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- 6013 - DWF
- 1820 - ALHOKAIR GROUP
- 4170 - TECO
- 4290 - ALKHALEEJ TRNG
- 6002 - HERFY FOODS
- 1830 - Leejam Sports
- 6012 - RAYDAN
- 4291 - NCLE
- 4292 - ATAA
- 6014 - ALAMAR
- 6015 - AMERICANA
- 6016 - BURGERIZZR
- 4003 - EXTRA
- 4008 - SACO
- 4050 - SASCO
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- 4240 - CENOMI RETAIL
- 4191 - ABO MOATI
- 4051 - BAAZEEM
- 4192 - ALSAIF GALLERY
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- 4006 - FARM SUPERSTORES
- 4061 - ANAAM HOLDING
- 4160 - THIMAR
- 4161 - BINDAWOOD
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- 2050 - SAVOLA GROUP
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- 2281 - TANMIAH
- 2282 - NAQI
- 2283 - FIRST MILLS
- 4080 - SINAD HOLDING
- 2284 - MODERN MILLS
- 2285 - ARABIAN MILLS
- 2286 - FOURTH MILLING
- 4002 - MOUWASAT
- 4004 - DALLAH HEALTH
- 4005 - CARE
- 4007 - ALHAMMADI
- 4009 - SAUDI GERMAN HEALTH
- 2230 - CHEMICAL
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- 2140 - AYYAN
- 4014 - EQUIPMENT HOUSE
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- 1010 - RIBL
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- 4280 - KINGDOM
- 4130 - ALBAHA
- 4081 - NAYIFAT
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- 4082 - MRNA
- 1182 - AMLAK
- 1183 - SHL
- 8010 - TAWUNIYA
- 8012 - JAZIRA TAKAFUL
- 8020 - MALATH INSURANCE
- 8030 - MEDGULF
- 8040 - ALLIANZ SF
- 8050 - SALAMA
- 8060 - WALAA
- 8070 - ARABIAN SHIELD
- 8190 - UCA
- 8230 - ALRAJHI TAKAFUL
- 8280 - LIVA
- 8150 - ACIG
- 8210 - BUPA ARABIA
- 8270 - BURUJ
- 8180 - ALSAGR INSURANCE
- 8170 - ALETIHAD
- 8100 - SAICO
- 8120 - GULF UNION ALAHLIA
- 8200 - SAUDI RE
- 8160 - AICC
- 8250 - GIG
- 8240 - CHUBB
- 8260 - GULF GENERAL
- 8300 - WATANIYA
- 8310 - AMANA INSURANCE
- 8311 - ENAYA
- 8313 - RASAN
- 4330 - RIYAD REIT
- 4331 - ALJAZIRA REIT
- 4332 - JADWA REIT ALHARAMAIN
- 4333 - TALEEM REIT
- 4334 - AL MAATHER REIT
- 4335 - MUSHARAKA REIT
- 4336 - MULKIA REIT
- 4338 - ALAHLI REIT 1
- 4337 - SICO SAUDI REIT
- 4342 - JADWA REIT SAUDI
- 4340 - Al RAJHI REIT
- 4339 - DERAYAH REIT
- 4344 - SEDCO CAPITAL REIT
- 4347 - BONYAN REIT
- 4345 - ALINMA RETAIL REIT
- 4346 - MEFIC REIT
- 4348 - ALKHABEER REIT
- 4349 - ALINMA HOSPITALITY REIT
- 4350 - ALISTITHMAR REIT
- 4020 - ALAKARIA
- 4323 - SUMOU
- 4090 - TAIBA
- 4100 - MCDC
- 4150 - ARDCO
- 4220 - EMAAR EC
- 4230 - RED SEA
- 4250 - JABAL OMAR
- 4300 - DAR ALARKAN
- 4310 - KEC
- 4320 - ALANDALUS
- 4321 - CENOMI CENTERS
- 4322 - RETAL
- NOMU
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Real Estate Mgmt & Dev't
Food & Beverages
- 9515 - FESH FASH
- 9532 - ALJOUF WATER
- 9536 - FADECO
- 9556 - NOFOTH
- 9559 - BALADY
- 9564 - HORIZON FOOD
- 9555 - LEEN ALKHAIR
- 9612 - SAMA WATER
- 9518 - CMCER
- 9530 - TIBBIYAH
- 9527 - AME
- 9544 - FUTURE CARE
- 9546 - NABA ALSAHA
- 9574 - PRO MEDEX
- 9594 - ALMODAWAT
- 9572 - ALRAZI
- 9587 - LANA
- 9600 - QOMEL
- 9604 - MIRAL
- 9513 - WATANI STEEL
- 9514 - ALNAQOOL
- 9523 - GROUP FIVE
- 9539 - AQASEEM
- 9548 - APICO
- 9553 - MOLAN
- 9565 - MEYAR
- 9552 - SAUDI TOP
- 9563 - BENA
- 9566 - LIME INDUSTRIES
- 9580 - ALRASHID INDUSTRIAL
- 9583 - UNITED MINING
- 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
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- 9578 - ATLAS ELEVATORS
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- 9540 - TADWEEER
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- 9581 - CLEAN LIFE
- 9593 - PAN GULF
- 9597 - LEAF
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- 9613 - SHALFA
- 9541 - ACADEMY OF LEARNING
- 9562 - FOOD GATE
- 9590 - ARMAH
- 9526 - JAHEZ
- 9598 - ALMOHAFAZA FOR EDUCATION
- 9603 - HORIZON EDUCATIONAL
- 9567 - GHIDA ALSULTAN
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Saudi Investment Bank (SAIB) reported a net profit of SAR 1.157 billion in the first nine months of 2022, a 49% increase from SAR 775.6 million in the year-ago period, driven by higher gross operating income and lower gross operating expenses.
Financials (M)
Item | 9m 2021 | 9m 2022 | Change |
---|---|---|---|
Net Special Commission Income | 1,724.42 | 2,019.25 | 17.1 % |
Operating Income | 2,029.34 | 2,347.81 | 15.7 % |
Total Provisions | (225.61) | 57.65 | 125.6 % |
Net Income | 775.61 | 1,157.63 | 49.3 % |
Average Shares | 1,250.00 | 1,250.00 | - |
EPS (Riyals) | 0.62 | 0.93 | 49.3 % |
The profit increase was driven by higher gross operating income and lower gross operating expenses.
Current Quarter Comparison (M)
Item | Q3 2021 | Q3 2022 | Change |
---|---|---|---|
Net Special Commission Income | 595.05 | 757.88 | 27.4 % |
Operating Income | 680.24 | 858.21 | 26.2 % |
Debt Provisions | (51.03) | 149.02 | 392.0 % |
Net Income | 274.35 | 549.97 | 100.5 % |
Average Shares | 1,250.00 | 1,250.00 | - |
EPS (Riyals) | 0.22 | 0.44 | 100.5 % |
Item | Q2 2022 | Q3 2022 | Change |
---|---|---|---|
Net Special Commission Income | 672.21 | 757.88 | 12.7 % |
Operating Income | 772.46 | 858.21 | 11.1 % |
Debt Provisions | (53.61) | 149.02 | 378.0 % |
Net Income | 320.65 | 549.97 | 71.5 % |
Average Shares | 1,250.00 | 1,250.00 | - |
EPS (Riyals) | 0.26 | 0.44 | 71.5 % |
EPS Diluted (Riyal) | 0.23 | 0.43 | 82.4 % |
In Q3 2022, the net profit doubled year-on-year (YoY) to SAR 550 million from SAR 274.3 million.
Sequentially, SAIB’s Q3 net profit rose 71.5% from SAR 320.7 million.
Shareholders’ equity, excluding minority interest, fell to SAR 13.293 billion as of Sept. 30, 2022, from SAR 14.688 billion in the year-earlier period.
Balance Sheet (B)
Item | 9m 2021 | 9m 2022 | Change |
---|---|---|---|
Assets | 99.64 | 106.54 | 6.9 % |
Customer Deposits | 60.89 | 67.60 | 11.0 % |
Loan | 58.29 | 64.67 | 10.9 % |
View other reports
- TASI
-
Energy
- 2222 - SAUDI ARAMCO
- 2030 - SARCO
- 2380 - PETRO RABIGH
- 4030 - BAHRI
- 4200 - ALDREES
- 2381 - ARABIAN DRILLING
- 2382 - ADES
- 1201 - TAKWEEN
- 1202 - MEPCO
- 1210 - BCI
- 1211 - MAADEN
- 1301 - ASLAK
- 1304 - ALYAMAMAH STEEL
- 1320 - SSP
- 2001 - CHEMANOL
- 2010 - SABIC
- 2020 - SABIC AGRI-NUTRIENTS
- 2090 - NGC
- 2150 - ZOUJAJ
- 2170 - ALUJAIN
- 2180 - FIPCO
- 2200 - APC
- 2210 - NAMA CHEMICALS
- 2220 - MAADANIYAH
- 2240 - ZAMIL INDUST
- 2250 - SIIG
- 2290 - YANSAB
- 2300 - SPM
- 2310 - SIPCHEM
- 2330 - ADVANCED
- 2350 - SAUDI KAYAN
- 3002 - NAJRAN CEMENT
- 3003 - CITY CEMENT
- 3004 - NORTHERN CEMENT
- 3005 - UACC
- 3010 - ACC
- 3020 - YC
- 3030 - SAUDI CEMENT
- 3040 - QACCO
- 3050 - SPCC
- 3060 - YCC
- 3080 - EPCCO
- 3090 - TCC
- 3091 - JOUF CEMENT
- 3092 - RIYADH CEMENT
- 2060 - TASNEE
- 3008 - ALKATHIRI
- 3007 - OASIS
- 1321 - EAST PIPES
- 1322 - AMAK
- 2223 - LUBEREF
- 2360 - SVCP
- 1212 - ASTRA INDUSTRIAL
- 1302 - BAWAN
- 1303 - EIC
- 2040 - SAUDI CERAMICS
- 2110 - SAUDI CABLE
- 2160 - AMIANTIT
- 2320 - ALBABTAIN
- 2370 - MESC
- 4140 - SIECO
- 4141 - ALOMRAN
- 4142 - RIYADH CABLES
- 1214 - SHAKER
- 4110 - BATIC
- 4143 - TALCO
- 4031 - SGS
- 4040 - SAPTCO
- 4260 - BUDGET SAUDI
- 2190 - SISCO HOLDING
- 4261 - THEEB
- 4263 - SAL
- 4262 - LUMI
- 1810 - SEERA
- 6013 - DWF
- 1820 - ALHOKAIR GROUP
- 4170 - TECO
- 4290 - ALKHALEEJ TRNG
- 6002 - HERFY FOODS
- 1830 - Leejam Sports
- 6012 - RAYDAN
- 4291 - NCLE
- 4292 - ATAA
- 6014 - ALAMAR
- 6015 - AMERICANA
- 6016 - BURGERIZZR
- 4003 - EXTRA
- 4008 - SACO
- 4050 - SASCO
- 4190 - JARIR
- 4240 - CENOMI RETAIL
- 4191 - ABO MOATI
- 4051 - BAAZEEM
- 4192 - ALSAIF GALLERY
- 4001 - A.OTHAIM MARKET
- 4006 - FARM SUPERSTORES
- 4061 - ANAAM HOLDING
- 4160 - THIMAR
- 4161 - BINDAWOOD
- 4162 - ALMUNAJEM
- 4164 - NAHDI
- 4163 - ALDAWAA
- 2050 - SAVOLA GROUP
- 2100 - WAFRAH
- 2270 - SADAFCO
- 2280 - ALMARAI
- 6001 - HB
- 6010 - NADEC
- 6020 - GACO
- 6040 - TADCO
- 6050 - SFICO
- 6060 - SHARQIYAH DEV
- 6070 - ALJOUF
- 6090 - JAZADCO
- 2281 - TANMIAH
- 2282 - NAQI
- 2283 - FIRST MILLS
- 4080 - SINAD HOLDING
- 2284 - MODERN MILLS
- 2285 - ARABIAN MILLS
- 2286 - FOURTH MILLING
- 4002 - MOUWASAT
- 4004 - DALLAH HEALTH
- 4005 - CARE
- 4007 - ALHAMMADI
- 4009 - SAUDI GERMAN HEALTH
- 2230 - CHEMICAL
- 4013 - SULAIMAN ALHABIB
- 2140 - AYYAN
- 4014 - EQUIPMENT HOUSE
- 4017 - FAKEEH CARE
- 1010 - RIBL
- 1020 - BJAZ
- 1030 - SAIB
- 1050 - BSF
- 1060 - SAB
- 1080 - ANB
- 1120 - ALRAJHI
- 1140 - ALBILAD
- 1150 - ALINMA
- 1180 - SNB
- 2120 - SAIC
- 4280 - KINGDOM
- 4130 - ALBAHA
- 4081 - NAYIFAT
- 1111 - TADAWUL GROUP
- 4082 - MRNA
- 1182 - AMLAK
- 1183 - SHL
- 8010 - TAWUNIYA
- 8012 - JAZIRA TAKAFUL
- 8020 - MALATH INSURANCE
- 8030 - MEDGULF
- 8040 - ALLIANZ SF
- 8050 - SALAMA
- 8060 - WALAA
- 8070 - ARABIAN SHIELD
- 8190 - UCA
- 8230 - ALRAJHI TAKAFUL
- 8280 - LIVA
- 8150 - ACIG
- 8210 - BUPA ARABIA
- 8270 - BURUJ
- 8180 - ALSAGR INSURANCE
- 8170 - ALETIHAD
- 8100 - SAICO
- 8120 - GULF UNION ALAHLIA
- 8200 - SAUDI RE
- 8160 - AICC
- 8250 - GIG
- 8240 - CHUBB
- 8260 - GULF GENERAL
- 8300 - WATANIYA
- 8310 - AMANA INSURANCE
- 8311 - ENAYA
- 8313 - RASAN
- 4330 - RIYAD REIT
- 4331 - ALJAZIRA REIT
- 4332 - JADWA REIT ALHARAMAIN
- 4333 - TALEEM REIT
- 4334 - AL MAATHER REIT
- 4335 - MUSHARAKA REIT
- 4336 - MULKIA REIT
- 4338 - ALAHLI REIT 1
- 4337 - SICO SAUDI REIT
- 4342 - JADWA REIT SAUDI
- 4340 - Al RAJHI REIT
- 4339 - DERAYAH REIT
- 4344 - SEDCO CAPITAL REIT
- 4347 - BONYAN REIT
- 4345 - ALINMA RETAIL REIT
- 4346 - MEFIC REIT
- 4348 - ALKHABEER REIT
- 4349 - ALINMA HOSPITALITY REIT
- 4350 - ALISTITHMAR REIT
- 4020 - ALAKARIA
- 4323 - SUMOU
- 4090 - TAIBA
- 4100 - MCDC
- 4150 - ARDCO
- 4220 - EMAAR EC
- 4230 - RED SEA
- 4250 - JABAL OMAR
- 4300 - DAR ALARKAN
- 4310 - KEC
- 4320 - ALANDALUS
- 4321 - CENOMI CENTERS
- 4322 - RETAL
- NOMU
-
Real Estate Mgmt & Dev't
Food & Beverages
- 9515 - FESH FASH
- 9532 - ALJOUF WATER
- 9536 - FADECO
- 9556 - NOFOTH
- 9559 - BALADY
- 9564 - HORIZON FOOD
- 9555 - LEEN ALKHAIR
- 9612 - SAMA WATER
- 9518 - CMCER
- 9530 - TIBBIYAH
- 9527 - AME
- 9544 - FUTURE CARE
- 9546 - NABA ALSAHA
- 9574 - PRO MEDEX
- 9594 - ALMODAWAT
- 9572 - ALRAZI
- 9587 - LANA
- 9600 - QOMEL
- 9604 - MIRAL
- 9513 - WATANI STEEL
- 9514 - ALNAQOOL
- 9523 - GROUP FIVE
- 9539 - AQASEEM
- 9548 - APICO
- 9553 - MOLAN
- 9565 - MEYAR
- 9552 - SAUDI TOP
- 9563 - BENA
- 9566 - LIME INDUSTRIES
- 9580 - ALRASHID INDUSTRIAL
- 9583 - UNITED MINING
- 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
- 9541 - ACADEMY OF LEARNING
- 9562 - FOOD GATE
- 9590 - ARMAH
- 9526 - JAHEZ
- 9598 - ALMOHAFAZA FOR EDUCATION
- 9603 - HORIZON EDUCATIONAL
- 9567 - GHIDA ALSULTAN
Share Price
Saudi Investment Bank (SAIB)
Current | |
Market Cap (M Riyal) | 17,400.00 |
Shares Outstanding ((M)) | 1,250.00 |
EPS ( Riyal) (TTM) | 1.52 |
EPS Diluted ( Riyal) (TTM) | 1.39 |
Book Value (BV) ( Riyal) | 12.27 |
Par Value ( Riyal) | 10.00 |
Adjusted P/E (Last12) | 9.19 |
P/E (TTM) | 9.19 |
Price/book | 1.13 |
Return on Average Assets (%) (TTM) | 1.3 |
Return on Average Equity (%) (TTM) | 13.0 |
Financial results (Million)
Financial results (Million)
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
Q1 2013 | 339.61 | 16.8 % | 505.38 | 10.2 % | (30.00) | 73.9 % |
Q2 2013 | 343.41 | 12.1 % | 518.68 | 23.7 % | (30.00) | 57.1 % |
Q3 2013 | 346.63 | 8.1 % | 501.41 | 23.1 % | (30.00) | 33.3 % |
Q4 2013 | 335.34 | 3.4 % | 491.19 | 12.6 % | (15.00) | 40.0 % |
2013 | 1,364.98 | 9.9 % | 2,016.67 | 17.1 % | (105.00) | 58.8 % |
Q1 2014 | 354.68 | 4.4 % | 533.35 | 5.5 % | (141.00) | (370.0 %) |
Q2 2014 | 371.05 | 8.0 % | 550.75 | 6.2 % | (21.00) | 30.0 % |
Q3 2014 | 389.06 | 12.2 % | 576.12 | 14.9 % | (14.00) | 53.3 % |
Q4 2014 | 424.77 | 26.7 % | 647.00 | 31.7 % | (45.30) | (202.0 %) |
2014 | 1,539.56 | 12.8 % | 2,307.23 | 14.4 % | (221.30) | (110.8 %) |
Q1 2015 | 430.57 | 21.4 % | 652.24 | 22.3 % | (23.00) | 83.7 % |
Q2 2015 | 430.97 | 16.1 % | 640.48 | 16.3 % | (46.00) | (119.0 %) |
Q3 2015 | 441.57 | 13.5 % | 603.17 | 4.7 % | (22.00) | (57.1 %) |
Q4 2015 | 428.08 | 0.8 % | 615.17 | (4.9 %) | (27.00) | 40.4 % |
2015 | 1,731.19 | 12.4 % | 2,511.06 | 8.8 % | (118.00) | 46.7 % |
Q1 2016 | 412.80 | (4.1 %) | 590.74 | (9.4 %) | (118.00) | (413.0 %) |
Q2 2016 | 420.70 | (2.4 %) | 612.19 | (4.4 %) | (58.00) | (26.1 %) |
Q3 2016 | 460.66 | 4.3 % | 633.14 | 5.0 % | (30.00) | (36.4 %) |
Q4 2016 | 377.90 | (11.7 %) | 569.79 | (7.4 %) | (40.00) | (48.1 %) |
2016 | 1,672.06 | (3.4 %) | 2,405.87 | (4.2 %) | (246.00) | (108.5 %) |
Q1 2017 | 463.02 | 12.2 % | 624.96 | 5.8 % | (45.00) | 61.9 % |
Q2 2017 | 486.44 | 15.6 % | 655.84 | 7.1 % | (74.00) | (27.6 %) |
Q3 2017 | 508.96 | 10.5 % | 701.64 | 10.8 % | (63.00) | (110.0 %) |
Q4 2017 | 583.65 | 54.4 % | 677.44 | 18.9 % | (31.00) | 22.5 % |
2017 | 2,042.06 | 22.1 % | 2,659.88 | 10.6 % | (213.00) | 13.4 % |
Q1 2018 | 564.16 | 21.8 % | 686.32 | 9.8 % | (88.55) | (96.8 %) |
Q2 2018 | 573.40 | 17.9 % | 671.08 | 2.3 % | (64.21) | 13.2 % |
Q3 2018 | 596.51 | 17.2 % | 700.59 | (0.1 %) | (90.43) | (43.5 %) |
Q4 2018 | 553.66 | (5.1 %) | 654.73 | (3.4 %) | (3.79) | 87.8 % |
2018 | 2,287.72 | 12.0 % | 2,712.73 | 2.0 % | (246.97) | (15.9 %) |
Q1 2019 | 581.08 | 3.0 % | 702.19 | 2.3 % | (77.22) | 12.8 % |
Q2 2019 | 560.00 | (2.3 %) | 663.10 | (1.2 %) | (751.00) | (1,069.6 %) |
Q3 2019 | 566.13 | (5.1 %) | 739.35 | 5.5 % | (66.15) | 26.9 % |
Q4 2019 | 570.69 | 3.1 % | 713.59 | 9.0 % | (448.28) | (11,724.7 %) |
2019 | 2,277.89 | (0.4 %) | 2,818.23 | 3.9 % | (1,342.64) | (443.6 %) |
Q1 2020 | 582.71 | 0.3 % | 717.72 | 2.2 % | (224.98) | (191.3 %) |
Q2 2020 | 609.21 | 8.8 % | 713.29 | 7.6 % | (98.70) | 86.9 % |
Q3 2020 | 575.46 | 1.6 % | 724.92 | (2.0 %) | (57.30) | 13.4 % |
Q4 2020 | 554.27 | (2.9 %) | 690.20 | (3.3 %) | (68.45) | 84.7 % |
2020 | 2,321.65 | 1.9 % | 2,846.13 | 1.0 % | (449.41) | 66.5 % |
Q1 2021 | 542.96 | (6.8 %) | 635.08 | (11.5 %) | (64.84) | 71.2 % |
Q2 2021 | 584.55 | (4.0 %) | 716.68 | 0.5 % | (109.73) | (11.2 %) |
Q3 2021 | 595.05 | 3.4 % | 680.24 | (6.2 %) | (51.03) | 10.9 % |
Q4 2021 | 627.98 | 13.3 % | 723.70 | 4.9 % | (45.46) | 33.6 % |
2021 | 2,352.40 | 1.3 % | 2,753.05 | (3.3 %) | (271.07) | 39.7 % |
Q1 2022 | 589.16 | 8.5 % | 717.14 | 12.9 % | (37.76) | 41.8 % |
Q2 2022 | 672.21 | 15.0 % | 772.46 | 7.8 % | (53.61) | 51.1 % |
Q3 2022 | 757.88 | 27.4 % | 858.21 | 26.2 % | 149.02 | 392.0 % |
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
2012 | 1,241.93 | 1.3 % | 1,721.60 | 6.5 % | (255.00) | 11.5 % |
2013 | 1,364.98 | 9.9 % | 2,016.67 | 17.1 % | (105.00) | 58.8 % |
2014 | 1,539.56 | 12.8 % | 2,307.23 | 14.4 % | (221.30) | (110.8 %) |
2015 | 1,731.19 | 12.4 % | 2,511.06 | 8.8 % | (118.00) | 46.7 % |
2016 | 1,672.06 | (3.4 %) | 2,405.87 | (4.2 %) | (246.00) | (108.5 %) |
2017 | 2,042.06 | 22.1 % | 2,659.88 | 10.6 % | (213.00) | 13.4 % |
2018 | 2,287.72 | 12.0 % | 2,712.73 | 2.0 % | (246.97) | (15.9 %) |
2019 | 2,277.89 | (0.4 %) | 2,818.23 | 3.9 % | (1,342.64) | (443.6 %) |
2020 | 2,321.65 | 1.9 % | 2,846.13 | 1.0 % | (449.41) | 66.5 % |
2021 | 2,352.40 | 1.3 % | 2,753.05 | (3.3 %) | (271.07) | 39.7 % |
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 2013 | 314.27 | 48.1 % | 0.25 | - | 314.27 | 0.25 |
Q2 2013 | 320.40 | 44.1 % | 0.26 | - | 320.40 | 0.26 |
Q3 2013 | 325.39 | 40.4 % | 0.26 | - | 325.39 | 0.26 |
Q4 2013 | 326.77 | 33.0 % | 0.26 | - | 326.77 | 0.26 |
2013 | 1,286.83 | 41.1 % | 1.03 | - | 1,286.83 | 1.03 |
Q1 2014 | 337.47 | 7.4 % | 0.27 | 223.95 | 113.52 | 0.09 |
Q2 2014 | 352.96 | 10.2 % | 0.28 | - | 352.96 | 0.28 |
Q3 2014 | 371.17 | 14.1 % | 0.30 | - | 371.17 | 0.30 |
Q4 2014 | 374.87 | 14.7 % | 0.30 | 0.00 | 374.87 | 0.30 |
2014 | 1,436.48 | 11.6 % | 1.15 | 223.95 | 1,212.53 | 0.97 |
Q1 2015 | 366.70 | 8.7 % | 0.29 | - | 366.70 | 0.29 |
Q2 2015 | 382.57 | 8.4 % | 0.31 | - | 382.57 | 0.31 |
Q3 2015 | 351.43 | (5.3 %) | 0.28 | - | 351.43 | 0.28 |
Q4 2015 | 227.96 | (39.2 %) | 0.18 | - | 227.96 | 0.18 |
2015 | 1,328.66 | (7.5 %) | 1.06 | - | 1,328.66 | 1.06 |
Q1 2016 | 210.00 | (42.7 %) | 0.17 | - | 210.00 | 0.17 |
Q2 2016 | 321.37 | (16.0 %) | 0.26 | - | 321.37 | 0.26 |
Q3 2016 | 219.43 | (37.6 %) | 0.18 | - | 219.43 | 0.18 |
Q4 2016 | 302.17 | 32.6 % | 0.24 | - | 302.17 | 0.24 |
2016 | 1,052.96 | (20.8 %) | 0.84 | - | 1,052.96 | 0.84 |
Q1 2017 | 344.94 | 64.3 % | 0.28 | - | 344.94 | 0.28 |
Q2 2017 | 355.65 | 10.7 % | 0.28 | - | 355.65 | 0.28 |
Q3 2017 | 358.35 | 63.3 % | 0.29 | - | 358.35 | 0.29 |
Q4 2017 | 351.86 | 16.4 % | 0.28 | - | 351.86 | 0.28 |
2017 | 1,410.80 | 34.0 % | 1.13 | - | 1,410.80 | 1.13 |
Q1 2018 | 346.01 | 0.3 % | 0.28 | - | 346.01 | 0.28 |
Q2 2018 | 336.78 | (5.3 %) | 0.27 | - | 336.78 | 0.27 |
Q3 2018 | 345.73 | (3.5 %) | 0.28 | - | 345.73 | 0.28 |
Q4 2018 | (452.62) | (228.6 %) | (0.36) | (750.51) | 297.89 | 0.24 |
2018 | 575.90 | (59.2 %) | 0.46 | (750.51) | 1,326.40 | 1.06 |
Q1 2019 | 281.45 | (18.7 %) | 0.23 | - | 281.45 | 0.23 |
Q2 2019 | (284.74) | (184.5 %) | (0.23) | - | (284.74) | (0.23) |
Q3 2019 | 311.93 | (9.8 %) | 0.25 | - | 311.93 | 0.25 |
Q4 2019 | (69.18) | 84.7 % | (0.06) | - | (69.18) | (0.06) |
2019 | 239.46 | (58.4 %) | 0.19 | - | 239.46 | 0.19 |
Q1 2020 | 150.71 | (46.5 %) | 0.12 | - | 150.71 | 0.12 |
Q2 2020 | 262.26 | 192.1 % | 0.21 | - | 262.26 | 0.21 |
Q3 2020 | 301.37 | (3.4 %) | 0.24 | 19.40 | 281.97 | 0.23 |
Q4 2020 | 265.21 | 483.4 % | 0.21 | - | 265.21 | 0.21 |
2020 | 979.56 | 309.1 % | 0.78 | 19.40 | 960.16 | 0.77 |
Q1 2021 | 213.50 | 41.7 % | 0.17 | - | 213.50 | 0.17 |
Q2 2021 | 287.77 | 9.7 % | 0.23 | - | 287.77 | 0.23 |
Q3 2021 | 274.35 | (9.0 %) | 0.22 | - | 274.35 | 0.22 |
Q4 2021 | 286.05 | 7.9 % | 0.23 | - | 286.05 | 0.23 |
2021 | 1,061.66 | 8.4 % | 0.85 | - | 1,061.66 | 0.85 |
Q1 2022 | 287.02 | 34.4 % | 0.23 | - | 287.02 | 0.23 |
Q2 2022 | 320.65 | 11.4 % | 0.26 | - | 320.65 | 0.26 |
Q3 2022 | 549.97 | 100.5 % | 0.44 | - | 549.97 | 0.44 |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
2012 | 912.04 | 28.9 % | 0.73 | - | 912.04 | 0.73 |
2013 | 1,286.83 | 41.1 % | 1.03 | - | 1,286.83 | 1.03 |
2014 | 1,436.48 | 11.6 % | 1.15 | 223.95 | 1,212.53 | 0.97 |
2015 | 1,328.66 | (7.5 %) | 1.06 | - | 1,328.66 | 1.06 |
2016 | 1,052.96 | (20.8 %) | 0.84 | - | 1,052.96 | 0.84 |
2017 | 1,410.80 | 34.0 % | 1.13 | - | 1,410.80 | 1.13 |
2018 | 575.90 | (59.2 %) | 0.46 | (750.51) | 1,326.40 | 1.06 |
2019 | 239.46 | (58.4 %) | 0.19 | - | 239.46 | 0.19 |
2020 | 979.56 | 309.1 % | 0.78 | 19.40 | 960.16 | 0.77 |
2021 | 1,061.66 | 8.4 % | 0.85 | - | 1,061.66 | 0.85 |
Balance Sheet (B)
Balance Sheet Performance (B)
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
Q1 2013 | 63.13 | 21.0 % | 44.04 | 19.2 % | 36.99 | 32.2 % |
Q2 2013 | 66.66 | 24.7 % | 48.56 | 27.5 % | 40.41 | 35.6 % |
Q3 2013 | 70.81 | 28.6 % | 51.85 | 33.5 % | 42.73 | 34.4 % |
Q4 2013 | 80.50 | 36.3 % | 57.04 | 41.2 % | 47.57 | 39.7 % |
Q1 2014 | 82.86 | 31.3 % | 62.14 | 41.1 % | 52.24 | 41.2 % |
Q2 2014 | 88.06 | 32.1 % | 67.73 | 39.5 % | 54.77 | 35.5 % |
Q3 2014 | 90.55 | 27.9 % | 69.68 | 34.4 % | 57.56 | 34.7 % |
Q4 2014 | 93.63 | 16.3 % | 70.73 | 24.0 % | 57.47 | 20.8 % |
Q1 2015 | 91.06 | 9.9 % | 69.63 | 12.0 % | 57.32 | 9.7 % |
Q2 2015 | 92.51 | 5.1 % | 70.48 | 4.1 % | 57.17 | 4.4 % |
Q3 2015 | 90.27 | (0.3 %) | 66.82 | (4.1 %) | 58.08 | 0.9 % |
Q4 2015 | 93.58 | (0.1 %) | 70.52 | (0.3 %) | 60.27 | 4.9 % |
Q1 2016 | 96.39 | 5.9 % | 70.69 | 1.5 % | 61.62 | 7.5 % |
Q2 2016 | 95.95 | 3.7 % | 68.09 | (3.4 %) | 61.25 | 7.1 % |
Q3 2016 | 96.18 | 6.5 % | 66.45 | (0.6 %) | 61.29 | 5.5 % |
Q4 2016 | 93.05 | (0.6 %) | 65.64 | (6.9 %) | 60.25 | 0.0 % |
Q1 2017 | 95.18 | (1.3 %) | 64.44 | (8.8 %) | 60.29 | (2.2 %) |
Q2 2017 | 96.88 | 1.0 % | 66.56 | (2.2 %) | 61.63 | 0.6 % |
Q3 2017 | 98.33 | 2.2 % | 71.06 | 6.9 % | 61.07 | (0.4 %) |
Q4 2017 | 93.80 | 0.8 % | 66.94 | 2.0 % | 59.59 | (1.1 %) |
Q1 2018 | 91.53 | (3.8 %) | 61.03 | (5.3 %) | 57.90 | (4.0 %) |
Q2 2018 | 101.95 | 5.2 % | 71.30 | 7.1 % | 59.33 | (3.7 %) |
Q3 2018 | 95.45 | (2.9 %) | 64.02 | (9.9 %) | 59.54 | (2.5 %) |
Q4 2018 | 96.07 | 2.4 % | 63.69 | (4.9 %) | 59.41 | (0.3 %) |
Q1 2019 | 94.83 | 3.6 % | 63.82 | 4.6 % | 58.18 | 0.5 % |
Q2 2019 | 97.96 | (3.9 %) | 66.84 | (6.3 %) | 56.93 | (4.1 %) |
Q3 2019 | 96.30 | 0.9 % | 64.96 | 1.5 % | 57.63 | (3.2 %) |
Q4 2019 | 100.81 | 4.9 % | 69.06 | 8.4 % | 57.11 | (3.9 %) |
Q1 2020 | 100.80 | 6.3 % | 67.64 | 6.0 % | 59.88 | 2.9 % |
Q2 2020 | 104.62 | 6.8 % | 64.24 | (3.9 %) | 58.60 | 2.9 % |
Q3 2020 | 98.34 | 2.1 % | 59.84 | (7.9 %) | 57.72 | 0.2 % |
Q4 2020 | 99.88 | (0.9 %) | 60.14 | (12.9 %) | 55.07 | (3.6 %) |
Q1 2021 | 96.27 | (4.5 %) | 56.12 | (17.0 %) | 55.42 | (7.4 %) |
Q2 2021 | 98.41 | (5.9 %) | 59.81 | (6.9 %) | 56.30 | (3.9 %) |
Q3 2021 | 99.64 | 1.3 % | 60.89 | 1.8 % | 58.29 | 1.0 % |
Q4 2021 | 101.62 | 1.7 % | 61.48 | 2.2 % | 57.80 | 4.9 % |
Q1 2022 | 109.26 | 13.5 % | 68.35 | 21.8 % | 59.94 | 8.1 % |
Q2 2022 | 110.80 | 12.6 % | 67.46 | 12.8 % | 62.26 | 10.6 % |
Q3 2022 | 106.54 | 6.9 % | 67.60 | 11.0 % | 64.67 | 10.9 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
3m 2013 | 63.13 | 21.0 % | 44.04 | 19.2 % | 36.99 | 32.2 % |
6m 2013 | 66.66 | 24.7 % | 48.56 | 27.5 % | 40.41 | 35.6 % |
9m 2013 | 70.81 | 28.6 % | 51.85 | 33.5 % | 42.73 | 34.4 % |
12m 2013 | 80.50 | 36.3 % | 57.04 | 41.2 % | 47.57 | 39.7 % |
3m 2014 | 82.86 | 31.3 % | 62.14 | 41.1 % | 52.24 | 41.2 % |
6m 2014 | 88.06 | 32.1 % | 67.73 | 39.5 % | 54.77 | 35.5 % |
9m 2014 | 90.55 | 27.9 % | 69.68 | 34.4 % | 57.56 | 34.7 % |
12m 2014 | 93.63 | 16.3 % | 70.73 | 24.0 % | 57.47 | 20.8 % |
3m 2015 | 91.06 | 9.9 % | 69.63 | 12.0 % | 57.32 | 9.7 % |
6m 2015 | 92.51 | 5.1 % | 70.48 | 4.1 % | 57.17 | 4.4 % |
9m 2015 | 90.27 | (0.3 %) | 66.82 | (4.1 %) | 58.08 | 0.9 % |
12m 2015 | 93.58 | (0.1 %) | 70.52 | (0.3 %) | 60.27 | 4.9 % |
3m 2016 | 96.39 | 5.9 % | 70.69 | 1.5 % | 61.62 | 7.5 % |
6m 2016 | 95.95 | 3.7 % | 68.09 | (3.4 %) | 61.25 | 7.1 % |
9m 2016 | 96.18 | 6.5 % | 66.45 | (0.6 %) | 61.29 | 5.5 % |
12m 2016 | 93.05 | (0.6 %) | 65.64 | (6.9 %) | 60.25 | 0.0 % |
3m 2017 | 95.18 | (1.3 %) | 64.44 | (8.8 %) | 60.29 | (2.2 %) |
6m 2017 | 96.88 | 1.0 % | 66.56 | (2.2 %) | 61.63 | 0.6 % |
9m 2017 | 98.33 | 2.2 % | 71.06 | 6.9 % | 61.07 | (0.4 %) |
12m 2017 | 93.80 | 0.8 % | 66.94 | 2.0 % | 59.59 | (1.1 %) |
3m 2018 | 91.53 | (3.8 %) | 61.03 | (5.3 %) | 57.90 | (4.0 %) |
6m 2018 | 101.95 | 5.2 % | 71.30 | 7.1 % | 59.33 | (3.7 %) |
9m 2018 | 95.45 | (2.9 %) | 64.02 | (9.9 %) | 59.54 | (2.5 %) |
12m 2018 | 96.07 | 2.4 % | 63.69 | (4.9 %) | 59.41 | (0.3 %) |
3m 2019 | 94.83 | 3.6 % | 63.82 | 4.6 % | 58.18 | 0.5 % |
6m 2019 | 97.96 | (3.9 %) | 66.84 | (6.3 %) | 56.93 | (4.1 %) |
9m 2019 | 96.30 | 0.9 % | 64.96 | 1.5 % | 57.63 | (3.2 %) |
12m 2019 | 100.81 | 4.9 % | 69.06 | 8.4 % | 57.11 | (3.9 %) |
3m 2020 | 100.80 | 6.3 % | 67.64 | 6.0 % | 59.88 | 2.9 % |
6m 2020 | 104.62 | 6.8 % | 64.24 | (3.9 %) | 58.60 | 2.9 % |
9m 2020 | 98.34 | 2.1 % | 59.84 | (7.9 %) | 57.72 | 0.2 % |
12m 2020 | 99.88 | (0.9 %) | 60.14 | (12.9 %) | 55.07 | (3.6 %) |
3m 2021 | 96.27 | (4.5 %) | 56.12 | (17.0 %) | 55.42 | (7.4 %) |
6m 2021 | 98.41 | (5.9 %) | 59.81 | (6.9 %) | 56.30 | (3.9 %) |
9m 2021 | 99.64 | 1.3 % | 60.89 | 1.8 % | 58.29 | 1.0 % |
12m 2021 | 101.62 | 1.7 % | 61.48 | 2.2 % | 57.80 | 4.9 % |
3m 2022 | 109.26 | 13.5 % | 68.35 | 21.8 % | 59.94 | 8.1 % |
6m 2022 | 110.80 | 12.6 % | 67.46 | 12.8 % | 62.26 | 10.6 % |
9m 2022 | 106.54 | 6.9 % | 67.60 | 11.0 % | 64.67 | 10.9 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
2012 | 59.07 | 13.7 % | 40.41 | 9.9 % | 34.05 | 25.6 % |
2013 | 80.50 | 36.3 % | 57.04 | 41.2 % | 47.57 | 39.7 % |
2014 | 93.63 | 16.3 % | 70.73 | 24.0 % | 57.47 | 20.8 % |
2015 | 93.58 | (0.1 %) | 70.52 | (0.3 %) | 60.27 | 4.9 % |
2016 | 93.05 | (0.6 %) | 65.64 | (6.9 %) | 60.25 | 0.0 % |
2017 | 93.80 | 0.8 % | 66.94 | 2.0 % | 59.59 | (1.1 %) |
2018 | 96.07 | 2.4 % | 63.69 | (4.9 %) | 59.41 | (0.3 %) |
2019 | 100.81 | 4.9 % | 69.06 | 8.4 % | 57.11 | (3.9 %) |
2020 | 99.88 | (0.9 %) | 60.14 | (12.9 %) | 55.07 | (3.6 %) |
2021 | 101.62 | 1.7 % | 61.48 | 2.2 % | 57.80 | 4.9 % |
Profitability
Profitability
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
Q1 2013 | 1.76 % | 11.29 % | 73.00 % |
Q2 2013 | 1.85 % | 12.22 % | 71.10 % |
Q3 2013 | 1.92 % | 12.71 % | 69.01 % |
Q4 2013 | 1.84 % | 13.11 % | 67.69 % |
2013 | 1.84 % | 13.11 % | 67.69 % |
Q1 2014 | 1.79 % | 12.91 % | 67.50 % |
Q2 2014 | 1.74 % | 13.15 % | 67.78 % |
Q3 2014 | 1.72 % | 12.70 % | 67.40 % |
Q4 2014 | 1.65 % | 13.00 % | 66.73 % |
2014 | 1.65 % | 13.00 % | 66.73 % |
Q1 2015 | 1.69 % | 12.78 % | 66.59 % |
Q2 2015 | 1.66 % | 13.05 % | 66.59 % |
Q3 2015 | 1.63 % | 12.38 % | 67.95 % |
Q4 2015 | 1.42 % | 11.12 % | 68.94 % |
2015 | 1.42 % | 11.12 % | 68.94 % |
Q1 2016 | 1.25 % | 9.83 % | 69.95 % |
Q2 2016 | 1.18 % | 9.38 % | 70.34 % |
Q3 2016 | 1.05 % | 8.12 % | 70.26 % |
Q4 2016 | 1.13 % | 8.47 % | 69.50 % |
2016 | 1.13 % | 8.47 % | 69.50 % |
Q1 2017 | 1.24 % | 9.49 % | 70.58 % |
Q2 2017 | 1.27 % | 9.87 % | 71.99 % |
Q3 2017 | 1.40 % | 10.71 % | 71.95 % |
Q4 2017 | 1.51 % | 10.72 % | 76.77 % |
2017 | 1.51 % | 10.72 % | 76.77 % |
Q1 2018 | 1.51 % | 10.82 % | 78.76 % |
Q2 2018 | 1.40 % | 10.81 % | 81.50 % |
Q3 2018 | 1.42 % | 10.75 % | 84.73 % |
Q4 2018 | 0.61 % | 4.59 % | 84.33 % |
2018 | 0.61 % | 4.59 % | 84.33 % |
Q1 2019 | 0.55 % | 4.08 % | 84.46 % |
Q2 2019 | (0.11 %) | (0.91 %) | 84.22 % |
Q3 2019 | (0.15 %) | (1.18 %) | 81.93 % |
Q4 2019 | 0.24 % | 2.03 % | 80.83 % |
2019 | 0.24 % | 2.03 % | 80.83 % |
Q1 2020 | 0.11 % | 0.96 % | 80.44 % |
Q2 2020 | 0.65 % | 5.52 % | 80.75 % |
Q3 2020 | 0.66 % | 5.21 % | 81.48 % |
Q4 2020 | 0.98 % | 7.73 % | 81.57 % |
2020 | 0.98 % | 7.73 % | 81.57 % |
Q1 2021 | 1.06 % | 8.73 % | 82.57 % |
Q2 2021 | 1.05 % | 8.29 % | 81.58 % |
Q3 2021 | 1.05 % | 7.57 % | 83.64 % |
Q4 2021 | 1.05 % | 7.55 % | 85.30 % |
2021 | 1.05 % | 7.55 % | 85.45 % |
Q1 2022 | 1.10 % | 8.29 % | 84.46 % |
Q2 2022 | 1.12 % | 8.64 % | 85.86 % |
Q3 2022 | 1.40 % | 10.32 % | 86.19 % |
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
2012 | 1.64 % | 10.17 % | 72.14 % |
2013 | 1.84 % | 13.11 % | 67.69 % |
2014 | 1.65 % | 13.00 % | 66.73 % |
2015 | 1.42 % | 11.12 % | 68.94 % |
2016 | 1.13 % | 8.47 % | 69.50 % |
2017 | 1.51 % | 10.72 % | 76.77 % |
2018 | 0.61 % | 4.59 % | 84.33 % |
2019 | 0.24 % | 2.03 % | 80.83 % |
2020 | 0.98 % | 7.73 % | 81.57 % |
2021 | 1.05 % | 7.55 % | 85.45 % |
Ratios
Ratios
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
Q1 2013 | 69.76 % | 58.59 % | 83.99 % |
Q2 2013 | 72.85 % | 60.63 % | 83.23 % |
Q3 2013 | 73.22 % | 60.33 % | 82.40 % |
Q4 2013 | 70.87 % | 59.09 % | 83.39 % |
Q1 2014 | 75.00 % | 63.04 % | 84.06 % |
Q2 2014 | 76.91 % | 62.19 % | 80.86 % |
Q3 2014 | 76.96 % | 63.57 % | 82.61 % |
Q4 2014 | 75.55 % | 61.38 % | 81.25 % |
Q1 2015 | 76.46 % | 62.94 % | 82.32 % |
Q2 2015 | 76.18 % | 61.80 % | 81.12 % |
Q3 2015 | 74.02 % | 64.33 % | 86.91 % |
Q4 2015 | 75.36 % | 64.40 % | 85.47 % |
Q1 2016 | 73.33 % | 63.92 % | 87.17 % |
Q2 2016 | 70.96 % | 63.84 % | 89.96 % |
Q3 2016 | 69.08 % | 63.72 % | 92.24 % |
Q4 2016 | 70.55 % | 64.75 % | 91.79 % |
Q1 2017 | 67.70 % | 63.35 % | 93.56 % |
Q2 2017 | 68.70 % | 63.61 % | 92.59 % |
Q3 2017 | 72.27 % | 62.10 % | 85.93 % |
Q4 2017 | 71.37 % | 63.53 % | 89.01 % |
Q1 2018 | 66.68 % | 63.25 % | 94.86 % |
Q2 2018 | 69.93 % | 58.19 % | 83.21 % |
Q3 2018 | 67.07 % | 62.38 % | 93.01 % |
Q4 2018 | 66.30 % | 61.84 % | 93.28 % |
Q1 2019 | 67.30 % | 61.35 % | 91.15 % |
Q2 2019 | 68.23 % | 58.11 % | 85.16 % |
Q3 2019 | 67.46 % | 59.84 % | 88.71 % |
Q4 2019 | 68.50 % | 56.65 % | 82.70 % |
Q1 2020 | 67.10 % | 59.40 % | 88.52 % |
Q2 2020 | 61.41 % | 56.02 % | 91.22 % |
Q3 2020 | 60.85 % | 58.70 % | 96.46 % |
Q4 2020 | 60.21 % | 55.14 % | 91.57 % |
Q1 2021 | 58.30 % | 57.57 % | 98.75 % |
Q2 2021 | 60.78 % | 57.21 % | 94.12 % |
Q3 2021 | 61.11 % | 58.50 % | 95.73 % |
Q4 2021 | 60.51 % | 56.88 % | 94.00 % |
Q1 2022 | 62.56 % | 54.86 % | 87.69 % |
Q2 2022 | 60.88 % | 56.19 % | 92.30 % |
Q3 2022 | 63.46 % | 60.70 % | 95.65 % |
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
2012 | 68.42 % | 57.65 % | 84.26 % |
2013 | 70.87 % | 59.09 % | 83.39 % |
2014 | 75.55 % | 61.38 % | 81.25 % |
2015 | 75.36 % | 64.40 % | 85.47 % |
2016 | 70.55 % | 64.75 % | 91.79 % |
2017 | 71.37 % | 63.53 % | 89.01 % |
2018 | 66.30 % | 61.84 % | 93.28 % |
2019 | 68.50 % | 56.65 % | 82.70 % |
2020 | 60.21 % | 55.14 % | 91.57 % |
2021 | 60.51 % | 56.88 % | 94.00 % |
Per Share Data (Riyal)
Per Share Data (Riyal)
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
Q1 2013 | 1,250.00 | 0.81 | 0.81 | - | 7.46 |
Q2 2013 | 1,250.00 | 0.89 | 0.89 | - | 7.57 |
Q3 2013 | 1,250.00 | 0.96 | 0.96 | - | 7.91 |
Q4 2013 | 1,250.00 | 1.03 | 1.03 | - | 8.20 |
Q1 2014 | 1,250.00 | 1.05 | 0.87 | - | 8.78 |
Q2 2014 | 1,250.00 | 1.07 | 0.89 | - | 8.76 |
Q3 2014 | 1,250.00 | 1.11 | 0.93 | - | 9.58 |
Q4 2014 | 1,250.00 | 1.15 | 0.97 | - | 9.48 |
Q1 2015 | 1,250.00 | 1.17 | 1.17 | - | 9.57 |
Q2 2015 | 1,250.00 | 1.20 | 1.20 | - | 9.57 |
Q3 2015 | 1,250.00 | 1.18 | 1.18 | - | 9.50 |
Q4 2015 | 1,250.00 | 1.06 | 1.06 | - | 9.63 |
Q1 2016 | 1,250.00 | 0.94 | 0.94 | - | 9.49 |
Q2 2016 | 1,250.00 | 0.89 | 0.89 | - | 9.37 |
Q3 2016 | 1,250.00 | 0.78 | 0.78 | - | 9.79 |
Q4 2016 | 1,250.00 | 0.84 | 0.84 | - | 10.27 |
Q1 2017 | 1,250.00 | 0.95 | 0.95 | - | 10.53 |
Q2 2017 | 1,250.00 | 0.98 | 0.98 | - | 10.43 |
Q3 2017 | 1,250.00 | 1.09 | 1.09 | - | 10.55 |
Q4 2017 | 1,250.00 | 1.13 | 1.13 | - | 10.80 |
Q1 2018 | 1,250.00 | 1.13 | 1.13 | - | 10.35 |
Q2 2018 | 1,250.00 | 1.11 | 1.11 | - | 10.18 |
Q3 2018 | 1,250.00 | 1.10 | 1.10 | - | 10.00 |
Q4 2018 | 1,250.00 | 0.46 | 1.06 | - | 9.30 |
Q1 2019 | 1,250.00 | 0.41 | 1.01 | - | 9.68 |
Q2 2019 | 1,250.00 | (0.09) | 0.51 | - | 9.20 |
Q3 2019 | 1,250.00 | (0.12) | 0.49 | - | 9.57 |
Q4 2019 | 1,250.00 | 0.19 | 0.19 | - | 9.61 |
Q1 2020 | 1,250.00 | 0.09 | 0.09 | - | 8.39 |
Q2 2020 | 1,250.00 | 0.52 | 0.52 | - | 9.79 |
Q3 2020 | 1,250.00 | 0.52 | 0.50 | - | 10.25 |
Q4 2020 | 1,250.00 | 0.78 | 0.77 | - | 10.66 |
Q1 2021 | 1,250.00 | 0.83 | 0.82 | - | 10.71 |
Q2 2021 | 1,250.00 | 0.85 | 0.84 | - | 10.81 |
Q3 2021 | 1,250.00 | 0.83 | 0.83 | - | 11.75 |
Q4 2021 | 1,250.00 | 0.85 | 0.85 | - | 11.84 |
Q1 2022 | 1,250.00 | 0.91 | 0.91 | - | 11.21 |
Q2 2022 | 1,250.00 | 0.93 | 0.93 | - | 10.81 |
Q3 2022 | 1,250.00 | 1.15 | 1.15 | - | 10.63 |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
2012 | 1,250.00 | 0.73 | 0.73 | - | 7.50 |
2013 | 1,250.00 | 1.03 | 1.03 | - | 8.20 |
2014 | 1,250.00 | 1.15 | 0.97 | - | 9.48 |
2015 | 1,250.00 | 1.06 | 1.06 | - | 9.63 |
2016 | 1,250.00 | 0.84 | 0.84 | - | 10.27 |
2017 | 1,250.00 | 1.13 | 1.13 | - | 10.80 |
2018 | 1,250.00 | 0.46 | 1.06 | - | 9.30 |
2019 | 1,250.00 | 0.19 | 0.19 | - | 9.61 |
2020 | 1,250.00 | 0.78 | 0.77 | - | 10.66 |
2021 | 1,250.00 | 0.85 | 0.85 | - | 11.84 |
Multiple Ratios (End of Period Price)
Ratios And Multiples
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
Q1 2013 | 10.43 | 10.43 | 1.13 |
Q2 2013 | 11.70 | 11.70 | 1.37 |
Q3 2013 | 11.69 | 11.69 | 1.42 |
Q4 2013 | 13.26 | 13.26 | 1.66 |
Q1 2014 | 13.94 | 16.81 | 1.66 |
Q2 2014 | 12.42 | 14.91 | 1.52 |
Q3 2014 | 14.38 | 17.14 | 1.67 |
Q4 2014 | 11.70 | 13.86 | 1.42 |
Q1 2015 | 10.61 | 10.61 | 1.30 |
Q2 2015 | 9.86 | 9.86 | 1.23 |
Q3 2015 | 8.91 | 8.91 | 1.11 |
Q4 2015 | 8.41 | 8.41 | 0.93 |
Q1 2016 | 8.70 | 8.70 | 0.86 |
Q2 2016 | 8.00 | 8.00 | 0.76 |
Q3 2016 | 7.29 | 7.29 | 0.58 |
Q4 2016 | 10.08 | 10.08 | 0.83 |
Q1 2017 | 8.18 | 8.18 | 0.74 |
Q2 2017 | 7.99 | 7.99 | 0.75 |
Q3 2017 | 8.28 | 8.28 | 0.85 |
Q4 2017 | 8.02 | 8.02 | 0.84 |
Q1 2018 | 8.23 | 8.23 | 0.90 |
Q2 2018 | 9.75 | 9.75 | 1.07 |
Q3 2018 | 10.05 | 10.05 | 1.11 |
Q4 2018 | 22.31 | 9.69 | 1.11 |
Q1 2019 | 27.50 | 11.14 | 1.16 |
Q2 2019 | NEG | 22.45 | 1.25 |
Q3 2019 | NEG | 19.50 | 0.99 |
Q4 2019 | More than 100 | More than 100 | 1.13 |
Q1 2020 | More than 100 | More than 100 | 0.89 |
Q2 2020 | 14.92 | 14.92 | 0.80 |
Q3 2020 | 18.38 | 18.95 | 0.93 |
Q4 2020 | 12.26 | 12.50 | 0.90 |
Q1 2021 | 11.92 | 12.15 | 0.93 |
Q2 2021 | 11.92 | 12.14 | 0.94 |
Q3 2021 | 12.23 | 12.23 | 0.87 |
Q4 2021 | 13.83 | 13.83 | 0.99 |
Q1 2022 | 16.00 | 16.00 | 1.30 |
Q2 2022 | 16.69 | 16.69 | 1.44 |
Q3 2022 | 11.83 | 11.83 | 1.28 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
2012 | 11.80 | 11.80 | 1.15 |
2013 | 13.26 | 13.26 | 1.66 |
2014 | 11.70 | 13.86 | 1.42 |
2015 | 8.41 | 8.41 | 0.93 |
2016 | 10.08 | 10.08 | 0.83 |
2017 | 8.02 | 8.02 | 0.84 |
2018 | 22.31 | 9.69 | 1.11 |
2019 | More than 100 | More than 100 | 1.13 |
2020 | 12.26 | 12.50 | 0.90 |
2021 | 13.83 | 13.83 | 0.99 |
Business Segments (Million)
Q3 2022
Revenue by Business Segment (Latest) 2022 Q3
2022
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Brokerage and Asset Management | Joint Projects | Others |
---|---|---|---|---|---|---|
Q1 2013 | 174.07 | 154.75 | 143.85 | 32.71 | - | - |
Q2 2013 | 154.10 | 171.26 | 169.87 | 23.44 | - | - |
Q3 2013 | 188.69 | 117.81 | 173.46 | 21.46 | - | - |
Q4 2013 | 161.33 | 161.54 | 146.73 | 21.60 | - | - |
Q1 2014 | 186.89 | 196.13 | 342.87 | 31.42 | - | - |
Q2 2014 | 218.89 | 198.35 | 98.34 | 35.18 | - | - |
Q3 2014 | 222.61 | 196.14 | 123.01 | 34.37 | - | - |
Q4 2014 | 294.50 | 237.12 | 84.60 | 30.78 | - | - |
Q1 2015 | 221.00 | 259.25 | 140.23 | 38.90 | 2.14 | (9.28) |
Q2 2015 | 185.47 | 306.77 | 131.29 | 34.83 | (6.63) | (11.25) |
Q3 2015 | 261.74 | 220.97 | 230.40 | 24.55 | (1.83) | (132.66) |
Q4 2015 | 240.10 | 172.33 | 260.22 | 22.59 | (4.09) | (75.97) |
Q1 2016 | 234.59 | 154.29 | 229.81 | 22.08 | (10.90) | (39.12) |
Q2 2016 | 309.09 | 306.12 | 57.15 | 21.02 | (13.03) | (68.16) |
Q3 2016 | 275.32 | 323.22 | 131.85 | 18.63 | (15.62) | (100.27) |
Q4 2016 | 183.70 | 330.18 | 101.96 | 26.32 | (15.41) | (56.96) |
Q1 2017 | 262.95 | 282.64 | 97.03 | 27.53 | - | (45.19) |
Q2 2017 | 274.68 | 266.84 | 160.26 | 17.35 | - | (63.28) |
Q3 2017 | 415.47 | 269.68 | 33.74 | 18.20 | - | (35.44) |
Q4 2017 | 218.31 | 251.89 | 171.57 | 23.20 | - | 12.48 |
Q1 2018 | 256.17 | 286.34 | 172.58 | 26.04 | - | (54.81) |
Q2 2018 | 283.77 | 296.45 | 222.21 | 21.98 | - | (153.32) |
Q3 2018 | 293.95 | 217.68 | 125.53 | 17.18 | - | 46.25 |
Q4 2018 | 423.85 | 323.97 | (92.49) | 17.57 | - | (18.16) |
Q1 2019 | 202.88 | 328.29 | 201.57 | 17.64 | - | (48.19) |
Q2 2019 | 187.95 | 318.05 | 171.84 | 21.55 | - | (36.28) |
Q3 2019 | 196.85 | 355.42 | 209.49 | 38.99 | - | (61.39) |
Q4 2019 | 175.63 | 360.63 | 143.54 | 27.14 | - | 6.65 |
Q1 2020 | 208.37 | 325.20 | 223.11 | 29.03 | - | (67.98) |
Q2 2020 | 310.69 | 260.25 | 153.19 | 33.87 | - | (44.70) |
Q3 2020 | 220.83 | 279.23 | 322.63 | 45.89 | - | (143.66) |
Q4 2020 | 192.40 | 241.06 | 223.07 | 56.03 | - | (22.35) |
Q1 2021 | 197.33 | 197.37 | 247.38 | 64.57 | - | (71.57) |
Q2 2021 | 205.80 | 227.19 | 222.04 | 57.76 | - | 7.89 |
Q3 2021 | 182.21 | 188.47 | 307.63 | 44.14 | - | (48.87) |
Q4 2021 | 261.68 | 225.04 | 236.95 | 44.51 | - | (44.48) |
Q1 2022 | 229.86 | 246.32 | 219.57 | 62.37 | - | (40.97) |
Q2 2022 | 299.57 | 273.20 | 214.89 | 44.26 | - | (59.46) |
Q3 2022 | 307.33 | 355.81 | 207.65 | 42.22 | - | (54.80) |
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Brokerage and Asset Management | Joint Projects | Others |
---|---|---|---|---|---|---|
2012 | 687.71 | 620.59 | 324.44 | 88.87 | - | - |
2013 | 678.19 | 605.35 | 633.91 | 99.21 | - | - |
2014 | 922.89 | 827.74 | 648.82 | 131.73 | - | - |
2015 | 908.31 | 959.33 | 762.14 | 120.86 | (10.42) | (229.16) |
2016 | 1,002.71 | 1,113.80 | 520.77 | 88.05 | (54.95) | (264.51) |
2017 | 1,171.41 | 1,071.04 | 462.60 | 86.27 | - | (131.44) |
2018 | 1,257.74 | 1,124.44 | 427.82 | 82.77 | - | (180.04) |
2019 | 763.30 | 1,362.38 | 726.44 | 105.32 | - | (139.20) |
2020 | 932.28 | 1,105.73 | 922.00 | 164.81 | - | (278.69) |
2021 | 847.02 | 838.08 | 1,014.00 | 210.98 | - | (157.03) |
Analysts Estimates (Million)
Analysts Estimates (Million)
Item | Q3 2022 (e) | Q3 2022 (a) | Change |
---|---|---|---|
Average | 338.38 | 549.97 | 62.53 % |
Estimates vs Actual (Million)
Estimates Accuracy
Item | Q3 2022 (e) | Q3 2022 (a) | Change |
---|---|---|---|
Hermes | 339.00 | 549.97 | 62.2 % |
OSOOL AND BAKHEET | 337.75 | 549.97 | 62.8 % |
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