The Saudi National Bank (1180) Investor presentation summary

Business overview and market position

• Largest banking group in Saudi Arabia with diversified operations and presence in 9 countries, leading in assets, operating income, and net income in KSA and ranking among the top 3 in the GCC region.

• Strong digital capabilities with high retail and wholesale digital penetration, and significant market shares across wholesale, retail, treasury, asset management, and brokerage segments.

• Robust credit ratings, with upgrades from Moody's and Capital Intelligence, and stable outlooks from major agencies.

Operating environment

• Supportive macroeconomic backdrop with stable oil prices, positive GDP growth, and controlled inflation in Saudi Arabia.

• Banking sector remains strong, with healthy lending growth, stable loan-to-deposit ratios, and resilient money supply.

Strategic priorities 2025–2027

• Focus on strengthening market share in retail and corporate, expanding into emerging segments, and enhancing fee income.

• Operational excellence through cost optimization, automation, and agile execution to improve efficiency.

• Customer centricity prioritized via improved NPS, centralized CX governance, and transformative customer journeys.

• Innovation driven by digital expansion, advanced analytics, and increased digital sales and customer acquisition.

• Talent magnet strategy with enhanced training, career progression, and targeted hiring, aiming for a 20% improvement in organizational health.

• Sustainability initiatives include ESG governance, sustainable finance frameworks, and green sukuk issuances.