Arab National Bank and Bank of America Harvard Case Solution & Analysis

General Introduction

It has a network of 314 branches in Saudi Arabia and 1 in London. Its largest shareholder is Arab Bank that holds 40% of the shares in Arab National Bank.

The bank offers a comprehensive commercial and investment banking services to its customers. The bank also offers specialized services in leasing and home finance. It also carries a large number of branches network to service a large number of customers. There are 200 branches of which 48 are for ladies, 96 remittance centers and 18 sales centers.

Arab National Bank has traditional distribution points.Arab National Bank carries more than 1200 ATMs around 11,700 point of sale terminals. It has been praised due to its customer care services by awards having advanced technology yet customer friendly online banking services. Arab National Bank has a wholly owned subsidiary named as “Arab National Bank invest” it functions as a banking investment arm of the group. It provides brokerage and asset management services with advisory services.

The group contains Al-ArabiHeavy Equipment Leasing (AHEL), a 62.5%-owned subsidiary, which is specialized in lease-financing for heavy equipment. The company provides loans to manufacturing and other companies for the purchase of heavy machinery. Saudi home loans (SHL) is an associate company in which the holding is of 40%.It functions as a loan provider to its customers who are in the search to build their own houses. The group also contains an insurance company, which is a joint venture of Arab National Bank providing insurance services to its customers.(Arab National Bank, n/a)
The credit ratings of the bank are provided by 4 prestigious institutions, which are standards and poor’s, Moody’s, Fitch and Capital Intelligence. The rating provided by these institutions are; standards and poor’s provided a rating ‘A’, Moody’s provided a rating ‘A1’, Fitch rating ‘A’, and Capital intelligence rating ‘A+’.


“A prominent, Quality Arab Bank”
Brand promise
A Friend indeed
Bank of America
The Bank of America’s headquarter in Charlotte, North Carolina, United States. The bank is an American multinational banking and financing services. The bank is the twenty first largest companies by total revenues in the United States as of 2013. Forbes rated Bank of America to be the third biggest company in the world.

It provides its customers a wide range of services in real estate products comprising of fixed and adjustable rates, loans for homes purchase and refinancing needs, credit lines and home equity loans.

The acquisition of Merrill lynch made the Bank of America the world’s largest wealth management corporation and a largest player in the investment banking market in the year 2008. In the year 2009, the bank held 12.2% of all bank deposits in the United States.However, the bank does not operate necessarily with maintained retail branches in all the 50 states of United States of America.(Bank of America, n/a)


History of Arab National Bank

Arab National Bank was established in the year 1979 by Royal Decree M/38 and in the year 1949 its first branch was opened in Jeddah. Moreover, headquarter of the bank is in Riyadh. Despite its policies, Arab Bank was unable to escape the policy limiting foreign ownership. In the year 1980, the bank transferred its six branches to the newly created Arab National Bank. (Arab National Bank, n/a)...............................

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