Aranca：2025 Q3塑造海湾合作委员会（GCC）银行业新时代研究报告：定义金融未来的战略举措（英文版）（21页）.pdf

1、PublicShaping the Next Era of GCC BankingStrategic Initiatives Defining the Future of Finance|Q3 202520251Special Report l Shaping the Next Era of GCC Banking l Q3 2025GCC banks are among the worlds most profitable and efficient banks,driving strong demand for fintech,AI,payments,and embedded-financ

2、e partnershipsCurrent State of GCC Banking:Foundations for the Next Phase2.93.13.43.63.84.220202021202220232024Q325GCC Banking Assets2020Q325|Figures in USD,Tn40%56%50%62%40%42%GCCEuropeIndiaUSSingaporeChina&Korea+7.7%Banks in the GCC rank among the most profitable and efficient,outperforming US and

3、 European peers on RoA,RoE,and cost-to-income ratios.This strength makes the region a high-potential market for FinTechs,with banks actively seeking digital,data,and embedded-finance partnerships to accelerate transformation.GCC banks are strengthening their cross-border ambitions,creating demand fo

4、r advanced payments,API,AI,and embedded finance solutions.Large profitability pools mean banks have the budgets to invest in AI,cloud,and real-time data platforms;key catalysts for fintech collaboration and strategic initiativesSource:Desk Research,Commercial Databases,Aranca AnalysisGCC Banking Con

5、textInvestment AnalysisBanking Mega TrendsProduct InnovationCost-to-Income Ratio|Global Benchmarking2024|Figures in Percentages2Special Report l Shaping the Next Era of GCC Banking l Q3 2025UAE is the fastest-growing market but has the highest-default rates;KSA is the largest banking market and has

6、lowest defaults;other GCC markets are smaller with moderate growthBenchmarking GCC Banking Performance(1/3)Saudi Arabia maintains a low NPA ratio because its banking system is anchored by stable,salaried Saudi nationals and large government-linked corporates,leading to structurally lower default ris