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Retail Banking Regional Report: Middle East and Africa 2025

Publisher GlobalData
Published Jan 28, 2026
Length 30 Pages
SKU # GBDT20865630

Description

Retail Banking Regional Report: Middle East and Africa 2025

Summary

This report offers a comprehensive analysis of the Middle East and Africa (MEA) retail banking market, focusing on financial performance, competitive dynamics, and customer relationships. It explores the impact of digital banking and fintech innovations, which are transforming the region's banking landscape. The report highlights the opportunities and challenges faced by traditional banks as they navigate the rise of digital-only propositions. Additionally, it examines the role of consumer preferences and government initiatives in driving growth in deposits and mortgages.

The MEA retail banking market is experiencing dynamic growth, primarily driven by emerging economies across the Gulf Cooperation Council and Turkiye. The region is witnessing a surge in retail deposits and residential mortgage balances, with the region set to grow the fastest globally. Government initiatives and a strong demand for first-time home buying, especially in Saudi Arabia and Turkiye, are key factors propelling this expansion. Additionally, the increasing penetration of digital banking and fintech innovations is reshaping the competitive landscape, offering significant opportunities for growth and transformation.

Scope
  • The MEA region will continue to experience robust growth in deposits and mortgages, particularly driven by Saudi Arabia and Turkiye.
  • Digital engagement is high among new banking customers, particularly in Nigeria and Turkiye, where banking apps are pivotal in account setup and ongoing engagement.
  • Traditional banks face increasing competition from fintechs, which are gaining traction with digital-only propositions, yet incumbents retain an advantage through established physical infrastructure.
Reasons to Buy
  • Assess the recent and future macroeconomic impact on the retail banking sector in the MEA.
  • Determine the competitive landscape of key markets in the region as well as drivers behind the emergence of new players.
  • Examine the strength of banks’ relationships with their customers across MEA markets.
  • Ascertain reasons for satisfaction across the region and identify strategies to improve the banking relationship with consumers.

Table of Contents

30 Pages
  • Executive Summary
    • Overview
    • MEA banks are the most profitable globally
    • Growth slowed due to economic constraints
    • MEA is fastest-growing for deposits and mortgages
    • Market concentration grew in UAE and Saudi banks
    • Banks invest in open banking
    • The growth in MEA tech budgets is increasing
    • Overview
    • MEA has the highest average NPS
    • Many in MEA turn to banks for help with their goals
    • Product development will enhance cross-selling
    • Two thirds of new customers are digitally engaged
    • Digital channels dominate frequent tasks
    • A third of Africans use branches for budgeting
    • Human involvement preferred for support
  • Customer Satisfaction
    • Definitions
    • Methodology
    • Further Reading

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