RNCOS
Online Business Research
RNCOS
Online Business Research
Published by
RNCOS
© Saudi Arabia Banking Sector Analysis
Edition 1.0
All rights reserved. This publication is protected
by copyright. No part of it may be reproduced, stored
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permission of the publishers.
RNCOS
Online Business Research
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RNCOS
Online Business Research
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 ........................................................................................................