The Arab National Arab National Bank was incorporated as a Saudi joint stock company pursuant to Royal Decree No. M/38 dated 18/07/1399H (corresponding to 13/06/1979G). On 31/12/2012G, the total assets of ANB amounted to SAR 136.6 billion and shareholders’ equity amounted to SAR 17.8 billion with a net income of SAR 2.371million achieved in 2012G. ANB offers a full range of commercial and Islamic products to retail and corporate sectors, including foreign exchange, treasury and investment services, whilst its subsidiary (Arab National Investment Company) provides financial advisory, investment, wealth management, mutual funds, brokerage, local and international trading of securities and foreign currencies. The head office of ANB is located in the city of Riyadh, with two regional headquarters in Jeddah and Al Khobar. ANB also has a network of branches consisting of 182 branches, including women's sections, in addition to 85 instant transfer centres, 9 sale and retirement centres, and one branch in London, the United Kingdom. ANB also has a network of 937 automated teller machines "ATM". ANB has a number of strategic investments, including: - Arabian Heavy Equipment Leasing (AHL), specializes in lease-financing for heavy equipment. The Bank's shareholding in AHL is 62.5%. - Saudi Home Loans (SHL), a 40% owned affiliate, which caters for the growing needs of home finance.