RIYADH: Saudi finance companies’ outstanding credit reached SR99.37 billion ($26.5 billion) at the end of the second quarter of 2025, marking a 10.2 percent increase compared to the same period last year.
According to latest data from the Saudi Central Bank, also known as SAMA, this figure represents only about 3.12 percent of the total financing extended by the Kingdom’s commercial banks, underscoring the still-modest but growing footprint of non-bank lenders in the financial system.
Personal loans and auto financing dominated the portfolio of these companies, reflecting their consumer-centric focus. Individual finance accounted for the largest share at around 29 percent of total credit facilities, roughly at SR28.7 billion.
Auto financing was the second-biggest segment at about SR25.93 billion, followed closely by residential real estate loans, which comprised 23 percent or approximately SR23 billion of the total.
Other, smaller lending activities registered even faster year-on-year growth, albeit from a lower base. Credit card finance, for instance, jumped by about 31.5 percent over the year to reach SR2.12 billion, making it one of the fastest-growing segments.
