ANB’s net profit rises 22% to SAR 4.96B in 2024; Q4 at SAR 1.25B

05/02/2025 Argaam Exclusive

Arab National Bank (ANB) reported a net profit of SAR 4.96 billion for 2024, an increase of 22% from SAR 4.07 billion in the previous year.



Financials (Million Riyal)

Item 2023 2024 Change‬
Net Special Commission Income 7,258.89 7,926.64 9.2 %
Operating Income 8,411.23 9,425.00 12.1 %
Total Provisions (668.59) (629.61) 5.8 %
Net Income 4,070.51 4,966.02 22.0 %
Average Shares 2,000.00 2,000.00 -
Earnings Per Share before unusual items (Riyals) 2.12 2.54 20.0 %
EPS (Riyal) 2.04 2.48 22.0 %
EPS Diluted (Riyal) 2.04 2.48 22.0 %

Net profit was positively affected by a 9.82% increase in net special commission income due to a rise in net loans and advances portfolio by 11.34% and net investments portfolio by 10.40%.

 

The bank also noted an increase in net fee and commission income, net gains on FVSI financial instruments, as well as net trading and dividend income. Meanwhile, ANB posted a decrease in impairment charges on other real estate owned, net allowance charges for expected credit losses (ECL) and other provisions.

 

Provisions fell on the improvement of the portfolio quality, in line with the IFRS 9 ECL model output results during the current year.

 

However, this growth was partially offset by an increase in the costs related to salaries and employee-related expenses, depreciation and amortization, other general and administrative expenses and premises-related expenses, along with a decline in net gains on non-trading instruments, net other operating income and net exchange income.

 

Q4 2024 net earnings rose 34% to SAR 1.25 billion, from SAR 940.71 million in the year-earlier period.

 

On a sequential basis, Q4 net profit grew slightly by 1.1% from SAR 1.24 billion.



Current Quarter Comparison (Million Riyal)

Compared With The
Item Q4 2023 Q4 2024 Change‬
Net Special Commission Income 1,865.32 1,982.42 6.3 %
Operating Income 2,096.38 2,371.38 13.1 %
Debt Provisions 86.62 (141.06) (262.9 %)
Net Income 940.71 1,256.49 33.6 %
Average Shares 2,000.00 2,000.00 -
Earnings Per Share before unusual items (Riyal) 0.61 0.69 13.4 %
EPS (Riyal) 0.47 0.63 33.6 %
EPS Diluted (Riyal) 0.47 0.62 32.8 %


Balance Sheet (Billion Riyal)

Item 2023 2024 Change‬
Assets 221.42 248.84 12.4 %
Customer Deposits 165.86 182.22 9.9 %
Loan 152.24 169.49 11.3 %

Total shareholders’ equity, excluding minority interest, stood at SAR 38.11 billion by Dec. 31, 2024, compared to SAR 35.77 billion in a prior-year period.

 

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Share Price

Arab National Bank
21.32
(0.16) (0.74 %)

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Financial Ratios
Current
Market Cap (M Riyal) 42,640.00
Shares Outstanding ((M)) 2,000.00
Recurring EPS ( Riyal) (TTM) 2.64
EPS Diluted ( Riyal) (TTM) 2.40
Book Value (BV) ( Riyal) 21.05
Par Value ( Riyal) 10.00
Recurring P/E (TTM) 8.08
P/E (TTM) 8.08
Price/book 1.01
Dividend Yield (%) (Last Year) 6.10
Return on Average Assets (%) (TTM) 1.8
Return on Average Equity (%) (TTM) 12.8
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Financial results (Million Riyal)

Period Net Special Commission Income Change Operating Income Change Debt Provisions Change
Q1 2001 - - - - - -
Q2 2001 - - - - - -
Q3 2001 - - - - - -
Q4 2001 - - - - - -
Q1 2002 - - - - - -
Q2 2002 - - - - - -
Q3 2002 - - - - - -
Q4 2002 - - - - - -
Q1 2003 372.15 - 447.02 - (65.79) -
Q2 2003 365.92 - 463.64 - (70.91) -
Q3 2003 383.41 - 489.48 - (70.75) -
Q4 2003 400.64 - 500.30 - (109.34) -
Q1 2004 435.74 17.1 % 554.99 24.2 % (61.10) 7.1 %
Q2 2004 456.51 24.8 % 607.55 31.0 % (70.26) 0.9 %
Q3 2004 488.76 27.5 % 638.39 30.4 % (73.00) (3.2 %)
Q4 2004 505.27 26.1 % 627.00 25.3 % (116.87) (6.9 %)
Q1 2005 513.67 17.9 % 682.45 23.0 % (71.63) (17.2 %)
Q2 2005 551.89 20.9 % 863.94 42.2 % (68.18) 2.9 %
Q3 2005 570.24 16.7 % 793.25 24.3 % (14.01) 80.8 %
Q4 2005 553.33 9.5 % 802.06 27.9 % (94.57) 19.1 %
Q1 2006 571.66 11.3 % 950.99 39.4 % (51.80) 27.7 %
Q2 2006 624.89 13.2 % 1,045.81 21.1 % (15.71) 77.0 %
Q3 2006 638.52 12.0 % 929.83 17.2 % (11.05) 21.2 %
Q4 2006 689.88 24.7 % 928.74 15.8 % (4.42) 95.3 %
Q1 2007 688.97 20.5 % 994.63 4.6 % (18.53) 64.2 %
Q2 2007 727.16 16.4 % 1,108.11 6.0 % (31.15) (98.3 %)
Q3 2007 732.46 14.7 % 972.82 4.6 % (4.00) 63.8 %
Q4 2007 755.32 9.5 % 880.70 (5.2 %) (13.45) (204.0 %)
Q1 2008 875.16 27.0 % 1,045.61 5.1 % (15.00) 19.1 %
Q2 2008 855.05 17.6 % 1,179.14 6.4 % (23.13) 25.8 %
Q3 2008 825.43 12.7 % 1,042.82 7.2 % (9.17) (129.1 %)
Q4 2008 797.90 5.6 % 867.62 (1.5 %) (12.99) 3.4 %
Q1 2009 912.30 4.2 % 1,157.03 10.7 % (54.72) (264.9 %)
Q2 2009 893.89 4.5 % 1,211.76 2.8 % (73.90) (219.6 %)
Q3 2009 838.31 1.6 % 1,067.33 2.3 % (51.19) (458.3 %)
Q4 2009 811.79 1.7 % 1,057.35 21.9 % (346.78) (2,569.4 %)
Q1 2010 803.04 (12.0 %) 1,124.70 (2.8 %) (96.86) (77.0 %)
Q2 2010 775.33 (13.3 %) 1,114.87 (8.0 %) (79.43) (7.5 %)
Q3 2010 779.25 (7.0 %) 1,129.50 5.8 % (377.27) (637.0 %)
Q4 2010 799.93 (1.5 %) 1,134.71 7.3 % (410.86) (18.5 %)
Q1 2011 794.08 (1.1 %) 1,114.05 (0.9 %) (68.03) 29.8 %
Q2 2011 805.34 3.9 % 1,158.21 3.9 % (55.00) 30.8 %
Q3 2011 782.29 0.4 % 1,146.07 1.5 % (198.60) 47.4 %
Q4 2011 799.26 (0.1 %) 1,123.14 (1.0 %) (296.27) 27.9 %
Q1 2012 772.74 (2.7 %) 1,195.69 7.3 % (89.92) (32.2 %)
Q2 2012 842.79 4.7 % 1,255.06 8.4 % (83.84) (52.4 %)
Q3 2012 845.75 8.1 % 1,187.74 3.6 % (151.81) 23.6 %
Q4 2012 799.15 0.0 % 1,118.34 (0.4 %) (196.23) 33.8 %
Q1 2013 775.21 0.3 % 1,268.29 6.1 % (106.27) (18.2 %)
Q2 2013 836.90 (0.7 %) 1,263.39 0.7 % (65.54) 21.8 %
Q3 2013 876.81 3.7 % 1,264.79 6.5 % (182.50) (20.2 %)
Q4 2013 885.98 10.9 % 1,313.08 17.4 % (272.68) (39.0 %)
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 %
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 %
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 %)
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 %)
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 %)
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 %)
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 %)
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 %
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 %)
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 %)
Q4 2023 1,865.32 13.4 % 2,096.38 9.3 % 86.62 133.0 %
Q1 2024 1,927.73 9.3 % 2,309.44 14.1 % (160.57) 34.1 %
Q2 2024 1,941.76 10.1 % 2,335.18 11.8 % (168.98) 37.8 %
Q3 2024 2,074.73 11.2 % 2,409.05 9.4 % (159.00) 33.7 %
Q4 2024 1,982.42 6.3 % 2,371.38 13.1 % (141.06) (262.9 %)
2024 7,926.64 9.2 % 9,425.00 12.1 % (629.61) 5.8 %


Profit Performance (Million Riyal)

Period Net Income Change EPS(Riyal) Extraordinary Income/Expense Net Profit Before Unusual Items EPS(Riyal)
Q1 2001 - - - - - -
Q2 2001 - - - - - -
Q3 2001 - - - - - -
Q4 2001 - - - - - -
Q1 2002 - - - - - -
Q2 2002 - - - - - -
Q3 2002 - - - - - -
Q4 2002 - - - - - -
Q1 2003 185.51 - 0.09 - 185.51 0.09
Q2 2003 191.75 - 0.10 - 191.75 0.10
Q3 2003 212.34 - 0.11 - 212.34 0.11
Q4 2003 176.91 - 0.09 - 176.91 0.09
Q1 2004 272.28 46.8 % 0.14 - 272.28 0.14
Q2 2004 303.38 58.2 % 0.15 - 303.38 0.15
Q3 2004 325.93 53.5 % 0.16 - 325.93 0.16
Q4 2004 265.22 49.9 % 0.13 - 265.22 0.13
Q1 2005 362.44 33.1 % 0.18 - 362.44 0.18
Q2 2005 529.15 74.4 % 0.26 - 529.15 0.26
Q3 2005 520.27 59.6 % 0.26 - 520.27 0.26
Q4 2005 415.77 56.8 % 0.21 - 415.77 0.21
Q1 2006 621.33 71.4 % 0.31 - 621.33 0.31
Q2 2006 732.53 38.4 % 0.37 - 732.53 0.37
Q3 2006 591.09 13.6 % 0.30 - 591.09 0.30
Q4 2006 559.79 34.6 % 0.28 - 559.79 0.28
Q1 2007 642.88 3.5 % 0.32 - 642.88 0.32
Q2 2007 724.88 (1.0 %) 0.36 - 724.88 0.36
Q3 2007 607.88 2.8 % 0.30 - 607.88 0.30
Q4 2007 485.56 (13.3 %) 0.24 - 485.56 0.24
Q1 2008 672.19 4.6 % 0.34 - 672.19 0.34
Q2 2008 752.16 3.8 % 0.38 - 752.16 0.38
Q3 2008 627.72 3.3 % 0.31 - 627.72 0.31
Q4 2008 434.06 (10.6 %) 0.22 - 434.06 0.22
Q1 2009 694.83 3.4 % 0.35 - 694.83 0.35
Q2 2009 745.87 (0.8 %) 0.37 - 745.87 0.37
Q3 2009 633.49 0.9 % 0.32 - 633.49 0.32
Q4 2009 295.82 (31.8 %) 0.15 - 295.82 0.15
Q1 2010 633.68 (8.8 %) 0.32 - 633.68 0.32
Q2 2010 629.45 (15.6 %) 0.31 - 629.45 0.31
Q3 2010 346.50 (45.3 %) 0.17 - 346.50 0.17
Q4 2010 301.46 1.9 % 0.15 - 301.46 0.15
Q1 2011 587.40 (7.3 %) 0.29 - 587.40 0.29
Q2 2011 696.68 10.7 % 0.35 - 696.68 0.35
Q3 2011 519.18 49.8 % 0.26 - 519.18 0.26
Q4 2011 367.87 22.0 % 0.18 - 367.87 0.18
Q1 2012 655.51 11.6 % 0.33 - 655.51 0.33
Q2 2012 717.98 3.1 % 0.36 - 717.98 0.36
Q3 2012 572.70 10.3 % 0.29 - 572.70 0.29
Q4 2012 424.98 15.5 % 0.21 - 424.98 0.21
Q1 2013 678.70 3.5 % 0.34 - 678.70 0.34
Q2 2013 717.98 0.0 % 0.36 - 717.98 0.36
Q3 2013 589.20 2.9 % 0.29 - 589.20 0.29
Q4 2013 536.63 26.3 % 0.27 - 536.63 0.27
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
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
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
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
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
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
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
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
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
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
Q4 2023 940.71 18.9 % 0.47 (272.00) 1,212.71 0.61
Q1 2024 1,235.56 15.7 % 0.62 - 1,235.56 0.62
Q2 2024 1,230.85 24.8 % 0.62 - 1,230.85 0.62
Q3 2024 1,243.13 15.5 % 0.62 - 1,243.13 0.62
Q4 2024 1,256.49 33.6 % 0.63 (119.16) 1,375.65 0.69
2024 4,966.02 22.0 % 2.48 (119.16) 5,085.18 2.54


Balance Sheet (Billion Riyal)

Period Assets Change Customer Deposits Change Loan Change
Q1 2001 - - - - - -
Q2 2001 - - - - - -
Q3 2001 - - - - - -
Q4 2001 - - - - - -
Q1 2002 - - - - - -
Q2 2002 - - - - - -
Q3 2002 - - - - - -
Q4 2002 - - - - - -
Q1 2003 44.15 - 30.31 - 17.46 -
Q2 2003 44.87 - 31.46 - 17.55 -
Q3 2003 47.89 - 31.24 - 19.03 -
Q4 2003 49.20 - 33.72 - 20.17 -
Q1 2004 53.45 21.1 % 35.74 17.9 % 21.78 24.7 %
Q2 2004 52.53 17.1 % 37.83 20.3 % 24.46 39.4 %
Q3 2004 54.13 13.0 % 39.36 26.0 % 27.60 45.0 %
Q4 2004 63.33 28.7 % 46.32 37.3 % 28.56 41.6 %
Q1 2005 59.45 11.2 % 43.37 21.3 % 30.14 38.4 %
Q2 2005 61.90 17.8 % 46.78 23.6 % 33.33 36.3 %
Q3 2005 64.33 18.9 % 46.01 16.9 % 36.32 31.6 %
Q4 2005 67.49 6.6 % 48.83 5.4 % 38.78 35.8 %
Q1 2006 71.90 21.0 % 53.16 22.6 % 40.29 33.7 %
Q2 2006 68.87 11.3 % 54.53 16.6 % 43.44 30.3 %
Q3 2006 73.20 13.8 % 58.40 26.9 % 48.49 33.5 %
Q4 2006 78.04 15.6 % 61.77 26.5 % 49.75 28.3 %
Q1 2007 82.18 14.3 % 63.25 19.0 % 50.42 25.1 %
Q2 2007 82.51 19.8 % 64.24 17.8 % 52.83 21.6 %
Q3 2007 85.63 17.0 % 66.16 13.3 % 57.79 19.2 %
Q4 2007 94.47 21.1 % 73.69 19.3 % 61.12 22.9 %
Q1 2008 103.96 26.5 % 78.84 24.6 % 65.32 29.6 %
Q2 2008 110.33 33.7 % 84.91 32.2 % 69.88 32.3 %
Q3 2008 115.68 35.1 % 88.56 33.8 % 74.55 29.0 %
Q4 2008 121.31 28.4 % 92.74 25.9 % 74.66 22.2 %
Q1 2009 112.41 8.1 % 84.52 7.2 % 72.81 11.5 %
Q2 2009 115.08 4.3 % 85.23 0.4 % 71.17 1.8 %
Q3 2009 111.86 (3.3 %) 80.50 (9.1 %) 68.79 (7.7 %)
Q4 2009 110.30 (9.1 %) 82.68 (10.9 %) 66.81 (10.5 %)
Q1 2010 110.06 (2.1 %) 77.65 (8.1 %) 65.44 (10.1 %)
Q2 2010 106.21 (7.7 %) 78.35 (8.1 %) 64.79 (9.0 %)
Q3 2010 101.37 (9.4 %) 77.38 (3.9 %) 65.28 (5.1 %)
Q4 2010 116.03 5.2 % 84.20 1.8 % 66.20 (0.9 %)
Q1 2011 120.49 9.5 % 88.48 13.9 % 67.32 2.9 %
Q2 2011 109.04 2.7 % 84.52 7.9 % 69.09 6.6 %
Q3 2011 116.67 15.1 % 85.77 10.8 % 71.69 9.8 %
Q4 2011 117.57 1.3 % 87.86 4.3 % 72.84 10.0 %
Q1 2012 125.42 4.1 % 90.69 2.5 % 75.57 12.3 %
Q2 2012 120.39 10.4 % 94.82 12.2 % 80.74 16.9 %
Q3 2012 125.35 7.4 % 98.27 14.6 % 83.65 16.7 %
Q4 2012 136.64 16.2 % 107.56 22.4 % 86.33 18.5 %
Q1 2013 133.67 6.6 % 109.09 20.3 % 85.97 13.8 %
Q2 2013 136.12 13.1 % 103.02 8.7 % 85.54 5.9 %
Q3 2013 137.89 10.0 % 105.21 7.1 % 86.11 2.9 %
Q4 2013 137.94 0.9 % 106.37 (1.1 %) 88.46 2.5 %
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 %
Q4 2023 221.42 4.1 % 165.86 7.1 % 152.24 5.8 %
Q1 2024 232.89 8.8 % 174.55 12.4 % 157.88 9.1 %
Q2 2024 235.49 9.0 % 175.59 10.9 % 161.61 8.6 %
Q3 2024 242.29 11.0 % 180.85 17.3 % 166.33 11.4 %
Q4 2024 248.84 12.4 % 182.22 9.9 % 169.49 11.3 %

Profitability

Period Return On Average Assets Return on Average Equity Net Income/Operating profit
Q1 2001 - - -
Q2 2001 - - -
Q3 2001 - - -
Q4 2001 - - -
Q1 2002 - - -
Q2 2002 - - -
Q3 2002 - - -
Q4 2002 - - -
Q1 2003 - - -
Q2 2003 - - -
Q3 2003 - - -
Q4 2003 - - 40.33 %
Q1 2004 1.75 % 21.17 % 42.49 %
Q2 2004 1.98 % 23.14 % 44.83 %
Q3 2004 2.11 % 24.29 % 46.87 %
Q4 2004 2.07 % 26.08 % 48.06 %
Q1 2005 2.23 % 26.48 % 49.19 %
Q2 2005 2.59 % 30.48 % 52.73 %
Q3 2005 2.83 % 31.71 % 56.53 %
Q4 2005 2.79 % 32.33 % 58.17 %
Q1 2006 3.18 % 35.25 % 61.18 %
Q2 2006 3.50 % 37.13 % 63.75 %
Q3 2006 3.43 % 35.04 % 63.31 %
Q4 2006 3.44 % 34.99 % 64.97 %
Q1 2007 3.28 % 32.94 % 64.79 %
Q2 2007 3.33 % 31.13 % 63.58 %
Q3 2007 3.19 % 28.97 % 63.32 %
Q4 2007 2.85 % 26.60 % 62.21 %
Q1 2008 2.68 % 25.16 % 62.15 %
Q2 2008 2.61 % 23.98 % 61.74 %
Q3 2008 2.52 % 22.97 % 61.17 %
Q4 2008 2.30 % 21.44 % 60.12 %
Q1 2009 2.32 % 21.27 % 59.08 %
Q2 2009 2.22 % 20.06 % 58.48 %
Q3 2009 2.20 % 19.22 % 58.28 %
Q4 2009 2.05 % 17.53 % 52.74 %
Q1 2010 2.08 % 17.11 % 51.76 %
Q2 2010 1.98 % 15.46 % 50.24 %
Q3 2010 1.79 % 12.83 % 43.05 %
Q4 2010 1.69 % 12.89 % 42.43 %
Q1 2011 1.62 % 12.59 % 41.50 %
Q2 2011 1.80 % 12.35 % 42.59 %
Q3 2011 1.93 % 13.03 % 46.23 %
Q4 2011 1.86 % 13.61 % 47.81 %
Q1 2012 1.82 % 14.10 % 48.44 %
Q2 2012 1.97 % 13.57 % 47.89 %
Q3 2012 1.91 % 13.48 % 48.60 %
Q4 2012 1.87 % 13.77 % 49.85 %
Q1 2013 1.85 % 13.97 % 49.58 %
Q2 2013 1.87 % 13.52 % 49.49 %
Q3 2013 1.83 % 13.13 % 49.05 %
Q4 2013 1.84 % 13.68 % 49.37 %
Q1 2014 1.80 % 13.75 % 49.64 %
Q2 2014 1.88 % 13.63 % 49.77 %
Q3 2014 1.93 % 14.00 % 51.79 %
Q4 2014 1.90 % 14.49 % 52.20 %
Q1 2015 1.86 % 14.50 % 51.43 %
Q2 2015 1.93 % 14.32 % 51.26 %
Q3 2015 1.91 % 14.05 % 50.63 %
Q4 2015 1.77 % 13.95 % 51.27 %
Q1 2016 1.78 % 13.77 % 51.40 %
Q2 2016 1.76 % 13.49 % 50.96 %
Q3 2016 1.74 % 13.01 % 50.02 %
Q4 2016 1.68 % 12.65 % 48.75 %
Q1 2017 1.71 % 12.73 % 48.79 %
Q2 2017 1.72 % 12.74 % 48.35 %
Q3 2017 1.79 % 12.72 % 47.79 %
Q4 2017 1.77 % 12.72 % 47.46 %
Q1 2018 1.74 % 12.24 % 45.46 %
Q2 2018 1.67 % 11.68 % 43.81 %
Q3 2018 1.66 % 11.37 % 43.07 %
Q4 2018 2.27 % 15.60 % 60.74 %
Q1 2019 2.42 % 16.02 % 61.55 %
Q2 2019 2.50 % 16.24 % 62.93 %
Q3 2019 2.54 % 16.54 % 63.97 %
Q4 2019 1.67 % 11.03 % 44.90 %
Q1 2020 1.63 % 10.66 % 43.83 %
Q2 2020 1.38 % 8.88 % 39.21 %
Q3 2020 1.29 % 8.12 % 38.23 %
Q4 2020 1.14 % 7.14 % 35.58 %
Q1 2021 1.11 % 6.97 % 34.92 %
Q2 2021 1.08 % 6.83 % 35.23 %
Q3 2021 1.08 % 6.64 % 35.24 %
Q4 2021 1.17 % 7.16 % 38.93 %
Q1 2022 1.18 % 7.24 % 39.93 %
Q2 2022 1.27 % 8.12 % 41.92 %
Q3 2022 1.40 % 8.76 % 43.58 %
Q4 2022 1.52 % 9.68 % 44.74 %
Q1 2023 1.67 % 10.78 % 46.92 %
Q2 2023 1.77 % 11.63 % 47.99 %
Q3 2023 1.84 % 11.98 % 47.62 %
Q4 2023 1.88 % 11.95 % 48.39 %
2023 1.88 % 11.95 % 48.39 %
Q1 2024 1.90 % 12.37 % 48.74 %
Q2 2024 1.99 % 12.70 % 50.13 %
Q3 2024 2.02 % 13.02 % 50.82 %
Q4 2024 2.11 % 13.34 % 52.69 %
2024 2.11 % 13.34 % 52.69 %

Ratios

Period Customer Deposits Per Total Assets Loans and advances/Total assets Loans and advances/Customers Deposits
Q1 2001 - - -
Q2 2001 - - -
Q3 2001 - - -
Q4 2001 - - -
Q1 2002 - - -
Q2 2002 - - -
Q3 2002 - - -
Q4 2002 - - -
Q1 2003 68.65 % 39.55 % 57.62 %
Q2 2003 70.11 % 39.11 % 55.78 %
Q3 2003 65.23 % 39.74 % 60.93 %
Q4 2003 68.54 % 41.00 % 59.82 %
Q1 2004 66.87 % 40.75 % 60.94 %
Q2 2004 72.02 % 46.56 % 64.65 %
Q3 2004 72.72 % 50.99 % 70.12 %
Q4 2004 73.14 % 45.10 % 61.66 %
Q1 2005 72.95 % 50.70 % 69.50 %
Q2 2005 75.56 % 53.84 % 71.25 %
Q3 2005 71.51 % 56.46 % 78.95 %
Q4 2005 72.35 % 57.46 % 79.41 %
Q1 2006 73.93 % 56.03 % 75.79 %
Q2 2006 79.18 % 63.07 % 79.65 %
Q3 2006 79.78 % 66.24 % 83.03 %
Q4 2006 79.16 % 63.75 % 80.53 %
Q1 2007 76.97 % 61.35 % 79.71 %
Q2 2007 77.85 % 64.02 % 82.24 %
Q3 2007 77.27 % 67.48 % 87.34 %
Q4 2007 78.01 % 64.70 % 82.94 %
Q1 2008 75.84 % 62.83 % 82.85 %
Q2 2008 76.96 % 63.34 % 82.30 %
Q3 2008 76.55 % 64.44 % 84.18 %
Q4 2008 76.45 % 61.55 % 80.50 %
Q1 2009 75.19 % 64.77 % 86.15 %
Q2 2009 74.06 % 61.84 % 83.50 %
Q3 2009 71.96 % 61.50 % 85.46 %
Q4 2009 74.96 % 60.57 % 80.81 %
Q1 2010 70.56 % 59.46 % 84.28 %
Q2 2010 73.77 % 61.00 % 82.69 %
Q3 2010 76.33 % 64.40 % 84.37 %
Q4 2010 72.56 % 57.05 % 78.63 %
Q1 2011 73.44 % 55.87 % 76.08 %
Q2 2011 77.51 % 63.36 % 81.74 %
Q3 2011 73.52 % 61.45 % 83.59 %
Q4 2011 74.73 % 61.96 % 82.91 %
Q1 2012 72.31 % 60.26 % 83.33 %
Q2 2012 78.76 % 67.06 % 85.15 %
Q3 2012 78.40 % 66.74 % 85.12 %
Q4 2012 78.72 % 63.18 % 80.26 %
Q1 2013 81.61 % 64.31 % 78.81 %
Q2 2013 75.68 % 62.84 % 83.03 %
Q3 2013 76.30 % 62.45 % 81.85 %
Q4 2013 77.12 % 64.13 % 83.16 %
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 %
Q4 2023 74.91 % 68.75 % 91.78 %
Q1 2024 74.95 % 67.79 % 90.45 %
Q2 2024 74.57 % 68.63 % 92.04 %
Q3 2024 74.64 % 68.65 % 91.97 %
Q4 2024 73.23 % 68.11 % 93.01 %


Per Share Data (Riyal)

Compared With The
Period Shares Outstanding (M) EPS (Riyal) Earnings Per Share before unusual items (Riyal) EPS Diluted (Riyal) Book Value (BV)
Q1 2001 - - - - -
Q2 2001 - - - - -
Q3 2001 - - - - -
Q4 2001 - - - - -
Q1 2002 - - - - -
Q2 2002 - - - - -
Q3 2002 - - - - -
Q4 2002 - - - - -
Q1 2003 2,000.00 - - - 1.89
Q2 2003 2,000.00 - - - 2.00
Q3 2003 2,000.00 - - - 2.11
Q4 2003 2,000.00 0.38 0.38 - 1.99
Q1 2004 2,000.00 0.43 0.43 - 2.14
Q2 2004 2,000.00 0.48 0.48 - 2.17
Q3 2004 2,000.00 0.54 0.54 - 2.33
Q4 2004 2,000.00 0.58 0.58 - 2.48
Q1 2005 2,000.00 0.63 0.63 - 2.60
Q2 2005 2,000.00 0.74 0.74 - 2.70
Q3 2005 2,000.00 0.84 0.84 - 2.96
Q4 2005 2,000.00 0.91 0.91 - 3.17
Q1 2006 2,000.00 1.04 1.04 - 3.32
Q2 2006 2,000.00 1.14 1.14 - 3.47
Q3 2006 2,000.00 1.18 1.18 - 3.78
Q4 2006 2,000.00 1.25 1.25 - 3.99
Q1 2007 2,000.00 1.26 1.26 - 4.35
Q2 2007 2,000.00 1.26 1.26 - 4.62
Q3 2007 2,000.00 1.27 1.27 - 4.97
Q4 2007 2,000.00 1.23 1.23 - 5.26
Q1 2008 2,000.00 1.25 1.25 - 5.54
Q2 2008 2,000.00 1.26 1.26 - 5.87
Q3 2008 2,000.00 1.27 1.27 - 6.07
Q4 2008 2,000.00 1.24 1.24 - 6.34
Q1 2009 2,000.00 1.25 1.25 - 6.25
Q2 2009 2,000.00 1.25 1.25 - 6.60
Q3 2009 2,000.00 1.25 1.25 - 6.97
Q4 2009 2,000.00 1.19 1.19 - 7.18
Q1 2010 2,000.00 1.15 1.15 - 7.24
Q2 2010 2,000.00 1.10 1.10 - 7.58
Q3 2010 2,000.00 0.95 0.95 - 7.87
Q4 2010 2,000.00 0.96 0.96 - 7.65
Q1 2011 2,000.00 0.93 0.93 - 7.57
Q2 2011 2,000.00 0.97 0.97 - 8.07
Q3 2011 2,000.00 1.05 1.05 - 8.28
Q4 2011 2,000.00 1.09 1.09 - 8.31
Q1 2012 2,000.00 1.12 1.12 - 8.31
Q2 2012 2,000.00 1.13 1.13 - 8.59
Q3 2012 2,000.00 1.16 1.16 - 8.88
Q4 2012 2,000.00 1.19 1.19 - 8.90
Q1 2013 2,000.00 1.20 1.20 - 8.83
Q2 2013 2,000.00 1.20 1.20 - 9.11
Q3 2013 2,000.00 1.21 1.21 - 9.48
Q4 2013 2,000.00 1.26 1.26 - 9.54
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
Q4 2023 2,000.00 2.04 2.12 2.04 17.89
Q1 2024 2,000.00 2.12 2.26 2.12 17.94
Q2 2024 2,000.00 2.24 2.38 2.24 18.44
Q3 2024 2,000.00 2.33 2.46 2.33 18.84
Q4 2024 2,000.00 2.48 2.54 2.48 19.33

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Recurring P/E Price/book
Q1 2001 - - -
Q2 2001 - - -
Q3 2001 - - -
Q4 2001 - - -
Q1 2002 - - -
Q2 2002 - - -
Q3 2002 - - -
Q4 2002 - - -
Q1 2003 - - 2.77
Q2 2003 - - 2.80
Q3 2003 - - 2.93
Q4 2003 18.49 18.49 3.56
Q1 2004 21.60 21.60 4.30
Q2 2004 19.83 19.83 4.42
Q3 2004 22.84 22.84 5.28
Q4 2004 26.36 26.36 6.19
Q1 2005 26.73 26.73 6.45
Q2 2005 29.08 29.08 7.99
Q3 2005 27.35 27.35 7.75
Q4 2005 27.15 27.15 7.83
Q1 2006 23.08 23.08 7.26
Q2 2006 17.02 17.02 5.62
Q3 2006 16.16 16.16 5.05
Q4 2006 14.13 14.13 4.44
Q1 2007 12.93 12.93 3.75
Q2 2007 12.70 12.70 3.46
Q3 2007 15.12 15.12 3.86
Q4 2007 22.31 22.31 5.22
Q1 2008 14.91 14.91 3.35
Q2 2008 16.36 16.36 3.51
Q3 2008 12.56 12.56 2.62
Q4 2008 8.14 8.14 1.60
Q1 2009 9.18 9.18 1.84
Q2 2009 10.08 10.08 1.91
Q3 2009 12.60 12.60 2.27
Q4 2009 11.61 11.61 1.91
Q1 2010 12.85 12.85 2.05
Q2 2010 11.92 11.92 1.72
Q3 2010 14.16 14.16 1.71
Q4 2010 12.80 12.80 1.60
Q1 2011 15.86 15.86 1.95
Q2 2011 12.94 12.94 1.55
Q3 2011 11.23 11.23 1.43
Q4 2011 10.77 10.77 1.41
Q1 2012 12.79 12.79 1.72
Q2 2012 9.78 9.78 1.29
Q3 2012 9.77 9.77 1.27
Q4 2012 9.47 9.47 1.26
Q1 2013 9.47 9.47 1.29
Q2 2013 10.86 10.86 1.43
Q3 2013 10.72 10.72 1.36
Q4 2013 10.38 10.38 1.37
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 14.55 14.55 1.01
Q1 2021 15.58 16.68 1.04
Q2 2021 17.05 18.27 1.13
Q3 2021 17.26 18.76 1.12
Q4 2021 15.75 17.11 1.10
Q1 2022 18.58 19.22 1.30
Q2 2022 17.84 18.40 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 10.79 1.17
Q3 2023 9.18 9.43 1.07
Q4 2023 9.32 8.96 1.06
Q1 2024 10.33 9.71 1.22
Q2 2024 9.04 8.52 1.10
Q3 2024 8.21 7.76 1.01
Q4 2024 8.50 8.30 1.09

Business Segments (Million Riyal)

Compared With The
Period Retail Corporate and Institutional Banking Global markets and Treasury Investment Banking and Brokerage Other
Q1 2003 286.07 92.12 68.82 - -
Q2 2003 310.09 92.78 60.77 - -
Q3 2003 321.30 110.23 57.95 - -
Q4 2003 345.12 88.99 66.18 - -
Q1 2004 373.57 109.81 71.61 - -
Q2 2004 434.65 109.78 63.13 - -
Q3 2004 463.27 118.81 56.32 - -
Q4 2004 447.32 108.45 71.23 - -
Q1 2005 477.14 116.73 88.58 - -
Q2 2005 644.81 141.14 77.99 - -
Q3 2005 568.39 139.98 84.88 - -
Q4 2005 591.41 96.47 114.18 - -
Q1 2006 670.20 157.07 123.73 - -
Q2 2006 738.64 181.00 126.18 - -
Q3 2006 680.83 199.73 49.28 - -
Q4 2006 563.46 155.50 209.78 - -
Q1 2007 627.74 198.93 167.97 - -
Q2 2007 469.93 152.96 159.99 149.90 175.34
Q3 2007 552.20 201.19 78.60 56.16 84.67
Q4 2007 540.44 174.95 19.66 60.32 85.32
Q1 2008 738.63 334.94 (27.96) - -
Q2 2008 503.48 180.96 163.05 109.22 222.42
Q3 2008 677.79 258.28 (85.72) 36.82 155.65
Q4 2008 542.31 233.94 192.33 34.37 (135.34)
Q1 2009 524.10 328.63 133.45 33.24 137.61
Q2 2009 587.90 301.65 200.86 49.00 72.35
Q3 2009 539.13 298.41 157.29 16.54 55.95
Q4 2009 469.69 306.57 114.88 23.78 142.43
Q1 2010 526.50 305.46 125.20 20.22 147.32
Q2 2010 542.18 310.32 130.39 31.36 100.63
Q3 2010 519.05 297.56 184.23 18.70 109.96
Q4 2010 582.63 339.64 97.87 24.80 89.76
Q1 2011 542.94 353.61 87.72 31.53 98.25
Q2 2011 544.10 350.06 120.51 43.02 100.53
Q3 2011 554.56 374.86 96.06 22.44 98.15
Q4 2011 552.47 350.77 112.92 30.05 76.93
Q1 2012 547.54 329.65 237.29 48.44 32.78
Q2 2012 555.96 444.51 202.41 37.80 14.38
Q3 2012 509.80 364.10 249.29 30.80 33.75
Q4 2012 532.18 369.68 185.00 22.76 8.72
Q1 2013 523.63 427.43 228.21 38.76 50.26
Q2 2013 534.81 450.71 206.27 26.70 44.89
Q3 2013 525.95 443.62 245.12 23.96 26.13
Q4 2013 509.06 459.47 293.01 23.01 28.53
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
Q4 2023 1,109.33 762.37 22.56 118.75 83.37
Q1 2024 1,113.87 939.46 139.74 116.51 (0.13)
Q2 2024 1,132.75 902.82 210.03 142.98 (53.39)
Q3 2024 1,107.62 1,123.87 99.29 121.55 (43.34)
Q4 2024 1,015.51 1,037.42 340.99 105.07 (127.61)

Analysts Estimates (Million Riyal)

Item Profit (Expected) Profit (Actual) Change
Average 1,215.15 1,256.49

Estimates vs Actual (Million Riyal)

Item Profit (Expected) Profit (Actual) Change‬
Riyad Capital 1,259.00 1,256.49
Sico 1,273.00 1,256.49
OSOOL AND BAKHEET 1,289.76 1,256.49
United Securities Company 1,164.00 1,256.49
Arqaam Capital 1,090.00 1,256.49

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