The Saudi Economy Is Cohesive and Rising with Confidence

Riyadh | BETH

Bank credit granted to the public and private sectors in the Kingdom continued its upward growth trajectory, reaching its highest level by the end of 2025 with a total of approximately SAR 3.3 trillion, marking an annual growth of 11.5%, an increase exceeding SAR 340.6 billion compared with 2024, when credit stood at about SAR 2.9 trillion.

The monthly statistical bulletin issued by the Saudi Central Bank (SAMA) for December 2025 showed that bank credit also recorded quarterly growth of 1%, an increase exceeding SAR 34 billion compared with the end of the third quarter of the same year, when it reached around SAR 3.2 trillion.

The data also showed that bank credit increased on a monthly basis by the end of December by 0.4%, with an increase exceeding SAR 13.9 billion compared with the end of November, when it stood at SAR 3.282 trillion.

The bulletin indicated that bank credit granted to the public and private sectors was distributed across various economic activities, enhancing the achievement of comprehensive and sustainable economic growth, and supporting the objectives of Saudi Vision 2030 in developing the financing environment and expanding investment across vital sectors.

The data showed that long-term credit (more than three years) accounted for the largest share of total credit at 49%, valued at SAR 1.605 trillion, while short-term credit (less than one year) represented about 38%, valued at SAR 1.250 trillion. Medium-term credit (one to three years) accounted for 13% of the total, valued at SAR 440.035 billion.

BETH Comment

The continued growth of bank credit in the Kingdom reflects the financial sector’s confidence in the strength of the Saudi economy and the expanding investment opportunities, while also indicating rising demand for financing across multiple sectors linked to economic transformation projects.

The increase in the share of long-term credit reveals a growing orientation toward financing major projects, infrastructure, and strategic investments, which aligns with the wave of mega-projects currently underway in the Kingdom as part of Vision 2030.

The acceleration of financing also reflects the transformation of the banking sector from a traditional lending role to a key driver of economic transformation financing, enhancing the Saudi economy’s ability to achieve sustainable growth and diversify sources of income in the coming years.