Three months of Riyad Bank PDFs in your underwriter's inbox is the SAMA standard. Convert to CSV first, review what they will see, then submit.
Convert your Riyad Bank statementRiyad Bank, like other SAMA-regulated banks, applies the 65% debt-burden ratio cap on personal finance. Three months of statements are the minimum review window. Underwriters confirm WPS salary credits, sum existing instalment-to-income ratios, and flag any NSF (insufficient-funds) events. The 1957-vintage bank weighs stability heavily — a clean three-month trail beats a high single-month income spike.
Riyad Bank's statement summary page lists the average monthly balance, which accelerates the lender's income-verification step. Converting to CSV lets you compute the same number yourself before submission, so there are no surprises.
Look at the Credit column first. Are WPS "راتب" entries arriving on the same day each month? Are Sarie transfers from family being mistaken for additional income? Look at the Debit column next. Are existing "قسط تمويل" instalments visible? Their sum, divided by your monthly salary, is the burden ratio the lender will compute.
Riyad Bank statements also include high-value RTGS transfers as a separate label. If you have moved large sums between your own accounts, expect questions. The CSV export lets you flag and explain those rows before the underwriter sees them.
The full statement is extracted to preserve the audit trail Riyad Bank issued. Pull the slices that prove income stability.
Riyad Bank statements are professionally formatted bilingual PDFs. The layout is: Transaction Date (DD/MM/YYYY), Description in both Arabic and English, Cheque/Reference number, Debit, Credit, and a right-aligned Running Balance column. Statements may include a summary page with opening and closing balances, and average monthly balance calculations.
| Label | Meaning |
|---|---|
| POS-MADA- | Mada debit card purchase at point of sale |
| حوالة سريعة | Sarie real-time domestic transfer |
| راتب | Salary deposit via WPS |
| قسط تمويل | Financing installment debit (conventional or Islamic window) |
| RTGS | High-value real-time gross settlement transfer |
Saudi banks (Al Rajhi, SNB) require 3 months of SAMA-compliant statements; WPS salary entries are weighted heavily in personal loan scoring.
Pull three months from Riyad Mobile
Export three consecutive monthly PDFs from Riyad Mobile, or one combined three-month statement. Keep the bank's PDF; it is what the lender accepts.
Upload to Kashfbank for the self-review
Convert all three PDFs together. Kashfbank merges them in chronological order for a continuous view.
Compute your debt-burden ratio
Sum "قسط تمويل" debits in the merged CSV. Divide by average monthly "راتب" credit. Compare to the SAMA 65% cap. If you are over, defer the application or settle a smaller facility first.
Submit the bank PDF to Riyad Bank
Riyad Bank lenders accept the bank-issued PDF, not the CSV. The CSV is your preparation tool — submit the original PDF alongside your application.
Common challenges
What does Riyad Bank's underwriting team expect to see in three months of statements?
Consistent WPS salary credits on predictable dates, instalment commitments visibly within the 65% debt-burden cap, no NSF events, and no large unexplained credits. The summary page average monthly balance is checked first. The CSV export lets you preview all four signals before you submit.
My Riyad Bank salary date shifted because of an Eid holiday. Will the lender flag that?
WPS salary timing can move by a few days around national holidays. The credit still carries the "راتب" label and the employer code. A short cover note explaining the holiday shift resolves it. Use the CSV to extract the exact dates.
Can I redact entries from my Riyad Bank statement before submitting?
No. Lenders require the unmodified bank-issued PDF. Kashfbank converts the PDF to a CSV for your own review, not for submission. Use the CSV to anticipate questions, then submit the original.
Does Kashfbank merge three Riyad Bank PDFs into a single timeline?
Yes. Upload multiple PDFs in a single session and the CSV merges chronologically. The Source column tags each row with its origin filename so you can trace back to a specific monthly statement.
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Regulator: Saudi Central Bank (SAMA)
Fiscal year: Hijri fiscal year (government); Gregorian Jan–Dec (most private sector)
Full country guide →Statement language: Arabic / English