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A74407 | Pages: 145 | Charts: 39 | Tables: 71 |
The Saudi Arabia personal loan market was valued at $146.54 billion in 2021 and is projected to reach $670.58 billion by 2031, registering a CAGR of 16.3% from 2022 to 2031
Personal loan is an amount of money borrowed by an individual for a variety of purposes such as paying for home renovations, consolidate debt, and wedding. In addition, personal loans are generally offered by banks, credit unions, and online loan providers. Moreover, personal loans typically have lower interest rates than credit cards and can be used to consolidate multiple credit card debts into a single and lower-cost monthly payment
High demand for residential houses from expatriates entering the country and increase in number of initiatives by government to strengthen the financial system is boosting the growth of the Saudi Arabia personal loan market. In addition, development of digitization and the instantaneous loan and approval procedure is positively impacting the growth of the Saudi Arabia personal loan market.
However, emerging non-banking finance companies and FinTech companies and increasing security concerns are hampering the Saudi Arabia personal loan market growth. On the contrary, increase in entrance of new players in KSA personal finance is expected to offer remunerative opportunities for expansion of the Saudi Arabia personal loan market during the forecast period.
In terms of end-user, the salaried segment holds the highest Saudi Arabia personal loan market share as it provides personal loans are usually lower than those of credit cards. However, the business segment is expected to grow at the highest rate during the forecast period, as it covers expenses for expanding their businesses, such as purchasing new equipment and machinery to increase production of goods and services.
[TYPEGRAPH]
The Saudi Arabia personal loan market is segmented on the basis of type, marital status, consumer age, end user, and region. By type, the market is bifurcated into P2P marketplace and balance sheet. Based on marital status, the market is segregated into married, single, and others. Depending on consumer age, it is segmented into less than 30, 30-50, and more than 50. By end user, the market is divided between salaried and business. The salaried segment is further segregated into male, female, and others.
[MARITALSTATUSGRAPH]
The key players that operate in the Saudi Arabia personal loan market are Abdul Latif Jameel United Finance Company, Al Rajhi Bank, Alinma Bank, Arab National Bank, Bank Albilad, Banque Saudi Fransi, Emirates NBD Bank, Emirates NBD Bank, Emkan Finance Company, Nayifat, Quara Holding, Riyad Bank, SAAB, Tamam Finance, SNB. These players have adopted various strategies to increase their market penetration and strengthen their position in the industry.
[CONSUMERAGEGRAPH]
As the world becomes increasingly digitized. In Saudi Arabia, the banking sector has undergone a digital transformation in recent years with new technologies and services being introduced to make the banking experience more convenient and efficient for customers. In addition, Saudi Arabia is considered a late adopter of digital transformation compared to other countries in the world.
However, in recent years, the Kingdom has made great strides in its journey towards a digital future. Moreover, as part of Vision 2030, there has been a focus on developing the digital infrastructure and capabilities of Saudi businesses. This has been evident in the investments made by the government and private sector into fostering a healthy digital ecosystem for banking and financial services. For instance, in 2020, the government of Saudi Arabia granted its first digital banking licenses to two locally established banks. For Instance, in January 2022, Saudi Arabia’s stc pay, the digital payment provider service of a telecommunications company, launched Qattah, which it describes as an integrated service that allows customers to easily share and track expenses with multiple people, removing the stress from splitting bills.
The Saudi Arabia personal loan is an amount of money borrowed by an individual for a variety of purposes such paying for home renovations, consolidate debt, and wedding. In addition, personal loans are generally offered by banks, credit unions, and online loan providers. Moreover, Saudi Arabia personal loans typically have lower interest rates than credit cards and can be used to consolidate multiple credit card debts into a single and lower-cost monthly payment. In addition, it helps to pay for emergency expenses without draining savings.
Moreover, in accordance with several interviews that were conducted of the top level CXOs, with increase in demand for personal loans, in terms of unique goals & short-term fluctuating needs, consumers increasingly turned to personal loans, making this type of financing one of the fastest-growing forms of debt. Moreover, firms are aiming at enhancing immediate focus toward seamless client communications and adopting digital tools for fulfilling consumers constant needs toward personal loans. Firms in the personal loans sector are increasingly expanding their offerings to other financial services such as banks & credit agencies to meet changing consumer needs.
[ENDUSERGRAPH]
During the COVID-19 health crisis, credit scores among personal loan holders have disrupted and lenders began to tighten their loan qualification requirements. In addition, several lenders have made widespread changes to their credit and risk preferences and thus, are restricting the supply of credit. These factors have resulted in a massive decline in personal loans during the pandemic situation.
All well-governed IT industries should be able to demonstrate due diligence to ensure regulatory compliance in applicable fields and consumers in Saudi Arabia adopting personal loan due to the increasing demand for high-cost consumer goods, such as cars and home renovations. Moreover, to further develop the digital banking ecosystem, the government has invested in initiatives to support small businesses. In 2016, the Saudi government launched Monshaat, an online platform that offers a range of services for small businesses, including access to financing. This is in line with the Vision 2030 goal of supporting entrepreneurship and small businesses and help to create an ecosystem that will promote the development of smaller digital banking and fintech companies in Saudi Arabia.
For instance, to support private sectors SAMA has announced the introduction of Private Sector Financing Support Program with a total value of about $13.32 billion. The program aims at supporting and enabling the private sector to promote economic growth through a package of measures that includes providing concessional finance of about $3,512 billion for SMEs by granting loans from banks and finance companies to the SME sector to support business continuity and sector growth during the current stage in a way that contributes to supporting economic growth and maintaining employment levels in these enterprises and also helps in depositing an amount of about $7.99 billion for banks and financing companies to delay the payment of the dues of the financial sector (banks and finance companies) from SMEs for a period of six months as of its date.
Moreover, with the country’s rapid shift towards digital finance, Saudi Arabia Monitory Authority (SAMA) is working towards enhancing the financial sector’s digital transformation, with more than 35 fintech already operating under its ‘Regulatory Sandbox’. According to the regulator, these companies can use open banking services to utilize their customer’s banking data, with consent, to provide innovative financial services which meet changing demands of these 35 fintech, Sulfah was recently announced as the third consumer microfinance company to be granted a license in the kingdom. The regulator clarified that it would continue to provide licenses to companies specialized in this type of financial activity.
Residential houses are an ever-evolving industry, and opportunities emerge regularly. The industry is expected to see new opportunities for expatriates to get personal loan as well as new types of alternatives to invest in. The demand from expatriates has further intensified the residential housing shortage, with about 5.5 million ex-pat workers in the country. Moreover, with younger Saudi nationals and expatriates are displaying a preference for apartments and more affordable properties, the government is taking steps such as incentivizing developers to build affordable housing projects, encouraging banks to introduce more home financing options to fulfill its ambition of increasing homeownership by Saudi Arabian nationals to 60% by 2020 and 70% by 2030, the Saudi Arabian housing ministry announced a plan to build approximately 19,500 residential units for its nationals under the ‘Sakani’ housing development program.
Moreover, shift of focus towards ownership of homes in Saudi Arabia Vision, the renovation and home improvement segment is expected to witness growth and that might aid the personal finance market in the country. Such demands are driving the growth of the market.
Saudi Arabia government has massive plans for the economy targeting to improve employment figures that might be fruitful for the personal finance market. Furthermore, government has launched Saudi Arabia's Vision 2030, which is a pathway to the future. Unveiled in 2016, it represents a transformative and deeply ambitious plan to unlock the Kingdom's vast potential, by creating a diversified, innovative, and world-leading nation, for the benefit of future generations. In addition, the loans borrowed by large corporations and private sector are expected to grow due to increasing privatization as one of the goals in Vision 2030.
Moreover, KSA’s Vision 2030 includes the Financial Sector Development Program which envisions better access to financial products and aims to increase the share of cashless transactions by developing the digital infrastructure. Moreover, the Program also focuses on enabling FinTech to drive innovation and competition. FinTech companies are expected to contribute immensely toward the growth of the market.
Key Market Segments
CHAPTER 1:INTRODUCTION
1.1.Report description
1.2.Key benefits for stakeholders
1.3.Key market segments
1.4.Research methodology
1.4.1.Secondary research
1.4.2.Primary research
1.4.3.Analyst tools & models
CHAPTER 2:EXECUTIVE SUMMARY
2.1.Key findings
2.1.1.Top impacting factors
2.1.2.Top investment pockets
2.2.CXO perspective
CHAPTER 3:MARKET OVERVIEW
3.1.Market definition and scope
3.2.Key forces shaping the Saudi Arabia personal loan market
3.3.Market dynamics
3.3.1.Drivers
3.3.1.1.High demand for residential houses from expatriates entering the country
3.3.1.2.Increasing number of initiatives by government to strengthen the financial system
3.3.1.3.Development of digitization and the instantaneous loan and approval procedure
3.3.2.Restraints
3.3.2.1.Emerging non-banking finance companies and FinTech companies
3.3.2.2.Increasing security concerns
3.3.3.Opportunity
3.3.3.1.Increase in entrance of new players in KSA personal finance
3.4.COVID-19 impact analysis on Saudi Arabia personal loan market
3.4.1.Impact on market size
3.4.2.Consumer trends, preferences, and budget impact
3.4.3.Framework for market challenges faced by personal loans providers
3.4.4.Economic impact
3.4.5.Strategies to tackle negative impact
3.4.6.Opportunity window
3.5.Qualitative analysis of SAMA regulations
3.6.Qualitative analysis of Saudi Arabia personal loan market
CHAPTER 4:SAUDI ARABIA PERSONAL LOAN MARKET, BY TYPE
4.1.Overview
4.2.P2P Marketplace
4.2.1.Key market trends, growth factors, and opportunities
4.2.2.Market size and forecast
4.3.Balance Sheet
4.3.1.Key market trends, growth factors, and opportunities
4.3.2.Market size and forecast
CHAPTER 5:SAUDI ARABIA PERSONAL LOANS MARKET, BY MARITAL STATUS
5.1.Overview
5.2.Married
5.2.1.Key market trends, growth factors, and opportunities
5.2.2.Market size and forecast
5.3.Single
5.3.1.Key market trends, growth factors, and opportunities
5.3.2.Market size and forecast
5.4.Others
5.4.1.Key market trends, growth factors, and opportunities
5.4.2.Market size and forecast
CHAPTER 6:SAUDI ARABIA PERSONAL LOANS MARKET, BY CONSUMER AGE
6.1.Overview
6.2.Less than 30
6.2.1.Key market trends, growth factors, and opportunities
6.2.2.Market size and forecast
6.3.30–50
6.3.1.Key market trends, growth factors, and opportunities
6.3.2.Market size and forecast
6.4.More than 50
6.4.1.Key market trends, growth factors, and opportunities
6.4.2.Market size and forecast
CHAPTER 7:SAUDI ARABIA PERSONAL LOANS MARKET, BY END USER
7.1.Overview
7.2.Salaried
7.2.1.Key market trends, growth factors, and opportunities
7.2.2.Market size and forecast
7.3.Business
7.3.1.Key market trends, growth factors, and opportunities
7.3.2.Market size and forecast
CHAPTER 8:COMPETITIVE LANDSCAPE
8.1.Key players positioning analysis, 2021
8.2.Competitive dashboard
8.3.Top winning strategies
CHAPTER 9:COMPANY PROFILE
9.1.ABDUL LATIF JAMEEL UNITED FINANCE COMPANY
9.1.1.Company overview
9.1.2.Key Executives
9.1.3.Company snapshot
9.1.4.Product portfolio
9.1.5.Business performance
9.1.6.Key strategic moves and developments
9.2.AL RAJHI BANK
9.2.1.Company overview
9.2.2.Key executives
9.2.3.Company snapshot
9.2.4.Product portfolio
9.2.5.Business performance
9.2.6.Key strategic moves and developments
9.3.ALINMA BANK
9.3.1.Company overview
9.3.2.Key Executives
9.3.3.Company snapshot
9.3.4.Product portfolio
9.3.5.Business performance
9.3.6.Key strategic moves and developments
9.4.ARAB NATIONAL BANK
9.4.1.Company overview
9.4.2.Key Executives
9.4.3.Company snapshot
9.4.4.Product portfolio
9.4.5.Business performance
9.4.6.Key strategic moves and developments
9.5.BANK ALBILAD
9.5.1.Company overview
9.5.2.Key Executives
9.5.3.Company snapshot
9.5.4.Product portfolio
9.5.5.Business performance
9.5.6.Key strategic moves and developments
9.6.BANQUE SAUDI FRANSI
9.6.1.Company overview
9.6.2.Key Executives
9.6.3.Company snapshot
9.6.4.Product portfolio
9.6.5.Business performance
9.6.6.Key strategic moves and developments
9.7.EMIRATES NBD BANK
9.7.1.Company overview
9.7.2.Key Executives
9.7.3.Company snapshot
9.7.4.Product portfolio
9.7.5.Business performance
9.7.6.Key strategic moves and developments
9.8.EMKAN FINANCE COMPANY
9.8.1.Company overview
9.8.2.Key Executives
9.8.3.Company snapshot
9.8.4.Product portfolio
9.8.5.Business performance
9.8.6.Key strategic moves and developments
9.9.MURABAHA MARENA
9.9.1.Company overview
9.9.2.Key Executives
9.9.3.Company snapshot
9.9.4.Product portfolio
9.9.5.Key strategic moves and developments
9.10.NAYIFAT
9.10.1.Company overview
9.10.2.Key Executives
9.10.3.Company snapshot
9.10.4.Product portfolio
9.11.QUARA HOLDING
9.11.1.Company overview
9.11.2.Key Executives
9.11.3.Company snapshot
9.11.4.Product portfolio
9.11.5.Key strategic moves and developments
9.12.RIYAD BANK
9.12.1.Company overview
9.12.2.Key executives
9.12.3.Company snapshot
9.12.4.Product portfolio
9.12.5.Business performance
9.12.6.Key strategic moves and developments
9.13.SABB
9.13.1.Company overview
9.13.2.Key Executives
9.13.3.Company snapshot
9.13.4.Product portfolio
9.13.5.Business performance
9.13.6.Key strategic moves and developments
9.14.TAMAM FINANCE
9.14.1.Company overview
9.14.2.Key executives
9.14.3.Company snapshot
9.14.4.Product portfolio
9.15.SNB
9.15.1.Company overview
9.15.2.Key executives
9.15.3.Company snapshot
9.15.4.Product portfolio
9.15.5.Business performance
LIST OF TABLES
TABLE 01.SAUDI ARABIA PERSONAL LOAN REVENUE, BY TYPE, 2021–2031 ($BILLION)
TABLE 02.SAUDI ARABIA PERSONAL LOAN MARKET REVENUE FOR P2P MARKETPLACE, 2021–2031 ($BILLION)
TABLE 03.SAUDI ARABIA PERSONAL LOAN MARKET REVENUE FOR BALANCE SHEET, 2021–2031 ($BILLION)
TABLE 04.SAUDI ARABIA PERSONAL LOAN MARKET REVENUE, BY MARITAL STATUS, 2021–2031 ($BILLION)
TABLE 05.SAUDI ARABIA PERSONAL LOAN MARKET REVENUE FOR MARRIED, 2021–2031 ($BILLION)
TABLE 06.SAUDI ARABIA PERSONAL LOAN MARKET REVENUE FOR SINGLE, 2021–2031 ($BILLION)
TABLE 07.SAUDI ARABIA PERSONAL LOAN MARKET REVENUE FOR OTHERS, 2021–2031 ($BILLION)
TABLE 08.SAUDI ARABIA PERSONAL LOAN MARKET REVENUE, BY CONSUMER AGE, 2021–2031 ($BILLION)
TABLE 09.SAUDI ARABIA PERSONAL LOAN MARKET REVENUE FOR LESS THAN 30, 2021–2031 ($BILLION)
TABLE 10.SAUDI ARABIA PERSONAL LOAN MARKET REVENUE FOR 30-50, 2021–2031 ($BILLION)
TABLE 11.SAUDI ARABIA PERSONAL LOAN MARKET REVENUE FOR MORE THAN 50, 2021–2031 ($BILLION)
TABLE 12.SAUDI ARABIA PERSONAL LOAN MARKET REVENUE, BY END USER, 2021–2031 ($BILLION)
TABLE 13.SAUDI ARABIA PERSONAL LOAN MARKET REVENUE FOR SALARIED, 2021–2031 ($BILLION)
TABLE 14.SAUDI ARABIA PERSONAL LOAN MARKET REVENUE FOR BUSINESS, 2021–2031 ($BILLION)
TABLE 15.COMPETITIVE DASHBOARD
TABLE 16.ABDUL LATIF JAMEEL UNITED FINANCE COMPANY: KEY EXECUTIVES
TABLE 17.ABDUL LATIF JAMEEL UNITED FINANCE COMPANY: COMPANY SNAPSHOT
TABLE 18.ABDUL LATIF JAMEEL UNITED FINANCE COMPANY: PRODUCT PORTFOLIO
TABLE 19.ABDUL LATIF JAMEEL UNITED FINANCE COMPANY: KEY STRATEGIC MOVES AND DEVELOPMENT
TABLE 20.AL RAJHI BANK: KEY EXECUTIVES
TABLE 21.AL RAJHI BANK: COMPANY SNAPSHOT
TABLE 22.AL RAJHI BANK: PRODUCT PORTFOLIO
TABLE 23.AL RAJHI BANK: KEY STRATEGIC MOVES AND DEVELOPMENTS
TABLE 24.ALINMA BANK: KEY EXECUTIVES
TABLE 25.ALINMA BANK: COMPANY SNAPSHOT
TABLE 26.ALINMA BANK: PRODUCT PORTFOLIO
TABLE 27.ALINMA BANK: KEY STRATEGIC MOVES AND DEVELOPMENTS
TABLE 28.ARAB NATIONAL BANK: KEY EXECUTIVES
TABLE 29.ARAB NATIONAL BANK: COMPANY SNAPSHOT
TABLE 30.ARAB NATIONAL BANK: PRODUCT PORTFOLIO
TABLE 31.ARAB NATIONAL BANK: KEY STRATEGIC MOVES AND DEVELOPMENTS
TABLE 32.BANK ALBILAD: KEY EXECUTIVES
TABLE 33.BANK ALBILAD: COMPANY SNAPSHOT
TABLE 34.BANK ALBILAD: PRODUCT PORTFOLIO
TABLE 35.BANK ALBILAD: KEY STRATEGIC MOVES AND DEVELOPMENTS
TABLE 36.BANQUE SAUDI FRANSI: KEY EXECUTIVES
TABLE 37.BANQUE SAUDI FRANSI: COMPANY SNAPSHOT
TABLE 38.BANQUE SAUDI FRANSI: PRODUCT PORTFOLIO
TABLE 39.BANQUE SAUDI FRANSI:KEY STRATEGIC MOVES AND DEVELOPMENTS
TABLE 40.EMIRATES NBD BANK: KEY EXECUTIVES
TABLE 41.EMIRATES NBD BANK: COMPANY SNAPSHOT
TABLE 42.EMIRATES NBD BANK: PRODUCT PORTFOLIO
TABLE 43.EMIRATES NBD BANK: KEY STRATEGIC MOVES AND DEVELOPMENTS
TABLE 44.EMKAN FINANCE COMPANY: KEY EXECUTIVES
TABLE 45.EMKAN FINANCE COMPANY: COMPANY SNAPSHOT
TABLE 46.EMKAN FINANCE COMPANY: PRODUCT PORTFOLIO
TABLE 47.EMKAN FINANCE COMPANY: KEY STRATEGIC MOVES AND DEVELOPMENTS
TABLE 48.MURABAHA MARENA: KEY EXECUTIVES
TABLE 49.MURABAHA MARENA: COMPANY SNAPSHOT
TABLE 50.MURABAHA MARENA: PRODUCT PORTFOLIO
TABLE 51.MURABAHA MARENA: KEY STRATEGIC MOVES AND DEVELOPMENTS
TABLE 52.NAYIFAT: KEY EXECUTIVES
TABLE 53.NAYIFAT: COMPANY SNAPSHOT
TABLE 54.NAYIFAT: PRODUCT PORTFOLIO
TABLE 55.QUARA FINANCE: KEY EXECUTIVES
TABLE 56.QUARA FINANCE: COMPANY SNAPSHOT
TABLE 57.QUARA FINANCE: PRODUCT PORTFOLIO
TABLE 58.QUARA FINANCE: KEY STRATEGIC MOVES AND DEVELOPMENTS
TABLE 59.RIYAD BANK: KEY EXECUTIVES
TABLE 60.RIYAD BANK: COMPANY SNAPSHOT
TABLE 61.RIYAD BANK: PRODUCT PORTFOLIO
TABLE 62.RIYAD BANK: KEY STRATEGIC AND DEVELOPMENTS
TABLE 63.SAAB: KEY EXECUTIVES
TABLE 64.SAAB: COMPANY SNAPSHOT
TABLE 65.SAAB: PRODUCT PORTFOLIO
TABLE 66.SAAB: KEY STRATEGIC MOVES AND DEVELOPMENTS
TABLE 67.TAMAM FINANCE: KEY EXECUTIVES
TABLE 68.TAMAM FINANCE: COMPANY SNAPSHOT
TABLE 69.SNB: KEY EXECUTIVES
TABLE 70.SNB: COMPANY SNAPSHOT
TABLE 71.SNB: PRODUCT PORTFOLIO
LIST OF FIGURES
FIGURE 01.KEY MARKET SEGMENTS
FIGURE 02.SAUDI ARABIA PERSONAL LOAN MARKET SNAPSHOT, BY SEGMENTATION, 2021–2031
FIGURE 03.TOP IMPACTING FACTORS
FIGURE 04.TOP INVESTMENT POCKETS
FIGURE 05.MODERATE-TO-HIGH BARGAINING POWER OF SUPPLIERS
FIGURE 06.MODERATE-TO-HIGH BARGAINING POWER OF BUYER
FIGURE 07.MODERATE THREAT OF SUBSTITUTES
FIGURE 08.MODERATE-TO-HIGH THREAT OF NEW ENTRANTS
FIGURE 09.MODERATE-TO-HIGH COMPETITIVE RIVALRY
FIGURE 10.SAUDI ARABIA PERSONAL LOAN MARKET, BY TYPE, 2021–2031 ($BILLION)
FIGURE 11.SAUDI ARABIA PERSONAL LOAN MARKET, BY MARITAL STATUS, 2021–2031 ($BILLION)
FIGURE 12.SAUDI ARABIA PERSONAL LOAN MARKET, BY CONSUMER AGE, 2021–2031 ($BILLION)
FIGURE 13.SAUDI ARABIA PERSONAL LOAN MARKET, BY END USER, 2021–2031 ($BILLION)
FIGURE 14.KEY PLAYER POSITIONING ANALYSIS: SAUDI ARABIA PERSONAL LOAN MARKET
FIGURE 15.COMPETITIVE DASHBOARD
FIGURE 16.COMPETITIVE DASHBOARD
FIGURE 17.COMPETITIVE HEATMAP OF KEY PLAYERS
FIGURE 18.TOP WINNING STRATEGIES, BY YEAR, 2020-2022
FIGURE 19.TOP WINNING STRATEGIES, BY DEVELOPMENT, 2020-2022
FIGURE 20.TOP WINNING STRATEGIES, BY COMPANY, 2020-2022
FIGURE 21.ABDUL LATIF JAMEEL UNITED FINANCE COMPANY: REVENUE, 2019–2021 ($MILLION)
FIGURE 22.ABDUL LATIF JAMEEL UNITED FINANCE COMPANY: REVENUE SHARE BY REGION, 2021 (%)
FIGURE 23.AL RAJHI BANK: REVENUE, 2019–2021 ($MILLION)
FIGURE 24.AL RAJHI BANK: REVENUE SHARE BY SEGMENT, 2021 (%)
FIGURE 25.AL RAJHI BANK: REVENUE SHARE BY REGION, 2021 (%)
FIGURE 26.ALINMA BANK: REVENUE, 2019–2021 ($MILLION)
FIGURE 27.ALINMA BANK: REVENUE, 2019–2021 ($MILLION)
FIGURE 28.ARAB NATIONAL BANK: REVENUE, 2019–2021 ($MILLION)
FIGURE 29.BANQUE SAUDI FRANSI: REVENUE, 2019–2021 ($MILLION)
FIGURE 30.BANQUE SAUDI FRANSI: REVENUE SHARE BY REGION, 2021 (%)
FIGURE 31.EMIRATES NBD BANK: REVENUE, 2019–2021 ($MILLION)
FIGURE 32.EMIRATES NBD BANK: REVENUE SHARE BY SEGMENT, 2021 (%)
FIGURE 33.EMKAN FINANCE COMPANY: REVENUE, 2019–2021 ($MILLION)
FIGURE 34.RIYAD BANK: REVENUE, 2019–2021 ($MILLION)
FIGURE 35.RIYAD BANK: REVENUE SHARE BY SEGMENT, 2021 (%)
FIGURE 36.SAAB: REVENUE, 2019–2021 ($MILLION)
FIGURE 37.SAAB: REVENUE SHARE BY SEGMENT, 2021 (%)
FIGURE 38.SNB: REVENUE, 2019–2021 ($MILLION)
FIGURE 39.SNB: REVENUE SHARE BY SEGMENT, 2021 (%)