Banking Sector: 70%
Investment Banking: 20%
Asset Management: 10%

Saudi Arabia: 85%
United Arab Emirates: 10%
Kuwait: 5%

Banque Saudi Fransi generates the majority of its revenue from traditional banking, which accounts for about 70% of total revenue. This includes services such as loans, deposits, and payment transactions. Investment banking contributes about 20%, while asset management makes up the remaining 10%.

Geographically, Saudi Arabia is the bank's main market, accounting for 85% of total revenue. The United Arab Emirates and Kuwait follow with 10% and 5%, respectively. This distribution reflects the strong regional presence and focus on the domestic market.

Headquarters: Riyadh, Saudi Arabia

Banque Saudi Fransi is a bank and not a manufacturing company in the traditional sense. Therefore, it does not produce physical products. Instead, it offers a variety of financial services including personal and business loans, asset management, and investment banking.

The bank mainly operates in Saudi Arabia and provides its services through a network of branches and digital platforms.

Capital Increase: 10% (2024)

Digitalization Investments: 500 million SAR (2024)

Sustainability Initiatives: Introduction of green financial products (2024)

Banque Saudi Fransi is pursuing a growth strategy based on three main pillars: capital increase, digitalization, and sustainability. In 2024, the bank carried out a 10% capital increase to strengthen its financial base and support future investments.

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

Additionally, the bank places a strong emphasis on sustainability. In 2024, it began introducing green financial products to meet the growing demand for environmentally friendly investments and to strengthen its position as a responsible financial services provider.

Main Imported Raw Materials/Supplies: Paper, IT equipment, office supplies
Countries of Origin: USA, China, Germany

Banque Saudi Fransi is a financial institution and does not import raw materials in the traditional sense as manufacturing companies do. Instead, it sources materials and equipment necessary for the bank's operations. This includes primarily IT equipment and office supplies required for daily operations and the digitization of bank processes.

The USA and China are leading in the production of IT equipment, while Germany is known for high-quality office supplies. Therefore, these countries are the main suppliers for the materials needed by the bank.

Return on Equity (ROE): 12.5% (2024, estimate) Market share in the Saudi banking sector: approximately 8% (2024, estimate)

Banque Saudi Fransi has a moderate competitive advantage in the Saudi banking sector. The return on equity of 12.5% indicates efficient capital utilization, which is competitive compared to other banks in the market.

The company benefits from a strong brand presence and a diversified product portfolio that appeals to both retail and business customers. The strategic partnership with the Crédit Agricole Group also provides access to international expertise and technological resources.

However, the bank also faces challenges from intense competition in the Saudi financial sector, especially from larger banks with more extensive networks and digital offerings. To strengthen its competitive advantage, Banque Saudi Fransi could further expand its digital services and invest in innovative financial technologies.

Institutional Investor Share: approximately 60% (2025, estimated)

Insider Purchases/Sales: No significant transactions in the last quarter (2025, estimated)

The institutional investor share at Banque Saudi Fransi is estimated to be around 60%. This demonstrates a strong confidence from institutional investors in the long-term stability and growth potential of the bank.

No significant insider purchases or sales were reported in the last quarter. This could indicate that the management and other insiders are satisfied with the current valuation of the bank and do not expect any short-term changes.

Market share of Banque Saudi Fransi: Estimated at around 8% (2025)

Top competitors and their market shares:

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

Moat of Banque Saudi Fransi:

Banque Saudi Fransi has a moderate moat, mainly characterized by its strategic partnerships and strong presence in corporate banking. The bank benefits from its connection to Crédit Agricole, providing it access to international expertise and financial products.

In comparison to leading banks like Al Rajhi Bank and NCB, which have a broad customer base in retail banking and strong Islamic financial products, the moat of Banque Saudi Fransi is less pronounced. Al Rajhi Bank, in particular, holds a significant advantage due to its specialization in Islamic financial products and extensive branch network.

Overall, while Banque Saudi Fransi has some strengths, the leading competitors are better positioned in certain areas, giving them a stronger moat.

Return on Equity (ROE): 10.5% (2024)

Return on Assets (ROA): 1.8% (2024)

Credit Growth: 8% (2024)

Banque Saudi Fransi shows a solid return on equity of 10.5%, indicating efficient use of equity capital. The return on assets of 1.8% shows that the bank is able to generate profits from its total assets, which is viewed positively in the banking sector.

The credit growth of 8% in 2024 suggests that the bank was successful in expanding its lending, indicating strong demand and a healthy economy. This could further increase future revenues and profits.

Overall, Banque Saudi Fransi demonstrates stable fundamental indicators pointing to a healthy financial position and growth potential. This could make it an attractive investment, especially for investors interested in long-term growth.

Dividend Yield: 4.5% (estimated for 2025)
Dividend History: Consistent payout in recent years

Banque Saudi Fransi has regularly distributed dividends to its shareholders in recent years. The estimated dividend yield for 2025 is around 4.5%, which is competitive compared to other banks in the region.

The bank has a solid financial foundation and demonstrates a reliable dividend policy. This is supported by strong capitalization and a conservative risk policy. Therefore, investors can expect a stable dividend payment as long as there are no significant economic or regulatory changes.