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Saudi banks’ retail, corporate mortgages up 24% to SAR 662.7 bln in Q3 2022
Saudi Arabian banknotes
Mortgage loans provided to retail and corporate clients by commercial banks in Saudi Arabia increased 24% to nearly SAR 662.7 billion in Q3 2022 from SAR 533.4 billion a year earlier, according to data issued by the Saudi Central Bank (SAMA).
Loans to retail clients, accounting for 80% of total mortgage loans, jumped 28% year-on-year (YoY) to approximately SAR 529.6 billion in the three-month period.
Corporate loans grew by 10% YoY to SAR 133.12 billion in Q3 2022.
|
Mortgage Loans by Commercial Banks (SAR bln) |
|||
|
Change |
Q3 2022 |
Q3 2021 |
Period |
|
+28% |
529.57 |
412.60 |
Retail |
|
+10% |
133.12 |
120.85 |
Corporate |
|
+24% |
662.69 |
533.45 |
Total |
The following table illustrates the mortgage loans offered by banks since 2018:
|
Mortgage Loans (SAR bln) |
|||
|
Total |
Corporate |
Retail |
Period |
|
216.82 |
92.10 |
124.72 |
Q1 2018 |
|
215.59 |
87.31 |
128.28 |
Q2 2018 |
|
227.35 |
95.29 |
132.06 |
Q3 2018 |
|
238.54 |
98.27 |
140.28 |
Q4 2018 |
|
248.02 |
97.12 |
150.89 |
Q1 2019 |
|
259.18 |
96.68 |
162.50 |
Q2 2019 |
|
275.90 |
99.22 |
176.68 |
Q3 2019 |
|
297.37 |
99.27 |
198.10 |
Q4 2019 |
|
329.27 |
104.18 |
225.09 |
Q1 2020 |
|
359.90 |
109.61 |
250.29 |
Q2 2020 |
|
392.14 |
112.91 |
279.23 |
Q3 2020 |
|
428.41 |
113.21 |
315.20 |
Q4 2020 |
|
474.52 |
116.51 |
358.01 |
Q1 2021 |
|
502.74 |
118.07 |
384.67 |
Q2 2021 |
|
533.45 |
120.85 |
412.60 |
Q3 2021 |
|
568.86 |
123.10 |
445.75 |
Q4 2021 |
|
605.51 |
129.35 |
476.16 |
Q1 2022 |
|
638.27 |
135.04 |
503.23 |
Q2 2022 |
|
662.69 |
133.12 |
529.57 |
Q3 2022 |
On the other hand, consumer loans grew by 9% YoY in Q3 2022 to reach SAR 448.1 billion, according to the report.
In addition to mortgages, they include cars and equipment, travel, education, and home improvement loans.
The following table illustrates the consumer loans offered by banks since 2018:
|
Consumer Loans (SAR bln)* |
||||
|
Total |
Others |
Transportation, Furniture, Education, Healthcare & Tourism |
Home Improvement |
Period |
|
315.35 |
254.79 |
31.92 |
28.65 |
Q1 2018 |
|
316.83 |
257.48 |
31.74 |
27.61 |
Q2 2018 |
|
328.04 |
269.59 |
31.70 |
26.74 |
Q3 2018 |
|
321.29 |
259.23 |
34.00 |
28.06 |
Q42 018 |
|
319.25 |
258.71 |
33.38 |
27.16 |
Q1 2019 |
|
318.88 |
260.03 |
32.70 |
26.15 |
Q2 2019 |
|
322.31 |
264.56 |
32.17 |
25.58 |
Q3 2019 |
|
333.44 |
275.45 |
32.34 |
25.65 |
Q4 2019 |
|
335.65 |
277.14 |
32.81 |
25.70 |
Q1 2020 |
|
335.77 |
277.52 |
32.98 |
25.27 |
Q2 2020 |
|
352.26 |
293.21 |
33.60 |
25.46 |
Q3 2020 |
|
365.25 |
309.61 |
31.77 |
23.87 |
Q4 2020 |
|
379.54 |
322.10 |
33.65 |
23.79 |
Q1 2021 |
|
394.18 |
338.16 |
33.82 |
22.20 |
Q2 2021 |
|
411.67 |
357.11 |
34.22 |
20.34 |
Q3 2021 |
|
428.40 |
376.63 |
32.71 |
19.06 |
Q4 2021 |
|
436.52 |
391.55 |
28.49 |
16.48 |
Q1 2022 |
|
445.76 |
402.27 |
28.26 |
15.23 |
Q2 2022 |
|
448.14 |
406.12 |
27.75 |
14.27 |
Q3 2022 |
Credit card loans rose 15% YoY to stand at SAR 22.12 billion for Q3 2022.
|
Credit Card Loans (SAR bln) |
|
|
Total |
Period |
|
12.71 |
Q1 2018 |
|
14.02 |
Q2 2018 |
|
14.95 |
Q3 2018 |
|
15.33 |
Q4 2018 |
|
15.63 |
Q1 2019 |
|
16.72 |
Q2 2019 |
|
18.28 |
Q3 2019 |
|
19.05 |
Q4 2019 |
|
20.29 |
Q1 2020 |
|
20.08 |
Q2 2020 |
|
20.56 |
Q3 2020 |
|
18.37 |
Q4 2020 |
|
17.76 |
Q1 2021 |
|
18.20 |
Q2 2021 |
|
19.19 |
Q3 2021 |
|
19.49 |
Q4 2021 |
|
19.60 |
Q1 2022 |
|
20.54 |
Q2 2022 |
|
22.12 |
Q3 2022 |
Details and Historical Data of Banks' Key Indicators and Comparisons
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