
74
59.2%
41.4%
41.4%
15.3%
9.9%
929
10
39
232
288
200
357
473
446
315
729
748
741
629
582
198
121
140
2017
2018
2019
2020
2021
2017
YoY Growth (%)
2018
ATM withdrawls
2019
2020
2021
POS spending
■E-Commerce Spending*
Retail Mortgage loans (SARbn)
Source: SAMA
FY2021
Investor Presentation
26
Source: SAMA
* E-Commerce started in 2019
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