Banking and Financial Services: 70%
Investment Banking: 20%
Asset Management: 10%

TOP 3 Markets:
Saudi Arabia: 60%
United Arab Emirates: 20%
Qatar: 10%

The Saudi National Bank generates the majority of its revenue from traditional banking and financial services, accounting for approximately 70% of total revenue. This includes retail and corporate banking, lending, and deposits.

Investment banking contributes 20% to revenue, with services such as corporate finance and capital market transactions in focus. Asset management, focusing on managing client portfolios, accounts for the remaining 10%.

Geographically, the domestic market of Saudi Arabia is the largest, followed by the United Arab Emirates and Qatar, which together make up the majority of international revenue.

Production: No physical production

The Saudi National Bank (SNB) is a financial institution and does not produce physical products. As a bank, it offers financial services, including account management, lending, asset management, and investment banking. Therefore, its "products" are immaterial and include financial solutions and services that are mainly offered in Saudi Arabia.

Current Growth Strategy: Diversification and International Expansion (2025)

The Saudi National Bank is pursuing a strategy of diversifying its services and increasing international expansion. This includes expanding its offerings in the digital banking services sector to meet the growing demand for online financial solutions.

Another focus is on tapping into new markets in the Middle East and North Africa. This expansion is supported by strategic partnerships and acquisitions to strengthen market presence and attract new customers.

Additionally, the bank is investing in sustainable financing projects to meet the requirements of ESG criteria (Environmental, Social, and Corporate Governance) and attract new investors. This reflects the global trend towards sustainable investments.

Main Imported Raw Materials/Materials: Financial services and capital

Countries of Origin: USA, United Arab Emirates, United Kingdom

The Saudi National Bank (SNB) as a financial institution does not import raw materials or physical materials in the traditional sense. Instead, it sources financial services, capital, and technological solutions from international markets.

The USA, the United Arab Emirates, and the United Kingdom are significant partners as they have advanced financial markets and technologies that are of interest to the SNB. These countries provide access to capital markets, financial innovations, and regulatory frameworks that are crucial for the bank's international expansion and operations.

Additionally, partnerships with international financial institutions and investments in foreign markets could be considered a form of "importing" financial services.

Market share: 30% (estimated 2025)
Return on Equity (ROE): 14% (2024)
Cost-Income Ratio: 35% (2024)

The Saudi National Bank (SNB) is one of the largest banks in Saudi Arabia and holds a significant market share of about 30% in the Saudi banking sector. This gives it a considerable competitive advantage as it benefits from economies of scale and a broad customer base.

With a return on equity of 14% in 2024, SNB demonstrates strong profitability, indicating efficient capital utilization and solid earnings power. The low cost-income ratio of 35% further highlights the bank's operational efficiency, making it more competitive compared to many international peers.

Moreover, the strategic positioning in the Middle East and the support from the Saudi government strengthen SNB's market position. These factors combined give the Saudi National Bank a robust competitive edge in the region.

Institutional investor share: 65% (estimated for 2025)

Insider purchases/sales: No significant transactions in the last quarter (2025)

The institutional investor share in Saudi National Bank is estimated to be 65%, indicating the interest of large financial institutions in the bank. These investors typically appreciate the stability and growth potential of the bank.

In the last quarter of 2025, there were no significant insider purchases or sales, indicating a stable confidence of the management in the bank's future development. Such insider activities are often seen as an indicator of the management's assessment of the company's future performance.

Market share of Saudi National Bank: 25% (estimated, 2025)

Main competitors and their market shares:

1. Al Rajhi Bank: 20%
2. Riyad Bank: 15%
3. Saudi British Bank (SABB): 12%
4. Banque Saudi Fransi: 10%
5. Arab National Bank: 8%

Moat of Saudi National Bank:

The Saudi National Bank (SNB) has a significant moat characterized by its strong market position, extensive customer base, and strategic partnerships. Its merger with Samba Financial Group has significantly expanded its market presence and range of offerings, leading to a competitive advantage.

Compared to its competitors, SNB benefits from a larger capital base and a broader network, strengthening its ability to lend and develop new financial products. However, Al Rajhi Bank, as the largest Islamic financial institution, offers a strong competitive advantage in Islamic banking.

Overall, SNB has a solid moat, but they must continuously invest in technology and customer service to maintain their leading position and compete against the growing competition.

Return on Equity (ROE): 14.8% (2024) Net interest margin: 3.2% (2024) Loan growth: 8.5% (2024)

The Saudi National Bank has achieved a solid return on equity of 14.8% in recent years, indicating efficient use of its capital. This is a strong sign of the company's profitability.

The net interest margin of 3.2% shows that the bank is able to generate a healthy profit from its interest operations. This ratio is particularly important in the banking sector as it represents the difference between interest income and interest expenses.

The loan growth of 8.5% suggests that the bank is successfully granting new loans and expanding its business. This may indicate strong demand for loans and a healthy economic environment.

Overall, the Saudi National Bank shows solid fundamental indicators that point to a good investment opportunity, especially when considering the strong return on equity and loan growth. However, a potential investor should also consider macroeconomic factors and geopolitical risks in the region.

Dividend yield: 3.5% (2025, estimated)
Dividend history: Regular payouts in the last 5 years

The Saudi National Bank has pursued a consistent dividend policy in recent years, making it a reliable source of dividend income. The estimated dividend yield of 3.5% in 2025 suggests that the company continues to be able to offer attractive payouts to its shareholders.

The bank has achieved stable profits in recent years, providing the foundation for continuous dividend payments. Given the bank's strong financial position and solid capital base, it is likely that it will continue to pay dividends in the future.