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Economic & Sector Work :: Financial Sector Assessment Program (FSAP)

Financial Sector Assessment : Saudi Arabia

ATM AUCTION AUCTION PROCESS BANK ASSETS BANK CAPITAL BANK HOLDING COMPANIES BANK LIABILITIES BANK LOANS BANK RECAPITALIZATION BANK SUPERVISION BANKING INDUSTRY BANKING LEGISLATION BANKING SECTOR BANKING STRUCTURE BANKING SUPERVISION BANKING SYSTEM BANKS BID BOND BOND ISSUANCE BOND MARKET BOND MARKETS BOND PORTFOLIOS BONDS BROKERS CALL CAPITAL MARKET CAPITAL MARKET REGULATION CAPITAL MARKETS CAPITALIZATION CAPS CERTIFICATES CHECK CLEARING CLEARING HOUSE COLLATERAL COMMERCIAL BANKS CONFIDENTIALITY CONNECTED LENDING CONNECTED PARTIES CONSOLIDATED SUPERVISION CONSUMER LOANS CONVERTIBLE BONDS CORPORATE BORROWERS CORPORATE GOVERNANCE CORPORATE PERFORMANCE COUNTERPART CREDIT INSTITUTIONS CREDIT RISK CREDIT RISKS CREDIT TRANSFERS CURRENT ACCOUNTS CUSTODIAN CUSTODIANS CUSTODY DEALERS DEBT DEBT MANAGEMENT DEBT SECURITIES DEFICIT FINANCING DEMAND DEPOSITS DERIVATIVE MARKETS DERIVATIVES DISPOSABLE INCOME DOMESTIC MONEY MARKETS DOUBTFUL LOANS ECONOMIC DEVELOPMENT ECONOMIC POLICIES EMERGING MARKETS EMPLOYMENT EQUITY STAKE EUROPEAN CENTRAL BANK EXCESSIVE RISK EXCESSIVE RISK TAKING EXPENDITURES EXPOSURE FINANCIAL AUTHORITIES FINANCIAL INFORMATION FINANCIAL INSTITUTIONS FINANCIAL INSTRUMENTS FINANCIAL INTERMEDIATION FINANCIAL LEASING FINANCIAL MARKETS FINANCIAL POLICIES FINANCIAL POLICY FINANCIAL SECTOR FINANCIAL SERVICES FINANCIAL STATEMENTS FINANCIAL SYSTEM FINANCIAL TRANSACTIONS FLOATING RATE NOTES FOREIGN ASSETS FOREIGN BANKS FOREIGN CURRENCY GOVERNMENT SECURITIES GROSS SETTLEMENT GROSS SETTLEMENT SYSTEM HEDGE FUNDS HEDGING HOUSING HOUSING DEMAND HOUSING FINANCE INCOME INDEBTEDNESS INSIDER TRADING INSTITUTIONAL FRAMEWORK INSURANCE INSURANCE COMPANIES INSURANCE MARKETS INTEGRITY INTEREST RATE INTEREST RATE SWAP INTEREST RATE SWAPS INTEREST RATES INTERNATIONAL SECURITIES INTEROPERABILITY INVENTORY INVESTMENT FUND INVESTMENT FUNDS INVESTMENT PORTFOLIOS INVESTOR CONFIDENCE ISLAMIC FINANCE JUDICIAL SYSTEM LAWS LEASING LEASING COMPANIES LEGAL FRAMEWORK LEGAL PROTECTION LEGAL PROVISIONS LIQUIDITY LIQUIDITY RISK LOAN CLASSIFICATION LOAN GUARANTEE MARKET PARTICIPANTS MARKET RISK MARKET VALUE MATURITIES MATURITY MONETARY POLICY MONETARY UNION MONEY LAUNDERING MONEY MARKET MORTGAGES MOVABLE PROPERTY MUTUAL FUNDS NET FOREIGN ASSETS NETTING NONBANK FINANCIAL INSTITUTIONS NONBANK INSTITUTIONS NONBANKS NONPERFORMING LOANS OFFERINGS OIL OVER THE COUNTER PAYMENT CARDS PAYMENT INSTRUMENTS PAYMENT ORDERS PENSIONS PORTFOLIO PORTFOLIOS PRICE RISK PRODUCTIVITY PROFITABILITY PUBLIC INVESTMENT PUBLIC POLICY PURCHASES QUOTAS REAL ESTATE REGULATORY APPROACHES REGULATORY FRAMEWORK RESERVE REQUIREMENTS REVERSE REPURCHASE RISK TAKING SAFETY NETS SECURITIES SECURITIES SETTLEMENT SECURITIES SETTLEMENT SYSTEMS SETTLEMENT SETTLEMENT SYSTEM SETTLEMENT SYSTEMS SHARE CAPITAL SHAREHOLDINGS STOCK EXCHANGE STOCK EXCHANGES SUBSTANDARD LOANS SUPERVISORY FRAMEWORK TRANSPARENCY TREASURY BILLS UNEMPLOYMENT UNIVERSAL BANKING YIELD CURVES
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Washington, DC
Middle East and North Africa | Saudi Arabia
2013-09-30T21:33:26Z | 2013-09-30T21:33:26Z | 2005-01

The capacity of the banking sector to respond to macroeconomic shocks, and regional uncertainties have been strengthened considerably over the past decade. Historically, the operating environment has been volatile as a result o f pervasive dependence on the hydrocarbon sector and swings in investor confidence associated with uncertainty in the region. This experience has helped shape fairly risk-averse portfolios: the bank-led financial system has functioned with substantial capital-adequacy ratios (CAR), loan-loss provisions, and liquidity buffers. The sector is highly profitable, with returns on assets averaging above 2 percent, supported by a large, low-cost demand deposit base. These buffers are underpinned by an effective regulatory and supervisory structure that proactively contains risk taking through the use o f maximum loan-deposit ratios, caps on individual and corporate indebtedness, and pre-approval requirements on foreign lending. The sector is supported by a modem and efficient payment and settlement infrastructure.

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