KSA Banks Compendium

1H 2025

Saudi Arabia’s banking sector has experienced notable loan growth in recent years, primarily fueled by the country’s Vision 2030 economic diversification agenda. A significant portion of this growth is attributed to an increase in corporate lending, largely driven by major real estate and infrastructure developments. 

Retail lending has also seen substantial expansion, especially in the mortgage sector. This acceleration is supported by government initiatives to boost homeownership and by liquidity support from the Saudi Real Estate Refinance Company. Saudi banks are efficiently managed, with low cost-to income ratios and robust capital positions. They are also at the forefront of Basel IV implementation, allowing ample time to meet capital requirements. 

The Vitati360 KSA Banks Compendium provides a concise overview of Saudi banking regulations and includes one-page profiles for ten Saudi banks, detailing historical spreads, metrics, and key performance indicators (KPIs). (Banks covered: SNB, SAB, Alrajhi, RIBL, Alinma, Albilad, SAIB, BSF, BJAZ, ANB.)