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Report
Riyad Bank SJSC (1010:SAU) - Strategic SWOT and Financial Insights - A 360 Review of Opportunities, Challenges and Risk, Corporate and ESG Strategies, Competitive Intelligence, Financial and Operational KPI's, and Recent Trends
Company Report I 2025-12-24 I 76 Pages I Quaintel Research
Report Summary
Riyad Bank SJSC Strategic SWOT Analysis and Financial Insights - A 360 Review of Opportunities, Challenges and Risk, Corporate and ESG Strategies, Competitive Intelligence, and Recent Trends Report is a comprehensive and easily accessible overview of Riyad Bank SJSC's business operations. It provides a detailed analysis of the company's financial and strategic standing, as well as its position in the industry compared to competitors. The report includes several key features to facilitate decision-making and provide insights into the company's performance.
The report begins with in-depth information about Riyad Bank SJSC including key insights, business segments, key executives, locations, products and services, historical events, corporate strategy, and management discussions. This section provides a solid foundation for understanding the company's key attributes.
Next, the report assesses Riyad Bank SJSC's strategic standing through various analyses. The ESG spotlight evaluates the company's environmental, social, and governance performance, providing insights into its sustainability efforts and ethical practices. The SWOT analysis examines the company's internal strengths and weaknesses, as well as external opportunities and threats. Additionally, By integrating these strategic analyses, the report offers a comprehensive understanding of Riyad Bank SJSC's overall strategic standing and supports informed decision-making and strategic planning.
The report also covers Riyad Bank SJSC's financial analysis basis of latest income statement, balance sheet, and cash flow statement. Key financial ratios related to profitability, asset turnover, credit, market, and long-term solvency are outlined, providing guidance for investment decisions. Furthermore, the report compares Riyad Bank SJSC's financial parameters with those of its competitors, offering a unique analysis of the competitive landscape. This information helps manage the business environment and improve sales activities by gaining insight into competitors' operations.
Finally, the report includes recent news and deal activities undertaken by Riyad Bank SJSC enhancing awareness of the company's business trends, growth perspectives, and more.
Key Highlights
Riyad Bank, established in 1957 and headquartered in Riyadh, is one of the most prominent financial institutions in Saudi Arabia and the wider Middle East. Over the decades, the bank has built a strong reputation for stability, service quality, and its leadership role in financing major national projects. Its operations are supported by a paid up capital of 30 billion Saudi Riyals and a workforce of 7,588 employees, with one of the highest national employment ratios in the Kingdom at 96 percent.The bank s business model spans retail banking, corporate banking, and services tailored to small and medium sized enterprises, all in full compliance with Islamic Sharia principles. Riyad Bank is widely recognized for its capacity to structure and arrange large syndicated loans across the oil, petrochemicals, and infrastructure sectors, positioning it as a strategic contributor to national economic development. The bank maintains extensive domestic reach through 333 branches, over 254 thousand point of sale terminals, and more than 1.7 thousand ATMs across the Kingdom.Its international footprint includes a branch in London and representative offices in Houston and Singapore, supporting customers with cross border banking needs. Financially, the bank continues to demonstrate strong performance, with 2024 net income rising to 9.32 billion Riyals and total operating income reaching 17.28 billion Riyals. Its balance sheet remains robust, driven by a 16 percent increase in total assets and sustained growth in loans, investments, and customer deposits, underscoring the bank s solid position in the regional banking landscape.
Riyad Bank SJSC in the News:-
2025-07-16 - "Sakan" receives the first batch of units from "Jood Bank Riyadh" in the Al-Jawf r
2025-05-25 - Mastercard Launches Cyber Resilience Center in Saudi Arabia
2025-05-19 - Riyad Bank: The best bank for small and medium enterprises
2025-05-19 - HRH Prince of Hail Honors Riyad Bank at the Hail Investment Forum 2025
2025-03-02 - Addendum to Riyad Bank s Sustainability White Paper
Scope
- Tactical Analysis:- Various strategic frameworks to gain insights into a Riyad Bank SJSC's competitive position and operational environment. These analytical tools assist in identifying competitive advantages, potential risks, and areas for improvement and efficiency, enabling companies to make informed tactical decisions.
- Business Strategy:- Contributes to shaping the Riyad Bank SJSC's overall direction, goals, and decision-making processes, ensuring long-term success and alignment with stakeholder expectations.
- Financial Position:- Provide valuable information on the financial performance and investor sentiment surrounding the company. Indicating the level of confidence and expectations in the company's future prospects. These components collectively contribute to understanding the financial health and market perception of the company.
- Company Fundamentals:- These fundamentals offer valuable insights into the company's history, operations, leadership, and geographical presence, aiding in a comprehensive understanding of the organization.
- Competitive Landscape:- An identification of the Riyad Bank SJSC's main competitors, providing insights into the competitive landscape it operates in.
Reasons to Buy
- Comprehensive Understanding of the Riyad Bank SJSC's internal and external factors through SWOT analysis, Financial Analysis, and Competitors Benchmarking.
- Strive Strategic Decision Making with various analyses and identifying potential customers and suppliers.
- Mitigate Risk with help of thorough analysis of internal and external factors. Furthermore, develop strategies and contingency plans to address these challenges and minimize their impact on business operations.
- Competitive Benchmarking will help to gain a competitive advantage by understanding industry trends, customer preferences, and best practices.
- Financial Performance Evaluation provides crucial insights into key financial ratios and trends, supporting better financial decision-making and resource allocation.
- Valuable insights from the report enable investors and partners to make informed decisions regarding potential Collaborations, Investments, or Partnerships with the company.
Additionally, available deep-dive analysis on the company Riyad Bank SJSC:
- Riyad Bank SJSC PESTLE Analysis
- Riyad Bank SJSC Value Chain Analysis
- Riyad Bank SJSC Porter's Five Forces Analysis
- Riyad Bank SJSC VRIO Analysis
- Riyad Bank SJSC BCG Analysis
- Riyad Bank SJSC Segmentation, Targeting and Positioning (STP) Analysis
- Riyad Bank SJSC Ansoff Matrix Analysis
Table of Contents 2
Tables 5
Charts 6
Riyad Bank SJSC - Key Company Facts 7
Riyad Bank SJSC - Company Description 8
Riyad Bank SJSC - Top Executives 9
Riyad Bank SJSC- Head Office & Locations 10
Head Office - Country 10
Riyad Bank SJSC - Products and Services 11
Products 11
Services 12
Riyad Bank SJSC - Corporate Strategy 13
Riyad Bank SJSC - Business Description 16
Retail Banking 16
Corporate Banking 17
Treasury and Investments 17
Investment Banking and Brokerage 17
Riyad Bank SJSC - ESG Spotlight 19
Environment 19
Social 20
Corporate Governance 20
Riyad Bank SJSC - SWOT Analysis 22
Overview 22
Strengths 24
Weaknesses 26
Opportunities 28
Threats 30
Riyad Bank SJSC - Financial Deep Dive 32
Share Price Trend - May-2023to Dec-2025 (Average Share Closing Price) 32
Profit and Loss Statement 35
Summary of Profit and Loss Statement 35
Balance Sheet 37
Summary of Balance Sheet 37
Cash Flow Statement 40
Summary of Cash Flow Statement 40
Key Financial Ratio Analysis 43
Riyad Bank SJSC - Ratio Charts 44
Activity Ratio Charts 44
Growth Ratios Charts 45
Leverage Ratio Charts 46
Liquidity Ratio Charts 47
Profitability Ratio Charts 48
Competing Players 49
Snapshot of Competing Players 50
Al Rajhi Banking and Investment Corp 50
Key Company Facts 50
Company Description 50
Snapshot of Competing Players 51
Emirates NBD Bank PJSC 51
Key Company Facts 51
Company Description 51
Snapshot of Competing Players 52
Qatar National Bank QSPC 52
Key Company Facts 52
Company Description 52
Snapshot of Competing Players 53
The Saudi British Bank 53
Key Company Facts 53
Company Description 53
Snapshot of Competing Players 54
Saudi National Bank SJSC 54
Key Company Facts 54
Company Description 54
Riyad Bank SJSC - In the News 55
16-Jul-2025 -"Sakan" receives the first batch of units from "Jood Bank Riyadh" in the Al-Jawf r 55
25-May-2025 -Mastercard Launches Cyber Resilience Center in Saudi Arabia 56
19-May-2025 -Riyad Bank: The best bank for small and medium enterprises 58
19-May-2025 -HRH Prince of Hail Honors Riyad Bank at the Hail Investment Forum 2025 58
02-Mar-2025 -Addendum to Riyad Bank's Sustainability White Paper 59
11-Feb-2025 -Riyad Bank Joins the United Nations Global Compact, Leading the Way for the Saudi Banking Sector in Sustainability 60
11-Feb-2025 -Riyad Bank Becomes First Saudi Bank to Join the Partnership for Carbon Accounting Financials (PCAF) 60
14-Jan-2025 -Riyad Bank Introduces Its comprehensive Sustainability Strategy Through Landmark White Paper 62
07-Nov-2024 -Riyad Bank Launches "Riyad Bank SME Index" at Biban 24 63
28-Oct-2024 -Riyad Bank is a Strategic Partner in the 8th Future Investment Initiative 64
Riyad Bank SJSC- Key Deals 65
11-May-2025 - Under the patronage of the Governor of the Saudi Central Bank, a cooperation agreement was signed between the "Martyrs Fund" and "Riyadh Bank" 65
11-Feb-2025 - Riyad Bank Signs the UN Principles for Responsible Banking 66
11-Feb-2025 - Riyad Bank Becomes First Saudi Bank to Join the Partnership for Carbon Accounting Financials (PCAF) 67
Appendix 68
Definitions 68
SWOT Analysis 68
PESTLE Analysis 68
Value Chain Analysis 68
ESG Spotlight 68
Financial Deep Dive 68
Financial Ratios - 69
Activity Ratios 69
Growth Ratios 70
Leverage Ratios 71
Liquidity Ratios 72
Market Ratios 73
Profitability Ratios 73
Research Methodology 74
Disclaimer 75
Contact Us 75
Table 1: Riyad Bank SJSC - Company Facts 7
Table 2: Riyad Bank SJSC - Digital Presence 7
Table 3: Riyad Bank SJSC - Top Executives 9
Table 4: Riyad Bank SJSC - Products 11
Table 5: Riyad Bank SJSC - Services 12
Table 6: Riyad Bank SJSC - Share Price Trend - May-2023 to Dec-2025 32
Table 7: Riyad Bank SJSC- Ratio Analysis - 2021-2024 43
Table 8: Riyad Bank SJSC -Competing Players 49
Table 9: Competing Players - Al Rajhi Banking and Investment Corp - Key Company Facts 50
Table 10: Competing Players - Emirates NBD Bank PJSC - Key Company Facts 51
Table 11: Competing Players - Qatar National Bank QSPC - Key Company Facts 52
Table 12: Competing Players - The Saudi British Bank - Key Company Facts 53
Table 13: Competing Players - Saudi National Bank SJSC - Key Company Facts 54
Figure 1: Riyad Bank SJSC- SWOT Analysis 23
Figure 2: Riyad Bank SJSC - Average Share Price Trend - May-2023 to Dec-2025 34
Figure 3: Riyad Bank SJSC - Profit and Loss Statement - 2021-2024 36
Figure 4: Riyad Bank SJSC - Balance Sheet - 2021-2024 39
Figure 5: Riyad Bank SJSC - Cash Flow Statement 2021-2024 42
Figure 6: Riyad Bank SJSC - Activity Ratio Charts 44
Figure 7: Riyad Bank SJSC - Growth Ratio Charts (Value %) 45
Figure 8: Riyad Bank SJSC - Leverage Ratio Charts 46
Figure 9: Riyad Bank SJSC - Liquidity Ratio Charts 47
Figure 10: Riyad Bank SJSC - Profitability Ratio Charts (Value %) 48
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