investment-case-wc

Investment Case

Riyad Bank is accelerating growth with innovation, financial strength, and a clear vision for the future. As a key player in Saudi Arabia’s economic transformation, the Bank is expanding its reach, advancing digital capabilities, and driving sustainable impact in line with Vision 2030. With a strong balance sheet, a forward-thinking strategy, and an unwavering commitment to excellence, Riyad Bank continues to push boundaries, delivering lasting value and shaping the future of banking beyond limits.

  • Key Achievements

    • Secured the second-largest market share in Corporate banking, third in Retail Banking, and maintained the leading position in SME financing.
    • Launched the new Riyad Bank mobile application, enhancing the digital banking experience for retail customers.
    • Led the trade finance sector in Saudi Arabia, leveraging both local expertise and international reach.
    • Launched the Jeel incubator to accelerate Fintech innovation, fostering partnerships and supporting strategic growth.
    • Established 1957 Venture Company in 2024 and Jeel in 2023 to accelerate digital innovation and Fintech growth.

  • Key Pillars of the Bank’s 2025 Strategy

    • Most Profitable.
    • Bank of Choice.
    • Most Efficient.
    • Most Innovative and Digitally Enabled.

    Key Drivers and Accomplishments

    • Full alignment of Riyad Bank’s 2025 Strategy with the objectives of Saudi Vision 2030.
    • Led significant financing for Vision 2030 giga projects and key sectors, including infrastructure, education, and renewable energy.
    • Ranked first in the “Finance Guarantee Program for SMEs (Kafalah)” for SME financing, guarantees, and number of supported enterprises, leading in the Tourism and Technology sectors.

  • Key Ratios

    CET1

    14.1%

    Total CAR

    18.9%

    Leverage

    12.1%

    LCR:

    145%

    NSFR:

    107%

    ROAE

    16.6%

    ROAA

    2.23%

    RoRWA

    2.48%

    Riyad Bank is accelerating growth with innovation, financial strength, and a clear vision for the future.

  • Key Principles

    • Clear roles and responsibilities for the Board of Directors and Management.
    • Performance culture at the center.
    • Experienced and seasoned Management team.

    Key Drivers and Accomplishments

    • Increased female representation to 29% of the workforce, and 33% of new hires were female.
    • Signed 3-year strategic partnership with the Mohammed Bin Salman Foundation (Misk) to support the entrepreneurial community and enhance the capabilities of young entrepreneurs in Saudi Arabia.
    • Participated as a strategic partner in the first Global CSR Forum, where Riyad Bank launched its “Bukra Initiatives Social Impact Report for 2023” highlighting the Bank’s contributions to the environment, economy, and community, as well as its commitment to the UN SDGs.