Saudi Arabia Banking Sector Analysis - PDF - PDF

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					RNCOS
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RNCOS
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                                 © Saudi Arabia Banking Sector Analysis
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                                                               Table of Contents

1.  Analyst View.........................................................................................................................................7
2.  Economic Scenario .............................................................................................................................8
3.  Banking Structure & Overview.........................................................................................................10
4.  Key Performance Indicators through 2013 .....................................................................................12
  4.1     Loans Market Analysis ................................................................................................................12
    4.1.1       Loans by Maturity ................................................................................................................14
    4.1.2       Loans by Sector...................................................................................................................16
       4.1.2.1 Public Sector....................................................................................................................17
       4.1.2.2 Private Sector ..................................................................................................................18
    4.1.3       Loans by Business Activity ..................................................................................................19
       4.1.3.1 Building & Construction ...................................................................................................21
       4.1.3.2 Manufacturing & Processing............................................................................................23
       4.1.3.3 Commerce .......................................................................................................................25
       4.1.3.4 Transport & Communication............................................................................................26
       4.1.3.5 Miscellaneous ..................................................................................................................28
  4.2     Bank Deposits Analysis ...............................................................................................................29
    4.2.1       Deposits by Type .................................................................................................................31
       4.2.1.1 Demand Deposits ............................................................................................................32
       4.2.1.2 Time & Savings Deposits ................................................................................................33
    4.2.2       Deposits by Sector...............................................................................................................34
       4.2.2.1 Private Sector ..................................................................................................................35
       4.2.2.2 Public Sector....................................................................................................................36
  4.3     Profitability Analysis.....................................................................................................................37
  4.4     Payment System Analysis ...........................................................................................................38
    4.4.1       Bank Cards ..........................................................................................................................38
    4.4.2       ATMs & POS Terminals.......................................................................................................40
5. Emerging Growth Opportunities & Recent Developments ...........................................................42
  5.1     Real-estate Financing..................................................................................................................42
  5.2     Automobile Loans ........................................................................................................................43
  5.3     Islamic Credit Cards ....................................................................................................................44
  5.4     EMV Complaint Cards .................................................................................................................45
  5.5     Modern Banking Technology.......................................................................................................46
  5.6     Bancassurance ............................................................................................................................47
6. Key Players ........................................................................................................................................48
  6.1     National Commercial Bank ..........................................................................................................48
  6.2     Arab National Bank......................................................................................................................49
  6.3     Al Rajhi Bank ...............................................................................................................................50
  6.4     Riyad Bank ..................................................................................................................................51
  6.5     Saudi Hollandi Bank ....................................................................................................................52




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List of Figures:

Figure 2-1: Real GDP Growth (%), 2008-2010 .............................................................................................8
Figure 2-2: Per Head Disposable Income (US$), 2008-2012 .......................................................................9
Figure 3-1: Bank Assets (Billion Riyals), 2004-2013 ...................................................................................10
Figure 3-2: Bank Assets Structure (%), 2009..............................................................................................11
Figure 4-1: Bank Loans (Billion Riyals), 2004-2009 ....................................................................................13
Figure 4-2: Classification of Bank Loans by Maturity (%), 2009 .................................................................14
Figure 4-3: Bank Loans by Maturity (Billion Riyals), 2004-2009 .................................................................15
Figure 4-4: Classification of Bank Loans by Sector (%), 2009....................................................................16
Figure 4-5: Public Sector Bank Loans (Billion Riyals), 2004-2009..............................................................17
Figure 4-6: Private Sector Bank Loans (Billion Riyals), 2004-2009 ............................................................18
Figure 4-7: Bank Loans by Economic Activity (%), 2009 & 2013................................................................19
Figure 4-8: Building & Construction Loans (Billion Riyals), 2004-2013.......................................................21
Figure 4-9: Manufacturing & Processing Loans (Billion Riyals), 2004-2013 ...............................................23
Figure 4-10: Commerce Loans (Billion Riyals), 2004-2013 ........................................................................25
Figure 4-11: Transport & Communication Loans (Billion Riyals), 2004-2013 .............................................27
Figure 4-12: Bank Deposits (Billion Riyals), 2004-2013..............................................................................29
Figure 4-13: Bank Deposits by Currency (%), 2009....................................................................................30
Figure 4-14: Bank Deposits by Type (%), 2009 & 2013 ..............................................................................31
Figure 4-15: Demand Deposits (Billion Riyals), 2004-2013 ........................................................................32
Figure 4-16: Time & Savings Deposits (Billion Riyals), 2004-2013.............................................................33
Figure 4-17: Bank Deposits by Sector (%), 2009 & 2013 ...........................................................................34
Figure 4-18: Private Sector Bank Deposits (Billion Riyal
				
DOCUMENT INFO
Description: Saudi Arabia has one of the largest and fastest growing banking markets in the Middle East. In terms of banking assets, the country ranks second in the region after the UAE. The sector is highly capitalized, well regulated and more profitable in the region. Despite the heavy slowdown in the economy, the banking sector continued to post healthy growth rate in the recent years. As per our estimations, the banking assets are forecasted to grow at a CAGR of around 18% during 2010-2013. Weathering the global financial crisis well, banks in Saudi Arabia continued to expand their lending activities. Bank loans grew at a CAGR of over 17%, while deposits posted a CAGR of over 16% during 2004-2009. The private sector dominates the Kingdom’s banking sector and accounts for the bulk of credit extended as well as deposits received, says a new report “Saudi Arabia Banking Sector Analysis’ by RNCOS, a leading market research firm. Moreover, the Saudi Arabian banking sector has also witnessed a notable expansion in the modern banking technologies, including Internet banking and phone banking services. They have enabled the banks to provide a well integrated and modern range of high-tech banking services. The banks are also modernizing their payment card technology and shifting towards smart card technology to offer more secure and advanced featured card to consumers. The report “Saudi Arabia Banking Sector Analysis” is an outcome of extensive research and detailed study of the Saudi Arabian banking sector. In this report, all the important performance indicators of the Saudi Arabian banking sector have been comprehensively discussed. Most importantly, it also features forecast for each of the key banking segment to provide better understanding of the banking sector in the country. The report analyzes the trend of macroeconomic factors critical to the banking sector and their impact on the sector. It has also identified key players in the market and contained th
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RNCOS is a leading market research and information analysis company with a global presence. We focus on delivering high quality research services to business professionals, organizations and individuals, thus supporting in maximizing success from the current industry information. We bring first-hand information and prudent analysis on various industries, technologies, economic and non-economic market parameters, potential markets, and key competitors in the industry and give rational forecast on market trends to help clients identify prospective growth areas and gain competitive edge.