مسح خاص لـ CNBC عربية: ارتفاع إجمالي دخل التمويل لدى البنوك السعودية 53% إلى 153 مليار ريال في عام 2023
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00:32 and during the year 2023 and we compare it on an annual basis, we find that it grew by 12% and reached about 70 billion riyals.
00:41 These results also came from the total income of the fund, which grew by 53% and therefore only these numbers (153 billion riyals) during 2023.
00:55 In general, the specialties were the most prominent funds during the past year, and we noticed that there was a kind of change and regression in the specialties that were avoided during the past year,
01:05 and thus reached about 9.8 billion riyals. This regression, which had a clear impact on the results of the companies' business and also the Saudi banks,
01:17 and which lost expectations. If we talk about the banks that were able to achieve the highest profitability during the past year,
01:25 we find that the list was led by the Saudi People's Bank, with 8% of the profit, and therefore we have Al-Rajhi Bank, this leading bank,
01:35 despite the slight regression in its results, it came with better expectations and the pressure on Al-Rajhi Bank's results is back due to a clear decrease in income from funding and investment.
01:46 The Riyadh Bank's results increased by 15%, in addition to the first bank, which increased by 45%, and the Al-Inma Bank by 34% in terms of profits.
01:57 But if we talk about the financial center of Saudi banks during the past year, we find that the assets of the banks grew by 10%,
02:06 and thus reached about 3.7 trillion riyals annually. Even the biggest banks in terms of assets, if we talk about Al-Ahly Bank, Al-Rajhi Bank and Al-Riyadh Bank,
02:19 all of them have great assets during 2023, and their assets grew during the past period.
02:26 But the most prominent trend, if we were to separate it to the financial sector, with the growth of the credit movement during the past year, which was supported by personal loans,
02:37 and especially for individuals, we noticed there was a growth in loans, and thus it was 11%.
02:44 Deposits also benefited during the past period from the increase in profits, and thus we noticed a growth in deposits of 8%.
02:52 But the ratio of loans to deposits, here we notice a kind of equality between the two banks, and thus it recorded 99%.
03:01 The most prominent trend in terms of the liquidity of the banking sector is the liquidity that was also supported by the Saudi government
03:09 to strengthen the liquidity of the banking sector during 2023, and thus we talked about the growth in Saudi credit during 2023,
03:18 and we noticed a growth of more than 10%.
03:22 The latest developments related to the Egyptian sector in Saudi Arabia, and especially the rankings of the ranking agencies,
03:28 we find that S&P expects to grow in credibility in Saudi banks during 2024 from 8% to 9%.
03:37 This major growth comes as a result of the strong operational environment in the Saudi economy,
03:43 and we also noticed it in the recent decisions related to the activation of the private sector and the transfer of companies to their main headquarters in Saudi Arabia.
03:51 It will also encourage the demand for borrowing during the next period, and thus this is what we notice from the activity of the business sector in Saudi Arabia
04:00 according to the 2030 vision and the achievement of its goals.
04:03 But we also have Moody's, which has raised its view of the future of the Egyptian sector in Saudi Arabia, from stability to positivity,
04:10 and this gives a positive impression on the situation of the banking sector, the financial sector, liquidity, and the strong financial center.
04:18 So the positive results were in 2023, and the growth came better than expected.