Liquidity & Money Supply — Progress Tracker

Sun, 22 Feb 2026 00:00:00 +0000

Saudi Arabia Liquidity & Money Supply KPI Tracker

On Track — Saudi Arabia’s financial system liquidity has remained adequate to support Vision 2030’s ambitious investment and lending programmes, with broad money supply (M3) growing at approximately 8 to 10 per cent annually and the banking system maintaining healthy capitalisation and liquidity ratios.

Key Metrics

Metric	Value
M3 Money Supply (2016)	SAR 1.76T
M3 Money Supply (2024)	SAR 2.75T (est.)
M3 Growth (2024)	~8.5% y/y
Bank Credit Growth	~10.2% y/y
Loan-to-Deposit Ratio	~95%
Banking Sector Capital Adequacy	19.2%
Non-Performing Loans	1.6%
SAMA Reverse Repo Rate	5.50%

Trend Analysis

Saudi Arabia’s financial system has successfully navigated the complex demands of simultaneously funding Vision 2030’s massive investment programme, supporting mortgage market expansion, and maintaining the banking system’s stability. Broad money supply (M3) has grown by approximately 56 per cent since 2016, from SAR 1.76 trillion to an estimated SAR 2.75 trillion, reflecting credit expansion, deposit growth, and the multiplication effects of a dynamic economy.

Money-Supply on SAUDI VISION 2030 Intelligence Platform

Liquidity & Money Supply — Progress Tracker

Saudi Arabia Liquidity & Money Supply KPI Tracker

Key Metrics

Trend Analysis