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Convert ANB Statements for Your Saudi Clients

ANB has both conventional and Islamic-window accounts. The reference-number column and bilingual descriptions make CSV import into Zoho Books, QuickBooks, and SAP fast.

Convert ANB statements

What ANB bookkeeping looks like in practice

Accountants handling ANB clients work with a stable bilingual PDF: Date (DD/MM/YYYY), Description, Reference Number, Debit, Credit, Running Balance. ANB offers both conventional and Islamic-window accounts; the coding differs between the two. Conventional interest ("فائدة دائنة") is excluded from Zakat. Islamic-window profit distributions count as zakatable wealth.

ANB's prominent reference-number column is the accountant's friend. It supports three-way matching between bank, invoice, and ledger — critical for trade-finance clients and corporates with high cross-border transaction volume. The CSV preserves these references in the Description column.

Coding ANB entries to the right accounts

Standard coding for ANB: "راتب" credits to payroll expense (for the employer) or salary income (for the employee). "حوالة دولية" entries to accounts-payable or intercompany accounts depending on the counterparty. "قسط تمويل" debits split between principal (liability) and finance cost (expense) for conventional loans; Islamic-window Murabaha installments handled per Sharia-compliant convention.

Trade-finance fees and letter-of-credit charges visible on corporate ANB statements map to cost-of-goods or bank-charges accounts. POS-MADA debits hit operating expense at the 15% VAT-inclusive value, with input VAT recoverable against the merchant invoice. Cross-border Arab remittances need clean script handling, which Kashfbank's parser provides.

What to pull from the export

Each client engagement needs the same statement cut differently. The CSV cuts in seconds.

  • Monthly debits and credits with running balance for trial-balance reconciliation
  • Conventional interest ("فائدة دائنة") — excluded from Zakat base
  • Islamic-window profit distributions — included in zakatable wealth
  • Trade-finance fees on corporate accounts — code to cost-of-goods
  • Reference numbers preserved — for three-way matching

Arab National Bank (ANB) statement format

ANB statements are bilingual PDFs with a well-organised columnar layout: Date (DD/MM/YYYY), Description (bilingual), Reference Number, Debit, Credit, Running Balance. Descriptions for cross-border Arab transfers may appear in both Arabic and transliterated English. The format is stable and parses reliably.

LabelMeaning
حوالة سريعةSarie instant domestic transfer
حوالة دوليةOutbound SWIFT international wire
POS-MADA-Mada debit card purchase
راتبSalary credit (WPS)
قسط تمويلFinancing installment (conventional or Islamic window)

Saudi Arabia specifics for this use case

Saudi accountants using Zoho Books (dominant in KSA) or QuickBooks can import Kashf CSV exports directly; the SAR/Hijri date mapping requires the Date column to be in DD/MM/YYYY Gregorian for compatibility.

How to do it — step by step

1

Collect ANB statements from your client

Request bilingual PDFs covering the bookkeeping period. ANB's format is stable; conventional and Islamic-window accounts use the same statement layout.

2

Bulk-upload to Kashfbank

Drop all PDFs into a single session. Each file converts independently and is labeled with the source filename for audit-trail clarity.

3

Import the CSVs into your accounting software

Zoho Books, QuickBooks, Xero, and SAP accept Kashfbank's standard column layout. The reference-number column supports three-way matching out of the box.

4

Code the conventional/Islamic-window split

Apply the right coding per account type: exclude conventional interest from Zakat; include Islamic-window profit distributions in zakatable wealth. Kashfbank's Category tags make the split visible.

Common challenges

  • •GCC statements in Arabic with Hijri dates requiring dual-date output (Hijri + Gregorian)
  • •Scanned statements with low OCR quality — common in older Egyptian and Lebanese bank PDFs
  • •Multi-page statements where the bank splits across quarterly or monthly PDFs requiring merge
  • •Statements with running balance gaps that signal missing pages (critical for completeness in audit)

Frequently asked questions

Can Kashfbank process ANB statements from clients with both conventional and Islamic-window accounts?

Yes. Upload both PDFs; each converts independently. The CSV preserves the row labels ("فائدة دائنة" versus profit distribution) so your coding applies the right Zakat treatment to each account.

ANB has prominent reference numbers. Does Kashfbank preserve them?

Yes. ANB's reference numbers appear in the CSV's Description column. They support three-way matching between bank, invoice, and ledger — critical for trade-finance and corporate clients.

How does Kashfbank handle ANB cross-border Arab remittances with mixed-script names?

ANB cross-border transfers may include transliterated names in Latin script within Arabic-dominant rows. Kashfbank's parser handles mixed-script fields without truncation. The full Description is preserved for invoice matching and counterparty identification.

Can I import the ANB CSV directly into SAP?

SAP accepts standard CSV imports with Date, Description, Debit, Credit, and Reference columns. Kashfbank's output maps to this layout. Larger SAP implementations may use a custom intermediate file format; the CSV is the standard intermediate that fits most workflows.

Other use cases for Arab National Bank (ANB)

Freelancers

Extract, categorize, and export freelance income and expenses from PDF bank statements — ready for 1099, self-assessment, or ZATCA filings.

Tax Preparation

Convert PDF bank statements to clean spreadsheets for Zakat, VAT, corporate tax, and self-assessment filings across GCC and international markets.

Loan Applications

Prepare clean, lender-ready bank statement exports that prove stable income and responsible financial behavior for personal and business loan applications.

Arab National Bank (ANB) overviewSaudi Arabia banks guide

Convert Arab National Bank (ANB) Statement

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Regulatory context

Regulator: Saudi Central Bank (SAMA)

Fiscal year: Hijri fiscal year (government); Gregorian Jan–Dec (most private sector)

Full country guide →

Statement info

SAR

Statement language: Arabic / English

Kashfbank

Turn your bank statement into a spreadsheet in seconds.

العربيةEnglish

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