Saudi banknotes
Mortgage loans provided to retail and corporate clients by commercial banks in Saudi Arabia rose 36% year-on-year (YoY) to SAR 533.5 billion in Q3 2021 from SAR 392.1 billion in a year earlier period, according to data issued by the Saudi Central Bank (SAMA).
Loans to retail clients, accounting for 77% of total mortgage loans, jumped 48% to SAR 412.6 billion in the three-month period from SAR 279.2 billion in Q3 2020.
Corporate loans grew by 7% YoY to SAR 120.8 billion in Q3 2021.
The following table illustrates the mortgage loans offered by banks since 2016:
|
Mortgage Loans (SAR bln) |
|||
|
Total (SAR bln) |
Corporate (SAR bln) |
Retail (SAR bln) |
Period |
|
188.53 |
82.24 |
106.29 |
Q1 2016 |
|
187.05 |
78.63 |
108.42 |
Q2 2016 |
|
197.59 |
88.10 |
109.48 |
Q3 2016 |
|
200.40 |
89.92 |
110.48 |
Q4 2016 |
|
204.66 |
93.05 |
111.60 |
Q1 2017 |
|
211.87 |
96.85 |
115.02 |
Q2 2017 |
|
213.64 |
96.47 |
117.17 |
Q3 2017 |
|
210.99 |
89.74 |
121.25 |
Q4 2017 |
|
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 |
On the other hand, consumer loans grew by 17% YoY during the three-month period to reach SAR 411.7 billion.
They include cars and equipment loans, as well as travel, education, and home improvement loans, among others.
The following table illustrates the consumer loans offered by banks since 2016:
|
Consumer Loans (SAR bln)* |
||||
|
Total (SAR bln) |
Others (SAR bln) |
Transportation, Furniture, Education, Healthcare & Tourism (SAR bln) |
Home Improvement (SAR bln) |
Period |
|
318.14 |
265.09 |
16.44 |
36.61 |
Q1 2016 |
|
320.97 |
269.77 |
17.50 |
33.70 |
Q2 2016 |
|
321.40 |
274.55 |
17.03 |
29.81 |
Q3 2016 |
|
318.27 |
273.50 |
15.69 |
29.08 |
Q4 2016 |
|
316.31 |
274.09 |
14.73 |
27.49 |
Q1 2017 |
|
315.10 |
274.46 |
14.43 |
26.22 |
Q2 2017 |
|
313.10 |
263.14 |
20.69 |
29.26 |
Q3 2017 |
|
317.66 |
255.52 |
32.12 |
30.03 |
Q4 2017 |
|
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 |
Credit card loans fell 7% YoY to stand at SAR 19.2 billion in the third quarter.
|
Credit Card Loans (SAR bln) |
|
|
Total |
Period |
|
10.33 |
Q1 2016 |
|
10.33 |
Q2 2016 |
|
11.41 |
Q3 2016 |
|
10.96 |
Q4 2016 |
|
10.43 |
Q1 2017 |
|
10.65 |
Q2 2017 |
|
11.56 |
Q3 2017 |
|
12.09 |
Q4 2017 |
|
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 |
Details and historical data of banks' key indicators and comparisons
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