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- 4330 - RIYAD REIT
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- 4333 - TALEEM REIT
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- 4340 - Al RAJHI REIT
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Media and Entertainment
Consumer Durables & Apparel
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
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Bank Albilad reported a net profit of SAR 2.01 billion in the first nine months of 2024, a jump of 14% from SAR 1.76 billion in the prior-year period.
Financials (M)
Item | 9m 2023 | 9m 2024 | Change |
---|---|---|---|
Net Income from investments and financial activities | 3,105.52 | 3,289.29 | 5.9 % |
Operating Income | 3,965.49 | 4,195.37 | 5.8 % |
Total Provisions | (276.82) | (187.40) | 32.3 % |
Net Income | 1,761.97 | 2,016.58 | 14.5 % |
Average Shares | 1,250.00 | 1,250.00 | - |
EPS (Riyals) | 1.41 | 1.61 | 14.5 % |
EPS Diluted (Riyals) | 1.42 | 1.62 | 14.4 % |
Bank Albilad’s operating income increased by 6% due to higher net income from investment and financing assets, other operating income, dividends, and net fees and commissions. This was offset by lower gains from foreign exchange (FX) income and investments.
Net income from investment and financing assets witnessed a 6% rise on higher income from investment and financing assets 16%, offset by a 28% increase in the return on deposits and financial liabilities.
In addition, the net impairment charge for expected credit losses decreased by 32% and total operating expenses retreated 3%. However, salaries and employee-related benefits increased.
Current Quarter Comparison (M)
Item | Q3 2023 | Q3 2024 | Change |
---|---|---|---|
Net Income from investments and financial activities | 1,051.99 | 1,159.79 | 10.2 % |
Operating Income | 1,335.84 | 1,446.28 | 8.3 % |
Debt Provisions | (72.58) | (53.67) | 26.1 % |
Net Income | 616.17 | 702.69 | 14.0 % |
Average Shares | 1,250.00 | 1,250.00 | - |
EPS (Riyals) | 0.49 | 0.56 | 14.0 % |
EPS Diluted (Riyal) | 0.50 | 0.57 | 14.1 % |
Item | Q2 2024 | Q3 2024 | Change |
---|---|---|---|
Net Income from investments and financial activities | 1,084.77 | 1,159.79 | 6.9 % |
Operating Income | 1,407.74 | 1,446.28 | 2.7 % |
Debt Provisions | (82.18) | (53.67) | 34.7 % |
Net Income | 670.85 | 702.69 | 4.7 % |
Average Shares | 1,250.00 | 1,250.00 | - |
EPS (Riyals) | 0.54 | 0.56 | 4.7 % |
EPS Diluted (Riyal) | 0.54 | 0.57 | 5.0 % |
In Q3 2024, the bank’s net profit rose 14% to SAR 702.7 million from SAR 616.17 million in Q3 2023.
Net earnings grew 4.7% from SAR 670.85 million in Q2 2024.
Balance Sheet (B)
Item | 9m 2023 | 9m 2024 | Change |
---|---|---|---|
Assets | 137.57 | 153.72 | 11.7 % |
Customer Deposits | 108.92 | 122.34 | 12.3 % |
Financing Investments | 101.60 | 106.70 | 5.0 % |
Shareholders’ equity, no minority interest, reached SAR 16.13 billion by Sept. 30, 2024, compared to SAR 14.61 billion in the prior year period.
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- 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 - BAAN
- 4170 - TECO
- 4290 - ALKHALEEJ TRNG
- 6002 - HERFY FOODS
- 6017 - JAHEZ
- 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
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- 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
- 4083 - UIHC
- 8010 - TAWUNIYA
- 8012 - JAZIRA TAKAFUL
- 8020 - MALATH INSURANCE
- 8030 - MEDGULF
- 8040 - MUTAKAMELA
- 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
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- 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
- 4324 - BANAN
- 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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Media and Entertainment
Consumer Durables & Apparel
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
- 9616 - JANA
- 9620 - BALSM MEDICAL
- 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
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- 9576 - PAPER HOME
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- 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
- 9619 - MULTI BUSINESS
- 9621 - DRC
- 9541 - ACADEMY OF LEARNING
- 9562 - FOOD GATE
- 9590 - ARMAH
- 9598 - ALMOHAFAZA FOR EDUCATION
- 9603 - HORIZON EDUCATIONAL
- 9567 - GHIDA ALSULTAN
- 9617 - ARABICA STAR
Share Price
Bank Albilad (ALBILAD)
Current | |
Market Cap (M) | 46,625.00 |
Shares Outstanding ((M)) | 1,250.00 |
EPS ( Riyal) (TTM) | 2.10 |
EPS Diluted ( Riyal) (TTM) | 2.11 |
Book Value (BV) ( Riyal) | 12.91 |
Par Value ( Riyal) | 10.00 |
Adjusted P/E (Last12) | 17.77 |
P/E (TTM) | 17.77 |
Price/book | 2.89 |
Return on Average Assets (%) (TTM) | 1.8 |
Return on Average Equity (%) (TTM) | 17.1 |
Financial results (Million)
Financial results (Million)
Period | Net Income from investments and financial activities | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
Q1 2015 | 271.92 | 19.8 % | 555.18 | 16.3 % | (16.12) | (246.6 %) |
Q2 2015 | 286.56 | 10.7 % | 584.92 | 9.5 % | (29.13) | (19.3 %) |
Q3 2015 | 293.70 | 11.1 % | 566.39 | 2.9 % | (25.73) | (381.7 %) |
Q4 2015 | 310.22 | 15.4 % | 588.13 | 9.9 % | (7.72) | (128.1 %) |
2015 | 1,162.39 | 14.1 % | 2,294.62 | 9.4 % | (78.69) | (1146.7 %) |
Q1 2016 | 333.75 | 22.7 % | 626.99 | 12.9 % | (56.41) | (250.0 %) |
Q2 2016 | 348.66 | 21.7 % | 641.50 | 9.7 % | (53.93) | (85.1 %) |
Q3 2016 | 361.74 | 23.2 % | 638.56 | 12.7 % | (37.68) | (46.4 %) |
Q4 2016 | 363.76 | 17.3 % | 680.38 | 15.7 % | (43.20) | (459.8 %) |
2016 | 1,407.91 | 21.1 % | 2,587.43 | 12.8 % | (191.21) | (143.0 %) |
Q1 2017 | 391.74 | 17.4 % | 690.77 | 10.2 % | (50.41) | 10.6 % |
Q2 2017 | 431.50 | 23.8 % | 721.51 | 12.5 % | (76.67) | (42.2 %) |
Q3 2017 | 448.83 | 24.1 % | 762.94 | 19.5 % | (115.98) | (207.8 %) |
Q4 2017 | 466.93 | 28.4 % | 784.35 | 15.3 % | (135.57) | (213.8 %) |
2017 | 1,739.00 | 23.5 % | 2,959.58 | 14.4 % | (378.63) | (98.0 %) |
Q1 2018 | 488.24 | 24.6 % | 790.97 | 14.5 % | (95.11) | (88.7 %) |
Q2 2018 | 521.40 | 20.8 % | 842.68 | 16.8 % | (135.25) | (76.4 %) |
Q3 2018 | 552.13 | 23.0 % | 880.25 | 15.4 % | (148.14) | (27.7 %) |
Q4 2018 | 602.46 | 29.0 % | 902.12 | 15.0 % | (111.95) | 17.4 % |
2018 | 2,164.23 | 24.5 % | 3,416.02 | 15.4 % | (490.45) | (29.5 %) |
Q1 2019 | 597.09 | 22.3 % | 921.41 | 16.5 % | (124.83) | (31.2 %) |
Q2 2019 | 693.10 | 32.9 % | 959.24 | 13.8 % | (137.81) | (1.9 %) |
Q3 2019 | 728.59 | 32.0 % | 1,023.65 | 16.3 % | (140.75) | 5.0 % |
Q4 2019 | 771.12 | 28.0 % | 1,041.04 | 15.4 % | (139.70) | (24.8 %) |
2019 | 2,823.76 | 30.5 % | 3,945.35 | 15.5 % | (543.09) | (10.7 %) |
Q1 2020 | 769.08 | 28.8 % | 1,004.15 | 9.0 % | (208.05) | (66.7 %) |
Q2 2020 | 821.22 | 18.5 % | 999.51 | 4.2 % | (145.92) | (5.9 %) |
Q3 2020 | 855.52 | 17.4 % | 1,112.62 | 8.7 % | (160.29) | (13.9 %) |
Q4 2020 | 846.81 | 9.8 % | 1,139.90 | 9.5 % | (180.25) | (29.0 %) |
2020 | 3,292.63 | 16.6 % | 4,262.05 | 8.0 % | (694.51) | (27.9 %) |
Q1 2021 | 858.76 | 11.7 % | 1,132.99 | 12.8 % | (169.50) | 18.5 % |
Q2 2021 | 842.49 | 2.6 % | 1,131.04 | 13.2 % | (136.35) | 6.6 % |
Q3 2021 | 886.75 | 3.7 % | 1,174.47 | 5.6 % | (142.50) | 11.1 % |
Q4 2021 | 901.49 | 6.5 % | 1,146.81 | 0.6 % | (121.33) | 32.7 % |
2021 | 3,489.49 | 6.0 % | 4,583.95 | 7.6 % | (569.67) | 18.0 % |
Q1 2022 | 944.46 | 10.0 % | 1,264.51 | 11.6 % | (159.53) | 5.9 % |
Q2 2022 | 956.66 | 13.6 % | 1,252.76 | 10.8 % | (120.43) | 11.7 % |
Q3 2022 | 1,003.38 | 13.2 % | 1,325.49 | 12.9 % | (132.06) | 7.3 % |
Q4 2022 | 982.17 | 8.9 % | 1,348.67 | 17.6 % | (138.63) | (14.3 %) |
2022 | 3,886.67 | 11.4 % | 5,191.43 | 13.3 % | (550.65) | 3.3 % |
Q1 2023 | 1,037.44 | 9.8 % | 1,335.61 | 5.6 % | (128.85) | 19.2 % |
Q2 2023 | 1,016.09 | 6.2 % | 1,294.05 | 3.3 % | (75.39) | 37.4 % |
Q3 2023 | 1,051.99 | 4.8 % | 1,335.84 | 0.8 % | (72.58) | 45.0 % |
Q4 2023 | 1,004.32 | 2.3 % | 1,337.30 | (0.8 %) | (47.01) | 66.1 % |
2023 | 4,109.84 | 5.7 % | 5,302.79 | 2.1 % | (323.83) | 41.2 % |
Q1 2024 | 1,044.73 | 0.7 % | 1,341.35 | 0.4 % | (51.55) | 60.0 % |
Q2 2024 | 1,084.77 | 6.8 % | 1,407.74 | 8.8 % | (82.18) | (9.0 %) |
Q3 2024 | 1,159.79 | 10.2 % | 1,446.28 | 8.3 % | (53.67) | 26.1 % |
Period | Net Income from investments and financial activities | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
2014 | 1,019.18 | 7.7 % | 2,097.05 | 9.4 % | 7.52 | 104.3 % |
2015 | 1,162.39 | 14.1 % | 2,294.62 | 9.4 % | (78.69) | (1146.7 %) |
2016 | 1,407.91 | 21.1 % | 2,587.43 | 12.8 % | (191.21) | (143.0 %) |
2017 | 1,739.00 | 23.5 % | 2,959.58 | 14.4 % | (378.63) | (98.0 %) |
2018 | 2,164.23 | 24.5 % | 3,416.02 | 15.4 % | (490.45) | (29.5 %) |
2019 | 2,823.76 | 30.5 % | 3,945.35 | 15.5 % | (543.09) | (10.7 %) |
2020 | 3,292.63 | 16.6 % | 4,262.05 | 8.0 % | (694.51) | (27.9 %) |
2021 | 3,489.49 | 6.0 % | 4,583.95 | 7.6 % | (569.67) | 18.0 % |
2022 | 3,886.67 | 11.4 % | 5,191.43 | 13.3 % | (550.65) | 3.3 % |
2023 | 4,109.84 | 5.7 % | 5,302.79 | 2.1 % | (323.83) | 41.2 % |
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 2015 | 174.14 | 0.2 % | 0.14 | - | 174.14 | 0.14 |
Q2 2015 | 206.46 | 1.0 % | 0.17 | - | 206.46 | 0.17 |
Q3 2015 | 203.44 | (14.2 %) | 0.16 | - | 203.44 | 0.16 |
Q4 2015 | 204.38 | (17.9 %) | 0.16 | - | 204.38 | 0.16 |
2015 | 788.42 | (8.8 %) | 0.63 | - | 788.42 | 0.63 |
Q1 2016 | 174.52 | 0.2 % | 0.14 | - | 174.52 | 0.14 |
Q2 2016 | 183.87 | (10.9 %) | 0.15 | - | 183.87 | 0.15 |
Q3 2016 | 227.81 | 12.0 % | 0.18 | - | 227.81 | 0.18 |
Q4 2016 | 221.52 | 8.4 % | 0.18 | - | 221.52 | 0.18 |
2016 | 807.72 | 2.4 % | 0.65 | - | 807.72 | 0.65 |
Q1 2017 | 229.38 | 31.4 % | 0.18 | - | 229.38 | 0.18 |
Q2 2017 | 238.76 | 29.8 % | 0.19 | - | 238.76 | 0.19 |
Q3 2017 | 248.05 | 8.9 % | 0.20 | - | 248.05 | 0.20 |
Q4 2017 | 225.86 | 2.0 % | 0.18 | - | 225.86 | 0.18 |
2017 | 942.05 | 16.6 % | 0.75 | - | 942.05 | 0.75 |
Q1 2018 | 246.11 | 7.3 % | 0.20 | - | 246.11 | 0.20 |
Q2 2018 | 265.90 | 11.4 % | 0.21 | - | 265.90 | 0.21 |
Q3 2018 | 237.02 | (4.4 %) | 0.19 | - | 237.02 | 0.19 |
Q4 2018 | (136.32) | (160.4 %) | (0.11) | (392.80) | 256.48 | 0.21 |
2018 | 612.71 | (35.0 %) | 0.49 | (392.80) | 1,005.51 | 0.80 |
Q1 2019 | 284.89 | 15.8 % | 0.23 | - | 284.89 | 0.23 |
Q2 2019 | 304.91 | 14.7 % | 0.24 | - | 304.91 | 0.24 |
Q3 2019 | 326.63 | 37.8 % | 0.26 | - | 326.63 | 0.26 |
Q4 2019 | 327.15 | 340.0 % | 0.26 | - | 327.15 | 0.26 |
2019 | 1,243.74 | 103.0 % | 0.99 | - | 1,243.74 | 0.99 |
Q1 2020 | 270.04 | (5.2 %) | 0.22 | - | 270.04 | 0.22 |
Q2 2020 | 318.06 | 4.3 % | 0.25 | - | 318.06 | 0.25 |
Q3 2020 | 382.61 | 17.1 % | 0.31 | - | 382.61 | 0.31 |
Q4 2020 | 377.81 | 15.5 % | 0.30 | - | 377.81 | 0.30 |
2020 | 1,348.52 | 8.4 % | 1.08 | - | 1,348.52 | 1.08 |
Q1 2021 | 392.75 | 45.4 % | 0.31 | - | 392.75 | 0.31 |
Q2 2021 | 416.09 | 30.8 % | 0.33 | - | 416.09 | 0.33 |
Q3 2021 | 449.70 | 17.5 % | 0.36 | - | 449.70 | 0.36 |
Q4 2021 | 427.99 | 13.3 % | 0.34 | - | 427.99 | 0.34 |
2021 | 1,686.54 | 25.1 % | 1.35 | - | 1,686.54 | 1.35 |
Q1 2022 | 490.31 | 24.8 % | 0.39 | - | 490.31 | 0.39 |
Q2 2022 | 510.98 | 22.8 % | 0.41 | - | 510.98 | 0.41 |
Q3 2022 | 540.65 | 20.2 % | 0.43 | - | 540.65 | 0.43 |
Q4 2022 | 539.75 | 26.1 % | 0.43 | - | 539.75 | 0.43 |
2022 | 2,081.69 | 23.4 % | 1.67 | - | 2,081.69 | 1.67 |
Q1 2023 | 559.90 | 14.2 % | 0.45 | - | 559.90 | 0.45 |
Q2 2023 | 585.90 | 14.7 % | 0.47 | - | 585.90 | 0.47 |
Q3 2023 | 616.17 | 14.0 % | 0.49 | - | 616.17 | 0.49 |
Q4 2023 | 606.97 | 12.5 % | 0.49 | - | 606.97 | 0.49 |
2023 | 2,368.94 | 13.8 % | 1.90 | - | 2,368.94 | 1.90 |
Q1 2024 | 643.05 | 14.9 % | 0.51 | - | 643.05 | 0.51 |
Q2 2024 | 670.85 | 14.5 % | 0.54 | - | 670.85 | 0.54 |
Q3 2024 | 702.69 | 14.0 % | 0.56 | - | 702.69 | 0.56 |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
2014 | 864.03 | 18.5 % | 0.69 | - | 864.03 | 0.69 |
2015 | 788.42 | (8.8 %) | 0.63 | - | 788.42 | 0.63 |
2016 | 807.72 | 2.4 % | 0.65 | - | 807.72 | 0.65 |
2017 | 942.05 | 16.6 % | 0.75 | - | 942.05 | 0.75 |
2018 | 612.71 | (35.0 %) | 0.49 | (392.80) | 1,005.51 | 0.80 |
2019 | 1,243.74 | 103.0 % | 0.99 | - | 1,243.74 | 0.99 |
2020 | 1,348.52 | 8.4 % | 1.08 | - | 1,348.52 | 1.08 |
2021 | 1,686.54 | 25.1 % | 1.35 | - | 1,686.54 | 1.35 |
2022 | 2,081.69 | 23.4 % | 1.67 | - | 2,081.69 | 1.67 |
2023 | 2,368.94 | 13.8 % | 1.90 | - | 2,368.94 | 1.90 |
Balance Sheet (B)
Balance Sheet Performance (B)
Period | Assets | Change | Customer Deposits | Change | Financing Investments | Change |
---|---|---|---|---|---|---|
Q1 2015 | 46.31 | 18.7 % | 37.86 | 20.6 % | 29.09 | 19.8 % |
Q2 2015 | 49.14 | 19.9 % | 38.30 | 14.8 % | 31.68 | 18.4 % |
Q3 2015 | 49.50 | 12.3 % | 40.72 | 10.6 % | 32.29 | 17.3 % |
Q4 2015 | 51.22 | 13.2 % | 42.18 | 14.9 % | 34.25 | 20.8 % |
Q1 2016 | 54.30 | 17.2 % | 43.93 | 16.0 % | 37.33 | 28.3 % |
Q2 2016 | 54.33 | 10.5 % | 42.12 | 10.0 % | 36.93 | 16.6 % |
Q3 2016 | 55.65 | 12.4 % | 41.24 | 1.3 % | 36.25 | 12.3 % |
Q4 2016 | 53.75 | 4.9 % | 40.23 | (4.6 %) | 36.18 | 5.6 % |
Q1 2017 | 57.29 | 5.5 % | 43.54 | (0.9 %) | 38.70 | 3.7 % |
Q2 2017 | 59.73 | 9.9 % | 44.97 | 6.8 % | 40.66 | 10.1 % |
Q3 2017 | 62.53 | 12.4 % | 46.40 | 12.5 % | 41.81 | 15.4 % |
Q4 2017 | 63.21 | 17.6 % | 47.78 | 18.8 % | 43.45 | 20.1 % |
Q1 2018 | 65.78 | 14.8 % | 50.77 | 16.6 % | 45.62 | 17.9 % |
Q2 2018 | 68.41 | 14.5 % | 52.18 | 16.0 % | 47.34 | 16.4 % |
Q3 2018 | 70.71 | 13.1 % | 54.57 | 17.6 % | 49.74 | 18.9 % |
Q4 2018 | 73.64 | 16.5 % | 57.18 | 19.7 % | 50.59 | 16.4 % |
Q1 2019 | 72.90 | 10.8 % | 57.59 | 13.4 % | 51.40 | 12.7 % |
Q2 2019 | 76.97 | 12.5 % | 59.32 | 13.7 % | 53.62 | 13.3 % |
Q3 2019 | 81.16 | 14.8 % | 64.06 | 17.4 % | 56.40 | 13.4 % |
Q4 2019 | 86.00 | 16.8 % | 67.11 | 17.4 % | 59.29 | 17.2 % |
Q1 2020 | 88.40 | 21.3 % | 68.38 | 18.7 % | 62.46 | 21.5 % |
Q2 2020 | 88.86 | 15.5 % | 64.88 | 9.4 % | 64.92 | 21.1 % |
Q3 2020 | 92.31 | 13.7 % | 68.88 | 7.5 % | 67.76 | 20.2 % |
Q4 2020 | 95.75 | 11.3 % | 71.55 | 6.6 % | 70.11 | 18.3 % |
Q1 2021 | 102.52 | 16.0 % | 76.96 | 12.6 % | 75.53 | 20.9 % |
Q2 2021 | 107.65 | 21.2 % | 81.64 | 25.8 % | 79.13 | 21.9 % |
Q3 2021 | 111.61 | 20.9 % | 82.35 | 19.5 % | 81.80 | 20.7 % |
Q4 2021 | 110.85 | 15.8 % | 81.11 | 13.4 % | 82.93 | 18.3 % |
Q1 2022 | 116.44 | 13.6 % | 86.08 | 11.8 % | 86.39 | 14.4 % |
Q2 2022 | 121.51 | 12.9 % | 89.11 | 9.2 % | 91.21 | 15.3 % |
Q3 2022 | 127.02 | 13.8 % | 93.89 | 14.0 % | 92.29 | 12.8 % |
Q4 2022 | 129.54 | 16.9 % | 94.84 | 16.9 % | 91.18 | 9.9 % |
Q1 2023 | 135.37 | 16.3 % | 105.48 | 22.5 % | 95.48 | 10.5 % |
Q2 2023 | 135.40 | 11.4 % | 106.29 | 19.3 % | 98.85 | 8.4 % |
Q3 2023 | 137.57 | 8.3 % | 108.92 | 16.0 % | 101.60 | 10.1 % |
Q4 2023 | 143.11 | 10.5 % | 112.83 | 19.0 % | 102.08 | 12.0 % |
Q1 2024 | 143.70 | 6.2 % | 113.74 | 7.8 % | 103.31 | 8.2 % |
Q2 2024 | 145.29 | 7.3 % | 114.53 | 7.8 % | 104.31 | 5.5 % |
Q3 2024 | 153.72 | 11.7 % | 122.34 | 12.3 % | 106.70 | 5.0 % |
Period | Assets | Change | Customer Deposits | Change | Financing Investments | Change |
---|---|---|---|---|---|---|
3m 2015 | 46.31 | 18.7 % | 37.86 | 20.6 % | 29.09 | 19.8 % |
6m 2015 | 49.14 | 19.9 % | 38.30 | 14.8 % | 31.68 | 18.4 % |
9m 2015 | 49.50 | 12.3 % | 40.72 | 10.6 % | 32.29 | 17.3 % |
12m 2015 | 51.22 | 13.2 % | 42.18 | 14.9 % | 34.25 | 20.8 % |
3m 2016 | 54.30 | 17.2 % | 43.93 | 16.0 % | 37.33 | 28.3 % |
6m 2016 | 54.33 | 10.5 % | 42.12 | 10.0 % | 36.93 | 16.6 % |
9m 2016 | 55.65 | 12.4 % | 41.24 | 1.3 % | 36.25 | 12.3 % |
12m 2016 | 53.75 | 4.9 % | 40.23 | (4.6 %) | 36.18 | 5.6 % |
3m 2017 | 57.29 | 5.5 % | 43.54 | (0.9 %) | 38.70 | 3.7 % |
6m 2017 | 59.73 | 9.9 % | 44.97 | 6.8 % | 40.66 | 10.1 % |
9m 2017 | 62.53 | 12.4 % | 46.40 | 12.5 % | 41.81 | 15.4 % |
12m 2017 | 63.21 | 17.6 % | 47.78 | 18.8 % | 43.45 | 20.1 % |
3m 2018 | 65.78 | 14.8 % | 50.77 | 16.6 % | 45.62 | 17.9 % |
6m 2018 | 68.41 | 14.5 % | 52.18 | 16.0 % | 47.34 | 16.4 % |
9m 2018 | 70.71 | 13.1 % | 54.57 | 17.6 % | 49.74 | 18.9 % |
12m 2018 | 73.64 | 16.5 % | 57.18 | 19.7 % | 50.59 | 16.4 % |
3m 2019 | 72.90 | 10.8 % | 57.59 | 13.4 % | 51.40 | 12.7 % |
6m 2019 | 76.97 | 12.5 % | 59.32 | 13.7 % | 53.62 | 13.3 % |
9m 2019 | 81.16 | 14.8 % | 64.06 | 17.4 % | 56.40 | 13.4 % |
12m 2019 | 86.00 | 16.8 % | 67.11 | 17.4 % | 59.29 | 17.2 % |
3m 2020 | 88.40 | 21.3 % | 68.38 | 18.7 % | 62.46 | 21.5 % |
6m 2020 | 88.86 | 15.5 % | 64.88 | 9.4 % | 64.92 | 21.1 % |
9m 2020 | 92.31 | 13.7 % | 68.88 | 7.5 % | 67.76 | 20.2 % |
12m 2020 | 95.75 | 11.3 % | 71.55 | 6.6 % | 70.11 | 18.3 % |
3m 2021 | 102.52 | 16.0 % | 76.96 | 12.6 % | 75.53 | 20.9 % |
6m 2021 | 107.65 | 21.2 % | 81.64 | 25.8 % | 79.13 | 21.9 % |
9m 2021 | 111.61 | 20.9 % | 82.35 | 19.5 % | 81.80 | 20.7 % |
12m 2021 | 110.85 | 15.8 % | 81.11 | 13.4 % | 82.93 | 18.3 % |
3m 2022 | 116.44 | 13.6 % | 86.08 | 11.8 % | 86.39 | 14.4 % |
6m 2022 | 121.51 | 12.9 % | 89.11 | 9.2 % | 91.21 | 15.3 % |
9m 2022 | 127.02 | 13.8 % | 93.89 | 14.0 % | 92.29 | 12.8 % |
12m 2022 | 129.54 | 16.9 % | 94.84 | 16.9 % | 91.18 | 9.9 % |
3m 2023 | 135.37 | 16.3 % | 105.48 | 22.5 % | 95.48 | 10.5 % |
6m 2023 | 135.40 | 11.4 % | 106.29 | 19.3 % | 98.85 | 8.4 % |
9m 2023 | 137.57 | 8.3 % | 108.92 | 16.0 % | 101.60 | 10.1 % |
12m 2023 | 143.11 | 10.5 % | 112.83 | 19.0 % | 102.08 | 12.0 % |
3m 2024 | 143.70 | 6.2 % | 113.74 | 7.8 % | 103.31 | 8.2 % |
6m 2024 | 145.29 | 7.3 % | 114.53 | 7.8 % | 104.31 | 5.5 % |
9m 2024 | 153.72 | 11.7 % | 122.34 | 12.3 % | 106.70 | 5.0 % |
Period | Assets | Change | Customer Deposits | Change | Financing Investments | Change |
---|---|---|---|---|---|---|
2014 | 45.23 | 24.5 % | 36.72 | 26.2 % | 28.36 | 21.1 % |
2015 | 51.22 | 13.2 % | 42.18 | 14.9 % | 34.25 | 20.8 % |
2016 | 53.75 | 4.9 % | 40.23 | (4.6 %) | 36.18 | 5.6 % |
2017 | 63.21 | 17.6 % | 47.78 | 18.8 % | 43.45 | 20.1 % |
2018 | 73.64 | 16.5 % | 57.18 | 19.7 % | 50.59 | 16.4 % |
2019 | 86.00 | 16.8 % | 67.11 | 17.4 % | 59.29 | 17.2 % |
2020 | 95.75 | 11.3 % | 71.55 | 6.6 % | 70.11 | 18.3 % |
2021 | 110.85 | 15.8 % | 81.11 | 13.4 % | 82.93 | 18.3 % |
2022 | 129.54 | 16.9 % | 94.84 | 16.9 % | 91.18 | 9.9 % |
2023 | 143.11 | 10.5 % | 112.83 | 19.0 % | 102.08 | 12.0 % |
Profitability
Profitability
Period | Return On Average Assets | Return on Average Equity | Net Profit/Investment Income & Other Financing Operations |
---|---|---|---|
Q1 2015 | 2.03 % | 15.21 % | 77.12 % |
Q2 2015 | 1.92 % | 14.99 % | 75.48 % |
Q3 2015 | 1.78 % | 13.97 % | 70.53 % |
Q4 2015 | 1.63 % | 12.78 % | 63.64 % |
2015 | 1.63 % | 12.78 % | 63.64 % |
Q1 2016 | 1.57 % | 12.52 % | 58.43 % |
Q2 2016 | 1.48 % | 11.97 % | 51.62 % |
Q3 2016 | 1.50 % | 12.02 % | 48.25 % |
Q4 2016 | 1.54 % | 11.92 % | 45.62 % |
2016 | 1.54 % | 11.92 % | 45.62 % |
Q1 2017 | 1.55 % | 12.46 % | 46.47 % |
Q2 2017 | 1.61 % | 13.11 % | 47.26 % |
Q3 2017 | 1.59 % | 12.93 % | 46.38 % |
Q4 2017 | 1.61 % | 12.82 % | 44.50 % |
2017 | 1.61 % | 12.82 % | 44.50 % |
Q1 2018 | 1.56 % | 12.74 % | 42.90 % |
Q2 2018 | 1.54 % | 13.15 % | 41.61 % |
Q3 2018 | 1.46 % | 12.56 % | 38.56 % |
Q4 2018 | 0.90 % | 7.95 % | 22.50 % |
2018 | 0.90 % | 7.95 % | 22.50 % |
Q1 2019 | 0.94 % | 8.15 % | 22.51 % |
Q2 2019 | 0.95 % | 8.35 % | 22.37 % |
Q3 2019 | 1.03 % | 9.17 % | 23.87 % |
Q4 2019 | 1.56 % | 14.41 % | 36.28 % |
2019 | 1.56 % | 14.41 % | 35.93 % |
Q1 2020 | 1.52 % | 13.79 % | 34.46 % |
Q2 2020 | 1.50 % | 13.27 % | 34.22 % |
Q3 2020 | 1.50 % | 13.38 % | 35.54 % |
Q4 2020 | 1.48 % | 13.37 % | 37.18 % |
2020 | 1.48 % | 13.37 % | 37.18 % |
Q1 2021 | 1.54 % | 14.43 % | 40.52 % |
Q2 2021 | 1.60 % | 14.73 % | 43.19 % |
Q3 2021 | 1.60 % | 14.75 % | 44.40 % |
Q4 2021 | 1.63 % | 14.85 % | 44.84 % |
2021 | 1.63 % | 14.85 % | 44.84 % |
Q1 2022 | 1.63 % | 15.40 % | 45.86 % |
Q2 2022 | 1.64 % | 15.64 % | 45.62 % |
Q3 2022 | 1.65 % | 15.82 % | 44.11 % |
Q4 2022 | 1.73 % | 16.40 % | 41.87 % |
2022 | 1.73 % | 16.40 % | 41.87 % |
Q1 2023 | 1.71 % | 16.29 % | 38.22 % |
Q2 2023 | 1.73 % | 16.63 % | 35.17 % |
Q3 2023 | 1.74 % | 16.65 % | 32.91 % |
Q4 2023 | 1.74 % | 16.53 % | 31.40 % |
2023 | 1.74 % | 16.53 % | 31.40 % |
Q1 2024 | 1.76 % | 16.47 % | 31.01 % |
Q2 2024 | 1.81 % | 16.93 % | 31.05 % |
Q3 2024 | 1.80 % | 17.07 % | 31.23 % |
Period | Return On Average Assets | Return on Average Equity | Net Profit/Investment Income & Other Financing Operations |
---|---|---|---|
2014 | 2.12 % | 15.72 % | 80.55 % |
2015 | 1.63 % | 12.78 % | 63.64 % |
2016 | 1.54 % | 11.92 % | 45.62 % |
2017 | 1.61 % | 12.82 % | 44.50 % |
2018 | 0.90 % | 7.95 % | 22.50 % |
2019 | 1.56 % | 14.41 % | 35.93 % |
2020 | 1.48 % | 13.37 % | 37.18 % |
2021 | 1.63 % | 14.85 % | 44.84 % |
2022 | 1.73 % | 16.40 % | 41.87 % |
2023 | 1.74 % | 16.53 % | 31.40 % |
Ratios
Ratios
Period | Customer Deposits Per Total Assets | Financing Investments/Customer Deposits | Financing Investments/Total Assets |
---|---|---|---|
Q1 2015 | 81.74 % | 76.84 % | 62.81 % |
Q2 2015 | 77.94 % | 82.72 % | 64.47 % |
Q3 2015 | 82.26 % | 79.30 % | 65.24 % |
Q4 2015 | 82.35 % | 81.21 % | 66.88 % |
Q1 2016 | 80.90 % | 84.98 % | 68.75 % |
Q2 2016 | 77.53 % | 87.68 % | 67.98 % |
Q3 2016 | 74.12 % | 87.88 % | 65.14 % |
Q4 2016 | 74.86 % | 89.92 % | 67.31 % |
Q1 2017 | 76.00 % | 88.89 % | 67.55 % |
Q2 2017 | 75.29 % | 90.42 % | 68.08 % |
Q3 2017 | 74.20 % | 90.12 % | 66.87 % |
Q4 2017 | 75.60 % | 90.93 % | 68.74 % |
Q1 2018 | 77.19 % | 89.84 % | 69.35 % |
Q2 2018 | 76.28 % | 90.73 % | 69.20 % |
Q3 2018 | 77.18 % | 91.14 % | 70.34 % |
Q4 2018 | 77.65 % | 88.48 % | 68.70 % |
Q1 2019 | 79.00 % | 89.26 % | 70.51 % |
Q2 2019 | 77.07 % | 90.40 % | 69.67 % |
Q3 2019 | 78.92 % | 88.04 % | 69.49 % |
Q4 2019 | 78.03 % | 88.35 % | 68.94 % |
Q1 2020 | 77.35 % | 91.35 % | 70.66 % |
Q2 2020 | 73.01 % | 100.07 % | 73.06 % |
Q3 2020 | 74.62 % | 98.37 % | 73.41 % |
Q4 2020 | 74.73 % | 97.99 % | 73.22 % |
Q1 2021 | 75.07 % | 98.14 % | 73.68 % |
Q2 2021 | 75.84 % | 96.93 % | 73.51 % |
Q3 2021 | 73.78 % | 99.34 % | 73.29 % |
Q4 2021 | 73.17 % | 102.25 % | 74.81 % |
Q1 2022 | 73.92 % | 100.36 % | 74.19 % |
Q2 2022 | 73.33 % | 102.35 % | 75.06 % |
Q3 2022 | 73.91 % | 98.30 % | 72.66 % |
Q4 2022 | 73.21 % | 96.14 % | 70.39 % |
Q1 2023 | 77.92 % | 90.52 % | 70.54 % |
Q2 2023 | 78.50 % | 93.01 % | 73.01 % |
Q3 2023 | 79.17 % | 93.29 % | 73.85 % |
Q4 2023 | 78.84 % | 90.47 % | 71.33 % |
Q1 2024 | 79.15 % | 90.83 % | 71.89 % |
Q2 2024 | 78.83 % | 91.08 % | 71.79 % |
Q3 2024 | 79.59 % | 87.21 % | 69.41 % |
Period | Customer Deposits Per Total Assets | Financing Investments/Customer Deposits | Financing Investments/Total Assets |
---|---|---|---|
2014 | 81.19 % | 77.21 % | 62.69 % |
2015 | 82.35 % | 81.21 % | 66.88 % |
2016 | 74.86 % | 89.92 % | 67.31 % |
2017 | 75.60 % | 90.93 % | 68.74 % |
2018 | 77.65 % | 88.48 % | 68.70 % |
2019 | 78.03 % | 88.35 % | 68.94 % |
2020 | 74.73 % | 97.99 % | 73.22 % |
2021 | 73.17 % | 102.25 % | 74.81 % |
2022 | 73.21 % | 96.14 % | 70.39 % |
2023 | 78.84 % | 90.47 % | 71.33 % |
Per Share Data (Riyal)
Per Share Data (Riyal)
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
Q1 2015 | 1,250.00 | 0.69 | 0.69 | - | 4.86 |
Q2 2015 | 1,250.00 | 0.69 | 0.69 | - | 4.87 |
Q3 2015 | 1,250.00 | 0.67 | 0.67 | - | 4.98 |
Q4 2015 | 1,250.00 | 0.63 | 0.63 | - | 5.15 |
Q1 2016 | 1,250.00 | 0.63 | 0.63 | - | 5.22 |
Q2 2016 | 1,250.00 | 0.61 | 0.61 | - | 5.37 |
Q3 2016 | 1,250.00 | 0.63 | 0.63 | - | 5.54 |
Q4 2016 | 1,250.00 | 0.65 | 0.65 | - | 5.69 |
Q1 2017 | 1,250.00 | 0.69 | 0.69 | - | 5.86 |
Q2 2017 | 1,250.00 | 0.73 | 0.73 | - | 5.83 |
Q3 2017 | 1,250.00 | 0.75 | 0.75 | - | 6.06 |
Q4 2017 | 1,250.00 | 0.75 | 0.75 | - | 6.07 |
Q1 2018 | 1,250.00 | 0.77 | 0.77 | - | 6.18 |
Q2 2018 | 1,250.00 | 0.79 | 0.79 | - | 6.17 |
Q3 2018 | 1,250.00 | 0.78 | 0.78 | - | 6.35 |
Q4 2018 | 1,250.00 | 0.49 | 0.80 | - | 6.27 |
Q1 2019 | 1,250.00 | 0.52 | 0.84 | - | 6.62 |
Q2 2019 | 1,250.00 | 0.55 | 0.87 | - | 7.06 |
Q3 2019 | 1,250.00 | 0.62 | 0.94 | - | 7.26 |
Q4 2019 | 1,250.00 | 0.99 | 0.99 | - | 7.54 |
Q1 2020 | 1,250.00 | 0.98 | 0.98 | - | 7.64 |
Q2 2020 | 1,250.00 | 0.99 | 0.99 | - | 7.91 |
Q3 2020 | 1,250.00 | 1.04 | 1.04 | - | 8.26 |
Q4 2020 | 1,250.00 | 1.08 | 1.08 | - | 8.59 |
Q1 2021 | 1,250.00 | 1.18 | 1.18 | - | 8.67 |
Q2 2021 | 1,250.00 | 1.26 | 1.26 | - | 9.13 |
Q3 2021 | 1,250.00 | 1.31 | 1.31 | - | 9.49 |
Q4 2021 | 1,250.00 | 1.35 | 1.35 | - | 9.58 |
Q1 2022 | 1,250.00 | 1.43 | 1.43 | - | 9.86 |
Q2 2022 | 1,250.00 | 1.50 | 1.50 | - | 10.09 |
Q3 2022 | 1,250.00 | 1.58 | 1.58 | - | 10.43 |
Q4 2022 | 1,250.00 | 1.67 | 1.67 | 1.66 | 10.72 |
Q1 2023 | 1,250.00 | 1.72 | 1.72 | 1.72 | 11.27 |
Q2 2023 | 1,250.00 | 1.78 | 1.78 | 1.78 | 11.34 |
Q3 2023 | 1,250.00 | 1.84 | 1.84 | 1.85 | 11.69 |
Q4 2023 | 1,250.00 | 1.90 | 1.90 | 1.91 | 12.21 |
Q1 2024 | 1,250.00 | 1.96 | 1.96 | 1.98 | 12.56 |
Q2 2024 | 1,250.00 | 2.03 | 2.03 | 2.04 | 12.64 |
Q3 2024 | 1,250.00 | 2.10 | 2.10 | 2.11 | 12.91 |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
2014 | 1,250.00 | 0.69 | 0.69 | - | 4.71 |
2015 | 1,250.00 | 0.63 | 0.63 | - | 5.15 |
2016 | 1,250.00 | 0.65 | 0.65 | - | 5.69 |
2017 | 1,250.00 | 0.75 | 0.75 | - | 6.07 |
2018 | 1,250.00 | 0.49 | 0.80 | - | 6.27 |
2019 | 1,250.00 | 0.99 | 0.99 | - | 7.54 |
2020 | 1,250.00 | 1.08 | 1.08 | - | 8.59 |
2021 | 1,250.00 | 1.35 | 1.35 | - | 9.58 |
2022 | 1,250.00 | 1.67 | 1.67 | 1.67 | 10.72 |
2023 | 1,250.00 | 1.90 | 1.90 | 1.91 | 12.21 |
Multiple Ratios (End of Period Price)
Ratios And Multiples
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
Q1 2015 | 21.26 | 21.26 | 3.02 |
Q2 2015 | 22.08 | 22.08 | 3.14 |
Q3 2015 | 14.73 | 14.73 | 1.97 |
Q4 2015 | 15.62 | 15.62 | 1.91 |
Q1 2016 | 14.70 | 14.70 | 1.78 |
Q2 2016 | 14.21 | 14.21 | 1.62 |
Q3 2016 | 11.49 | 11.49 | 1.31 |
Q4 2016 | 15.31 | 15.31 | 1.74 |
Q1 2017 | 12.78 | 12.78 | 1.50 |
Q2 2017 | 12.45 | 12.45 | 1.57 |
Q3 2017 | 12.35 | 12.35 | 1.53 |
Q4 2017 | 13.05 | 13.05 | 1.62 |
Q1 2018 | 14.27 | 14.27 | 1.77 |
Q2 2018 | 14.27 | 14.27 | 1.82 |
Q3 2018 | 15.25 | 15.25 | 1.87 |
Q4 2018 | 26.71 | 16.28 | 2.09 |
Q1 2019 | 27.52 | 17.17 | 2.17 |
Q2 2019 | 29.68 | 18.92 | 2.32 |
Q3 2019 | 25.50 | 16.96 | 2.19 |
Q4 2019 | 16.24 | 16.24 | 2.14 |
Q1 2020 | 12.49 | 12.49 | 1.61 |
Q2 2020 | 13.37 | 13.37 | 1.68 |
Q3 2020 | 13.96 | 13.96 | 1.75 |
Q4 2020 | 15.78 | 15.78 | 1.98 |
Q1 2021 | 17.96 | 17.96 | 2.44 |
Q2 2021 | 17.56 | 17.56 | 2.41 |
Q3 2021 | 18.76 | 18.76 | 2.59 |
Q4 2021 | 20.63 | 20.63 | 2.90 |
Q1 2022 | 26.09 | 26.09 | 3.78 |
Q2 2022 | 23.28 | 23.28 | 3.47 |
Q3 2022 | 24.11 | 24.11 | 3.64 |
Q4 2022 | 21.42 | 21.42 | 3.32 |
Q1 2023 | 18.50 | 18.50 | 2.83 |
Q2 2023 | 17.36 | 17.36 | 2.73 |
Q3 2023 | 18.30 | 18.30 | 2.89 |
Q4 2023 | 19.06 | 19.06 | 2.98 |
Q1 2024 | 19.36 | 19.36 | 3.04 |
Q2 2024 | 15.92 | 15.92 | 2.57 |
Q3 2024 | 18.66 | 18.66 | 3.05 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
2014 | 20.66 | 20.66 | 3.03 |
2015 | 15.62 | 15.62 | 1.91 |
2016 | 15.31 | 15.31 | 1.74 |
2017 | 13.05 | 13.05 | 1.62 |
2018 | 26.71 | 16.28 | 2.09 |
2019 | 16.24 | 16.24 | 2.14 |
2020 | 15.78 | 15.78 | 1.98 |
2021 | 20.63 | 20.63 | 2.90 |
2022 | 21.29 | 21.29 | 3.32 |
2023 | 19.07 | 19.07 | 2.98 |
Business Segments (Million)
Q3 2024
Revenue by Business Segment (Latest) 2024 Q3
2024
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Investment Banking and Brokerage | Others | Remittances ( Enjaz Centers) |
---|---|---|---|---|---|---|
Q1 2015 | 297.14 | 174.28 | 40.34 | 20.20 | 23.22 | - |
Q2 2015 | 320.04 | 179.49 | 40.35 | 19.74 | 25.31 | - |
Q3 2015 | 309.89 | 184.09 | 43.80 | 14.69 | 13.92 | - |
Q4 2015 | 320.79 | 195.70 | 37.65 | 19.96 | 14.03 | - |
Q1 2016 | 325.02 | 199.98 | 57.52 | 19.95 | 24.53 | - |
Q2 2016 | 325.63 | 196.32 | 65.10 | 17.66 | 36.80 | - |
Q3 2016 | 322.86 | 194.82 | 62.14 | 20.17 | 38.57 | - |
Q4 2016 | 320.78 | 204.70 | 67.19 | 35.17 | 52.54 | - |
Q1 2017 | 373.21 | 208.07 | 46.09 | 23.84 | 39.56 | - |
Q2 2017 | 389.03 | 231.87 | 50.14 | 23.39 | 27.15 | - |
Q3 2017 | 403.93 | 239.47 | 58.53 | 31.11 | 29.99 | - |
Q4 2017 | 407.18 | 254.39 | 92.68 | 27.28 | 2.67 | - |
Q1 2018 | 444.39 | 220.57 | 98.48 | 27.54 | - | - |
Q2 2018 | 501.84 | 237.48 | 76.77 | 26.59 | - | - |
Q3 2018 | 450.55 | 236.16 | 130.40 | 63.14 | - | - |
Q4 2018 | 499.72 | 268.64 | 84.16 | 49.59 | - | - |
Q1 2019 | 549.39 | 245.51 | 84.22 | 42.29 | - | - |
Q2 2019 | 553.05 | 258.59 | 117.55 | 30.07 | - | - |
Q3 2019 | 606.26 | 251.55 | 117.39 | 48.45 | - | - |
Q4 2019 | 573.12 | 301.39 | 107.44 | 59.10 | - | - |
Q1 2020 | 628.34 | 253.41 | 71.72 | 50.69 | - | - |
Q2 2020 | 623.10 | 239.28 | 108.84 | 28.28 | - | - |
Q3 2020 | 704.29 | 237.06 | 129.94 | 47.20 | - | - |
Q4 2020 | 659.21 | 274.76 | 150.74 | 55.19 | - | - |
Q1 2021 | 742.32 | 213.15 | 123.35 | 54.16 | - | - |
Q2 2021 | 736.02 | 185.65 | 143.29 | 66.07 | - | - |
Q3 2021 | 796.65 | 202.47 | 125.84 | 48.15 | - | - |
Q4 2021 | 647.23 | 180.52 | 248.71 | 70.36 | - | - |
Q1 2022 | 750.34 | 257.89 | 189.77 | 66.51 | - | - |
Q2 2022 | 719.71 | 303.30 | 180.44 | 49.31 | - | - |
Q3 2022 | 760.58 | 354.95 | 162.93 | 47.03 | - | - |
Q4 2022 | 537.37 | 498.14 | 208.69 | 104.47 | - | - |
Q1 2023 | 610.53 | 407.31 | 250.45 | 67.32 | - | - |
Q2 2023 | 610.36 | 428.65 | 173.56 | 81.48 | - | - |
Q3 2023 | 558.66 | 501.65 | 205.94 | 69.58 | - | - |
Q4 2023 | 469.22 | 524.93 | 260.69 | 82.46 | - | - |
Q1 2024 | 517.59 | 449.01 | 281.40 | 93.35 | - | - |
Q2 2024 | 557.75 | 447.28 | 308.02 | 94.69 | - | - |
Q3 2024 | 599.42 | 489.90 | 248.28 | 108.68 | - | - |
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Investment Banking and Brokerage | Others | Remittances ( Enjaz Centers) |
---|---|---|---|---|---|---|
2014 | 1,135.83 | 636.19 | 138.09 | 79.21 | 107.73 | - |
2015 | 1,247.86 | 733.56 | 162.13 | 74.60 | 76.48 | - |
2016 | 1,294.29 | 795.81 | 251.96 | 92.95 | 152.43 | - |
2017 | 1,573.35 | 933.80 | 247.44 | 105.61 | 99.38 | - |
2018 | 1,896.50 | 962.86 | 389.80 | 166.86 | - | - |
2019 | 2,281.82 | 1,057.03 | 426.59 | 179.91 | - | - |
2020 | 2,614.93 | 1,004.52 | 461.24 | 181.36 | - | - |
2021 | 2,922.22 | 781.80 | 641.19 | 238.74 | - | - |
2022 | 2,768.00 | 1,414.28 | 741.83 | 267.33 | - | - |
2023 | 2,248.77 | 1,862.54 | 890.64 | 300.84 | - | - |
Analysts Estimates (Million)
Analysts Estimates (Million)
Item | Q3 2024 (e) | Q3 2024 (a) | Change |
---|---|---|---|
Average | 688.49 | 702.69 | 2.06 % |
Estimates vs Actual (Million)
Estimates Accuracy
Item | Q3 2024 (e) | Q3 2024 (a) | Change |
---|---|---|---|
YAQEEN | 695.00 | 702.69 | 1.1 % |
Riyad Capital | 681.00 | 702.69 | 3.2 % |
SNB Capital | 679.00 | 702.69 | 3.5 % |
AlJazira Capital | 678.00 | 702.69 | 3.6 % |
Hermes | 674.00 | 702.69 | 4.3 % |
Value Capital | 669.88 | 702.69 | 4.9 % |
OSOOL AND BAKHEET | 742.52 | 702.69 | (5.4) % |
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