Saudi British Bank (SABB) swung to a net profit of SAR 2.778 billion in the first nine months of 2021 compared to a net loss SAR 4.837 billion in the year-earlier period.
The earnings were primarily driven by lower provision for expected credit losses and total operating expenses, along with a rise in the profit of associates.
Total operating expenses fell on lower salaries and employee-related costs, as well as general and administrative expenses. The bank also recorded a decline in depreciation and amortization expenses, thanks to its continued success in cost reduction efficiency.
Item | 9m 2020 | 9m 2021 | Change |
---|---|---|---|
Net Special Commission Income | 5,375.28 | 4,300.78 | (20.0 %) |
Operating Income | 6,828.35 | 5,872.85 | (14.0 %) |
Total Provisions | (1598.95) | (40.24) | 97.5 % |
Net Income | (4837.27) | 2,777.51 | 157.4 % |
Average Shares | 2,054.80 | 2,054.80 | - |
EPS (Riyals) | (2.35) | 1.35 | 157.4 % |
EPS Diluted (Riyals) | (2.35) | 1.35 | 157.4 % |
On the other hand, total operating income decreased on a 20% year-on-year (YoY) drop in net commission income.
SABB reported a net profit of SAR 885 million for Q3 2021, a drop of 16% from SAR 1.049 billion a year earlier.
Item | Q3 2020 | Q3 2021 | Change |
---|---|---|---|
Net Special Commission Income | 1,657.57 | 1,406.69 | (15.1 %) |
Operating Income | 2,141.36 | 1,935.43 | (9.6 %) |
Debt Provisions | (51.10) | (13.00) | 74.6 % |
Net Income | 1,049.99 | 885.30 | (15.7 %) |
Average Shares | 2,054.80 | 2,054.80 | - |
EPS (Riyals) | 0.51 | 0.43 | (15.7 %) |
EPS Diluted (Riyal) | 0.51 | 0.43 | (15.7 %) |
Item | Q2 2021 | Q3 2021 | Change |
---|---|---|---|
Net Special Commission Income | 1,467.28 | 1,406.69 | (4.1 %) |
Operating Income | 1,946.78 | 1,935.43 | (0.6 %) |
Debt Provisions | (25.58) | (13.00) | 49.2 % |
Net Income | 918.50 | 885.30 | (3.6 %) |
Average Shares | 2,054.80 | 2,054.80 | - |
EPS (Riyals) | 0.45 | 0.43 | (3.6 %) |
EPS Diluted (Riyal) | 0.45 | 0.43 | (4.4 %) |
On a sequential basis, the third-quarter net profit declined 8.3% from SAR 1.132 billion in the previous quarter.
Total shareholders’ equity, excluding minority interests, stood at SAR 52.499 billion as of Sept. 30, 2021, growing by 5.67% from SAR 49.680 billion a year earlier.
Item | 9m 2020 | 9m 2021 | Change |
---|---|---|---|
Assets | 263.96 | 269.55 | 2.1 % |
Customer Deposits | 180.20 | 180.25 | 0.0 % |
Loan | 151.89 | 163.50 | 7.6 % |
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
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 % |
Q4 2013 | 945.22 | 15.2 % | 1,400.43 | 14.0 % | 51.01 | 8955.9 % |
2013 | 3,719.30 | 13.9 % | 5,813.67 | 12.5 % | (374.18) | 14.8 % |
Q1 2014 | 960.58 | 8.5 % | 1,620.94 | 12.8 % | (117.59) | (12.4 %) |
Q2 2014 | 1,008.65 | 7.4 % | 1,663.75 | 10.8 % | (81.37) | 23.1 % |
Q3 2014 | 1,029.46 | 8.4 % | 1,654.60 | 12.3 % | (157.78) | 26.5 % |
Q4 2014 | 1,063.92 | 12.6 % | 1,562.92 | 11.6 % | (93.07) | (282.4 %) |
2014 | 4,062.61 | 9.2 % | 6,502.21 | 11.8 % | (449.81) | (20.2 %) |
Q1 2015 | 1,031.46 | 7.4 % | 1,717.18 | 5.9 % | (115.59) | 1.7 % |
Q2 2015 | 1,067.05 | 5.8 % | 1,674.98 | 0.7 % | (113.05) | (38.9 %) |
Q3 2015 | 1,079.01 | 4.8 % | 1,689.26 | 2.1 % | (88.00) | 44.2 % |
Q4 2015 | 1,076.35 | 1.2 % | 1,549.21 | (0.9 %) | (113.08) | (21.5 %) |
2015 | 4,253.88 | 4.7 % | 6,630.63 | 2.0 % | (429.72) | 4.5 % |
Q1 2016 | 1,116.67 | 8.3 % | 1,795.56 | 4.6 % | (144.97) | (25.4 %) |
Q2 2016 | 1,181.84 | 10.8 % | 1,761.11 | 5.1 % | (103.29) | 8.6 % |
Q3 2016 | 1,222.36 | 13.3 % | 1,687.30 | (0.1 %) | (189.53) | (115.4 %) |
Q4 2016 | 1,236.05 | 14.8 % | 1,664.64 | 7.5 % | (506.78) | (348.2 %) |
2016 | 4,756.92 | 11.8 % | 6,908.60 | 4.2 % | (944.56) | (119.8 %) |
Q1 2017 | 1,250.65 | 12.0 % | 1,824.07 | 1.6 % | (226.29) | (56.1 %) |
Q2 2017 | 1,284.32 | 8.7 % | 1,800.61 | 2.2 % | (164.90) | (59.7 %) |
Q3 2017 | 1,258.28 | 2.9 % | 1,763.89 | 4.5 % | (168.78) | 10.9 % |
Q4 2017 | 1,304.64 | 5.5 % | 1,738.34 | 4.4 % | (441.85) | 12.8 % |
2017 | 5,097.88 | 7.2 % | 7,126.91 | 3.2 % | (1,001.83) | (6.1 %) |
Q1 2018 | 1,322.55 | 5.7 % | 1,761.65 | (3.4 %) | (207.25) | 8.4 % |
Q2 2018 | 1,390.51 | 8.3 % | 1,868.53 | 3.8 % | 90.82 | 155.1 % |
Q3 2018 | 1,413.74 | 12.4 % | 1,861.35 | 5.5 % | (87.02) | 48.4 % |
Q4 2018 | 1,450.53 | 11.2 % | 1,831.32 | 5.3 % | (55.58) | 87.4 % |
2018 | 5,577.33 | 9.4 % | 7,322.84 | 2.7 % | (259.03) | 74.1 % |
Q1 2019 | 1,486.94 | 12.4 % | 1,970.01 | 11.8 % | (90.78) | 56.2 % |
Q2 2019 | 1,609.90 | 15.8 % | 2,010.61 | 7.6 % | (1,591.65) | (1852.6 %) |
Q3 2019 | 2,084.30 | 47.4 % | 2,669.65 | 43.4 % | (182.05) | (109.2 %) |
Q4 2019 | 1,998.49 | 37.8 % | 2,563.05 | 40.0 % | (636.70) | (1,045.6 %) |
2019 | 7,179.63 | 28.7 % | 9,213.32 | 25.8 % | (2,501.18) | (865.6 %) |
Q1 2020 | 1,902.58 | 28.0 % | 2,368.89 | 20.2 % | (239.07) | (163.4 %) |
Q2 2020 | 1,815.14 | 12.7 % | 2,318.10 | 15.3 % | (1,308.78) | 17.8 % |
Q3 2020 | 1,657.57 | (20.5 %) | 2,141.36 | (19.8 %) | (51.10) | 71.9 % |
Q4 2020 | 1,497.43 | (25.1 %) | 2,049.61 | (20.0 %) | (31.98) | 95.0 % |
2020 | 6,872.71 | (4.3 %) | 8,877.97 | (3.6 %) | (1,630.93) | 34.8 % |
Q1 2021 | 1,426.82 | (25.0 %) | 2,021.53 | (14.7 %) | (1.67) | 99.3 % |
Q2 2021 | 1,467.28 | (19.2 %) | 1,946.78 | (16.0 %) | (25.58) | 98.0 % |
Q3 2021 | 1,406.69 | (15.1 %) | 1,935.43 | (9.6 %) | (13.00) | 74.6 % |
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
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 % |
2013 | 3,719.30 | 13.9 % | 5,813.67 | 12.5 % | (374.18) | 14.8 % |
2014 | 4,062.61 | 9.2 % | 6,502.21 | 11.8 % | (449.81) | (20.2 %) |
2015 | 4,253.88 | 4.7 % | 6,630.63 | 2.0 % | (429.72) | 4.5 % |
2016 | 4,756.92 | 11.8 % | 6,908.60 | 4.2 % | (944.56) | (119.8 %) |
2017 | 5,097.88 | 7.2 % | 7,126.91 | 3.2 % | (1,001.83) | (6.1 %) |
2018 | 5,577.33 | 9.4 % | 7,322.84 | 2.7 % | (259.03) | 74.1 % |
2019 | 7,179.63 | 28.7 % | 9,213.32 | 25.8 % | (2,501.18) | (865.6 %) |
2020 | 6,872.71 | (4.3 %) | 8,877.97 | (3.6 %) | (1,630.93) | 34.8 % |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
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 |
Q4 2013 | 975.51 | 19.6 % | 0.65 | - | 975.51 | 0.65 |
2013 | 3,773.81 | 16.5 % | 2.52 | - | 3,773.81 | 2.52 |
Q1 2014 | 1,080.53 | 14.0 % | 0.72 | - | 1,080.53 | 0.72 |
Q2 2014 | 1,157.23 | 15.2 % | 0.77 | - | 1,157.23 | 0.77 |
Q3 2014 | 1,058.96 | 25.2 % | 0.71 | - | 1,058.96 | 0.71 |
Q4 2014 | 969.35 | (0.6 %) | 0.65 | - | 969.35 | 0.65 |
2014 | 4,266.06 | 13.0 % | 2.84 | - | 4,266.06 | 2.84 |
Q1 2015 | 1,115.19 | 3.2 % | 0.74 | - | 1,115.19 | 0.74 |
Q2 2015 | 1,137.26 | (1.7 %) | 0.76 | - | 1,137.26 | 0.76 |
Q3 2015 | 1,139.56 | 7.6 % | 0.76 | - | 1,139.56 | 0.76 |
Q4 2015 | 938.54 | (3.2 %) | 0.63 | - | 938.54 | 0.63 |
2015 | 4,330.55 | 1.5 % | 2.89 | - | 4,330.55 | 2.89 |
Q1 2016 | 1,141.68 | 2.4 % | 0.76 | - | 1,141.68 | 0.76 |
Q2 2016 | 1,151.65 | 1.3 % | 0.77 | - | 1,151.65 | 0.77 |
Q3 2016 | 994.82 | (12.7 %) | 0.66 | - | 994.82 | 0.66 |
Q4 2016 | 606.58 | (35.4 %) | 0.40 | - | 606.58 | 0.40 |
2016 | 3,894.73 | (10.1 %) | 2.60 | - | 3,894.73 | 2.60 |
Q1 2017 | 1,035.98 | (9.3 %) | 0.69 | - | 1,035.98 | 0.69 |
Q2 2017 | 1,129.16 | (2.0 %) | 0.75 | - | 1,129.16 | 0.75 |
Q3 2017 | 1,083.32 | 8.9 % | 0.72 | - | 1,083.32 | 0.72 |
Q4 2017 | 706.11 | 16.4 % | 0.47 | - | 706.11 | 0.47 |
2017 | 3,954.58 | 1.5 % | 2.64 | - | 3,954.58 | 2.64 |
Q1 2018 | 975.40 | (5.8 %) | 0.65 | - | 975.40 | 0.65 |
Q2 2018 | 832.59 | (26.3 %) | 0.56 | - | 832.59 | 0.56 |
Q3 2018 | 1,061.37 | (2.0 %) | 0.71 | - | 1,061.37 | 0.71 |
Q4 2018 | (153.92) | (121.8 %) | (0.10) | (1053.40) | 899.48 | 0.60 |
2018 | 2,715.44 | (31.3 %) | 1.81 | (1053.40) | 3,768.84 | 2.51 |
Q1 2019 | 1,108.55 | 13.7 % | 0.58 | (58.00) | 1,166.55 | 0.61 |
Q2 2019 | (188.13) | (122.6 %) | (0.10) | (75.00) | (113.13) | (0.06) |
Q3 2019 | 1,177.99 | 11.0 % | 0.61 | (137.00) | 1,314.99 | 0.69 |
Q4 2019 | 660.10 | 528.9 % | 0.34 | (147.00) | 807.10 | 0.42 |
2019 | 2,754.26 | 1.4 % | 1.44 | (417.00) | 3,171.26 | 1.66 |
Q1 2020 | 975.59 | (12.0 %) | 0.47 | (95.00) | 1,070.59 | 0.52 |
Q2 2020 | (6862.85) | (3,547.9 %) | (3.34) | (7509.78) | 646.93 | 0.31 |
Q3 2020 | 1,049.99 | (10.9 %) | 0.51 | (114.00) | 1,163.99 | 0.57 |
Q4 2020 | 681.88 | 3.3 % | 0.33 | (199.00) | 880.88 | 0.43 |
2020 | (4155.39) | (250.9 %) | (2.02) | (7917.78) | 3,762.38 | 1.83 |
Q1 2021 | 973.71 | (0.2 %) | 0.47 | - | 973.71 | 0.47 |
Q2 2021 | 918.50 | 113.4 % | 0.45 | - | 918.50 | 0.45 |
Q3 2021 | 885.30 | (15.7 %) | 0.43 | - | 885.30 | 0.43 |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
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 |
2013 | 3,773.81 | 16.5 % | 2.52 | - | 3,773.81 | 2.52 |
2014 | 4,266.06 | 13.0 % | 2.84 | - | 4,266.06 | 2.84 |
2015 | 4,330.55 | 1.5 % | 2.89 | - | 4,330.55 | 2.89 |
2016 | 3,894.73 | (10.1 %) | 2.60 | - | 3,894.73 | 2.60 |
2017 | 3,954.58 | 1.5 % | 2.64 | - | 3,954.58 | 2.64 |
2018 | 2,715.44 | (31.3 %) | 1.81 | (1053.40) | 3,768.84 | 2.51 |
2019 | 2,754.26 | 1.4 % | 1.44 | (417.00) | 3,171.26 | 1.66 |
2020 | (4155.39) | (250.9 %) | (2.02) | (7917.78) | 3,762.38 | 1.83 |
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
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 % |
Q4 2013 | 2.26 % | 17.59 % | 63.98 % |
2013 | 2.26 % | 17.59 % | 63.98 % |
Q1 2014 | 2.34 % | 18.15 % | 63.28 % |
Q2 2014 | 2.41 % | 17.99 % | 62.74 % |
Q3 2014 | 2.45 % | 18.06 % | 62.21 % |
Q4 2014 | 2.34 % | 17.45 % | 62.48 % |
2014 | 2.34 % | 17.45 % | 62.48 % |
Q1 2015 | 2.35 % | 17.51 % | 62.64 % |
Q2 2015 | 2.33 % | 16.66 % | 63.42 % |
Q3 2015 | 2.29 % | 16.52 % | 63.84 % |
Q4 2015 | 2.31 % | 15.97 % | 64.15 % |
2015 | 2.31 % | 15.97 % | 64.15 % |
Q1 2016 | 2.28 % | 15.92 % | 64.68 % |
Q2 2016 | 2.28 % | 15.32 % | 65.54 % |
Q3 2016 | 2.21 % | 14.69 % | 67.67 % |
Q4 2016 | 2.08 % | 13.10 % | 68.85 % |
2016 | 2.08 % | 13.10 % | 68.85 % |
Q1 2017 | 2.01 % | 12.51 % | 70.50 % |
Q2 2017 | 2.01 % | 12.04 % | 71.57 % |
Q3 2017 | 2.11 % | 12.26 % | 71.31 % |
Q4 2017 | 2.12 % | 12.24 % | 71.53 % |
2017 | 2.12 % | 12.24 % | 71.53 % |
Q1 2018 | 2.12 % | 12.22 % | 73.18 % |
Q2 2018 | 1.97 % | 10.95 % | 73.97 % |
Q3 2018 | 2.02 % | 10.90 % | 75.13 % |
Q4 2018 | 1.50 % | 8.25 % | 76.16 % |
2018 | 1.50 % | 8.25 % | 76.16 % |
Q1 2019 | 1.60 % | 8.66 % | 76.24 % |
Q2 2019 | 0.81 % | 4.14 % | 77.69 % |
Q3 2019 | 0.90 % | 4.43 % | 78.19 % |
Q4 2019 | 1.25 % | 6.24 % | 77.93 % |
2019 | 1.25 % | 6.23 % | 77.93 % |
Q1 2020 | 1.19 % | 5.86 % | 79.02 % |
Q2 2020 | (1.51 %) | (7.82 %) | 78.64 % |
Q3 2020 | (1.60 %) | (7.98 %) | 78.52 % |
Q4 2020 | (1.53 %) | (7.79 %) | 77.41 % |
2020 | (1.53 %) | (7.79 %) | 77.41 % |
Q1 2021 | (1.55 %) | (7.74 %) | 74.99 % |
Q2 2021 | 1.34 % | 7.18 % | 74.14 % |
Q3 2021 | 1.30 % | 6.77 % | 72.90 % |
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
2011 | 2.19 % | 17.86 % | 61.69 % |
2012 | 2.19 % | 17.41 % | 63.18 % |
2013 | 2.26 % | 17.59 % | 63.98 % |
2014 | 2.34 % | 17.45 % | 62.48 % |
2015 | 2.31 % | 15.97 % | 64.15 % |
2016 | 2.08 % | 13.10 % | 68.85 % |
2017 | 2.12 % | 12.24 % | 71.53 % |
2018 | 1.50 % | 8.25 % | 76.16 % |
2019 | 1.25 % | 6.23 % | 77.93 % |
2020 | (1.53 %) | (7.79 %) | 77.41 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
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 % |
Q4 2013 | 177.30 | 13.2 % | 138.96 | 15.4 % | 106.11 | 10.4 % |
Q1 2014 | 175.42 | 10.5 % | 136.98 | 12.2 % | 109.90 | 8.6 % |
Q2 2014 | 175.47 | 8.4 % | 138.30 | 9.9 % | 112.71 | 6.3 % |
Q3 2014 | 182.96 | 10.0 % | 143.69 | 10.6 % | 116.67 | 8.2 % |
Q4 2014 | 187.61 | 5.8 % | 145.87 | 5.0 % | 115.22 | 8.6 % |
Q1 2015 | 190.16 | 8.4 % | 149.00 | 8.8 % | 120.43 | 9.6 % |
Q2 2015 | 192.33 | 9.6 % | 151.10 | 9.3 % | 126.96 | 12.6 % |
Q3 2015 | 197.20 | 7.8 % | 155.85 | 8.5 % | 129.57 | 11.1 % |
Q4 2015 | 187.75 | 0.1 % | 148.89 | 2.1 % | 125.95 | 9.3 % |
Q1 2016 | 191.79 | 0.9 % | 151.88 | 1.9 % | 130.56 | 8.4 % |
Q2 2016 | 191.87 | (0.2 %) | 150.27 | (0.6 %) | 131.10 | 3.3 % |
Q3 2016 | 185.90 | (5.7 %) | 144.08 | (7.5 %) | 125.87 | (2.9 %) |
Q4 2016 | 186.06 | (0.9 %) | 140.64 | (5.5 %) | 120.96 | (4.0 %) |
Q1 2017 | 185.26 | (3.4 %) | 141.57 | (6.8 %) | 119.49 | (8.5 %) |
Q2 2017 | 182.52 | (4.9 %) | 138.31 | (8.0 %) | 117.88 | (10.1 %) |
Q3 2017 | 179.48 | (3.5 %) | 134.57 | (6.6 %) | 116.69 | (7.3 %) |
Q4 2017 | 187.62 | 0.8 % | 140.24 | (0.3 %) | 117.01 | (3.3 %) |
Q1 2018 | 182.62 | (1.4 %) | 135.39 | (4.4 %) | 116.49 | (2.5 %) |
Q2 2018 | 183.13 | 0.3 % | 132.93 | (3.9 %) | 113.36 | (3.8 %) |
Q3 2018 | 175.05 | (2.5 %) | 129.33 | (3.9 %) | 112.13 | (3.9 %) |
Q4 2018 | 174.68 | (6.9 %) | 130.51 | (6.9 %) | 110.33 | (5.7 %) |
Q1 2019 | 173.78 | (4.8 %) | 127.24 | (6.0 %) | 110.36 | (5.3 %) |
Q2 2019 | 270.82 | 47.9 % | 196.16 | 47.6 % | 154.96 | 36.7 % |
Q3 2019 | 258.49 | 47.7 % | 183.41 | 41.8 % | 149.34 | 33.2 % |
Q4 2019 | 265.99 | 52.3 % | 192.17 | 47.2 % | 152.08 | 37.8 % |
Q1 2020 | 265.69 | 52.9 % | 188.28 | 48.0 % | 155.18 | 40.6 % |
Q2 2020 | 266.99 | (1.4 %) | 188.36 | (4.0 %) | 152.95 | (1.3 %) |
Q3 2020 | 263.96 | 2.1 % | 180.20 | (1.8 %) | 151.89 | 1.7 % |
Q4 2020 | 276.45 | 3.9 % | 189.11 | (1.6 %) | 153.24 | 0.8 % |
Q1 2021 | 271.56 | 2.2 % | 183.69 | (2.4 %) | 156.71 | 1.0 % |
Q2 2021 | 272.94 | 2.2 % | 186.83 | (0.8 %) | 161.44 | 5.6 % |
Q3 2021 | 269.55 | 2.1 % | 180.25 | 0.0 % | 163.50 | 7.6 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
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 % |
12m 2013 | 177.30 | 13.2 % | 138.96 | 15.4 % | 106.11 | 10.4 % |
3m 2014 | 175.42 | 10.5 % | 136.98 | 12.2 % | 109.90 | 8.6 % |
6m 2014 | 175.47 | 8.4 % | 138.30 | 9.9 % | 112.71 | 6.3 % |
9m 2014 | 182.96 | 10.0 % | 143.69 | 10.6 % | 116.67 | 8.2 % |
12m 2014 | 187.61 | 5.8 % | 145.87 | 5.0 % | 115.22 | 8.6 % |
3m 2015 | 190.16 | 8.4 % | 149.00 | 8.8 % | 120.43 | 9.6 % |
6m 2015 | 192.33 | 9.6 % | 151.10 | 9.3 % | 126.96 | 12.6 % |
9m 2015 | 197.20 | 7.8 % | 155.85 | 8.5 % | 129.57 | 11.1 % |
12m 2015 | 187.75 | 0.1 % | 148.89 | 2.1 % | 125.95 | 9.3 % |
3m 2016 | 191.79 | 0.9 % | 151.88 | 1.9 % | 130.56 | 8.4 % |
6m 2016 | 191.87 | (0.2 %) | 150.27 | (0.6 %) | 131.10 | 3.3 % |
9m 2016 | 185.90 | (5.7 %) | 144.08 | (7.5 %) | 125.87 | (2.9 %) |
12m 2016 | 186.06 | (0.9 %) | 140.64 | (5.5 %) | 120.96 | (4.0 %) |
3m 2017 | 185.26 | (3.4 %) | 141.57 | (6.8 %) | 119.49 | (8.5 %) |
6m 2017 | 182.52 | (4.9 %) | 138.31 | (8.0 %) | 117.88 | (10.1 %) |
9m 2017 | 179.48 | (3.5 %) | 134.57 | (6.6 %) | 116.69 | (7.3 %) |
12m 2017 | 187.62 | 0.8 % | 140.24 | (0.3 %) | 117.01 | (3.3 %) |
3m 2018 | 182.62 | (1.4 %) | 135.39 | (4.4 %) | 116.49 | (2.5 %) |
6m 2018 | 183.13 | 0.3 % | 132.93 | (3.9 %) | 113.36 | (3.8 %) |
9m 2018 | 175.05 | (2.5 %) | 129.33 | (3.9 %) | 112.13 | (3.9 %) |
12m 2018 | 174.68 | (6.9 %) | 130.51 | (6.9 %) | 110.33 | (5.7 %) |
3m 2019 | 173.78 | (4.8 %) | 127.24 | (6.0 %) | 110.36 | (5.3 %) |
6m 2019 | 270.82 | 47.9 % | 196.16 | 47.6 % | 154.96 | 36.7 % |
9m 2019 | 258.49 | 47.7 % | 183.41 | 41.8 % | 149.34 | 33.2 % |
12m 2019 | 265.99 | 52.3 % | 192.17 | 47.2 % | 152.08 | 37.8 % |
3m 2020 | 265.69 | 52.9 % | 188.28 | 48.0 % | 155.18 | 40.6 % |
6m 2020 | 266.99 | (1.4 %) | 188.36 | (4.0 %) | 152.95 | (1.3 %) |
9m 2020 | 263.96 | 2.1 % | 180.20 | (1.8 %) | 151.89 | 1.7 % |
12m 2020 | 276.45 | 3.9 % | 189.11 | (1.6 %) | 153.24 | 0.8 % |
3m 2021 | 271.56 | 2.2 % | 183.69 | (2.4 %) | 156.71 | 1.0 % |
6m 2021 | 272.94 | 2.2 % | 186.83 | (0.8 %) | 161.44 | 5.6 % |
9m 2021 | 269.55 | 2.1 % | 180.25 | 0.0 % | 163.50 | 7.6 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
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 % |
2013 | 177.30 | 13.2 % | 138.96 | 15.4 % | 106.11 | 10.4 % |
2014 | 187.61 | 5.8 % | 145.87 | 5.0 % | 115.22 | 8.6 % |
2015 | 187.75 | 0.1 % | 148.89 | 2.1 % | 125.95 | 9.3 % |
2016 | 186.06 | (0.9 %) | 140.64 | (5.5 %) | 120.96 | (4.0 %) |
2017 | 187.62 | 0.8 % | 140.24 | (0.3 %) | 117.01 | (3.3 %) |
2018 | 174.68 | (6.9 %) | 130.51 | (6.9 %) | 110.33 | (5.7 %) |
2019 | 265.99 | 52.3 % | 192.17 | 47.2 % | 152.08 | 37.8 % |
2020 | 276.45 | 3.9 % | 189.11 | (1.6 %) | 153.24 | 0.8 % |
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
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 % |
Q4 2013 | 78.38 % | 59.85 % | 76.36 % |
Q1 2014 | 78.09 % | 62.65 % | 80.23 % |
Q2 2014 | 78.82 % | 64.23 % | 81.50 % |
Q3 2014 | 78.54 % | 63.77 % | 81.20 % |
Q4 2014 | 77.75 % | 61.42 % | 78.99 % |
Q1 2015 | 78.36 % | 63.33 % | 80.83 % |
Q2 2015 | 78.57 % | 66.01 % | 84.02 % |
Q3 2015 | 79.03 % | 65.71 % | 83.14 % |
Q4 2015 | 79.30 % | 67.08 % | 84.59 % |
Q1 2016 | 79.19 % | 68.07 % | 85.97 % |
Q2 2016 | 78.32 % | 68.33 % | 87.24 % |
Q3 2016 | 77.50 % | 67.71 % | 87.36 % |
Q4 2016 | 75.59 % | 65.02 % | 86.01 % |
Q1 2017 | 76.42 % | 64.50 % | 84.40 % |
Q2 2017 | 75.78 % | 64.59 % | 85.23 % |
Q3 2017 | 74.97 % | 65.01 % | 86.71 % |
Q4 2017 | 74.75 % | 62.36 % | 83.43 % |
Q1 2018 | 74.14 % | 63.79 % | 86.04 % |
Q2 2018 | 72.59 % | 61.90 % | 85.28 % |
Q3 2018 | 73.88 % | 64.06 % | 86.70 % |
Q4 2018 | 74.71 % | 63.16 % | 84.54 % |
Q1 2019 | 73.22 % | 63.50 % | 86.73 % |
Q2 2019 | 72.43 % | 57.22 % | 79.00 % |
Q3 2019 | 70.96 % | 57.77 % | 81.42 % |
Q4 2019 | 72.25 % | 57.17 % | 79.14 % |
Q1 2020 | 70.86 % | 58.41 % | 82.42 % |
Q2 2020 | 70.55 % | 57.29 % | 81.20 % |
Q3 2020 | 68.27 % | 57.54 % | 84.29 % |
Q4 2020 | 68.41 % | 55.43 % | 81.03 % |
Q1 2021 | 67.64 % | 57.71 % | 85.31 % |
Q2 2021 | 68.45 % | 59.15 % | 86.41 % |
Q3 2021 | 66.87 % | 60.66 % | 90.71 % |
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
2011 | 76.14 % | 61.17 % | 80.33 % |
2012 | 76.88 % | 61.34 % | 79.79 % |
2013 | 78.38 % | 59.85 % | 76.36 % |
2014 | 77.75 % | 61.42 % | 78.99 % |
2015 | 79.30 % | 67.08 % | 84.59 % |
2016 | 75.59 % | 65.02 % | 86.01 % |
2017 | 74.75 % | 62.36 % | 83.43 % |
2018 | 74.71 % | 63.16 % | 84.54 % |
2019 | 72.25 % | 57.17 % | 79.14 % |
2020 | 68.41 % | 55.43 % | 81.03 % |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
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 |
Q4 2013 | 1,500.00 | 2.52 | 2.52 | - | 15.22 |
Q1 2014 | 1,500.00 | 2.60 | 2.60 | - | 15.35 |
Q2 2014 | 1,500.00 | 2.71 | 2.71 | - | 16.10 |
Q3 2014 | 1,500.00 | 2.85 | 2.85 | - | 16.93 |
Q4 2014 | 1,500.00 | 2.84 | 2.84 | - | 17.38 |
Q1 2015 | 1,500.00 | 2.87 | 2.87 | - | 17.40 |
Q2 2015 | 1,500.00 | 2.85 | 2.85 | - | 18.17 |
Q3 2015 | 1,500.00 | 2.91 | 2.91 | - | 18.27 |
Q4 2015 | 1,500.00 | 2.89 | 2.89 | - | 18.78 |
Q1 2016 | 1,500.00 | 2.90 | 2.90 | - | 19.09 |
Q2 2016 | 1,500.00 | 2.91 | 2.91 | - | 19.87 |
Q3 2016 | 1,500.00 | 2.82 | 2.82 | - | 20.10 |
Q4 2016 | 1,500.00 | 2.60 | 2.60 | - | 20.85 |
Q1 2017 | 1,500.00 | 2.53 | 2.53 | - | 21.30 |
Q2 2017 | 1,500.00 | 2.51 | 2.51 | - | 21.83 |
Q3 2017 | 1,500.00 | 2.57 | 2.57 | - | 21.83 |
Q4 2017 | 1,500.00 | 2.64 | 2.64 | - | 22.23 |
Q1 2018 | 1,500.00 | 2.60 | 2.60 | - | 21.18 |
Q2 2018 | 1,500.00 | 2.40 | 2.40 | - | 21.98 |
Q3 2018 | 1,500.00 | 2.38 | 2.38 | - | 21.89 |
Q4 2018 | 1,500.00 | 1.81 | 2.51 | - | 21.64 |
Q1 2019 | 1,916.10 | 1.49 | 2.07 | - | 22.67 |
Q2 2019 | 1,916.10 | 0.95 | 1.57 | - | 26.91 |
Q3 2019 | 1,916.10 | 1.01 | 1.71 | - | 26.77 |
Q4 2019 | 1,916.10 | 1.44 | 1.66 | - | 27.25 |
Q1 2020 | 2,054.80 | 1.28 | 1.50 | - | 27.04 |
Q2 2020 | 2,054.80 | (1.97) | 1.87 | - | 23.46 |
Q3 2020 | 2,054.80 | (2.03) | 1.80 | - | 24.18 |
Q4 2020 | 2,054.80 | (2.02) | 1.83 | (2.03) | 24.65 |
Q1 2021 | 2,054.80 | (2.02) | 1.78 | (2.03) | 25.27 |
Q2 2021 | 2,054.80 | 1.76 | 1.92 | 1.76 | 25.69 |
Q3 2021 | 2,054.80 | 1.68 | 1.78 | 1.68 | 25.55 |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
2011 | 1,500.00 | 1.93 | 1.93 | - | 11.44 |
2012 | 1,500.00 | 2.16 | 2.16 | - | 13.38 |
2013 | 1,500.00 | 2.52 | 2.52 | - | 15.22 |
2014 | 1,500.00 | 2.84 | 2.84 | - | 17.38 |
2015 | 1,500.00 | 2.89 | 2.89 | - | 18.78 |
2016 | 1,500.00 | 2.60 | 2.60 | - | 20.85 |
2017 | 1,500.00 | 2.64 | 2.64 | - | 22.23 |
2018 | 1,500.00 | 1.81 | 2.51 | - | 21.64 |
2019 | 1,916.10 | 1.44 | 1.66 | - | 27.25 |
2020 | 2,054.80 | (2.02) | 1.83 | (2.02) | 24.65 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
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 |
Q4 2013 | 15.97 | 15.97 | 2.64 |
Q1 2014 | 16.48 | 16.48 | 2.80 |
Q2 2014 | 16.40 | 16.40 | 2.76 |
Q3 2014 | 19.64 | 19.64 | 3.30 |
Q4 2014 | 18.74 | 18.74 | 3.07 |
Q1 2015 | 15.36 | 15.36 | 2.53 |
Q2 2015 | 15.94 | 15.94 | 2.50 |
Q3 2015 | 13.15 | 13.15 | 2.09 |
Q4 2015 | 11.74 | 11.74 | 1.81 |
Q1 2016 | 10.71 | 10.71 | 1.63 |
Q2 2016 | 9.55 | 9.55 | 1.40 |
Q3 2016 | 9.03 | 9.03 | 1.27 |
Q4 2016 | 13.19 | 13.19 | 1.64 |
Q1 2017 | 12.26 | 12.26 | 1.45 |
Q2 2017 | 14.63 | 14.63 | 1.68 |
Q3 2017 | 14.44 | 14.44 | 1.70 |
Q4 2017 | 14.03 | 14.03 | 1.66 |
Q1 2018 | 16.53 | 16.53 | 2.03 |
Q2 2018 | 18.02 | 18.02 | 1.97 |
Q3 2018 | 18.39 | 18.39 | 2.00 |
Q4 2018 | 24.71 | 17.80 | 2.07 |
Q1 2019 | 27.27 | 19.61 | 2.28 |
Q2 2019 | 45.75 | 27.74 | 1.51 |
Q3 2019 | 32.18 | 19.15 | 1.14 |
Q4 2019 | 25.85 | 22.45 | 1.27 |
Q1 2020 | 15.82 | 13.49 | 0.75 |
Q2 2020 | NEG | 12.19 | 0.97 |
Q3 2020 | NEG | 14.09 | 1.05 |
Q4 2020 | NEG | 13.45 | 1.00 |
Q1 2021 | NEG | 14.72 | 1.04 |
Q2 2021 | 17.90 | 16.47 | 1.23 |
Q3 2021 | 19.73 | 18.66 | 1.30 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
2011 | 14.51 | 14.51 | 2.44 |
2012 | 12.64 | 12.64 | 2.04 |
2013 | 15.97 | 15.97 | 2.64 |
2014 | 18.74 | 18.74 | 3.07 |
2015 | 11.74 | 11.74 | 1.81 |
2016 | 13.19 | 13.19 | 1.64 |
2017 | 14.03 | 14.03 | 1.66 |
2018 | 24.71 | 17.80 | 2.07 |
2019 | 25.89 | 22.48 | 1.27 |
2020 | NEG | 13.52 | 1.00 |
Q3 2021
2021
Period | Corporate and Institutional Banking | Retail | Global markets and Treasury | Capital Markets | Securities | Others |
---|---|---|---|---|---|---|
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 | - | - | - |
Q4 2013 | 637.47 | 478.87 | 285.81 | - | - | - |
Q1 2014 | 765.86 | 523.73 | 331.36 | - | - | - |
Q2 2014 | 775.98 | 566.57 | 321.20 | - | - | - |
Q3 2014 | 737.30 | 591.36 | 325.94 | - | - | - |
Q4 2014 | 713.87 | 566.28 | 282.77 | - | - | - |
Q1 2015 | 764.09 | 556.61 | 396.48 | - | - | - |
Q2 2015 | 719.96 | 610.16 | 344.86 | - | - | - |
Q3 2015 | 793.40 | 573.68 | 322.18 | - | - | - |
Q4 2015 | 692.91 | 571.24 | 285.06 | - | - | - |
Q1 2016 | 809.69 | 567.45 | 418.42 | - | - | - |
Q2 2016 | 816.05 | 596.58 | 348.48 | - | - | - |
Q3 2016 | 744.91 | 605.70 | 298.85 | - | - | 37.84 |
Q4 2016 | 769.26 | 588.11 | 307.27 | - | - | - |
Q1 2017 | 820.93 | 629.32 | 373.81 | - | - | - |
Q2 2017 | 813.48 | 648.25 | 317.88 | - | - | - |
Q3 2017 | 782.34 | 651.12 | 298.94 | - | - | 31.50 |
Q4 2017 | 802.81 | 638.75 | 296.78 | - | - | - |
Q1 2018 | 837.17 | 636.19 | 297.53 | - | - | (9.24) |
Q2 2018 | 858.65 | 676.74 | 297.90 | - | - | 35.24 |
Q3 2018 | 859.33 | 660.93 | 305.03 | - | - | 36.06 |
Q4 2018 | 884.78 | 649.51 | 299.50 | - | - | (2.47) |
Q1 2019 | 974.49 | 665.28 | 287.07 | - | - | 43.18 |
Q2 2019 | 1,001.14 | 702.09 | 294.50 | - | - | 12.88 |
Q3 2019 | 1,256.87 | 1,083.30 | 262.72 | - | - | 66.75 |
Q4 2019 | 1,213.52 | 1,018.68 | 310.69 | - | - | 20.17 |
Q1 2020 | 1,161.94 | 827.87 | 352.35 | - | - | 26.74 |
Q2 2020 | 1,034.10 | 794.71 | 503.14 | - | - | (13.86) |
Q3 2020 | 967.46 | 726.29 | 447.62 | - | - | - |
Q4 2020 | 869.28 | 813.77 | 370.56 | - | - | (4.00) |
Q1 2021 | 864.31 | 692.77 | 458.25 | - | - | 6.20 |
Q2 2021 | 872.68 | 613.31 | 413.06 | - | - | 23.59 |
Q3 2021 | 828.72 | 635.72 | 462.48 | 19.15 | - | (17.38) |
Period | Corporate and Institutional Banking | Retail | Global markets and Treasury | Capital Markets | Securities | Others |
---|---|---|---|---|---|---|
2011 | 2,370.37 | 1,396.91 | 1,029.29 | - | - | 102.02 |
2012 | 2,468.85 | 1,604.71 | 1,092.92 | - | - | - |
2013 | 2,711.44 | 1,930.51 | 1,173.44 | - | - | - |
2014 | 2,993.01 | 2,247.93 | 1,261.27 | - | - | - |
2015 | 2,970.36 | 2,311.69 | 1,348.58 | - | - | - |
2016 | 3,139.91 | 2,357.83 | 1,373.02 | - | - | 37.84 |
2017 | 3,219.56 | 2,567.44 | 1,287.42 | - | - | 52.50 |
2018 | 3,439.92 | 2,623.37 | 1,199.96 | - | - | 59.59 |
2019 | 4,446.02 | 3,469.35 | 1,154.99 | - | - | 142.97 |
2020 | 4,032.78 | 3,162.64 | 1,673.66 | - | - | 8.88 |
Item | Q3 2021 (e) | Q3 2021 (a) | Change |
---|---|---|---|
Average | 932.15 | 885.30 | (5.0 %) |
Item | Q3 2021 (e) | Q3 2021 (a) | Change |
---|---|---|---|
Hermes | 847.00 | 885.30 | 4.5 % |
OSOOL AND BAKHEET | 960.60 | 885.30 | (7.8) % |
CI Capital | 815.00 | 885.30 | 8.6 % |
Riyad Capital | 1,106.00 | 885.30 | (20.0) % |
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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