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- 2286 - FOURTH MILLING
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- 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
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Saudi National Bank (SNB) reported a 10% increase in H1 2023 net profit to SAR 10.03 billion from SAR 9.09 billion in the year-ago period.
Basic earnings per share (EPS) and diluted EPS for the current and the previous years stood at SAR 1.62 per share and SAR 1.49 per share, respectively. It is calculated by dividing the net income attributable to the bank's common equity holders (adjusted for Tier 1 Sukuk cost) for the periods by the weighted average number of outstanding shares amounting to 5.95 billion ( 5.94 billion in 2022).
Financials (M)
Item | 6m 2022 | 6m 2023 | Change |
---|---|---|---|
Net Special Commission Income | 12,932.36 | 13,302.48 | 2.9 % |
Operating Income | 16,438.07 | 17,227.96 | 4.8 % |
Total Provisions | (978.44) | (556.94) | 43.1 % |
Net Income | 9,090.70 | 10,037.10 | 10.4 % |
Average Shares | 6,000.00 | 6,000.00 | - |
EPS (Riyals) | 1.52 | 1.67 | 10.4 % |
EPS Diluted (Riyals) | 1.49 | 1.62 | 8.7 % |
The bank reported a 10.4% growth year-on-year (YoY) in net income attributable to equity holders, driven by higher operating income and lower operating expenses, including net impairment charge for expected credit losses.
Gross operating income increased by 4.8% YoY, mainly from higher net special commission income, fees from banking services, foreign exchange income and investment income despite partially offset by higher other operating expenses.
Gross operating expenses, including net impairment charge for expected credit losses, were lower by 5.9% YoY amid lower net impairment charge for expected credit losses.
Credit losses provision fell 42% YoY to SAR 569 million from SAR 978 million a year earlier.
Current Quarter Comparison (M)
Item | Q2 2022 | Q2 2023 | Change |
---|---|---|---|
Net Special Commission Income | 6,823.91 | 6,521.82 | (4.4 %) |
Operating Income | 8,345.18 | 8,494.37 | 1.8 % |
Debt Provisions | (592.20) | (66.10) | 88.8 % |
Net Income | 4,589.12 | 5,015.56 | 9.3 % |
Average Shares | 6,000.00 | 6,000.00 | - |
EPS (Riyals) | 0.76 | 0.84 | 9.3 % |
EPS Diluted (Riyal) | 0.76 | 0.81 | 7.3 % |
Item | Q1 2023 | Q2 2023 | Change |
---|---|---|---|
Net Special Commission Income | 6,780.66 | 6,521.82 | (3.8 %) |
Operating Income | 8,733.59 | 8,494.37 | (2.7 %) |
Debt Provisions | (490.84) | (66.10) | 86.5 % |
Net Income | 5,021.54 | 5,015.56 | (0.1 %) |
Average Shares | 6,000.00 | 6,000.00 | - |
EPS (Riyals) | 0.84 | 0.84 | (0.1 %) |
EPS Diluted (Riyal) | 0.81 | 0.81 | 1.0 % |
The second-quarter net profit rose 9.3% to SAR 5.01 billion from SAR 4.58 billion in Q2 2022. However, the earnings fell slightly from SAR 5.02 billion in Q1 2023.
Balance Sheet (B)
Item | 6m 2022 | 6m 2023 | Change |
---|---|---|---|
Assets | 958.47 | 996.20 | 3.9 % |
Customer Deposits | 593.01 | 602.21 | 1.6 % |
Loan | 536.19 | 577.85 | 7.8 % |
Total shareholders’ equity, including Sukuk, stood at SAR 170.17 billion as of June 30, 2023, from SAR 160.98 billion a year earlier.
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
The Saudi National Bank (SNB)
Current | |
Market Cap (M Riyal) | 198,600.00 |
Shares Outstanding ((M)) | 6,000.00 |
EPS ( Riyal) (TTM) | 3.43 |
EPS Diluted ( Riyal) (TTM) | 3.34 |
Book Value (BV) ( Riyal) | 27.98 |
Par Value ( Riyal) | 10.00 |
Adjusted P/E (Last12) | 9.64 |
P/E (TTM) | 9.64 |
Price/book | 1.18 |
Return on Average Assets (%) (TTM) | 1.9 |
Return on Average Equity (%) (TTM) | 12.8 |
Financial results (Million)
Financial results (Million)
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
Q1 2014 | 2,708.28 | 6.9 % | 3,864.29 | (5.0 %) | (205.65) | 20.9 % |
Q2 2014 | 2,842.93 | 11.7 % | 4,214.98 | 13.9 % | 91.77 | 158.8 % |
Q3 2014 | 2,790.58 | 17.6 % | 4,114.35 | 20.2 % | (400.86) | (100.8 %) |
Q4 2014 | 3,062.34 | 15.8 % | 4,053.41 | 10.5 % | (480.72) | (167.3 %) |
2014 | 11,404.13 | 13.0 % | 16,247.03 | 9.4 % | (995.46) | (25.2 %) |
Q1 2015 | 3,033.56 | 12.0 % | 4,447.54 | 15.1 % | (218.33) | (6.2 %) |
Q2 2015 | 3,122.72 | 9.8 % | 4,282.93 | 1.6 % | (278.85) | (403.9 %) |
Q3 2015 | 3,255.60 | 16.7 % | 4,312.86 | 4.8 % | (713.13) | (77.9 %) |
Q4 2015 | 3,169.96 | 3.5 % | 4,442.37 | 9.6 % | (390.05) | 18.9 % |
2015 | 12,581.83 | 10.3 % | 17,485.69 | 7.6 % | (1,600.35) | (60.8 %) |
Q1 2016 | 3,435.82 | 13.3 % | 4,723.97 | 6.2 % | (346.63) | (58.8 %) |
Q2 2016 | 3,348.18 | 7.2 % | 4,660.25 | 8.8 % | (381.30) | (36.7 %) |
Q3 2016 | 3,441.72 | 5.7 % | 4,662.80 | 8.1 % | (839.11) | (17.7 %) |
Q4 2016 | 3,323.86 | 4.9 % | 4,600.36 | 3.6 % | (363.93) | 6.7 % |
2016 | 13,549.58 | 7.7 % | 18,647.38 | 6.6 % | (1,930.97) | (20.7 %) |
Q1 2017 | 3,359.46 | (2.2 %) | 4,859.82 | 2.9 % | (421.98) | (21.7 %) |
Q2 2017 | 3,472.91 | 3.7 % | 4,478.34 | (3.9 %) | (477.71) | (25.3 %) |
Q3 2017 | 3,453.44 | 0.3 % | 4,491.53 | (3.7 %) | (707.21) | 15.7 % |
Q4 2017 | 3,375.17 | 1.5 % | 4,515.54 | (1.8 %) | (285.96) | 21.4 % |
2017 | 13,660.98 | 0.8 % | 18,345.23 | (1.6 %) | (1,892.86) | 2.0 % |
Q1 2018 | 3,418.57 | 1.8 % | 4,779.24 | (1.7 %) | 2.34 | 100.6 % |
Q2 2018 | 3,573.43 | 2.9 % | 4,660.55 | 4.1 % | (335.31) | 29.8 % |
Q3 2018 | 3,637.42 | 5.3 % | 4,731.60 | 5.3 % | (610.35) | 13.7 % |
Q4 2018 | 4,493.72 | 33.1 % | 4,755.83 | 5.3 % | (403.75) | (41.2 %) |
2018 | 15,123.14 | 10.7 % | 18,927.22 | 3.2 % | (1,347.07) | 28.8 % |
Q1 2019 | 3,754.08 | 9.8 % | 4,950.81 | 3.6 % | (145.33) | (6323.9 %) |
Q2 2019 | 3,907.43 | 9.3 % | 5,050.41 | 8.4 % | (324.74) | 3.2 % |
Q3 2019 | 3,872.62 | 6.5 % | 4,996.53 | 5.6 % | (662.64) | (8.6 %) |
Q4 2019 | 4,848.32 | 7.9 % | 5,576.93 | 17.3 % | (287.23) | 28.9 % |
2019 | 16,382.45 | 8.3 % | 20,574.68 | 8.7 % | (1,447.16) | (7.4 %) |
Q1 2020 | 4,157.22 | 10.7 % | 5,305.26 | 7.2 % | (396.09) | (172.6 %) |
Q2 2020 | 3,957.52 | 1.3 % | 4,765.75 | (5.6 %) | (827.95) | (155.0 %) |
Q3 2020 | 4,197.76 | 8.4 % | 5,637.61 | 12.8 % | (378.85) | 42.8 % |
Q4 2020 | 4,372.15 | (9.8 %) | 5,749.32 | 3.1 % | (348.00) | (21.2 %) |
2020 | 16,684.66 | 1.8 % | 21,457.93 | 4.3 % | (1,949.69) | (34.7 %) |
Q1 2021 | 4,178.08 | 0.5 % | 5,719.31 | 7.8 % | (286.37) | 27.7 % |
Q2 2021 | 5,888.35 | 48.8 % | 7,587.82 | 59.2 % | (2,414.67) | (191.6 %) |
Q3 2021 | 6,205.90 | 47.8 % | 7,874.43 | 39.7 % | (732.08) | (93.2 %) |
Q4 2021 | 5,935.26 | 35.8 % | 7,054.16 | 22.7 % | (527.75) | (51.7 %) |
2021 | 22,207.59 | 33.1 % | 28,235.72 | 31.6 % | (4,022.73) | (106.3 %) |
Q1 2022 | 6,108.44 | 46.2 % | 8,092.89 | 41.5 % | (386.25) | (34.9 %) |
Q2 2022 | 6,823.91 | 15.9 % | 8,345.18 | 10.0 % | (592.20) | 75.5 % |
Q3 2022 | 6,577.80 | 6.0 % | 8,447.82 | 7.3 % | (540.55) | 26.2 % |
Q4 2022 | 6,777.04 | 14.2 % | 8,118.66 | 15.1 % | (166.50) | 68.5 % |
2022 | 26,287.20 | 18.4 % | 33,004.55 | 16.9 % | (1,685.48) | 58.1 % |
Q1 2023 | 6,780.66 | 11.0 % | 8,733.59 | 7.9 % | (490.84) | (27.1 %) |
Q2 2023 | 6,521.82 | (4.4 %) | 8,494.37 | 1.8 % | (66.10) | 88.8 % |
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
2013 | 10,096.20 | 12.7 % | 14,857.52 | 10.0 % | (795.35) | 44.6 % |
2014 | 11,404.13 | 13.0 % | 16,247.03 | 9.4 % | (995.46) | (25.2 %) |
2015 | 12,581.83 | 10.3 % | 17,485.69 | 7.6 % | (1,600.35) | (60.8 %) |
2016 | 13,549.58 | 7.7 % | 18,647.38 | 6.6 % | (1,930.97) | (20.7 %) |
2017 | 13,660.98 | 0.8 % | 18,345.23 | (1.6 %) | (1,892.86) | 2.0 % |
2018 | 15,123.14 | 10.7 % | 18,927.22 | 3.2 % | (1,347.07) | 28.8 % |
2019 | 16,382.45 | 8.3 % | 20,574.68 | 8.7 % | (1,447.16) | (7.4 %) |
2020 | 16,684.66 | 1.8 % | 21,457.93 | 4.3 % | (1,949.69) | (34.7 %) |
2021 | 22,207.59 | 33.1 % | 28,235.72 | 31.6 % | (4,022.73) | (106.3 %) |
2022 | 26,287.20 | 18.4 % | 33,004.55 | 16.9 % | (1,685.48) | 58.1 % |
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 2014 | 2,535.31 | 8.7 % | 0.63 | - | 2,535.31 | 0.63 |
Q2 2014 | 2,425.41 | 21.8 % | 0.60 | - | 2,425.41 | 0.60 |
Q3 2014 | 1,869.11 | 7.8 % | 0.46 | - | 1,869.11 | 0.46 |
Q4 2014 | 1,825.33 | 1.7 % | 0.45 | - | 1,825.33 | 0.45 |
2014 | 8,655.15 | 10.2 % | 2.15 | - | 8,655.15 | 2.15 |
Q1 2015 | 2,605.57 | 2.8 % | 0.65 | - | 2,605.57 | 0.65 |
Q2 2015 | 2,362.92 | (2.6 %) | 0.59 | - | 2,362.92 | 0.59 |
Q3 2015 | 1,994.14 | 6.7 % | 0.50 | - | 1,994.14 | 0.50 |
Q4 2015 | 2,126.56 | 16.5 % | 0.53 | - | 2,126.56 | 0.53 |
2015 | 9,089.18 | 5.0 % | 2.26 | - | 9,089.18 | 2.26 |
Q1 2016 | 2,630.81 | 1.0 % | 0.65 | - | 2,630.81 | 0.65 |
Q2 2016 | 2,437.54 | 3.2 % | 0.61 | - | 2,437.54 | 0.61 |
Q3 2016 | 1,961.78 | (1.6 %) | 0.49 | - | 1,961.78 | 0.49 |
Q4 2016 | 2,286.72 | 7.5 % | 0.57 | - | 2,286.72 | 0.57 |
2016 | 9,316.86 | 2.5 % | 2.32 | - | 9,316.86 | 2.32 |
Q1 2017 | 2,702.56 | 2.7 % | 0.67 | - | 2,702.56 | 0.67 |
Q2 2017 | 2,417.42 | (0.8 %) | 0.60 | - | 2,417.42 | 0.60 |
Q3 2017 | 2,125.61 | 8.4 % | 0.53 | - | 2,125.61 | 0.53 |
Q4 2017 | 2,556.39 | 11.8 % | 0.64 | - | 2,556.39 | 0.64 |
2017 | 9,801.98 | 5.2 % | 2.44 | - | 9,801.98 | 2.44 |
Q1 2018 | 2,592.19 | (4.1 %) | 0.64 | - | 2,592.19 | 0.64 |
Q2 2018 | 2,166.35 | (10.4 %) | 0.54 | - | 2,166.35 | 0.54 |
Q3 2018 | 2,120.36 | (0.2 %) | 0.53 | - | 2,120.36 | 0.53 |
Q4 2018 | 2,705.58 | 5.8 % | 0.67 | - | 2,705.58 | 0.67 |
2018 | 9,593.95 | (2.1 %) | 2.39 | - | 9,593.95 | 2.39 |
Q1 2019 | 2,775.54 | 7.1 % | 0.69 | - | 2,775.54 | 0.69 |
Q2 2019 | 2,685.59 | 24.0 % | 0.67 | - | 2,685.59 | 0.67 |
Q3 2019 | 2,550.70 | 20.3 % | 0.63 | - | 2,550.70 | 0.63 |
Q4 2019 | 3,389.61 | 25.3 % | 0.84 | - | 3,389.61 | 0.84 |
2019 | 11,401.44 | 18.8 % | 2.84 | - | 11,401.44 | 2.84 |
Q1 2020 | 2,834.20 | 2.1 % | 0.71 | - | 2,834.20 | 0.71 |
Q2 2020 | 2,087.73 | (22.3 %) | 0.52 | - | 2,087.73 | 0.52 |
Q3 2020 | 3,158.40 | 23.8 % | 0.79 | - | 3,158.40 | 0.79 |
Q4 2020 | 3,359.77 | (0.9 %) | 0.84 | - | 3,359.77 | 0.84 |
2020 | 11,440.10 | 0.3 % | 2.85 | - | 11,440.10 | 2.85 |
Q1 2021 | 3,408.47 | 20.3 % | 0.62 | - | 3,408.47 | 0.62 |
Q2 2021 | 2,315.88 | 10.9 % | 0.42 | (42.00) | 2,357.88 | 0.43 |
Q3 2021 | 3,980.27 | 26.0 % | 0.72 | (31.00) | 4,011.27 | 0.73 |
Q4 2021 | 2,963.56 | (11.8 %) | 0.54 | (90.00) | 3,053.56 | 0.55 |
2021 | 12,668.18 | 10.7 % | 2.30 | (163.00) | 12,831.18 | 2.33 |
Q1 2022 | 4,501.58 | 32.1 % | 0.75 | - | 4,501.58 | 0.75 |
Q2 2022 | 4,589.12 | 98.2 % | 0.76 | - | 4,589.12 | 0.76 |
Q3 2022 | 4,724.56 | 18.7 % | 0.79 | - | 4,724.56 | 0.79 |
Q4 2022 | 4,765.43 | 60.8 % | 0.79 | - | 4,765.43 | 0.79 |
2022 | 18,580.69 | 46.7 % | 3.10 | - | 18,580.69 | 3.10 |
Q1 2023 | 5,021.54 | 11.6 % | 0.84 | - | 5,021.54 | 0.84 |
Q2 2023 | 5,015.56 | 9.3 % | 0.84 | - | 5,015.56 | 0.84 |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
2013 | 7,852.20 | 21.7 % | 1.95 | - | 7,852.20 | 1.95 |
2014 | 8,655.15 | 10.2 % | 2.15 | - | 8,655.15 | 2.15 |
2015 | 9,089.18 | 5.0 % | 2.26 | - | 9,089.18 | 2.26 |
2016 | 9,316.86 | 2.5 % | 2.32 | - | 9,316.86 | 2.32 |
2017 | 9,801.98 | 5.2 % | 2.44 | - | 9,801.98 | 2.44 |
2018 | 9,593.95 | (2.1 %) | 2.39 | - | 9,593.95 | 2.39 |
2019 | 11,401.44 | 18.8 % | 2.84 | - | 11,401.44 | 2.84 |
2020 | 11,440.10 | 0.3 % | 2.85 | - | 11,440.10 | 2.85 |
2021 | 12,668.18 | 10.7 % | 2.30 | (163.00) | 12,831.18 | 2.33 |
2022 | 18,580.69 | 46.7 % | 3.10 | - | 18,580.69 | 3.10 |
Balance Sheet (B)
Balance Sheet Performance (B)
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
Q1 2014 | 420.37 | 17.4 % | 333.07 | 20.4 % | 197.39 | 15.7 % |
Q2 2014 | 435.53 | 20.0 % | 345.60 | 20.0 % | 206.19 | 15.7 % |
Q3 2014 | 437.91 | 19.3 % | 343.94 | 16.7 % | 213.53 | 15.8 % |
Q4 2014 | 434.88 | 15.3 % | 333.10 | 10.8 % | 220.72 | 17.6 % |
Q1 2015 | 449.80 | 7.0 % | 342.85 | 2.9 % | 227.13 | 15.1 % |
Q2 2015 | 461.41 | 5.9 % | 360.98 | 4.5 % | 234.28 | 13.6 % |
Q3 2015 | 476.83 | 8.9 % | 367.37 | 6.8 % | 238.60 | 11.7 % |
Q4 2015 | 448.64 | 3.2 % | 323.87 | (2.8 %) | 252.94 | 14.6 % |
Q1 2016 | 452.00 | 0.5 % | 326.03 | (4.9 %) | 265.34 | 16.8 % |
Q2 2016 | 452.61 | (1.9 %) | 314.71 | (12.8 %) | 264.77 | 13.0 % |
Q3 2016 | 438.76 | (8.0 %) | 311.23 | (15.3 %) | 259.92 | 8.9 % |
Q4 2016 | 442.66 | (1.3 %) | 315.62 | (2.5 %) | 253.59 | 0.3 % |
Q1 2017 | 449.00 | (0.7 %) | 313.65 | (3.8 %) | 254.20 | (4.2 %) |
Q2 2017 | 450.49 | (0.5 %) | 314.69 | 0.0 % | 256.90 | (3.0 %) |
Q3 2017 | 446.19 | 1.7 % | 302.59 | (2.8 %) | 256.85 | (1.2 %) |
Q4 2017 | 444.79 | 0.5 % | 308.94 | (2.1 %) | 249.23 | (1.7 %) |
Q1 2018 | 438.90 | (2.2 %) | 309.00 | (1.5 %) | 252.78 | (0.6 %) |
Q2 2018 | 455.73 | 1.2 % | 317.65 | 0.9 % | 266.04 | 3.6 % |
Q3 2018 | 460.83 | 3.3 % | 325.46 | 7.6 % | 268.25 | 4.4 % |
Q4 2018 | 452.18 | 1.7 % | 318.70 | 3.2 % | 265.06 | 6.4 % |
Q1 2019 | 464.91 | 5.9 % | 309.68 | 0.2 % | 267.22 | 5.7 % |
Q2 2019 | 476.59 | 4.6 % | 327.44 | 3.1 % | 274.83 | 3.3 % |
Q3 2019 | 496.59 | 7.8 % | 340.38 | 4.6 % | 279.07 | 4.0 % |
Q4 2019 | 506.82 | 12.1 % | 353.39 | 10.9 % | 281.84 | 6.3 % |
Q1 2020 | 534.56 | 15.0 % | 375.05 | 21.1 % | 304.77 | 14.1 % |
Q2 2020 | 556.86 | 16.8 % | 380.40 | 16.2 % | 315.84 | 14.9 % |
Q3 2020 | 576.63 | 16.1 % | 408.47 | 20.0 % | 336.41 | 20.5 % |
Q4 2020 | 599.44 | 18.3 % | 416.42 | 17.8 % | 346.71 | 23.0 % |
Q1 2021 | 599.57 | 12.2 % | 419.43 | 11.8 % | 356.72 | 17.0 % |
Q2 2021 | 897.36 | 61.1 % | 588.13 | 54.6 % | 501.80 | 58.9 % |
Q3 2021 | 903.85 | 56.7 % | 589.19 | 44.2 % | 502.48 | 49.4 % |
Q4 2021 | 914.15 | 52.5 % | 588.57 | 41.3 % | 497.57 | 43.5 % |
Q1 2022 | 921.56 | 53.7 % | 606.72 | 44.7 % | 514.63 | 44.3 % |
Q2 2022 | 958.47 | 6.8 % | 593.01 | 0.8 % | 536.19 | 6.9 % |
Q3 2022 | 964.42 | 6.7 % | 596.89 | 1.3 % | 536.18 | 6.7 % |
Q4 2022 | 945.50 | 3.4 % | 568.28 | (3.4 %) | 545.31 | 9.6 % |
Q1 2023 | 976.06 | 5.9 % | 610.79 | 0.7 % | 566.34 | 10.0 % |
Q2 2023 | 996.20 | 3.9 % | 602.21 | 1.6 % | 577.85 | 7.8 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
3m 2014 | 420.37 | 17.4 % | 333.07 | 20.4 % | 197.39 | 15.7 % |
6m 2014 | 435.53 | 20.0 % | 345.60 | 20.0 % | 206.19 | 15.7 % |
9m 2014 | 437.91 | 19.3 % | 343.94 | 16.7 % | 213.53 | 15.8 % |
12m 2014 | 434.88 | 15.3 % | 333.10 | 10.8 % | 220.72 | 17.6 % |
3m 2015 | 449.80 | 7.0 % | 342.85 | 2.9 % | 227.13 | 15.1 % |
6m 2015 | 461.41 | 5.9 % | 360.98 | 4.5 % | 234.28 | 13.6 % |
9m 2015 | 476.83 | 8.9 % | 367.37 | 6.8 % | 238.60 | 11.7 % |
12m 2015 | 448.64 | 3.2 % | 323.87 | (2.8 %) | 252.94 | 14.6 % |
3m 2016 | 452.00 | 0.5 % | 326.03 | (4.9 %) | 265.34 | 16.8 % |
6m 2016 | 452.61 | (1.9 %) | 314.71 | (12.8 %) | 264.77 | 13.0 % |
9m 2016 | 438.76 | (8.0 %) | 311.23 | (15.3 %) | 259.92 | 8.9 % |
12m 2016 | 442.66 | (1.3 %) | 315.62 | (2.5 %) | 253.59 | 0.3 % |
3m 2017 | 449.00 | (0.7 %) | 313.65 | (3.8 %) | 254.20 | (4.2 %) |
6m 2017 | 450.49 | (0.5 %) | 314.69 | 0.0 % | 256.90 | (3.0 %) |
9m 2017 | 446.19 | 1.7 % | 302.59 | (2.8 %) | 256.85 | (1.2 %) |
12m 2017 | 444.79 | 0.5 % | 308.94 | (2.1 %) | 249.23 | (1.7 %) |
3m 2018 | 438.90 | (2.2 %) | 309.00 | (1.5 %) | 252.78 | (0.6 %) |
6m 2018 | 455.73 | 1.2 % | 317.65 | 0.9 % | 266.04 | 3.6 % |
9m 2018 | 460.83 | 3.3 % | 325.46 | 7.6 % | 268.25 | 4.4 % |
12m 2018 | 452.18 | 1.7 % | 318.70 | 3.2 % | 265.06 | 6.4 % |
3m 2019 | 464.91 | 5.9 % | 309.68 | 0.2 % | 267.22 | 5.7 % |
6m 2019 | 476.59 | 4.6 % | 327.44 | 3.1 % | 274.83 | 3.3 % |
9m 2019 | 496.59 | 7.8 % | 340.38 | 4.6 % | 279.07 | 4.0 % |
12m 2019 | 506.82 | 12.1 % | 353.39 | 10.9 % | 281.84 | 6.3 % |
3m 2020 | 534.56 | 15.0 % | 375.05 | 21.1 % | 304.77 | 14.1 % |
6m 2020 | 556.86 | 16.8 % | 380.40 | 16.2 % | 315.84 | 14.9 % |
9m 2020 | 576.63 | 16.1 % | 408.47 | 20.0 % | 336.41 | 20.5 % |
12m 2020 | 599.44 | 18.3 % | 416.42 | 17.8 % | 346.71 | 23.0 % |
3m 2021 | 599.57 | 12.2 % | 419.43 | 11.8 % | 356.72 | 17.0 % |
6m 2021 | 897.36 | 61.1 % | 588.13 | 54.6 % | 501.80 | 58.9 % |
9m 2021 | 903.85 | 56.7 % | 589.19 | 44.2 % | 502.48 | 49.4 % |
12m 2021 | 914.15 | 52.5 % | 588.57 | 41.3 % | 497.57 | 43.5 % |
3m 2022 | 921.56 | 53.7 % | 606.72 | 44.7 % | 514.63 | 44.3 % |
6m 2022 | 958.47 | 6.8 % | 593.01 | 0.8 % | 536.19 | 6.9 % |
9m 2022 | 964.42 | 6.7 % | 596.89 | 1.3 % | 536.18 | 6.7 % |
12m 2022 | 945.50 | 3.4 % | 568.28 | (3.4 %) | 545.31 | 9.6 % |
3m 2023 | 976.06 | 5.9 % | 610.79 | 0.7 % | 566.34 | 10.0 % |
6m 2023 | 996.20 | 3.9 % | 602.21 | 1.6 % | 577.85 | 7.8 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
2013 | 377.29 | 9.3 % | 300.60 | 9.9 % | 187.69 | 14.8 % |
2014 | 434.88 | 15.3 % | 333.10 | 10.8 % | 220.72 | 17.6 % |
2015 | 448.64 | 3.2 % | 323.87 | (2.8 %) | 252.94 | 14.6 % |
2016 | 442.66 | (1.3 %) | 315.62 | (2.5 %) | 253.59 | 0.3 % |
2017 | 444.79 | 0.5 % | 308.94 | (2.1 %) | 249.23 | (1.7 %) |
2018 | 452.18 | 1.7 % | 318.70 | 3.2 % | 265.06 | 6.4 % |
2019 | 506.82 | 12.1 % | 353.39 | 10.9 % | 281.84 | 6.3 % |
2020 | 599.44 | 18.3 % | 416.42 | 17.8 % | 346.71 | 23.0 % |
2021 | 914.15 | 52.5 % | 588.57 | 41.3 % | 497.57 | 43.5 % |
2022 | 945.50 | 3.4 % | 568.28 | (3.4 %) | 545.31 | 9.6 % |
Profitability
Profitability
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
Q1 2014 | 2.07 % | 19.96 % | 70.08 % |
Q2 2014 | 2.13 % | 20.09 % | 69.66 % |
Q3 2014 | 2.14 % | 20.33 % | 69.25 % |
Q4 2014 | 2.13 % | 20.09 % | 70.19 % |
2014 | 2.13 % | 20.09 % | 70.19 % |
Q1 2015 | 2.01 % | 19.45 % | 69.69 % |
Q2 2015 | 1.93 % | 18.71 % | 71.07 % |
Q3 2015 | 1.92 % | 19.01 % | 72.96 % |
Q4 2015 | 2.06 % | 19.41 % | 71.96 % |
2015 | 2.06 % | 19.41 % | 71.96 % |
Q1 2016 | 2.02 % | 18.46 % | 73.10 % |
Q2 2016 | 2.01 % | 18.39 % | 72.82 % |
Q3 2016 | 2.00 % | 18.35 % | 72.45 % |
Q4 2016 | 2.09 % | 18.36 % | 72.66 % |
2016 | 2.09 % | 18.36 % | 72.66 % |
Q1 2017 | 2.08 % | 17.67 % | 71.73 % |
Q2 2017 | 2.07 % | 17.88 % | 73.10 % |
Q3 2017 | 2.15 % | 17.92 % | 73.84 % |
Q4 2017 | 2.21 % | 17.97 % | 74.47 % |
2017 | 2.21 % | 17.97 % | 74.47 % |
Q1 2018 | 2.18 % | 17.36 % | 75.12 % |
Q2 2018 | 2.08 % | 17.18 % | 74.92 % |
Q3 2018 | 2.08 % | 17.16 % | 74.94 % |
Q4 2018 | 2.14 % | 16.85 % | 79.90 % |
2018 | 2.14 % | 16.86 % | 79.90 % |
Q1 2019 | 2.16 % | 16.78 % | 80.94 % |
Q2 2019 | 2.21 % | 17.70 % | 81.04 % |
Q3 2019 | 2.24 % | 18.75 % | 81.14 % |
Q4 2019 | 2.38 % | 19.13 % | 79.62 % |
2019 | 2.38 % | 19.13 % | 79.62 % |
Q1 2020 | 2.29 % | 19.68 % | 80.20 % |
Q2 2020 | 2.10 % | 17.85 % | 81.55 % |
Q3 2020 | 2.14 % | 18.49 % | 80.62 % |
Q4 2020 | 2.07 % | 17.51 % | 77.76 % |
2020 | 2.07 % | 17.51 % | 77.76 % |
Q1 2021 | 2.12 % | 18.77 % | 76.38 % |
Q2 2021 | 1.68 % | 11.66 % | 75.47 % |
Q3 2021 | 1.76 % | 12.26 % | 76.66 % |
Q4 2021 | 1.67 % | 11.56 % | 78.65 % |
2021 | 1.67 % | 11.56 % | 78.65 % |
Q1 2022 | 1.81 % | 12.31 % | 78.86 % |
Q2 2022 | 1.73 % | 10.82 % | 79.94 % |
Q3 2022 | 1.80 % | 11.38 % | 79.67 % |
Q4 2022 | 2.00 % | 12.37 % | 79.65 % |
2022 | 2.00 % | 12.37 % | 79.65 % |
Q1 2023 | 2.01 % | 12.48 % | 80.13 % |
Q2 2023 | 2.00 % | 12.86 % | 78.88 % |
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
2013 | 2.17 % | 19.97 % | 67.95 % |
2014 | 2.13 % | 20.09 % | 70.19 % |
2015 | 2.06 % | 19.41 % | 71.96 % |
2016 | 2.09 % | 18.36 % | 72.66 % |
2017 | 2.21 % | 17.97 % | 74.47 % |
2018 | 2.14 % | 16.86 % | 79.90 % |
2019 | 2.38 % | 19.13 % | 79.62 % |
2020 | 2.07 % | 17.51 % | 77.76 % |
2021 | 1.67 % | 11.56 % | 78.65 % |
2022 | 2.00 % | 12.37 % | 79.65 % |
Ratios
Ratios
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
Q1 2014 | 79.23 % | 46.96 % | 59.26 % |
Q2 2014 | 79.35 % | 47.34 % | 59.66 % |
Q3 2014 | 78.54 % | 48.76 % | 62.08 % |
Q4 2014 | 76.60 % | 50.75 % | 66.26 % |
Q1 2015 | 76.22 % | 50.49 % | 66.25 % |
Q2 2015 | 78.23 % | 50.78 % | 64.90 % |
Q3 2015 | 77.04 % | 50.04 % | 64.95 % |
Q4 2015 | 72.19 % | 56.38 % | 78.10 % |
Q1 2016 | 72.13 % | 58.70 % | 81.39 % |
Q2 2016 | 69.53 % | 58.50 % | 84.13 % |
Q3 2016 | 70.93 % | 59.24 % | 83.51 % |
Q4 2016 | 71.30 % | 57.29 % | 80.35 % |
Q1 2017 | 69.86 % | 56.62 % | 81.05 % |
Q2 2017 | 69.86 % | 57.03 % | 81.64 % |
Q3 2017 | 67.82 % | 57.57 % | 84.88 % |
Q4 2017 | 69.46 % | 56.03 % | 80.67 % |
Q1 2018 | 70.40 % | 57.59 % | 81.80 % |
Q2 2018 | 69.70 % | 58.38 % | 83.75 % |
Q3 2018 | 70.63 % | 58.21 % | 82.42 % |
Q4 2018 | 70.48 % | 58.62 % | 83.17 % |
Q1 2019 | 66.61 % | 57.48 % | 86.29 % |
Q2 2019 | 68.70 % | 57.67 % | 83.93 % |
Q3 2019 | 68.54 % | 56.20 % | 81.99 % |
Q4 2019 | 69.73 % | 55.61 % | 79.75 % |
Q1 2020 | 70.16 % | 57.01 % | 81.26 % |
Q2 2020 | 68.31 % | 56.72 % | 83.03 % |
Q3 2020 | 70.84 % | 58.34 % | 82.36 % |
Q4 2020 | 69.47 % | 57.84 % | 83.26 % |
Q1 2021 | 69.96 % | 59.50 % | 85.05 % |
Q2 2021 | 65.54 % | 55.92 % | 85.32 % |
Q3 2021 | 65.19 % | 55.59 % | 85.28 % |
Q4 2021 | 64.39 % | 54.43 % | 84.54 % |
Q1 2022 | 65.84 % | 55.84 % | 84.82 % |
Q2 2022 | 61.87 % | 55.94 % | 90.42 % |
Q3 2022 | 61.89 % | 55.60 % | 89.83 % |
Q4 2022 | 60.10 % | 57.67 % | 95.96 % |
Q1 2023 | 62.58 % | 58.02 % | 92.72 % |
Q2 2023 | 60.45 % | 58.01 % | 95.95 % |
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
2013 | 79.67 % | 49.75 % | 62.44 % |
2014 | 76.60 % | 50.75 % | 66.26 % |
2015 | 72.19 % | 56.38 % | 78.10 % |
2016 | 71.30 % | 57.29 % | 80.35 % |
2017 | 69.46 % | 56.03 % | 80.67 % |
2018 | 70.48 % | 58.62 % | 83.17 % |
2019 | 69.73 % | 55.61 % | 79.75 % |
2020 | 69.47 % | 57.84 % | 83.26 % |
2021 | 64.39 % | 54.43 % | 84.54 % |
2022 | 60.10 % | 57.67 % | 95.96 % |
Per Share Data (Riyal)
Per Share Data (Riyal)
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
Q1 2014 | 4,019.65 | 2.00 | 2.00 | - | 10.51 |
Q2 2014 | 4,019.65 | 2.11 | 2.11 | - | 11.10 |
Q3 2014 | 4,019.65 | 2.15 | 2.15 | - | 11.10 |
Q4 2014 | 4,019.65 | 2.15 | 2.15 | - | 11.25 |
Q1 2015 | 4,019.65 | 2.17 | 2.17 | - | 11.81 |
Q2 2015 | 4,019.65 | 2.16 | 2.16 | - | 11.95 |
Q3 2015 | 4,019.65 | 2.19 | 2.19 | - | 11.91 |
Q4 2015 | 4,019.65 | 2.26 | 2.26 | - | 12.06 |
Q1 2016 | 4,019.65 | 2.27 | 2.27 | - | 12.75 |
Q2 2016 | 4,019.65 | 2.29 | 2.29 | - | 12.91 |
Q3 2016 | 4,019.65 | 2.28 | 2.28 | - | 12.92 |
Q4 2016 | 4,019.65 | 2.32 | 2.32 | - | 13.19 |
Q1 2017 | 4,019.65 | 2.34 | 2.34 | - | 13.68 |
Q2 2017 | 4,019.65 | 2.33 | 2.33 | - | 13.15 |
Q3 2017 | 4,019.65 | 2.37 | 2.37 | - | 13.54 |
Q4 2017 | 4,019.65 | 2.44 | 2.44 | - | 13.94 |
Q1 2018 | 4,019.65 | 2.41 | 2.41 | - | 14.10 |
Q2 2018 | 4,019.65 | 2.35 | 2.35 | - | 14.18 |
Q3 2018 | 4,019.65 | 2.35 | 2.35 | - | 13.81 |
Q4 2018 | 4,019.65 | 2.38 | 2.38 | - | 14.36 |
Q1 2019 | 4,019.65 | 2.43 | 2.43 | - | 14.87 |
Q2 2019 | 4,019.65 | 2.56 | 2.56 | - | 14.74 |
Q3 2019 | 4,019.65 | 2.67 | 2.67 | - | 14.63 |
Q4 2019 | 4,019.65 | 2.84 | 2.84 | - | 15.29 |
Q1 2020 | 4,019.65 | 2.85 | 2.85 | - | 14.11 |
Q2 2020 | 4,019.65 | 2.70 | 2.70 | - | 15.53 |
Q3 2020 | 4,019.65 | 2.85 | 2.85 | - | 16.24 |
Q4 2020 | 4,019.65 | 2.85 | 2.85 | 3.03 | 17.22 |
Q1 2021 | 5,504.91 | 2.18 | 2.18 | 3.03 | 17.73 |
Q2 2021 | 5,504.91 | 2.22 | 2.23 | 3.03 | 24.58 |
Q3 2021 | 5,504.91 | 2.37 | 2.39 | 3.03 | 24.65 |
Q4 2021 | 5,504.91 | 2.30 | 2.33 | 3.03 | 25.00 |
Q1 2022 | 6,000.00 | 2.29 | 2.32 | 3.03 | 25.40 |
Q2 2022 | 6,000.00 | 2.67 | 2.69 | 3.03 | 24.80 |
Q3 2022 | 6,000.00 | 2.80 | 2.81 | 3.03 | 24.49 |
Q4 2022 | 6,000.00 | 3.10 | 3.10 | 3.03 | 25.08 |
Q1 2023 | 6,000.00 | 3.18 | 3.18 | 3.10 | 25.61 |
Q2 2023 | 6,000.00 | 3.25 | 3.25 | 3.16 | 25.83 |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
2013 | 4,019.65 | 1.95 | 1.95 | - | 10.18 |
2014 | 4,019.65 | 2.15 | 2.15 | - | 11.25 |
2015 | 4,019.65 | 2.26 | 2.26 | - | 12.06 |
2016 | 4,019.65 | 2.32 | 2.32 | - | 13.19 |
2017 | 4,019.65 | 2.44 | 2.44 | - | 13.94 |
2018 | 4,019.65 | 2.39 | 2.39 | - | 14.36 |
2019 | 4,019.65 | 2.84 | 2.84 | - | 15.29 |
2020 | 4,019.65 | 2.85 | 2.85 | 3.02 | 17.22 |
2021 | 5,504.91 | 2.30 | 2.33 | 3.02 | 25.00 |
2022 | 6,000.00 | 3.10 | 3.10 | 3.02 | 25.08 |
Multiple Ratios (End of Period Price)
Ratios And Multiples
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
Q1 2014 | - | - | - |
Q2 2014 | - | - | - |
Q3 2014 | - | - | - |
Q4 2014 | 18.97 | 18.97 | 3.63 |
Q1 2015 | 20.89 | 20.89 | 3.84 |
Q2 2015 | 21.52 | 21.52 | 3.88 |
Q3 2015 | 18.33 | 18.33 | 3.37 |
Q4 2015 | 16.78 | 16.78 | 3.15 |
Q1 2016 | 13.33 | 13.33 | 2.37 |
Q2 2016 | 12.99 | 12.99 | 2.30 |
Q3 2016 | 10.75 | 10.75 | 1.90 |
Q4 2016 | 13.65 | 13.65 | 2.40 |
Q1 2017 | 12.54 | 12.54 | 2.14 |
Q2 2017 | 16.92 | 16.92 | 3.00 |
Q3 2017 | 16.10 | 16.10 | 2.82 |
Q4 2017 | 16.77 | 16.77 | 2.93 |
Q1 2018 | 20.07 | 20.07 | 3.43 |
Q2 2018 | 23.05 | 23.05 | 3.82 |
Q3 2018 | 21.38 | 21.38 | 3.63 |
Q4 2018 | 22.36 | 22.36 | 3.71 |
Q1 2019 | 25.21 | 25.21 | 4.12 |
Q2 2019 | 24.20 | 24.20 | 4.20 |
Q3 2019 | 19.24 | 19.24 | 3.51 |
Q4 2019 | 19.34 | 19.34 | 3.59 |
Q1 2020 | 13.56 | 13.56 | 2.74 |
Q2 2020 | 15.36 | 15.36 | 2.67 |
Q3 2020 | 14.50 | 14.50 | 2.55 |
Q4 2020 | 16.97 | 16.97 | 2.80 |
Q1 2021 | 13.09 | 13.09 | 3.34 |
Q2 2021 | 14.20 | 14.15 | 1.75 |
Q3 2021 | 15.14 | 15.05 | 1.86 |
Q4 2021 | 15.88 | 15.67 | 1.92 |
Q1 2022 | 17.48 | 17.27 | 2.08 |
Q2 2022 | 16.24 | 16.12 | 1.98 |
Q3 2022 | 15.55 | 15.47 | 1.92 |
Q4 2022 | 12.45 | 12.45 | 1.50 |
Q1 2023 | 11.03 | 11.03 | 1.34 |
Q2 2023 | 11.65 | 11.65 | 1.42 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
2013 | - | - | - |
2014 | 18.97 | 18.97 | 3.63 |
2015 | 16.78 | 16.78 | 3.15 |
2016 | 13.65 | 13.65 | 2.40 |
2017 | 16.77 | 16.77 | 2.93 |
2018 | 22.33 | 22.33 | 3.71 |
2019 | 19.34 | 19.34 | 3.59 |
2020 | 16.97 | 16.97 | 2.80 |
2021 | 15.90 | 15.70 | 1.92 |
2022 | 12.47 | 12.47 | 1.50 |
Business Segments (Million)
Q2 2023
Revenue by Business Segment (Latest) 2023 Q2
2023
Period | Retail | Corporate and Institutional Banking | International Banking | Capital Market | Global markets and Treasury |
---|---|---|---|---|---|
Q1 2014 | 1,394.07 | 901.15 | 501.88 | 174.43 | 892.75 |
Q2 2014 | 1,444.40 | 926.59 | 527.50 | 219.17 | 1,097.32 |
Q3 2014 | 1,455.20 | 868.24 | 595.35 | 171.82 | 1,023.74 |
Q4 2014 | 1,427.35 | 1,032.33 | 628.39 | 188.93 | 776.42 |
Q1 2015 | 1,448.95 | 1,041.10 | 566.42 | 166.74 | 1,224.33 |
Q2 2015 | 1,522.94 | 1,034.67 | 528.51 | 183.19 | 1,013.61 |
Q3 2015 | 1,533.85 | 1,062.65 | 545.05 | 160.03 | 1,011.26 |
Q4 2015 | 1,854.84 | 1,002.57 | 546.46 | 181.42 | 857.08 |
Q1 2016 | 1,970.14 | 1,040.62 | 536.42 | 159.51 | 1,017.29 |
Q2 2016 | 1,985.35 | 1,054.82 | 589.90 | 147.36 | 882.82 |
Q3 2016 | 1,967.03 | 1,104.46 | 602.84 | 114.20 | 874.28 |
Q4 2016 | 1,782.46 | 1,186.84 | 501.03 | 159.65 | 970.39 |
Q1 2017 | 1,938.41 | 1,235.61 | 388.22 | 163.66 | 1,133.92 |
Q2 2017 | 1,924.73 | 1,042.93 | 393.30 | 144.16 | 973.23 |
Q3 2017 | 2,106.64 | 842.25 | 405.84 | 154.12 | 982.69 |
Q4 2017 | 2,171.24 | 973.67 | 390.38 | 173.87 | 806.38 |
Q1 2018 | 2,116.90 | 873.73 | 371.26 | 227.59 | 1,189.77 |
Q2 2018 | 1,976.75 | 1,075.78 | 442.12 | 176.26 | 989.64 |
Q3 2018 | 2,318.57 | 1,000.84 | 398.71 | 154.71 | 858.77 |
Q4 2018 | 2,260.08 | 1,111.00 | 314.71 | 161.60 | 908.44 |
Q1 2019 | 2,240.76 | 1,157.45 | 297.15 | 181.00 | 1,074.45 |
Q2 2019 | 2,385.91 | 965.58 | 353.75 | 216.64 | 1,128.53 |
Q3 2019 | 2,568.71 | 1,061.34 | 380.69 | 163.79 | 822.01 |
Q4 2019 | 2,512.36 | 1,526.65 | 429.32 | 225.36 | 883.24 |
Q1 2020 | 2,319.66 | 1,112.59 | 474.94 | 249.10 | 1,148.97 |
Q2 2020 | 2,363.44 | 2,914.55 | 417.10 | 219.62 | (1148.97) |
Q3 2020 | 2,676.13 | 2,267.98 | 407.50 | 285.99 | - |
Q4 2020 | 2,829.45 | 2,238.61 | 302.94 | 378.32 | - |
Q1 2021 | 2,662.57 | 2,430.09 | 276.48 | 350.17 | - |
Q2 2021 | 3,209.70 | 2,670.09 | 266.25 | 1,441.78 | - |
Q3 2021 | 3,326.70 | 4,696.32 | 476.74 | (625.34) | - |
Q4 2021 | 3,267.32 | 2,705.87 | 670.36 | 410.61 | - |
Q1 2022 | 3,664.72 | 3,265.04 | 666.34 | 496.80 | - |
Q2 2022 | 3,552.39 | 3,550.45 | 702.87 | 539.48 | - |
Q3 2022 | 3,739.41 | 3,747.26 | 633.98 | 327.18 | - |
Q4 2022 | 3,655.43 | 3,385.15 | 571.89 | 506.20 | - |
Q1 2023 | 3,868.23 | 3,672.73 | 774.59 | 418.04 | - |
Q2 2023 | 4,145.73 | 2,983.28 | 906.18 | 459.18 | - |
Period | Retail | Corporate and Institutional Banking | International Banking | Capital Market | Global markets and Treasury |
---|---|---|---|---|---|
2013 | 5,302.63 | 3,435.21 | 2,138.05 | 604.32 | 3,377.31 |
2014 | 5,721.01 | 3,728.31 | 2,253.12 | 754.36 | 3,790.23 |
2015 | 6,360.61 | 4,141.00 | 2,186.43 | 691.38 | 4,106.28 |
2016 | 7,704.97 | 4,386.73 | 2,230.19 | 580.72 | 3,744.77 |
2017 | 8,141.01 | 4,094.46 | 1,577.74 | 635.80 | 3,896.21 |
2018 | 8,672.30 | 4,061.35 | 1,526.80 | 720.17 | 3,946.61 |
2019 | 9,707.74 | 4,711.02 | 1,460.90 | 786.79 | 3,908.23 |
2020 | 10,188.69 | 8,533.73 | 1,602.49 | 1,133.03 | - |
2021 | 12,466.29 | 12,502.37 | 1,689.83 | 1,577.23 | - |
2022 | 14,611.94 | 13,947.89 | 2,575.07 | 1,869.65 | - |
Analysts Estimates (Million)
Analysts Estimates (Million)
Item | Q2 2023 (e) | Q2 2023 (a) | Change |
---|---|---|---|
Average | 4,966.29 | 5,015.56 | 0.99 % |
Estimates vs Actual (Million)
Estimates Accuracy
Item | Q2 2023 (e) | Q2 2023 (a) | Change |
---|---|---|---|
FAB Securities | 5,026.00 | 5,015.56 | (0.2) % |
Riyad Capital | 4,992.00 | 5,015.56 | 0.5 % |
Hermes | 4,988.00 | 5,015.56 | 0.6 % |
Arqaam Capital | 4,955.00 | 5,015.56 | 1.2 % |
HSBC | 4,826.00 | 5,015.56 | 3.9 % |
U-Capital | 4,813.50 | 5,015.56 | 4.2 % |
Bank of America | 4,747.04 | 5,015.56 | 5.7 % |
Goldman Sachs | 4,740.00 | 5,015.56 | 5.8 % |
OSOOL AND BAKHEET | 5,609.10 | 5,015.56 | (10.6) % |
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