LIQUIDITY MANAGEMENT

Our Money Market team offers tailored solutions to support customers in optimizing their liquidity management. By working through dedicated channels, we ensure competitive pricing and the effective deployment of surplus funds. These funds can be invested across short, medium, or long-term horizons through Shariah-compliant instruments such as Murabaha deposits and Mudharaba call accounts, as well as conventional call accounts and time deposits.

FOREIGN EXCHANGE

The team helps clients managing their FX exposure with solutions ranging from a simple FX transaction to more exotic FX products. The team’s holistic approach means they work closely with clients, and offer solutions that are tailor-made to suite clients need.

STRUCTURED PRODUCTS

The Treasury Structured Solutions evaluates the Clients financial exposure, hedge the Clients exposure, and protect the Clients bottom line by tailor-made hedging solutions that fits the Client’s needs/requirements. Moreover, The Structured Solutions Desk will also provide investment ideas or investment opportunities on all asset classes based on the Clients risk appetite. All the products provided to our Clients can either be Conventional or Shariah-Compliant based on the Clients request.

Solutions

  • Interest-Rate Derivatives
  • Foreign Exchange Derivatives
  • Commodity Derivative
  • Structured Deposit

INVESTMENT DEPARTMENT

The Treasury Investment Department manages a wide variety of asset classes for the Bank’s proprietary portfolio.

Its investments in Fixed Income Securities, which is the largest asset class includes:

  • Saudi Sovereign/Quasi-Sovereign/Corporate/Financial Bonds and Sukuk
  • GCC Sovereign/Quasi-Sovereign/Corporate/Financial Bonds and Sukuk
  • International Corporate/Financial Bonds.

As a principal, the Treasury Investment Department from time to time may offer to sell/buy blocks of securities to re-balance its portfolio or balance sheet.

FINANCIAL INSTITUTIONS

  • The Financial Institutions Department (FID) is in charge for establishing and maintaining banking relationships with international banks and local banks.
  • SAIB has a vast network of international counterparties with access to several geographic points globally.

Solutions

  • Trade finance
  • Cash management (Nostro & Vostro)
  • Support Treasury/Investment services.

PUBLIC INSTITUTIONS

The Public Institutions department offers a set of services to the government entities, the semi-government and public institutions to build a strategic partnership through our products and banking solutions that will enhance the relationship between the bank and public institutions and its employees.

Solutions

  • Asalah Accounts
  • Traditional account
  • Treasury and Investment products
  • Time and Murabaha deposits
  • Structured Products
  • Flex Business
  • Payroll services

Strategic Investments

Strategic Investments & Treasury Projects Department is responsible for monitoring the Bank's Strategic Investments, and managing SAIB's shareholding relationship with these companies. The Bank's strategic investments include the following: