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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
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Bank AlJazira’s net profit slumped 46% to SAR 204 million in Q1 2023, from SAR 374.9 million a year earlier.
Current Quarter Comparison (M)
Item | Q1 2022 | Q1 2023 | Change |
---|---|---|---|
Net Special Commission Income | 728.60 | 558.53 | (23.3 %) |
Operating Income | 934.76 | 783.87 | (16.1 %) |
Debt Provisions | (94.01) | (60.00) | 36.2 % |
Net Income | 374.85 | 204.04 | (45.6 %) |
Average Shares | 1,025.00 | 1,025.00 | - |
EPS (Riyals) | 0.37 | 0.20 | (45.6 %) |
EPS Diluted (Riyal) | 0.35 | 0.20 | (42.6 %) |
Item | Q4 2022 | Q1 2023 | Change |
---|---|---|---|
Net Special Commission Income | 593.07 | 558.53 | (5.8 %) |
Operating Income | 819.70 | 783.87 | (4.4 %) |
Debt Provisions | (50.20) | (60.00) | (19.5 %) |
Net Income | 243.75 | 204.04 | (16.3 %) |
Average Shares | 1,025.00 | 1,025.00 | - |
EPS (Riyals) | 0.24 | 0.20 | (16.3 %) |
EPS Diluted (Riyal) | 0.20 | 0.20 | (0.4 %) |
The profit decline was attributed to a 21% year-on-year (YoY) decrease in operating income, mainly on lower net financing and investment income, other operating income, net gains on derecognition of financial assets at amortized cost, net gains on FVIS financial instruments and net fees from banking services.
This was despite a YoY increase in dividend income and net exchange income.
On the other hand, gross operating expenses fell by 6% YoY. This was mainly due to a decrease in net credit loss provision, as well as depreciation and amortization expenses against an increase in salaries and employee-related expenses.
Sequentially, the bank’s net profit fell 16.3% from SAR 243.75 million in Q4 2022.
Balance Sheet (B)
Item | 3m 2022 | 3m 2023 | Change |
---|---|---|---|
Assets | 104.26 | 119.43 | 14.6 % |
Customer Deposits | 79.28 | 86.87 | 9.6 % |
Loan | 63.20 | 72.03 | 14.0 % |
Total shareholders’ equity, no minority interest and excluding sukuk, stood at SAR 12.09 billion as of March 31, 2023, compared to SAR 11.92 billion a year earlier.
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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
- 4191 - ABO MOATI
- 4051 - BAAZEEM
- 4192 - ALSAIF GALLERY
- 4001 - A.OTHAIM MARKET
- 4006 - FARM SUPERSTORES
- 4061 - ANAAM HOLDING
- 4160 - THIMAR
- 4161 - BINDAWOOD
- 4162 - ALMUNAJEM
- 4164 - NAHDI
- 4163 - ALDAWAA
- 2050 - SAVOLA GROUP
- 2100 - WAFRAH
- 2270 - SADAFCO
- 2280 - ALMARAI
- 6001 - HB
- 6010 - NADEC
- 6020 - GACO
- 6040 - TADCO
- 6050 - SFICO
- 6060 - SHARQIYAH DEV
- 6070 - ALJOUF
- 6090 - JAZADCO
- 2281 - TANMIAH
- 2282 - NAQI
- 2283 - FIRST MILLS
- 4080 - SINAD HOLDING
- 2284 - MODERN MILLS
- 2285 - ARABIAN MILLS
- 2286 - FOURTH MILLING
- 4002 - MOUWASAT
- 4004 - DALLAH HEALTH
- 4005 - CARE
- 4007 - ALHAMMADI
- 4009 - SAUDI GERMAN HEALTH
- 2230 - CHEMICAL
- 4013 - SULAIMAN ALHABIB
- 2140 - AYYAN
- 4014 - EQUIPMENT HOUSE
- 4017 - FAKEEH CARE
- 1010 - RIBL
- 1020 - BJAZ
- 1030 - SAIB
- 1050 - BSF
- 1060 - SAB
- 1080 - ANB
- 1120 - ALRAJHI
- 1140 - ALBILAD
- 1150 - ALINMA
- 1180 - SNB
- 2120 - SAIC
- 4280 - KINGDOM
- 4130 - ALBAHA
- 4081 - NAYIFAT
- 1111 - TADAWUL GROUP
- 4082 - MRNA
- 1182 - AMLAK
- 1183 - SHL
- 8010 - TAWUNIYA
- 8012 - JAZIRA TAKAFUL
- 8020 - MALATH INSURANCE
- 8030 - MEDGULF
- 8040 - ALLIANZ SF
- 8050 - SALAMA
- 8060 - WALAA
- 8070 - ARABIAN SHIELD
- 8190 - UCA
- 8230 - ALRAJHI TAKAFUL
- 8280 - LIVA
- 8150 - ACIG
- 8210 - BUPA ARABIA
- 8270 - BURUJ
- 8180 - ALSAGR INSURANCE
- 8170 - ALETIHAD
- 8100 - SAICO
- 8120 - GULF UNION ALAHLIA
- 8200 - SAUDI RE
- 8160 - AICC
- 8250 - GIG
- 8240 - CHUBB
- 8260 - GULF GENERAL
- 8300 - WATANIYA
- 8310 - AMANA INSURANCE
- 8311 - ENAYA
- 8313 - RASAN
- 4330 - RIYAD REIT
- 4331 - ALJAZIRA REIT
- 4332 - JADWA REIT ALHARAMAIN
- 4333 - TALEEM REIT
- 4334 - AL MAATHER REIT
- 4335 - MUSHARAKA REIT
- 4336 - MULKIA REIT
- 4338 - ALAHLI REIT 1
- 4337 - SICO SAUDI REIT
- 4342 - JADWA REIT SAUDI
- 4340 - Al RAJHI REIT
- 4339 - DERAYAH REIT
- 4344 - SEDCO CAPITAL REIT
- 4347 - BONYAN REIT
- 4345 - ALINMA RETAIL REIT
- 4346 - MEFIC REIT
- 4348 - ALKHABEER REIT
- 4349 - ALINMA HOSPITALITY REIT
- 4350 - ALISTITHMAR REIT
- 4020 - ALAKARIA
- 4323 - SUMOU
- 4090 - TAIBA
- 4100 - MCDC
- 4150 - ARDCO
- 4220 - EMAAR EC
- 4230 - RED SEA
- 4250 - JABAL OMAR
- 4300 - DAR ALARKAN
- 4310 - KEC
- 4320 - ALANDALUS
- 4321 - CENOMI CENTERS
- 4322 - RETAL
- NOMU
-
Real Estate Mgmt & Dev't
Food & Beverages
- 9515 - FESH FASH
- 9532 - ALJOUF WATER
- 9536 - FADECO
- 9556 - NOFOTH
- 9559 - BALADY
- 9564 - HORIZON FOOD
- 9555 - LEEN ALKHAIR
- 9612 - SAMA WATER
- 9518 - CMCER
- 9530 - TIBBIYAH
- 9527 - AME
- 9544 - FUTURE CARE
- 9546 - NABA ALSAHA
- 9574 - PRO MEDEX
- 9594 - ALMODAWAT
- 9572 - ALRAZI
- 9587 - LANA
- 9600 - QOMEL
- 9604 - MIRAL
- 9513 - WATANI STEEL
- 9514 - ALNAQOOL
- 9523 - GROUP FIVE
- 9539 - AQASEEM
- 9548 - APICO
- 9553 - MOLAN
- 9565 - MEYAR
- 9552 - SAUDI TOP
- 9563 - BENA
- 9566 - LIME INDUSTRIES
- 9580 - ALRASHID INDUSTRIAL
- 9583 - UNITED MINING
- 9576 - PAPER HOME
- 9588 - RIYADH STEEL
- 9575 - MARBLE DESIGN
- 9599 - TAQAT
- 9601 - ALRASHEED
- 9605 - NEFT ALSHARQ
- 9607 - ASG
- 9609 - NAAS PETROL
- 9510 - NBM
- 9528 - GAS
- 9531 - OBEIKAN GLASS
- 9533 - SPC
- 9529 - RAOOM
- 9525 - ALWASAIL INDUSTRIAL
- 9542 - KEIR
- 9547 - RAWASI
- 9568 - MAYAR
- 9569 - ALMUNEEF
- 9578 - ATLAS ELEVATORS
- 9560 - WAJA
- 9611 - UFG
- 9540 - TADWEEER
- 9545 - ALDAWLIAH
- 9570 - TAM DEVELOPMENT
- 9581 - CLEAN LIFE
- 9593 - PAN GULF
- 9597 - LEAF
- 9608 - ALASHGHAL ALMOYSRA
- 9606 - THARWAH
- 9613 - SHALFA
- 9541 - ACADEMY OF LEARNING
- 9562 - FOOD GATE
- 9590 - ARMAH
- 9526 - JAHEZ
- 9598 - ALMOHAFAZA FOR EDUCATION
- 9603 - HORIZON EDUCATIONAL
- 9567 - GHIDA ALSULTAN
Share Price
Bank Aljazira (BJAZ)
Current | |
Market Cap (M Riyal) | 16,953.50 |
Shares Outstanding ((M)) | 1,025.00 |
EPS ( Riyal) (TTM) | 1.20 |
EPS Diluted ( Riyal) (TTM) | 1.01 |
Book Value (BV) ( Riyal) | 13.18 |
Par Value ( Riyal) | 10.00 |
Adjusted P/E (Last12) | 14.32 |
P/E (TTM) | 13.78 |
Price/book | 1.25 |
Return on Average Assets (%) (TTM) | 0.9 |
Return on Average Equity (%) (TTM) | 9.5 |
Financial results (Million)
Financial results (Million)
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
Q1 2014 | 321.65 | 21.1 % | 510.06 | 15.2 % | (65.38) | (17.8 %) |
Q2 2014 | 356.29 | 18.0 % | 557.72 | 24.4 % | (91.18) | (193.6 %) |
Q3 2014 | 377.60 | 16.9 % | 582.83 | 23.5 % | (211.19) | (7312.6 %) |
Q4 2014 | 389.54 | 17.3 % | 545.87 | 14.6 % | (15.36) | 70.9 % |
2014 | 1,445.08 | 18.2 % | 2,196.47 | 19.4 % | (383.11) | (181.0 %) |
Q1 2015 | 396.23 | 23.2 % | 624.38 | 22.4 % | (36.68) | 43.9 % |
Q2 2015 | 403.41 | 13.2 % | 611.63 | 9.7 % | (68.47) | 24.9 % |
Q3 2015 | 410.50 | 8.7 % | 532.05 | (8.7 %) | 39.81 | 118.9 % |
Q4 2015 | 390.40 | 0.2 % | 580.82 | 6.4 % | 12.27 | 179.9 % |
2015 | 1,600.54 | 10.8 % | 2,348.87 | 6.9 % | (53.06) | 86.1 % |
Q1 2016 | 370.10 | (6.6 %) | 564.65 | (9.6 %) | (27.72) | 24.4 % |
Q2 2016 | 384.52 | (4.7 %) | 579.86 | (5.2 %) | (30.67) | 55.2 % |
Q3 2016 | 407.21 | (0.8 %) | 575.36 | 8.1 % | (28.63) | (171.9 %) |
Q4 2016 | 404.66 | 3.7 % | 544.05 | (6.3 %) | (38.19) | (411.2 %) |
2016 | 1,566.48 | (2.1 %) | 2,263.92 | (3.6 %) | (125.21) | (136.0 %) |
Q1 2017 | 433.98 | 17.3 % | 617.30 | 9.3 % | (46.81) | (68.8 %) |
Q2 2017 | 453.44 | 17.9 % | 645.11 | 11.3 % | (61.94) | (101.9 %) |
Q3 2017 | 470.08 | 15.4 % | 669.25 | 16.3 % | (85.43) | (198.4 %) |
Q4 2017 | 460.11 | 13.7 % | 648.08 | 19.1 % | (72.97) | (91.1 %) |
2017 | 1,817.61 | 16.0 % | 2,579.74 | 14.0 % | (267.15) | (113.4 %) |
Q1 2018 | 457.74 | 5.5 % | 646.11 | 4.7 % | (17.10) | 63.5 % |
Q2 2018 | 479.70 | 5.8 % | 672.23 | 4.2 % | (39.22) | 36.7 % |
Q3 2018 | 478.61 | 1.8 % | 665.81 | (0.5 %) | (22.60) | 73.5 % |
Q4 2018 | 487.98 | 6.1 % | 680.59 | 5.0 % | (27.88) | 61.8 % |
2018 | 1,904.03 | 4.8 % | 2,664.75 | 3.3 % | (106.80) | 60.0 % |
Q1 2019 | 489.13 | 6.9 % | 695.83 | 7.7 % | (26.00) | (52.1 %) |
Q2 2019 | 502.23 | 4.7 % | 714.40 | 6.3 % | (12.82) | 67.3 % |
Q3 2019 | 517.66 | 8.2 % | 749.62 | 12.6 % | (40.35) | (78.5 %) |
Q4 2019 | 543.14 | 11.3 % | 817.31 | 20.1 % | (77.78) | (179.0 %) |
2019 | 2,052.16 | 7.8 % | 2,977.16 | 11.7 % | (156.95) | (47.0 %) |
Q1 2020 | 545.14 | 11.4 % | 768.92 | 10.5 % | (121.96) | (369.0 %) |
Q2 2020 | 596.66 | 18.8 % | 789.41 | 10.5 % | (173.04) | (1,249.4 %) |
Q3 2020 | 616.78 | 19.1 % | 811.90 | 8.3 % | (180.08) | (346.3 %) |
Q4 2020 | 631.80 | 16.3 % | 916.94 | 12.2 % | (1,100.67) | (1,315.2 %) |
2020 | 2,390.34 | 16.5 % | 3,287.12 | 10.4 % | (1,575.74) | (904.0 %) |
Q1 2021 | 643.78 | 18.1 % | 945.44 | 23.0 % | (152.81) | (25.3 %) |
Q2 2021 | 631.51 | 5.8 % | 828.44 | 4.9 % | (157.94) | 8.7 % |
Q3 2021 | 673.68 | 9.2 % | 878.26 | 8.2 % | (158.46) | 12.0 % |
Q4 2021 | 768.17 | 21.6 % | 895.03 | (2.4 %) | (155.35) | 85.9 % |
2021 | 2,717.14 | 13.7 % | 3,547.17 | 7.9 % | (624.57) | 60.4 % |
Q1 2022 | 728.60 | 13.2 % | 934.76 | (1.1 %) | (94.01) | 38.5 % |
Q2 2022 | 631.38 | 0.0 % | 806.92 | (2.6 %) | (39.58) | 74.9 % |
Q3 2022 | 654.33 | (2.9 %) | 881.13 | 0.3 % | (102.52) | 35.3 % |
Q4 2022 | 593.07 | (22.8 %) | 819.70 | (8.4 %) | (50.20) | 67.7 % |
2022 | 2,607.38 | (4.0 %) | 3,442.51 | (3.0 %) | (286.32) | 54.2 % |
Q1 2023 | 558.53 | (23.3 %) | 783.87 | (16.1 %) | (60.00) | 36.2 % |
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
2013 | 1,222.95 | 28.6 % | 1,839.31 | 15.1 % | (136.34) | 21.0 % |
2014 | 1,445.08 | 18.2 % | 2,196.47 | 19.4 % | (383.11) | (181.0 %) |
2015 | 1,600.54 | 10.8 % | 2,348.87 | 6.9 % | (53.06) | 86.1 % |
2016 | 1,566.48 | (2.1 %) | 2,263.92 | (3.6 %) | (125.21) | (136.0 %) |
2017 | 1,817.61 | 16.0 % | 2,579.74 | 14.0 % | (267.15) | (113.4 %) |
2018 | 1,904.03 | 4.8 % | 2,664.75 | 3.3 % | (106.80) | 60.0 % |
2019 | 2,052.16 | 7.8 % | 2,977.16 | 11.7 % | (156.95) | (47.0 %) |
2020 | 2,390.34 | 16.5 % | 3,287.12 | 10.4 % | (1,575.74) | (904.0 %) |
2021 | 2,717.14 | 13.7 % | 3,547.17 | 7.9 % | (624.57) | 60.4 % |
2022 | 2,607.38 | (4.0 %) | 3,442.51 | (3.0 %) | (286.32) | 54.2 % |
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 2014 | 159.33 | 10.5 % | 0.22 | 7.36 | 151.97 | 0.21 |
Q2 2014 | 166.71 | (0.4 %) | 0.23 | 11.44 | 155.28 | 0.22 |
Q3 2014 | 47.24 | (75.0 %) | 0.07 | - | 47.24 | 0.07 |
Q4 2014 | 199.19 | 32.5 % | 0.28 | 10.98 | 188.21 | 0.27 |
2014 | 572.47 | (12.0 %) | 0.81 | 29.77 | 542.70 | 0.76 |
Q1 2015 | 227.00 | 42.5 % | 0.32 | - | 227.00 | 0.32 |
Q2 2015 | 735.75 | 341.3 % | 1.04 | 572.65 | 163.10 | 0.23 |
Q3 2015 | 165.74 | 250.9 % | 0.23 | - | 165.74 | 0.23 |
Q4 2015 | 158.63 | (20.4 %) | 0.22 | - | 158.63 | 0.22 |
2015 | 1,287.12 | 124.8 % | 1.81 | 572.65 | 714.47 | 1.01 |
Q1 2016 | 381.31 | 68.0 % | 0.54 | 208.60 | 172.71 | 0.24 |
Q2 2016 | 177.52 | (75.9 %) | 0.25 | - | 177.52 | 0.25 |
Q3 2016 | 160.69 | (3.0 %) | 0.23 | - | 160.69 | 0.23 |
Q4 2016 | 152.43 | (3.9 %) | 0.21 | - | 152.43 | 0.21 |
2016 | 871.94 | (32.3 %) | 1.23 | 208.60 | 663.34 | 0.94 |
Q1 2017 | 215.97 | (43.4 %) | 0.30 | - | 215.97 | 0.30 |
Q2 2017 | 220.16 | 24.0 % | 0.31 | - | 220.16 | 0.31 |
Q3 2017 | 227.63 | 41.7 % | 0.32 | - | 227.63 | 0.32 |
Q4 2017 | 193.75 | 27.1 % | 0.27 | - | 193.75 | 0.27 |
2017 | 857.51 | (1.7 %) | 1.21 | - | 857.51 | 1.21 |
Q1 2018 | 236.59 | 9.5 % | 0.33 | - | 236.59 | 0.33 |
Q2 2018 | 244.17 | 10.9 % | 0.24 | - | 244.17 | 0.24 |
Q3 2018 | 247.36 | 8.7 % | 0.24 | - | 247.36 | 0.24 |
Q4 2018 | (349.84) | (280.6 %) | (0.34) | (551.50) | 201.66 | 0.20 |
2018 | 378.28 | (55.9 %) | 0.37 | (551.50) | 929.78 | 0.91 |
Q1 2019 | 235.01 | (0.7 %) | 0.23 | - | 235.01 | 0.23 |
Q2 2019 | 251.82 | 3.1 % | 0.25 | - | 251.82 | 0.25 |
Q3 2019 | 256.87 | 3.8 % | 0.25 | - | 256.87 | 0.25 |
Q4 2019 | 247.33 | 170.7 % | 0.24 | - | 247.33 | 0.24 |
2019 | 991.02 | 162.0 % | 0.97 | - | 991.02 | 0.97 |
Q1 2020 | 181.61 | (22.7 %) | 0.18 | - | 181.61 | 0.18 |
Q2 2020 | 165.77 | (34.2 %) | 0.16 | - | 165.77 | 0.16 |
Q3 2020 | 181.63 | (29.3 %) | 0.18 | - | 181.63 | 0.18 |
Q4 2020 | (495.22) | (300.2 %) | (0.48) | - | (495.22) | (0.48) |
2020 | 33.75 | (96.6 %) | 0.03 | - | 33.75 | 0.03 |
Q1 2021 | 321.59 | 77.1 % | 0.31 | - | 321.59 | 0.31 |
Q2 2021 | 251.16 | 51.5 % | 0.25 | 39.39 | 211.77 | 0.21 |
Q3 2021 | 204.53 | 12.6 % | 0.20 | (42.57) | 247.10 | 0.24 |
Q4 2021 | 228.80 | 146.2 % | 0.22 | (4.34) | 233.14 | 0.23 |
2021 | 1,006.08 | 2880.6 % | 0.98 | (7.52) | 1,013.60 | 0.99 |
Q1 2022 | 374.85 | 16.6 % | 0.37 | 51.41 | 323.44 | 0.32 |
Q2 2022 | 257.82 | 2.7 % | 0.25 | - | 257.82 | 0.25 |
Q3 2022 | 232.67 | 13.8 % | 0.23 | - | 232.67 | 0.23 |
Q4 2022 | 243.75 | 6.5 % | 0.24 | 1.39 | 242.36 | 0.24 |
2022 | 1,109.09 | 10.2 % | 1.08 | 52.80 | 1,056.29 | 1.03 |
Q1 2023 | 204.04 | (45.6 %) | 0.20 | - | 204.04 | 0.20 |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
2013 | 650.63 | 30.0 % | 0.92 | - | 650.63 | 0.92 |
2014 | 572.47 | (12.0 %) | 0.81 | 29.77 | 542.70 | 0.76 |
2015 | 1,287.12 | 124.8 % | 1.81 | 572.65 | 714.47 | 1.01 |
2016 | 871.94 | (32.3 %) | 1.23 | 208.60 | 663.34 | 0.94 |
2017 | 857.51 | (1.7 %) | 1.21 | - | 857.51 | 1.21 |
2018 | 378.28 | (55.9 %) | 0.37 | (551.50) | 929.78 | 0.91 |
2019 | 991.02 | 162.0 % | 0.97 | - | 991.02 | 0.97 |
2020 | 33.75 | (96.6 %) | 0.03 | - | 33.75 | 0.03 |
2021 | 1,006.08 | 2880.6 % | 0.98 | (7.52) | 1,013.60 | 0.99 |
2022 | 1,109.09 | 10.2 % | 1.08 | 52.80 | 1,056.29 | 1.03 |
Balance Sheet (B)
Balance Sheet Performance (B)
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
Q1 2014 | 60.64 | 12.0 % | 48.47 | 17.0 % | 36.68 | 13.2 % |
Q2 2014 | 65.80 | 17.0 % | 51.84 | 14.7 % | 38.97 | 17.0 % |
Q3 2014 | 65.63 | 18.2 % | 53.71 | 17.9 % | 40.25 | 13.7 % |
Q4 2014 | 66.55 | 11.0 % | 54.57 | 13.5 % | 41.24 | 17.9 % |
Q1 2015 | 69.37 | 14.4 % | 55.42 | 14.3 % | 40.87 | 11.4 % |
Q2 2015 | 67.63 | 2.8 % | 55.96 | 8.0 % | 42.40 | 8.8 % |
Q3 2015 | 68.31 | 4.1 % | 56.00 | 4.3 % | 42.21 | 4.9 % |
Q4 2015 | 63.26 | (4.9 %) | 49.77 | (8.8 %) | 42.17 | 2.3 % |
Q1 2016 | 65.62 | (5.4 %) | 50.66 | (8.6 %) | 43.32 | 6.0 % |
Q2 2016 | 68.27 | 0.9 % | 50.73 | (9.3 %) | 44.21 | 4.3 % |
Q3 2016 | 65.95 | (3.4 %) | 50.33 | (10.1 %) | 43.19 | 2.3 % |
Q4 2016 | 66.32 | 4.8 % | 51.60 | 3.7 % | 42.10 | (0.2 %) |
Q1 2017 | 65.11 | (0.8 %) | 49.81 | (1.7 %) | 41.33 | (4.6 %) |
Q2 2017 | 67.00 | (1.9 %) | 49.17 | (3.1 %) | 40.97 | (7.3 %) |
Q3 2017 | 67.53 | 2.4 % | 49.68 | (1.3 %) | 40.93 | (5.3 %) |
Q4 2017 | 68.29 | 3.0 % | 50.28 | (2.6 %) | 39.79 | (5.5 %) |
Q1 2018 | 67.98 | 4.4 % | 50.59 | 1.6 % | 39.14 | (5.3 %) |
Q2 2018 | 69.76 | 4.1 % | 47.77 | (2.9 %) | 39.84 | (2.8 %) |
Q3 2018 | 71.73 | 6.2 % | 50.21 | 1.1 % | 40.26 | (1.6 %) |
Q4 2018 | 73.00 | 6.9 % | 51.80 | 3.0 % | 40.90 | 2.8 % |
Q1 2019 | 73.93 | 8.8 % | 51.43 | 1.7 % | 42.13 | 7.6 % |
Q2 2019 | 77.01 | 10.4 % | 55.68 | 16.6 % | 43.60 | 9.4 % |
Q3 2019 | 80.61 | 12.4 % | 59.05 | 17.6 % | 44.53 | 10.6 % |
Q4 2019 | 86.54 | 18.5 % | 62.70 | 21.0 % | 49.66 | 21.4 % |
Q1 2020 | 89.73 | 21.4 % | 62.67 | 21.8 % | 51.98 | 23.4 % |
Q2 2020 | 91.87 | 19.3 % | 63.66 | 14.3 % | 53.76 | 23.3 % |
Q3 2020 | 91.91 | 14.0 % | 62.98 | 6.6 % | 54.14 | 21.6 % |
Q4 2020 | 92.09 | 6.4 % | 68.00 | 8.5 % | 53.96 | 8.7 % |
Q1 2021 | 94.58 | 5.4 % | 70.68 | 12.8 % | 55.17 | 6.1 % |
Q2 2021 | 95.90 | 4.4 % | 70.69 | 11.0 % | 56.90 | 5.8 % |
Q3 2021 | 98.58 | 7.3 % | 74.26 | 17.9 % | 58.44 | 7.9 % |
Q4 2021 | 102.83 | 11.7 % | 78.37 | 15.2 % | 62.43 | 15.7 % |
Q1 2022 | 104.26 | 10.2 % | 79.28 | 12.2 % | 63.20 | 14.6 % |
Q2 2022 | 114.65 | 19.6 % | 86.58 | 22.5 % | 65.57 | 15.2 % |
Q3 2022 | 110.28 | 11.9 % | 82.28 | 10.8 % | 67.65 | 15.8 % |
Q4 2022 | 115.85 | 12.7 % | 86.02 | 9.8 % | 70.60 | 13.1 % |
Q1 2023 | 119.43 | 14.6 % | 86.87 | 9.6 % | 72.03 | 14.0 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
3m 2014 | 60.64 | 12.0 % | 48.47 | 17.0 % | 36.68 | 13.2 % |
6m 2014 | 65.80 | 17.0 % | 51.84 | 14.7 % | 38.97 | 17.0 % |
9m 2014 | 65.63 | 18.2 % | 53.71 | 17.9 % | 40.25 | 13.7 % |
12m 2014 | 66.55 | 11.0 % | 54.57 | 13.5 % | 41.24 | 17.9 % |
3m 2015 | 69.37 | 14.4 % | 55.42 | 14.3 % | 40.87 | 11.4 % |
6m 2015 | 67.63 | 2.8 % | 55.96 | 8.0 % | 42.40 | 8.8 % |
9m 2015 | 68.31 | 4.1 % | 56.00 | 4.3 % | 42.21 | 4.9 % |
12m 2015 | 63.26 | (4.9 %) | 49.77 | (8.8 %) | 42.17 | 2.3 % |
3m 2016 | 65.62 | (5.4 %) | 50.66 | (8.6 %) | 43.32 | 6.0 % |
6m 2016 | 68.27 | 0.9 % | 50.73 | (9.3 %) | 44.21 | 4.3 % |
9m 2016 | 65.95 | (3.4 %) | 50.33 | (10.1 %) | 43.19 | 2.3 % |
12m 2016 | 66.32 | 4.8 % | 51.60 | 3.7 % | 42.10 | (0.2 %) |
3m 2017 | 65.11 | (0.8 %) | 49.81 | (1.7 %) | 41.33 | (4.6 %) |
6m 2017 | 67.00 | (1.9 %) | 49.17 | (3.1 %) | 40.97 | (7.3 %) |
9m 2017 | 67.53 | 2.4 % | 49.68 | (1.3 %) | 40.93 | (5.3 %) |
12m 2017 | 68.29 | 3.0 % | 50.28 | (2.6 %) | 39.79 | (5.5 %) |
3m 2018 | 67.98 | 4.4 % | 50.59 | 1.6 % | 39.14 | (5.3 %) |
6m 2018 | 69.76 | 4.1 % | 47.77 | (2.9 %) | 39.84 | (2.8 %) |
9m 2018 | 71.73 | 6.2 % | 50.21 | 1.1 % | 40.26 | (1.6 %) |
12m 2018 | 73.00 | 6.9 % | 51.80 | 3.0 % | 40.90 | 2.8 % |
3m 2019 | 73.93 | 8.8 % | 51.43 | 1.7 % | 42.13 | 7.6 % |
6m 2019 | 77.01 | 10.4 % | 55.68 | 16.6 % | 43.60 | 9.4 % |
9m 2019 | 80.61 | 12.4 % | 59.05 | 17.6 % | 44.53 | 10.6 % |
12m 2019 | 86.54 | 18.5 % | 62.70 | 21.0 % | 49.66 | 21.4 % |
3m 2020 | 89.73 | 21.4 % | 62.67 | 21.8 % | 51.98 | 23.4 % |
6m 2020 | 91.87 | 19.3 % | 63.66 | 14.3 % | 53.76 | 23.3 % |
9m 2020 | 91.91 | 14.0 % | 62.98 | 6.6 % | 54.14 | 21.6 % |
12m 2020 | 92.09 | 6.4 % | 68.00 | 8.5 % | 53.96 | 8.7 % |
3m 2021 | 94.58 | 5.4 % | 70.68 | 12.8 % | 55.17 | 6.1 % |
6m 2021 | 95.90 | 4.4 % | 70.69 | 11.0 % | 56.90 | 5.8 % |
9m 2021 | 98.58 | 7.3 % | 74.26 | 17.9 % | 58.44 | 7.9 % |
12m 2021 | 102.83 | 11.7 % | 78.37 | 15.2 % | 62.43 | 15.7 % |
3m 2022 | 104.26 | 10.2 % | 79.28 | 12.2 % | 63.20 | 14.6 % |
6m 2022 | 114.65 | 19.6 % | 86.58 | 22.5 % | 65.57 | 15.2 % |
9m 2022 | 110.28 | 11.9 % | 82.28 | 10.8 % | 67.65 | 15.8 % |
12m 2022 | 115.85 | 12.7 % | 86.02 | 9.8 % | 70.60 | 13.1 % |
3m 2023 | 119.43 | 14.6 % | 86.87 | 9.6 % | 72.03 | 14.0 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
2013 | 59.98 | 18.1 % | 48.08 | 18.2 % | 34.99 | 17.1 % |
2014 | 66.55 | 11.0 % | 54.57 | 13.5 % | 41.24 | 17.9 % |
2015 | 63.26 | (4.9 %) | 49.77 | (8.8 %) | 42.17 | 2.3 % |
2016 | 66.32 | 4.8 % | 51.60 | 3.7 % | 42.10 | (0.2 %) |
2017 | 68.29 | 3.0 % | 50.28 | (2.6 %) | 39.79 | (5.5 %) |
2018 | 73.00 | 6.9 % | 51.80 | 3.0 % | 40.90 | 2.8 % |
2019 | 86.54 | 18.5 % | 62.70 | 21.0 % | 49.66 | 21.4 % |
2020 | 92.09 | 6.4 % | 68.00 | 8.5 % | 53.96 | 8.7 % |
2021 | 102.83 | 11.7 % | 78.37 | 15.2 % | 62.43 | 15.7 % |
2022 | 115.85 | 12.7 % | 86.02 | 9.8 % | 70.60 | 13.1 % |
Profitability
Profitability
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
Q1 2014 | 1.16 % | 12.08 % | 67.07 % |
Q2 2014 | 1.09 % | 11.71 % | 66.13 % |
Q3 2014 | 0.86 % | 9.04 % | 65.24 % |
Q4 2014 | 0.90 % | 9.63 % | 65.79 % |
2014 | 0.90 % | 9.63 % | 65.79 % |
Q1 2015 | 0.98 % | 10.52 % | 65.76 % |
Q2 2015 | 1.81 % | 18.43 % | 66.26 % |
Q3 2015 | 1.98 % | 20.04 % | 69.13 % |
Q4 2015 | 1.98 % | 18.97 % | 68.14 % |
2015 | 1.98 % | 18.97 % | 68.14 % |
Q1 2016 | 2.14 % | 20.71 % | 68.78 % |
Q2 2016 | 1.30 % | 11.89 % | 68.91 % |
Q3 2016 | 1.31 % | 11.70 % | 67.47 % |
Q4 2016 | 1.35 % | 11.24 % | 69.19 % |
2016 | 1.35 % | 11.24 % | 69.19 % |
Q1 2017 | 1.08 % | 8.87 % | 70.38 % |
Q2 2017 | 1.11 % | 9.34 % | 71.34 % |
Q3 2017 | 1.22 % | 9.95 % | 71.18 % |
Q4 2017 | 1.27 % | 10.13 % | 70.46 % |
2017 | 1.27 % | 10.13 % | 70.46 % |
Q1 2018 | 1.32 % | 10.46 % | 70.59 % |
Q2 2018 | 1.32 % | 9.15 % | 70.86 % |
Q3 2018 | 1.32 % | 9.10 % | 71.28 % |
Q4 2018 | 0.54 % | 3.77 % | 71.45 % |
2018 | 0.54 % | 3.77 % | 71.45 % |
Q1 2019 | 0.53 % | 3.77 % | 71.30 % |
Q2 2019 | 0.52 % | 3.39 % | 71.03 % |
Q3 2019 | 0.52 % | 3.43 % | 70.31 % |
Q4 2019 | 1.24 % | 8.68 % | 68.93 % |
2019 | 1.24 % | 8.68 % | 68.93 % |
Q1 2020 | 1.15 % | 8.09 % | 69.11 % |
Q2 2020 | 1.01 % | 7.42 % | 70.48 % |
Q3 2020 | 0.90 % | 6.72 % | 72.21 % |
Q4 2020 | 0.04 % | 0.29 % | 72.72 % |
2020 | 0.04 % | 0.29 % | 72.72 % |
Q1 2021 | 0.19 % | 1.49 % | 71.86 % |
Q2 2021 | 0.28 % | 2.20 % | 72.05 % |
Q3 2021 | 0.30 % | 2.39 % | 72.31 % |
Q4 2021 | 1.03 % | 8.60 % | 76.60 % |
2021 | 1.03 % | 8.60 % | 76.60 % |
Q1 2022 | 1.07 % | 8.96 % | 79.23 % |
Q2 2022 | 1.01 % | 8.92 % | 79.71 % |
Q3 2022 | 1.05 % | 9.30 % | 79.10 % |
Q4 2022 | 1.01 % | 9.34 % | 75.74 % |
2022 | 1.01 % | 9.34 % | 75.74 % |
Q1 2023 | 0.84 % | 7.81 % | 74.05 % |
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
2013 | 1.17 % | 12.12 % | 66.49 % |
2014 | 0.90 % | 9.63 % | 65.79 % |
2015 | 1.98 % | 18.97 % | 68.14 % |
2016 | 1.35 % | 11.24 % | 69.19 % |
2017 | 1.27 % | 10.13 % | 70.46 % |
2018 | 0.54 % | 3.77 % | 71.45 % |
2019 | 1.24 % | 8.68 % | 68.93 % |
2020 | 0.04 % | 0.29 % | 72.72 % |
2021 | 1.03 % | 8.60 % | 76.60 % |
2022 | 1.01 % | 9.34 % | 75.74 % |
Ratios
Ratios
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
Q1 2014 | 79.93 % | 60.49 % | 75.69 % |
Q2 2014 | 78.78 % | 59.23 % | 75.18 % |
Q3 2014 | 81.83 % | 61.33 % | 74.95 % |
Q4 2014 | 81.99 % | 61.97 % | 75.58 % |
Q1 2015 | 79.89 % | 58.92 % | 73.75 % |
Q2 2015 | 82.75 % | 62.70 % | 75.77 % |
Q3 2015 | 81.98 % | 61.79 % | 75.37 % |
Q4 2015 | 78.66 % | 66.66 % | 84.75 % |
Q1 2016 | 77.19 % | 66.02 % | 85.52 % |
Q2 2016 | 74.31 % | 64.76 % | 87.15 % |
Q3 2016 | 76.32 % | 65.49 % | 85.81 % |
Q4 2016 | 77.81 % | 63.48 % | 81.58 % |
Q1 2017 | 76.50 % | 63.47 % | 82.97 % |
Q2 2017 | 73.38 % | 61.15 % | 83.33 % |
Q3 2017 | 73.56 % | 60.61 % | 82.39 % |
Q4 2017 | 73.63 % | 58.27 % | 79.14 % |
Q1 2018 | 74.43 % | 57.58 % | 77.36 % |
Q2 2018 | 68.47 % | 57.10 % | 83.40 % |
Q3 2018 | 70.00 % | 56.12 % | 80.17 % |
Q4 2018 | 70.96 % | 56.02 % | 78.95 % |
Q1 2019 | 69.57 % | 56.99 % | 81.91 % |
Q2 2019 | 72.30 % | 56.61 % | 78.30 % |
Q3 2019 | 73.25 % | 55.24 % | 75.41 % |
Q4 2019 | 72.44 % | 57.38 % | 79.21 % |
Q1 2020 | 69.84 % | 57.93 % | 82.94 % |
Q2 2020 | 69.29 % | 58.51 % | 84.45 % |
Q3 2020 | 68.52 % | 58.90 % | 85.97 % |
Q4 2020 | 73.85 % | 58.60 % | 79.35 % |
Q1 2021 | 74.73 % | 58.33 % | 78.06 % |
Q2 2021 | 73.72 % | 59.34 % | 80.49 % |
Q3 2021 | 75.34 % | 59.28 % | 78.69 % |
Q4 2021 | 76.21 % | 60.72 % | 79.67 % |
Q1 2022 | 76.04 % | 60.62 % | 79.72 % |
Q2 2022 | 75.52 % | 57.20 % | 75.74 % |
Q3 2022 | 74.61 % | 61.35 % | 82.22 % |
Q4 2022 | 74.25 % | 60.94 % | 82.07 % |
Q1 2023 | 72.73 % | 60.31 % | 82.92 % |
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
2013 | 80.17 % | 58.35 % | 72.78 % |
2014 | 81.99 % | 61.97 % | 75.58 % |
2015 | 78.66 % | 66.66 % | 84.75 % |
2016 | 77.81 % | 63.48 % | 81.58 % |
2017 | 73.63 % | 58.27 % | 79.14 % |
2018 | 70.96 % | 56.02 % | 78.95 % |
2019 | 72.44 % | 57.38 % | 79.21 % |
2020 | 73.85 % | 58.60 % | 79.35 % |
2021 | 76.21 % | 60.72 % | 79.67 % |
2022 | 74.25 % | 60.94 % | 82.07 % |
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 | 709.43 | 0.94 | 0.93 | - | 8.26 |
Q2 2014 | 709.43 | 0.94 | 0.91 | - | 8.43 |
Q3 2014 | 709.43 | 0.74 | 0.71 | - | 8.50 |
Q4 2014 | 709.43 | 0.81 | 0.76 | - | 8.68 |
Q1 2015 | 709.43 | 0.90 | 0.87 | - | 8.90 |
Q2 2015 | 709.43 | 1.70 | 0.88 | - | 10.07 |
Q3 2015 | 709.43 | 1.87 | 1.05 | - | 10.17 |
Q4 2015 | 709.43 | 1.81 | 1.01 | - | 10.45 |
Q1 2016 | 709.43 | 2.03 | 0.93 | - | 10.72 |
Q2 2016 | 709.43 | 1.24 | 0.95 | - | 10.86 |
Q3 2016 | 709.43 | 1.24 | 0.94 | - | 11.00 |
Q4 2016 | 709.43 | 1.23 | 0.94 | - | 11.42 |
Q1 2017 | 709.43 | 1.00 | 1.00 | - | 11.74 |
Q2 2017 | 709.43 | 1.06 | 1.06 | - | 11.74 |
Q3 2017 | 709.43 | 1.15 | 1.15 | - | 12.13 |
Q4 2017 | 709.43 | 1.21 | 1.21 | - | 12.44 |
Q1 2018 | 709.43 | 1.24 | 1.24 | - | 11.94 |
Q2 2018 | 1,025.00 | 0.88 | 0.88 | - | 11.12 |
Q3 2018 | 1,025.00 | 0.90 | 0.90 | - | 11.36 |
Q4 2018 | 1,025.00 | 0.37 | 0.91 | - | 10.97 |
Q1 2019 | 1,025.00 | 0.37 | 0.91 | - | 11.21 |
Q2 2019 | 1,025.00 | 0.37 | 0.91 | - | 11.04 |
Q3 2019 | 1,025.00 | 0.38 | 0.92 | - | 11.04 |
Q4 2019 | 1,025.00 | 0.97 | 0.97 | - | 11.31 |
Q1 2020 | 1,025.00 | 0.91 | 0.91 | - | 11.39 |
Q2 2020 | 1,025.00 | 0.83 | 0.83 | - | 11.35 |
Q3 2020 | 1,025.00 | 0.76 | 0.76 | - | 11.51 |
Q4 2020 | 1,025.00 | 0.03 | 0.03 | 0.04 | 11.09 |
Q1 2021 | 1,025.00 | 0.17 | 0.17 | 0.17 | 11.44 |
Q2 2021 | 1,025.00 | 0.25 | 0.21 | 0.26 | 11.64 |
Q3 2021 | 1,025.00 | 0.28 | 0.28 | 0.28 | 11.51 |
Q4 2021 | 1,025.00 | 0.98 | 0.99 | 0.98 | 11.73 |
Q1 2022 | 1,025.00 | 1.03 | 0.99 | 1.02 | 11.63 |
Q2 2022 | 1,025.00 | 1.04 | 1.04 | 1.00 | 11.69 |
Q3 2022 | 1,025.00 | 1.07 | 1.02 | 1.02 | 11.45 |
Q4 2022 | 1,025.00 | 1.08 | 1.03 | 1.00 | 11.45 |
Q1 2023 | 1,025.00 | 0.92 | 0.91 | 0.86 | 11.80 |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
2013 | 709.43 | 0.92 | 0.92 | - | 8.07 |
2014 | 709.43 | 0.81 | 0.76 | - | 8.68 |
2015 | 709.43 | 1.81 | 1.01 | - | 10.45 |
2016 | 709.43 | 1.23 | 0.94 | - | 11.42 |
2017 | 709.43 | 1.21 | 1.21 | - | 12.44 |
2018 | 1,025.00 | 0.37 | 0.91 | - | 10.97 |
2019 | 1,025.00 | 0.97 | 0.97 | - | 11.31 |
2020 | 1,025.00 | 0.03 | 0.03 | 0.03 | 11.09 |
2021 | 1,025.00 | 0.98 | 0.99 | 0.98 | 11.73 |
2022 | 1,025.00 | 1.08 | 1.03 | 1.01 | 11.45 |
Multiple Ratios (End of Period Price)
Ratios And Multiples
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
Q1 2014 | 27.21 | 27.51 | 3.09 |
Q2 2014 | 26.57 | 27.34 | 2.96 |
Q3 2014 | 39.58 | 41.05 | 3.44 |
Q4 2014 | 28.05 | 29.58 | 2.61 |
Q1 2015 | 25.30 | 26.22 | 2.56 |
Q2 2015 | 13.58 | 26.24 | 2.30 |
Q3 2015 | 8.83 | 15.75 | 1.62 |
Q4 2015 | 7.28 | 13.12 | 1.26 |
Q1 2016 | 5.33 | 11.64 | 1.01 |
Q2 2016 | 8.40 | 11.00 | 0.96 |
Q3 2016 | 6.56 | 8.61 | 0.74 |
Q4 2016 | 9.40 | 12.36 | 1.01 |
Q1 2017 | 13.51 | 13.51 | 1.15 |
Q2 2017 | 11.77 | 11.77 | 1.06 |
Q3 2017 | 12.71 | 12.71 | 1.21 |
Q4 2017 | 11.09 | 11.09 | 1.08 |
Q1 2018 | 10.46 | 10.46 | 1.08 |
Q2 2018 | 13.42 | 13.42 | 1.06 |
Q3 2018 | 12.84 | 12.84 | 1.02 |
Q4 2018 | 30.96 | 12.59 | 1.04 |
Q1 2019 | 36.53 | 14.82 | 1.20 |
Q2 2019 | 32.60 | 13.39 | 1.11 |
Q3 2019 | 28.15 | 11.73 | 0.98 |
Q4 2019 | 12.44 | 12.44 | 1.06 |
Q1 2020 | 9.92 | 9.92 | 0.80 |
Q2 2020 | 10.88 | 10.88 | 0.80 |
Q3 2020 | 14.81 | 14.81 | 0.97 |
Q4 2020 | More than 100 | More than 100 | 0.99 |
Q1 2021 | More than 100 | More than 100 | 1.10 |
Q2 2021 | More than 100 | More than 100 | 1.27 |
Q3 2021 | More than 100 | More than 100 | 1.28 |
Q4 2021 | 15.76 | 15.64 | 1.32 |
Q1 2022 | 20.73 | 21.62 | 1.81 |
Q2 2022 | 17.84 | 17.92 | 1.53 |
Q3 2022 | 17.67 | 18.47 | 1.58 |
Q4 2022 | 15.20 | 15.96 | 1.33 |
Q1 2023 | 16.99 | 17.01 | 1.23 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
2013 | 25.04 | 25.04 | 2.84 |
2014 | 28.05 | 29.58 | 2.61 |
2015 | 7.28 | 13.12 | 1.26 |
2016 | 9.40 | 12.36 | 1.01 |
2017 | 11.09 | 11.09 | 1.08 |
2018 | 30.96 | 12.59 | 1.04 |
2019 | 12.44 | 12.44 | 1.06 |
2020 | More than 100 | More than 100 | 0.99 |
2021 | 15.76 | 15.64 | 1.32 |
2022 | 15.16 | 15.92 | 1.33 |
Business Segments (Million)
Q1 2023
Revenue by Business Segment (Latest) 2023 Q1
2023
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Brokerage and Asset Management | Takaful Ta'awni | Others |
---|---|---|---|---|---|---|
Q1 2014 | 149.23 | 108.40 | 177.78 | 86.67 | 5.72 | (10.39) |
Q2 2014 | 154.19 | 136.57 | 183.90 | 103.10 | 5.70 | (14.31) |
Q3 2014 | 241.80 | 152.13 | 94.78 | 103.80 | 16.80 | (15.06) |
Q4 2014 | 194.50 | 161.40 | 158.34 | 52.81 | 5.42 | (15.63) |
Q1 2015 | 211.86 | 173.44 | 153.59 | 94.53 | 5.44 | (14.49) |
Q2 2015 | 220.02 | 153.97 | 170.90 | 88.18 | 5.37 | 545.83 |
Q3 2015 | 213.55 | 144.66 | 156.01 | 34.56 | 5.29 | (22.03) |
Q4 2015 | 248.50 | 105.60 | 191.82 | 53.46 | 5.24 | (23.79) |
Q1 2016 | 251.38 | 120.43 | 166.80 | 53.64 | 4.52 | 176.49 |
Q2 2016 | 245.82 | 110.98 | 197.39 | 51.27 | 4.75 | (30.34) |
Q3 2016 | 230.30 | 124.05 | 203.25 | 37.20 | 5.84 | (25.29) |
Q4 2016 | 191.78 | 128.75 | 196.50 | 51.38 | 5.11 | (29.47) |
Q1 2017 | 253.88 | 143.41 | 203.93 | 47.12 | 5.10 | (36.14) |
Q2 2017 | 270.06 | 151.98 | 219.07 | 42.23 | 4.78 | (43.00) |
Q3 2017 | 281.75 | 127.62 | 268.85 | 42.18 | 4.67 | (55.81) |
Q4 2017 | 276.54 | 115.18 | 258.46 | 45.42 | 5.21 | (52.73) |
Q1 2018 | 281.78 | 112.34 | 254.45 | 46.80 | 4.81 | (54.06) |
Q2 2018 | 292.74 | 108.63 | 280.93 | 45.51 | 4.90 | (60.48) |
Q3 2018 | 298.25 | 111.60 | 277.52 | 35.48 | 4.83 | (61.86) |
Q4 2018 | 312.71 | 100.82 | 279.43 | 44.35 | 4.61 | (61.32) |
Q1 2019 | 336.04 | 122.71 | 257.01 | 41.97 | 4.46 | (66.36) |
Q2 2019 | 345.58 | 126.47 | 267.15 | 38.29 | 4.42 | (67.51) |
Q3 2019 | 355.96 | 117.66 | 312.05 | 37.62 | 4.42 | (78.08) |
Q4 2019 | 364.63 | 189.87 | 302.46 | 49.76 | 4.31 | (93.72) |
Q1 2020 | 427.82 | 147.36 | 244.29 | 50.52 | 0.39 | (101.46) |
Q2 2020 | 396.92 | 152.77 | 269.36 | 49.49 | (0.39) | (78.73) |
Q3 2020 | 395.15 | 151.67 | 276.16 | 74.43 | - | (85.51) |
Q4 2020 | 468.08 | 153.50 | 263.10 | 107.52 | - | (75.30) |
Q1 2021 | 474.07 | 175.37 | 256.47 | 95.80 | - | (56.27) |
Q2 2021 | 454.23 | 157.11 | 188.19 | 72.11 | - | (43.21) |
Q3 2021 | 497.52 | 179.43 | 194.90 | 65.85 | - | (59.44) |
Q4 2021 | 486.82 | 168.13 | 222.19 | 77.46 | - | (59.57) |
Q1 2022 | 515.10 | 188.06 | 262.95 | 76.67 | - | (56.61) |
Q2 2022 | 457.64 | 178.10 | 166.27 | 69.62 | - | (64.70) |
Q3 2022 | 450.02 | 208.63 | 224.47 | 83.41 | - | (85.41) |
Q4 2022 | 393.27 | 232.75 | 161.21 | 110.83 | - | (76.96) |
Q1 2023 | 408.45 | 210.16 | 154.19 | 79.66 | - | (68.58) |
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Brokerage and Asset Management | Takaful Ta'awni | Others |
---|---|---|---|---|---|---|
2013 | 547.92 | 491.85 | 542.70 | 274.70 | 21.39 | (39.24) |
2014 | 739.72 | 558.51 | 614.79 | 346.39 | 22.22 | (55.39) |
2015 | 893.94 | 577.67 | 672.32 | 270.73 | 21.34 | 485.52 |
2016 | 919.29 | 484.21 | 763.93 | 193.48 | 20.21 | 91.39 |
2017 | 1,082.22 | 538.19 | 950.31 | 176.95 | 19.75 | (187.68) |
2018 | 1,185.48 | 433.39 | 1,092.33 | 172.14 | 19.14 | (237.73) |
2019 | 1,402.21 | 556.71 | 1,138.67 | 167.64 | 17.60 | (305.67) |
2020 | 1,687.96 | 605.30 | 1,052.91 | 281.95 | - | (341.00) |
2021 | 1,912.64 | 680.04 | 861.75 | 311.22 | - | (218.49) |
2022 | 1,816.03 | 807.53 | 814.89 | 340.53 | - | (283.68) |
Analysts Estimates (Million)
Analysts Estimates (Million)
Item | Q1 2023 (e) | Q1 2023 (a) | Change |
---|---|---|---|
Average | 295.54 | 204.04 | (31.0 %) |
Estimates vs Actual (Million)
Estimates Accuracy
Item | Q1 2023 (e) | Q1 2023 (a) | Change |
---|---|---|---|
OSOOL AND BAKHEET | 283.08 | 204.04 | (27.9) % |
SNB Capital | 308.00 | 204.04 | (33.8) % |
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