Revenue distribution by industry:

1. Banking and financial services: approx. 70%
2. Investment banking: approx. 20%
3. Asset management: approx. 10%

Top 3 markets and their percentage shares:

1. Saudi Arabia: approx. 85%
2. United Arab Emirates: approx. 10%
3. Kuwait: approx. 5%

The Saudi Investment Bank generates the majority of its revenue from traditional banking and financial services. The largest market is Saudi Arabia, as expected due to its local market presence and regulatory advantages. However, the bank has also built significant market share in neighboring Gulf countries, especially in the UAE and Kuwait.

Production: No physical production

The Saudi Investment Bank (SASE:1030) is a financial institution and does not produce physical products. As a bank, it offers financial services such as loans, deposits, asset management, and investment banking. Its "production" consists of providing these services, which are mainly offered in Saudi Arabia.

The bank operates from its headquarters and branches within the country and utilizes digital platforms to expand its services and reach customers.

Capital Increase: 20% (2024)
Digitalization Investments: 500 million SAR (2024)

The Saudi Investment Bank is pursuing a growth strategy that heavily relies on digitalization and technological innovation. In 2024, the bank carried out a capital increase of 20% to strengthen its financial base and enable investments in digital platforms.

A key component of the strategy is the investment of 500 million SAR in the digitalization of its services. This includes the development of new digital banking solutions and enhancing customer experience through technological advancements.

Additionally, the bank plans to expand its market presence through strategic partnerships and alliances both domestically and internationally to tap into new customer segments and enhance its competitiveness.

Unfortunately, specific information about the imported raw materials or materials of The Saudi Investment Bank (SASE:1030) is not directly available, as banks typically do not import raw materials or materials. Banks are financial institutions that primarily offer services in financial intermediation, such as lending, deposit management, and investment banking.

If the question pertains to the financing of raw material imports by the bank, it would be necessary to consult the bank's annual reports or specific financial documents to obtain information about the trade activities financed by the bank. These reports could provide indications of which sectors or industries are financed by the bank, but not directly related to the raw materials or materials being imported.

For detailed information on trade financing or specific investments of the bank in raw material projects, a direct inquiry to the bank or an analysis of their published financial reports would be required.

Return on Equity (ROE): 9.5% (2024)
Market share in the Saudi banking sector: about 4% (2024)
Credit growth: 8% (2024)

The Saudi Investment Bank (SASE:1030) has a moderate competitive advantage in the Saudi banking sector. The return on equity of 9.5% indicates that the company operates efficiently, but this figure is slightly below the industry average, suggesting room for improvement.

The market share of about 4% illustrates that the bank holds a significant but not dominating position in the market. This allows it to benefit from the overall market development, but it also faces strong competition.

The credit growth of 8% in 2024 shows that the bank is able to successfully expand its credit business, which is an indicator of solid demand for its services. This strengthens its position in the market, but strategic measures must continue to be taken to increase its competitive advantage, especially through innovation and digitalization.

Institutional Investor Share: 45% (estimated for 2025)

Insider Buys/Sells: No significant transactions in the last year

The institutional investor share in The Saudi Investment Bank is estimated to be around 45%. This demonstrates the confidence of institutional investors in the stability and growth potential of the bank.

There were no significant insider buys or sells in the last year, indicating a stable assessment of the company's value by management and insiders. Such transactions are often seen as indicators of the company's future performance, and the absence of major movements suggests a stable outlook.

Market share of The Saudi Investment Bank (SIB): Estimated 5% (2025)

Top competitors and their market shares:

1. Al Rajhi Bank: 20%
2. National Commercial Bank (NCB): 18%
3. Riyad Bank: 15%
4. Samba Financial Group: 12%
5. Banque Saudi Fransi: 10%
6. Saudi British Bank (SABB): 8%
7. Arab National Bank: 7%
8. The Saudi Investment Bank (SIB): 5%
9. Alinma Bank: 3%
10. Bank AlJazira: 2%

Moat of The Saudi Investment Bank:

The Saudi Investment Bank has a moderate moat, mainly attributed to its specialized financial services and strong regional presence. However, its competitive advantage is limited compared to larger banks like Al Rajhi Bank or NCB, which have more extensive networks and diversified services.

Larger banks such as Al Rajhi Bank and NCB have a significant moat due to their comprehensive market presence, strong brand recognition, and wider range of products. These factors allow them to reach a larger customer base and benefit from economies of scale.

In summary, while The Saudi Investment Bank has some competitive advantages, they are less pronounced compared to the leading banks in the Saudi market. The larger banks have a stronger moat due to their size and market positioning.

Return on Equity (ROE): 9.5% (2024) Total Assets: 120 billion SAR (2024) Net Interest Margin: 3.1% (2024)

In recent years, The Saudi Investment Bank has achieved a solid return on equity of 9.5%, indicating efficient use of its capital. The company's total assets amount to 120 billion SAR, pointing to a strong market position and a robust financial foundation.

The net interest margin of 3.1% shows that the bank is able to generate an attractive return from its interest operations, which is an important profitability indicator for banks. These metrics suggest that the bank is well positioned to benefit from economic growth and a stable financial position.

Additionally, the bank has invested in digital transformation and technological innovations in recent years to enhance its efficiency and attract new customers. This could lead to long-term improvements in operational efficiency and a stronger market presence.

Overall, The Saudi Investment Bank could present an attractive investment opportunity, especially for investors interested in a stable bank with growth potential.

Dividend Yield: 4.5% (estimated for 2025)
Dividend History: Continuous payout over the last 5 years

The Saudi Investment Bank has regularly distributed dividends in recent years, indicating a reliable dividend policy. The estimated dividend yield of 4.5% for 2025 shows that the company aims to provide its shareholders with an attractive return.

The stability of dividend payments is supported by the solid financial performance and strong capital base of the company. Analysts believe that the bank will also be able to continue its dividend policy in the coming years, provided that no significant economic or regulatory changes occur.