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Bank AlJazira’s H1 2024 net profit jumped 33% to SAR 618 million from SAR 464.6 million in the prior-year period.
Financials (M)
Item | 6m 2023 | 6m 2024 | Change |
---|---|---|---|
Net Special Commission Income | 1,124.15 | 1,249.48 | 11.1 % |
Operating Income | 1,591.60 | 1,791.36 | 12.6 % |
Total Provisions | (112.18) | (138.16) | (23.2 %) |
Net Income | 464.64 | 617.99 | 33.0 % |
Average Shares | 1,025.00 | 1,025.00 | - |
EPS (Riyals) | 0.45 | 0.60 | 33.0 % |
EPS Diluted (Riyals) | 0.41 | 0.51 | 21.9 % |
The profit growth was attributed to an 11% year-on-year (YoY) increase in net financing and investment income, driven by a 33% YoY rise in income from investments and financing. This increase was fueled by higher income from corporate financing and dues from banks and other financial institutions, driven by portfolio growth and higher rates.
Operating income grew by 13% YoY, primarily due to increases in net financing and investment income, net fees from banking services, net gains on financial instruments measured at fair value through income statement (FVIS), and dividend income. However, this was partially offset by a decrease in net gains from the sale of financial assets, currency exchange and derecognition of financial assets measured at fair value through other comprehensive income (FVOCI).
The net impairment charge for credit losses rose by 23% YoY, mainly due to higher provisioning requirements for retail financing.
Current Quarter Comparison (M)
Item | Q2 2023 | Q2 2024 | Change |
---|---|---|---|
Net Special Commission Income | 565.62 | 629.41 | 11.3 % |
Operating Income | 807.73 | 903.06 | 11.8 % |
Debt Provisions | (52.18) | (82.78) | (58.6 %) |
Net Income | 260.61 | 317.55 | 21.9 % |
Average Shares | 1,025.00 | 1,025.00 | - |
EPS (Riyals) | 0.25 | 0.31 | 21.9 % |
EPS Diluted (Riyal) | 0.22 | 0.21 | (1.4 %) |
Item | Q1 2024 | Q2 2024 | Change |
---|---|---|---|
Net Special Commission Income | 620.08 | 629.41 | 1.5 % |
Operating Income | 888.30 | 903.06 | 1.7 % |
Debt Provisions | (55.38) | (82.78) | (49.5 %) |
Net Income | 300.44 | 317.55 | 5.7 % |
Average Shares | 1,025.00 | 1,025.00 | - |
EPS (Riyals) | 0.29 | 0.31 | 5.7 % |
EPS Diluted (Riyal) | 0.29 | 0.21 | (27.3 %) |
On the other hand, total operating expenses increased by 4% YoY, primarily due to higher other general and administrative expenses, net impairment charge for credit losses, salaries and employee-related expenses, as well as depreciation and amortization expenses. This increase was partially offset by a reversal of the impairment charge on the value of other properties.
Return on deposits and financial liabilities increased by 39% YoY. In addition, return on deposits and financial liabilities rose by 6% YoY.
The lender posted a net profit of SAR 317.6 million, up 22% YoY, in the second quarter of 2024. This growth is attributed to an 11% rise in net income from financing and investments, driven significantly by a 28% increase in income from investments and financing. This uptick was fueled by increased earnings from corporate financing and balances with banks and other financial institutions, bolstered by portfolio growth and higher interest rates.
Balance Sheet (B)
Item | 6m 2023 | 6m 2024 | Change |
---|---|---|---|
Assets | 124.44 | 138.00 | 10.9 % |
Customer Deposits | 92.08 | 98.55 | 7.0 % |
Loan | 74.94 | 87.21 | 16.4 % |
Sequentially, the bank’s net profit grew 5.7% from SAR 300.44 million in Q1 2024.
Total shareholders’ equity, no minority interest and excluding sukuk, stood at SAR 16.67 billion as of June 30, 2024, compared to SAR 16.26 billion a year earlier.
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Energy
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- 2030 - SARCO
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- 9564 - HORIZON FOOD
- 9555 - LEEN ALKHAIR
- 9612 - SAMA WATER
- 9518 - CMCER
- 9530 - TIBBIYAH
- 9527 - AME
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- 9580 - ALRASHID INDUSTRIAL
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- 9576 - PAPER HOME
- 9588 - RIYADH STEEL
- 9575 - MARBLE DESIGN
- 9599 - TAQAT
- 9601 - ALRASHEED
- 9605 - NEFT ALSHARQ
- 9607 - ASG
- 9609 - NAAS PETROL
- 9510 - NBM
- 9528 - GAS
- 9531 - OBEIKAN GLASS
- 9533 - SPC
- 9529 - RAOOM
- 9525 - ALWASAIL INDUSTRIAL
- 9542 - KEIR
- 9547 - RAWASI
- 9568 - MAYAR
- 9569 - ALMUNEEF
- 9578 - ATLAS ELEVATORS
- 9560 - WAJA
- 9611 - UFG
- 9540 - TADWEEER
- 9545 - ALDAWLIAH
- 9570 - TAM DEVELOPMENT
- 9581 - CLEAN LIFE
- 9593 - PAN GULF
- 9597 - LEAF
- 9608 - ALASHGHAL ALMOYSRA
- 9606 - THARWAH
- 9613 - SHALFA
- 9619 - MULTI BUSINESS
- 9621 - DRC
- 9541 - ACADEMY OF LEARNING
- 9562 - FOOD GATE
- 9590 - ARMAH
- 9598 - ALMOHAFAZA FOR EDUCATION
- 9603 - HORIZON EDUCATIONAL
- 9567 - GHIDA ALSULTAN
- 9617 - ARABICA STAR
Share Price
Bank Aljazira (BJAZ)
Current | |
Market Cap (M Riyal) | 18,347.50 |
Shares Outstanding ((M)) | 1,025.00 |
EPS ( Riyal) (TTM) | 1.20 |
EPS Diluted ( Riyal) (TTM) | 1.01 |
Book Value (BV) ( Riyal) | 13.18 |
Par Value ( Riyal) | 10.00 |
Adjusted P/E (Last12) | 15.50 |
P/E (TTM) | 14.92 |
Price/book | 1.36 |
Return on Average Assets (%) (TTM) | 0.9 |
Return on Average Equity (%) (TTM) | 9.5 |
Financial results (Million)
Financial results (Million)
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
Q1 2015 | 396.23 | 23.2 % | 624.38 | 22.4 % | (36.68) | 43.9 % |
Q2 2015 | 403.41 | 13.2 % | 611.63 | 9.7 % | (68.47) | 24.9 % |
Q3 2015 | 410.50 | 8.7 % | 532.05 | (8.7 %) | 39.81 | 118.9 % |
Q4 2015 | 390.40 | 0.2 % | 580.82 | 6.4 % | 12.27 | 179.9 % |
2015 | 1,600.54 | 10.8 % | 2,348.87 | 6.9 % | (53.06) | 86.1 % |
Q1 2016 | 370.10 | (6.6 %) | 564.65 | (9.6 %) | (27.72) | 24.4 % |
Q2 2016 | 384.52 | (4.7 %) | 579.86 | (5.2 %) | (30.67) | 55.2 % |
Q3 2016 | 407.21 | (0.8 %) | 575.36 | 8.1 % | (28.63) | (171.9 %) |
Q4 2016 | 404.66 | 3.7 % | 544.05 | (6.3 %) | (38.19) | (411.2 %) |
2016 | 1,566.48 | (2.1 %) | 2,263.92 | (3.6 %) | (125.21) | (136.0 %) |
Q1 2017 | 433.98 | 17.3 % | 617.30 | 9.3 % | (46.81) | (68.8 %) |
Q2 2017 | 453.44 | 17.9 % | 645.11 | 11.3 % | (61.94) | (101.9 %) |
Q3 2017 | 470.08 | 15.4 % | 669.25 | 16.3 % | (85.43) | (198.4 %) |
Q4 2017 | 460.11 | 13.7 % | 648.08 | 19.1 % | (72.97) | (91.1 %) |
2017 | 1,817.61 | 16.0 % | 2,579.74 | 14.0 % | (267.15) | (113.4 %) |
Q1 2018 | 457.74 | 5.5 % | 646.11 | 4.7 % | (17.10) | 63.5 % |
Q2 2018 | 479.70 | 5.8 % | 672.23 | 4.2 % | (39.22) | 36.7 % |
Q3 2018 | 478.61 | 1.8 % | 665.81 | (0.5 %) | (22.60) | 73.5 % |
Q4 2018 | 487.98 | 6.1 % | 680.59 | 5.0 % | (27.88) | 61.8 % |
2018 | 1,904.03 | 4.8 % | 2,664.75 | 3.3 % | (106.80) | 60.0 % |
Q1 2019 | 489.13 | 6.9 % | 695.83 | 7.7 % | (26.00) | (52.1 %) |
Q2 2019 | 502.23 | 4.7 % | 714.40 | 6.3 % | (12.82) | 67.3 % |
Q3 2019 | 517.66 | 8.2 % | 749.62 | 12.6 % | (40.35) | (78.5 %) |
Q4 2019 | 543.14 | 11.3 % | 817.31 | 20.1 % | (77.78) | (179.0 %) |
2019 | 2,052.16 | 7.8 % | 2,977.16 | 11.7 % | (156.95) | (47.0 %) |
Q1 2020 | 545.14 | 11.4 % | 768.92 | 10.5 % | (121.96) | (369.0 %) |
Q2 2020 | 596.66 | 18.8 % | 789.41 | 10.5 % | (173.04) | (1,249.4 %) |
Q3 2020 | 616.78 | 19.1 % | 811.90 | 8.3 % | (180.08) | (346.3 %) |
Q4 2020 | 631.80 | 16.3 % | 916.94 | 12.2 % | (1,100.67) | (1,315.2 %) |
2020 | 2,390.34 | 16.5 % | 3,287.12 | 10.4 % | (1,575.74) | (904.0 %) |
Q1 2021 | 643.78 | 18.1 % | 945.44 | 23.0 % | (152.81) | (25.3 %) |
Q2 2021 | 631.51 | 5.8 % | 828.44 | 4.9 % | (157.94) | 8.7 % |
Q3 2021 | 673.68 | 9.2 % | 878.26 | 8.2 % | (158.46) | 12.0 % |
Q4 2021 | 768.17 | 21.6 % | 895.03 | (2.4 %) | (155.35) | 85.9 % |
2021 | 2,717.14 | 13.7 % | 3,547.17 | 7.9 % | (624.57) | 60.4 % |
Q1 2022 | 728.60 | 13.2 % | 934.76 | (1.1 %) | (94.01) | 38.5 % |
Q2 2022 | 631.38 | 0.0 % | 806.92 | (2.6 %) | (39.58) | 74.9 % |
Q3 2022 | 654.33 | (2.9 %) | 881.13 | 0.3 % | (102.52) | 35.3 % |
Q4 2022 | 593.07 | (22.8 %) | 819.70 | (8.4 %) | (50.20) | 67.7 % |
2022 | 2,607.38 | (4.0 %) | 3,442.51 | (3.0 %) | (286.32) | 54.2 % |
Q1 2023 | 558.53 | (23.3 %) | 783.87 | (16.1 %) | (60.00) | 36.2 % |
Q2 2023 | 565.62 | (10.4 %) | 807.73 | 0.1 % | (52.18) | (31.8 %) |
Q3 2023 | 607.83 | (7.1 %) | 837.24 | (5.0 %) | (48.77) | 52.4 % |
Q4 2023 | 642.82 | 8.4 % | 886.46 | 8.1 % | (68.12) | (35.7 %) |
2023 | 2,374.80 | (8.9 %) | 3,315.30 | (3.7 %) | (229.06) | 20.0 % |
Q1 2024 | 620.08 | 11.0 % | 888.30 | 13.3 % | (55.38) | 7.7 % |
Q2 2024 | 629.41 | 11.3 % | 903.06 | 11.8 % | (82.78) | (58.6 %) |
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
2014 | 1,445.08 | 18.2 % | 2,196.47 | 19.4 % | (383.11) | (181.0 %) |
2015 | 1,600.54 | 10.8 % | 2,348.87 | 6.9 % | (53.06) | 86.1 % |
2016 | 1,566.48 | (2.1 %) | 2,263.92 | (3.6 %) | (125.21) | (136.0 %) |
2017 | 1,817.61 | 16.0 % | 2,579.74 | 14.0 % | (267.15) | (113.4 %) |
2018 | 1,904.03 | 4.8 % | 2,664.75 | 3.3 % | (106.80) | 60.0 % |
2019 | 2,052.16 | 7.8 % | 2,977.16 | 11.7 % | (156.95) | (47.0 %) |
2020 | 2,390.34 | 16.5 % | 3,287.12 | 10.4 % | (1,575.74) | (904.0 %) |
2021 | 2,717.14 | 13.7 % | 3,547.17 | 7.9 % | (624.57) | 60.4 % |
2022 | 2,607.38 | (4.0 %) | 3,442.51 | (3.0 %) | (286.32) | 54.2 % |
2023 | 2,374.80 | (8.9 %) | 3,315.30 | (3.7 %) | (229.06) | 20.0 % |
Profit Performance (Million)
Profit Performance (Million)
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
Q1 2015 | 227.00 | 42.5 % | 0.32 | - | 227.00 | 0.32 |
Q2 2015 | 735.75 | 341.3 % | 1.04 | 572.65 | 163.10 | 0.23 |
Q3 2015 | 165.74 | 250.9 % | 0.23 | - | 165.74 | 0.23 |
Q4 2015 | 158.63 | (20.4 %) | 0.22 | - | 158.63 | 0.22 |
2015 | 1,287.12 | 124.8 % | 1.81 | 572.65 | 714.47 | 1.01 |
Q1 2016 | 381.31 | 68.0 % | 0.54 | 208.60 | 172.71 | 0.24 |
Q2 2016 | 177.52 | (75.9 %) | 0.25 | - | 177.52 | 0.25 |
Q3 2016 | 160.69 | (3.0 %) | 0.23 | - | 160.69 | 0.23 |
Q4 2016 | 152.43 | (3.9 %) | 0.21 | - | 152.43 | 0.21 |
2016 | 871.94 | (32.3 %) | 1.23 | 208.60 | 663.34 | 0.94 |
Q1 2017 | 215.97 | (43.4 %) | 0.30 | - | 215.97 | 0.30 |
Q2 2017 | 220.16 | 24.0 % | 0.31 | - | 220.16 | 0.31 |
Q3 2017 | 227.63 | 41.7 % | 0.32 | - | 227.63 | 0.32 |
Q4 2017 | 193.75 | 27.1 % | 0.27 | - | 193.75 | 0.27 |
2017 | 857.51 | (1.7 %) | 1.21 | - | 857.51 | 1.21 |
Q1 2018 | 236.59 | 9.5 % | 0.33 | - | 236.59 | 0.33 |
Q2 2018 | 244.17 | 10.9 % | 0.24 | - | 244.17 | 0.24 |
Q3 2018 | 247.36 | 8.7 % | 0.24 | - | 247.36 | 0.24 |
Q4 2018 | (349.84) | (280.6 %) | (0.34) | (551.50) | 201.66 | 0.20 |
2018 | 378.28 | (55.9 %) | 0.37 | (551.50) | 929.78 | 0.91 |
Q1 2019 | 235.01 | (0.7 %) | 0.23 | - | 235.01 | 0.23 |
Q2 2019 | 251.82 | 3.1 % | 0.25 | - | 251.82 | 0.25 |
Q3 2019 | 256.87 | 3.8 % | 0.25 | - | 256.87 | 0.25 |
Q4 2019 | 247.33 | 170.7 % | 0.24 | - | 247.33 | 0.24 |
2019 | 991.02 | 162.0 % | 0.97 | - | 991.02 | 0.97 |
Q1 2020 | 181.61 | (22.7 %) | 0.18 | - | 181.61 | 0.18 |
Q2 2020 | 165.77 | (34.2 %) | 0.16 | - | 165.77 | 0.16 |
Q3 2020 | 181.63 | (29.3 %) | 0.18 | - | 181.63 | 0.18 |
Q4 2020 | (495.22) | (300.2 %) | (0.48) | - | (495.22) | (0.48) |
2020 | 33.75 | (96.6 %) | 0.03 | - | 33.75 | 0.03 |
Q1 2021 | 321.59 | 77.1 % | 0.31 | - | 321.59 | 0.31 |
Q2 2021 | 251.16 | 51.5 % | 0.25 | 39.39 | 211.77 | 0.21 |
Q3 2021 | 204.53 | 12.6 % | 0.20 | (42.57) | 247.10 | 0.24 |
Q4 2021 | 228.80 | 146.2 % | 0.22 | (4.34) | 233.14 | 0.23 |
2021 | 1,006.08 | 2880.6 % | 0.98 | (7.52) | 1,013.60 | 0.99 |
Q1 2022 | 374.85 | 16.6 % | 0.37 | 51.41 | 323.44 | 0.32 |
Q2 2022 | 257.82 | 2.7 % | 0.25 | - | 257.82 | 0.25 |
Q3 2022 | 232.67 | 13.8 % | 0.23 | - | 232.67 | 0.23 |
Q4 2022 | 243.75 | 6.5 % | 0.24 | 1.39 | 242.36 | 0.24 |
2022 | 1,109.09 | 10.2 % | 1.08 | 52.80 | 1,056.29 | 1.03 |
Q1 2023 | 204.04 | (45.6 %) | 0.20 | - | 204.04 | 0.20 |
Q2 2023 | 260.61 | 1.1 % | 0.25 | - | 260.61 | 0.25 |
Q3 2023 | 276.04 | 18.6 % | 0.27 | 15.92 | 260.12 | 0.25 |
Q4 2023 | 279.29 | 14.6 % | 0.27 | 3.44 | 275.85 | 0.27 |
2023 | 1,019.97 | (8.0 %) | 1.00 | 19.36 | 1,000.62 | 0.98 |
Q1 2024 | 300.44 | 47.2 % | 0.29 | - | 300.44 | 0.29 |
Q2 2024 | 317.55 | 21.9 % | 0.31 | 42.57 | 274.98 | 0.27 |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
2014 | 572.47 | (12.0 %) | 0.81 | 29.77 | 542.70 | 0.76 |
2015 | 1,287.12 | 124.8 % | 1.81 | 572.65 | 714.47 | 1.01 |
2016 | 871.94 | (32.3 %) | 1.23 | 208.60 | 663.34 | 0.94 |
2017 | 857.51 | (1.7 %) | 1.21 | - | 857.51 | 1.21 |
2018 | 378.28 | (55.9 %) | 0.37 | (551.50) | 929.78 | 0.91 |
2019 | 991.02 | 162.0 % | 0.97 | - | 991.02 | 0.97 |
2020 | 33.75 | (96.6 %) | 0.03 | - | 33.75 | 0.03 |
2021 | 1,006.08 | 2880.6 % | 0.98 | (7.52) | 1,013.60 | 0.99 |
2022 | 1,109.09 | 10.2 % | 1.08 | 52.80 | 1,056.29 | 1.03 |
2023 | 1,019.97 | (8.0 %) | 1.00 | 19.36 | 1,000.62 | 0.98 |
Balance Sheet (B)
Balance Sheet Performance (B)
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
Q1 2015 | 69.37 | 14.4 % | 55.42 | 14.3 % | 40.87 | 11.4 % |
Q2 2015 | 67.63 | 2.8 % | 55.96 | 8.0 % | 42.40 | 8.8 % |
Q3 2015 | 68.31 | 4.1 % | 56.00 | 4.3 % | 42.21 | 4.9 % |
Q4 2015 | 63.26 | (4.9 %) | 49.77 | (8.8 %) | 42.17 | 2.3 % |
Q1 2016 | 65.62 | (5.4 %) | 50.66 | (8.6 %) | 43.32 | 6.0 % |
Q2 2016 | 68.27 | 0.9 % | 50.73 | (9.3 %) | 44.21 | 4.3 % |
Q3 2016 | 65.95 | (3.4 %) | 50.33 | (10.1 %) | 43.19 | 2.3 % |
Q4 2016 | 66.32 | 4.8 % | 51.60 | 3.7 % | 42.10 | (0.2 %) |
Q1 2017 | 65.11 | (0.8 %) | 49.81 | (1.7 %) | 41.33 | (4.6 %) |
Q2 2017 | 67.00 | (1.9 %) | 49.17 | (3.1 %) | 40.97 | (7.3 %) |
Q3 2017 | 67.53 | 2.4 % | 49.68 | (1.3 %) | 40.93 | (5.3 %) |
Q4 2017 | 68.29 | 3.0 % | 50.28 | (2.6 %) | 39.79 | (5.5 %) |
Q1 2018 | 67.98 | 4.4 % | 50.59 | 1.6 % | 39.14 | (5.3 %) |
Q2 2018 | 69.76 | 4.1 % | 47.77 | (2.9 %) | 39.84 | (2.8 %) |
Q3 2018 | 71.73 | 6.2 % | 50.21 | 1.1 % | 40.26 | (1.6 %) |
Q4 2018 | 73.00 | 6.9 % | 51.80 | 3.0 % | 40.90 | 2.8 % |
Q1 2019 | 73.93 | 8.8 % | 51.43 | 1.7 % | 42.13 | 7.6 % |
Q2 2019 | 77.01 | 10.4 % | 55.68 | 16.6 % | 43.60 | 9.4 % |
Q3 2019 | 80.61 | 12.4 % | 59.05 | 17.6 % | 44.53 | 10.6 % |
Q4 2019 | 86.54 | 18.5 % | 62.70 | 21.0 % | 49.66 | 21.4 % |
Q1 2020 | 89.73 | 21.4 % | 62.67 | 21.8 % | 51.98 | 23.4 % |
Q2 2020 | 91.87 | 19.3 % | 63.66 | 14.3 % | 53.76 | 23.3 % |
Q3 2020 | 91.91 | 14.0 % | 62.98 | 6.6 % | 54.14 | 21.6 % |
Q4 2020 | 92.09 | 6.4 % | 68.00 | 8.5 % | 53.96 | 8.7 % |
Q1 2021 | 94.58 | 5.4 % | 70.68 | 12.8 % | 55.17 | 6.1 % |
Q2 2021 | 95.90 | 4.4 % | 70.69 | 11.0 % | 56.90 | 5.8 % |
Q3 2021 | 98.58 | 7.3 % | 74.26 | 17.9 % | 58.44 | 7.9 % |
Q4 2021 | 102.83 | 11.7 % | 78.37 | 15.2 % | 62.43 | 15.7 % |
Q1 2022 | 104.26 | 10.2 % | 79.28 | 12.2 % | 63.20 | 14.6 % |
Q2 2022 | 114.65 | 19.6 % | 86.58 | 22.5 % | 65.57 | 15.2 % |
Q3 2022 | 110.28 | 11.9 % | 82.28 | 10.8 % | 67.65 | 15.8 % |
Q4 2022 | 115.85 | 12.7 % | 86.02 | 9.8 % | 70.60 | 13.1 % |
Q1 2023 | 119.43 | 14.6 % | 86.87 | 9.6 % | 72.03 | 14.0 % |
Q2 2023 | 124.44 | 8.5 % | 92.08 | 6.3 % | 74.94 | 14.3 % |
Q3 2023 | 129.25 | 17.2 % | 90.65 | 10.2 % | 79.41 | 17.4 % |
Q4 2023 | 129.55 | 11.8 % | 94.05 | 9.3 % | 80.78 | 14.4 % |
Q1 2024 | 135.82 | 13.7 % | 97.27 | 12.0 % | 84.12 | 16.8 % |
Q2 2024 | 138.00 | 10.9 % | 98.55 | 7.0 % | 87.21 | 16.4 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
3m 2015 | 69.37 | 14.4 % | 55.42 | 14.3 % | 40.87 | 11.4 % |
6m 2015 | 67.63 | 2.8 % | 55.96 | 8.0 % | 42.40 | 8.8 % |
9m 2015 | 68.31 | 4.1 % | 56.00 | 4.3 % | 42.21 | 4.9 % |
12m 2015 | 63.26 | (4.9 %) | 49.77 | (8.8 %) | 42.17 | 2.3 % |
3m 2016 | 65.62 | (5.4 %) | 50.66 | (8.6 %) | 43.32 | 6.0 % |
6m 2016 | 68.27 | 0.9 % | 50.73 | (9.3 %) | 44.21 | 4.3 % |
9m 2016 | 65.95 | (3.4 %) | 50.33 | (10.1 %) | 43.19 | 2.3 % |
12m 2016 | 66.32 | 4.8 % | 51.60 | 3.7 % | 42.10 | (0.2 %) |
3m 2017 | 65.11 | (0.8 %) | 49.81 | (1.7 %) | 41.33 | (4.6 %) |
6m 2017 | 67.00 | (1.9 %) | 49.17 | (3.1 %) | 40.97 | (7.3 %) |
9m 2017 | 67.53 | 2.4 % | 49.68 | (1.3 %) | 40.93 | (5.3 %) |
12m 2017 | 68.29 | 3.0 % | 50.28 | (2.6 %) | 39.79 | (5.5 %) |
3m 2018 | 67.98 | 4.4 % | 50.59 | 1.6 % | 39.14 | (5.3 %) |
6m 2018 | 69.76 | 4.1 % | 47.77 | (2.9 %) | 39.84 | (2.8 %) |
9m 2018 | 71.73 | 6.2 % | 50.21 | 1.1 % | 40.26 | (1.6 %) |
12m 2018 | 73.00 | 6.9 % | 51.80 | 3.0 % | 40.90 | 2.8 % |
3m 2019 | 73.93 | 8.8 % | 51.43 | 1.7 % | 42.13 | 7.6 % |
6m 2019 | 77.01 | 10.4 % | 55.68 | 16.6 % | 43.60 | 9.4 % |
9m 2019 | 80.61 | 12.4 % | 59.05 | 17.6 % | 44.53 | 10.6 % |
12m 2019 | 86.54 | 18.5 % | 62.70 | 21.0 % | 49.66 | 21.4 % |
3m 2020 | 89.73 | 21.4 % | 62.67 | 21.8 % | 51.98 | 23.4 % |
6m 2020 | 91.87 | 19.3 % | 63.66 | 14.3 % | 53.76 | 23.3 % |
9m 2020 | 91.91 | 14.0 % | 62.98 | 6.6 % | 54.14 | 21.6 % |
12m 2020 | 92.09 | 6.4 % | 68.00 | 8.5 % | 53.96 | 8.7 % |
3m 2021 | 94.58 | 5.4 % | 70.68 | 12.8 % | 55.17 | 6.1 % |
6m 2021 | 95.90 | 4.4 % | 70.69 | 11.0 % | 56.90 | 5.8 % |
9m 2021 | 98.58 | 7.3 % | 74.26 | 17.9 % | 58.44 | 7.9 % |
12m 2021 | 102.83 | 11.7 % | 78.37 | 15.2 % | 62.43 | 15.7 % |
3m 2022 | 104.26 | 10.2 % | 79.28 | 12.2 % | 63.20 | 14.6 % |
6m 2022 | 114.65 | 19.6 % | 86.58 | 22.5 % | 65.57 | 15.2 % |
9m 2022 | 110.28 | 11.9 % | 82.28 | 10.8 % | 67.65 | 15.8 % |
12m 2022 | 115.85 | 12.7 % | 86.02 | 9.8 % | 70.60 | 13.1 % |
3m 2023 | 119.43 | 14.6 % | 86.87 | 9.6 % | 72.03 | 14.0 % |
6m 2023 | 124.44 | 8.5 % | 92.08 | 6.3 % | 74.94 | 14.3 % |
9m 2023 | 129.25 | 17.2 % | 90.65 | 10.2 % | 79.41 | 17.4 % |
12m 2023 | 129.55 | 11.8 % | 94.05 | 9.3 % | 80.78 | 14.4 % |
3m 2024 | 135.82 | 13.7 % | 97.27 | 12.0 % | 84.12 | 16.8 % |
6m 2024 | 138.00 | 10.9 % | 98.55 | 7.0 % | 87.21 | 16.4 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
2014 | 66.55 | 11.0 % | 54.57 | 13.5 % | 41.24 | 17.9 % |
2015 | 63.26 | (4.9 %) | 49.77 | (8.8 %) | 42.17 | 2.3 % |
2016 | 66.32 | 4.8 % | 51.60 | 3.7 % | 42.10 | (0.2 %) |
2017 | 68.29 | 3.0 % | 50.28 | (2.6 %) | 39.79 | (5.5 %) |
2018 | 73.00 | 6.9 % | 51.80 | 3.0 % | 40.90 | 2.8 % |
2019 | 86.54 | 18.5 % | 62.70 | 21.0 % | 49.66 | 21.4 % |
2020 | 92.09 | 6.4 % | 68.00 | 8.5 % | 53.96 | 8.7 % |
2021 | 102.83 | 11.7 % | 78.37 | 15.2 % | 62.43 | 15.7 % |
2022 | 115.85 | 12.7 % | 86.02 | 9.8 % | 70.60 | 13.1 % |
2023 | 129.55 | 11.8 % | 94.05 | 9.3 % | 80.78 | 14.4 % |
Profitability
Profitability
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
Q1 2015 | 0.98 % | 10.52 % | 65.76 % |
Q2 2015 | 1.81 % | 18.43 % | 66.26 % |
Q3 2015 | 1.98 % | 20.04 % | 69.13 % |
Q4 2015 | 1.98 % | 18.97 % | 68.14 % |
2015 | 1.98 % | 18.97 % | 68.14 % |
Q1 2016 | 2.14 % | 20.71 % | 68.78 % |
Q2 2016 | 1.30 % | 11.89 % | 68.91 % |
Q3 2016 | 1.31 % | 11.70 % | 67.47 % |
Q4 2016 | 1.35 % | 11.24 % | 69.19 % |
2016 | 1.35 % | 11.24 % | 69.19 % |
Q1 2017 | 1.08 % | 8.87 % | 70.38 % |
Q2 2017 | 1.11 % | 9.34 % | 71.34 % |
Q3 2017 | 1.22 % | 9.95 % | 71.18 % |
Q4 2017 | 1.27 % | 10.13 % | 70.46 % |
2017 | 1.27 % | 10.13 % | 70.46 % |
Q1 2018 | 1.32 % | 10.46 % | 70.59 % |
Q2 2018 | 1.32 % | 9.15 % | 70.86 % |
Q3 2018 | 1.32 % | 9.10 % | 71.28 % |
Q4 2018 | 0.54 % | 3.77 % | 71.45 % |
2018 | 0.54 % | 3.77 % | 71.45 % |
Q1 2019 | 0.53 % | 3.77 % | 71.30 % |
Q2 2019 | 0.52 % | 3.39 % | 71.03 % |
Q3 2019 | 0.52 % | 3.43 % | 70.31 % |
Q4 2019 | 1.24 % | 8.68 % | 68.93 % |
2019 | 1.24 % | 8.68 % | 68.93 % |
Q1 2020 | 1.15 % | 8.09 % | 69.11 % |
Q2 2020 | 1.01 % | 7.42 % | 70.48 % |
Q3 2020 | 0.90 % | 6.72 % | 72.21 % |
Q4 2020 | 0.04 % | 0.29 % | 72.72 % |
2020 | 0.04 % | 0.29 % | 72.72 % |
Q1 2021 | 0.19 % | 1.49 % | 71.86 % |
Q2 2021 | 0.28 % | 2.20 % | 72.05 % |
Q3 2021 | 0.30 % | 2.39 % | 72.31 % |
Q4 2021 | 1.03 % | 8.60 % | 76.60 % |
2021 | 1.03 % | 8.60 % | 76.60 % |
Q1 2022 | 1.07 % | 8.96 % | 79.23 % |
Q2 2022 | 1.01 % | 8.92 % | 79.71 % |
Q3 2022 | 1.05 % | 9.30 % | 79.10 % |
Q4 2022 | 1.01 % | 9.34 % | 75.74 % |
2022 | 1.01 % | 9.34 % | 75.74 % |
Q1 2023 | 0.84 % | 7.81 % | 74.05 % |
Q2 2023 | 0.79 % | 7.72 % | 72.03 % |
Q3 2023 | 0.82 % | 8.14 % | 71.57 % |
Q4 2023 | 0.83 % | 8.40 % | 71.63 % |
2023 | 0.83 % | 8.40 % | 71.63 % |
Q1 2024 | 0.87 % | 9.06 % | 71.24 % |
Q2 2024 | 0.89 % | 9.31 % | 71.13 % |
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
2014 | 0.90 % | 9.63 % | 65.79 % |
2015 | 1.98 % | 18.97 % | 68.14 % |
2016 | 1.35 % | 11.24 % | 69.19 % |
2017 | 1.27 % | 10.13 % | 70.46 % |
2018 | 0.54 % | 3.77 % | 71.45 % |
2019 | 1.24 % | 8.68 % | 68.93 % |
2020 | 0.04 % | 0.29 % | 72.72 % |
2021 | 1.03 % | 8.60 % | 76.60 % |
2022 | 1.01 % | 9.34 % | 75.74 % |
2023 | 0.83 % | 8.40 % | 71.63 % |
Ratios
Ratios
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
Q1 2015 | 79.89 % | 58.92 % | 73.75 % |
Q2 2015 | 82.75 % | 62.70 % | 75.77 % |
Q3 2015 | 81.98 % | 61.79 % | 75.37 % |
Q4 2015 | 78.66 % | 66.66 % | 84.75 % |
Q1 2016 | 77.19 % | 66.02 % | 85.52 % |
Q2 2016 | 74.31 % | 64.76 % | 87.15 % |
Q3 2016 | 76.32 % | 65.49 % | 85.81 % |
Q4 2016 | 77.81 % | 63.48 % | 81.58 % |
Q1 2017 | 76.50 % | 63.47 % | 82.97 % |
Q2 2017 | 73.38 % | 61.15 % | 83.33 % |
Q3 2017 | 73.56 % | 60.61 % | 82.39 % |
Q4 2017 | 73.63 % | 58.27 % | 79.14 % |
Q1 2018 | 74.43 % | 57.58 % | 77.36 % |
Q2 2018 | 68.47 % | 57.10 % | 83.40 % |
Q3 2018 | 70.00 % | 56.12 % | 80.17 % |
Q4 2018 | 70.96 % | 56.02 % | 78.95 % |
Q1 2019 | 69.57 % | 56.99 % | 81.91 % |
Q2 2019 | 72.30 % | 56.61 % | 78.30 % |
Q3 2019 | 73.25 % | 55.24 % | 75.41 % |
Q4 2019 | 72.44 % | 57.38 % | 79.21 % |
Q1 2020 | 69.84 % | 57.93 % | 82.94 % |
Q2 2020 | 69.29 % | 58.51 % | 84.45 % |
Q3 2020 | 68.52 % | 58.90 % | 85.97 % |
Q4 2020 | 73.85 % | 58.60 % | 79.35 % |
Q1 2021 | 74.73 % | 58.33 % | 78.06 % |
Q2 2021 | 73.72 % | 59.34 % | 80.49 % |
Q3 2021 | 75.34 % | 59.28 % | 78.69 % |
Q4 2021 | 76.21 % | 60.72 % | 79.67 % |
Q1 2022 | 76.04 % | 60.62 % | 79.72 % |
Q2 2022 | 75.52 % | 57.20 % | 75.74 % |
Q3 2022 | 74.61 % | 61.35 % | 82.22 % |
Q4 2022 | 74.25 % | 60.94 % | 82.07 % |
Q1 2023 | 72.73 % | 60.31 % | 82.92 % |
Q2 2023 | 73.99 % | 60.22 % | 81.39 % |
Q3 2023 | 70.13 % | 61.44 % | 87.61 % |
Q4 2023 | 72.60 % | 62.35 % | 85.89 % |
Q1 2024 | 71.61 % | 61.93 % | 86.48 % |
Q2 2024 | 71.41 % | 63.19 % | 88.49 % |
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
2014 | 81.99 % | 61.97 % | 75.58 % |
2015 | 78.66 % | 66.66 % | 84.75 % |
2016 | 77.81 % | 63.48 % | 81.58 % |
2017 | 73.63 % | 58.27 % | 79.14 % |
2018 | 70.96 % | 56.02 % | 78.95 % |
2019 | 72.44 % | 57.38 % | 79.21 % |
2020 | 73.85 % | 58.60 % | 79.35 % |
2021 | 76.21 % | 60.72 % | 79.67 % |
2022 | 74.25 % | 60.94 % | 82.07 % |
2023 | 72.60 % | 62.35 % | 85.89 % |
Per Share Data (Riyal)
Per Share Data (Riyal)
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
Q1 2015 | 709.43 | 0.90 | 0.87 | - | 8.90 |
Q2 2015 | 709.43 | 1.70 | 0.88 | - | 10.07 |
Q3 2015 | 709.43 | 1.87 | 1.05 | - | 10.17 |
Q4 2015 | 709.43 | 1.81 | 1.01 | - | 10.45 |
Q1 2016 | 709.43 | 2.03 | 0.93 | - | 10.72 |
Q2 2016 | 709.43 | 1.24 | 0.95 | - | 10.86 |
Q3 2016 | 709.43 | 1.24 | 0.94 | - | 11.00 |
Q4 2016 | 709.43 | 1.23 | 0.94 | - | 11.42 |
Q1 2017 | 709.43 | 1.00 | 1.00 | - | 11.74 |
Q2 2017 | 709.43 | 1.06 | 1.06 | - | 11.74 |
Q3 2017 | 709.43 | 1.15 | 1.15 | - | 12.13 |
Q4 2017 | 709.43 | 1.21 | 1.21 | - | 12.44 |
Q1 2018 | 709.43 | 1.24 | 1.24 | - | 11.94 |
Q2 2018 | 1,025.00 | 0.88 | 0.88 | - | 11.12 |
Q3 2018 | 1,025.00 | 0.90 | 0.90 | - | 11.36 |
Q4 2018 | 1,025.00 | 0.37 | 0.91 | - | 10.97 |
Q1 2019 | 1,025.00 | 0.37 | 0.91 | - | 11.21 |
Q2 2019 | 1,025.00 | 0.37 | 0.91 | - | 11.04 |
Q3 2019 | 1,025.00 | 0.38 | 0.92 | - | 11.04 |
Q4 2019 | 1,025.00 | 0.97 | 0.97 | - | 11.31 |
Q1 2020 | 1,025.00 | 0.91 | 0.91 | - | 11.39 |
Q2 2020 | 1,025.00 | 0.83 | 0.83 | - | 11.35 |
Q3 2020 | 1,025.00 | 0.76 | 0.76 | - | 11.51 |
Q4 2020 | 1,025.00 | 0.03 | 0.03 | 0.04 | 11.09 |
Q1 2021 | 1,025.00 | 0.17 | 0.17 | 0.17 | 11.44 |
Q2 2021 | 1,025.00 | 0.25 | 0.21 | 0.26 | 11.64 |
Q3 2021 | 1,025.00 | 0.28 | 0.28 | 0.28 | 11.51 |
Q4 2021 | 1,025.00 | 0.98 | 0.99 | 0.98 | 11.73 |
Q1 2022 | 1,025.00 | 1.03 | 0.99 | 1.02 | 11.63 |
Q2 2022 | 1,025.00 | 1.04 | 1.04 | 1.00 | 11.69 |
Q3 2022 | 1,025.00 | 1.07 | 1.02 | 1.02 | 11.45 |
Q4 2022 | 1,025.00 | 1.08 | 1.03 | 1.00 | 11.45 |
Q1 2023 | 1,025.00 | 0.92 | 0.91 | 0.86 | 11.80 |
Q2 2023 | 1,025.00 | 0.92 | 0.92 | 0.84 | 12.09 |
Q3 2023 | 1,025.00 | 0.96 | 0.94 | 0.88 | 12.15 |
Q4 2023 | 1,025.00 | 1.00 | 0.98 | 0.86 | 12.23 |
Q1 2024 | 1,025.00 | 1.09 | 1.07 | 0.95 | 12.26 |
Q2 2024 | 1,025.00 | 1.14 | 1.08 | 0.95 | 12.49 |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
2014 | 709.43 | 0.81 | 0.76 | - | 8.68 |
2015 | 709.43 | 1.81 | 1.01 | - | 10.45 |
2016 | 709.43 | 1.23 | 0.94 | - | 11.42 |
2017 | 709.43 | 1.21 | 1.21 | - | 12.44 |
2018 | 1,025.00 | 0.37 | 0.91 | - | 10.97 |
2019 | 1,025.00 | 0.97 | 0.97 | - | 11.31 |
2020 | 1,025.00 | 0.03 | 0.03 | 0.03 | 11.09 |
2021 | 1,025.00 | 0.98 | 0.99 | 0.98 | 11.73 |
2022 | 1,025.00 | 1.08 | 1.03 | 1.01 | 11.45 |
2023 | 1,025.00 | 1.00 | 0.98 | 0.86 | 12.23 |
Multiple Ratios (End of Period Price)
Ratios And Multiples
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
Q1 2015 | 25.30 | 26.22 | 2.56 |
Q2 2015 | 13.58 | 26.24 | 2.30 |
Q3 2015 | 8.83 | 15.75 | 1.62 |
Q4 2015 | 7.28 | 13.12 | 1.26 |
Q1 2016 | 5.33 | 11.64 | 1.01 |
Q2 2016 | 8.40 | 11.00 | 0.96 |
Q3 2016 | 6.56 | 8.61 | 0.74 |
Q4 2016 | 9.40 | 12.36 | 1.01 |
Q1 2017 | 13.51 | 13.51 | 1.15 |
Q2 2017 | 11.77 | 11.77 | 1.06 |
Q3 2017 | 12.71 | 12.71 | 1.21 |
Q4 2017 | 11.09 | 11.09 | 1.08 |
Q1 2018 | 10.46 | 10.46 | 1.08 |
Q2 2018 | 13.42 | 13.42 | 1.06 |
Q3 2018 | 12.84 | 12.84 | 1.02 |
Q4 2018 | 30.96 | 12.59 | 1.04 |
Q1 2019 | 36.53 | 14.82 | 1.20 |
Q2 2019 | 32.60 | 13.39 | 1.11 |
Q3 2019 | 28.15 | 11.73 | 0.98 |
Q4 2019 | 12.44 | 12.44 | 1.06 |
Q1 2020 | 9.92 | 9.92 | 0.80 |
Q2 2020 | 10.88 | 10.88 | 0.80 |
Q3 2020 | 14.81 | 14.81 | 0.97 |
Q4 2020 | More than 100 | More than 100 | 0.99 |
Q1 2021 | More than 100 | More than 100 | 1.10 |
Q2 2021 | More than 100 | More than 100 | 1.27 |
Q3 2021 | More than 100 | More than 100 | 1.28 |
Q4 2021 | 15.76 | 15.64 | 1.32 |
Q1 2022 | 20.73 | 21.62 | 1.81 |
Q2 2022 | 17.84 | 17.92 | 1.53 |
Q3 2022 | 17.67 | 18.47 | 1.58 |
Q4 2022 | 15.20 | 15.96 | 1.33 |
Q1 2023 | 16.99 | 17.01 | 1.23 |
Q2 2023 | 17.43 | 17.45 | 1.21 |
Q3 2023 | 15.20 | 15.47 | 1.11 |
Q4 2023 | 17.39 | 17.73 | 1.22 |
Q1 2024 | 16.57 | 16.86 | 1.29 |
Q2 2024 | 17.29 | 18.25 | 1.32 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
2014 | 28.05 | 29.58 | 2.61 |
2015 | 7.28 | 13.12 | 1.26 |
2016 | 9.40 | 12.36 | 1.01 |
2017 | 11.09 | 11.09 | 1.08 |
2018 | 30.96 | 12.59 | 1.04 |
2019 | 12.44 | 12.44 | 1.06 |
2020 | More than 100 | More than 100 | 0.99 |
2021 | 15.76 | 15.64 | 1.32 |
2022 | 15.16 | 15.92 | 1.33 |
2023 | 17.38 | 17.71 | 1.22 |
Business Segments (Million)
Q2 2024
Revenue by Business Segment (Latest) 2024 Q2
2024
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Brokerage and Asset Management | Takaful Ta'awni | Others |
---|---|---|---|---|---|---|
Q1 2015 | 211.86 | 173.44 | 153.59 | 94.53 | 5.44 | (14.49) |
Q2 2015 | 220.02 | 153.97 | 170.90 | 88.18 | 5.37 | 545.83 |
Q3 2015 | 213.55 | 144.66 | 156.01 | 34.56 | 5.29 | (22.03) |
Q4 2015 | 248.50 | 105.60 | 191.82 | 53.46 | 5.24 | (23.79) |
Q1 2016 | 251.38 | 120.43 | 166.80 | 53.64 | 4.52 | 176.49 |
Q2 2016 | 245.82 | 110.98 | 197.39 | 51.27 | 4.75 | (30.34) |
Q3 2016 | 230.30 | 124.05 | 203.25 | 37.20 | 5.84 | (25.29) |
Q4 2016 | 191.78 | 128.75 | 196.50 | 51.38 | 5.11 | (29.47) |
Q1 2017 | 253.88 | 143.41 | 203.93 | 47.12 | 5.10 | (36.14) |
Q2 2017 | 270.06 | 151.98 | 219.07 | 42.23 | 4.78 | (43.00) |
Q3 2017 | 281.75 | 127.62 | 268.85 | 42.18 | 4.67 | (55.81) |
Q4 2017 | 276.54 | 115.18 | 258.46 | 45.42 | 5.21 | (52.73) |
Q1 2018 | 281.78 | 112.34 | 254.45 | 46.80 | 4.81 | (54.06) |
Q2 2018 | 292.74 | 108.63 | 280.93 | 45.51 | 4.90 | (60.48) |
Q3 2018 | 298.25 | 111.60 | 277.52 | 35.48 | 4.83 | (61.86) |
Q4 2018 | 312.71 | 100.82 | 279.43 | 44.35 | 4.61 | (61.32) |
Q1 2019 | 336.04 | 122.71 | 257.01 | 41.97 | 4.46 | (66.36) |
Q2 2019 | 345.58 | 126.47 | 267.15 | 38.29 | 4.42 | (67.51) |
Q3 2019 | 355.96 | 117.66 | 312.05 | 37.62 | 4.42 | (78.08) |
Q4 2019 | 364.63 | 189.87 | 302.46 | 49.76 | 4.31 | (93.72) |
Q1 2020 | 427.82 | 147.36 | 244.29 | 50.52 | 0.39 | (101.46) |
Q2 2020 | 396.92 | 152.77 | 269.36 | 49.49 | (0.39) | (78.73) |
Q3 2020 | 395.15 | 151.67 | 276.16 | 74.43 | - | (85.51) |
Q4 2020 | 468.08 | 153.50 | 263.10 | 107.52 | - | (75.30) |
Q1 2021 | 474.07 | 175.37 | 256.47 | 95.80 | - | (56.27) |
Q2 2021 | 454.23 | 157.11 | 188.19 | 72.11 | - | (43.21) |
Q3 2021 | 497.52 | 179.43 | 194.90 | 65.85 | - | (59.44) |
Q4 2021 | 486.82 | 168.13 | 222.19 | 77.46 | - | (59.57) |
Q1 2022 | 515.10 | 188.06 | 262.95 | 76.67 | - | (56.61) |
Q2 2022 | 457.64 | 178.10 | 166.27 | 69.62 | - | (64.70) |
Q3 2022 | 450.02 | 208.63 | 224.47 | 83.41 | - | (85.41) |
Q4 2022 | 393.27 | 232.75 | 161.21 | 110.83 | - | (76.96) |
Q1 2023 | 408.45 | 210.16 | 154.19 | 79.66 | - | (68.58) |
Q2 2023 | 524.28 | 224.31 | 69.41 | 79.04 | - | (89.30) |
Q3 2023 | 478.30 | 252.42 | 78.47 | 115.33 | - | (71.36) |
Q4 2023 | 404.86 | 232.85 | 199.03 | 122.30 | - | (69.13) |
Q1 2024 | 373.92 | 248.81 | 224.95 | 116.80 | - | (76.18) |
Q2 2024 | 637.62 | 257.51 | (33.08) | 113.28 | - | (72.27) |
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Brokerage and Asset Management | Takaful Ta'awni | Others |
---|---|---|---|---|---|---|
2014 | 739.72 | 558.51 | 614.79 | 346.39 | 22.22 | (55.39) |
2015 | 893.94 | 577.67 | 672.32 | 270.73 | 21.34 | 485.52 |
2016 | 919.29 | 484.21 | 763.93 | 193.48 | 20.21 | 91.39 |
2017 | 1,082.22 | 538.19 | 950.31 | 176.95 | 19.75 | (187.68) |
2018 | 1,185.48 | 433.39 | 1,092.33 | 172.14 | 19.14 | (237.73) |
2019 | 1,402.21 | 556.71 | 1,138.67 | 167.64 | 17.60 | (305.67) |
2020 | 1,687.96 | 605.30 | 1,052.91 | 281.95 | - | (341.00) |
2021 | 1,912.64 | 680.04 | 861.75 | 311.22 | - | (218.49) |
2022 | 1,816.03 | 807.53 | 814.89 | 340.53 | - | (283.68) |
2023 | 1,622.25 | 894.87 | 713.32 | 396.33 | - | (292.12) |
Analysts Estimates (Million)
Analysts Estimates (Million)
Item | Q2 2024 (e) | Q2 2024 (a) | Change |
---|---|---|---|
Average | 303.15 | 317.55 | 4.75 % |
Estimates vs Actual (Million)
Estimates Accuracy
Item | Q2 2024 (e) | Q2 2024 (a) | Change |
---|---|---|---|
OSOOL AND BAKHEET | 316.18 | 317.55 | 0.4 % |
YAQEEN | 322.00 | 317.55 | (1.4) % |
SNB Capital | 297.00 | 317.55 | 6.9 % |
Value Capital | 277.40 | 317.55 | 14.5 % |
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