ANB is a conventional bank with Islamic-window accounts. Interest credits exist on conventional products and need treatment before they reach the ZATCA portal.
Convert your ANB statementArab National Bank (ANB) is a conventional Saudi bank that also offers Islamic-window accounts. Saudi nationals pay Zakat at 2.5% on net zakatable wealth. VAT-registered businesses remit 15% on taxable supplies. Each filing relies on the statement: closing balance for the Zakat base, income credits for taxable revenue, and POS-MADA debits for the input VAT trail.
Because ANB is conventional (not Sharia-licensed), statements can include conventional interest credits labelled "فائدة دائنة" on savings products. For individual Zakat, conventional interest is excluded from the base. For corporate Zakat returns, ZATCA guidance requires its exclusion as non-halal income. The Islamic-window accounts are treated differently — profit distributions count as zakatable wealth, not interest.
The ANB PDF runs: Date (DD/MM/YYYY), bilingual Description, Reference Number, Debit, Credit, Running Balance. Key labels: "راتب" for WPS salary, "حوالة سريعة" for Sarie domestic transfers, "حوالة دولية" for SWIFT international wires, "قسط تمويل" for financing installments (conventional or Islamic-window depending on the product), and "POS-MADA-" for VAT-inclusive Mada debits.
Trade-finance fees and letter-of-credit charges appear on corporate ANB accounts and should be mapped to cost-of-goods for accurate Zakat base reduction. For VAT, POS-MADA debit values are inclusive at 15%; cross-check against supplier invoices to claim input VAT credit.
Each ZATCA filing needs a different slice of the same statement. The CSV cuts in seconds.
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 Zakat at 2.5% applies to net Zakatable assets (capital, retained earnings, receivables minus payables); statements prove the ending balance and cash movements that enter the Zakat base calculation.
Export from ANB Mobile
Generate a bilingual PDF covering your Zakat year or VAT quarter. ANB's stable format parses reliably.
Upload to Kashfbank
Drop the PDF in. Interest credits, salary, financing installments, and POS-MADA debits are tagged separately in the Category column.
Tag conventional interest
Filter the CSV for "فائدة دائنة". For individuals, exclude these rows from the Zakat base. For corporate returns, follow ZATCA's non-halal-income exclusion guidance.
Reconcile and file
Sum POS-MADA debits for input VAT credit. Sum credit-side totals (less interest) for taxable income. Upload the CSV to your filing tool or hand it to your accountant.
Common challenges
ANB is conventional. How does Kashfbank treat interest credits for Zakat?
Conventional interest entries labelled "فائدة دائنة" are extracted as standard credit rows with the description preserved. For individual Zakat, exclude these from the base. For corporate Zakat returns, ZATCA guidance requires exclusion as non-halal income. The CSV gives you the row dates and amounts to make the exclusion explicit.
I have an ANB Islamic-window account. How is the profit distribution treated?
Islamic-window profit distributions are part of zakatable wealth, not conventional interest. Kashfbank tags these rows under Profit Distribution rather than Interest. For Zakat, include them in the base at 2.5%.
Does ANB show 15% VAT separately on Mada POS lines?
No. POS-MADA values are VAT-inclusive at 15%, with the breakdown on the merchant invoice. Kashfbank flags POS-MADA rows so you can match them against supplier invoices when claiming input VAT credit.
My ANB corporate account has trade-finance fees. How are they coded?
Trade-finance fees and letter-of-credit charges should be mapped to cost-of-goods on the corporate ledger for accurate Zakat base reduction. Kashfbank tags these as Trade Finance in the Category column so your accountant can apply the cost-of-goods coding directly.
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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