Bank credit extended to the public and private sectors in Saudi Arabia reached SAR3,126,381 million (over SAR3.126 trillion) by the end of April 2025, according to the monthly statistical bulletin released by the Saudi Central Bank (SAMA). This represents an annual growth of 16.5 percent and an increase of more than SAR443,018 million (SAR443.018 billion) compared to the same period in 2024, when bank credit was SAR2,683,363 million (over SAR2.683 trillion).
On a quarterly basis, bank credit continued to grow across all levels, recording a 5 percent increase compared to the fourth quarter of 2024, translating to an increase of SAR146,411 million (SAR146.411 billion). By the end of the first quarter of 2025, bank credit rose from SAR2,955,550 million (over SAR2.955 trillion) to SAR3,101,961 million (over SAR3.101 trillion).
Month-over-month, bank credit grew by 0.8 percent, rising by SAR24,420 million (SAR24.420 billion) compared to March 2025, when it stood at SAR3,101,961 million. The distribution of bank credit across more than 17 diverse economic activities plays a crucial role in driving comprehensive and sustainable economic growth, contributing to the objectives of Saudi Vision 2030.
Long-term credit dominates Saudi bank lending
According to SAMA data, long-term credit (for periods exceeding three years) constituted 49 percent of total bank credit, valued at SAR1,524,687 million (over SAR1.524 trillion). Short-term credit (for less than one year) represented 36 percent, amounting to SAR1,135,757 million (over SAR1.135 trillion), while medium-term credit (for one to three years) made up approximately 15 percent, totaling SAR465,937 million (SAR465.937 billion).
