Banks and finance
Deposits, bank credit, interest rates, and card and cash payments, month by month, from the Saudi Central Bank bulletins.
What the words mean: «to» is the balance outstanding on that date, «in» is the movement during that month itself.
Bank deposits · Jul 2026
All balances held at commercial banks: individuals, companies and government bodies.
Total customer deposits at commercial banks at the end of each month. Source: Saudi Central Bank, bank deposits ↗.
Bank credit by sector · Jul 2026
All outstanding financing and credit facilities extended to economic activities.
| Sector | billion riyals | Share | Year-on-year change |
|---|---|---|---|
| Other service activities | 1,645 | 47.9% | ▲ 4.5% |
| Real estate activities | 417 | 12.1% | ▲ 10.5% |
| Electricity, gas, steam and air conditioning supply | 254 | 7.4% | ▲ 24.5% |
| Wholesale and retail trade; repair of motor vehicles | 218 | 6.3% | ▲ 2.3% |
| Manufacturing | 205 | 6.0% | ▲ 5.1% |
| Financial and insurance activities | 191 | 5.6% | ▲ 10.2% |
| Construction | 147 | 4.3% | ▲ 2.9% |
| Transportation and storage | 78 | 2.3% | ▲ 13.2% |
| Administrative and support service activities | 77 | 2.2% | ▲ 8.8% |
| Accommodation and food service activities | 60 | 1.8% | ▲ 1.7% |
| Mining and quarrying | 47 | 1.4% | ▼ 1.1% |
| Human health and social work activities | 34 | 1.0% | ▲ 27.2% |
| Information and communication | 28 | 0.8% | ▼ 2.9% |
| Professional, scientific and technical activities | 14 | 0.4% | ▲ 27.2% |
| Agriculture, forestry and fishing | 10 | 0.3% | ▼ 31.8% |
| Education | 8 | 0.2% | ▼ 0.7% |
The «other services» line holds financing the source does not assign to a sector, and may include part of retail lending.Read more
Interest rates · Jul 2026
The rate banks lend to each other at, and the reference for pricing business finance.
What it means for financing: business credit, and part of property finance, is priced at SAIBOR plus the bank's margin.Read more
SAIBOR: the average three-month interbank rate between Saudi banks. Repo: the rate the central bank lends to banks at (4.25%). Reverse repo: the return paid on banks' deposits at the central bank (3.75%). Source: Saudi Central Bank, interest rates ↗.
Card payments and cash withdrawals · July 2026
The card share of point-of-sale sales and cash withdrawals together
How it is measured: point-of-sale sales ÷ (point-of-sale sales + cash withdrawals), calculated by Riyal Business.Read more
The measure shows the direction of payment habits, not how much of the withdrawn cash was actually spent or on what. Withdrawals cover the mada network and bank ATMs, and point-of-sale sales exclude card payments made online. Sources: Saudi Central Bank, point-of-sale transactions ↗ · Saudi Central Bank, cash withdrawals ↗ · Saudi Central Bank, ATMs and cards ↗.
Bank cards issued
The number in service at the end of each month. In July 1996 there were 2.4 million cards and1,220 ATMs, and by July 2026 there were 70.1 million cards and14,369 ATMs.Read more
Source: Saudi Central Bank, ATMs and cards ↗.
ATMs in service
The number in service at the end of each month since July 1996.Read more
The peak was 18,882 in December 2019, and today it is 14,369. Source: Saudi Central Bank, ATMs and cards ↗.