Saudi Arabia's bank capital to assets ratio (%) was 13.86% in 2025, the latest year in the World Bank's World Development Indicators. That is down 0.04 percentage points from 13.9% in 2015.
Key figures
| Value | Year | |
|---|---|---|
| Latest | 13.86% | 2025 |
| Five years earlier | 14.59% | 2020 |
| Ten years earlier | 13.9% | 2015 |
| Highest | 15.42% | 2017 |
| Lowest | 11.53% | 2009 |
| Average since 2016 | 14.34% | 2016–2025 |
| First recorded | 11.53% | 2009 |
What the numbers say
In 2025, Saudi Arabia's bank capital to assets ratio (%) rose 0.41 percentage points on 2024 (from 13.45% to 13.86%).
Across the 15 yearly changes before that (2010 to 2024), the average change was +0.13 percentage points and a typical year strayed about 0.53 percentage points from that (the standard deviation). This year's change was 0.5 standard deviations above that average, so it was an ordinary year: it sits within the range of normal year-to-year movement.
On record, the biggest yearly rise was 0.9 percentage points in 2016 and the biggest yearly fall was 0.77 percentage points in 2019. The numbers show how large and when, not why; for the cause, look at what happened in that country in those years.
From 2016 to 2025 the straight-line trend is downward, about 0.19 percentage points a year. A straight line explains 78% of the movement over 10 observed years.
Worked out from the yearly values above. How the checks work: standard deviation, z-scores and straight-line trends.
How it compares
In 2025, Saudi Arabia had the 7th highest value of the 81 economies reporting that year. Higher is not always better: for some indicators the lowest value is the one to aim for. See the full ranking.
Closest to Saudi Arabia in the 2025 ranking
- Tonga — 4th of 81: 15.08%
- Kazakhstan — 5th of 81: 14.47%
- Kyrgyz Republic — 6th of 81: 14.36%
- St. Kitts and Nevis — 8th of 81: 13.07%
- Indonesia — 9th of 81: 13.01%
- Iceland — 10th of 81: 12.98%
What this measures
The indicator is a measure of capital adequacy that evaluates the financial strength of deposit takers by comparing Tier 1 capital to total assets. Tier 1 capital, often referred to as core capital, includes the most stable and readily available forms of capital, such as common equity, disclosed reserves, retained earnings, and certain other instruments that meet regulatory requirements under the Basel framework. This capital is considered the highest quality because it is fully available to cover losses and does not need to be repaid.
Limitations: Reporting countries compile the data using different methodologies, which may also vary for different points in time for the same country. Users are advised to consult the accompanying metadata on the IMF FSI website (data.imf.org) to conduct more meaningful cross-country comparisons or to assess the evolution of the indicator for any of the countries.
All 17 values
| Year | Bank capital to assets ratio (%) |
|---|---|
| 2025 | 13.86 |
| 2024 | 13.45 |
| 2023 | 13.73 |
| 2022 | 14 |
| 2021 | 13.95 |
| 2020 | 14.59 |
| 2019 | 14.43 |
| 2018 | 15.19 |
| 2017 | 15.42 |
| 2016 | 14.8 |
| 2015 |
Bank capital to assets ratio (%) in nearby economies
- Algeria — 9.11% (2024)
- Djibouti — 7.92% (2024)
- Iraq — 13.86% (2024)
- Israel — 7.31% (2024)
- Jordan — 10.49% (2024)
- Kuwait — 11.41% (2025)
- Malta — 8.02% (2025)
- Pakistan — 5.21% (2025)
- United Arab Emirates — 11.28% (2024)
- West Bank and Gaza — 8.51% (2023)
More financial sector data for Saudi Arabia
- GDP deflator (base year varies by country) — 97.69 (2025)
- DEC alternative conversion factor (LCU per US$) — US$3.75 (2025)
- Official exchange rate (LCU per US$, period average) — US$3.75 (2025)
- Inflation, GDP deflator (annual % growth) — -2.57% (2025)
- Consumer price index (2010 = 100) — 137.21 (2025)
- Domestic credit to private sector by banks (% of GDP) — 64.31% (2025)
- Inflation, consumer prices (annual % growth) — 2.04% (2025)
- Net foreign assets (current LCU) — 2 trillion (2017)
- Monetary sector credit to private sector (% of GDP) — 50.14% (2017)
Reading data like this
Questions people ask
- What is Saudi Arabia's bank capital to assets ratio (%)?
- 13.86% in 2025, according to the World Bank (World Development Indicators).
- How has it changed since 2009?
- It is up 2.33 percentage points from 11.53% in 2009. The highest value was 15.42% in 2017 and the lowest 11.53% in 2009.
- How does Saudi Arabia rank?
- 7th highest of 81 economies with data for 2025.
- Is the latest change in bank capital to assets ratio (%) unusual for Saudi Arabia?
- In 2025, Saudi Arabia's bank capital to assets ratio (%) rose 0.41 percentage points on 2024 (from 13.45% to 13.86%). Across the 15 yearly changes before that (2010 to 2024), the average change was +0.13 percentage points and a typical year strayed about 0.53 percentage points from that (the standard deviation). This year's change was 0.5 standard deviations above that average, so it was an ordinary year: it sits within the range of normal year-to-year movement.
Source
World Bank, World Development Indicators, indicator FB.BNK.CAPA.ZS, licensed CC BY 4.0. Original source: Financial Soundness Indicators, International Monetary Fund (IMF), uri: https://data.imf.org/en/datasets/IMF:EXTERNAL_DATASET_CARDS/IMF.STA:LFSI Figures are fetched from the World Bank API and refreshed monthly; see the series on data.worldbank.org. The full definition and method are in the World Bank's metadata glossary. Comparisons use the same World Bank release.
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