Investor Presentaiton
SNB Overview
SNB is Saudi Arabia's largest banking group with a well-diversified business model,
leading client offering, and presence in 8 countries
Our Purpose:
To propel our nation
towards Vision 2030
and beyond.
Our Performance
Deposits
Financing
SAR
Bn
596
SAR
Bn
Operating Income
SAR
Bn
Net Income¹
26.0
SAR
Bn
"
625
15.0
Our Presence
Saudi National Bank❘
Headquartered in Riyadh
477 branches
3,733 ATMs
101 Remitt. centers
8,607 Employees
Subsidiary
Samba Bank (Pakistan)
Advanced Digital Capabilities
Retail User Penetration
83%
Wholesale User Penetration
77%
Offices in
Shanghai & Seoul
Retail Sales
47 branches, 50 ATMs
988 Employees
68%
Retail Transactions
99%
Wholesale Transactions
99%
Retail Account Opening
93%
Wholesale Account Opening
77%
Cost of Risk
0.12%
SAMA LDR
78.2%
Total Assets
SAR
Bn
1,027
Cost/Income Ratio²
27.7%
T1 Capital Ratio
18.4%
Subsidiary
TFKB (Turkey)
306 branches
522 ATMs
3,923 Employees
Customers
Subsidiary
SNB Capital (KSA)
28 branches
388 Employees
Employees³
12.2mn
16,180
Wholesale Branches
Bahrain, UAE & Singapore
Market Cap
SAR
Bn
SNB | 3Q 2023 | Investor Presentation
POS market share (# of transactions)
19%
POS market share (value)
22%
SNB
Robust credit standing
Ratings
LT
ST
Outlook
S&P
A-
A-2
Stable
Fitch
A-
F2
Stable
Moody's (unsolicited)
A1
P-1
Positive
195.2
Capital Intelligence
A+
A1
Positive
Figures as of 3Q 2023, unless otherwise specified | 1 Net Income Attributable to Equity Holders | 2 Excludes amortization of intangibles |
3 Includes Alahli Esnad (2,274 employees) - fully owned subsidiary engaged in outsourcing and manpower services in KSA
4View entire presentation