Arab National Bank

What Arab National Bank does

Arab National Bank (ANB) is a Saudi joint stock commercial bank established in 1979, headquartered in Riyadh, and listed on the Saudi Exchange (Tadawul: 1080) under Saudi Central Bank (SAMA) license No. 4017/m/a/254. The bank operates a fully Sharia-compliant Islamic banking franchise serving over 7 million customers across retail (accounts, Murabaha, time deposits, credit cards, real estate finance, auto lease, and remittances), affluent (Private, Platinum, Gold, Silver, Youth tiers), SME (dedicated funding platform and apps), and corporate/wholesale banking segments. Its distribution combines 51+ physical branches across Saudi Arabia, a London branch, mobile and online banking channels, corporate portals (anb Business, E-Business Plus), and loyalty and accelerator programs (anb Rewards, anb Miles, anb Accelerator).

ANB generates revenue through a balance-sheet-led commercial banking model: net interest and profit income from Murabaha-based retail and corporate lending (APR ranges roughly 3.15%–7.18% on personal/real estate finance and 7.46%–11.40% on auto lease; credit card APRs of 38.36%–48.02%), fee income from trade finance and remittances, and treasury income from Saudi government bonds, sukuk, and market-related products. Technology infrastructure includes Intellect's eMACH.ai Digital Transaction Banking Platform for wholesale cash management and cross-border settlement, Mastercard Move integration for TeleMoney cross-border payments to 160+ countries, and a mobile-first digital ecosystem consolidating retail and wholesale services under sub-brands anb verse, Cashee, and anb Rewards.

The bank's strategic posture is anchored to Saudi Vision 2030, evidenced by syndicated participation in the SAR 16 billion Saudi Electricity Company Murabaha facility, joint financing of the SAR 936 million Masar Mall tourism project with the Tourism Development Fund, and an active sukuk issuance program (SAR 3.35 billion in 2025-02 and $750 million AT1 in 2025-09). Capital actions, technology modernization, and project-finance deal flow indicate a bank in scale-up mode serving Saudi Arabia's domestic economic transformation.

Name

Arab National Bank

Legal name

Arab National Bank (anb)

Website

https://anb.com.sa

Company type

Public

Founded year

1979

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Arab National Bank (ANB) is a publicly listed Saudi Islamic bank serving 7M+ retail, SME, affluent, and corporate customers through 51+ branches, a London office, and digital channels, with revenue from Murabaha lending, trade finance, and remittances.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221), Commercial Banking (52211)

SIC

National Commercial Banks (6021), State Commercial Banks (6022)

akta.pro primary industry

Islamic Retail Banking (FSABAGAA)

akta.pro secondary industries

Islamic Corporate Banking (FSABAGAC), Islamic SME & Commercial Banking (FSABAGAB), Shariah-compliant Financing Products (Murabaha, Ijara, Tawarruq, Istisna, Salam) (FSABAGAH), Islamic Transaction Banking (Cash Management & Treasury Services) (FSABAGAF), Islamic Private Banking & Wealth (FSABAGAD)

Keywords

• Retail banking services
• Corporate banking
• Islamic banking
• Trade finance
• Digital banking

Headquarters

HQ city

Riyadh

HQ country

Saudi Arabia

HQ region

Middle East

Offices35 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Retail Banking: Personal banking services including accounts, savings, credit cards, personal loans, real estate finance, auto lease, and Islamic banking products (Murabaha, Time Deposits)
2. Corporate Banking: Corporate banking, commercial banking, project and structured finance services for corporate and SME clients
3. Treasury Services: Treasury solutions including market-related products and services, international instruments investments, Saudi government bonds and sukuk
4. Trade Finance: Trade and supply chain finance, online trade finance services (eTrade), guarantees, documentary bills collection
5. Remittance Services: TeleMoney international remittance services through Mastercard Move partnership

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Arab National Bank provides comprehensive Sharia-compliant banking services across retail, corporate, SME, and treasury segments. Offerings include personal accounts, savings, credit cards, personal/real estate/auto loans, teleMoney international remittances, corporate banking, trade finance, treasury solutions, sukuk investments, and project & structured finance, delivered through 51+ branches, mobile-first digital channels, and an international London branch.

Product overview

Arab National Bank (ANB) operates a comprehensive banking platform consisting of distinct divisions for Personal Banking (accounts, credit cards, loans, Islamic banking via Murabaha, TeleMoney remittances, anb Rewards loyalty program, and digital channels like anb verse and Cashee) and Business/Corporate Banking (SME Banking with funding platforms and apps, Corporate Banking, Treasury Solutions, and Transaction Banking including trade finance). The bank recently implemented Intellect's eMACH.ai Wholesale Banking Platform for enhanced digital wholesale banking capabilities, and offers cross-border payment services through TeleMoney-Mastercard Move partnership. Services are accessible via mobile-first digital ecosystem, online banking (anb Net, anb app), and physical branch network including London branch.

Differentiator

Problem solved

Functional benefit

Brands

• TeleMoney: International remittance and money transfer service enabling cross-border payments to over 160 countries through Mastercard Move partnership
• anb Rewards
• anb verse
• Cashee
• anb miles
• anb Accelerator

Products and services

• Personal Banking Comprehensive personal banking services including accounts, savings, Murabaha, time deposits, credit cards, personal loans, real estate finance, auto lease, and TeleMoney remittances for individual consumers.
• TeleMoney Remittance Service International money transfer and remittance service enabling cross-border payments to over 160 countries through Mastercard Move partnership, designed for expatriates and individuals sending remittances abroad.
• Credit Cards Range of credit cards including Platinum, Gold, Silver, Youth variants, plus Mada Cards, Corporate Credit Cards, and Braille Cards with APR ranging from 38.36% to 48.02%.
• Corporate Banking Wholesale and corporate banking services including corporate finance, cash management, relationship banking, and Vision Realization programs for large corporate clients aligned with Saudi Vision 2030.
• SME Banking Small and medium enterprises banking with dedicated SME Account, SME Funding Platform, SME Enterprises App, Platinum Business Program, and Classic Business Program.
• Treasury Solutions Treasury services including Market-Related Products & Services, International Instruments Investments, Saudi Government Bonds & Sukuk, and eTrader platform for institutional clients.
• Trade and Supply Chain Finance Trade finance services including Online Trade Finance Services (eTrade) platform for documentary credits, guarantees, and collection services for corporate and institutional clients.
• anb Rewards Program

Quantifiable outcome

• 5.77% dividend yield with 49.6% payout ratio
• +3 more outcomes

Named customers8 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability3 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core and major.

• Intellect Design ArenacoreTechnology or Integration · 19 February 2026ANB implemented Intellect's eMACH.ai Digital Transaction Banking platform to enhance wholesale banking digital capabilities for corporate and SME clients. The platform provides cash management, automated payments, digital onboarding, and cross-border settlement processing across sectors including oil & gas, government, real estate, telecom, and trading. Aligned with Saudi Vision 2030 digital transformation goals.
• Tourism Development FundmajorStrategic or Co-development Partner · 17 February 2026SAR 936 million joint financing agreement between Tourism Development Fund, Arab National Bank, and Hamat Company to develop Masar Mall in Makkah. Project spans over 63,000 square meters at Makkah's western gateway, projected to welcome approximately 20 million visitors annually as part of Masar Destination integrated urban development.
• MastercardcoreTechnology or Integration · 22 October 2025ANB's TeleMoney service partnered with Mastercard to deliver cross-border payment services through Mastercard Move, enabling international money transfers to over 160 countries. Partnership supports Saudi Vision 2030 and addresses growing demand for digital remittance solutions with expat remittances from Saudi Arabia rising 15% YoY to SAR 13.83 billion in June 2025.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Regional players

• Emirates NBD: Emirates NBD is a leading UAE bank with regional GCC reach that co-financed the SAR 217.8 million BinDawood Murabaha facility with ANB. It provides comparable Islamic and conventional corporate banking capabilities across the GCC region, making it a regional comparable rather than a direct domestic competitor.
• Qatar International Islamic Bank: Qatar International Islamic Bank is a GCC Islamic bank offering Sharia-compliant retail, corporate, and treasury services similar to ANB. It co-participated with ANB in the SAR 16 billion Saudi Electricity Company facility, indicating comparable institutional capability in GCC syndicated finance.

Direct peers

• Bank AlBilad: Bank AlBilad is a Saudi Islamic bank providing retail and corporate Sharia-compliant products including Murabaha financing, credit cards, and treasury services. It competes directly with ANB for Saudi retail and SME customers using the same product taxonomy.
• Bank AlJazira: Bank AlJazira is a Saudi bank offering retail, corporate, and investment banking services, including Islamic banking products. It is comparable to ANB in scale and product mix within the Saudi domestic market.
• Al Rajhi Bank: Al Rajhi Bank is the largest Islamic bank in Saudi Arabia and the most direct competitor to ANB, offering a comparable Sharia-compliant retail and corporate product set including Murabaha financing, credit cards, and treasury services to the same Saudi customer base. Listed alongside ANB as a top-5 Saudi consumer lending player.
• Saudi National Bank (SNB): Saudi National Bank is the largest bank in Saudi Arabia by assets, formed from the merger of NCB and Samba. It competes directly with ANB across retail, corporate, and investment banking, and is a co-participant with ANB in the SAR 16 billion Saudi Electricity Company syndicated facility.
• Riyad Bank: Riyad Bank is one of the largest Saudi commercial banks offering full-service retail, corporate, and investment banking. It is explicitly named alongside ANB as a top Saudi consumer lending player and operates with comparable Islamic and conventional product offerings.
• Banque Saudi Fransi: Banque Saudi Fransi is a major Saudi commercial bank serving retail and corporate clients with similar product depth to ANB. It co-participated with ANB in the SAR 16 billion Saudi Electricity Company Murabaha facility, indicating direct overlap in project and syndicated finance.
• Saudi Awwal Bank (SAB): Saudi Awwal Bank is a top-5 Saudi bank formed from the merger of Samba and Alawwal, offering comparable retail, corporate, and treasury services. It is a co-participant with ANB in major syndicated Sharia-compliant facilities, making it a direct Saudi peer.
• Alinma Bank: Alinma Bank is a Saudi full-service Sharia-compliant bank offering retail, corporate, and treasury products very similar to ANB. As a fellow Saudi Islamic bank, it competes head-to-head with ANB for Muslim retail and corporate customers in the same domestic market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/ANB_BANK
• YouTubeyoutube.com/@anbbankchannel
• Facebookfacebook.com/anbksa
• LinkedInlinkedin.com/company/arab-national-bank
• Instagraminstagram.com/anb_bank
• TikToktiktok.com/@anb_bank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries2 records

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments22 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Arab National Bank