Saudi Arabia Banking Sector Outlook 2015

June 2012 | 65 pages | ID: S534728B279EN
RNCOS E-Services Pvt. Ltd.

Abstracts

Saudi Arabia is one of the world's fastest growing banking markets. According to our new research report, commercial banks operating in the Kingdom are likely to be more efficient in near future on back of technological developments, and favorable government policies. Despite the Euro zone crisis, the Saudi Arabian banking industry registered an impressive growth, and it is estimated that the lending will grow at a compound annual rate of around 10% during 2012-2015 in the Kingdom due to liquidity and capitalization.

Our comprehensive study, “Saudi Arabia Banking Sector Outlook 2015”, found that despite adverse economic conditions, the Saudi Arabian banks continued to expand their lending activities. We observed that in Saudi Arabia, the banking sector is largely dominated by corporate banking, but the retail segment is yet to take off. In the past few years, consumer loans, which earlier accounted for only less than a quarter of the total banking market, have shown a significant growth. Forecasts for key banking segments, like loans, and deposits, have also been presented which will help clients know the direction in which the Saudi Arabian banking sector is likely to proceed in the coming years.

Our report also studied how infrastructure development, growing automobile sector, and modern technologies are helping the industry reach new heights. The in-depth research revealed that people nowadays use credit cards, and other banking facilities. Moreover, most of the banks have started offering the Islamic banking facilities to the religious people. The study also analyzed the payment system, and extensively covered the performance and status of bank cards, ATMs, POS terminals and branches. For the complete understanding of the market, the report identified the key players, and included an overview of their business activities. We are hopeful that the information and analyses provided in the report will prove vital to the clients.

Contents

1. ANALYST VIEW

2. RESEARCH METHODOLOGY

3. ECONOMIC SCENARIO

4. BANKING STRUCTURE & OVERVIEW

5. KEY PERFORMANCE INDICATORS THROUGH 2015

5.1 Bank Loans Analysis
  5.1.1 Loans by Maturity
  5.1.2 Loans by Sector
    5.1.2.1 Public Sector
    5.1.2.2 Private Sector
  5.1.3 Private Sector Loans by Economic Activity
    5.1.3.1 Building & Construction
    5.1.3.2 Manufacturing & Processing
    5.1.3.3 Commerce
    5.1.3.4 Transport & Communication
5.2 Bank Deposits Analysis
  5.2.1 Deposits by Type
    5.2.1.1 Demand Deposits
    5.2.1.2 Time & Savings Deposits
  5.2.2 Deposits by Sector
    5.2.2.1 Private Sector
    5.2.2.2 Public Sector
5.3 Profitability Analysis
5.4 Payment System Analysis
  5.4.1 Bank Cards
  5.4.2 ATMs
  5.4.3 POS Terminals

6. INDUSTRY TRENDS & DRIVERS

6.1 Infrastructural Developments to Drive Real-Estate Financing
6.2 Passenger Cars to Drive Auto Loans
6.3 Increasing Adoption of EMV Complaint Cards
6.4 Modern Banking Technology
6.5 Bancassurance: To Act as a Catalyst for Banking Industry
6.6 Sukuk Propels Islamic Banking

7. GOVERNMENT INITIATIVES

8. HUMAN RESOURCE SCENARIO

9. KEY PLAYERS

9.1 Samba Financial Group
9.2 Al Rajhi Bank
9.3 Riyad Bank
9.4 Saudi Hollandi Bank
9.5 Saudi British Bank

List Of Figures

LIST OF FIGURES:

Figure 3-1: Real GDP Growth (%), 2010-2015
Figure 3-2: Per Head Disposable Income (US$), 2010-2015
Figure 3-3: Lending Interest Rate (%), 2010-2015
Figure 3-4: FDI Inflow (Billion US$), 2010-2015
Figure 3-5: Consumer Price Inflation (%), 2010-2015
Figure 4-1: Number of Bank Branches (2008-2011)
Figure 4-2: Bank Assets (Trillion SAR), 2010-2015
Figure 4-3: Bank Assets Structure (%), 2011
Figure 5-1: Bank Loans (Billion SAR), 2010-2015
Figure 5-2: Classification of Bank Loans by Maturity (%), 2011
Figure 5-3: Bank Loans by Maturity (Billion Riyals), 2008-2011
Figure 5-4: Classification of Bank Loans by Sector (%), 2011
Figure 5-5: Bank Loans to Public Sector (Billion SAR), 2010-2015
Figure 5-6: Bank Loans to Private Sector (Billion SAR), 2010-2015
Figure 5-7: Bank Loans to Private Sector by Economic Activity (%), 2011
Figure 5-8: Building & Construction Loans (Billion SAR), 2008-2011
Figure 5-9: Manufacturing & Processing Loans (Billion SAR), 2008-2011
Figure 5-10: Commerce Loans (Billion SAR), 2008-2011
Figure 5-11: Transport & Communication Loans (Billion SAR), 2008-2011
Figure 5-12: Bank Deposits by Currency (%), 2011
Figure 5-13: Bank Deposits (Billion SAR), 2010-2015
Figure 5-14: Bank Deposits by Type (%), 2011
Figure 5-15: Forecast for Bank Deposits by Type (%), 2015
Figure 5-16: Demand Deposits (Billion SAR), 2010-2015
Figure 5-17: Time & Savings Deposits (Billion SAR), 2010-2015
Figure 5-18: Bank Deposits by Sector (%), 2011
Figure 5-19: Bank Deposits by Private Sector (Billion SAR), 2010-2015
Figure 5-20: Bank Deposits by Public Sector (Billion SAR), 2010-2015
Figure 5-21: Net Profit of Commercial Banks (Billion SAR), 2008-2011
Figure 5-22: Number of Bank Cards (Million), 2008-2011
Figure 5-23: Number of ATMs (2008-2011)
Figure 5-24: Number of POS Terminals (‘000), 2008-2011
Figure 6-1: Real-estate Finance (Billion SAR), 2008-2010
Figure 6-2: Motor Vehicles and Equipment Loans (Billion SAR), 2008-2010
Figure 6-3: Number of Mobile Subscribers (Million), 2010-2015
Figure 6-4: Number of Internet Users (Million), 2010-2015
Figure 6-5: Sukuk Market (Billion US$), 2008-2011
List of Table:
Table 4-1: Top 10 Banks by Number of Branches (2008-2011)
Table 5-1: Top 10 Banks by Number of ATMs (2008-2011)
Table 5-2: Top 10 Banks by Number of POS Terminals (2008-2011)
Table 9-1: Samba Financial Group - Key Financial Ratios (2008-2011)
Table 9-2: Al Rajhi Bank - Key Financial Ratios (2008-2011)
Table 9-3: Riyad Bank - Key Financial Ratios (2008-2011)
Table 9-4: Saudi Hollandi Bank - Key Financial Ratios (2008-2011)
Table 9-5: Saudi British Bank - Key Financial Ratios (2008-2011)