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1st of August 2014
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Arab National Bank

ANB HERITAGE

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 amongst 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 35 years, ANB has been committed to live up to its brand promise of being “A Friend Indeed”.


ANB GROUP

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 297 premises spanning over the Kingdom. These include upwards of 197 branches (of which 46 are Ladies’ Branches/ Sections) 93 remittance centers (TeleMoney) and 7 sales centers.

Complementing the traditional distribution points, ANB has 1,100 ATMs, around 11,000 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.

Al-Arabi 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, MetLife Alico and Chartis (AIG) as joint-venture partners.


VISION

A Prominent,  Quality  Arab  Bank


BRAND PROMISE

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.


FINANCIAL HIGHLIGHTS

Net income:
USD 673 million for the year 2013
Assets:
USD 36.8 billion (31-12-2013)
Customer Deposits: 
USD 28.4 billion (31-12-2013)
Shareholders’ Equity:
USD 5.1 billion (31-12-2013)

CREDIT RATINGS

Standard & Poor's :
A
Moody's :
A1
Fitch :
A
Capital Intelligence :
A+


CORE ACTIVITIES

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 nearly 200 ANB branches covering the Kingdom and benefit from bespoke solutions.

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 Bank actively supports small businesses operating in the Kingdom with dedicated and specialized teams in each region. ANB is an active participant in the “Kafala” guarantee scheme. The Bank has recently setup a fully dedicated SME unit, with the strategic remit of further expanding this business in the years to come.

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.


STRATEGIC INVESTMENTS

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

ANB Invest

ANB Invest, the investment banking arm of ANB, is a fully integrated Authorized Person regulated by the Capital Markets Authority. It offers brokerage, asset management and corporate advisory services.

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)

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. SHL 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. 

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 of 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 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 first quarter of 2013.

Al-Arabi Heavy Equipment Leasing (AHEL)

AHEL, a 62.5% crane and heavy equipment leasing subsidiary of ANB, was formed in partnership with, the Consolidated Contractors Company, the pre-eminent construction company in the Middle East, and Ejar Cranes & Equipment Company, a Dubai-based specialized company, to cater for the growing needs for equipment leasing in Saudi Arabia.


CORPORATE SOCIAL RESPONSIBILITY

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.


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