Financial and insurance activities

In the second quarter of 2026, the real Gross Domestic Product (GDP) in Financial and insurance activities amounted to ⃁ 79.3 billion. Additionally, the nominal GDP recorded a value of ⃁ 84.7 billion, while the seasonally adjusted real GDP stood at ⃁ 83.2 billion.

The graph shows the quarterly evolution of the real, nominal and seasonally adjusted real Gross Domestic Product (GDP) in the Financial and insurance activities sector.

Note: Sectors have been reclassified as per ISIC 4 standard.

The Real GDP and Seasonally Adjusted Real GDP are calculated by Gastat using the Chain-Linked Methodology.

In July 2026, the SADAD system payments value in Financial and insurance activities sector reached ⃁ 21.3 billion, being 12.5% higher than the previous month and 26.9% higher than the same month from the previous year.

The graph shows the monthly evolution of the SADAD system payments value in Financial and insurance activities sector.

Note: Sectors have been reclassified as per ISIC 4 standard.

During July 2026, the Financial and insurance activities sector secured ⃁ 191.4 billion in commercial bank credits, lower by 2.1% than the value of the previous month and higher by 10.2% compared to the same month of the previous year.

The graph shows the monthly evolution of commercial bank credits in Financial and insurance activities sector.

Note: Sectors have been reclassified as per ISIC 4 standard.

In 2025, the Financial and insurance activities sector recorded ⃁ 161.1 million in finance company credit to non-retail, marking a 3.2% decrease compared to the previous year.

The graph shows the annual evolution of the finance companies' credit to non-retail in the Financial and insurance activities sector.

Note: Sectors have been reclassified as per ISIC 4 standard.

In the fourth quarter of 2023, there were 15 registered in the Financial and insurance activities sector, representing a 11.8% decrease compared to the previous period.

The graph shows the quarterly trend in the number of foreign licenses obtained by the Financial and insurance activities sector.

Note: Sectors have been reclassified as per ISIC 4 standard.

In 2024, the finance and guarantee of Saudi exports amounted to ⃁ 199.0 million, being higher in 99.0% compared to the previous year.

The graph shows the amounts of finance and guarantee of Saudi exports by year in the Financial and insurance activities sector.

Note: Sectors have been reclassified as per ISIC 4 standard.

In 2024, the Foreign Direct Investment (FDI) stock reached ⃁ 126.2 billion, marking an increased of 12.5% compared to the previous year.

The graph shows the annual evolution of the FDI stock in the Financial and insurance activities sector.

In 2024, the Foreign Direct Investment (FDI) Inflow amounted to ⃁ 16.2 billion, while the FDI Outflow stood at ⃁ 2.2 billion. Consequently, the FDI Net Inflow was ⃁ 14.0 billion, reflecting a decreased of 4.4% compared to the previous year.

The graph illustrates the annual progression of FDI Inflow and Outflow in the Financial and insurance activities sector. The line chart represents the FDI Net Inflow.

Note:

FDI inflows: Financial transactions that arise between the FDI institution, direct investors and related companies outside the Saudi economy, which occur during a certain period of time, and form inflows when their positive impact appears in excess of equity and/or debt instruments.

FDI outflows: These are financial transactions that arise between the Foreign Direct Investment Corporation, direct investors, and related companies outside the Saudi economy, and which occur during a certain period of time. They are outflows when their impact appears in a decrease in the side of obligations, such as paid dividends or repayment of loans and credit receivables, or when the foreign shareholder exits.

FDI net inflow: It represents the difference between inflows and outflows of foreign direct investment inflows.

In the first quarter of 2026, the percentage distribution of employed people in Financial and insurance activities sector reached 1.1%, with 1.0% for men and 1.2% for women.

The graph shows the quarterly evolution of the percentage distribution of employed people by gender in Financial and insurance activities sector.

Note: Sectors have been reclassified as per ISIC 4 standard.

During the third quarter of 2023, the average hours worked by Saudi men were 41.9, compared to 42 hours for non-Saudi men. Likewise, Saudi women averaged 41.2 hours, while non-Saudi women worked an average of 42.8 hours.

The graph shows the average weekly working hours by gender and nationality in Financial and insurance activities sector.

Note: Sectors have been reclassified as per ISIC 4 standard.

During the first quarter of 2026, a total of 108,670 participants on the job Subject to the rules and regulations of social insurance were registered in the Financial and insurance activities sector, with 73.3% being men (79,703 participants) and 26.7% women (28,967 participants).

The graph shows the quarterly evolution of the number of participants on the job Subject to the rules and regulations of social insurance by gender in the Financial and insurance activities sector.

Note: Sectors have been reclassified as per ISIC 4 standard.

In 2022 on-the-job subscribers in the private sector was 54,225 for Saudi men and 15,502 for non-Saudi men. On-the-job subscribers was 18,232 for saudi women and 625 for non-Saudi women.

The graph shows on-the-job subscribers in the private sector by gender and nationality in Financial and insurance activities sector.

Note: Sectors have been reclassified as per ISIC 4 standard.

In 2018, there were 6,614 establishments registered in the Financial and insurance activities sector, of which 39.6% had less than 5 employees, 48.4% had between 5 and 19 employees and 12% had more than 20 employees.

The graph shows the annual distribution of establishments categorized by size based on the number of employees in the Financial and insurance activities sector.

Note: Sectors have been reclassified as per ISIC 4 standard.

In 2024, the operating revenues reached ⃁ 250.5 billion, while operating expenses amounted to ⃁ 77.8 billion, resulting in an operating surplus of ⃁ 132.6 billion for the year.

The graph shows the annual evolution of operating expenses and operating revenues, with the line representing the operating surplus each year.

Note: Sectors have been reclassified as per ISIC 4 standard.

In 2017 net assets reached an amount of ⃁ 3.4 billion, being lower in 14.9% compared to the previous year.

The graph shows the annual evolution of net assets in Financial and insurance activities sector.

Note: Sectors have been reclassified as per ISIC 4 standard.

In 2024, the operating revenues reached ⃁ 1.7 billion in micro establishments, while operating expenses amounted to ⃁ 718.9 million, generating a surplus of ⃁ 785.9 million.

The graph shows the annual evolution of operating expenses and operating revenues, with the line representing the operating surplus each year in Financial and insurance activities sector for micro establishments.

Note: Sectors have been reclassified as per ISIC 4 standard.

In 2024, micro enterprises of the Financial and insurance activities sector spent ⃁ 188.6 million in employee compensation, while small enterprises spent ⃁ 1.7 billion and medium-sized enterprises spent ⃁ 7.7 billion. This amounts to a total of ⃁ 9.6 billion for the Financial and insurance activities sector.

The graph shows employee compensation by enterprise size over the years in Financial and insurance activities sector.

Note: Sectors have been reclassified as per ISIC 4 standard.

In 2024, the number of active enterprises in Financial and insurance activities sector was 4,110.

The chart shows the number of Active Enterprises in Financial and insurance activities sector by year.

In July 2026, the Operating Revenues Index in Financial and insurance activities sector stood at 124.8.

The chart shows the monthly evolution of the Operating Revenues Index in Financial and insurance activities sector.

According to the Digital Economy Survey carried out by the General Authority for Statistics in 2022, in the Financial and insurance activities sector the use of having account on social media platforms (71.8%) and using systems or devices connected to the Internet (65.2%) are highlighted as the most relevant indicators of adoption and use of the digital economy.

The graph shows the percentage of establishments in the Financial and insurance activities sector according to indicators of use and adoption of the digital economy.