Arab National Bank was established in 1979, by Royal Decree M/38, taking over the existing operations of Arab Bank in the Kingdom of Saudi Arabia. ANB, a Saudi Listed Joint Stock Company, now ranks among the 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 4 decades, 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 255 premises spanning over the Kingdom. These include upwards of 143 branches (of which 12 are Ladies’ Sections) 11 sales centers, 86 remittance centers (TeleMoney), 10 SME centers, and 5 corporate branches.

To keep pace with the digital transformation and create an experience that customers are genuinely looking for, ANB offers a wide range of self-service financial solutions through 5 fully-fledged digital branches.

Recognizing the need to serve customers in a convenient and timely manner, the Bank also has 1,200 ATMs, 28,500 point-of-sale terminals and easy to use online and mobile banking applications.  

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.

ANB Invest 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. ANB Invest 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 third parties.

ANB Invest 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. The company has three main shareholders: Dar Al Arkan Real Estate Development Company, the largest residential developer in the Kingdom, the International Finance Corporation (IFC), and ANB, which holds a 40% stake. 

Al-Arabi Heavy Equipment Leasing (AHEL), a 87.5% crane and heavy equipment rental subsidiary of ANB, was formed in 2009 to cater for the growing needs for equipment leasing in Saudi Arabia, providing reliable and competitive lifting solutions to customers in the construction, oil & gas, petrochemical, power and utilities industries.


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 profit after zakat and income tax attributable to equity holders of the bank (for the Period ended 31-12-2020)  

USD 552.6 Million

Assets (31-12-2020)

USD 48.1 Billion

Customer Deposits (31-12-2020)

USD 34.5 Billion

Shareholders’ Equity (31-12-2020)

USD 7.9 Billion



Standard & Poor's :
BBB+ (Stable Outlook)
Moody's :
A2 (Negative Outlook)
Fitch :
BBB+ (Stable Outlook)



Retail and Private Banking:
Serving the Individual customer, ANB offers a wide suite of products and 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 ensure that the right products are offered to the right customers throughout the different stages of their financial life-cycle.

Corporate Banking:
ANB’s Corporate Banking Group (CBG) 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 to International and Joint Venture companies. CBG operates from ANB’s Head Office in Riyadh and is supported by 2 regional offices in Jeddah and Khobar. Additionally, Corporate Banking customers have access to the extensive network of branches covering the Kingdom and benefit from bespoke solutions.

Treasury Services: 

Treasury provides a wide range of standard and customized products and services. These include trading, hedging and investment products. The Bank offers a web-based solution for e-trading, allowing customers to diversify their portfolio into international assets that are not tightly correlated with the local markets.

Project & Structured Finance: 
ANB is one of the Kingdom’s leading projects 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 positions 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 for being a ‘Thought Leader’ in the field of Project and 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 and performs an important role in supporting the international business interests of the Bank’s clientele in the United Kingdom. The London office offers its UK clients personal and corporate facilities, trade finance and treasury services.



The Bank is fully committed to act, at all times, as a good corporate citizen. It assumes its social responsibility role through the advancement of community causes and the continuous support to charitable and social institutions across the country.


Bylaws of Arab National Bank