Kingdom of Saudi Arabia

IFRS 9 Compliance in Saudi Arabia

Localized regulatory updates, provisioning models, and audit-ready disclosures for financial institutions in the Kingdom of Saudi Arabia

Regulatory Context

Saudi Arabia IFRS 9 Requirements

The Saudi Central Bank (SAMA) mandates IFRS 9 compliance for all licensed banks and financial institutions. As the largest economy in the GCC and MENA region, Saudi Arabia's regulatory framework emphasizes robust ECL methodologies aligned with Vision 2030 financial sector transformation goals.

Saudi Central Bank (SAMA)

Primary regulator for IFRS 9 via comprehensive prudential rules and circulars

Quarterly SAMA Reporting

Detailed ECL disclosures via SAMA's Banking Supervision Department formats

Islamic Banking Leadership

Comprehensive ECL frameworks for full-fledged Islamic banks and Shariah windows

Vision 2030 Alignment

Enhanced risk management supporting economic diversification initiatives

Key Compliance Milestones

January 2018
IFRS 9 Adoption
All Saudi banks transitioned from IAS 39 to IFRS 9
2020
Oil Price Shock & Pandemic
SAMA guidance on forbearance, regulatory relief, and enhanced provisioning
2021
Basel III Finalization
Enhanced capital adequacy linkage with IFRS 9 ECL calculations
2024
Advanced Analytics & AI
SAMA encouragement for innovative ECL modeling aligned with Vision 2030
Localized Solution

Estimator 9 for Saudi Banks

Purpose-built ECL automation tailored to SAMA regulatory requirements and Saudi market dynamics

SAMA Reporting Templates

Pre-configured outputs matching SAMA Banking Supervision Department formats

Islamic Banking Excellence

Comprehensive ECL models for Saudi Arabia's leading Islamic financial institutions

KSA Macro Scenarios

Forward-looking scenarios calibrated to SAR, oil prices, Vision 2030 sectors, and real estate

Trusted by Leading Saudi Banks

FineIT serves multiple commercial banks and Islamic banks in Saudi Arabia with SAMA-compliant IFRS 9 solutions. Our presence in the Kingdom ensures local expertise combined with deep understanding of Vision 2030's financial sector transformation.

5+
Saudi Banks
100%
SAMA Audit Compliance
24/7
GCC Support

Benefits for Saudi Institutions

Proven advantages from our Saudi banking clients

70%
Faster ECL Runs
100%
SAMA Audit Pass Rate
24/7
Regional Support
AR/EN
Bilingual Interface
Regional FAQs

Frequently Asked Questions - Saudi Arabia

Common questions from Saudi financial institutions

Partner with FineIT for IFRS 9 Compliance in Saudi Arabia

Join leading Saudi banks using Estimator 9 for SAMA-compliant ECL automation