The latest financial data issued by the Saudi Central Bank (SAMA) strong positive indicators reflecting the robustness of the Kingdom's financial sector, with loans provided by Saudi banks and financial institutions recording a significant jump by the end of 2025. The monthly bulletin revealed an 11% , reaching record levels of approximately 3,404 billion riyals , compared to 3,058 billion riyals recorded in 2024.
Details of growth in the private and public sectors
According to a detailed analysis of the data, the private sector the largest share of these funds, reflecting its pivotal role in the current economic activity. Loans to the private sector reached SAR 3.147 trillion , marking a 10% year-on-year increase. Meanwhile, loans granted to non-financial government institutions witnessed significant growth of approximately 26% , reaching SAR 256.6 billion, indicating an accelerated pace of development project implementation.
Indicators for November 2025
Growth wasn't limited to the year-on-year closing figures; November 2025 data also showed significant credit activity, with total loans increasing by 12% compared to the same period in 2024, reaching SAR 3,389 billion. During this month, private sector loans reached SAR 3,142 billion, reflecting 11% growth, while loans to non-financial government institutions jumped by 28% to reach SAR 246.5 billion.
Indicators of economic growth and alignment with Vision 2030
This surge in bank lending is a direct result of the economic activity underway in Saudi Arabia under Vision 2030. This growth in lending is a vital indicator of the availability of liquidity needed to finance major projects and the expansion of corporate activities, which contributes to diversifying national income sources and reducing dependence on oil.
The rise in private sector financing also reflects the confidence of financial institutions in the Saudi business environment and the private sector's ability to drive economic growth and create more job opportunities. On the other hand, the significant growth in lending to non-financial government institutions indicates the continuation of strategic government spending on infrastructure and service projects aimed at improving the quality of life.
Financial stability and the role of the central bank
These figures confirm the success of the Saudi Central Bank's monetary policies in maintaining the stability of the financial sector while ensuring the flow of credit to productive sectors. These lending levels demonstrate the solvency of Saudi banks and their ability to meet the growing demand for financing, thus reinforcing the Kingdom's position as a leading regional financial center and attracting further foreign investment to the local market.
