Consumer loans in the Kingdom reached SAR 469.7 billion during the second quarter

BY: Mohamed Alabdullah

Consumer loans declined by 2% during the second quarter of 2025 compared to total consumer loans during the first quarter of 2025, reaching SAR 469.768 billion during the second quarter, compared to SAR 479.777 billion during the first quarter.

The monthly statistical bulletin issued by the Saudi Central Bank indicated that consumer loans are distributed across seven economic activities (real estate renovation and improvement, cars and personal transportation, furniture and durable goods, education, healthcare, tourism and travel, and other). The bulletin stated that consumer loans in the “Real Estate Restoration and Improvement” activity amounted to SAR 8.339 billion during the second quarter of 2025, compared to SAR 8.772 billion during the first quarter. The “Cars and Personal Transportation” activity amounted to SAR 12.471 billion during the second quarter of 2025, compared to SAR 12.211 billion during the first quarter of 2025. The “Furniture and Durable Goods” activity amounted to SAR 8.886 billion during the second quarter of 2025, compared to SAR 8.681 billion during the first quarter of 2025. The bulletin confirmed that consumer loans in the “Education” activity amounted to SAR 8.083 billion during the second quarter of 2025, compared to SAR 8.526 billion during the first quarter of 2025. The “Healthcare” activity amounted to SAR 454 million during the second quarter of 2025, compared to SAR 469 million during the first quarter of 2025. The “Travel and Tourism” activity amounted to SAR 994 million during the second quarter of 2025. Compared to SAR 1.022 billion during the first quarter of 2025, noting that consumer loans in the “Other” activity amounted to SAR 430.540 billion during the second quarter, compared to SAR 440.097 billion during the first quarter of 2025.

It indicated that consumer loans increased by 5.8% year-on-year, reaching SAR 469.768 billion during the second quarter of 2025, compared to SAR 443.952 billion during the second quarter of 2024.

The bulletin explained that consumer loans in the “Real Estate Restoration and Improvement” activity amounted to SAR 8.339 billion during the second quarter of 2025, compared to SAR 11.796 billion during the second quarter of 2024. Consumer loans in the “Cars and Personal Transportation” activity amounted to SAR 12.471 billion during the second quarter of 2025, compared to SAR 10.873 billion during the second quarter of 2024. Consumer loans in the “Furniture and Durable Goods” activity amounted to SAR 8.886 billion during the second quarter of 2025. 2025 compared to 8.089 billion riyals during the second quarter of 2024.

The bulletin stated that consumer loans in the “Education” activity amounted to 8.083 billion riyals during the second quarter of 2025, compared to 6.631 billion riyals during the second quarter of 2024. The “Healthcare” activity amounted to 454 million riyals during the second quarter of 2025, compared to 533 million riyals during the second quarter of 2024. The “Travel and Tourism” activity amounted to 994 million riyals during the second quarter of 2025, compared to 834 million riyals during the second quarter of 2024. Consumer loans in the “Other” activity amounted to 430.540 billion riyals during the second quarter, compared to 405.196 billion riyals during the second quarter of 2024.

The bulletin stated that credit card loans recorded a 0.06% decrease during the second quarter of 2025 compared to total credit card loans during the first quarter of 2025, which amounted to 1.06 billion riyals. SAR 30.644 billion during the second quarter, compared to SAR 30.664 billion during the first quarter. At the same time, the statement confirmed that total credit card loans increased by 23% year-on-year, reaching SAR 30.644 billion during the second quarter of 2025, compared to SAR 24.909 billion during the second quarter of 2024.