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Overview

The National Data Profile (NDP) is a strategic national initiative developed by SIMAH to create a unified, reliable, and continuously updated credit data ecosystem for individuals and businesses across Saudi Arabia. By consolidating credit-related information from multiple regulated sources, NDP strengthens transparency, enhances trust, and supports informed financial decision-making at a national scale.

Purpose & Vision

NDP was established to support the Kingdom’s financial transformation by enabling a single, authoritative view of credit data that improves risk assessment, expands access to finance, and reinforces market confidence. The initiative aligns with Saudi Vision 2030 by strengthening financial infrastructure, promoting responsible lending, and enabling data-driven economic growth.

 
 

Key Features

Unified Identity 

Unified Identity

NDP establishes a single, authoritative credit identity for each individual and business, ensuring consistency, traceability, and accuracy across the Kingdom’s financial ecosystem.


Integrated Framework 

Integrated Framework

The platform consolidates credit information from regulated financial institutions and approved data providers, creating a comprehensive, cross-sector view of credit behavior.


Updated Credit Records 

Updated Credit Records

Credit data within NDP is refreshed on an ongoing basis to reflect real-world financial activity, supporting timely risk assessment and informed decision-making.


Transparency and Empowerment 

Transparency and Empowerment

NDP enhances transparency by enabling individuals and businesses to access and understand their credit profiles, reinforcing trust, accountability, and responsible financial behavior.



How NDP Works

The National Data Profile operates through a structured, regulated process that ensures the accuracy, security, and integrity of credit information across the Kingdom

Data is collected from diverse institutional sources  

Data Collection

Information is validated, standardized, and consolidated  

Validation & Standardization

A credit profile is created or updated for the individual or business  

Profile Creation & Updates

The profile is securely accessible by authorized financial institutions and the customer  

Secure Access

Benefits To Stakeholders

For Individuals

  • Improved access to financial products and services
  • Faster and more accurate credit assessments
  • Greater awareness and understanding of personal credit health

For Institutions

  • Enhanced credit risk evaluation and decision accuracy
  • Reduced fraud, duplication, and information asymmetry
  • Stronger compliance with SAMA regulations and supervisory expectations
NDP

Strengthen Your Credit Risk Management

NDP enables institutions to move beyond fragmented data toward a unified, trusted credit view, supporting smarter lending decisions, improved portfolio performance, and long-term financial stability.

Get in Touch

SIMAH © All Rights Reserved 
Saudi Credit Information Company, SIMAH, a Closed Joint Stock Company, Capital 400,000,000 Paid in Full- C.R 1010171047- Membership No.115731- , Toll Free No. 8003010046 , Fax No. 966112188797+ P.O Box 8859 Riyadh 11492- National Address: Riyadh, Al Sahafah, Building No. 3196, Additional No. 6243, Zip Code 13321. Under the Supervision and Regulation of SAMA with a License No. 2 / 37. www.simah.com