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Arab National Bank

Royal Decree M/38 established Arab National Bank in 1979, which took over the existing operations of Arab Bank Ltd.  As a listed Saudi Joint Stock Company, ANB now ranks among the 10-15 largest banks in the Middle East. Headquartered in the capital city of Riyadh, the Bank is supported by Regional Offices in Jeddah and Khobar, and has a branch in London.  Over the past 33 years, ANB has been committed to live up to its brand promise of being “A Friend Indeed”.


ANB Group offers comprehensive commercial and investment banking services, in addition to specialized services in the fields of heavy equipment leasing and home finance.

ANB is a universal commercial bank catering for the diverse needs of its Corporate and Retail clients. To service a large and varied customer base which exceeds 2 million, the Bank has an extensive distribution network, with over 270 premises spanning the Kingdom. These include upwards of 185 branches (of which 25% are Ladies’ Branches) and 85 remittance centers (TeleMoney). ANB is the 2nd largest provider of remittance services in the Kingdom.

Complementing the traditional distribution points, ANB has around 950 ATMs, 9,400 point-of-sale terminals, an award-winning customer contact center and a technologically advanced, yet customer-friendly, online banking service.

ANB Invest, a wholly-owned subsidiary of ANB, is the investment banking arm of the Group. It provides advisory services in addition to brokerage and asset management.

Arabian Heavy Equipment Leasing (AHEL), a 62.5%-owned subsidiary, specializes in lease-financing for heavy equipment.

Saudi Home Loans (SHL), a 40%-owned affiliate in partnership with the International Finance Corporation (IFC) and Dar Al-Arkan, caters for the growing needs of home finance.

An insurance company is currently under formation, with ANB, MetLifeAlico and Chartis (AIG) as joint-venture partners.


ANB is a universal Bank offering world class products and services to both Individual and Corporate clients.  To service a large and varied customer base which exceeds 2 million, the bank has an extensive distribution network.  There are over 270 premises spanning the Kingdom which include upwards of 185 branches (of which 25% are Ladies’ Branches) and 85 TeleMoney remittance centers.  ANB is the 2nd largest provider of remittance services in the Kingdom.

Complementing the traditional distribution points, ANB has around 950 ATMs, 9,400 point-of-sale terminals, an award-winning Customer Contact Center and a technologically advanced, yet customer friendly, Online Banking service.


A Prominent,  Quality  Arab  Bank


A Friend Indeed

Our promise is to earn your friendship, by being transparent and committed, by making sure you are always satisfied. This is why we are a friend indeed.

Net income:
USD 579 million in 2011

USD 175 million in Q1–2012

Total Assets:  USD 33.4 billion (31-03-2012)

Total Customer Deposits:  USD 24.2 billion (31-03-2012)



Retail Banking

Serving the Individual customer, ANB offers the widest suite of products services through an extensive branch network and a technologically advanced self-service delivery offering.  The bank tailors its offerings based on the varied and unique needs of different customer segments to insure ANB offers the right products to the right customers throughout the different stages of their financial life-cycle.
Corporate Banking

ANB’s Corporate Banking Group focuses on providing a customized suite of financial products and services to large and medium-sized Saudi entities in both the Public and Private sectors as well as International and Joint Venture companies.  CBG operates from ANB’s Head Office in Riyadh and is supported by 2 regional offices based in Jeddah and Khobar.  Additionally, Corporate Banking customers have access to the nearly 200 ANB branches covering the Kingdom.

CBG’s strength is reflected in the ability to provide tailor-made solutions for its customers such as a specialized expertise in non-recourse project financing.  We believe that no two customers or lending situations are alike.  Therefore, we always work to understand the customer’s business and financial needs.  CBG’s objective is focused on the success of its customers and supporting them along the road to that achievement.
Commercial Banking

ANB continues to hold a strong and profitable mid-market franchise.  Its portfolio is characterized by a strong base with excellent credit quality.  Commercial Banking’s focus has been on strengthening existing relationships and expanding both mid-size and small business customers through concentrated marketing efforts and the diversification of its range of banking products and service offerings.

The Commercial Banking Unit actively supports small businesses operating in the Kingdom with dedicated and specialized teams in each region.  ANB has been an active player in working to extend facilities under the “Kafala” scheme that SIDF introduced and which SAMA supports.  The Unit is well positioned to seize the opportunities offered in the expanding SME market segment.
Treasury Services

Treasury Services reflect ANB’s commitment to provide cutting edge financial solutions for Individual and Business clients and was built on the premise to be customer-focused which has resulted in successfully creating a unique suite of high quality investment offerings.  The unit is manned by an experienced and highly talented team which provides both Conventional and Islamic products against all asset classes.  Treasury’s product range covers Foreign Exchange, Interest Rates, Commodities and a host of Structured Solutions to suit all the requirements of the bank’s clients.

In addition to highly personalized services, ANB also offers E-Trader.  This is a web-based solution where customers can do their own trading.  The platform for E-Trader uses state-of-the-art technology and provides an excellent means for customers to diversify their portfolio into international assets that are not tightly correlated with the local markets.
Project & Structured Finance

Arab National Bank is one of the Kingdom of Saudi Arabia's leading project and structured financiers, having taken key roles in the majority of project financings that have been arranged in the Kingdom.  ANB’s intimate understanding of the local market places the bank as a preferred partner to support the associated financing requirements of corporates and investors.

ANB’s activity in arranging a multitude of highly-structured syndicated financings has earned the bank a reputation of being a ‘Thought Leader’ in the field of Project & Structured finance in the Kingdom.  ANB offers a comprehensive portfolio of products and services through a dedicated and experienced team.

London Branch

ANB established its London Branch in 1991.  The branch is strategically located in the Mayfair District.  ANB London performs an important role in supporting the international business interests of the bank’s clientele in the United Kingdom.  This branch offers its UK clients personal banking, corporate facilities, trade finance and treasury services.


ANB has expanded its product and service offerings via subsidiary companies and strategic investments which cover Investment Banking, Home Lending, Insurance and Heavy Equipment Leasing as follows:

ANB Invest

ANBi is a fully integrated Authorized Person regulated by the Capital Markets Authority offering brokerage, asset management and corporate/advisory services. 

ANBi is one of the leading brokerage houses that execute buy and sell orders of shares listed on Tadawul and also offers trading services on other exchanges in the GCC, United States and elsewhere.  ANBi has a suite of funds that fit the investment goals of each customer and its money management skills have been highly acclaimed as evidenced through the receipt of various professional awards bestowed by independent 3rd parties.

ANBi also advises corporate clients in areas of initial public offerings, mergers & acquisitions, complex restructurings and the underwriting of various market transactions.

Saudi Home Loans

SHL leads the way in the development of the mono-line home finance industry and is well positioned to capitalize on the strong and growing demand for home finance in the Kingdom.  ANB has partnered with Dar Al Arkan Real Estate Development Company, the largest residential developer in the Kingdom and IFC and holds a 40% share of SHL.  

ANB/Chartis/MetLife Alico Insurance Joint Venture

This joint venture is under establishment and, upon completion, will result in an insurance company which will serve the public in providing general and personal lines insurance products.  ANB’s insurance partners are preeminent in the field and include MetLife Alico, with Metlife having bought ALICO’s worldwide operations from AIG and Chartis, who is still part of the AIG group.  Through its 100% owned agency (currently under formation), ANB will be distributing insurance products to its customers and the general public soon after the insurance joint venture’s planned IPO, which is scheduled to be completed in the second quarter of 2012.

AHEL Heavy Equipment Leasing

AHEL, ANB’s crane and heavy equipment leasing subsidiary, was formed with Ejar Cranes & Equipment Company to take advantage of the demand for equipment in the Saudi Arabian market.  As the use of its crane fleet continues to improve coupled with sustained market demand, AHEL is considering expanding its fleet over the next 2 years.


ANB is committed to its contribution to society and acting as a good corporate citizen through its service and financial support to the Saudi Community.  ANB plays a pivotal role in the advancement of community causes via its support for charitable and social institutions in the Kingdom.  This comes both in the form of direct financial contributions and sponsorship of social, cultural and sporting events.

ANB is committed to providing a safe and nurturing work environment for all employees.  The bank continues to focus on enhancing Saudization at all levels of the bank and is proud that today over 90% of the bank’s total workforce are Saudis.

Know more about the bank
Arab National Bank
 Annual Reports
 Financial Reports
 Basel II Disclosures
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