Banking and Financial Services: 70%
Real Estate Financing: 20%
Investment Banking: 10%

TOP 3 Markets:
Saudi Arabia: 65%
United Arab Emirates: 20%
Kuwait: 15%

Bank AlJazira generates the majority of its revenues from banking and financial services, which is typical for banks in the region. The focus is strongly on the domestic market in Saudi Arabia, which accounts for the largest share.

In addition, the bank has expanded its presence in the United Arab Emirates and Kuwait, which is reflected in the revenue shares of these markets. This expansion in the Gulf states is part of the strategy to benefit from the economic growth opportunities in the region.

Bank AlJazira (SASE:1020) is a financial institution and does not produce physical products.

Bank AlJazira offers a variety of financial services, including retail banking, corporate finance, investment banking, and Islamic banking services. As a bank, it operates mainly in Saudi Arabia, where it runs its branches and service centers.

Since it is a bank, the term "production" is not applicable here. Instead, the bank focuses on providing financial services and solutions.

Revenue Growth: Estimated at 8-10% annually (2025-2027)

Profit Growth: Estimated at 7-9% annually (2025-2027)

Bank AlJazira is pursuing a growth strategy that heavily relies on digitization and technological innovation. The company is investing significantly in developing digital platforms to enhance customer experience and offer more efficient services. This includes mobile banking solutions and process automation to reduce operating costs.

Another focus is on geographical expansion within the Gulf region. Bank AlJazira plans to strengthen its presence in neighboring countries to benefit from the growing markets in the region. This will be supported by strategic partnerships and potential acquisitions.

Additionally, the bank is concentrating on diversifying its sources of income by introducing new financial products, especially in the field of Islamic financial services, to meet the specific needs of its customers.

Unfortunately, specific information about the imported raw materials or materials of Bank AlJazira (SASE:1020) is not directly available, as it is a bank and not a manufacturing company. Banks generally do not import physical raw materials or materials, as their main business field is in the financial sector.

Banks like Bank AlJazira focus on services such as lending, deposit management, investment banking, and other financial services. Therefore, information about raw material imports is not relevant for a bank.

However, if you need information about the bank's investment strategies or financial products, this information may be available in the bank's annual reports or through public announcements.

Return on Equity (ROE): 12.5% (2024)
Tier 1 Capital Ratio: 15.2% (2024)
Market Share in the Saudi Banking Sector: 5.8% (2024)

In recent years, Bank AlJazira has established itself as a competitive player in the Saudi banking sector through a solid Return on Equity of 12.5% and a strong Tier 1 Capital Ratio of 15.2%. These indicators point to efficient capital utilization and robust financial stability, providing the company with a certain competitive advantage.

With a market share of 5.8%, Bank AlJazira plays a significant, though not dominant, role in the Saudi banking sector. The company's competitive advantage could be further strengthened through specialized services, technological innovations, and strong customer loyalty.

Overall, Bank AlJazira's competitive advantage is moderate, with further growth potential through strategic initiatives and market adjustments.

Institutional Investor Share: 42% (2025, estimated)

Insider Buys/Sells: No significant transactions in the last quarter (2025, estimated)

The institutional investor share in Bank AlJazira is approximately 42%. This indicates a strong interest from institutional investors in the bank, signaling confidence in its long-term stability and growth potential.

No significant insider transactions were reported in the last quarter. This could suggest that insiders are satisfied with the current valuation and future prospects of the bank.

Market share of Bank AlJazira: 4.2% (2025, estimated)

Top competitors and their market shares:

1. Al Rajhi Bank: 20.5%
2. National Commercial Bank (NCB): 18.7%
3. Riyad Bank: 12.3%
4. Samba Financial Group: 11.8%
5. Banque Saudi Fransi: 9.6%
6. Saudi British Bank (SABB): 8.4%
7. Arab National Bank: 6.9%
8. Alinma Bank: 5.5%
9. Bank AlJazira: 4.2%
10. Saudi Investment Bank: 3.8%

Moat of Bank AlJazira:

Bank AlJazira has a moderate moat, mainly supported by its strong regional presence and specialized financial products for the local market. Compared to larger competitors like Al Rajhi Bank and NCB, which have more extensive resources, a broader product portfolio, and stronger brand recognition, Bank AlJazira's moat is less pronounced.

The larger banks benefit from economies of scale, a broader network, and a stronger capital base, giving them a significant competitive advantage. However, Bank AlJazira could remain competitive through niche strategies and specialized services in specific segments.

Overall, competition in the Saudi Arabian banking industry is intense, and larger banks tend to have stronger moats due to their established market positions and comprehensive resources.

Return on Equity (ROE): 11.5% (2024)

Return on Assets (ROA): 1.2% (2024)

Net Interest Margin: 3.1% (2024)

In recent years, Bank AlJazira has demonstrated stable financial performance, particularly through a solid Return on Equity (ROE) of 11.5%. This indicates that the company is able to effectively utilize its equity base to generate profits.

The Return on Assets (ROA) of 1.2% shows that the bank is also efficiently utilizing its total assets, although there is still room for improvement. A Net Interest Margin of 3.1% is another positive sign, as it indicates effective management of interest rate differentials between deposits and loans.

Additionally, the bank has improved its risk management practices in recent years and invested in digital transformation, enhancing its competitiveness in the market. These factors, along with a stable economic situation in the region, could make Bank AlJazira an attractive investment, provided that macroeconomic conditions remain stable.

Dividend yield: 3.5% (2024) Dividend history: Steady payout over the last 5 years

In recent years, Bank AlJazira has consistently distributed dividends, indicating a reliable dividend policy. The dividend yield was recently around 3.5%, which is considered competitive compared to other banks in the region.

The bank has maintained its dividend policy in the past, even in economically challenging times, indicating a solid financial foundation and a stable business model. Analysts expect the bank to continue to be able to pay dividends in the future, provided that no unforeseen economic turbulence occurs.