BSF posts 14% rise in Q1 2021 profit to SAR 780 mln

BSF posts 14% rise in Q1 2021 profit to SAR 780 mln

05/05/2021 Argaam Exclusive

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Banque Saudi Fransi (BSF) reported a net profit of SAR 780 million for the first quarter of 2020, a 14% rise from SAR 682 million a year earlier.

 

The profit rise was primarily attributed to a 6.93% year-on-year (YoY) decrease in operating expenses, and 2.22% YoY growth in total operating income, driven by higher trading income, as well as net fee and commission income.  



Current Quarter Comparison (M)

Compared With The
Item Q1 2020 Q1 2021 Change‬
Net Special Commission Income 1,287.24 1,287.32 0.0 %
Operating Income 1,756.94 1,795.51 2.2 %
Debt Provisions (397.57) (290.08) 27.0 %
Net Income 682.08 779.68 14.3 %
Average Shares 1,205.36 1,205.36 -
EPS (Riyals) 0.57 0.65 14.3 %
EPS Diluted (Riyal) 0.57 0.62 8.8 %

When compared to Q4 2020, BSF’s net profit surged eight times from SAR 94 million.

 

Total shareholders’ equity, excluding minority interest, rose by 15.5% YoY to SAR 39.198 billion in Q1 2021.

Balance Sheet (B)

Item 3m 2020 3m 2021 Change‬
Assets 199.18 202.23 1.5 %
Customer Deposits 146.77 132.99 (9.4 %)
Loan 134.88 134.10 (0.6 %)


Financial results (Million)

Period Net Special Commission Income Change Operating Income Change Debt Provisions Change
Q1 2012 801.81 5.9 % 1,220.21 6.1 % (61.27) (175.7 %)
Q2 2012 843.93 7.0 % 1,282.80 10.3 % (141.65) (503.9 %)
Q3 2012 825.99 2.2 % 1,220.25 4.8 % (174.37) (208.7 %)
Q4 2012 834.04 6.6 % 1,286.30 16.1 % (77.89) (39.7 %)
Q1 2013 799.24 (0.3 %) 1,205.05 (1.2 %) (127.84) (108.7 %)
Q2 2013 830.50 (1.6 %) 1,282.64 0.0 % (107.59) 24.0 %
Q3 2013 869.60 5.3 % 1,284.06 5.2 % (169.01) 3.1 %
Q4 2013 863.96 3.6 % 1,280.78 (0.4 %) (552.98) (609.9 %)
Q1 2014 896.55 12.2 % 1,401.17 16.3 % (108.57) 15.1 %
Q2 2014 969.86 16.8 % 1,478.33 15.3 % (105.37) 2.1 %
Q3 2014 980.13 12.7 % 1,486.66 15.8 % (72.55) 57.1 %
Q4 2014 970.45 12.3 % 1,419.88 10.9 % (34.44) 93.8 %
Q1 2015 962.89 7.4 % 1,590.11 13.5 % (37.20) 65.7 %
Q2 2015 1,016.15 4.8 % 1,578.73 6.8 % (42.97) 59.2 %
Q3 2015 1,044.11 6.5 % 1,588.27 6.8 % (50.23) 30.8 %
Q4 2015 1,032.13 6.4 % 1,534.38 8.1 % (50.51) (46.7 %)
Q1 2016 1,062.82 10.4 % 1,644.92 3.4 % (41.74) (12.2 %)
Q2 2016 1,068.80 5.2 % 1,612.88 2.2 % (36.58) 14.9 %
Q3 2016 1,107.55 6.1 % 1,587.64 0.0 % (54.53) (8.6 %)
Q4 2016 1,017.03 (1.5 %) 1,554.28 1.3 % (635.53) (1,158.2 %)
Q1 2017 1,111.53 4.6 % 1,696.56 3.1 % (29.04) 30.4 %
Q2 2017 1,167.37 9.2 % 1,630.39 1.1 % (58.57) (60.1 %)
Q3 2017 1,207.13 9.0 % 1,629.57 2.6 % (55.68) (2.1 %)
Q4 2017 1,213.64 19.3 % 1,619.68 4.2 % (517.82) 18.5 %
Q1 2018 1,256.00 13.0 % 1,647.17 (2.9 %) (89.74) (209.0 %)
Q2 2018 1,252.35 7.3 % 1,665.13 2.1 % (126.18) (115.4 %)
Q3 2018 1,261.35 4.5 % 1,696.39 4.1 % (127.84) (129.6 %)
Q4 2018 1,247.18 2.8 % 1,692.64 4.5 % (566.73) (9.4 %)
Q1 2019 1,272.94 1.3 % 1,722.68 4.6 % (144.17) (60.6 %)
Q2 2019 1,297.53 3.6 % 1,706.43 2.5 % (200.32) (58.8 %)
Q3 2019 1,343.91 6.5 % 1,737.71 2.4 % (226.22) (77.0 %)
Q4 2019 1,291.30 3.5 % 1,705.72 0.8 % (437.86) 22.7 %
Q1 2020 1,287.24 1.1 % 1,756.94 2.0 % (397.57) (175.8 %)
Q2 2020 1,296.83 (0.1 %) 1,760.03 3.1 % (634.32) (216.7 %)
Q3 2020 1,375.04 2.3 % 1,750.75 0.8 % (930.45) (311.3 %)
Q4 2020 1,281.29 (0.8 %) 1,776.88 4.2 % (853.99) (95.0 %)
Q1 2021 1,287.32 0.0 % 1,795.51 2.2 % (290.08) 27.0 %


Profit Performance (Million)

Period Net Income Change EPS(Riyal) Extraordinary Income/Expense Net Profit Before Unusual Items EPS Before XO Items
Q1 2012 788.90 10.1 % 0.65 - 788.90 0.65
Q2 2012 757.21 (2.1 %) 0.63 - 757.21 0.63
Q3 2012 661.53 (12.9 %) 0.55 - 661.53 0.55
Q4 2012 807.50 22.2 % 0.67 - 807.50 0.67
Q1 2013 683.86 (13.3 %) 0.57 - 683.86 0.57
Q2 2013 762.64 0.7 % 0.63 - 762.64 0.63
Q3 2013 685.44 3.6 % 0.57 - 685.44 0.57
Q4 2013 273.65 (66.1 %) 0.23 - 273.65 0.23
Q1 2014 855.78 25.1 % 0.71 - 855.78 0.71
Q2 2014 884.24 15.9 % 0.73 - 884.24 0.73
Q3 2014 925.61 35.0 % 0.77 - 925.61 0.77
Q4 2014 850.71 210.9 % 0.71 - 850.71 0.71
Q1 2015 1,050.38 22.7 % 0.87 - 1,050.38 0.87
Q2 2015 1,015.83 14.9 % 0.84 - 1,015.83 0.84
Q3 2015 1,020.25 10.2 % 0.85 - 1,020.25 0.85
Q4 2015 949.98 11.7 % 0.79 - 949.98 0.79
Q1 2016 1,077.80 2.6 % 0.89 - 1,077.80 0.89
Q2 2016 1,048.19 3.2 % 0.87 - 1,048.19 0.87
Q3 2016 1,010.24 (1.0 %) 0.84 - 1,010.24 0.84
Q4 2016 374.01 (60.6 %) 0.31 - 374.01 0.31
Q1 2017 1,103.89 2.4 % 0.92 - 1,103.89 0.92
Q2 2017 1,004.69 (4.1 %) 0.83 - 1,004.69 0.83
Q3 2017 1,000.54 (1.0 %) 0.83 - 1,000.54 0.83
Q4 2017 422.77 13.0 % 0.35 - 422.77 0.35
Q1 2018 1,049.95 (4.9 %) 0.87 97.31 952.64 0.79
Q2 2018 841.31 (16.3 %) 0.70 - 841.31 0.70
Q3 2018 943.44 (5.7 %) 0.78 - 943.44 0.78
Q4 2018 (1431.68) (438.6 %) (1.19) (1510.67) 78.99 0.07
Q1 2019 916.83 (12.7 %) 0.76 - 916.83 0.76
Q2 2019 803.63 (4.5 %) 0.67 - 803.63 0.67
Q3 2019 880.00 (6.7 %) 0.73 - 880.00 0.73
Q4 2019 514.51 135.9 % 0.43 - 514.51 0.43
Q1 2020 682.08 (25.6 %) 0.57 - 682.08 0.57
Q2 2020 436.80 (45.6 %) 0.36 - 436.80 0.36
Q3 2020 333.39 (62.1 %) 0.28 - 333.39 0.28
Q4 2020 93.95 (81.7 %) 0.08 - 93.95 0.08
Q1 2021 779.68 14.3 % 0.65 - 779.68 0.65

Profitability

Period Return On Average Assets Return on Average Equity Net Interest Income/Total Operating Income
Q1 2012 2.15 % 15.54 % 68.35 %
Q2 2012 2.11 % 14.90 % 67.79 %
Q3 2012 2.01 % 13.83 % 67.36 %
Q4 2012 2.02 % 14.24 % 65.99 %
Q1 2013 1.85 % 13.24 % 66.14 %
Q2 2013 1.86 % 13.15 % 65.87 %
Q3 2013 1.82 % 12.93 % 65.90 %
Q4 2013 1.47 % 10.48 % 66.57 %
Q1 2014 1.48 % 10.85 % 65.93 %
Q2 2014 1.54 % 11.20 % 66.12 %
Q3 2014 1.67 % 12.12 % 65.71 %
Q4 2014 1.96 % 14.15 % 65.97 %
Q1 2015 1.96 % 14.22 % 64.99 %
Q2 2015 2.08 % 14.45 % 64.68 %
Q3 2015 2.14 % 14.69 % 64.65 %
Q4 2015 2.17 % 14.96 % 64.46 %
Q1 2016 2.15 % 14.23 % 65.47 %
Q2 2016 2.16 % 14.48 % 65.95 %
Q3 2016 2.15 % 14.38 % 66.95 %
Q4 2016 1.81 % 12.28 % 66.51 %
Q1 2017 1.82 % 11.82 % 66.73 %
Q2 2017 1.75 % 11.59 % 68.07 %
Q3 2017 1.75 % 11.61 % 69.16 %
Q4 2017 1.78 % 11.51 % 71.46 %
Q1 2018 1.79 % 11.14 % 74.22 %
Q2 2018 1.68 % 10.39 % 75.12 %
Q3 2018 1.67 % 10.27 % 75.18 %
Q4 2018 0.73 % 4.49 % 74.86 %
Q1 2019 0.68 % 3.97 % 74.28 %
Q2 2019 0.66 % 3.81 % 74.49 %
Q3 2019 0.62 % 3.62 % 75.25 %
Q4 2019 1.69 % 9.76 % 75.75 %
Q1 2020 1.48 % 8.70 % 75.58 %
Q2 2020 1.29 % 7.58 % 74.99 %
Q3 2020 1.02 % 5.93 % 75.29 %
Q4 2020 0.83 % 4.64 % 74.39 %
Q1 2021 0.82 % 4.82 % 73.98 %

Balance Sheet (B)

Period Assets Change Customer Deposits Change Loan Change
Q1 2012 150.48 18.9 % 112.60 17.3 % 97.48 16.1 %
Q2 2012 147.09 10.0 % 108.94 9.3 % 100.52 18.0 %
Q3 2012 154.97 18.3 % 116.85 19.5 % 102.22 13.9 %
Q4 2012 157.78 12.3 % 115.57 5.1 % 102.79 11.3 %
Q1 2013 163.99 9.0 % 119.26 5.9 % 105.81 8.6 %
Q2 2013 165.78 12.7 % 124.58 14.3 % 110.24 9.7 %
Q3 2013 168.04 8.4 % 124.96 6.9 % 112.57 10.1 %
Q4 2013 170.06 7.8 % 131.60 13.9 % 111.31 8.3 %
Q1 2014 184.28 12.4 % 137.91 15.6 % 114.84 8.5 %
Q2 2014 184.31 11.2 % 134.41 7.9 % 117.39 6.5 %
Q3 2014 183.24 9.0 % 131.94 5.6 % 118.22 5.0 %
Q4 2014 188.78 11.0 % 145.28 10.4 % 116.54 4.7 %
Q1 2015 193.88 5.2 % 150.21 8.9 % 120.79 5.2 %
Q2 2015 185.95 0.9 % 142.63 6.1 % 125.04 6.5 %
Q3 2015 184.99 1.0 % 143.95 9.1 % 124.41 5.2 %
Q4 2015 183.72 (2.7 %) 141.85 (2.4 %) 123.77 6.2 %
Q1 2016 184.02 (5.1 %) 141.82 (5.6 %) 124.98 3.5 %
Q2 2016 193.91 4.3 % 138.81 (2.7 %) 129.64 3.7 %
Q3 2016 195.74 5.8 % 147.28 2.3 % 133.94 7.7 %
Q4 2016 203.43 10.7 % 158.46 11.7 % 129.46 4.6 %
Q1 2017 204.36 11.1 % 158.47 11.7 % 129.09 3.3 %
Q2 2017 205.34 5.9 % 163.90 18.1 % 129.38 (0.2 %)
Q3 2017 201.70 3.0 % 155.47 5.6 % 128.95 (3.7 %)
Q4 2017 192.93 (5.2 %) 150.95 (4.7 %) 121.94 (5.8 %)
Q1 2018 184.02 (10.0 %) 141.94 (10.4 %) 123.88 (4.0 %)
Q2 2018 188.96 (8.0 %) 146.70 (10.5 %) 122.81 (5.1 %)
Q3 2018 189.34 (6.1 %) 146.69 (5.6 %) 123.70 (4.1 %)
Q4 2018 190.25 (1.4 %) 148.37 (1.7 %) 120.63 (1.1 %)
Q1 2019 190.04 3.3 % 144.82 2.0 % 121.27 (2.1 %)
Q2 2019 186.58 (1.3 %) 142.23 (3.1 %) 124.23 1.2 %
Q3 2019 186.37 (1.6 %) 141.90 (3.3 %) 123.44 (0.2 %)
Q4 2019 178.15 (6.4 %) 132.84 (10.5 %) 125.73 4.2 %
Q1 2020 199.18 4.8 % 146.77 1.3 % 134.88 11.2 %
Q2 2020 201.95 8.2 % 138.05 (2.9 %) 135.75 9.3 %
Q3 2020 197.44 5.9 % 135.65 (4.4 %) 134.36 8.8 %
Q4 2020 194.07 8.9 % 127.11 (4.3 %) 130.56 3.8 %
Q1 2021 202.23 1.5 % 132.99 (9.4 %) 134.10 (0.6 %)

Ratios

Period Customer Deposits Per Total Assets Loans and advances/Total assets Loans and advances/Customers Deposits
Q1 2012 74.83 % 64.78 % 86.57 %
Q2 2012 74.07 % 68.34 % 92.27 %
Q3 2012 75.40 % 65.96 % 87.48 %
Q4 2012 73.25 % 65.15 % 88.94 %
Q1 2013 72.72 % 64.52 % 88.73 %
Q2 2013 75.14 % 66.49 % 88.49 %
Q3 2013 74.36 % 66.99 % 90.09 %
Q4 2013 77.39 % 65.45 % 84.58 %
Q1 2014 74.84 % 62.32 % 83.27 %
Q2 2014 72.92 % 63.69 % 87.34 %
Q3 2014 72.00 % 64.52 % 89.60 %
Q4 2014 76.96 % 61.73 % 80.22 %
Q1 2015 77.47 % 62.30 % 80.42 %
Q2 2015 76.70 % 67.24 % 87.67 %
Q3 2015 77.82 % 67.25 % 86.43 %
Q4 2015 77.21 % 67.37 % 87.25 %
Q1 2016 77.07 % 67.92 % 88.12 %
Q2 2016 71.58 % 66.85 % 93.39 %
Q3 2016 75.24 % 68.43 % 90.94 %
Q4 2016 77.89 % 63.64 % 81.70 %
Q1 2017 77.54 % 63.17 % 81.46 %
Q2 2017 79.82 % 63.01 % 78.94 %
Q3 2017 77.08 % 63.93 % 82.94 %
Q4 2017 78.24 % 63.20 % 80.78 %
Q1 2018 77.14 % 67.32 % 87.28 %
Q2 2018 77.64 % 64.99 % 83.71 %
Q3 2018 77.48 % 65.33 % 84.33 %
Q4 2018 77.99 % 63.41 % 81.31 %
Q1 2019 76.21 % 63.82 % 83.74 %
Q2 2019 76.23 % 66.58 % 87.35 %
Q3 2019 76.14 % 66.23 % 86.99 %
Q4 2019 74.57 % 70.57 % 94.65 %
Q1 2020 73.69 % 67.72 % 91.90 %
Q2 2020 68.36 % 67.22 % 98.34 %
Q3 2020 68.71 % 68.05 % 99.04 %
Q4 2020 65.50 % 67.28 % 102.72 %
Q1 2021 65.76 % 66.31 % 100.84 %


Per Share Data (Riyal)

Compared With The
Period Shares Outstanding (M) EPS (Riyal) Adjusted EPS (Riyal) EPS Diluted (Riyal) Book Value (BV)
Q1 2012 1,205.36 2.47 2.47 - 17.08
Q2 2012 1,205.36 2.46 2.46 - 17.71
Q3 2012 1,205.36 2.38 2.38 - 18.41
Q4 2012 1,205.36 2.50 2.50 - 18.82
Q1 2013 1,205.36 2.41 2.41 - 19.38
Q2 2013 1,205.36 2.42 2.42 - 19.08
Q3 2013 1,205.36 2.44 2.44 - 19.31
Q4 2013 1,205.36 2.00 2.00 - 19.26
Q1 2014 1,205.36 2.14 2.14 - 20.03
Q2 2014 1,205.36 2.24 2.24 - 20.92
Q3 2014 1,205.36 2.44 2.44 - 20.94
Q4 2014 1,205.36 2.92 2.92 2.92 21.96
Q1 2015 1,205.36 3.08 3.08 3.08 23.28
Q2 2015 1,205.36 3.19 3.19 3.19 23.19
Q3 2015 1,205.36 3.27 3.27 3.27 23.53
Q4 2015 1,205.36 3.35 3.35 3.35 22.80
Q1 2016 1,205.36 3.37 3.37 3.37 24.10
Q2 2016 1,205.36 3.40 3.40 3.40 23.76
Q3 2016 1,205.36 3.39 3.39 3.39 23.61
Q4 2016 1,205.36 2.91 2.91 2.91 24.64
Q1 2017 1,205.36 2.93 2.93 2.94 25.53
Q2 2017 1,205.36 2.90 2.90 2.91 26.24
Q3 2017 1,205.36 2.89 2.89 2.90 26.18
Q4 2017 1,205.36 2.93 2.93 2.94 26.27
Q1 2018 1,205.36 2.89 2.80 2.95 26.29
Q2 2018 1,205.36 2.75 2.67 2.81 26.67
Q3 2018 1,205.36 2.70 2.62 2.77 26.45
Q4 2018 1,205.36 1.16 2.34 3.35 25.60
Q1 2019 1,205.36 1.05 2.31 3.18 26.75
Q2 2019 1,205.36 1.02 2.28 3.15 27.05
Q3 2019 1,205.36 0.97 2.22 3.09 27.06
Q4 2019 1,205.36 2.58 2.58 2.59 27.33
Q1 2020 1,205.36 2.39 2.39 2.40 28.16
Q2 2020 1,205.36 2.09 2.09 2.09 27.94
Q3 2020 1,205.36 1.63 1.63 1.64 27.94
Q4 2020 1,205.36 1.28 1.28 1.24 27.91
Q1 2021 1,205.36 1.36 1.36 1.29 28.37

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Adjusted P/E Price/book
Q1 2012 12.03 12.03 1.74
Q2 2012 10.18 10.18 1.41
Q3 2012 9.80 9.80 1.27
Q4 2012 8.82 8.82 1.17
Q1 2013 9.48 9.48 1.18
Q2 2013 10.05 10.05 1.27
Q3 2013 10.52 10.52 1.33
Q4 2013 13.12 13.12 1.36
Q1 2014 14.21 14.21 1.52
Q2 2014 13.62 13.62 1.46
Q3 2014 15.70 15.70 1.83
Q4 2014 10.73 10.73 1.43
Q1 2015 10.84 10.84 1.44
Q2 2015 10.08 10.08 1.39
Q3 2015 9.17 9.17 1.27
Q4 2015 8.36 8.36 1.23
Q1 2016 7.50 7.50 1.05
Q2 2016 6.60 6.60 0.94
Q3 2016 6.21 6.21 0.89
Q4 2016 8.94 8.94 1.06
Q1 2017 8.81 8.81 1.01
Q2 2017 10.63 10.63 1.18
Q3 2017 10.42 10.42 1.15
Q4 2017 9.73 9.73 1.09
Q1 2018 9.95 10.24 1.12
Q2 2018 12.06 12.43 1.27
Q3 2018 12.04 12.41 1.26
Q4 2018 9.37 4.67 1.23
Q1 2019 11.67 5.33 1.39
Q2 2019 13.19 5.93 1.54
Q3 2019 10.44 4.55 1.19
Q4 2019 14.63 14.63 1.39
Q1 2020 10.77 10.77 0.92
Q2 2020 13.66 13.66 1.02
Q3 2020 19.70 19.70 1.16
Q4 2020 25.48 25.48 1.13
Q1 2021 25.85 25.85 1.18

Business Segments (Million)

Compared With The
Period Retail Corporate and Institutional Banking Global markets and Treasury Investment Banking and Brokerage
Q1 2012 358.44 567.86 197.30 96.61
Q2 2012 363.63 590.66 233.87 94.64
Q3 2012 349.45 572.22 205.98 92.59
Q4 2012 343.54 606.64 283.57 52.55
Q1 2013 356.29 629.23 149.70 69.83
Q2 2013 365.86 637.15 201.95 77.68
Q3 2013 363.05 637.84 220.42 62.75
Q4 2013 365.16 614.76 234.13 66.73
Q1 2014 359.17 641.86 317.26 82.88
Q2 2014 363.90 677.81 323.07 113.54
Q3 2014 358.79 710.77 327.64 89.46
Q4 2014 337.63 710.37 295.37 76.51
Q1 2015 356.05 751.84 394.64 87.58
Q2 2015 384.66 783.42 310.86 99.80
Q3 2015 387.40 789.72 337.51 73.65
Q4 2015 378.07 733.50 362.98 59.83
Q1 2016 388.71 788.11 404.21 63.89
Q2 2016 376.51 778.41 372.61 85.35
Q3 2016 369.75 787.13 373.80 56.95
Q4 2016 356.09 749.20 380.12 68.87
Q1 2017 381.68 808.87 443.31 62.71
Q2 2017 393.76 744.34 431.18 61.12
Q3 2017 403.67 719.52 440.01 66.36
Q4 2017 373.70 727.85 444.55 73.59
Q1 2018 407.50 758.45 519.07 59.45
Q2 2018 407.35 751.38 424.40 82.01
Q3 2018 462.47 780.06 392.81 61.04
Q4 2018 473.69 802.76 340.72 75.47
Q1 2019 459.73 780.74 404.56 77.65
Q2 2019 480.12 738.08 411.06 77.17
Q3 2019 466.64 806.94 403.56 60.59
Q4 2019 478.28 734.02 415.17 78.26
Q1 2020 459.26 740.72 474.75 82.22
Q2 2020 421.72 773.10 490.01 75.20
Q3 2020 473.03 715.80 473.82 88.10
Q4 2020 456.72 696.80 507.10 116.25
Q1 2021 488.28 717.24 453.16 136.84

Analysts Estimates (Million)

Item Q1 2021 (e) Q1 2021 (a) Change‬
Average 605.40 779.68 28.79 %

Estimates vs Actual (Million)

Item Q1 2021 (e) Q1 2021 (a) Change
OSOOL AND BAKHEET 654.20 779.68 19.2 %
Riyad Capital 586.00 779.68 33.1 %
SNB Capital 576.00 779.68 35.4 %


Financial Ratios
Current
Market Cap (M Riyal) 39,657.66
Shares Outstanding ((M)) 1,205.40
EPS ( Riyal) (TTM) 3.53
EPS Diluted ( Riyal) (TTM) 3.35
Book Value (BV) ( Riyal) 31.62
Par Value ( Riyal) 10.00
Adjusted P/E (Last12) 9.32
P/E (TTM) 9.32
Price/book 1.04
Return on Average Assets (%) (TTM) 1.6
Return on Average Equity (%) (TTM) 11.8
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Share Price

Banque Saudi Fransi
32.90
(0.20) (0.60 %)

Banque Saudi Fransi (BSF)

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