Bank AlJazira profit grows to SAR 950.7M in 9M 2024; Q3 at SAR 332.7M

27/10/2024 Argaam Exclusive

Bank AlJazira reported a net profit of SAR 950.7 million for the first nine months of 2024, an increase from SAR 740.7 million a year earlier.



Financials (Million Riyal)

Item 9m 2023 9m 2024 Change‬
Net Special Commission Income 1,731.98 1,899.30 9.7 %
Operating Income 2,428.84 2,812.08 15.8 %
Total Provisions (160.94) (225.44) (40.1 %)
Net Income 740.68 950.71 28.4 %
Average Shares 1,281.25 1,281.25 -
Earnings Per Share before unusual items (Riyals) 0.57 0.71 25.3 %
EPS (Riyal) 0.58 0.74 28.4 %
EPS Diluted (Riyal) 0.55 0.66 21.3 %

Net financing and investment income surged by 10% year-on-year (YoY) in 9M 2024. This was due to the 29% hike in income from investments and financing, mainly due to higher income from financing with banks and other financial institutions as well as Shariah-compliant derivatives, which soared as a result of portfolio growth and higher interest rates.

 

Further, the bank’s 28% YoY profit rise was fueled by the 15% uptick in operating income, primarily driven by higher net financing and investment income, net gains on FVIS financial instruments, net fees from banking services, other operating income, dividend income and net exchange income.

 

On the other hand, the yield on deposits and financial liabilities expanded by 41% during the nine-month period. This was mainly due to the increased return on customer deposits, besides dues to banks and other financial institutions as well as Shariah-compliant derivatives.

 

The annual profit growth was also capped by the 10% YoY leap in total operating expenses amid an uptick other general and administrative expenses, net impairment charges for financing and other financial assets, salaries and employee-related expenses, depreciation and amortization expenses, and rent and premises-related expenses.



Current Quarter Comparison (Million Riyal)

Compared With The
Item Q3 2023 Q3 2024 Change‬
Net Special Commission Income 607.83 649.82 6.9 %
Operating Income 837.24 1,020.72 21.9 %
Debt Provisions (48.77) (86.65) (77.7 %)
Net Income 276.04 332.72 20.5 %
Average Shares 1,281.25 1,281.25 -
Earnings Per Share before unusual items (Riyal) 0.20 0.26 27.9 %
EPS (Riyal) 0.22 0.26 20.5 %
EPS Diluted (Riyal) 0.21 0.26 20.8 %

In Q3 2024, net profit rose 20.5% to SAR 332.7 million, from SAR 276.04 million a year earlier, mainly due to a 7% YoY increase in net financing and investment income.

 

On a sequential basis, net profit rose 4.8% from SAR 317.55 million.



Balance Sheet (Billion Riyal)

Item 9m 2023 9m 2024 Change‬
Assets 129.25 145.40 12.5 %
Customer Deposits 90.65 103.35 14.0 %
Loan 79.41 92.71 16.7 %

Total shareholders’ equity, no minority interest and after excluding sukuk, stood at SAR 13.51 billion as of Sept. 30, 2024, compared with SAR 12.45 billion a year earlier.

 

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Share Price

Bank Aljazira
11.02
(0.03) (0.27 %)

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Financial Ratios
Current
Market Cap (M Riyal) 14,119.38
Shares Outstanding ((M)) 1,281.25
Recurring EPS ( Riyal) (TTM) 1.31
EPS Diluted ( Riyal) (TTM) 0.79
Book Value (BV) ( Riyal) 11.89
Par Value ( Riyal) 10.00
Recurring P/E (TTM) 8.40
P/E (TTM) 8.40
Price/book 0.93
Dividend Yield (%) (Last Year) 4.52
Return on Average Assets (%) (TTM) 1.0
Return on Average Equity (%) (TTM) 11.2
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Financial results (Million Riyal)

Period Net Special Commission Income Change Operating Income Change Debt Provisions Change
Q1 2002 - - - - - -
Q2 2002 - - - - - -
Q3 2002 - - - - - -
Q4 2002 - - - - - -
Q1 2003 39.07 - 56.85 - (4.00) -
Q2 2003 35.40 - 87.90 - (26.28) -
Q3 2003 39.95 - 109.23 - (30.92) -
Q4 2003 43.57 - 87.70 - (17.56) -
Q1 2004 43.00 10.1 % 128.49 126.0 % (38.58) (864.5 %)
Q2 2004 45.27 27.9 % 181.53 106.5 % (82.86) (215.3 %)
Q3 2004 47.92 20.0 % 143.18 31.1 % (21.12) 31.7 %
Q4 2004 51.73 18.7 % 147.00 67.6 % (19.64) (11.9 %)
Q1 2005 54.14 25.9 % 169.45 31.9 % (23.81) 38.3 %
Q2 2005 64.29 42.0 % 314.41 73.2 % (59.02) 28.8 %
Q3 2005 78.08 62.9 % 351.45 145.5 % (35.84) (69.7 %)
Q4 2005 79.90 54.5 % 483.29 228.8 % (0.06) 99.7 %
Q1 2006 103.21 90.6 % 816.87 382.1 % (20.35) 14.5 %
Q2 2006 105.34 63.8 % 899.94 186.2 % (0.30) 99.5 %
Q3 2006 133.01 70.4 % 525.44 49.5 % 22.24 162.0 %
Q4 2006 135.09 69.1 % 373.14 (22.8 %) (17.67) (29,854.2 %)
Q1 2007 138.75 34.4 % 415.17 (49.2 %) 21.35 204.9 %
Q2 2007 155.74 47.8 % 363.33 (59.6 %) 2.33 873.1 %
Q3 2007 146.56 10.2 % 321.85 (38.7 %) 1.27 (94.3 %)
Q4 2007 154.08 14.1 % 346.45 (7.2 %) 0.96 105.5 %
Q1 2008 166.91 20.3 % 341.75 (17.7 %) (1.72) (108.1 %)
Q2 2008 167.77 7.7 % 331.32 (8.8 %) (23.48) (1109.2 %)
Q3 2008 154.35 5.3 % 257.29 (20.1 %) 0.12 (90.9 %)
Q4 2008 142.38 (7.6 %) 206.19 (40.5 %) (36.07) (3841.8 %)
Q1 2009 172.59 3.4 % 276.60 (19.1 %) 0.55 131.7 %
Q2 2009 186.48 11.1 % 349.41 5.5 % (39.65) (68.8 %)
Q3 2009 161.91 4.9 % 358.16 39.2 % (115.68) (99820.7 %)
Q4 2009 146.80 3.1 % 186.86 (9.4 %) (257.31) (613.3 %)
Q1 2010 168.44 (2.4 %) 305.10 10.3 % (110.00) (20283.5 %)
Q2 2010 187.78 0.7 % 295.20 (15.5 %) (93.82) (136.6 %)
Q3 2010 175.35 8.3 % 292.61 (18.3 %) (93.36) 19.3 %
Q4 2010 185.69 26.5 % 262.16 40.3 % (65.05) 74.7 %
Q1 2011 183.23 8.8 % 276.26 (9.5 %) 4.25 103.9 %
Q2 2011 191.66 2.1 % 308.29 4.4 % (43.99) 53.1 %
Q3 2011 210.03 19.8 % 293.71 0.4 % (22.72) 75.7 %
Q4 2011 196.53 5.8 % 329.83 25.8 % (7.89) 87.9 %
Q1 2012 218.62 19.3 % 425.74 54.1 % (47.73) (1223.5 %)
Q2 2012 241.06 25.8 % 408.51 32.5 % (56.81) (29.2 %)
Q3 2012 244.65 16.5 % 391.92 33.4 % (35.66) (56.9 %)
Q4 2012 246.55 25.4 % 371.41 12.6 % (32.28) (309.1 %)
Q1 2013 265.70 21.5 % 442.62 4.0 % (55.48) (16.3 %)
Q2 2013 301.98 25.3 % 448.47 9.8 % (31.05) 45.3 %
Q3 2013 323.13 32.1 % 471.88 20.4 % 2.93 108.2 %
Q4 2013 332.14 34.7 % 476.34 28.3 % (52.74) (63.4 %)
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 %
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 %
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 %)
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 %)
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 %
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 %)
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 %)
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 %
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 %
Q1 2023 558.53 (23.3 %) 783.87 (16.1 %) (60.00) 36.2 %
Q2 2023 565.62 (10.4 %) 807.73 0.1 % (52.18) (31.8 %)
Q3 2023 607.83 (7.1 %) 837.24 (5.0 %) (48.77) 52.4 %
Q4 2023 642.82 8.4 % 886.46 8.1 % (68.12) (35.7 %)
Q1 2024 620.08 11.0 % 888.30 13.3 % (54.33) 9.5 %
Q2 2024 629.41 11.3 % 903.06 11.8 % (84.46) (61.9 %)
Q3 2024 649.82 6.9 % 1,020.72 21.9 % (86.65) (77.7 %)


Profit Performance (Million Riyal)

Period Net Income Change EPS(Riyal) Extraordinary Income/Expense Net Profit Before Unusual Items EPS(Riyal)
Q1 2002 - - - - - -
Q2 2002 - - - - - -
Q3 2002 - - - - - -
Q4 2002 - - - - - -
Q1 2003 19.79 - 0.02 - 19.79 0.02
Q2 2003 22.09 - 0.03 - 22.09 0.03
Q3 2003 29.70 - 0.03 - 29.70 0.03
Q4 2003 21.91 - 0.02 - 21.91 0.02
Q1 2004 31.66 60.0 % 0.04 - 31.66 0.04
Q2 2004 35.61 61.2 % 0.04 - 35.61 0.04
Q3 2004 51.47 73.3 % 0.06 - 51.47 0.06
Q4 2004 69.01 215.0 % 0.08 - 69.01 0.08
Q1 2005 74.53 135.4 % 0.08 - 74.53 0.08
Q2 2005 179.72 404.6 % 0.20 - 179.72 0.20
Q3 2005 229.52 346.0 % 0.26 - 229.52 0.26
Q4 2005 390.62 466.1 % 0.44 - 390.62 0.44
Q1 2006 683.35 816.9 % 0.77 - 683.35 0.77
Q2 2006 664.19 269.6 % 0.75 (100.00) 764.19 0.86
Q3 2006 424.35 84.9 % 0.48 - 424.35 0.48
Q4 2006 202.06 (48.3 %) 0.23 - 202.06 0.23
Q1 2007 302.45 (55.7 %) 0.34 - 302.45 0.34
Q2 2007 207.28 (68.8 %) 0.23 - 207.28 0.23
Q3 2007 135.00 (68.2 %) 0.15 - 135.00 0.15
Q4 2007 160.46 (20.6 %) 0.18 - 160.46 0.18
Q1 2008 153.35 (49.3 %) 0.17 - 153.35 0.17
Q2 2008 99.89 (51.8 %) 0.11 - 99.89 0.11
Q3 2008 60.87 (54.9 %) 0.07 - 60.87 0.07
Q4 2008 (91.77) (157.2 %) (0.10) - (91.77) (0.10)
Q1 2009 102.23 (33.3 %) 0.12 - 102.23 0.12
Q2 2009 121.23 21.4 % 0.14 - 121.23 0.14
Q3 2009 69.79 14.6 % 0.08 - 69.79 0.08
Q4 2009 (265.72) (189.5 %) (0.30) - (265.72) (0.30)
Q1 2010 12.61 (87.7 %) 0.01 - 12.61 0.01
Q2 2010 21.31 (82.4 %) 0.02 - 21.31 0.02
Q3 2010 22.13 (68.3 %) 0.02 - 22.13 0.02
Q4 2010 (27.14) 89.8 % (0.03) - (27.14) (0.03)
Q1 2011 62.29 393.9 % 0.07 - 62.29 0.07
Q2 2011 64.20 201.3 % 0.07 - 64.20 0.07
Q3 2011 66.02 198.3 % 0.07 - 66.02 0.07
Q4 2011 110.35 506.5 % 0.12 - 110.35 0.12
Q1 2012 143.04 129.6 % 0.16 - 143.04 0.16
Q2 2012 129.17 101.2 % 0.15 - 129.17 0.15
Q3 2012 130.46 97.6 % 0.15 - 130.46 0.15
Q4 2012 97.81 (11.4 %) 0.11 - 97.81 0.11
Q1 2013 144.24 0.8 % 0.16 - 144.24 0.16
Q2 2013 167.39 29.6 % 0.19 - 167.39 0.19
Q3 2013 188.68 44.6 % 0.21 - 188.68 0.21
Q4 2013 150.32 53.7 % 0.17 - 150.32 0.17
Q1 2014 159.33 10.5 % 0.18 7.36 151.97 0.17
Q2 2014 166.71 (0.4 %) 0.19 11.44 155.28 0.18
Q3 2014 47.24 (75.0 %) 0.05 - 47.24 0.05
Q4 2014 199.19 32.5 % 0.22 10.98 188.21 0.21
Q1 2015 227.00 42.5 % 0.26 - 227.00 0.26
Q2 2015 735.75 341.3 % 0.83 572.65 163.10 0.18
Q3 2015 165.74 250.9 % 0.19 - 165.74 0.19
Q4 2015 158.63 (20.4 %) 0.18 - 158.63 0.18
Q1 2016 381.31 68.0 % 0.43 208.60 172.71 0.19
Q2 2016 177.52 (75.9 %) 0.20 - 177.52 0.20
Q3 2016 160.69 (3.0 %) 0.18 - 160.69 0.18
Q4 2016 152.43 (3.9 %) 0.17 - 152.43 0.17
Q1 2017 215.97 (43.4 %) 0.24 - 215.97 0.24
Q2 2017 220.16 24.0 % 0.25 - 220.16 0.25
Q3 2017 227.63 41.7 % 0.26 - 227.63 0.26
Q4 2017 193.75 27.1 % 0.22 - 193.75 0.22
Q1 2018 236.59 9.5 % 0.27 - 236.59 0.27
Q2 2018 244.17 10.9 % 0.19 - 244.17 0.19
Q3 2018 247.36 8.7 % 0.19 - 247.36 0.19
Q4 2018 (349.84) (280.6 %) (0.27) (551.50) 201.66 0.16
Q1 2019 235.01 (0.7 %) 0.18 - 235.01 0.18
Q2 2019 251.82 3.1 % 0.20 - 251.82 0.20
Q3 2019 256.87 3.8 % 0.20 - 256.87 0.20
Q4 2019 247.33 170.7 % 0.19 - 247.33 0.19
Q1 2020 181.61 (22.7 %) 0.14 - 181.61 0.14
Q2 2020 165.77 (34.2 %) 0.13 - 165.77 0.13
Q3 2020 181.63 (29.3 %) 0.14 - 181.63 0.14
Q4 2020 (495.22) (300.2 %) (0.39) - (495.22) (0.39)
Q1 2021 321.59 77.1 % 0.25 - 321.59 0.25
Q2 2021 251.16 51.5 % 0.20 39.39 211.77 0.17
Q3 2021 204.53 12.6 % 0.16 (42.57) 247.10 0.19
Q4 2021 228.80 146.2 % 0.18 (4.34) 233.14 0.18
Q1 2022 374.85 16.6 % 0.29 51.41 323.44 0.25
Q2 2022 257.82 2.7 % 0.20 - 257.82 0.20
Q3 2022 232.67 13.8 % 0.18 - 232.67 0.18
Q4 2022 243.75 6.5 % 0.19 1.39 242.36 0.19
Q1 2023 204.04 (45.6 %) 0.16 - 204.04 0.16
Q2 2023 260.61 1.1 % 0.20 - 260.61 0.20
Q3 2023 276.04 18.6 % 0.22 15.92 260.12 0.20
Q4 2023 279.29 14.6 % 0.22 3.44 275.85 0.22
Q1 2024 300.44 47.2 % 0.23 - 300.44 0.23
Q2 2024 317.55 21.9 % 0.25 42.57 274.98 0.21
Q3 2024 332.72 20.5 % 0.26 - 332.72 0.26


Balance Sheet (Billion Riyal)

Period Assets Change Customer Deposits Change Loan Change
Q1 2002 - - - - - -
Q2 2002 - - - - - -
Q3 2002 - - - - - -
Q4 2002 - - - - - -
Q1 2003 5.86 - 4.60 - 2.98 -
Q2 2003 6.73 - 5.28 - 4.06 -
Q3 2003 8.40 - 6.78 - 4.88 -
Q4 2003 8.99 - 7.54 - 4.66 -
Q1 2004 9.80 67.2 % 8.25 79.5 % 4.70 58.0 %
Q2 2004 8.79 30.6 % 7.06 33.5 % 4.37 7.7 %
Q3 2004 10.17 21.1 % 8.36 23.4 % 4.86 (0.5 %)
Q4 2004 10.72 19.3 % 8.14 8.1 % 5.19 11.3 %
Q1 2005 11.17 14.0 % 8.97 8.6 % 5.62 19.6 %
Q2 2005 12.73 44.8 % 9.92 40.6 % 6.57 50.4 %
Q3 2005 13.20 29.8 % 10.28 23.0 % 6.61 36.0 %
Q4 2005 14.17 32.1 % 10.82 32.8 % 6.91 33.2 %
Q1 2006 13.39 19.9 % 9.15 2.1 % 6.35 12.9 %
Q2 2006 14.85 16.7 % 10.59 6.8 % 5.79 (11.8 %)
Q3 2006 15.36 16.3 % 10.83 5.3 % 5.57 (15.8 %)
Q4 2006 15.71 10.9 % 10.92 0.9 % 6.27 (9.3 %)
Q1 2007 17.12 27.9 % 12.04 31.5 % 6.85 7.9 %
Q2 2007 15.72 5.8 % 10.59 0.0 % 7.20 24.3 %
Q3 2007 16.35 6.5 % 11.21 3.6 % 8.26 48.3 %
Q4 2007 21.56 37.2 % 15.65 43.3 % 9.88 57.5 %
Q1 2008 22.90 33.8 % 15.93 32.3 % 11.91 74.0 %
Q2 2008 24.28 54.5 % 17.29 63.2 % 14.00 94.5 %
Q3 2008 23.40 43.2 % 16.86 50.3 % 14.09 70.6 %
Q4 2008 27.52 27.6 % 20.90 33.6 % 15.13 53.2 %
Q1 2009 27.07 18.2 % 21.37 34.2 % 15.31 28.5 %
Q2 2009 28.94 19.2 % 22.15 28.1 % 15.82 13.0 %
Q3 2009 29.16 24.6 % 22.19 31.6 % 15.60 10.7 %
Q4 2009 29.98 8.9 % 22.14 5.9 % 15.50 2.5 %
Q1 2010 27.79 2.7 % 19.20 (10.2 %) 16.34 6.7 %
Q2 2010 29.17 0.8 % 22.66 2.3 % 17.41 10.0 %
Q3 2010 29.85 2.4 % 22.61 1.9 % 18.27 17.1 %
Q4 2010 33.02 10.1 % 27.34 23.5 % 18.70 20.6 %
Q1 2011 35.91 29.2 % 28.76 49.8 % 19.94 22.1 %
Q2 2011 36.74 26.0 % 29.08 28.3 % 22.03 26.5 %
Q3 2011 37.55 25.8 % 30.60 35.3 % 21.78 19.3 %
Q4 2011 38.90 17.8 % 31.16 13.9 % 23.31 24.6 %
Q1 2012 43.10 20.0 % 34.60 20.3 % 25.07 25.7 %
Q2 2012 47.12 28.2 % 37.25 28.1 % 27.23 23.6 %
Q3 2012 47.84 27.4 % 39.41 28.8 % 28.31 30.0 %
Q4 2012 50.78 30.5 % 40.68 30.5 % 29.90 28.3 %
Q1 2013 54.14 25.6 % 41.42 19.7 % 32.41 29.3 %
Q2 2013 56.25 19.4 % 45.20 21.3 % 33.31 22.3 %
Q3 2013 55.53 16.1 % 45.55 15.6 % 35.39 25.0 %
Q4 2013 59.98 18.1 % 48.08 18.2 % 34.99 17.1 %
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 % 55.50 14.5 % 41.17 12.2 %
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 (8.7 %) 43.32 5.2 %
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 %
Q2 2023 124.44 8.5 % 92.08 6.3 % 74.94 14.3 %
Q3 2023 129.25 17.2 % 90.65 10.2 % 79.41 17.4 %
Q4 2023 129.55 11.8 % 94.05 9.3 % 80.78 14.4 %
Q1 2024 135.82 13.7 % 97.27 12.0 % 84.12 16.8 %
Q2 2024 138.00 10.9 % 98.55 7.0 % 87.21 16.4 %
Q3 2024 145.40 12.5 % 103.35 14.0 % 92.71 16.7 %

Profitability

Period Return On Average Assets Return on Average Equity Net Income/Operating profit
Q1 2002 - - -
Q2 2002 - - -
Q3 2002 - - -
Q4 2002 - - -
Q1 2003 - - -
Q2 2003 - - -
Q3 2003 - - -
Q4 2003 - - 27.36 %
Q1 2004 1.35 % 12.63 % 25.49 %
Q2 2004 1.53 % 13.68 % 23.45 %
Q3 2004 1.51 % 15.33 % 26.00 %
Q4 2004 1.91 % 15.82 % 31.28 %
Q1 2005 2.20 % 18.25 % 35.97 %
Q2 2005 3.48 % 25.81 % 48.41 %
Q3 2005 4.73 % 34.26 % 56.27 %
Q4 2005 7.03 % 42.06 % 66.31 %
Q1 2006 12.08 % 60.57 % 75.44 %
Q2 2006 14.27 % 69.24 % 77.12 %
Q3 2006 15.14 % 68.59 % 79.34 %
Q4 2006 13.21 % 57.52 % 75.47 %
Q1 2007 10.44 % 41.25 % 71.96 %
Q2 2007 7.43 % 28.29 % 67.75 %
Q3 2007 5.34 % 19.88 % 57.47 %
Q4 2007 4.32 % 18.11 % 55.65 %
Q1 2008 3.28 % 14.23 % 47.77 %
Q2 2008 2.74 % 12.03 % 40.91 %
Q3 2008 2.39 % 10.29 % 37.17 %
Q4 2008 0.91 % 4.76 % 19.56 %
Q1 2009 0.69 % 3.59 % 15.98 %
Q2 2009 0.72 % 4.06 % 17.67 %
Q3 2009 0.77 % 4.22 % 16.93 %
Q4 2009 0.10 % 0.60 % 2.35 %
Q1 2010 (0.23 %) (1.35 %) (5.18 %)
Q2 2010 (0.56 %) (3.52 %) (14.15 %)
Q3 2010 (0.71 %) (4.50 %) (19.42 %)
Q4 2010 0.09 % 0.64 % 2.50 %
Q1 2011 0.25 % 1.74 % 6.98 %
Q2 2011 0.37 % 2.67 % 10.66 %
Q3 2011 0.49 % 3.62 % 14.50 %
Q4 2011 0.84 % 6.55 % 25.07 %
Q1 2012 0.97 % 8.09 % 28.26 %
Q2 2012 1.07 % 9.56 % 30.77 %
Q3 2012 1.20 % 10.77 % 32.97 %
Q4 2012 1.12 % 10.27 % 31.33 %
Q1 2013 1.03 % 9.93 % 31.07 %
Q2 2013 1.04 % 10.60 % 32.63 %
Q3 2013 1.16 % 11.42 % 34.49 %
Q4 2013 1.17 % 12.12 % 35.37 %
Q1 2014 1.16 % 12.08 % 34.91 %
Q2 2014 1.09 % 11.71 % 32.99 %
Q3 2014 0.86 % 9.04 % 24.62 %
Q4 2014 0.90 % 9.63 % 26.06 %
Q1 2015 0.98 % 10.52 % 27.70 %
Q2 2015 1.81 % 18.43 % 51.13 %
Q3 2015 1.98 % 20.04 % 57.38 %
Q4 2015 1.98 % 18.97 % 54.80 %
Q1 2016 2.14 % 20.71 % 62.97 %
Q2 2016 1.30 % 11.89 % 39.12 %
Q3 2016 1.31 % 11.70 % 38.17 %
Q4 2016 1.35 % 11.24 % 38.51 %
Q1 2017 1.08 % 8.87 % 30.50 %
Q2 2017 1.11 % 9.34 % 31.46 %
Q3 2017 1.22 % 9.95 % 32.97 %
Q4 2017 1.27 % 10.13 % 33.24 %
Q1 2018 1.32 % 10.46 % 33.66 %
Q2 2018 1.32 % 9.15 % 34.23 %
Q3 2018 1.32 % 9.10 % 35.02 %
Q4 2018 0.54 % 3.77 % 14.20 %
Q1 2019 0.53 % 3.77 % 13.88 %
Q2 2019 0.52 % 3.39 % 13.94 %
Q3 2019 0.52 % 3.43 % 13.87 %
Q4 2019 1.24 % 8.68 % 33.29 %
Q1 2020 1.15 % 8.09 % 30.74 %
Q2 2020 1.01 % 7.42 % 27.25 %
Q3 2020 0.90 % 6.72 % 24.36 %
Q4 2020 0.04 % 0.29 % 1.03 %
Q1 2021 0.19 % 1.49 % 5.02 %
Q2 2021 0.28 % 2.20 % 7.40 %
Q3 2021 0.30 % 2.39 % 7.90 %
Q4 2021 1.03 % 8.60 % 28.36 %
Q1 2022 1.07 % 8.96 % 29.95 %
Q2 2022 1.01 % 8.92 % 30.33 %
Q3 2022 1.05 % 9.30 % 31.10 %
Q4 2022 1.01 % 9.34 % 32.22 %
Q1 2023 0.84 % 7.81 % 28.50 %
Q2 2023 0.79 % 7.72 % 28.58 %
Q3 2023 0.82 % 8.14 % 30.30 %
Q4 2023 0.83 % 8.40 % 30.77 %
2023 0.83 % 8.40 % 30.77 %
Q1 2024 0.87 % 9.06 % 32.65 %
Q2 2024 0.89 % 9.31 % 33.38 %
Q3 2024 0.90 % 9.40 % 33.26 %

Ratios

Period Customer Deposits Per Total Assets Loans and advances/Total assets Loans and advances/Customers Deposits
Q1 2002 - - -
Q2 2002 - - -
Q3 2002 - - -
Q4 2002 - - -
Q1 2003 78.48 % 50.77 % 64.69 %
Q2 2003 78.50 % 60.23 % 76.73 %
Q3 2003 80.66 % 58.15 % 72.09 %
Q4 2003 83.83 % 51.86 % 61.86 %
Q1 2004 84.23 % 47.97 % 56.95 %
Q2 2004 80.28 % 49.68 % 61.88 %
Q3 2004 82.17 % 47.80 % 58.17 %
Q4 2004 75.94 % 48.38 % 63.71 %
Q1 2005 80.27 % 50.31 % 62.67 %
Q2 2005 77.96 % 51.58 % 66.17 %
Q3 2005 77.89 % 50.07 % 64.29 %
Q4 2005 76.34 % 48.78 % 63.89 %
Q1 2006 68.36 % 47.40 % 69.34 %
Q2 2006 71.33 % 38.99 % 54.67 %
Q3 2006 70.51 % 36.25 % 51.41 %
Q4 2006 69.48 % 39.91 % 57.44 %
Q1 2007 70.32 % 39.98 % 56.86 %
Q2 2007 67.39 % 45.78 % 67.93 %
Q3 2007 68.60 % 50.51 % 73.64 %
Q4 2007 72.56 % 45.81 % 63.14 %
Q1 2008 69.55 % 52.01 % 74.78 %
Q2 2008 71.20 % 57.66 % 80.99 %
Q3 2008 72.04 % 60.20 % 83.56 %
Q4 2008 75.95 % 54.99 % 72.41 %
Q1 2009 78.97 % 56.57 % 71.63 %
Q2 2009 76.53 % 54.68 % 71.44 %
Q3 2009 76.10 % 53.49 % 70.29 %
Q4 2009 73.87 % 51.72 % 70.02 %
Q1 2010 69.10 % 58.79 % 85.09 %
Q2 2010 77.71 % 59.70 % 76.83 %
Q3 2010 75.74 % 61.19 % 80.79 %
Q4 2010 82.82 % 56.65 % 68.40 %
Q1 2011 80.08 % 55.53 % 69.34 %
Q2 2011 79.15 % 59.97 % 75.77 %
Q3 2011 81.48 % 58.00 % 71.19 %
Q4 2011 80.10 % 59.92 % 74.80 %
Q1 2012 80.28 % 58.17 % 72.45 %
Q2 2012 79.07 % 57.80 % 73.10 %
Q3 2012 82.39 % 59.18 % 71.84 %
Q4 2012 80.10 % 58.87 % 73.50 %
Q1 2013 76.51 % 59.87 % 78.24 %
Q2 2013 80.35 % 59.22 % 73.70 %
Q3 2013 82.03 % 63.74 % 77.70 %
Q4 2013 80.17 % 58.35 % 72.78 %
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 80.00 % 59.35 % 74.19 %
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 %
Q2 2023 73.99 % 60.22 % 81.39 %
Q3 2023 70.13 % 61.44 % 87.61 %
Q4 2023 72.60 % 62.35 % 85.89 %
Q1 2024 71.61 % 61.93 % 86.48 %
Q2 2024 71.41 % 63.19 % 88.49 %
Q3 2024 71.08 % 63.76 % 89.71 %


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 2002 - - - - -
Q2 2002 - - - - -
Q3 2002 - - - - -
Q4 2002 - - - - -
Q1 2003 876.72 - - - 0.84
Q2 2003 876.72 - - - 0.93
Q3 2003 876.72 - - - 0.97
Q4 2003 876.72 0.11 0.11 - 1.01
Q1 2004 876.72 0.12 0.12 - 1.06
Q2 2004 876.72 0.14 0.14 - 1.06
Q3 2004 876.72 0.16 0.16 - 1.13
Q4 2004 886.79 0.21 0.21 - 1.68
Q1 2005 886.79 0.26 0.26 - 1.80
Q2 2005 886.79 0.42 0.42 - 2.23
Q3 2005 886.79 0.62 0.62 - 2.53
Q4 2005 886.79 0.99 0.99 - 3.01
Q1 2006 886.79 1.67 1.67 - 3.72
Q2 2006 886.79 2.22 2.33 - 4.18
Q3 2006 886.79 2.44 2.55 - 4.58
Q4 2006 886.79 2.23 2.34 - 4.73
Q1 2007 886.79 1.80 1.91 - 4.98
Q2 2007 886.79 1.28 1.28 - 4.88
Q3 2007 886.79 0.95 0.95 - 5.02
Q4 2007 886.79 0.91 0.91 - 5.30
Q1 2008 886.79 0.74 0.74 - 5.41
Q2 2008 886.79 0.62 0.62 - 5.41
Q3 2008 886.79 0.54 0.54 - 5.38
Q4 2008 886.79 0.25 0.25 - 5.23
Q1 2009 886.79 0.19 0.19 - 5.33
Q2 2009 886.79 0.22 0.22 - 5.30
Q3 2009 886.79 0.23 0.23 - 5.37
Q4 2009 886.79 0.03 0.03 - 5.06
Q1 2010 886.79 (0.07) (0.07) - 5.07
Q2 2010 886.79 (0.18) (0.18) - 5.10
Q3 2010 886.79 (0.24) (0.24) - 5.12
Q4 2010 886.79 0.03 0.03 - 5.09
Q1 2011 886.79 0.09 0.09 - 5.13
Q2 2011 886.79 0.14 0.14 - 5.16
Q3 2011 886.79 0.19 0.19 - 5.19
Q4 2011 886.79 0.34 0.34 - 5.34
Q1 2012 886.79 0.43 0.43 - 5.57
Q2 2012 886.79 0.51 0.51 - 5.42
Q3 2012 886.79 0.58 0.58 - 5.56
Q4 2012 886.79 0.56 0.56 - 5.65
Q1 2013 886.79 0.57 0.57 - 5.82
Q2 2013 886.79 0.61 0.61 - 6.06
Q3 2013 886.79 0.67 0.67 - 6.26
Q4 2013 886.79 0.73 0.73 - 6.46
Q1 2014 886.79 0.75 0.74 - 6.61
Q2 2014 886.79 0.75 0.73 - 6.74
Q3 2014 886.79 0.59 0.57 - 6.80
Q4 2014 886.79 0.65 0.61 - 6.94
Q1 2015 886.79 0.72 0.70 - 7.12
Q2 2015 886.79 1.36 0.71 - 8.06
Q3 2015 886.79 1.50 0.84 - 8.14
Q4 2015 886.79 1.45 0.81 - 8.36
Q1 2016 886.79 1.63 0.74 - 8.58
Q2 2016 886.79 1.00 0.76 - 8.69
Q3 2016 886.79 0.99 0.76 - 8.80
Q4 2016 886.79 0.98 0.75 - 9.14
Q1 2017 886.79 0.80 0.80 - 9.39
Q2 2017 886.79 0.84 0.84 - 9.39
Q3 2017 886.79 0.92 0.92 - 9.71
Q4 2017 886.79 0.97 0.97 - 9.96
Q1 2018 886.79 0.99 0.99 - 9.55
Q2 2018 1,281.25 0.70 0.70 - 8.89
Q3 2018 1,281.25 0.72 0.72 - 9.09
Q4 2018 1,281.25 0.30 0.73 - 8.78
Q1 2019 1,281.25 0.29 0.72 - 8.97
Q2 2019 1,281.25 0.30 0.73 - 8.83
Q3 2019 1,281.25 0.31 0.74 - 8.83
Q4 2019 1,281.25 0.77 0.77 - 9.05
Q1 2020 1,281.25 0.73 0.73 - 9.11
Q2 2020 1,281.25 0.66 0.66 - 9.08
Q3 2020 1,281.25 0.61 0.61 - 9.21
Q4 2020 1,281.25 0.03 0.03 0.03 8.87
Q1 2021 1,281.25 0.14 0.14 0.14 9.15
Q2 2021 1,281.25 0.20 0.17 0.20 9.31
Q3 2021 1,281.25 0.22 0.22 0.22 9.21
Q4 2021 1,281.25 0.79 0.79 0.79 9.38
Q1 2022 1,281.25 0.83 0.79 0.81 9.30
Q2 2022 1,281.25 0.83 0.83 0.80 9.35
Q3 2022 1,281.25 0.85 0.82 0.82 9.16
Q4 2022 1,281.25 0.87 0.82 0.81 9.16
Q1 2023 1,281.25 0.73 0.73 0.69 9.44
Q2 2023 1,281.25 0.73 0.73 0.67 9.67
Q3 2023 1,281.25 0.77 0.75 0.71 9.72
Q4 2023 1,281.25 0.80 0.78 0.69 9.79
Q1 2024 1,281.25 0.87 0.86 0.76 9.80
Q2 2024 1,281.25 0.92 0.87 0.76 9.99
Q3 2024 1,281.25 0.96 0.92 0.81 10.71

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Recurring P/E Price/book
Q1 2002 - - -
Q2 2002 - - -
Q3 2002 - - -
Q4 2002 - - -
Q1 2003 - - 3.32
Q2 2003 - - 4.46
Q3 2003 - - 5.00
Q4 2003 49.96 49.96 5.28
Q1 2004 47.44 47.44 5.36
Q2 2004 46.32 46.32 5.95
Q3 2004 55.29 55.29 7.88
Q4 2004 45.18 45.18 5.70
Q1 2005 43.71 43.71 6.32
Q2 2005 49.18 49.18 9.32
Q3 2005 40.78 40.78 10.06
Q4 2005 39.26 39.26 12.86
Q1 2006 20.63 20.63 9.26
Q2 2006 23.46 22.33 12.46
Q3 2006 22.64 21.64 12.04
Q4 2006 10.78 10.26 5.07
Q1 2007 12.54 11.80 4.52
Q2 2007 14.16 14.16 3.72
Q3 2007 20.90 20.90 3.97
Q4 2007 26.43 26.43 4.53
Q1 2008 26.85 26.85 3.67
Q2 2008 29.20 29.20 3.34
Q3 2008 22.14 22.14 2.20
Q4 2008 29.30 29.30 1.41
Q1 2009 42.36 42.36 1.53
Q2 2009 44.77 44.77 1.84
Q3 2009 43.12 43.12 1.82
Q4 2009 More than 100 More than 100 1.85
Q1 2010 NEG NEG 1.84
Q2 2010 NEG NEG 1.60
Q3 2010 NEG NEG 1.65
Q4 2010 More than 100 More than 100 1.58
Q1 2011 More than 100 More than 100 1.77
Q2 2011 65.37 65.37 1.74
Q3 2011 44.01 44.01 1.58
Q4 2011 24.22 24.22 1.55
Q1 2012 33.30 33.30 2.59
Q2 2012 20.86 20.86 1.95
Q3 2012 22.04 22.04 2.30
Q4 2012 22.60 22.60 2.26
Q1 2013 23.13 23.13 2.25
Q2 2013 20.95 20.95 2.10
Q3 2013 22.15 22.15 2.39
Q4 2013 25.03 25.03 2.84
Q1 2014 27.19 27.50 3.09
Q2 2014 26.55 27.33 2.95
Q3 2014 39.55 41.02 3.43
Q4 2014 28.03 29.57 2.61
Q1 2015 25.28 26.20 2.56
Q2 2015 13.57 26.23 2.30
Q3 2015 8.82 15.74 1.62
Q4 2015 7.28 13.11 1.26
Q1 2016 5.33 11.63 1.01
Q2 2016 8.40 10.99 0.96
Q3 2016 6.56 8.60 0.74
Q4 2016 9.40 12.35 1.01
Q1 2017 13.50 13.50 1.15
Q2 2017 11.76 11.76 1.06
Q3 2017 12.70 12.70 1.20
Q4 2017 11.09 11.09 1.08
Q1 2018 10.45 10.45 1.08
Q2 2018 13.41 13.41 1.06
Q3 2018 12.84 12.84 1.02
Q4 2018 30.94 12.59 1.04
Q1 2019 36.50 14.81 1.20
Q2 2019 32.58 13.38 1.11
Q3 2019 28.13 11.72 0.98
Q4 2019 12.44 12.44 1.06
Q1 2020 9.91 9.91 0.80
Q2 2020 10.87 10.87 0.80
Q3 2020 14.80 14.80 0.97
Q4 2020 More than 100 More than 100 0.99
Q1 2021 74.19 74.19 1.09
Q2 2021 58.58 69.08 1.27
Q3 2021 53.55 52.95 1.28
Q4 2021 15.71 15.59 1.32
Q1 2022 20.76 21.65 1.81
Q2 2022 17.78 17.86 1.53
Q3 2022 17.56 18.35 1.58
Q4 2022 15.16 15.92 1.33
Q1 2023 16.93 16.95 1.23
Q2 2023 17.35 17.37 1.21
Q3 2023 15.20 15.47 1.11
Q4 2023 17.38 17.72 1.22
Q1 2024 16.55 16.85 1.29
Q2 2024 17.27 18.23 1.32
Q3 2024 17.02 17.69 1.28

Business Segments (Million Riyal)

Compared With The
Period Retail Corporate and Institutional Banking Global markets and Treasury Brokerage and Asset Management Takaful Ta'awni Other
Q1 2003 22.96 28.17 5.83 - - -
Q2 2003 51.37 24.56 11.92 - - -
Q3 2003 58.94 20.45 29.88 - - -
Q4 2003 52.89 19.69 15.26 - - -
Q1 2004 88.33 23.97 16.24 - - -
Q2 2004 137.65 23.50 20.33 - - -
Q3 2004 111.35 22.84 8.99 - - -
Q4 2004 106.54 18.15 22.30 - - -
Q1 2005 113.94 26.10 29.41 - - -
Q2 2005 220.75 27.02 66.64 - - -
Q3 2005 291.41 26.84 33.21 - - -
Q4 2005 422.55 24.04 36.70 - - -
Q1 2006 734.09 33.86 48.93 - - -
Q2 2006 812.53 51.45 35.96 - - -
Q3 2006 432.27 39.80 53.37 - - -
Q4 2006 272.65 37.53 62.96 - - -
Q1 2007 311.42 49.66 54.09 - - -
Q2 2007 240.47 56.60 66.26 - - -
Q3 2007 192.07 65.28 64.51 - - -
Q4 2007 214.85 77.73 53.86 - - -
Q1 2008 260.15 29.36 52.24 - - -
Q2 2008 (84.19) 191.26 10.49 213.75 - -
Q3 2008 72.82 123.78 (1.31) 62.00 - -
Q4 2008 62.72 98.58 (13.93) 58.82 - -
Q1 2009 82.82 96.62 29.86 67.30 - -
Q2 2009 46.52 190.18 30.52 82.21 - -
Q3 2009 64.52 111.74 115.51 66.40 - -
Q4 2009 58.85 108.78 1.67 17.56 - -
Q1 2010 91.08 136.47 23.15 40.82 13.59 -
Q2 2010 97.94 136.50 3.26 53.83 3.68 -
Q3 2010 68.47 108.59 77.65 30.95 6.95 -
Q4 2010 94.59 127.93 (60.07) 35.72 10.21 53.78
Q1 2011 73.31 101.13 48.61 46.09 9.52 (2.39)
Q2 2011 78.47 109.47 54.87 60.99 9.28 (4.79)
Q3 2011 80.09 112.58 61.12 38.17 9.01 (7.26)
Q4 2011 97.59 108.55 62.34 57.98 8.63 (5.26)
Q1 2012 92.91 117.73 96.74 116.75 7.60 (5.99)
Q2 2012 88.87 106.38 111.70 104.00 5.62 (8.05)
Q3 2012 98.70 115.90 106.92 70.55 6.84 (7.00)
Q4 2012 103.03 94.05 111.35 63.16 5.50 (5.68)
Q1 2013 150.91 99.50 126.92 72.36 5.01 (12.08)
Q2 2013 135.01 123.26 127.51 66.09 5.13 (8.52)
Q3 2013 146.59 137.61 110.29 76.17 4.66 (3.44)
Q4 2013 115.42 131.47 177.98 60.08 6.60 (15.20)
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)
Q2 2023 524.28 224.31 69.41 79.04 - (89.30)
Q3 2023 478.30 252.42 78.47 115.33 - (71.36)
Q4 2023 479.85 255.86 116.58 122.30 - (84.69)
Q1 2024 497.15 248.56 108.67 116.80 - (82.88)
Q2 2024 514.39 257.77 83.20 113.28 - (65.58)
Q3 2024 515.03 371.95 109.69 132.25 - (108.20)

Analysts Estimates (Million Riyal)

Item Profit (Expected) Profit (Actual) Change
Average 306.36 332.72

Estimates vs Actual (Million Riyal)

Item Profit (Expected) Profit (Actual) Change‬
YAQEEN 334.00 332.72
SNB Capital 315.00 332.72
EFG-Hermes 307.00 332.72
Arqaam Capital 301.00 332.72
Value Capital 292.27 332.72
OSOOL AND BAKHEET 288.89 332.72

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