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GEMs Paper #26 Saudi Arabia: beyond oil but not so fast 30 June 2016 Corrected Unauthorized redistribution of this report is prohibited. This report is intended for amanda.ens@baml.com Transforming Saudi Arabia, but challenges abound The Saudi National Transformation Plan (NTP) bodes well for comprehensive reform efforts to diversify the economy in line with Vision 2030. The NTP a) identifies key sectors with high growth potential; b) starts to articulate supportive public sector industrial strategies; and c) seeks to foster higher value-added through enhancements to processes, products and organizations. Still, ambitious targets in a number of sectors are unlikely to be reached and medium-term macro sustainability is not yet clear. USD peg holds but NTP inconsistent with stable FX policy Our view is still that the USD peg holds. However, the NTP provides a mixed message. On the one hand, it blurs policymaking incentives given the need for a competitive Fx if diversification progresses. On the other, unrealistic fiscal targets mean consolidation is likely to fall short of easing imbalances materially without oil price recovery. Energy policy thus likely needs to become less aggressive to support macro and FX policies. Eurobond premium required for fiscal slippage risk We expect large and regular sovereign Eurobond issuance to support FX reserves and domestic liquidity but to weigh on regional bond spreads if risk appetite does not hold up or fiscal balance slips. EMBIG index inclusion is unlikely, in our view. Saudi forwards, CDS and rates are likely to stay under pressure due to issuance and tight liquidity. Commodities: NTP adds to medium-term oil tightness The NTP suggestion that production capacity is maintained until 2020 reinforces our conviction of medium-term oil market tightness. The NTP gas production target that could displace domestic crude demand and boost export capacity is challenging. Equity Strategy: six investible themes on the back of NTP We see a number of investible themes emerging from the NTP which investors can use to identify potential beneficiaries. These themes include rising availability of affordable housing, increased access to healthcare, down-trading as the consumer comes under pressure, a surge in telecom infrastructure and significant opportunities in the downstream petrochemical arena. Buy-rated names with access to these themes include: Al Hammadi, Savola, Al Othaim, STC, Zain KSA and SABIC. Partial NTP success & MSCI inclusion could drive rerating The Saudi market trades on a 12m fwd P/E of c.13x, an 11% discount to the long-term average and its lowest premium to GEMs since 2010. We believe that with earnings momentum gradually reaching an inflection point a relatively negative outlook is already being priced in. Given our view that oil prices will gain strong momentum in 2017, even a partial success of the NTP along with CMA market reforms to expedite inclusion in the MSCI EM index could be sufficient to improve confidence and thus drive a rerating. Trading ideas and investment strategies discussed herein may give rise to significant risk and are not suitable for all investors. Investors should have experience in FX markets and the financial resources to absorb any losses arising from applying these ideas or strategies. >> Employed by a non-US affiliate of MLPF&S and is not registered/qualified as a research analyst under the FINRA rules. Refer to "Other Important Disclosures" for information on certain BofA Merrill Lynch entities that take responsibility for this report in particular jurisdictions. BofA Merrill Lynch does and seeks to do business with issuers covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision. Refer to important disclosures on page 82 to 85. Analyst Certification on page 81. Price Objective Basis/Risk on page 77. 11643724 GEM Fixed Income Strategy & Economics Global Jean-Michel Saliba MENA Economist MLI (UK) +44 20 7995 8568 jean-michel.saliba@baml.com Hootan Yazhari, CFA >> Research Analyst Merrill Lynch (DIFC) +971 4 4258218 hootan.yazhari@baml.com Francisco Blanch Commodity & Deriv Strategist MLPF&S +1 646 855 6212 francisco.blanch@baml.com Faisal AlAzmeh, CFA >> Research Analyst Merrill Lynch KSA Company +966 11 299 3741 faisal.alazmeh@baml.com Abdelrali El Jattari >> Research Analyst Merrill Lynch (DIFC) +971 4 4258231 abdelrali.eljattari@baml.com Jamie Clark, CFA >> Research Analyst MLI (UK) +44 20 7995 1300 jamie.clark@baml.com Ali Dhaloomal Research Analyst MLI (UK) +44 20 7996 9107 ali.dhaloomal@baml.com Celine Fornaro >> Research Analyst MLI (UK) +44 20 7996 5515 celine.fornaro@baml.com See Team Page for Full List of Contributors A Transforming World This report ties into the enterprise-wide Investment Themes recently introduced in A Transforming World. In particular, the Saudi National Transformation Plan is likely to span the themes of Markets (Frontier), Government (Reform) and Earth (Energy Efficiency) Contents Macro: charting the way forward 3 Towards better governance 3 Public Investment Fund to gain prominence 7 Historic energy sector liberalization 10 National Transformation Plan: many promises, few details 13 Lessons in diversification 31 Eurobond premium required for fiscal slippage risk 34 Commodities: NTP adds to medium-term oil market tightness 36 Equity Strategy: more clarity required, but investible themes emerging 39 Six key investible themes from the NTP are emerging 40 Saudi market valuation not testing 42 Taking positive steps to accelerate MSCI inclusion 45 A higher weighting in international indices 45 Telecom: supporting a move to higher connectivity 48 NTP helps increase penetration of higher margin offerings 48 Health: Not Tremendously Prescriptive 51 Vision 2030 a start but Needs Transparent Proposals 51 Healthcare implications of National Transformation Plan 51 Consumer: a necessary pain 58 Prefer staples over discretionary 58 Rationalization of subsidies for water and electricity 60 Saudi Arabia approves 100% foreign ownership rules 61 Real estate: NTP positive but not enough 64 Key strategic objectives and KPIs to watch 64 Land tax - gradual revenue source 65 Metals & Mining: ambitious growth target 67 Government focus on mining to boost jobs and growth 67 Oil & gas/petchems: focus on downstream 69 Focus on downstream expansion is a priority 69 Refining capacity target: almost there 71 Ambitious natural gas expansion 72 Utility sector: sharing the capex burden and achieving cost reflective tariffs 73 Eight strategic objectives aimed at being self-funding 73 Defence: Vision 2030 supports defence spending 75 Saudi Arabia to build out military industrial base 75 Research Analysts 86 2 GEMs Paper #26 | 30 June 2016 Macro: charting the way forward Jean-Michel Saliba MLI (UK) jean-michel.saliba@baml.com The Saudi Vision 2030 and National Transformation Plan (NTP) present a comprehensive roadmap for change and augur for committed diversification efforts, in our view. Announced reforms can help sustain higher potential growth if fully realized as new sectoral sources of growth are developed. Positively, the NTP borrows elements from other successful strategic case studies. Still, we find a number of targets ambitious or unrealistic on the fiscal and diversification fronts, and the sequencing and details of the fiscal measures are left nebulous. In terms of the other pillars of the macro view, namely energy and Fx policy, the NTP presents a mixed picture, in our view. Energy policy is likely to be less aggressive, as the NTP suggests a constant oil production capacity. To remain consistent with the targeted government debt accumulation path, we estimate that oil prices have to average at least US$50/bbl in 2016-20 along with no growth in spending (excluding the additional cost of NTP initiatives). Partial implementation could require oil prices of cUS$65/bbl. Fiscal consolidation remains imperative to support the Fx peg, in line with stability and economic imperatives. However, as diversification progresses, the case for increased Fx flexibility to support competitiveness could likely gradually take shape. Policy-making growth-focused plans may conflict with needs to deflate Fx demand in the economy. Towards better governance The comprehensive economic blueprint unveiled by the Saudi Vision 2030 and the National Transformation Plan (NTP) confirms the economic reform credentials of the current administration. It is likely to improve government culture, accountability and transparency, in our view. The NTP will be implemented across 24 government bodies and has been presented through a number of press conferences with high-level ministerial presentations. The Governance Framework details steps to institutionalize and coordinate implementation through restructuring the government. It proposes a number of committees and bodies to report to the Council for Economic and Development Affairs (CEDA). It also introduces an escalation mechanism to rapidly resolve bottlenecks, which could see matters escalated to CEDA in 42 days. A wide-ranging policy-making reshuffle In line with ongoing Saudi Vision 2030 implementation efforts, a wide-ranging restructuring of the Saudi Cabinet and government bodies was announced in May to drive change in the government. King Salman issued 51 Royal Decrees restructuring the Cabinet, various government bodies and appointing a number of officials into various government roles. A statement concurrently issued by the Royal Court suggested these changes are in line with the recently announced Saudi Vision 2030 and aim to support its implementation. This follows from the January 2015 restructuring of the bodies affiliated to the Council of Ministers, which saw the creation of CEDA and the Council for Political and Security Affairs. We list a few major changes below. New Oil Minister represents technocratic experience and policy continuity The appointment of Khalid Al-Falih to the Ministry of Energy, Industry and Mineral Resources is not surprising, given that former Minister of Petroleum and Mineral Resources Al-Naimi has previously suggested he was approaching retirement due to old age. Al-Falih’s appointment continues the tradition of non-Royals heading the Ministry, while simultaneously holding the Chairmanship role of Saudi Aramco. Furthermore, according to local press, Al-Falih appears close to Deputy Crown Prince Mohamed bin Salman, and his appointment likely confirms the recently assertive Royal influence over energy policy, in our view. New Minister of Energy, Industry and Mineral Resources Al- Falih’s past official pronouncements are consistent with stable Saudi energy policy, in our view. GEMs Paper #26 | 30 June 2016 3 Expanded role for the Oil Ministry under Vision 2030 The Ministry of Petroleum and Mineral Resources has been expanded to become the Ministry of Energy, Industry and Mineral Resources. It will be dedicated for energy, in addition to expanding to encompass responsibilities relating to electricity and industry. It will also undertake the management of the National Industrial Cluster Development Program (NICDP). The new Minister will chair the board of directors of the Royal Commission for Jubail and Yanbu, the Industrial Development Fund, the Saudi Organization for Industrial Estates and Technology Zones, the Saudi Geological Survey, the King Abdulaziz City for Science and Technology, the Saudi Exports Development Authority and the King Abdullah City for Atomic and Renewable Energy. Energy sector liberalization drives non-oil diversification The wider role for the Ministry of Energy, Industry and Mineral Resources is in line with the expanded industrial responsibilities foreseen for Saudi Aramco in the Vision 2030. It may also suggest a continued desire to liberalize the energy sector. The National Industrial Cluster Development Program (NICDP), established in October 2012 by the Ministry of Petroleum and Mineral Resources and the Ministry of Commerce and Industry, could likely gain further importance in the industrialization strategy adopted in the Vision 2030. The NICDP will be managed by the Ministry of Energy. It seeks to leverage Saudi Arabia’s comparative advantage in energy, petrochemicals and minerals to create sustainable export oriented industries, initially focused on the automotive, construction material, appliances, metal processing and flexible packaging sectors. Restructuring the Cabinet and other government bodies The Ministry of Commerce and Industry will become the Ministry of Commerce and Investment and sees the appointment of a new Minister. The new Minister will chair the board of directors of the General Authority for Investment, the General Authority for Small and Medium Enterprises and the Saudi Standards, Metrology and Quality Organization. The Ministry of Labor will be merged with the Ministry of Social Affairs to form the Ministry of Labor and Social Development, and sees the appointment of a new Minister. The Ministry of Water and Electricity has been disbanded. The Ministry of Agriculture was renamed the Ministry of Environment, Water and Agriculture and expands its responsibilities into these areas. Two new Ministers for Transport and Health were appointed. The Ministry of Hajj has been renamed the Ministry of Hajj and Umrah and sees the appointment of a new Minister. The Saudi Fund for Development will now report to the Council for Economic and Development Affairs. The General Authority for Entertainment and the General Authority for Culture have been created. The Department of Zakat and Income Tax was renamed the General Authority for Zakat and Income, and will report to the Ministry of Finance. New Central Bank Governor maintains commitment to USD peg Saudi Arabian Monetary Agency (SAMA) Governor Al-Mubarak has been replaced in his post by SAMA Deputy Governor for Research and International Affairs Dr. Al-Kholifey. A number of officials were also appointed into various government and advisory roles. New SAMA Governor Al-Kholifey’s past policy pronouncements suggest continued commitment to the USD peg. Watch the Saudi Fund for Development The Saudi Fund for Development (SFD) new direct link to the Council for Economic and Development Affairs likely concentrates further authority in the Deputy Crown, in our view. Given that the Public Investment Fund (PIF) last saw similar links being established prior to plans being made for it to be turned into a Sovereign Wealth Fund (SWF), this could suggest further strategic changes may take place at the SFD. 4 GEMs Paper #26 | 30 June 2016 Exhibit 1: Saudi Vision 2030 Governance Model Source: Saudi Vision 2030 A web of Strategic Programs Saudi Vision 2030 incorporates a number of Executive Programs and initiatives, with implementation carried out by several government entities. The Vision continues to centralize decision-making into CEDA, chaired by Deputy Crown Prince Mohammed bin Salman, and reporting to the Council of Ministers. The Ministry of Economy and Planning also retains an important role, with lower emphasis being put on the Ministry of Finance. The Project Management Program also suggests emphasis on ongoing review of capital expenditures, whereby existing review served to examine their approval process, and control their level. From a macro perspective, the three most important programs for now are: a) the re-shaping of the Public Investment Fund (PIF) into a US$2trn Sovereign Wealth Fund (SWF); b) the new corporate strategy for Saudi Aramco to transform it into an energy and industrial conglomerate; and, c) the National Transformation Plan (NTP) which encompasses medium-term growth boosting initiatives and fiscal consolidation measures (alongside the Fiscal Balance and Privatization Programs). We discuss these three elements in turn below. Table 1: Strategic Programs introduced by the Saudi Vision 2030 Strategic Program Comment Government Restructuring Program Supreme Councils have already been implemented, and the Council of Political and Security Affairs and the Council of Economic and Development Affairs (CEDA) have been established Strategic Directions Program Strategic directions determined by state agencies and approved by the government Regulations Review Program Several laws have been reviewed or enacted already such as the Company Law, the Non-Governmental Organizations Law, the White Land Law, and the General Authority for Endowments (Awqaf) Law Performance Measurement Program Center for Performance Management of Government Agencies has been established Human Capital Program Aims to measure, assess, analyze and support the efficiency of civil service Program for Strengthening Public Sector Governance Strategic Management Office reporting to CEDA as well as a Decision Support Center at the Royal Court are to be established Strategic Partnerships Program Aims for stronger ties with economic partners to enhance exports "Daem" Program Aims to enhance the quality of cultural activities and entertainment Private Sector Growth Stimulation Program Under consideration Regional Development Program Under consideration Fiscal Balance Program Likely target of achieving fiscal balance by 2020 Project Management Program Expert Project Management Offices (PMOs) and a Central Delivery Unit have been established Saudi Aramco Strategic Transformation Program Aims to position Saudi Aramco as a leader in more than one sector Public Investment Fund (PIF) Restructuring Program Aims to transform the PIF into the largest Sovereign Wealth Fund (SWF) in the world Privatization Program Comprehensive privatization program; targets under study National Transformation Plan Program Interim Key Performance Indicators (KPI) targets to achieve by 2020 Source: Saudi Vision 2030, BofA Merrill Lynch Global Research GEMs Paper #26 | 30 June 2016 5 Table 2: Initiatives introduced by the Saudi Vision 2030 Initiative Current Target Religious tourism Number of yearly Umrah visitors per year (mn) 8 30 Building the largest Islamic museum in the world - - Culture Number of Saudi heritage sites registered with UNESCO 4 8 Number of Saudi cities recognized in the top-ranked 100 cities in the world 0 3 Household spending on cultural and entertainment activities (%) 2.9 6 Social Average life expectancy (years) 74 80 Unemployment rate (%) 11.6 7 Female labour force participation (%) 22 30 Household savings ratio (% of household income) 6 10 Ranking in the Social Capital Index 26 10 Ratio of individuals exercising at least once a week (%) 13 40 Number of volunteers per year 11,000 1,000,000 Localization Localization of oil and gas sectors (%) 40 75 Localization of defence industry (%) 2 50 Renewable energy value chain (%) - - Sovereign Wealth Fund Public Investment Fund assets (SAR bn) 600 7,000 Economy Global ranking of the economy in terms of size 19 15 Ranking in the Global Competitiveness Index 25 10 Ranking in the Logistics Performance Index 49 25 Private sector contribution to GDP (%) 40 65 Foreign Direct Investment (% of GDP) 3.8 5.7 Non-oil exports share in non-oil GDP (%) 16 50 SME contribution to GDP (%) 20 35 Non-profit sector contribution to GDP <1 5 Improving the business environment and pursuing public-private partnerships - - Rehabilitating economic cities and restructure King Abdullah Financial District - - Establishing special zones such as logistic, tourist, industrial and financial ones - - Revise energy subsidies and redirect support to eligible citizens and economic sectors - - Ease restrictions on ownership and foreign investment in the retail sector - - Fiscal Non-oil government revenue (SAR bn) 163 1,000 Governance Ranking in the Government Effectiveness Index 80 20 Ranking in the E-Government Survey Index 36 5 Source: Saudi Vision 2030 6 GEMs Paper #26 | 30 June 2016 Public Investment Fund to gain prominence The restructuring of the Public Investment Fund (PIF) is likely to allow greater focus on achieving a diversified foreign asset base which could support in turn the build-up of non-oil revenues. According to Deputy Crown Prince Mohammed bin Salman, government ownership of Saudi Aramco would be transferred to the PIF, which will be transformed into a SWF that will look to increase its overseas assets (from 5% of total to 50% of total by 2020) following its recapitalization and the proceeds of Aramco IPO. The PIF would hold on-paper a vast amount of wealth post-IPO (US$2trn, according to the Deputy Crown Prince, the bulk of which would be Saudi Aramco) as ownership of Saudi Aramco is transferred to the PIF, but it would only be able to deploy the cash proceeds of the monetized Aramco stake in the near-term, in our view. We think the PIF’s transformation is still at a relatively early stage for now. Room to grow PIF stature and budget contribution The restructuring of the PIF is likely to allow further diversification of foreign assets, which will in turn increase the share of investment income in the budget over time. We estimate that in 2015 investment income transferred to the budget stood at US$9.9bn (1.5% of GDP), which entails transfers of US$4bn from the PIF and US$5bn from SAMA. These transfers pale in comparison to the estimated budgetary contributions among main GCC peers. We estimate that the rate of return (investment income) on foreign assets of SAMA, government entities and the private sector averaged c2% over the past 8 years, which already suggests some exposure to riskier asset classes, in our view. As the PIF gains importance, it will become more prominent in the examination of the breakdown of the Saudi Net International Investment Position . Transitioning to an Abu Dhabi model It will be interesting to see how the restructuring of the PIF into an SWF works out in practice. We hypothesise that it may be that, on top of the monetization of Aramco's stake sale, PIF could get a portion of the assets of SAMA. In this scenario, we would effectively transition to the Abu Dhabi and Kuwait model where the central bank holds little reserves and non-transparent SWFs are what matters both in terms of flow and stock. Foreign assets purchases of the PIF would also have to be managed within the overall Balance of Payments (BoP) framework as they could lead to drains on SAMA reserves in the near term. Over time, Saudi Arabia could decide to emulate the Norway model, which would entail a more prudent use and conduct of fiscal policy, in our view. Chart 1: PIF budget contributions small versus GCC SWF contributions 40 35 30 25 20 15 10 5 US$bn % of GDP % of total revenues 0 Qatar Abu Dhabi Kuwait Saudi Arabia Dubai Source: Haver, IMF, Saudi Ministry of Finance, BofA Merrill Lynch Global Research. 2015 data, Investment income and transfer of profits of public entities for Kuwait. Investment income from public enterprises (incudes Qatar Petroleum’s net income) for Qatar. Chart 2: High rate of return suggests foreign assets well diversified 10 Implied rate of return with respect to IIP assets (%) Implied rate of return with respect to SAMA reserve assets (%) 3.0 Net income balance (% of GDP, rhs) 2.5 8 2.0 6 4 2 0 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 Source: Haver, BofA Merrill Lynch Global Research. Implied rate of return on SAMA reserve assets simplistically assumes all investment income is earned by SAMA (instead of being earned by SAMA, government entities and the private sector). 1.5 1.0 0.5 0.0 -0.5 -1.0 GEMs Paper #26 | 30 June 2016 7 PIF largely a domestic inward-looking entity until recently The IMF reports that the PIF had assets of 11.1% of GDP in 2014 (c.SAR310bn). PIF has foreign assets of SAR14.1bn as of end-2015. It has outstanding loans of SAR103.9bn as of 3Q15 (excluding electricity loans of SAR14bn that PIF administers). According to Bloomberg, PIF had stakes in publicly listed companies on Tadawul worth SAR934bn as of April 2016. According to the MoF, PIF held equity worth SAR63.3bn in 41 Saudi companies in total at end-2011, as well as stakes worth SAR14.9bn in a number of pan- Arab corporations. In July 2014, the cabinet authorized the PIF to establish companies inside and outside Saudi Arabia, alone or in partnership with other institutions from the public or private sectors. It also bought a US$1.1bn stake in a South Korean company and recently announced in early June it took a US$3.5bn stake in Uber, denying in the process that it was considering a US$3bn loan to fund the acquisition. PIF has been asked to co-invest US$10bn in Russia or the Middle East with the RIDF. Note that PIF has established Sanabil investments with SAR20bn in capital. The PIF has paid dividends to the budget last year (SAR15bn). It now reports directly to the Council of Economic and Development Affairs headed by the Deputy Crown Prince, after reporting to the Ministry of Finance in the past. JASTA bill not a hurdle for further Saudi investment in the US We expect that the deep and liquid US financial markets will remain a prominent destination for Saudi foreign asset holdings. The potential passage of the “9/11” bill (Justice Against Sponsors of Terrorism Act, JASTA) in US Congress raises the possibility that Saudi Arabia would choose to liquidate up to US$750bn in assets in the US, according to Saudi Foreign Minister Adel al-Jubeir. A forced and rapid liquidation of USbased Saudi foreign assets may expose SAMA and other government entities to markto-market losses, and require changes to Fx reserve management The language of the JASTA bill as it currently stands does not suggest an imminent Saudi sell-off of US assets, in our view. The “Stay of Actions Pending State Negotiations” section inserted into the bill allows a stay to be granted for an indefinitely renewable 180-day period. This would be subject to court petition by the Attorney General and repeated certification by the Secretary of State that the US is “engaged in good faith discussions with the foreign state defendant concerning the resolution of the claims against the foreign state”. The certification thus depends on the current and future US administration foreign policy inclinations, in our view. Separately, we note that the White House spokesman said US President Obama did not support the legislation and likely would not sign it. (A potential presidential veto may however still be overruled if Congress assembles the necessary two–thirds vote of each house). We continue to expect a close relationship between the US and Saudi Arabia given the confluence of interests in a broad range of matters. 8 GEMs Paper #26 | 30 June 2016 Table 3: Breakdown of Saudi Arabia Net International Investment Position (US$bn) 2007 2008 2009 2010 2011 2012 2013 2014 2015 Net International Investment Position 380 471 435 479 585 685 763 792 703 % of GDP 91 91 101 91 87 93 103 105 108 Net Foreign assets (excluding SAMA) 74 28 24 34 41 28 37 59 87 % of GDP 18 5 6 6 6 4 5 8 13 Assets 495 631 636 708 824 936 1,028 1,069 993 Non-reserve assets 190 188 226 262 280 279 302 337 376 by holder: Investment funds 7 4 4 5 5 5 6 8 7 Commercial banks 39 41 56 52 56 57 56 67 84 Public Investment Fund (PIF) foreign investment 1 2 2 4 4 5 4 4 4 Saudi Fund for Development (SFD) cumulative loan disbursements 6 6 6 7 7 7 8 8 - Public Pension Agency (PPA) and General Organization for Social Insurance (GOSI) net foreign assets - 49 - - - 98 112 - - of which, managed by SAMA (e) 43 48 51 59 65 69 75 80 78 PPA net foreign assets - 24 - - - 63 72 - - GOSI net foreign assets - 25 - - - 35 40 - - Development funds and other government (exc. PPA/GOSI) entities’ foreign assets managed by SAMA (e) 15 17 18 20 22 23 25 27 26 Other - 69 - - - 85 92 - - by instrument: Direct investment abroad 17 20 23 27 30 34 39 45 63 Portfolio investment 105 99 122 146 158 168 178 199 202 Equity securities 53 50 59 79 82 92 99 111 109 Debt securities 52 48 63 68 77 75 79 88 94 Other investment 68 69 82 90 92 77 85 93 111 Loans 3 4 4 3 3 2 2 1 1 Currency and deposits 55 63 73 76 78 69 76 85 105 Other assets 10 3 5 11 11 6 7 6 5 SAMA Reserve assets 306 443 410 445 544 657 726 732 616 Currency and deposits 93 132 111 117 148 197 191 187 204 Foreign securities 211 308 286 315 380 444 519 532 400 Other assets 2 3 13 13 16 16 15 13 12 Liabilities -116 -160 -201 -228 -239 -251 -265 -278 -289
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