ANB operates through a domestic network of 121 branches, including dedicated sections for women, with regional offices in Jeddah and Al Khobar, and an international branch in London. The bank employs approximately 4,500 staff and focuses on digital innovation, including mobile banking apps and metaverse-based services, aligned with Saudi Vision 2030.
Cyborg Score Rationale
ANB is among the top ten largest banks in the Middle East with solid financial performance, demonstrated by positive dividend yield and strategic digital transformation initiatives. Ownership by Arab Bank PLC (40%) provides international stability alongside domestic Saudi shareholder base.
Top Insights
Share capital increased from SAR 15 billion to SAR 20 billion in 2024, with ownership divided between 60% Saudi and non-strategic foreign shareholders and 40% by Arab Bank PLC of Jordan
Dividend yield of 6.17% in 2024 with 52.23% payout ratio, up from 5.33% yield in 2023
Q4 2025 EPS exceeded expectations at 0.64 SAR vs. 0.63 SAR estimate
Strategic focus on fintech, open banking, and metaverse solutions positions bank for digital-first customer engagement
Named Competitors
Al Rajhi Bank — Largest Islamic bank in Saudi Arabia by market cap
Saudi National Bank — Merged entity of National Commercial Bank and Samba Financial Group
Bank AlJazira — Major regional Islamic bank with comprehensive services
SABIC Banking — HSBC's Saudi Arabian partner bank
Recent Developments
(Feb 2026) Market cap of approximately SAR 42.71 billion with stable trading activity
(2024) Capital increase to SAR 20 billion to support growth and regulatory capital requirements
(2024) Enhanced dividend yield to 6.17% reflecting strong profitability
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