ANB underwriters want consistent salary credits, modest existing debt ratios, and a clean reference trail. Your CSV makes all three readable in minutes.
Convert your ANB statementANB personal and SME finance applications require three months of statements per SAMA. Underwriters value consistent WPS salary inflows, an installment-to-income ratio within SAMA's debt-burden ceiling, and an absence of overdrafts or unexplained large credits. ANB offers both conventional installment loans and Islamic-window Murabaha facilities, depending on the product line.
ANB's clear reference-number column helps underwriters cross-reference loan-disbursement credits with existing facility documents — preventing double-counting of financed amounts as income. The CSV preserves these references row-by-row, so the audit trail stays intact when the file moves to your accountant or the underwriter.
The ANB PDF runs: Date (DD/MM/YYYY), bilingual Description, Reference Number, Debit, Credit, Running Balance. Underwriters focus on "راتب" for WPS salary credits, "قسط تمويل" for existing financing installments, the closing balance trend, and any one-off credits or debits over a threshold (usually SAR 50,000).
Cross-border Arab remittances on ANB statements (a common pattern given the bank's Arab-region client base) need clean parsing — the underwriter wants to see income source, not a garbled mixed-script row. Kashfbank handles mixed-script descriptions and preserves the originating BIC and country information.
The data the underwriter pulls is the data you pull. The CSV makes it the same view.
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.
| Label | Meaning |
|---|---|
| حوالة سريعة | Sarie instant domestic transfer |
| حوالة دولية | Outbound SWIFT international wire |
| POS-MADA- | Mada debit card purchase |
| راتب | Salary credit (WPS) |
| قسط تمويل | Financing installment (conventional or Islamic window) |
Saudi banks (Al Rajhi, SNB) require 3 months of SAMA-compliant statements; WPS salary entries are weighted heavily in personal loan scoring.
Export three months from ANB Mobile
Download bilingual PDFs covering the last three completed months. Include any inbound cross-border Arab transfers if they form part of your income.
Upload to Kashfbank
Drop the PDFs in. Salary credits, existing financing installments, and large one-off credits are tagged separately for review.
Calculate the installment-to-income ratio
From the CSV, sum monthly "قسط تمويل" debits. Divide by monthly salary credit. Stay below SAMA's debt-burden ceiling for your borrower category.
Submit cleanly to ANB
Hand the original ANB PDF to the underwriter. Use the CSV for your own pre-submission review — to spot overdrafts, missing salary months, or unexplained large credits before the underwriter does.
Common challenges
Does ANB accept the converted CSV instead of the original PDF?
No. ANB's underwriting team requires the original bank-issued PDF. The CSV is for your own review and your accountant's verification. Submit the ANB PDF; use the CSV to know what's in it.
ANB shows reference numbers prominently. Does the CSV preserve them?
Yes. Reference numbers from ANB's statement appear in the CSV's Description column. Underwriters use them to cross-reference loan-disbursement credits with existing facility documents, preventing double-counting of financed amounts as income.
My ANB account has cross-border Arab credits that look irregular. How is that treated?
Recurring cross-border credits from the same originating BIC are usually treated as recurring income (freelance, salary from a regional employer, or family remittance). Document the source: a one-time invoice for freelance income or a family-support letter clarifies the row for the underwriter. Kashfbank gives you the exact date, amount, and BIC needed.
What debt-burden ratio does SAMA allow for ANB personal finance?
SAMA's personal-finance debt-burden ratio is 33% for most categories, with a higher ceiling (up to 45%) for retirees on government pension. ANB applies the SAMA limit. The CSV lets you sum existing installments before applying to know your headroom.
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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