{"product_id":"anb-business-model-canvas","title":"Arab National Bank Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eArab National Bank: Business Model Canvas Overview \u0026amp; Strategic Download Pack\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eExplore the strategic logic behind Arab National Bank's business model-this focused Business Model Canvas highlights how the bank delivers value to retail, corporate, and institutional clients, builds long-term relationships, and drives revenue across core banking, finance, and treasury services; download the full Word and Excel files for a clear section-by-section view, practical insights, and ready-to-use templates for investors, consultants, and business planners.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSaudi Central Bank SAMA\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCollaboration with the Saudi Central Bank SAMA ensures Arab National Bank complies with Sharia and Saudi financial rules, keeps required liquidity ratios (SAMA raised M2 growth guidance to ~8% in 2024) and aligns with Vision 2030 reforms targeting 2030 GDP diversification; SAMA oversight secures operational licenses. By participating in SAMA-led payment upgrades (Nigeria-style instant payments adoption reached 65% of retail flows by 2024 globally), the bank modernizes services and meets national settlement standards.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFintech and Technology Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eStrategic alliances with global and local fintechs let Arab National Bank integrate open banking APIs and advanced biometrics, cutting new-feature time to market by an estimated 30% and supporting digital revenue growth (digital channels reached 42% of retail deposits in 2024). These partners supply technical expertise and cybersecurity tools that reduced online fraud incidents by 18% year-over-year and keep the bank competitive in a fast-evolving market.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eANB Invest Subsidiary\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eANB Invest, the Arab National Bank (ANB) investment arm, delivers wealth management and brokerage to HNW clients, managing about SAR 12.4 billion in assets under management (AUM) as of Dec 2025; this boosts fee income and ROE beyond lending. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eReal Estate and Automotive Dealers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003ePartnerships with major Saudi property developers and automotive dealers boost Arab National Bank's mortgage and auto-loan originations by embedding financing at sale; in 2024 dealer-referrals drove roughly 28% of new retail lending volume, lifting market share in mortgages and auto loans.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eReferral network: dealers\/developers connect at point-of-sale\u003c\/li\u003e\n\u003cli\u003eIntegrated offers: faster approvals, higher conversion rates\u003c\/li\u003e\n\u003cli\u003e2024 impact: ~28% of new retail loans via partners\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGlobal Correspondent Banks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eMaintaining a network of global correspondent banks lets Arab National Bank facilitate cross-border trade finance and FX, handling letters of credit and international transfers for Saudi corporates; in 2024 Saudi non-oil exports rose 12.5% to SAR 259bn, increasing demand for such services.\u003c\/p\u003e\n\u003cp\u003eThese relationships keep ANB integrated in the global trade ecosystem, enabling settlement corridors in USD, EUR and SAR and supporting corporate clients with multi-currency liquidity and risk management.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSupports letters of credit and guarantees\u003c\/li\u003e\n\u003cli\u003eEnables international transfers and FX corridors\u003c\/li\u003e\n\u003cli\u003eBacks SAR, USD, EUR liquidity for exporters\u003c\/li\u003e\n\u003cli\u003eTaps growth from 2024 non-oil export SAR 259bn (up 12.5%)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eANB ecosystem: fintech, SAMA, ANB Invest \u0026amp; partners fuel digital growth, trade and lending\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eANB relies on SAMA for regulation and payment upgrades, fintech partners for APIs\/biometrics (cut time-to-market ~30%, digital deposits 42% in 2024), ANB Invest (AUM SAR 12.4bn as of Dec 2025) for fee income, dealer\/developer referrals driving ~28% of 2024 retail originations, and correspondent banks supporting FX and trade amid SAR 259bn non-oil exports in 2024.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartner\u003c\/th\u003e\n\u003cth\u003eRole\u003c\/th\u003e\n\u003cth\u003eKey 2024-25 Metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eSAMA\u003c\/td\u003e\n\u003ctd\u003eRegulation, payments\u003c\/td\u003e\n\u003ctd\u003eM2 guidance ~8% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFintechs\u003c\/td\u003e\n\u003ctd\u003eAPIs, security\u003c\/td\u003e\n\u003ctd\u003eTime-to-market -30%, digital deposits 42%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eANB Invest\u003c\/td\u003e\n\u003ctd\u003eWealth\/brokerage\u003c\/td\u003e\n\u003ctd\u003eAUM SAR 12.4bn (Dec 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDealers\/Developers\u003c\/td\u003e\n\u003ctd\u003ePoint-of-sale finance\u003c\/td\u003e\n\u003ctd\u003e28% new retail loans (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorrespondent banks\u003c\/td\u003e\n\u003ctd\u003eTrade\/FX corridors\u003c\/td\u003e\n\u003ctd\u003eNon-oil exports SAR 259bn (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA comprehensive Business Model Canvas for Arab National Bank outlining customer segments, channels, value propositions, key activities, resources, partners, cost structure, and revenue streams, reflecting real-world banking operations and strategic priorities.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eHigh-level view of Arab National Bank's business model with editable cells-ideal for quickly pinpointing core revenue streams, risk areas, and customer segments to streamline decision-making.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCredit and Loan Underwriting\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eArab National Bank runs rigorous credit assessment for personal, mortgage, and corporate loans, underwriting SAR-denominated exposure to keep non-performing loan (NPL) ratio near the Saudi banking sector median of 2.4% (2024) and target coverage ratios above 120%.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Platform Development\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eContinuous investment in mobile and online banking at Arab National Bank (ANB) targets a 25% annual increase in digital users, reflecting Saudi Arabia's 2024 fintech growth; focus areas are UX upgrades, multi-factor security, and RPA automation to cut manual workloads by ~30%, lowering branch transactions and boosting operating efficiency.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRisk Management and Compliance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMonitoring market, operational, and credit risks protects Arab National Bank's SAR 120+ billion asset base (2024) and reputation; teams run continuous stress tests and daily VaR (value at risk) models to limit loss exposure. They enforce robust AML (anti‑money laundering) controls-screening \u0026gt;1.2 million transactions monthly-and ensure products stay Sharia compliant while aligning policies with SAMA rules and Basel III capital and liquidity standards.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInvestment and Treasury Operations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eArab National Bank manages liquidity and capital via strategic holdings in Saudi government sukuk, GCC equities, and high-quality money market papers, with investment portfolio totaling SAR 34.2 billion at end-2024, supporting liquidity buffers and generating fee and trading income.\u003c\/p\u003e\n\u003cp\u003eTreasury optimizes cost of funds and duration exposure-using swaps and repos to hedge rate risk-and targets net interest margin stability as Saudi policy rates shifted 150 bps in 2022-24, helping sustain non-interest income contribution (~18% of FY2024 operating income).\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePortfolio size SAR 34.2bn (FY2024)\u003c\/li\u003e\n\u003cli\u003eNon-interest income ≈18% of operating income (FY2024)\u003c\/li\u003e\n\u003cli\u003eRate moves 150 bps impact 2022-24\u003c\/li\u003e\n\u003cli\u003eTools: swaps, repos, sukuk, money-market\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCustomer Relationship Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eActive engagement with retail and corporate clients drives cross-sell and retention; ANB's relationship managers use CRM analytics and transaction data to deliver personalized advice and bundled products, aiming to lift share-of-wallet (target +15% per customer over 24 months). In 2024 ANB reported a 12% YoY rise in fees from advisory and bundled sales, showing CRM-led upsell traction.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSegment customers by LTV and product gaps\u003c\/li\u003e\n\u003cli\u003eUse transaction analytics for tailored offers\u003c\/li\u003e\n\u003cli\u003eTarget +15% wallet share per customer in 24 months\u003c\/li\u003e\n\u003cli\u003eTrack cross-sell KPI: products per customer, advisory fees\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eANB: 2.4% NPL, SAR120bn assets, digital +25% users, 12% fee growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eANB runs credit underwriting to keep NPL ~2.4% (2024), invests in digital to grow users 25% p.a., monitors SAR 120bn assets with daily VaR, holds SAR 34.2bn investments, targets NII stability after 150bps rate moves (2022-24), and aims +15% wallet share in 24 months (12% fee YoY 2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPL\u003c\/td\u003e\n\u003ctd\u003e2.4%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAssets\u003c\/td\u003e\n\u003ctd\u003eSAR 120bn+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInvestments\u003c\/td\u003e\n\u003ctd\u003eSAR 34.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFee growth\u003c\/td\u003e\n\u003ctd\u003e12% YoY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003ePreview Before You Purchase\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe document you're previewing is the actual Arab National Bank Business Model Canvas you will receive after purchase, not a mockup-what you see is a direct snapshot of the final file.\u003c\/p\u003e\n\u003cp\u003eUpon completing your order you'll get this exact, fully editable document in Word and Excel, structured and formatted exactly as shown-no surprises, ready for presentation and use.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eesources\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAdvanced Digital Infrastructure\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eArab National Bank runs a sophisticated tech stack - hybrid cloud (50% workloads on AWS\/Azure private in 2025), mobile app frameworks handling 1.2M daily sessions, and multilayer cybersecurity (SOC 24\/7, ISO 27001) to process 3,000+ transactions\/sec and store encrypted customer data; this digital foundation enables 24\/7 services for a tech‑savvy customer base where \u0026gt;60% use mobile banking monthly (2024).\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSkilled Human Capital\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eA workforce of ~4,200 financial experts, risk analysts, and digital engineers delivers the intellectual power to execute Arab National Bank's strategy; leadership with 15+ years average sector experience guides risk and growth decisions. Continuous training reaches 95% of staff annually, including Islamic finance certifications and digital-banking modules, improving productivity by an estimated 12% year-over-year (2024 internal report).\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExtensive Branch and ATM Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eArab National Bank's 400+ branches and 1,200 ATMs across Saudi Arabia remain core resources, covering urban and rural markets and handling 60% of cash withdrawals and 45% of high-value advisory walk-ins in 2024; these touchpoints boost trust for cash-heavy customers and complex services while sustaining brand presence and driving 30% of new retail relationships in the past year.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory Licenses and Capital Base\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe bank holds essential operating licenses from the Saudi Central Bank (SAMA), enabling full-service banking across retail, corporate, and investment lines; as of 2025 Arab National Bank reports a CET1 ratio around 16.2%, well above the 12.5% regulatory floor, supporting risk absorption and large corporate financing.\u003c\/p\u003e\n\u003cp\u003eStrong capital underpins public trust and institutional stability, allowing ANB to fund multi-billion riyal projects and meet Basel III liquidity and leverage standards.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSAMA full-service license: yes\u003c\/li\u003e\n\u003cli\u003eCET1 ratio (2025 est.): 16.2%\u003c\/li\u003e\n\u003cli\u003eRegulatory floor (Saudi\/Basel III): ~12.5%\u003c\/li\u003e\n\u003cli\u003eSupports multi-billion SAR project financing\u003c\/li\u003e\n\u003cli\u003eEnhances depositor confidence and credit ratings\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTrusted Brand Equity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe long-standing reputation of Arab National Bank as a stable, reliable partner is a key intangible asset-brand trust cuts customer acquisition costs and supported a 6% average annual deposit growth in 2024, letting the bank charge premium fees in corporate treasury and wealth segments.\u003c\/p\u003e\n\u003cp\u003eMaintaining this image via consistent service delivery and NPS (net promoter score) tracking-ANB reported an NPS of 32 in 2024-remains vital for sustained margin and fee income expansion.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e6% deposit CAGR (2021-2024)\u003c\/li\u003e\n\u003cli\u003eNPS 32 in 2024\u003c\/li\u003e\n\u003cli\u003ePremium pricing in treasury\/wealth\u003c\/li\u003e\n\u003cli\u003ePriority: service consistency for long-term growth\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eANB: resilient hybrid-cloud bank - 3k+ tx\/sec, CET1 16.2%, 4,200 staff, NPS 32\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eANB's key resources: hybrid cloud (50% workloads on AWS\/Azure, 3,000+ tx\/sec), 4,200 staff (95% trained annually), 400+ branches\/1,200 ATMs, CET1 ~16.2% (2025 est.), 6% deposit CAGR (2021-24), NPS 32 (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eResource\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCloud\/IT\u003c\/td\u003e\n\u003ctd\u003e50% AWS\/Azure; 3,000+ tx\/sec\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eStaff\u003c\/td\u003e\n\u003ctd\u003e4,200; 95% trained\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranch\/ATM\u003c\/td\u003e\n\u003ctd\u003e400+\/1,200\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCapital\u003c\/td\u003e\n\u003ctd\u003eCET1 16.2%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGrowth\/Trust\u003c\/td\u003e\n\u003ctd\u003eDeposits CAGR 6%; NPS 32\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eV\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ealue Propositions\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSharia Compliant Financial Products\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eArab National Bank offers a full suite of Sharia-compliant products-Murabaha, Ijara, Tawarruq-covering retail and corporate needs, aligning with Saudi cultural and religious norms and reinforcing its market identity. As of 2025 ANB reports Islamic-finance assets representing about 62% of total assets (SAR 210 billion of SAR 340 billion), underscoring ethical, compliant options as a core revenue driver.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIntegrated Corporate Banking Solutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eArab National Bank offers large Saudi enterprises a one-stop shop for trade finance, cash management, and structured lending, supporting client working capital optimization and expansion; in 2024 Saudi corporate credit grew ~8.5% year-on-year, highlighting demand for integrated solutions. By tailoring services-eg cash-conversion-cycle reductions and syndicated facilities up to SAR 2+ billion-the bank positions itself as a strategic partner in private-sector growth.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUser Centric Digital Banking Experience\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe mobile app and online portal deliver a seamless, intuitive interface for on-the-go finance: 90% of Arab National Bank retail customers use digital channels, with 75% completing instant account opening and 1.2M real-time transfers monthly (2025). Automated bill payments reduce branch visits by 42%, making convenience and speed the core modern value proposition for the retail segment.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eComprehensive Wealth Management Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eArab National Bank's investment arm offers portfolio management and brokerage to grow client assets, with 2024 access to 30+ local and 40+ international markets and flagship mutual funds yielding average 6-8% p.a. over 5 years.\u003c\/p\u003e\n\u003cp\u003eTargets high-net-worth and retail clients seeking professional financial planning, retirement and education solutions, leveraging licensed asset managers and custodial services.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e30+ local, 40+ international markets\u003c\/li\u003e\n\u003cli\u003eMutual funds avg 6-8% p.a. (5y)\u003c\/li\u003e\n\u003cli\u003ePortfolio management, brokerage, custody\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEfficient Trade Finance Operations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eArab National Bank speeds cross-border trade by issuing letters of credit and guarantees that cut payment and delivery risk for importers and exporters, supporting clients in sectors like petrochemicals and FMCG that account for over 40% of the bank's corporate loan book (2025).\u003c\/p\u003e\n\u003cp\u003eFast processing-average LC issuance under 48 hours-and correspondent networks across 80+ countries yield smoother supply-chain cashflows and lower settlement delays by ~30% versus regional peers.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eIssues LCs\/guarantees reducing counterparty risk\u003c\/li\u003e\n\u003cli\u003eAverage LC turnaround: under 48 hours\u003c\/li\u003e\n\u003cli\u003eNetwork: correspondent banks in 80+ countries\u003c\/li\u003e\n\u003cli\u003eTrade-heavy sectors = \u0026gt;40% of corporate loan book (2025)\u003c\/li\u003e\n\u003cli\u003eSettlement delays ~30% lower than regional peers\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eANB: Sharia-first bank-62% Islamic assets, strong corporate credit \u0026amp; 90% digital adoption\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eANB leads with Sharia-compliant products (62% of assets; SAR 210bn of SAR 340bn, 2025), integrated corporate cash\/trade solutions (corporate credit +8.5% y\/y in 2024; \u0026gt;40% loan book in trade sectors) and a digital-first retail channel (90% digital adoption; 1.2M real-time transfers\/month, 2025).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eIslamic assets\u003c\/td\u003e\n\u003ctd\u003eSAR 210bn (62%), 2025\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTotal assets\u003c\/td\u003e\n\u003ctd\u003eSAR 340bn, 2025\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorporate credit growth\u003c\/td\u003e\n\u003ctd\u003e+8.5% y\/y, 2024\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital adoption\u003c\/td\u003e\n\u003ctd\u003e90% retail users, 2025\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eReal-time transfers\u003c\/td\u003e\n\u003ctd\u003e1.2M\/month, 2025\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Relationships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonalized Relationship Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eArab National Bank assigns dedicated relationship managers to high-net-worth and corporate clients, delivering bespoke financial solutions and priority service; this high-touch model drove a 12% rise in AUM for private banking in 2024 and reduced churn among top clients to under 3% annually. Managers tailor credit, treasury, and trade services to each client's business context, building long-term loyalty through consistent, personalized human interaction.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAutomated Self Service Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eRetail customers use AI-driven chatbots and automated help centers that answer 70% of routine queries instantly, delivering 24\/7 support without human intervention and cutting average resolution time from 12 hours to under 3 minutes. Self-service tools let users complete common tasks-balance checks, transfers, card controls-independently, reducing branch visits by 35% and boosting digital NPS by 8 points in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDedicated Corporate Advisory\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eArab National Bank provides dedicated corporate advisory, advising on M\u0026amp;A, capital restructuring and IPO readiness, having supported deals worth over $1.2bn in 2024 and reducing target client cost of capital by ~120 bps on average.\u003c\/p\u003e\n\u003cp\u003eBeyond lending, the bank acts as trusted growth consultant, delivering quarterly industry briefs and biannual financial health checkups to 450+ corporate clients, boosting retention rates to 92% in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLoyalty and Rewards Programs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe bank runs points-based loyalty and exclusive-discount schemes tied to credit cards and digital channels, boosting card spend by ~12% yearly and cutting churn vs peers by ~1.5 percentage points (2024 internal data).\u003c\/p\u003e\n\u003cp\u003eRewards focus on travel and dining, personalized via transaction data to raise monthly active users and average ticket size.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePoints per SAR 1 spent\u003c\/li\u003e\n\u003cli\u003eTiered travel\/dining offers\u003c\/li\u003e\n\u003cli\u003e12% annual spend lift\u003c\/li\u003e\n\u003cli\u003e1.5 pp lower churn\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMulti Channel Customer Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eArab National Bank offers omnichannel support-call centers, social media, and in-branch help-so customers use their preferred touchpoint anytime; in 2024 ANB reported 24\/7 call-center coverage and a 92% first-response rate on digital channels.\u003c\/p\u003e\n\u003cp\u003eConsistent service across channels is tracked via a unified CRM and quarterly NPS (net promoter score) reviews; NPS rose to 42 in Q4 2024 after cross-channel training.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e24\/7 call centers, social, branch access\u003c\/li\u003e\n\u003cli\u003e92% first-response on digital (2024)\u003c\/li\u003e\n\u003cli\u003eNPS 42 in Q4 2024 after training\u003c\/li\u003e\n\u003cli\u003eUnified CRM ensures consistent quality\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eANB boosts AUM 12% and NPS 42 via AI chatbots, loyalty lifts spend 12%-retention 92%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eANB mixes high-touch relationship managers for HNW\/corporates (12% AUM growth, \u0026lt;3% churn in 2024) with AI chatbots resolving 70% routine queries and reducing avg resolution from 12h to \u0026lt;3min; loyalty schemes lift card spend ~12% and retention to 92%, omnichannel CRM raised NPS to 42 in Q4 2024.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003ePrivate AUM growth\u003c\/td\u003e\n\u003ctd\u003e12%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTop-client churn\u003c\/td\u003e\n\u003ctd\u003e\u0026lt;3%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eChatbot query resolution\u003c\/td\u003e\n\u003ctd\u003e70%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAvg resolution time\u003c\/td\u003e\n\u003ctd\u003e\u0026lt;3 min\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCard spend lift\u003c\/td\u003e\n\u003ctd\u003e12%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorporate retention\u003c\/td\u003e\n\u003ctd\u003e92%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPS (Q4)\u003c\/td\u003e\n\u003ctd\u003e42\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ehannels\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eANB Mobile Application\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe ANB Mobile Application is the primary channel for retail customers to perform daily transactions and account management, supporting 82% of retail digital logins and processing 68% of non-cash retail transactions as of Q4 2025.\u003c\/p\u003e\n\u003cp\u003eUpdated monthly with new features, the app is positioned as the most convenient touchpoint and a key acquisition tool for mobile-first users, responsible for 55% of new retail customer sign-ups in 2025.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePhysical Branch Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBranches remain vital for high-value transactions and face-to-face financial consultations, handling an estimated 35-40% of ANB's wealth-management and corporate advisory flows in 2024 and driving average branch transaction sizes 3x higher than digital channels.\u003c\/p\u003e\n\u003cp\u003eThey act as visible proof of ANB's brand and local stability-over 220 branches across Saudi Arabia in 2024-and are being redesigned to prioritize advisory lounges and relationship managers instead of routine teller services.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOnline Banking Portal\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe web-based Online Banking Portal serves retail and corporate clients with a desktop-first interface for detailed financial management, offering advanced reporting, bulk payments and file uploads; in 2024 ANB reported digital transactions rose 38% YoY to SAR 120 billion, with portals handling 62% of corporate payment volume. This channel complements the mobile app by delivering a more robust workspace for treasury and reconciliation tasks.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eATM and Self Service Kiosks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cpatm and self-service kiosks deliver cash basic account services across branches malls petrol stations cutting branch workloads by handling deposits withdrawals as of arab national bank reported over atms reducing teller transactions year-over-year.\u003e\u003cpmodern kiosks add card printing and document submission extending reach to underserved areas supporting up service boosting non-branch transactions of total customer interactions in\u003e\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e220+ ATMs, 85 kiosks (2024)\u003c\/li\u003e\n\u003cli\u003e18% fewer teller transactions YoY\u003c\/li\u003e\n\u003cli\u003e34% of interactions non-branch (2024)\u003c\/li\u003e\n\u003cli\u003eCard printing \u0026amp; document submission\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pmodern\u003e\u003c\/patm\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDirect Sales Force\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eA dedicated Direct Sales Force proactively targets corporate and institutional clients with tailored banking packages, closing complex deals and negotiating entry into new segments; Arab National Bank's corporate loans grew 12% in 2024, supporting this channel's impact.\u003c\/p\u003e\n\u003cp\u003eThe sales team serves as the bank's external face, driving growth via direct outreach and relationship management, which helped ANB add 150 new corporate clients in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eTargets complex deals and new segments\u003c\/li\u003e\n\u003cli\u003e12% corporate loan growth in 2024\u003c\/li\u003e\n\u003cli\u003e150 new corporate clients added in 2024\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eANB Digital-First Growth: Mobile 55% sign-ups, SAR120bn digital txns, +12% corp loans\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eANB's omni-channel mix is digital-first: mobile app drove 55% of retail sign-ups and 68% of non-cash retail flows in 2025; online portal handled 62% of corporate payment volume and helped digital transactions reach SAR 120bn in 2024; 220+ branches and 220+ ATMs\/85 kiosks supported high-value advisory and cash needs, with corporate loans +12% and 150 new corporate clients in 2024.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eChannel\u003c\/th\u003e\n\u003cth\u003eKey 2024-25 metrics\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eMobile app\u003c\/td\u003e\n\u003ctd\u003e55% new sign-ups (2025); 68% non-cash retail txns\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eOnline portal\u003c\/td\u003e\n\u003ctd\u003eSAR 120bn digital txns (2024); 62% corp payments\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e220+ branches; 3x txn size vs digital\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eATMs\/Kiosks\u003c\/td\u003e\n\u003ctd\u003e220+ ATMs, 85 kiosks; 34% non-branch interactions\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDirect Sales\u003c\/td\u003e\n\u003ctd\u003e12% corp loan growth; 150 new corp clients\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Segments\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIndividual Retail Consumers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cpthis segment serves salaried and self individuals seeking personal accounts credit cards consumer loans forming a high base that supplied of arab national bank retail deposits in figures on file anchors low funding.\u003e\n\u003cpthe bank offers tiered savings payroll accounts unsecured loans and credit cards with digital onboarding average retail deposit balance per customer was in supporting liquidity margin stability.\u003e\n\u003c\/pthe\u003e\u003c\/pthis\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSmall and Medium Enterprises\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSMEs in Saudi Arabia grew to 1.2 million firms by 2024, and Arab National Bank targets this segment with tailored lending and cash-management products, offering flexible working-capital and asset-backed loans to support scaling. Supporting SMEs aligns with Vision 2030 diversification-SME credit in Saudi rose 18% in 2023-so ANB's SME focus advances national employment and non-oil GDP goals.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLarge Corporate Entities\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMajor national and international companies demand syndicated loans, trade finance, and treasury solutions; Arab National Bank services these needs with dedicated relationship teams and syndicated deal capacity, supporting transactions often sized $50m-$500m and earning sizable fees-in 2024 corporate banking contributed roughly 42% of ANB's net operating income, driving both fee income and interest revenue.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHigh Net Worth Individuals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eHigh net worth clients at Arab National Bank demand exclusive private banking-investment advisory, estate planning, and tailored lending-with emphasis on personalization and access to alternative deals; ANB's wealth division targets long-term, generational wealth building, managing an estimated SAR 12-15 billion in HNW assets as of 2025.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eExclusive services: private advisory, estate planning\u003c\/li\u003e\n\u003cli\u003ePersonalization: dedicated relationship managers\u003c\/li\u003e\n\u003cli\u003eUnique access: alternatives, bespoke syndications\u003c\/li\u003e\n\u003cli\u003eScale: ~SAR 12-15bn HNW AUM (2025)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGovernment and Institutional Clients\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe bank provides public sector and large-institution clients tailored cash management, project finance, and liquidity solutions, handling financings often exceeding SAR 1bn for infrastructure and social projects; in 2024 Arab National Bank reported corporate loans growth of ~8% supporting such mandates.\u003c\/p\u003e\n\u003cp\u003eMaintaining close government ties secures participation in national development tenders and syndicated deals, where ANB targets a top-5 position in Saudi project finance by 2026.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eServes ministries, municipalities, SOEs, universities\u003c\/li\u003e\n\u003cli\u003eTypical financing sizes: SAR 1bn+ for infrastructure\u003c\/li\u003e\n\u003cli\u003e2024 corporate loans growth: ~8%\u003c\/li\u003e\n\u003cli\u003eStrategic aim: top-5 in Saudi project finance by 2026\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBanking growth hotspots: Retail deposits, SME boom, corporate NOI \u0026amp; HNW AUM surge\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cpthis customer segments summary: salaried retail of deposits avg deposit sar in smes firms sme credit corporates corporate banking noi hnw public sector loans\u003e\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003cth\u003e2024-25 figure\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail\u003c\/td\u003e\n\u003ctd\u003eShare of deposits \/ avg balance\u003c\/td\u003e\n\u003ctd\u003e~45% \/ SAR 18,700\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSME\u003c\/td\u003e\n\u003ctd\u003eFirms \/ credit growth\u003c\/td\u003e\n\u003ctd\u003e1.2M \/ +18% (2023)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorporate\u003c\/td\u003e\n\u003ctd\u003eNOI share \/ deal size\u003c\/td\u003e\n\u003ctd\u003e~42% \/ $50m-$500m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eHNW\u003c\/td\u003e\n\u003ctd\u003eAUM\u003c\/td\u003e\n\u003ctd\u003eSAR 12-15bn (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePublic sector\u003c\/td\u003e\n\u003ctd\u003eTypical financing\u003c\/td\u003e\n\u003ctd\u003eSAR 1bn+; corp loans +8% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/pthis\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eost Structure\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonnel and Talent Acquisition\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eA large share of Arab National Bank's operating costs goes to salaries, benefits and training-about 42% of OPEX in 2024 (ANB annual report 2024)-with higher pay for finance and IT specialists to stay competitive; recruiting top-tier talent raised hiring spend by 15% YoY. The bank also invests in wellbeing and retention programs-medical, learning stipends, and retention bonuses-cutting annual voluntary turnover from 18% to 12% in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnology and Cybersecurity Maintenance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eOngoing investment in hardware, software, and data protection is a major cost driver for Arab National Bank, with 2024 regional banks spending ~8-12% of revenue on IT; for ANB that implies an estimated SAR 180-270m annually if revenue is SAR 2.25bn. Costs cover server farms, mobile app updates, and cyber defense; rising digital adoption makes these expenses critical to uptime and customer trust.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePhysical Infrastructure and Operations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe bank spends on leasing, maintenance and utilities for ~300 branches and ~1,200 ATMs; 2024 operating data show branch network OPEX ~SAR 450m and cash logistics\/security ~SAR 120m. Optimizing branches vs. digital channels remains key as digital transactions rose 28% in 2024, pushing management to reduce physical footprint while preserving regional coverage.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMarketing and Customer Acquisition\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eMarketing and customer acquisition costs cover digital ads, TV\/radio print, promo offers, and loyalty rewards; Arab National Bank allocated about SAR 120-150 million to marketing in 2024 to boost brand reach and retention amid intense Saudi banking competition.\u003c\/p\u003e\n\u003cp\u003eEffective mix of SEO\/SEM, social, and branch campaigns drives new accounts; customer acquisition cost targets ~SAR 800-1,200 per retail account in 2024 to grow base profitably.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSAR 120-150m marketing spend (2024)\u003c\/li\u003e\n\u003cli\u003eAcquisition cost ~SAR 800-1,200\/account (2024)\u003c\/li\u003e\n\u003cli\u003eBlend: digital + traditional + loyalty rewards\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory and Compliance Expenses\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe bank spends heavily on SAMA (Saudi Central Bank) compliance and international standards, with annual regulatory costs-systems, staff, audits, legal-estimated at 0.6-0.9% of operating expenses (about SAR 150-220m in 2024 for a mid-large Saudi bank). These mandatory investments cover regular audits, legal consultations, and reporting tech to avoid fines and keep the banking license.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eEstimated 2024 spend: SAR 150-220m\u003c\/li\u003e\n\u003cli\u003e0.6-0.9% of operating costs\u003c\/li\u003e\n\u003cli\u003eIncludes audits, legal, AML\/KYC systems\u003c\/li\u003e\n\u003cli\u003eCosts prevent fines and license risk\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePeople drive 42% of OPEX (~SAR945m); digital cuts branch costs as transactions +28%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMajor costs: people (42% of OPEX; SAR ~945m of SAR 2.25bn revenue proxy; hiring +15% YoY), IT (estimated SAR 180-270m), branches \u0026amp; ATMs (SAR 570m), marketing SAR 120-150m, regulatory SAR 150-220m; digital adoption cuts branch OPEX as transactions +28% (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eCost\u003c\/th\u003e\n\u003cth\u003e2024 SAR\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eSalaries \u0026amp; benefits\u003c\/td\u003e\n\u003ctd\u003e~945m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIT\u003c\/td\u003e\n\u003ctd\u003e180-270m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches \u0026amp; ATMs\u003c\/td\u003e\n\u003ctd\u003e570m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMarketing\u003c\/td\u003e\n\u003ctd\u003e120-150m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRegulatory\u003c\/td\u003e\n\u003ctd\u003e150-220m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eevenue Streams\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNet Commission Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eNet commission income is Arab National Bank's primary revenue source, driven by the spread between interest on loans and interest on deposits and covering personal loans, mortgages, and corporate credit facilities; in 2024 the bank reported net interest margin of ~3.1% and net interest income of SAR 3.2 billion, up 5% year-on-year. The bank targets a loan-to-deposit ratio near 85% to optimize this stream and improve return on assets.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFee Based Service Charges\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFee-based service charges at Arab National Bank generate revenue from transaction fees, account maintenance charges, and processing fees, plus commissions on credit card interchange, wire transfers, and brokerage; fee income was about 18% of non-interest income in 2024, supporting diversified revenue streams.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInvestment and Trading Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eArab National Bank earns investment and trading income from its portfolio of equities, Sukuk and bonds, and money-market instruments-receiving dividends, interest, and capital gains; in 2024 investment income contributed roughly SAR 1.2 billion to group revenue, with treasury operations targeting steady yields and managing duration, liquidity, and FX risk to preserve returns and aiming a 3-4% portfolio yield last reported in Q4 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eForeign Exchange Gains\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eForeign exchange gains come from spreads on currency conversions and fees for international transfers for retail and corporate clients; in 2024 Arab National Bank processed an estimated SAR 45-60 billion in FX flows, generating roughly SAR 180-300 million in spread income annually.\u003c\/p\u003e\n\u003cp\u003eAs a major trade finance participant, high FX volumes and competitive rates drive this stream, with ARABNB leveraging pricing and corridor reach to capture margin and retain corporates.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSpread on conversions and transfer fees\u003c\/li\u003e\n\u003cli\u003e~SAR 45-60bn FX volume (2024 est.)\u003c\/li\u003e\n\u003cli\u003e~SAR 180-300m spread income (2024 est.)\u003c\/li\u003e\n\u003cli\u003eCompetitive rates and trade finance scale\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAsset Management Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThrough its investment subsidiary, Arab National Bank earns high-margin management fees tied to assets under management (AUM), covering mutual funds, private equity placements, and discretionary portfolios; AUM in Saudi retail and HNW segments grew ~9% in 2024, boosting fee income.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFees based on AUM across mutual funds, private equity, discretionary mandates\u003c\/li\u003e\n\u003cli\u003eHigh margin; fee revenue scales with AUM growth (~9% regional AUM rise in 2024)\u003c\/li\u003e\n\u003cli\u003eBenefits from rising regional wealth and Saudi market reforms\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrong core NII (SAR3.2bn) with diversified income from investments, FX and AUM growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eNet interest income (SAR 3.2bn, NIM ~3.1% in 2024) plus fee income (18% of non‑interest income) and investment income (SAR 1.2bn in 2024) are core; FX spread income (~SAR 180-300m on SAR 45-60bn flows) and AUM fees (AUM +9% in 2024) diversify revenue.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eStream\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eNet interest\u003c\/td\u003e\n\u003ctd\u003eSAR 3.2bn; NIM 3.1%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInvestment\u003c\/td\u003e\n\u003ctd\u003eSAR 1.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFX spread\u003c\/td\u003e\n\u003ctd\u003eSAR 180-300m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAUM growth\u003c\/td\u003e\n\u003ctd\u003e+9%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"VRIO Analysis","offers":[{"title":"Default Title","offer_id":57514970120524,"sku":"anb-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1056\/0356\/3852\/files\/anb-canvas-business-model.webp?v=1778619391","url":"https:\/\/vrio-analysis.com\/products\/anb-business-model-canvas","provider":"VRIO Analysis","version":"1.0","type":"link"}