The Saudi British Bank, the 5th largest Saudi bank in terms of assets, reported SAR 2798m net profit at the end of I3 of 2013, a 15% increase compared to the same period last year, as shown in the following table:
Item | 9m 2012 | 9m 2013 | Change |
---|---|---|---|
Net Special Commission Income | 2,443.35 | 2,774.07 | 13.5 % |
Operating Income | 3,938.26 | 4,413.24 | 12.1 % |
Total Provisions | (438.38) | (425.19) | 3.0 % |
Net Income | 2,424.92 | 2,798.31 | 15.4 % |
Average Shares | 1,500.00 | 1,500.00 | - |
EPS (Riyals) | 1.62 | 1.87 | 15.4 % |
Item | Q3 2012 | Q3 2013 | Change |
---|---|---|---|
Net Special Commission Income | 841.66 | 949.92 | 12.9 % |
Operating Income | 1,325.49 | 1,474.03 | 11.2 % |
Debt Provisions | (287.71) | (214.80) | 25.3 % |
Net Income | 655.74 | 845.78 | 29.0 % |
Average Shares | 1,500.00 | 1,500.00 | - |
EPS (Riyals) | 0.44 | 0.56 | 29.0 % |
Item | Q2 2013 | Q3 2013 | Change |
---|---|---|---|
Net Special Commission Income | 938.92 | 949.92 | 1.2 % |
Operating Income | 1,501.66 | 1,474.03 | (1.8 %) |
Debt Provisions | (105.81) | (214.80) | (103.0 %) |
Net Income | 1,004.67 | 845.78 | (15.8 %) |
Average Shares | 1,500.00 | 1,500.00 | - |
EPS (Riyals) | 0.67 | 0.56 | (15.8 %) |
Item | 9m 2012 | 9m 2013 | Change |
---|---|---|---|
Assets | 156.24 | 166.28 | 6.4 % |
Customer Deposits | 119.70 | 129.92 | 8.5 % |
Loan | 97.80 | 107.83 | 10.3 % |
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
Q1 2004 | 423.65 | 8.6 % | 573.50 | 16.5 % | (14.02) | 50.6 % |
Q2 2004 | 419.00 | 12.0 % | 698.73 | 34.3 % | (7.85) | 74.7 % |
Q3 2004 | 399.56 | (2.8 %) | 630.49 | 11.7 % | (11.38) | (2.7 %) |
Q4 2004 | 437.59 | 2.1 % | 662.42 | 17.1 % | (27.37) | 5.0 % |
2004 | 1,679.80 | 4.7 % | 2,565.13 | 19.7 % | (60.62) | 38.9 % |
Q1 2005 | 448.89 | 6.0 % | 706.14 | 23.1 % | (19.76) | (41.0 %) |
Q2 2005 | 496.85 | 18.6 % | 1,034.88 | 48.1 % | (32.85) | (318.4 %) |
Q3 2005 | 540.97 | 35.4 % | 1,015.32 | 61.0 % | (48.39) | (325.4 %) |
Q4 2005 | 486.89 | 11.3 % | 1,064.06 | 60.6 % | (6.76) | 75.3 % |
2005 | 1,973.60 | 17.5 % | 3,820.40 | 48.9 % | (107.77) | (77.8 %) |
Q1 2006 | 586.30 | 30.6 % | 1,420.78 | 101.2 % | (47.68) | (141.3 %) |
Q2 2006 | 636.87 | 28.2 % | 1,206.90 | 16.6 % | (36.69) | (11.7 %) |
Q3 2006 | 670.56 | 24.0 % | 977.02 | (3.8 %) | (42.87) | 11.4 % |
Q4 2006 | 690.09 | 41.7 % | 1,011.99 | (4.9 %) | (97.32) | (1,340.7 %) |
2006 | 2,583.82 | 30.9 % | 4,616.69 | 20.8 % | (224.56) | (108.4 %) |
Q1 2007 | 711.24 | 21.3 % | 1,027.88 | (27.7 %) | (100.13) | (110.0 %) |
Q2 2007 | 740.88 | 16.3 % | 1,026.98 | (14.9 %) | (88.40) | (140.9 %) |
Q3 2007 | 783.03 | 16.8 % | 1,100.04 | 12.6 % | (103.28) | (140.9 %) |
Q4 2007 | 823.55 | 19.3 % | 1,219.05 | 20.5 % | (104.45) | (7.3 %) |
2007 | 3,058.70 | 18.4 % | 4,373.95 | (5.3 %) | (396.26) | (76.5 %) |
Q1 2008 | 854.42 | 20.1 % | 1,191.39 | 15.9 % | (75.20) | 24.9 % |
Q2 2008 | 818.45 | 10.5 % | 1,330.34 | 29.5 % | (109.86) | (24.3 %) |
Q3 2008 | 755.46 | (3.5 %) | 1,177.59 | 7.0 % | (91.77) | 11.1 % |
Q4 2008 | 778.72 | (5.4 %) | 1,212.21 | (0.6 %) | (94.45) | 9.6 % |
2008 | 3,207.04 | 4.9 % | 4,911.53 | 12.3 % | (371.28) | 6.3 % |
Q1 2009 | 880.93 | 3.1 % | 1,286.25 | 8.0 % | (116.29) | (54.6 %) |
Q2 2009 | 894.07 | 9.2 % | 1,382.89 | 4.0 % | (314.37) | (186.2 %) |
Q3 2009 | 854.14 | 13.1 % | 1,304.49 | 10.8 % | (351.54) | (283.1 %) |
Q4 2009 | 807.61 | 3.7 % | 1,186.65 | (2.1 %) | (714.28) | (656.3 %) |
2009 | 3,436.74 | 7.2 % | 5,160.28 | 5.1 % | (1,496.48) | (303.1 %) |
Q1 2010 | 770.14 | (12.6 %) | 1,205.11 | (6.3 %) | (176.47) | (51.7 %) |
Q2 2010 | 942.85 | 5.5 % | 1,359.78 | (1.7 %) | (504.02) | (60.3 %) |
Q3 2010 | 799.77 | (6.4 %) | 1,158.18 | (11.2 %) | (324.48) | 7.7 % |
Q4 2010 | 730.28 | (9.6 %) | 1,116.35 | (5.9 %) | (238.11) | 66.7 % |
2010 | 3,243.04 | (5.6 %) | 4,839.42 | (6.2 %) | (1,243.08) | 16.9 % |
Q1 2011 | 725.68 | (5.8 %) | 1,219.51 | 1.2 % | (67.24) | 61.9 % |
Q2 2011 | 778.89 | (17.4 %) | 1,347.80 | (0.9 %) | (124.49) | 75.3 % |
Q3 2011 | 786.97 | (1.6 %) | 1,209.52 | 4.4 % | (195.38) | 39.8 % |
Q4 2011 | 730.44 | 0.0 % | 1,121.78 | 0.5 % | (81.68) | 65.7 % |
2011 | 3,021.98 | (6.8 %) | 4,898.59 | 1.2 % | (468.79) | 62.3 % |
Q1 2012 | 775.03 | 6.8 % | 1,235.04 | 1.3 % | (36.46) | 45.8 % |
Q2 2012 | 826.65 | 6.1 % | 1,377.72 | 2.2 % | (114.21) | 8.3 % |
Q3 2012 | 841.66 | 7.0 % | 1,325.49 | 9.6 % | (287.71) | (47.3 %) |
Q4 2012 | 820.75 | 12.4 % | 1,228.22 | 9.5 % | (0.58) | 99.3 % |
2012 | 3,264.10 | 8.0 % | 5,166.48 | 5.5 % | (438.96) | 6.4 % |
Q1 2013 | 885.23 | 14.2 % | 1,437.55 | 16.4 % | (104.57) | (186.8 %) |
Q2 2013 | 938.92 | 13.6 % | 1,501.66 | 9.0 % | (105.81) | 7.4 % |
Q3 2013 | 949.92 | 12.9 % | 1,474.03 | 11.2 % | (214.80) | 25.3 % |
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
2003 | 1,604.40 | - | 2,142.34 | - | (99.28) | - |
2004 | 1,679.80 | 4.7 % | 2,565.13 | 19.7 % | (60.62) | 38.9 % |
2005 | 1,973.60 | 17.5 % | 3,820.40 | 48.9 % | (107.77) | (77.8 %) |
2006 | 2,583.82 | 30.9 % | 4,616.69 | 20.8 % | (224.56) | (108.4 %) |
2007 | 3,058.70 | 18.4 % | 4,373.95 | (5.3 %) | (396.26) | (76.5 %) |
2008 | 3,207.04 | 4.9 % | 4,911.53 | 12.3 % | (371.28) | 6.3 % |
2009 | 3,436.74 | 7.2 % | 5,160.28 | 5.1 % | (1,496.48) | (303.1 %) |
2010 | 3,243.04 | (5.6 %) | 4,839.42 | (6.2 %) | (1,243.08) | 16.9 % |
2011 | 3,021.98 | (6.8 %) | 4,898.59 | 1.2 % | (468.79) | 62.3 % |
2012 | 3,264.10 | 8.0 % | 5,166.48 | 5.5 % | (438.96) | 6.4 % |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
Q1 2004 | 359.20 | 30.3 % | 0.24 | - | 359.20 | 0.24 |
Q2 2004 | 470.64 | 62.5 % | 0.31 | - | 470.64 | 0.31 |
Q3 2004 | 412.58 | 19.0 % | 0.28 | - | 412.58 | 0.28 |
Q4 2004 | 403.46 | 16.6 % | 0.27 | - | 403.46 | 0.27 |
2004 | 1,645.87 | 30.8 % | 1.10 | - | 1,645.87 | 1.10 |
Q1 2005 | 455.89 | 26.9 % | 0.30 | - | 455.89 | 0.30 |
Q2 2005 | 744.08 | 58.1 % | 0.50 | - | 744.08 | 0.50 |
Q3 2005 | 674.01 | 63.4 % | 0.45 | - | 674.01 | 0.45 |
Q4 2005 | 630.33 | 56.2 % | 0.42 | - | 630.33 | 0.42 |
2005 | 2,504.32 | 52.2 % | 1.67 | - | 2,504.32 | 1.67 |
Q1 2006 | 986.18 | 116.3 % | 0.66 | - | 986.18 | 0.66 |
Q2 2006 | 822.88 | 10.6 % | 0.55 | - | 822.88 | 0.55 |
Q3 2006 | 645.69 | (4.2 %) | 0.43 | - | 645.69 | 0.43 |
Q4 2006 | 585.53 | (7.1 %) | 0.39 | - | 585.53 | 0.39 |
2006 | 3,040.28 | 21.4 % | 2.03 | - | 3,040.28 | 2.03 |
Q1 2007 | 616.31 | (37.5 %) | 0.41 | - | 616.31 | 0.41 |
Q2 2007 | 634.94 | (22.8 %) | 0.42 | - | 634.94 | 0.42 |
Q3 2007 | 650.86 | 0.8 % | 0.43 | - | 650.86 | 0.43 |
Q4 2007 | 704.83 | 20.4 % | 0.47 | - | 704.83 | 0.47 |
2007 | 2,606.94 | (14.3 %) | 1.74 | - | 2,606.94 | 1.74 |
Q1 2008 | 757.01 | 22.8 % | 0.50 | - | 757.01 | 0.50 |
Q2 2008 | 795.05 | 25.2 % | 0.53 | - | 795.05 | 0.53 |
Q3 2008 | 711.14 | 9.3 % | 0.47 | - | 711.14 | 0.47 |
Q4 2008 | 656.82 | (6.8 %) | 0.44 | - | 656.82 | 0.44 |
2008 | 2,920.02 | 12.0 % | 1.95 | - | 2,920.02 | 1.95 |
Q1 2009 | 759.95 | 0.4 % | 0.51 | - | 759.95 | 0.51 |
Q2 2009 | 675.99 | (15.0 %) | 0.45 | - | 675.99 | 0.45 |
Q3 2009 | 570.46 | (19.8 %) | 0.38 | - | 570.46 | 0.38 |
Q4 2009 | 25.88 | (96.1 %) | 0.02 | - | 25.88 | 0.02 |
2009 | 2,032.28 | (30.4 %) | 1.35 | - | 2,032.28 | 1.35 |
Q1 2010 | 620.81 | (18.3 %) | 0.41 | - | 620.81 | 0.41 |
Q2 2010 | 446.77 | (33.9 %) | 0.30 | - | 446.77 | 0.30 |
Q3 2010 | 418.94 | (26.6 %) | 0.28 | - | 418.94 | 0.28 |
Q4 2010 | 396.64 | 1432.7 % | 0.26 | - | 396.64 | 0.26 |
2010 | 1,883.15 | (7.3 %) | 1.26 | - | 1,883.15 | 1.26 |
Q1 2011 | 751.42 | 21.0 % | 0.50 | - | 751.42 | 0.50 |
Q2 2011 | 851.57 | 90.6 % | 0.57 | - | 851.57 | 0.57 |
Q3 2011 | 630.16 | 50.4 % | 0.42 | - | 630.16 | 0.42 |
Q4 2011 | 655.28 | 65.2 % | 0.44 | - | 655.28 | 0.44 |
2011 | 2,888.44 | 53.4 % | 1.93 | - | 2,888.44 | 1.93 |
Q1 2012 | 854.19 | 13.7 % | 0.57 | - | 854.19 | 0.57 |
Q2 2012 | 914.98 | 7.4 % | 0.61 | - | 914.98 | 0.61 |
Q3 2012 | 655.74 | 4.1 % | 0.44 | - | 655.74 | 0.44 |
Q4 2012 | 815.39 | 24.4 % | 0.54 | - | 815.39 | 0.54 |
2012 | 3,240.31 | 12.2 % | 2.16 | - | 3,240.31 | 2.16 |
Q1 2013 | 947.86 | 11.0 % | 0.63 | - | 947.86 | 0.63 |
Q2 2013 | 1,004.67 | 9.8 % | 0.67 | - | 1,004.67 | 0.67 |
Q3 2013 | 845.78 | 29.0 % | 0.56 | - | 845.78 | 0.56 |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
2003 | 1,257.88 | - | 0.84 | - | 1,257.88 | 0.84 |
2004 | 1,645.87 | 30.8 % | 1.10 | - | 1,645.87 | 1.10 |
2005 | 2,504.32 | 52.2 % | 1.67 | - | 2,504.32 | 1.67 |
2006 | 3,040.28 | 21.4 % | 2.03 | - | 3,040.28 | 2.03 |
2007 | 2,606.94 | (14.3 %) | 1.74 | - | 2,606.94 | 1.74 |
2008 | 2,920.02 | 12.0 % | 1.95 | - | 2,920.02 | 1.95 |
2009 | 2,032.28 | (30.4 %) | 1.35 | - | 2,032.28 | 1.35 |
2010 | 1,883.15 | (7.3 %) | 1.26 | - | 1,883.15 | 1.26 |
2011 | 2,888.44 | 53.4 % | 1.93 | - | 2,888.44 | 1.93 |
2012 | 3,240.31 | 12.2 % | 2.16 | - | 3,240.31 | 2.16 |
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
Q1 2004 | 2.77 % | 27.63 % | 73.66 % |
Q2 2004 | 3.14 % | 31.67 % | 70.05 % |
Q3 2004 | 3.16 % | 30.66 % | 67.70 % |
Q4 2004 | 3.17 % | 32.49 % | 65.49 % |
2004 | 3.17 % | 32.49 % | 65.49 % |
Q1 2005 | 3.24 % | 31.65 % | 63.20 % |
Q2 2005 | 3.65 % | 36.01 % | 58.77 % |
Q3 2005 | 3.81 % | 36.96 % | 56.29 % |
Q4 2005 | 4.04 % | 38.89 % | 51.66 % |
2005 | 4.04 % | 38.89 % | 51.66 % |
Q1 2006 | 4.62 % | 43.26 % | 46.55 % |
Q2 2006 | 4.67 % | 41.45 % | 47.82 % |
Q3 2006 | 4.27 % | 39.30 % | 50.99 % |
Q4 2006 | 4.25 % | 35.98 % | 55.97 % |
2006 | 4.25 % | 35.98 % | 55.97 % |
Q1 2007 | 3.49 % | 30.97 % | 64.13 % |
Q2 2007 | 3.14 % | 26.78 % | 69.56 % |
Q3 2007 | 2.98 % | 26.82 % | 70.20 % |
Q4 2007 | 2.97 % | 26.29 % | 69.93 % |
2007 | 2.97 % | 26.29 % | 69.93 % |
Q1 2008 | 2.96 % | 28.29 % | 70.57 % |
Q2 2008 | 2.75 % | 28.25 % | 67.75 % |
Q3 2008 | 2.67 % | 28.77 % | 66.12 % |
Q4 2008 | 2.54 % | 26.47 % | 65.30 % |
2008 | 2.54 % | 26.47 % | 65.30 % |
Q1 2009 | 2.45 % | 25.61 % | 64.59 % |
Q2 2009 | 2.26 % | 23.34 % | 65.41 % |
Q3 2009 | 2.08 % | 22.13 % | 65.71 % |
Q4 2009 | 1.57 % | 16.47 % | 66.60 % |
2009 | 1.57 % | 16.47 % | 66.60 % |
Q1 2010 | 1.50 % | 14.44 % | 65.48 % |
Q2 2010 | 1.37 % | 12.18 % | 66.75 % |
Q3 2010 | 1.25 % | 10.83 % | 67.63 % |
Q4 2010 | 1.49 % | 13.35 % | 67.01 % |
2010 | 1.49 % | 13.35 % | 67.01 % |
Q1 2011 | 1.63 % | 13.91 % | 65.90 % |
Q2 2011 | 1.94 % | 16.02 % | 62.68 % |
Q3 2011 | 2.10 % | 16.82 % | 61.76 % |
Q4 2011 | 2.19 % | 17.86 % | 61.69 % |
2011 | 2.19 % | 17.86 % | 61.69 % |
Q1 2012 | 2.22 % | 18.18 % | 62.50 % |
Q2 2012 | 2.17 % | 17.74 % | 63.09 % |
Q3 2012 | 2.14 % | 17.28 % | 62.72 % |
Q4 2012 | 2.19 % | 17.41 % | 63.18 % |
2012 | 2.19 % | 17.41 % | 63.18 % |
Q1 2013 | 2.20 % | 17.68 % | 62.85 % |
Q2 2013 | 2.18 % | 17.36 % | 63.47 % |
Q3 2013 | 2.24 % | 17.58 % | 63.72 % |
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
2003 | - | - | 74.89 % |
2004 | 3.17 % | 32.49 % | 65.49 % |
2005 | 4.04 % | 38.89 % | 51.66 % |
2006 | 4.25 % | 35.98 % | 55.97 % |
2007 | 2.97 % | 26.29 % | 69.93 % |
2008 | 2.54 % | 26.47 % | 65.30 % |
2009 | 1.57 % | 16.47 % | 66.60 % |
2010 | 1.49 % | 13.35 % | 67.01 % |
2011 | 2.19 % | 17.86 % | 61.69 % |
2012 | 2.19 % | 17.41 % | 63.18 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
Q1 2004 | 49.81 | 5.7 % | 37.17 | 8.7 % | 27.21 | 21.2 % |
Q2 2004 | 49.98 | 6.4 % | 39.28 | 7.6 % | 27.97 | 20.2 % |
Q3 2004 | 52.30 | 8.6 % | 39.37 | 8.3 % | 29.45 | 22.0 % |
Q4 2004 | 57.93 | 25.8 % | 44.67 | 23.8 % | 31.63 | 21.1 % |
Q1 2005 | 57.67 | 15.8 % | 42.29 | 13.8 % | 32.26 | 18.6 % |
Q2 2005 | 60.50 | 21.0 % | 44.46 | 13.2 % | 35.42 | 26.6 % |
Q3 2005 | 67.35 | 28.8 % | 45.60 | 15.8 % | 39.65 | 34.6 % |
Q4 2005 | 65.93 | 13.8 % | 48.53 | 8.7 % | 40.85 | 29.2 % |
Q1 2006 | 73.67 | 27.7 % | 54.52 | 28.9 % | 39.50 | 22.4 % |
Q2 2006 | 72.78 | 20.3 % | 55.11 | 24.0 % | 39.12 | 10.4 % |
Q3 2006 | 77.29 | 14.8 % | 59.65 | 30.8 % | 41.19 | 3.9 % |
Q4 2006 | 77.19 | 17.1 % | 59.26 | 22.1 % | 42.45 | 3.9 % |
Q1 2007 | 79.53 | 8.0 % | 59.83 | 9.7 % | 42.75 | 8.2 % |
Q2 2007 | 85.11 | 16.9 % | 65.23 | 18.4 % | 48.62 | 24.3 % |
Q3 2007 | 89.58 | 15.9 % | 70.29 | 17.8 % | 54.19 | 31.6 % |
Q4 2007 | 98.21 | 27.2 % | 71.85 | 21.2 % | 62.00 | 46.1 % |
Q1 2008 | 106.41 | 33.8 % | 78.41 | 31.0 % | 66.62 | 55.8 % |
Q2 2008 | 126.15 | 48.2 % | 89.09 | 36.6 % | 77.54 | 59.5 % |
Q3 2008 | 132.62 | 48.1 % | 95.73 | 36.2 % | 83.58 | 54.2 % |
Q4 2008 | 131.66 | 34.1 % | 92.68 | 29.0 % | 80.24 | 29.4 % |
Q1 2009 | 132.57 | 24.6 % | 96.63 | 23.2 % | 79.31 | 19.0 % |
Q2 2009 | 121.96 | (3.3 %) | 91.54 | 2.7 % | 78.72 | 1.5 % |
Q3 2009 | 123.91 | (6.6 %) | 89.25 | (6.8 %) | 78.83 | (5.7 %) |
Q4 2009 | 126.84 | (3.7 %) | 89.19 | (3.8 %) | 76.38 | (4.8 %) |
Q1 2010 | 120.53 | (9.1 %) | 90.02 | (6.8 %) | 75.70 | (4.6 %) |
Q2 2010 | 120.31 | (1.4 %) | 94.16 | 2.9 % | 74.75 | (5.0 %) |
Q3 2010 | 118.35 | (4.5 %) | 90.67 | 1.6 % | 74.69 | (5.3 %) |
Q4 2010 | 125.37 | (1.2 %) | 94.67 | 6.2 % | 74.25 | (2.8 %) |
Q1 2011 | 126.01 | 4.5 % | 96.87 | 7.6 % | 76.24 | 0.7 % |
Q2 2011 | 129.54 | 7.7 % | 99.15 | 5.3 % | 79.82 | 6.8 % |
Q3 2011 | 131.93 | 11.5 % | 100.75 | 11.1 % | 82.35 | 10.3 % |
Q4 2011 | 138.66 | 10.6 % | 105.58 | 11.5 % | 84.81 | 14.2 % |
Q1 2012 | 144.05 | 14.3 % | 111.62 | 15.2 % | 91.19 | 19.6 % |
Q2 2012 | 151.90 | 17.3 % | 117.58 | 18.6 % | 94.74 | 18.7 % |
Q3 2012 | 156.24 | 18.4 % | 119.70 | 18.8 % | 97.80 | 18.8 % |
Q4 2012 | 156.65 | 13.0 % | 120.43 | 14.1 % | 96.10 | 13.3 % |
Q1 2013 | 158.79 | 10.2 % | 122.07 | 9.4 % | 101.18 | 11.0 % |
Q2 2013 | 161.94 | 6.6 % | 125.89 | 7.1 % | 106.00 | 11.9 % |
Q3 2013 | 166.28 | 6.4 % | 129.92 | 8.5 % | 107.83 | 10.3 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
3m 2004 | 49.81 | 5.7 % | 37.17 | 8.7 % | 27.21 | 21.2 % |
6m 2004 | 49.98 | 6.4 % | 39.28 | 7.6 % | 27.97 | 20.2 % |
9m 2004 | 52.30 | 8.6 % | 39.37 | 8.3 % | 29.45 | 22.0 % |
12m 2004 | 57.93 | 25.8 % | 44.67 | 23.8 % | 31.63 | 21.1 % |
3m 2005 | 57.67 | 15.8 % | 42.29 | 13.8 % | 32.26 | 18.6 % |
6m 2005 | 60.50 | 21.0 % | 44.46 | 13.2 % | 35.42 | 26.6 % |
9m 2005 | 67.35 | 28.8 % | 45.60 | 15.8 % | 39.65 | 34.6 % |
12m 2005 | 65.93 | 13.8 % | 48.53 | 8.7 % | 40.85 | 29.2 % |
3m 2006 | 73.67 | 27.7 % | 54.52 | 28.9 % | 39.50 | 22.4 % |
6m 2006 | 72.78 | 20.3 % | 55.11 | 24.0 % | 39.12 | 10.4 % |
9m 2006 | 77.29 | 14.8 % | 59.65 | 30.8 % | 41.19 | 3.9 % |
12m 2006 | 77.19 | 17.1 % | 59.26 | 22.1 % | 42.45 | 3.9 % |
3m 2007 | 79.53 | 8.0 % | 59.83 | 9.7 % | 42.75 | 8.2 % |
6m 2007 | 85.11 | 16.9 % | 65.23 | 18.4 % | 48.62 | 24.3 % |
9m 2007 | 89.58 | 15.9 % | 70.29 | 17.8 % | 54.19 | 31.6 % |
12m 2007 | 98.21 | 27.2 % | 71.85 | 21.2 % | 62.00 | 46.1 % |
3m 2008 | 106.41 | 33.8 % | 78.41 | 31.0 % | 66.62 | 55.8 % |
6m 2008 | 126.15 | 48.2 % | 89.09 | 36.6 % | 77.54 | 59.5 % |
9m 2008 | 132.62 | 48.1 % | 95.73 | 36.2 % | 83.58 | 54.2 % |
12m 2008 | 131.66 | 34.1 % | 92.68 | 29.0 % | 80.24 | 29.4 % |
3m 2009 | 132.57 | 24.6 % | 96.63 | 23.2 % | 79.31 | 19.0 % |
6m 2009 | 121.96 | (3.3 %) | 91.54 | 2.7 % | 78.72 | 1.5 % |
9m 2009 | 123.91 | (6.6 %) | 89.25 | (6.8 %) | 78.83 | (5.7 %) |
12m 2009 | 126.84 | (3.7 %) | 89.19 | (3.8 %) | 76.38 | (4.8 %) |
3m 2010 | 120.53 | (9.1 %) | 90.02 | (6.8 %) | 75.70 | (4.6 %) |
6m 2010 | 120.31 | (1.4 %) | 94.16 | 2.9 % | 74.75 | (5.0 %) |
9m 2010 | 118.35 | (4.5 %) | 90.67 | 1.6 % | 74.69 | (5.3 %) |
12m 2010 | 125.37 | (1.2 %) | 94.67 | 6.2 % | 74.25 | (2.8 %) |
3m 2011 | 126.01 | 4.5 % | 96.87 | 7.6 % | 76.24 | 0.7 % |
6m 2011 | 129.54 | 7.7 % | 99.15 | 5.3 % | 79.82 | 6.8 % |
9m 2011 | 131.93 | 11.5 % | 100.75 | 11.1 % | 82.35 | 10.3 % |
12m 2011 | 138.66 | 10.6 % | 105.58 | 11.5 % | 84.81 | 14.2 % |
3m 2012 | 144.05 | 14.3 % | 111.62 | 15.2 % | 91.19 | 19.6 % |
6m 2012 | 151.90 | 17.3 % | 117.58 | 18.6 % | 94.74 | 18.7 % |
9m 2012 | 156.24 | 18.4 % | 119.70 | 18.8 % | 97.80 | 18.8 % |
12m 2012 | 156.65 | 13.0 % | 120.43 | 14.1 % | 96.10 | 13.3 % |
3m 2013 | 158.79 | 10.2 % | 122.07 | 9.4 % | 101.18 | 11.0 % |
6m 2013 | 161.94 | 6.6 % | 125.89 | 7.1 % | 106.00 | 11.9 % |
9m 2013 | 166.28 | 6.4 % | 129.92 | 8.5 % | 107.83 | 10.3 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
2003 | 46.06 | - | 36.09 | - | 26.12 | - |
2004 | 57.93 | 25.8 % | 44.67 | 23.8 % | 31.63 | 21.1 % |
2005 | 65.93 | 13.8 % | 48.53 | 8.7 % | 40.85 | 29.2 % |
2006 | 77.19 | 17.1 % | 59.26 | 22.1 % | 42.45 | 3.9 % |
2007 | 98.21 | 27.2 % | 71.85 | 21.2 % | 62.00 | 46.1 % |
2008 | 131.66 | 34.1 % | 92.68 | 29.0 % | 80.24 | 29.4 % |
2009 | 126.84 | (3.7 %) | 89.19 | (3.8 %) | 76.38 | (4.8 %) |
2010 | 125.37 | (1.2 %) | 94.67 | 6.2 % | 74.25 | (2.8 %) |
2011 | 138.66 | 10.6 % | 105.58 | 11.5 % | 84.81 | 14.2 % |
2012 | 156.65 | 13.0 % | 120.43 | 14.1 % | 96.10 | 13.3 % |
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
Q1 2004 | 74.63 % | 54.62 % | 73.19 % |
Q2 2004 | 78.58 % | 55.96 % | 71.21 % |
Q3 2004 | 75.28 % | 56.31 % | 74.81 % |
Q4 2004 | 77.11 % | 54.60 % | 70.81 % |
Q1 2005 | 73.32 % | 55.94 % | 76.30 % |
Q2 2005 | 73.49 % | 58.55 % | 79.68 % |
Q3 2005 | 67.70 % | 58.86 % | 86.94 % |
Q4 2005 | 73.62 % | 61.96 % | 84.16 % |
Q1 2006 | 74.01 % | 53.63 % | 72.46 % |
Q2 2006 | 75.72 % | 53.75 % | 70.98 % |
Q3 2006 | 77.18 % | 53.29 % | 69.04 % |
Q4 2006 | 76.77 % | 54.99 % | 71.64 % |
Q1 2007 | 75.23 % | 53.75 % | 71.44 % |
Q2 2007 | 76.64 % | 57.13 % | 74.54 % |
Q3 2007 | 78.47 % | 60.49 % | 77.09 % |
Q4 2007 | 73.16 % | 63.13 % | 86.29 % |
Q1 2008 | 73.69 % | 62.61 % | 84.97 % |
Q2 2008 | 70.62 % | 61.47 % | 87.04 % |
Q3 2008 | 72.19 % | 63.02 % | 87.30 % |
Q4 2008 | 70.39 % | 60.94 % | 86.58 % |
Q1 2009 | 72.89 % | 59.83 % | 82.08 % |
Q2 2009 | 75.06 % | 64.55 % | 86.00 % |
Q3 2009 | 72.03 % | 63.62 % | 88.33 % |
Q4 2009 | 70.32 % | 60.22 % | 85.64 % |
Q1 2010 | 74.68 % | 62.80 % | 84.09 % |
Q2 2010 | 78.26 % | 62.13 % | 79.39 % |
Q3 2010 | 76.61 % | 63.11 % | 82.37 % |
Q4 2010 | 75.51 % | 59.22 % | 78.43 % |
Q1 2011 | 76.87 % | 60.50 % | 78.70 % |
Q2 2011 | 76.54 % | 61.62 % | 80.50 % |
Q3 2011 | 76.37 % | 62.42 % | 81.74 % |
Q4 2011 | 76.14 % | 61.17 % | 80.33 % |
Q1 2012 | 77.49 % | 63.31 % | 81.70 % |
Q2 2012 | 77.40 % | 62.37 % | 80.57 % |
Q3 2012 | 76.61 % | 62.60 % | 81.71 % |
Q4 2012 | 76.88 % | 61.34 % | 79.79 % |
Q1 2013 | 76.88 % | 63.72 % | 82.89 % |
Q2 2013 | 77.74 % | 65.46 % | 84.20 % |
Q3 2013 | 78.13 % | 64.85 % | 83.00 % |
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
2003 | 78.35 % | 56.70 % | 72.37 % |
2004 | 77.11 % | 54.60 % | 70.81 % |
2005 | 73.62 % | 61.96 % | 84.16 % |
2006 | 76.77 % | 54.99 % | 71.64 % |
2007 | 73.16 % | 63.13 % | 86.29 % |
2008 | 70.39 % | 60.94 % | 86.58 % |
2009 | 70.32 % | 60.22 % | 85.64 % |
2010 | 75.51 % | 59.22 % | 78.43 % |
2011 | 76.14 % | 61.17 % | 80.33 % |
2012 | 76.88 % | 61.34 % | 79.79 % |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
Q1 2004 | 1,500.00 | 0.89 | 0.89 | - | 3.43 |
Q2 2004 | 1,500.00 | 1.01 | 1.01 | - | 3.37 |
Q3 2004 | 1,500.00 | 1.06 | 1.06 | - | 3.66 |
Q4 2004 | 1,500.00 | 1.10 | 1.10 | - | 3.59 |
Q1 2005 | 1,500.00 | 1.16 | 1.16 | - | 3.91 |
Q2 2005 | 1,500.00 | 1.34 | 1.34 | - | 4.09 |
Q3 2005 | 1,500.00 | 1.52 | 1.52 | - | 4.56 |
Q4 2005 | 1,500.00 | 1.67 | 1.67 | - | 5.00 |
Q1 2006 | 1,500.00 | 2.02 | 2.02 | - | 5.44 |
Q2 2006 | 1,500.00 | 2.08 | 2.08 | - | 5.92 |
Q3 2006 | 1,500.00 | 2.06 | 2.06 | - | 5.91 |
Q4 2006 | 1,500.00 | 2.03 | 2.03 | - | 6.27 |
Q1 2007 | 1,500.00 | 1.78 | 1.78 | - | 6.06 |
Q2 2007 | 1,500.00 | 1.65 | 1.65 | - | 6.44 |
Q3 2007 | 1,500.00 | 1.66 | 1.66 | - | 6.46 |
Q4 2007 | 1,500.00 | 1.74 | 1.74 | - | 6.95 |
Q1 2008 | 1,500.00 | 1.83 | 1.83 | - | 6.89 |
Q2 2008 | 1,500.00 | 1.94 | 1.94 | - | 7.28 |
Q3 2008 | 1,500.00 | 1.98 | 1.98 | - | 7.30 |
Q4 2008 | 1,500.00 | 1.95 | 1.95 | - | 7.76 |
Q1 2009 | 1,500.00 | 1.95 | 1.95 | - | 8.32 |
Q2 2009 | 1,500.00 | 1.87 | 1.87 | - | 8.73 |
Q3 2009 | 1,500.00 | 1.78 | 1.78 | - | 8.75 |
Q4 2009 | 1,500.00 | 1.35 | 1.35 | - | 8.70 |
Q1 2010 | 1,500.00 | 1.26 | 1.26 | - | 9.15 |
Q2 2010 | 1,500.00 | 1.11 | 1.11 | - | 9.48 |
Q3 2010 | 1,500.00 | 1.01 | 1.01 | - | 9.87 |
Q4 2010 | 1,500.00 | 1.26 | 1.26 | - | 10.11 |
Q1 2011 | 1,500.00 | 1.34 | 1.34 | - | 10.15 |
Q2 2011 | 1,500.00 | 1.61 | 1.61 | - | 10.65 |
Q3 2011 | 1,500.00 | 1.75 | 1.75 | - | 10.97 |
Q4 2011 | 1,500.00 | 1.93 | 1.93 | - | 11.44 |
Q1 2012 | 1,500.00 | 1.99 | 1.99 | - | 11.79 |
Q2 2012 | 1,500.00 | 2.04 | 2.04 | - | 12.31 |
Q3 2012 | 1,500.00 | 2.05 | 2.05 | - | 12.80 |
Q4 2012 | 1,500.00 | 2.16 | 2.16 | - | 13.38 |
Q1 2013 | 1,500.00 | 2.22 | 2.22 | - | 13.35 |
Q2 2013 | 1,500.00 | 2.28 | 2.28 | - | 13.99 |
Q3 2013 | 1,500.00 | 2.41 | 2.41 | - | 14.60 |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
2003 | 1,500.00 | 0.84 | 0.84 | - | 3.16 |
2004 | 1,500.00 | 1.10 | 1.10 | - | 3.59 |
2005 | 1,500.00 | 1.67 | 1.67 | - | 5.00 |
2006 | 1,500.00 | 2.03 | 2.03 | - | 6.27 |
2007 | 1,500.00 | 1.74 | 1.74 | - | 6.95 |
2008 | 1,500.00 | 1.95 | 1.95 | - | 7.76 |
2009 | 1,500.00 | 1.35 | 1.35 | - | 8.70 |
2010 | 1,500.00 | 1.26 | 1.26 | - | 10.11 |
2011 | 1,500.00 | 1.93 | 1.93 | - | 11.44 |
2012 | 1,500.00 | 2.16 | 2.16 | - | 13.38 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
Q1 2004 | 24.55 | 24.55 | 6.41 |
Q2 2004 | 23.70 | 23.70 | 7.14 |
Q3 2004 | 28.94 | 28.94 | 8.38 |
Q4 2004 | 33.56 | 33.56 | 10.26 |
Q1 2005 | 39.24 | 39.24 | 11.65 |
Q2 2005 | 44.57 | 44.57 | 14.63 |
Q3 2005 | 39.15 | 39.15 | 13.04 |
Q4 2005 | 45.19 | 45.19 | 15.10 |
Q1 2006 | 36.96 | 36.96 | 13.75 |
Q2 2006 | 30.85 | 30.85 | 10.81 |
Q3 2006 | 29.21 | 29.21 | 10.17 |
Q4 2006 | 19.94 | 19.94 | 6.45 |
Q1 2007 | 22.37 | 22.37 | 6.58 |
Q2 2007 | 19.44 | 19.44 | 5.00 |
Q3 2007 | 21.48 | 21.48 | 5.52 |
Q4 2007 | 28.25 | 28.25 | 7.06 |
Q1 2008 | 26.38 | 26.38 | 7.01 |
Q2 2008 | 25.86 | 25.86 | 6.88 |
Q3 2008 | 19.43 | 19.43 | 5.27 |
Q4 2008 | 15.23 | 15.23 | 3.82 |
Q1 2009 | 17.58 | 17.58 | 4.12 |
Q2 2009 | 16.79 | 16.79 | 3.59 |
Q3 2009 | 20.50 | 20.50 | 4.16 |
Q4 2009 | 21.99 | 21.99 | 3.43 |
Q1 2010 | 26.22 | 26.22 | 3.62 |
Q2 2010 | 26.00 | 26.00 | 3.04 |
Q3 2010 | 31.67 | 31.67 | 3.23 |
Q4 2010 | 22.04 | 22.04 | 2.74 |
Q1 2011 | 23.01 | 23.01 | 3.04 |
Q2 2011 | 17.88 | 17.88 | 2.71 |
Q3 2011 | 15.43 | 15.43 | 2.47 |
Q4 2011 | 14.51 | 14.51 | 2.44 |
Q1 2012 | 16.71 | 16.71 | 2.83 |
Q2 2012 | 14.62 | 14.62 | 2.42 |
Q3 2012 | 13.52 | 13.52 | 2.17 |
Q4 2012 | 12.64 | 12.64 | 2.04 |
Q1 2013 | 13.68 | 13.68 | 2.28 |
Q2 2013 | 14.84 | 14.84 | 2.42 |
Q3 2013 | 14.71 | 14.71 | 2.43 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
2003 | 22.04 | 22.04 | 5.84 |
2004 | 33.56 | 33.56 | 10.26 |
2005 | 45.19 | 45.19 | 15.10 |
2006 | 19.94 | 19.94 | 6.45 |
2007 | 28.25 | 28.25 | 7.06 |
2008 | 15.23 | 15.23 | 3.82 |
2009 | 21.99 | 21.99 | 3.43 |
2010 | 22.04 | 22.04 | 2.74 |
2011 | 14.51 | 14.51 | 2.44 |
2012 | 12.64 | 12.64 | 2.04 |
Q3 2013
2013
Period | Corporate and Institutional Banking | Retail | Global markets and Treasury | Securities | Others |
---|---|---|---|---|---|
Q1 2004 | 107.16 | 244.58 | 95.78 | - | 125.97 |
Q2 2004 | 112.80 | 252.34 | 109.12 | - | 224.47 |
Q3 2004 | 212.74 | 570.48 | 197.71 | - | - |
Q4 2004 | 174.19 | 368.36 | 119.87 | - | - |
Q1 2005 | 153.08 | 420.23 | 132.84 | - | - |
Q2 2005 | 286.59 | 672.43 | 75.85 | - | - |
Q3 2005 | 164.12 | 746.17 | 105.02 | - | - |
Q4 2005 | 285.33 | 710.01 | 68.72 | - | - |
Q1 2006 | 297.67 | 985.65 | 137.47 | - | - |
Q2 2006 | 377.92 | 781.46 | 47.52 | - | - |
Q3 2006 | 288.68 | 604.10 | 110.72 | - | - |
Q4 2006 | 426.79 | 423.07 | 135.66 | - | - |
Q1 2007 | 403.73 | 526.23 | 97.92 | - | - |
Q2 2007 | 468.62 | 461.87 | 96.50 | - | - |
Q3 2007 | 471.21 | 507.67 | 121.17 | - | - |
Q4 2007 | 361.44 | 376.93 | 150.20 | 330.47 | - |
Q1 2008 | 388.18 | 591.82 | 77.52 | 133.87 | - |
Q2 2008 | 532.90 | 473.54 | 205.10 | 118.81 | - |
Q3 2008 | 454.16 | 447.31 | 177.94 | 98.17 | - |
Q4 2008 | 514.04 | 419.85 | 204.33 | - | - |
Q1 2009 | 524.07 | 484.36 | 227.29 | - | 50.53 |
Q2 2009 | 618.77 | 503.04 | 189.35 | - | 71.74 |
Q3 2009 | 593.76 | 467.23 | 196.41 | - | 47.08 |
Q4 2009 | 484.74 | 441.71 | 208.05 | - | 52.15 |
Q1 2010 | 511.21 | 403.76 | 246.58 | - | 43.56 |
Q2 2010 | 699.00 | 384.04 | 229.58 | - | 47.16 |
Q3 2010 | 541.00 | 398.51 | 192.05 | - | 26.62 |
Q4 2010 | 514.65 | 358.22 | 200.68 | - | 42.80 |
Q1 2011 | 549.66 | 350.78 | 274.21 | - | 44.85 |
Q2 2011 | 666.38 | 327.14 | 297.10 | - | 57.17 |
Q3 2011 | 602.41 | 366.71 | 240.40 | - | - |
Q4 2011 | 551.92 | 352.28 | 217.57 | - | - |
Q1 2012 | 584.90 | 381.97 | 268.17 | - | - |
Q2 2012 | 671.08 | 414.83 | 291.82 | - | - |
Q3 2012 | 639.95 | 409.91 | 275.63 | - | - |
Q4 2012 | 572.92 | 398.00 | 257.30 | - | - |
Q1 2013 | 669.42 | 449.73 | 318.40 | - | - |
Q2 2013 | 721.59 | 513.72 | 266.36 | - | - |
Q3 2013 | 682.97 | 488.19 | 302.87 | - | - |
Period | Corporate and Institutional Banking | Retail | Global markets and Treasury | Securities | Others |
---|---|---|---|---|---|
2003 | 481.45 | 1,118.71 | 542.18 | - | - |
2004 | 606.90 | 1,435.76 | 522.48 | - | - |
2005 | 889.12 | 2,548.85 | 382.44 | - | - |
2006 | 1,391.06 | 2,794.27 | 431.36 | - | - |
2007 | 1,705.00 | 1,872.70 | 465.78 | 330.47 | - |
2008 | 1,889.28 | 1,932.52 | 664.90 | - | 424.84 |
2009 | 2,221.34 | 1,896.34 | 821.10 | - | 221.50 |
2010 | 2,265.86 | 1,544.54 | 868.89 | - | 160.13 |
2011 | 2,370.37 | 1,396.91 | 1,029.29 | - | 102.02 |
2012 | 2,468.85 | 1,604.71 | 1,092.92 | - | - |
Current | |
Market Cap (M Riyal) | 66,164.56 |
Shares Outstanding ((M)) | 2,054.80 |
EPS ( Riyal) (TTM) | 3.80 |
EPS Diluted ( Riyal) (TTM) | 3.68 |
Book Value (BV) ( Riyal) | 29.29 |
Par Value ( Riyal) | 10.00 |
Adjusted P/E (Last12) | 8.48 |
P/E (TTM) | 8.48 |
Price/book | 1.10 |
Return on Average Assets (%) (TTM) | 2.1 |
Return on Average Equity (%) (TTM) | 13.5 |
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