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Real Estate Mgmt & Dev't
Food & Beverages
- 9515 - FESH FASH
- 9532 - ALJOUF WATER
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- 9564 - HORIZON FOOD
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- 9612 - SAMA WATER
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- 9527 - AME
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- 9594 - ALMODAWAT
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- 9587 - LANA
- 9600 - QOMEL
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Arab National Bank’s (ANB) net profit rose to SAR 3.13 billion in the first nine months of 2023, a 37% increase from SAR 2.28 billion in the year-earlier period.
Financials (M)
Item | 9m 2022 | 9m 2023 | Change |
---|---|---|---|
Net Special Commission Income | 3,991.11 | 5,393.58 | 35.1 % |
Operating Income | 4,943.51 | 6,314.85 | 27.7 % |
Total Provisions | (607.36) | (755.21) | (24.3 %) |
Net Income | 2,279.53 | 3,129.80 | 37.3 % |
Average Shares | 2,000.00 | 2,000.00 | - |
EPS (Riyals) | 1.14 | 1.56 | 37.3 % |
EPS Diluted (Riyals) | 1.14 | 1.56 | 37.3 % |
The net profit increase was driven by a rise in net special commission income, net gains/losses on sale of investments in non-trading instruments, net fees and commission income and net other operating income.
This was offset by the increase in net impairment charge for expected credit losses and other provisions, along with a rise in general and administrative expenses, salaries and employee related expenses, depreciation and amortization, and, rent and premises related expenses. Meanwhile, net gains on FVSI financial instruments decreased, along with declines in dividend income, net trading income and net exchange income.
Current Quarter Comparison (M)
Item | Q3 2022 | Q3 2023 | Change |
---|---|---|---|
Net Special Commission Income | 1,496.80 | 1,866.11 | 24.7 % |
Operating Income | 1,815.36 | 2,202.46 | 21.3 % |
Debt Provisions | (166.54) | (239.72) | (43.9 %) |
Net Income | 921.11 | 1,076.24 | 16.8 % |
Average Shares | 2,000.00 | 2,000.00 | - |
EPS (Riyals) | 0.46 | 0.54 | 16.8 % |
EPS Diluted (Riyal) | 0.46 | 0.54 | 16.8 % |
Item | Q2 2023 | Q3 2023 | Change |
---|---|---|---|
Net Special Commission Income | 1,763.50 | 1,866.11 | 5.8 % |
Operating Income | 2,087.78 | 2,202.46 | 5.5 % |
Debt Provisions | (271.66) | (239.72) | 11.8 % |
Net Income | 985.98 | 1,076.24 | 9.2 % |
Average Shares | 2,000.00 | 2,000.00 | - |
EPS (Riyals) | 0.49 | 0.54 | 9.2 % |
EPS Diluted (Riyal) | 0.49 | 0.54 | 9.1 % |
The bank’s net profit jumped 17% to SAR 1.07 billion in Q3 2023, from SAR 921.11 million in Q3 2022.
Sequentially, net profit in Q3 2023 inched up 9.1% from SAR 985.98 million in Q2 2023.
Balance Sheet (B)
Item | 9m 2022 | 9m 2023 | Change |
---|---|---|---|
Assets | 207.27 | 218.19 | 5.3 % |
Customer Deposits | 147.81 | 154.22 | 4.3 % |
Loan | 145.47 | 149.37 | 2.7 % |
Shareholders’ equity, excluding minority interest, stood at SAR 33.73 billion by the end of Q3 2023, compared to SAR 31.74 billion in the year-earlier 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 - 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
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- 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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- 1050 - BSF
- 1060 - SAB
- 1080 - ANB
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- 1183 - SHL
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- 8100 - SAICO
- 8120 - GULF UNION ALAHLIA
- 8200 - SAUDI RE
- 8160 - AICC
- 8250 - GIG
- 8240 - CHUBB
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- 8300 - WATANIYA
- 8310 - AMANA INSURANCE
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- 8313 - RASAN
- 4330 - RIYAD REIT
- 4331 - ALJAZIRA REIT
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- 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
- 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
Arab National Bank (ANB)
Current | |
Market Cap (M Riyal) | 39,800.00 |
Shares Outstanding ((M)) | 2,000.00 |
EPS ( Riyal) (TTM) | 2.33 |
EPS Diluted ( Riyal) (TTM) | 2.33 |
Book Value (BV) ( Riyal) | 18.19 |
Par Value ( Riyal) | 10.00 |
Adjusted P/E (Last12) | 8.09 |
P/E (TTM) | 8.56 |
Price/book | 1.09 |
Return on Average Assets (%) (TTM) | 2.0 |
Return on Average Equity (%) (TTM) | 13.3 |
Financial results (Million)
Financial results (Million)
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
Q1 2014 | 857.18 | 10.6 % | 1,308.77 | 3.2 % | (106.05) | 0.2 % |
Q2 2014 | 904.11 | 8.0 % | 1,385.51 | 9.7 % | (106.55) | (62.6 %) |
Q3 2014 | 919.16 | 4.8 % | 1,365.49 | 8.0 % | (121.91) | 33.2 % |
Q4 2014 | 942.18 | 6.3 % | 1,447.80 | 10.3 % | (216.37) | 20.7 % |
2014 | 3,622.62 | 7.3 % | 5,507.58 | 7.8 % | (550.88) | 12.1 % |
Q1 2015 | 979.64 | 14.3 % | 1,503.23 | 14.9 % | (137.09) | (29.3 %) |
Q2 2015 | 969.88 | 7.3 % | 1,502.33 | 8.4 % | (135.75) | (27.4 %) |
Q3 2015 | 994.54 | 8.2 % | 1,470.28 | 7.7 % | (130.61) | (7.1 %) |
Q4 2015 | 900.78 | (4.4 %) | 1,305.70 | (9.8 %) | (172.05) | 20.5 % |
2015 | 3,844.84 | 6.1 % | 5,781.13 | 5.0 % | (575.50) | (4.5 %) |
Q1 2016 | 961.68 | (1.8 %) | 1,447.29 | (3.7 %) | (124.78) | 9.0 % |
Q2 2016 | 1,086.22 | 12.0 % | 1,517.60 | 1.0 % | (140.53) | (3.5 %) |
Q3 2016 | 1,066.96 | 7.3 % | 1,493.97 | 1.6 % | (195.83) | (49.9 %) |
Q4 2016 | 1,030.63 | 14.4 % | 1,395.27 | 6.9 % | (265.00) | (54.0 %) |
2016 | 4,145.49 | 7.8 % | 5,854.14 | 1.3 % | (726.14) | (26.2 %) |
Q1 2017 | 1,068.92 | 11.2 % | 1,480.58 | 2.3 % | (176.90) | (41.8 %) |
Q2 2017 | 1,215.37 | 11.9 % | 1,635.96 | 7.8 % | (266.68) | (89.8 %) |
Q3 2017 | 1,183.94 | 11.0 % | 1,676.75 | 12.2 % | (327.63) | (67.3 %) |
Q4 2017 | 1,196.53 | 16.1 % | 1,584.65 | 13.6 % | (377.58) | (42.5 %) |
2017 | 4,664.75 | 12.5 % | 6,377.94 | 8.9 % | (1,148.79) | (58.2 %) |
Q1 2018 | 1,194.12 | 11.7 % | 1,533.16 | 3.6 % | (174.86) | 1.2 % |
Q2 2018 | 1,271.67 | 4.6 % | 1,646.25 | 0.6 % | (174.37) | 34.6 % |
Q3 2018 | 1,322.57 | 11.7 % | 1,683.93 | 0.4 % | (241.82) | 26.2 % |
Q4 2018 | 1,363.08 | 13.9 % | 1,671.49 | 5.5 % | (407.28) | (7.9 %) |
2018 | 5,151.44 | 10.4 % | 6,534.82 | 2.5 % | (998.32) | 13.1 % |
Q1 2019 | 1,364.84 | 14.3 % | 1,633.15 | 6.5 % | (147.99) | 15.4 % |
Q2 2019 | 1,437.47 | 13.0 % | 1,733.94 | 5.3 % | (187.58) | (7.6 %) |
Q3 2019 | 1,410.44 | 6.6 % | 1,736.71 | 3.1 % | (210.36) | 13.0 % |
Q4 2019 | 1,340.20 | (1.7 %) | 1,629.03 | (2.5 %) | (424.67) | (4.3 %) |
2019 | 5,552.94 | 7.8 % | 6,732.84 | 3.0 % | (970.60) | 2.8 % |
Q1 2020 | 1,290.76 | (5.4 %) | 1,489.61 | (8.8 %) | (198.35) | (34.0 %) |
Q2 2020 | 1,199.05 | (16.6 %) | 1,469.73 | (15.2 %) | (345.43) | (84.1 %) |
Q3 2020 | 1,210.64 | (14.2 %) | 1,463.83 | (15.7 %) | (203.68) | 3.2 % |
Q4 2020 | 1,168.21 | (12.8 %) | 1,401.07 | (14.0 %) | (534.74) | (25.9 %) |
2020 | 4,868.66 | (12.3 %) | 5,824.24 | (13.5 %) | (1,282.20) | (32.1 %) |
Q1 2021 | 1,179.55 | (8.6 %) | 1,423.15 | (4.5 %) | (335.01) | (68.9 %) |
Q2 2021 | 1,130.18 | (5.7 %) | 1,381.21 | (6.0 %) | (290.67) | 15.9 % |
Q3 2021 | 1,252.35 | 3.4 % | 1,453.66 | (0.7 %) | (190.54) | 6.5 % |
Q4 2021 | 1,109.95 | (5.0 %) | 1,333.91 | (4.8 %) | (214.28) | 59.9 % |
2021 | 4,672.03 | (4.0 %) | 5,591.94 | (4.0 %) | (1,030.51) | 19.6 % |
Q1 2022 | 1,184.51 | 0.4 % | 1,454.53 | 2.2 % | (152.01) | 54.6 % |
Q2 2022 | 1,309.80 | 15.9 % | 1,673.62 | 21.2 % | (288.81) | 0.6 % |
Q3 2022 | 1,496.80 | 19.5 % | 1,815.36 | 24.9 % | (166.54) | 12.6 % |
Q4 2022 | 1,645.35 | 48.2 % | 1,918.74 | 43.8 % | (262.14) | (22.3 %) |
2022 | 5,636.45 | 20.6 % | 6,862.24 | 22.7 % | (869.50) | 15.6 % |
Q1 2023 | 1,763.97 | 48.9 % | 2,024.61 | 39.2 % | (243.83) | (60.4 %) |
Q2 2023 | 1,763.50 | 34.6 % | 2,087.78 | 24.7 % | (271.66) | 5.9 % |
Q3 2023 | 1,866.11 | 24.7 % | 2,202.46 | 21.3 % | (239.72) | (43.9 %) |
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
2013 | 3,374.90 | 3.5 % | 5,109.55 | 7.4 % | (626.99) | (20.2 %) |
2014 | 3,622.62 | 7.3 % | 5,507.58 | 7.8 % | (550.88) | 12.1 % |
2015 | 3,844.84 | 6.1 % | 5,781.13 | 5.0 % | (575.50) | (4.5 %) |
2016 | 4,145.49 | 7.8 % | 5,854.14 | 1.3 % | (726.14) | (26.2 %) |
2017 | 4,664.75 | 12.5 % | 6,377.94 | 8.9 % | (1,148.79) | (58.2 %) |
2018 | 5,151.44 | 10.4 % | 6,534.82 | 2.5 % | (998.32) | 13.1 % |
2019 | 5,552.94 | 7.8 % | 6,732.84 | 3.0 % | (970.60) | 2.8 % |
2020 | 4,868.66 | (12.3 %) | 5,824.24 | (13.5 %) | (1,282.20) | (32.1 %) |
2021 | 4,672.03 | (4.0 %) | 5,591.94 | (4.0 %) | (1,030.51) | 19.6 % |
2022 | 5,636.45 | 20.6 % | 6,862.24 | 22.7 % | (869.50) | 15.6 % |
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 | 712.86 | 5.0 % | 0.36 | - | 712.86 | 0.36 |
Q2 2014 | 785.44 | 9.4 % | 0.39 | - | 785.44 | 0.39 |
Q3 2014 | 747.93 | 26.9 % | 0.37 | - | 747.93 | 0.37 |
Q4 2014 | 628.82 | 17.2 % | 0.31 | - | 628.82 | 0.31 |
2014 | 2,875.05 | 14.0 % | 1.44 | - | 2,875.05 | 1.44 |
Q1 2015 | 770.55 | 8.1 % | 0.39 | - | 770.55 | 0.39 |
Q2 2015 | 835.31 | 6.3 % | 0.42 | - | 835.31 | 0.42 |
Q3 2015 | 764.20 | 2.2 % | 0.38 | - | 764.20 | 0.38 |
Q4 2015 | 594.35 | (5.5 %) | 0.30 | - | 594.35 | 0.30 |
2015 | 2,964.42 | 3.1 % | 1.48 | - | 2,964.42 | 1.48 |
Q1 2016 | 749.19 | (2.8 %) | 0.37 | - | 749.19 | 0.37 |
Q2 2016 | 817.98 | (2.1 %) | 0.41 | - | 817.98 | 0.41 |
Q3 2016 | 721.67 | (5.6 %) | 0.36 | - | 721.67 | 0.36 |
Q4 2016 | 565.06 | (4.9 %) | 0.28 | - | 565.06 | 0.28 |
2016 | 2,853.90 | (3.7 %) | 1.43 | - | 2,853.90 | 1.43 |
Q1 2017 | 768.05 | 2.5 % | 0.38 | - | 768.05 | 0.38 |
Q2 2017 | 849.04 | 3.8 % | 0.42 | - | 849.04 | 0.42 |
Q3 2017 | 775.46 | 7.5 % | 0.39 | - | 775.46 | 0.39 |
Q4 2017 | 634.43 | 12.3 % | 0.32 | - | 634.43 | 0.32 |
2017 | 3,026.97 | 6.1 % | 1.51 | - | 3,026.97 | 1.51 |
Q1 2018 | 664.38 | (13.5 %) | 0.33 | - | 664.38 | 0.33 |
Q2 2018 | 747.22 | (12.0 %) | 0.37 | - | 747.22 | 0.37 |
Q3 2018 | 731.11 | (5.7 %) | 0.37 | - | 731.11 | 0.37 |
Q4 2018 | 1,826.30 | 187.9 % | 0.91 | 1,113.26 | 713.04 | 0.36 |
2018 | 3,969.01 | 31.1 % | 1.98 | 1,113.26 | 2,855.75 | 1.43 |
Q1 2019 | 778.97 | 17.2 % | 0.39 | - | 778.97 | 0.39 |
Q2 2019 | 894.24 | 19.7 % | 0.45 | - | 894.24 | 0.45 |
Q3 2019 | 834.76 | 14.2 % | 0.42 | - | 834.76 | 0.42 |
Q4 2019 | 515.26 | (71.8 %) | 0.26 | - | 515.26 | 0.26 |
2019 | 3,023.24 | (23.8 %) | 1.51 | - | 3,023.24 | 1.51 |
Q1 2020 | 643.79 | (17.4 %) | 0.32 | - | 643.79 | 0.32 |
Q2 2020 | 485.95 | (45.7 %) | 0.24 | - | 485.95 | 0.24 |
Q3 2020 | 668.60 | (19.9 %) | 0.33 | - | 668.60 | 0.33 |
Q4 2020 | 273.87 | (46.8 %) | 0.14 | - | 273.87 | 0.14 |
2020 | 2,072.21 | (31.5 %) | 1.04 | - | 2,072.21 | 1.04 |
Q1 2021 | 582.23 | (9.6 %) | 0.29 | 133.20 | 449.03 | 0.22 |
Q2 2021 | 472.76 | (2.7 %) | 0.24 | - | 472.76 | 0.24 |
Q3 2021 | 665.35 | (0.5 %) | 0.33 | 25.57 | 639.78 | 0.32 |
Q4 2021 | 456.35 | 66.6 % | 0.23 | 13.81 | 442.54 | 0.22 |
2021 | 2,176.59 | 5.0 % | 1.09 | 172.58 | 2,004.01 | 1.00 |
Q1 2022 | 650.72 | 11.8 % | 0.33 | 36.05 | 614.67 | 0.31 |
Q2 2022 | 707.69 | 49.7 % | 0.35 | - | 707.69 | 0.35 |
Q3 2022 | 921.11 | 38.4 % | 0.46 | - | 921.11 | 0.46 |
Q4 2022 | 790.88 | 73.3 % | 0.40 | - | 790.88 | 0.40 |
2022 | 3,070.41 | 41.1 % | 1.54 | 36.05 | 3,034.36 | 1.52 |
Q1 2023 | 1,067.58 | 64.1 % | 0.53 | 105.88 | 961.71 | 0.48 |
Q2 2023 | 985.98 | 39.3 % | 0.49 | - | 985.98 | 0.49 |
Q3 2023 | 1,076.24 | 16.8 % | 0.54 | - | 1,076.24 | 0.54 |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
2013 | 2,522.50 | 6.4 % | 1.26 | - | 2,522.50 | 1.26 |
2014 | 2,875.05 | 14.0 % | 1.44 | - | 2,875.05 | 1.44 |
2015 | 2,964.42 | 3.1 % | 1.48 | - | 2,964.42 | 1.48 |
2016 | 2,853.90 | (3.7 %) | 1.43 | - | 2,853.90 | 1.43 |
2017 | 3,026.97 | 6.1 % | 1.51 | - | 3,026.97 | 1.51 |
2018 | 3,969.01 | 31.1 % | 1.98 | 1,113.26 | 2,855.75 | 1.43 |
2019 | 3,023.24 | (23.8 %) | 1.51 | - | 3,023.24 | 1.51 |
2020 | 2,072.21 | (31.5 %) | 1.04 | - | 2,072.21 | 1.04 |
2021 | 2,176.59 | 5.0 % | 1.09 | 172.58 | 2,004.01 | 1.00 |
2022 | 3,070.41 | 41.1 % | 1.54 | 36.05 | 3,034.36 | 1.52 |
Balance Sheet (B)
Balance Sheet Performance (B)
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
Q1 2014 | 150.50 | 12.6 % | 117.54 | 7.7 % | 87.42 | 1.7 % |
Q2 2014 | 142.67 | 4.8 % | 109.19 | 6.0 % | 91.74 | 7.2 % |
Q3 2014 | 149.94 | 8.7 % | 114.69 | 9.0 % | 96.04 | 11.5 % |
Q4 2014 | 164.67 | 19.4 % | 129.63 | 21.9 % | 103.72 | 17.3 % |
Q1 2015 | 164.79 | 9.5 % | 131.23 | 11.6 % | 108.85 | 24.5 % |
Q2 2015 | 166.43 | 16.7 % | 132.42 | 21.3 % | 111.49 | 21.5 % |
Q3 2015 | 164.86 | 10.0 % | 132.60 | 15.6 % | 113.28 | 17.9 % |
Q4 2015 | 170.42 | 3.5 % | 135.76 | 4.7 % | 115.66 | 11.5 % |
Q1 2016 | 166.59 | 1.1 % | 132.03 | 0.6 % | 116.04 | 6.6 % |
Q2 2016 | 166.58 | 0.1 % | 129.16 | (2.5 %) | 117.88 | 5.7 % |
Q3 2016 | 167.26 | 1.5 % | 128.24 | (3.3 %) | 115.62 | 2.1 % |
Q4 2016 | 170.01 | (0.2 %) | 135.91 | 0.1 % | 115.51 | (0.1 %) |
Q1 2017 | 168.43 | 1.1 % | 131.84 | (0.1 %) | 116.04 | 0.0 % |
Q2 2017 | 171.03 | 2.7 % | 130.75 | 1.2 % | 114.88 | (2.5 %) |
Q3 2017 | 163.64 | (2.2 %) | 128.55 | 0.2 % | 115.93 | 0.3 % |
Q4 2017 | 171.70 | 1.0 % | 136.05 | 0.1 % | 114.54 | (0.8 %) |
Q1 2018 | 168.40 | 0.0 % | 130.03 | (1.4 %) | 113.06 | (2.6 %) |
Q2 2018 | 167.85 | (1.9 %) | 129.24 | (1.2 %) | 117.49 | 2.3 % |
Q3 2018 | 170.03 | 3.9 % | 130.97 | 1.9 % | 120.49 | 3.9 % |
Q4 2018 | 178.35 | 3.9 % | 142.06 | 4.4 % | 121.04 | 5.7 % |
Q1 2019 | 168.68 | 0.2 % | 130.31 | 0.2 % | 120.19 | 6.3 % |
Q2 2019 | 170.90 | 1.8 % | 131.91 | 2.1 % | 119.75 | 1.9 % |
Q3 2019 | 170.93 | 0.5 % | 130.92 | 0.0 % | 117.88 | (2.2 %) |
Q4 2019 | 183.44 | 2.9 % | 142.13 | 0.1 % | 118.84 | (1.8 %) |
Q1 2020 | 184.87 | 9.6 % | 135.98 | 4.4 % | 119.94 | (0.2 %) |
Q2 2020 | 187.30 | 9.6 % | 133.90 | 1.5 % | 117.13 | (2.2 %) |
Q3 2020 | 188.53 | 10.3 % | 136.72 | 4.4 % | 118.06 | 0.2 % |
Q4 2020 | 180.40 | (1.7 %) | 129.35 | (9.0 %) | 113.36 | (4.6 %) |
Q1 2021 | 177.44 | (4.0 %) | 125.16 | (8.0 %) | 115.56 | (3.7 %) |
Q2 2021 | 181.88 | (2.9 %) | 130.22 | (2.7 %) | 117.83 | 0.6 % |
Q3 2021 | 182.27 | (3.3 %) | 129.39 | (5.4 %) | 120.02 | 1.7 % |
Q4 2021 | 192.50 | 6.7 % | 135.71 | 4.9 % | 126.67 | 11.7 % |
Q1 2022 | 204.62 | 15.3 % | 148.14 | 18.4 % | 138.64 | 20.0 % |
Q2 2022 | 209.83 | 15.4 % | 146.79 | 12.7 % | 143.06 | 21.4 % |
Q3 2022 | 207.27 | 13.7 % | 147.81 | 14.2 % | 145.47 | 21.2 % |
Q4 2022 | 212.63 | 10.5 % | 154.87 | 14.1 % | 143.83 | 13.5 % |
Q1 2023 | 214.04 | 4.6 % | 155.25 | 4.8 % | 144.73 | 4.4 % |
Q2 2023 | 215.98 | 2.9 % | 158.38 | 7.9 % | 148.85 | 4.1 % |
Q3 2023 | 218.19 | 5.3 % | 154.22 | 4.3 % | 149.37 | 2.7 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
3m 2014 | 150.50 | 12.6 % | 117.54 | 7.7 % | 87.42 | 1.7 % |
6m 2014 | 142.67 | 4.8 % | 109.19 | 6.0 % | 91.74 | 7.2 % |
9m 2014 | 149.94 | 8.7 % | 114.69 | 9.0 % | 96.04 | 11.5 % |
12m 2014 | 164.67 | 19.4 % | 129.63 | 21.9 % | 103.72 | 17.3 % |
3m 2015 | 164.79 | 9.5 % | 131.23 | 11.6 % | 108.85 | 24.5 % |
6m 2015 | 166.43 | 16.7 % | 132.42 | 21.3 % | 111.49 | 21.5 % |
9m 2015 | 164.86 | 10.0 % | 132.60 | 15.6 % | 113.28 | 17.9 % |
12m 2015 | 170.42 | 3.5 % | 135.76 | 4.7 % | 115.66 | 11.5 % |
3m 2016 | 166.59 | 1.1 % | 132.03 | 0.6 % | 116.04 | 6.6 % |
6m 2016 | 166.58 | 0.1 % | 129.16 | (2.5 %) | 117.88 | 5.7 % |
9m 2016 | 167.26 | 1.5 % | 128.24 | (3.3 %) | 115.62 | 2.1 % |
12m 2016 | 170.01 | (0.2 %) | 135.91 | 0.1 % | 115.51 | (0.1 %) |
3m 2017 | 168.43 | 1.1 % | 131.84 | (0.1 %) | 116.04 | 0.0 % |
6m 2017 | 171.03 | 2.7 % | 130.75 | 1.2 % | 114.88 | (2.5 %) |
9m 2017 | 163.64 | (2.2 %) | 128.55 | 0.2 % | 115.93 | 0.3 % |
12m 2017 | 171.70 | 1.0 % | 136.05 | 0.1 % | 114.54 | (0.8 %) |
3m 2018 | 168.40 | 0.0 % | 130.03 | (1.4 %) | 113.06 | (2.6 %) |
6m 2018 | 167.85 | (1.9 %) | 129.24 | (1.2 %) | 117.49 | 2.3 % |
9m 2018 | 170.03 | 3.9 % | 130.97 | 1.9 % | 120.49 | 3.9 % |
12m 2018 | 178.35 | 3.9 % | 142.06 | 4.4 % | 121.04 | 5.7 % |
3m 2019 | 168.68 | 0.2 % | 130.31 | 0.2 % | 120.19 | 6.3 % |
6m 2019 | 170.90 | 1.8 % | 131.91 | 2.1 % | 119.75 | 1.9 % |
9m 2019 | 170.93 | 0.5 % | 130.92 | 0.0 % | 117.88 | (2.2 %) |
12m 2019 | 183.44 | 2.9 % | 142.13 | 0.1 % | 118.84 | (1.8 %) |
3m 2020 | 184.87 | 9.6 % | 135.98 | 4.4 % | 119.94 | (0.2 %) |
6m 2020 | 187.30 | 9.6 % | 133.90 | 1.5 % | 117.13 | (2.2 %) |
9m 2020 | 188.53 | 10.3 % | 136.72 | 4.4 % | 118.06 | 0.2 % |
12m 2020 | 180.40 | (1.7 %) | 129.35 | (9.0 %) | 113.36 | (4.6 %) |
3m 2021 | 177.44 | (4.0 %) | 125.16 | (8.0 %) | 115.56 | (3.7 %) |
6m 2021 | 181.88 | (2.9 %) | 130.22 | (2.7 %) | 117.83 | 0.6 % |
9m 2021 | 182.27 | (3.3 %) | 129.39 | (5.4 %) | 120.02 | 1.7 % |
12m 2021 | 192.50 | 6.7 % | 135.71 | 4.9 % | 126.67 | 11.7 % |
3m 2022 | 204.62 | 15.3 % | 148.14 | 18.4 % | 138.64 | 20.0 % |
6m 2022 | 209.83 | 15.4 % | 146.79 | 12.7 % | 143.06 | 21.4 % |
9m 2022 | 207.27 | 13.7 % | 147.81 | 14.2 % | 145.47 | 21.2 % |
12m 2022 | 212.63 | 10.5 % | 154.87 | 14.1 % | 143.83 | 13.5 % |
3m 2023 | 214.04 | 4.6 % | 155.25 | 4.8 % | 144.73 | 4.4 % |
6m 2023 | 215.98 | 2.9 % | 158.38 | 7.9 % | 148.85 | 4.1 % |
9m 2023 | 218.19 | 5.3 % | 154.22 | 4.3 % | 149.37 | 2.7 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
2013 | 137.94 | 0.9 % | 106.37 | (1.1 %) | 88.46 | 2.5 % |
2014 | 164.67 | 19.4 % | 129.63 | 21.9 % | 103.72 | 17.3 % |
2015 | 170.42 | 3.5 % | 135.76 | 4.7 % | 115.66 | 11.5 % |
2016 | 170.01 | (0.2 %) | 135.91 | 0.1 % | 115.51 | (0.1 %) |
2017 | 171.70 | 1.0 % | 136.05 | 0.1 % | 114.54 | (0.8 %) |
2018 | 178.35 | 3.9 % | 142.06 | 4.4 % | 121.04 | 5.7 % |
2019 | 183.44 | 2.9 % | 142.13 | 0.1 % | 118.84 | (1.8 %) |
2020 | 180.40 | (1.7 %) | 129.35 | (9.0 %) | 113.36 | (4.6 %) |
2021 | 192.50 | 6.7 % | 135.71 | 4.9 % | 126.67 | 11.7 % |
2022 | 212.63 | 10.5 % | 154.87 | 14.1 % | 143.83 | 13.5 % |
Profitability
Profitability
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
Q1 2014 | 1.80 % | 13.75 % | 67.12 % |
Q2 2014 | 1.88 % | 13.63 % | 66.84 % |
Q3 2014 | 1.93 % | 14.00 % | 66.38 % |
Q4 2014 | 1.90 % | 14.49 % | 65.78 % |
2014 | 1.90 % | 14.49 % | 65.78 % |
Q1 2015 | 1.86 % | 14.50 % | 65.68 % |
Q2 2015 | 1.93 % | 14.32 % | 65.49 % |
Q3 2015 | 1.91 % | 14.05 % | 65.61 % |
Q4 2015 | 1.77 % | 13.95 % | 66.50 % |
2015 | 1.77 % | 13.95 % | 66.51 % |
Q1 2016 | 1.78 % | 13.77 % | 66.84 % |
Q2 2016 | 1.76 % | 13.49 % | 68.69 % |
Q3 2016 | 1.74 % | 13.01 % | 69.66 % |
Q4 2016 | 1.68 % | 12.65 % | 70.81 % |
2016 | 1.68 % | 12.65 % | 70.81 % |
Q1 2017 | 1.71 % | 12.73 % | 72.23 % |
Q2 2017 | 1.72 % | 12.74 % | 72.96 % |
Q3 2017 | 1.79 % | 12.72 % | 72.70 % |
Q4 2017 | 1.77 % | 12.72 % | 73.14 % |
2017 | 1.77 % | 12.72 % | 73.14 % |
Q1 2018 | 1.74 % | 12.24 % | 74.49 % |
Q2 2018 | 1.67 % | 11.68 % | 75.24 % |
Q3 2018 | 1.66 % | 11.37 % | 77.31 % |
Q4 2018 | 2.27 % | 15.60 % | 78.83 % |
2018 | 2.27 % | 15.60 % | 78.83 % |
Q1 2019 | 2.42 % | 16.02 % | 80.22 % |
Q2 2019 | 2.50 % | 16.24 % | 81.64 % |
Q3 2019 | 2.54 % | 16.54 % | 82.30 % |
Q4 2019 | 1.67 % | 11.03 % | 82.48 % |
2019 | 1.67 % | 11.03 % | 82.48 % |
Q1 2020 | 1.63 % | 10.66 % | 83.15 % |
Q2 2020 | 1.38 % | 8.88 % | 82.85 % |
Q3 2020 | 1.29 % | 8.12 % | 83.29 % |
Q4 2020 | 1.14 % | 7.14 % | 83.59 % |
2020 | 1.14 % | 7.14 % | 83.59 % |
Q1 2021 | 1.11 % | 6.97 % | 82.63 % |
Q2 2021 | 1.08 % | 6.83 % | 82.70 % |
Q3 2021 | 1.08 % | 6.64 % | 83.59 % |
Q4 2021 | 1.17 % | 7.16 % | 83.55 % |
2021 | 1.17 % | 7.16 % | 83.55 % |
Q1 2022 | 1.18 % | 7.24 % | 83.17 % |
Q2 2022 | 1.27 % | 8.12 % | 82.10 % |
Q3 2022 | 1.40 % | 8.76 % | 81.26 % |
Q4 2022 | 1.52 % | 9.68 % | 82.14 % |
2022 | 1.52 % | 9.68 % | 82.14 % |
Q1 2023 | 1.67 % | 10.78 % | 83.63 % |
Q2 2023 | 1.77 % | 11.63 % | 85.00 % |
Q3 2023 | 1.84 % | 11.98 % | 85.49 % |
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
2013 | 1.84 % | 13.68 % | 66.05 % |
2014 | 1.90 % | 14.49 % | 65.78 % |
2015 | 1.77 % | 13.95 % | 66.51 % |
2016 | 1.68 % | 12.65 % | 70.81 % |
2017 | 1.77 % | 12.72 % | 73.14 % |
2018 | 2.27 % | 15.60 % | 78.83 % |
2019 | 1.67 % | 11.03 % | 82.48 % |
2020 | 1.14 % | 7.14 % | 83.59 % |
2021 | 1.17 % | 7.16 % | 83.55 % |
2022 | 1.52 % | 9.68 % | 82.14 % |
Ratios
Ratios
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
Q1 2014 | 78.10 % | 58.08 % | 74.37 % |
Q2 2014 | 76.53 % | 64.30 % | 84.02 % |
Q3 2014 | 76.49 % | 64.06 % | 83.74 % |
Q4 2014 | 78.72 % | 62.99 % | 80.01 % |
Q1 2015 | 79.63 % | 66.06 % | 82.95 % |
Q2 2015 | 79.57 % | 66.99 % | 84.20 % |
Q3 2015 | 80.43 % | 68.71 % | 85.43 % |
Q4 2015 | 79.66 % | 67.86 % | 85.19 % |
Q1 2016 | 79.25 % | 69.66 % | 87.89 % |
Q2 2016 | 77.54 % | 70.76 % | 91.26 % |
Q3 2016 | 76.67 % | 69.13 % | 90.17 % |
Q4 2016 | 79.94 % | 67.94 % | 84.99 % |
Q1 2017 | 78.27 % | 68.90 % | 88.02 % |
Q2 2017 | 76.45 % | 67.17 % | 87.87 % |
Q3 2017 | 78.55 % | 70.84 % | 90.19 % |
Q4 2017 | 79.24 % | 66.71 % | 84.19 % |
Q1 2018 | 77.21 % | 67.14 % | 86.95 % |
Q2 2018 | 77.00 % | 70.00 % | 90.91 % |
Q3 2018 | 77.03 % | 70.86 % | 92.00 % |
Q4 2018 | 79.65 % | 67.86 % | 85.20 % |
Q1 2019 | 77.25 % | 71.25 % | 92.23 % |
Q2 2019 | 77.19 % | 70.07 % | 90.78 % |
Q3 2019 | 76.60 % | 68.97 % | 90.04 % |
Q4 2019 | 77.48 % | 64.78 % | 83.61 % |
Q1 2020 | 73.56 % | 64.88 % | 88.20 % |
Q2 2020 | 71.49 % | 62.54 % | 87.48 % |
Q3 2020 | 72.52 % | 62.62 % | 86.35 % |
Q4 2020 | 71.70 % | 62.84 % | 87.64 % |
Q1 2021 | 70.54 % | 65.13 % | 92.33 % |
Q2 2021 | 71.60 % | 64.79 % | 90.49 % |
Q3 2021 | 70.99 % | 65.84 % | 92.75 % |
Q4 2021 | 70.50 % | 65.80 % | 93.34 % |
Q1 2022 | 72.40 % | 67.76 % | 93.59 % |
Q2 2022 | 69.96 % | 68.18 % | 97.45 % |
Q3 2022 | 71.31 % | 70.19 % | 98.42 % |
Q4 2022 | 72.84 % | 67.64 % | 92.87 % |
Q1 2023 | 72.53 % | 67.62 % | 93.22 % |
Q2 2023 | 73.33 % | 68.92 % | 93.99 % |
Q3 2023 | 70.68 % | 68.46 % | 96.86 % |
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
2013 | 77.12 % | 64.13 % | 83.16 % |
2014 | 78.72 % | 62.99 % | 80.01 % |
2015 | 79.66 % | 67.86 % | 85.19 % |
2016 | 79.94 % | 67.94 % | 84.99 % |
2017 | 79.24 % | 66.71 % | 84.19 % |
2018 | 79.65 % | 67.86 % | 85.20 % |
2019 | 77.48 % | 64.78 % | 83.61 % |
2020 | 71.70 % | 62.84 % | 87.64 % |
2021 | 70.50 % | 65.80 % | 93.34 % |
2022 | 72.84 % | 67.64 % | 92.87 % |
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 | 2,000.00 | 1.28 | 1.28 | - | 9.77 |
Q2 2014 | 2,000.00 | 1.31 | 1.31 | - | 10.14 |
Q3 2014 | 2,000.00 | 1.39 | 1.39 | - | 10.41 |
Q4 2014 | 2,000.00 | 1.44 | 1.44 | - | 10.30 |
Q1 2015 | 2,000.00 | 1.47 | 1.47 | - | 10.46 |
Q2 2015 | 2,000.00 | 1.49 | 1.49 | - | 10.69 |
Q3 2015 | 2,000.00 | 1.50 | 1.50 | - | 10.93 |
Q4 2015 | 2,000.00 | 1.48 | 1.48 | - | 10.95 |
Q1 2016 | 2,000.00 | 1.47 | 1.47 | - | 10.90 |
Q2 2016 | 2,000.00 | 1.46 | 1.46 | - | 10.99 |
Q3 2016 | 2,000.00 | 1.44 | 1.44 | - | 11.22 |
Q4 2016 | 2,000.00 | 1.43 | 1.43 | - | 11.62 |
Q1 2017 | 2,000.00 | 1.44 | 1.44 | - | 11.66 |
Q2 2017 | 2,000.00 | 1.45 | 1.45 | - | 11.80 |
Q3 2017 | 2,000.00 | 1.48 | 1.48 | - | 12.02 |
Q4 2017 | 2,000.00 | 1.51 | 1.51 | - | 12.18 |
Q1 2018 | 2,000.00 | 1.46 | 1.46 | - | 12.23 |
Q2 2018 | 2,000.00 | 1.41 | 1.41 | - | 12.36 |
Q3 2018 | 2,000.00 | 1.39 | 1.39 | - | 12.39 |
Q4 2018 | 2,000.00 | 1.98 | 1.43 | - | 13.26 |
Q1 2019 | 2,000.00 | 2.04 | 1.49 | - | 13.25 |
Q2 2019 | 2,000.00 | 2.12 | 1.56 | - | 13.70 |
Q3 2019 | 2,000.00 | 2.17 | 1.61 | - | 13.81 |
Q4 2019 | 2,000.00 | 1.51 | 1.51 | 1.51 | 14.15 |
Q1 2020 | 2,000.00 | 1.44 | 1.44 | 1.44 | 13.84 |
Q2 2020 | 2,000.00 | 1.24 | 1.24 | 1.24 | 14.21 |
Q3 2020 | 2,000.00 | 1.16 | 1.16 | 1.16 | 14.67 |
Q4 2020 | 2,000.00 | 1.04 | 1.04 | 1.04 | 14.87 |
Q1 2021 | 2,000.00 | 1.01 | 0.94 | 1.01 | 14.99 |
Q2 2021 | 2,000.00 | 1.00 | 0.93 | 1.00 | 15.02 |
Q3 2021 | 2,000.00 | 1.00 | 0.92 | 1.00 | 15.37 |
Q4 2021 | 2,000.00 | 1.09 | 1.00 | 1.09 | 15.55 |
Q1 2022 | 2,000.00 | 1.12 | 1.08 | 1.12 | 16.02 |
Q2 2022 | 2,000.00 | 1.24 | 1.20 | 1.24 | 15.51 |
Q3 2022 | 2,000.00 | 1.37 | 1.34 | 1.37 | 15.87 |
Q4 2022 | 2,000.00 | 1.54 | 1.52 | 1.54 | 16.17 |
Q1 2023 | 2,000.00 | 1.74 | 1.69 | 1.74 | 16.32 |
Q2 2023 | 2,000.00 | 1.88 | 1.83 | 1.88 | 16.86 |
Q3 2023 | 2,000.00 | 1.96 | 1.91 | 1.96 | 16.87 |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
2013 | 2,000.00 | 1.26 | 1.26 | - | 9.54 |
2014 | 2,000.00 | 1.44 | 1.44 | - | 10.30 |
2015 | 2,000.00 | 1.48 | 1.48 | - | 10.95 |
2016 | 2,000.00 | 1.43 | 1.43 | - | 11.62 |
2017 | 2,000.00 | 1.51 | 1.51 | - | 12.18 |
2018 | 2,000.00 | 1.98 | 1.43 | - | 13.26 |
2019 | 2,000.00 | 1.51 | 1.51 | 1.51 | 14.15 |
2020 | 2,000.00 | 1.04 | 1.04 | 1.04 | 14.87 |
2021 | 2,000.00 | 1.09 | 1.00 | 1.09 | 15.55 |
2022 | 2,000.00 | 1.54 | 1.52 | 1.54 | 16.17 |
Multiple Ratios (End of Period Price)
Ratios And Multiples
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
Q1 2014 | 11.73 | 11.73 | 1.54 |
Q2 2014 | 10.47 | 10.47 | 1.36 |
Q3 2014 | 12.21 | 12.21 | 1.63 |
Q4 2014 | 10.60 | 10.60 | 1.48 |
Q1 2015 | 10.97 | 10.97 | 1.54 |
Q2 2015 | 11.07 | 11.07 | 1.54 |
Q3 2015 | 9.06 | 9.06 | 1.24 |
Q4 2015 | 7.94 | 7.94 | 1.08 |
Q1 2016 | 6.57 | 6.57 | 0.89 |
Q2 2016 | 6.61 | 6.61 | 0.88 |
Q3 2016 | 5.38 | 5.38 | 0.69 |
Q4 2016 | 7.74 | 7.74 | 0.95 |
Q1 2017 | 6.92 | 6.92 | 0.85 |
Q2 2017 | 7.71 | 7.71 | 0.95 |
Q3 2017 | 8.13 | 8.13 | 1.00 |
Q4 2017 | 8.16 | 8.16 | 1.01 |
Q1 2018 | 10.01 | 10.01 | 1.20 |
Q2 2018 | 11.34 | 11.34 | 1.29 |
Q3 2018 | 11.89 | 11.89 | 1.33 |
Q4 2018 | 8.04 | 11.17 | 1.20 |
Q1 2019 | 9.08 | 12.49 | 1.40 |
Q2 2019 | 9.18 | 12.46 | 1.42 |
Q3 2019 | 8.30 | 11.17 | 1.30 |
Q4 2019 | 13.59 | 13.59 | 1.45 |
Q1 2020 | 9.50 | 9.50 | 0.99 |
Q2 2020 | 11.49 | 11.49 | 1.00 |
Q3 2020 | 13.13 | 13.13 | 1.04 |
Q4 2020 | 14.54 | 14.54 | 1.01 |
Q1 2021 | 15.57 | 16.68 | 1.04 |
Q2 2021 | 17.04 | 18.26 | 1.13 |
Q3 2021 | 17.26 | 18.76 | 1.12 |
Q4 2021 | 15.75 | 17.10 | 1.10 |
Q1 2022 | 18.56 | 19.21 | 1.30 |
Q2 2022 | 17.83 | 18.39 | 1.43 |
Q3 2022 | 16.85 | 17.16 | 1.45 |
Q4 2022 | 15.65 | 15.84 | 1.49 |
Q1 2023 | 11.09 | 11.44 | 1.19 |
Q2 2023 | 10.49 | 10.80 | 1.17 |
Q3 2023 | 9.18 | 9.43 | 1.07 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
2013 | 10.38 | 10.38 | 1.37 |
2014 | 10.60 | 10.60 | 1.48 |
2015 | 7.94 | 7.94 | 1.08 |
2016 | 7.74 | 7.74 | 0.95 |
2017 | 8.16 | 8.16 | 1.01 |
2018 | 8.04 | 11.17 | 1.20 |
2019 | 13.59 | 13.59 | 1.45 |
2020 | 14.54 | 14.54 | 1.01 |
2021 | 15.75 | 17.10 | 1.10 |
2022 | 15.65 | 15.84 | 1.49 |
Business Segments (Million)
Q3 2023
Revenue by Business Segment (Latest) 2023 Q3
2023
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Investment Banking and Brokerage | Others |
---|---|---|---|---|---|
Q1 2014 | 530.00 | 494.40 | 228.30 | 30.29 | 25.77 |
Q2 2014 | 572.57 | 487.50 | 241.95 | 36.78 | 46.72 |
Q3 2014 | 518.30 | 538.93 | 209.30 | 32.05 | 66.92 |
Q4 2014 | 557.14 | 584.24 | 204.62 | 36.03 | 65.77 |
Q1 2015 | 604.48 | 582.76 | 217.31 | 32.57 | 66.11 |
Q2 2015 | 618.24 | 562.31 | 222.91 | 43.47 | 55.41 |
Q3 2015 | 574.99 | 588.74 | 212.73 | 24.16 | 69.25 |
Q4 2015 | 492.59 | 501.26 | 200.27 | 40.69 | 70.89 |
Q1 2016 | 576.61 | 486.44 | 240.27 | 34.88 | 109.09 |
Q2 2016 | 604.07 | 545.00 | 277.04 | 35.39 | 56.11 |
Q3 2016 | 649.47 | 555.45 | 283.15 | 30.10 | (24.20) |
Q4 2016 | 501.36 | 421.55 | 232.26 | 72.18 | 167.92 |
Q1 2017 | 586.10 | 574.33 | 246.87 | 38.21 | 35.07 |
Q2 2017 | 615.57 | 638.56 | 264.29 | 44.64 | 72.91 |
Q3 2017 | 576.27 | 615.68 | 381.47 | 40.92 | 62.41 |
Q4 2017 | 611.91 | 615.33 | 244.65 | 43.90 | 68.86 |
Q1 2018 | 567.34 | 617.26 | 225.52 | 44.33 | 78.71 |
Q2 2018 | 582.69 | 589.89 | 308.47 | 60.70 | 104.50 |
Q3 2018 | 614.40 | 595.99 | 329.77 | 43.99 | 99.78 |
Q4 2018 | 692.39 | 667.69 | 212.00 | 59.36 | 40.05 |
Q1 2019 | 618.63 | 629.79 | 272.89 | 22.09 | 89.75 |
Q2 2019 | 703.72 | 638.40 | 299.62 | 27.29 | 64.92 |
Q3 2019 | 729.02 | 675.54 | 204.91 | 24.04 | 103.21 |
Q4 2019 | 698.59 | 623.91 | 179.43 | 47.20 | 79.90 |
Q1 2020 | 646.87 | 498.49 | 192.31 | 65.30 | 86.65 |
Q2 2020 | 575.11 | 683.98 | 147.95 | 40.67 | 22.02 |
Q3 2020 | 536.61 | 548.89 | 316.27 | 41.28 | 20.78 |
Q4 2020 | 449.02 | 562.33 | 321.10 | 46.09 | 22.53 |
Q1 2021 | 450.05 | 459.19 | 529.49 | 40.37 | 77.25 |
Q2 2021 | 514.06 | 446.33 | 347.23 | 45.53 | 28.06 |
Q3 2021 | 513.57 | 571.02 | 350.46 | 36.33 | 7.85 |
Q4 2021 | 493.78 | 469.71 | 350.14 | 55.70 | (21.62) |
Q1 2022 | 484.24 | 509.61 | 387.20 | 56.28 | 17.22 |
Q2 2022 | 550.13 | 600.42 | 444.90 | 66.89 | 11.28 |
Q3 2022 | 595.80 | 753.44 | 234.28 | 115.14 | 116.70 |
Q4 2022 | 664.18 | 769.65 | 276.86 | 85.85 | 122.20 |
Q1 2023 | 904.91 | 891.41 | 244.10 | 72.60 | 67.47 |
Q2 2023 | 975.44 | 796.62 | 159.15 | 108.15 | 48.43 |
Q3 2023 | 1,155.37 | 723.45 | 151.98 | 85.40 | 86.26 |
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Investment Banking and Brokerage | Others |
---|---|---|---|---|---|
2013 | 2,093.44 | 1,781.24 | 972.62 | 112.43 | 149.82 |
2014 | 2,178.01 | 2,105.07 | 884.17 | 135.15 | 205.18 |
2015 | 2,290.30 | 2,235.07 | 853.22 | 140.89 | 261.66 |
2016 | 2,331.50 | 2,008.45 | 1,032.72 | 172.55 | 308.92 |
2017 | 2,389.85 | 2,443.90 | 1,137.28 | 167.67 | 239.25 |
2018 | 2,456.82 | 2,470.83 | 1,075.77 | 208.38 | 323.03 |
2019 | 2,749.95 | 2,567.63 | 956.85 | 120.63 | 337.78 |
2020 | 2,207.62 | 2,293.68 | 977.62 | 193.34 | 151.98 |
2021 | 1,971.46 | 1,946.26 | 1,577.33 | 177.93 | 91.55 |
2022 | 2,294.34 | 2,633.11 | 1,343.24 | 324.16 | 267.40 |
Analysts Estimates (Million)
Analysts Estimates (Million)
Item | Q3 2023 (e) | Q3 2023 (a) | Change |
---|---|---|---|
Average | 972.72 | 1,076.24 | 10.64 % |
Estimates vs Actual (Million)
Estimates Accuracy
Item | Q3 2023 (e) | Q3 2023 (a) | Change |
---|---|---|---|
FAB Securities | 1,022.00 | 1,076.24 | 5.3 % |
OSOOL AND BAKHEET | 1,018.29 | 1,076.24 | 5.7 % |
Sico | 1,007.00 | 1,076.24 | 6.9 % |
Riyad Capital | 998.00 | 1,076.24 | 7.8 % |
Goldman Sachs | 900.00 | 1,076.24 | 19.6 % |
Hermes | 891.00 | 1,076.24 | 20.8 % |
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