This bank achieved exceptional profitability in 2023, with a 2% return on assets—well above the 1% average for the top 10 strongest banks worldwide. Its cost-to-income ratio remained at a low 30% due to digitalization, operational improvements, and merger synergies. The bank is well-positioned with solid capitalisation, a 20% capital adequacy ratio, and a robust 258% liquidity coverage. Asset quality also improved through effective risk management, reducing non-performing loans from 1.6% in 2022 to 1.2% in 2023, well below the regional average of 2.9%. For its strong profitability, capitalisation, and liquidity, the Sixth Strongest Bank in the world and the Strongest Bank in the Middle East and Saudi Arabia is Saudi National Bank.