Article 18: Saudization of Human Resources

At least 50% of human resources employees must be Saudi nationals when the BNPL company starts operations. The percentage applies to all departments and organizational levels. The percentage must be increased annually by 5% at least until it reaches 75%. Furthermore, SAMA determines the minimum annual increase required for Saudization. Recruitment of non-Saudis in the BNPL company shall be limited to positions that require expertise not available in the Saudi labor market. In all cases, the company shall obtain a non-objection letter from SAMA before appointing any non-Saudi employee in control departments, provided that the company shall prove that there are no Saudi nationals available to fill the position.