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About the Bank Learn about the Bank’s strategy Learn about the Bank’s governance policies, practices and standards The Bank’s financial performance Statements from senior decision-makers of the Bank Relationships with customers, business partners and investors The Bank’s environmental and societal commitment

About this Report

This is our second consecutive Integrated Report, one which builds further on the new approach to reporting we adopted in 2017. It is a concise communication about how our strategy, governance, performance and prospects, in the context of the external environment, leads to creation of value over the short, medium and long term.

This new approach to reporting balances the need to communicate effectively through concise, relevant information while at the same time providing comprehensive compliance-related disclosures. Our Integrated Report thus is presented in two primary formats as seen in the previous section.

Report boundary

The Report largely covers operations of The Saudi Investment Bank (referred to as “SAIB”) only, unless otherwise stated. The boundary for financial reporting includes SAIB and its subsidiaries and associate companies (referred to as “Bank”).

Reporting period

Our reporting covers the period from January 1, to December 31, 2018, and is consistent with our usual annual reporting cycle for financial and sustainability reporting. There are no restatements of information provided in previous reports and no significant changes from previous reporting periods in the scope and aspect boundaries.

The most recent previous Integrated Report covered the 12-month period ended December 31, 2017.

This Integrated Report has been issued in both English and Arabic, in the event of any discrepancy the Arabic version shall prevail.


The information contained herein, as in the past, is in compliance with all applicable laws, regulations and standards. In preparing this Integrated Report we have drawn on concepts, principles and guidelines given in the International Integrated Reporting Framework <IIRC> and the Smart Integrated Reporting MethodologyTM.

This Report has been prepared in accordance with the GRI Standards: Core option.

The Consolidated Financial Statements of the Group have been prepared in accordance with International Financial Reporting Standards (IFRS) as modified by SAMA for the accounting of Zakat and Income Tax (relating to the application of International Accounting Standard (IAS) 12 “Income Taxes” and IFRIC 21 – “Levies” in so far as these relate to accounting for Saudi Arabian Zakat and Income Tax); and are in compliance with the provisions of the Banking Control Law, the Regulations for Companies in the Kingdom of Saudi Arabia and the Bank’s Articles of Association.


The Bank’s Corporate Communication Group is the custodian of this Report and for comments or queries please contact the Head of CSR at Head Office, The Saudi Investment Bank.

Reading this Integrated Report

The Bank uses a variety of media in communicating a cohesive story. In this printed version, cross-referencing has been given to various sections within the report, where relevant, as shown below. Apart from this printed version, a detailed view of our story is accessible through the online version, which has been referenced as shown below, throughout this report where relevant.

Further information could be found elsewhere in this printed version of the Integrated Report.

Additional information that supplement the printed version is available in the online version of this Integrated Report.


GRI Indicators GRI 102-46, 102-48, 102-49, 109-50, 102-51, 102-52, 102-53, 102-54