SAB's 2024 profit rises 15% to SAR 8.1B; Q4 at SAR 2.1B

02/02/2025 Argaam Exclusive

Saudi Awwal Bank (SAB) reported a net profit of SAR 8.1 billion for 2024, an increase of 15.2% from SAR 7 billion in the year before.



Financials (M)

Item 2023 2024 Change‬
Net Special Commission Income 10,341.47 11,023.50 6.6 %
Operating Income 12,710.46 14,017.67 10.3 %
Total Provisions (562.44) (566.06) (0.6 %)
Net Income 7,002.37 8,070.46 15.3 %
Average Shares 2,054.79 2,054.79 -
Earnings Per Share before unusual items 3.41 3.93 15.3 %
EPS (Riyals) 3.41 3.93 15.3 %
EPS Diluted (Riyals) 3.41 3.78 10.9 %

The profit growth was driven by a leap of 20% year-on-year (YoY) in gross special commission income due to an increase in corporate and individual loans, while net commission income increased by only 7% YoY due to higher commission expenses linked to rising interest rates and term deposit commissions.

 

Operating income also saw growth, supported by higher net commission income, fee and commission income, foreign exchange income, and income from financial instruments at fair value through profit or loss.

 

These gains were partly offset by higher operating expenses and tax fees.

 

Operating expenses increased mainly due to higher employee-related costs, while provisions for expected credit losses rose by 1% YoY, as lower recoveries countered impairment losses.

 

On a quarterly basis, net profit grew by 14.4%, from SAR 1.85 billion in Q3 2024. Profits also rose by 12.9% from SAR 1.88 billion in Q3 2024.



Current Quarter Comparison (M)

Compared With The
Item Q4 2023 Q4 2024 Change‬
Net Special Commission Income 2,701.54 2,820.38 4.4 %
Operating Income 3,178.87 3,550.87 11.7 %
Debt Provisions (50.58) (64.29) (27.1 %)
Net Income 1,857.63 2,126.02 14.4 %
Average Shares 2,054.79 2,054.79 -
Earnings Per Share before unusual items 0.90 1.03 14.4 %
EPS (Riyals) 0.90 1.03 14.4 %
EPS Diluted (Riyal) 0.90 1.00 11.1 %

Balance Sheet (B)

Item 2023 2024 Change‬
Assets 356.64 399.44 12.0 %
Customer Deposits 253.46 267.01 5.3 %
Loan 215.94 259.35 20.1 %

Shareholders’ equity, no minority interest and after deducting sukuk, rose to SAR 64.3 billion as of Dec. 31, 2024, from SAR 57.9 billion a year earlier.

 

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Share Price

Saudi Awwal Bank
36.50
0.80 2.24 %

Saudi Awwal Bank (SAB)

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Financial Ratios
Current
Market Cap (M Riyal) 75,000.20
Shares Outstanding ((M)) 2,054.80
EPS ( Riyal) (TTM) 3.93
EPS Diluted ( Riyal) (TTM) 3.78
Book Value (BV) ( Riyal) 29.36
Par Value ( Riyal) 10.00
Adjusted P/E (Last12) 9.29
P/E (TTM) 9.29
Price/book 1.24
Return on Average Assets (%) (TTM) 2.1
Return on Average Equity (%) (TTM) 13.7
more


Financial results (Million)

Period Net Special Commission Income Change Operating Income Change Debt Provisions Change
Q1 2015 1,031.46 7.4 % 1,717.18 5.9 % (115.59) 1.7 %
Q2 2015 1,067.05 5.8 % 1,674.98 0.7 % (113.05) (38.9 %)
Q3 2015 1,079.01 4.8 % 1,689.26 2.1 % (88.00) 44.2 %
Q4 2015 1,076.35 1.2 % 1,549.21 (0.9 %) (113.08) (21.5 %)
Q1 2016 1,116.67 8.3 % 1,795.56 4.6 % (144.97) (25.4 %)
Q2 2016 1,181.84 10.8 % 1,761.11 5.1 % (103.29) 8.6 %
Q3 2016 1,222.36 13.3 % 1,687.30 (0.1 %) (189.53) (115.4 %)
Q4 2016 1,236.05 14.8 % 1,664.64 7.5 % (506.78) (348.2 %)
Q1 2017 1,250.65 12.0 % 1,824.07 1.6 % (226.29) (56.1 %)
Q2 2017 1,284.32 8.7 % 1,800.61 2.2 % (164.90) (59.7 %)
Q3 2017 1,258.28 2.9 % 1,763.89 4.5 % (168.78) 10.9 %
Q4 2017 1,304.64 5.5 % 1,738.34 4.4 % (441.85) 12.8 %
Q1 2018 1,322.55 5.7 % 1,761.65 (3.4 %) (207.25) 8.4 %
Q2 2018 1,390.51 8.3 % 1,868.53 3.8 % 90.82 155.1 %
Q3 2018 1,413.74 12.4 % 1,861.35 5.5 % (87.02) 48.4 %
Q4 2018 1,450.53 11.2 % 1,831.32 5.3 % (55.58) 87.4 %
Q1 2019 1,486.94 12.4 % 1,970.01 11.8 % (90.78) 56.2 %
Q2 2019 1,609.90 15.8 % 2,010.61 7.6 % (1,591.65) (1852.6 %)
Q3 2019 2,084.30 47.4 % 2,669.65 43.4 % (182.05) (109.2 %)
Q4 2019 1,998.49 37.8 % 2,563.05 40.0 % (636.70) (1,045.6 %)
Q1 2020 1,902.58 28.0 % 2,368.89 20.2 % (239.07) (163.4 %)
Q2 2020 1,815.14 12.7 % 2,318.10 15.3 % (1,308.78) 17.8 %
Q3 2020 1,657.57 (20.5 %) 2,141.36 (19.8 %) (51.10) 71.9 %
Q4 2020 1,497.43 (25.1 %) 2,049.61 (20.0 %) (31.98) 95.0 %
Q1 2021 1,426.82 (25.0 %) 2,021.53 (14.7 %) (1.67) 99.3 %
Q2 2021 1,467.28 (19.2 %) 1,946.78 (16.0 %) (25.58) 98.0 %
Q3 2021 1,406.69 (15.1 %) 1,935.43 (9.6 %) (13.00) 74.6 %
Q4 2021 1,416.44 (5.4 %) 1,805.51 (11.9 %) (413.50) (1,192.8 %)
Q1 2022 1,413.65 (0.9 %) 2,012.53 (0.4 %) (59.78) (3,484.1 %)
Q2 2022 1,718.26 17.1 % 2,241.94 15.2 % (135.90) (431.3 %)
Q3 2022 1,984.84 41.1 % 2,506.57 29.5 % (37.51) (188.7 %)
Q4 2022 2,291.54 61.8 % 2,780.59 54.0 % (212.07) 48.7 %
Q1 2023 2,534.04 79.3 % 3,217.57 59.9 % (228.96) (283.0 %)
Q2 2023 2,527.34 47.1 % 3,066.74 36.8 % (138.52) (1.9 %)
Q3 2023 2,578.56 29.9 % 3,247.28 29.6 % (144.38) (284.9 %)
Q4 2023 2,701.54 17.9 % 3,178.87 14.3 % (50.58) 76.2 %
Q1 2024 2,708.75 6.9 % 3,447.42 7.1 % (80.66) 64.8 %
Q2 2024 2,733.13 8.1 % 3,491.61 13.9 % (112.22) 19.0 %
Q3 2024 2,761.23 7.1 % 3,527.77 8.6 % (308.90) (114.0 %)
Q4 2024 2,820.38 4.4 % 3,550.87 11.7 % (64.29) (27.1 %)
2024 11,023.50 6.6 % 14,017.67 10.3 % (566.06) (0.6 %)


Profit Performance (Million)

Period Net Income Change EPS(Riyal) Extraordinary Income/Expense Net Profit Before Unusual Items Earnings Per Share before unusual items
Q1 2015 1,115.19 3.2 % 0.74 - 1,115.19 0.74
Q2 2015 1,137.26 (1.7 %) 0.76 - 1,137.26 0.76
Q3 2015 1,139.56 7.6 % 0.76 - 1,139.56 0.76
Q4 2015 938.54 (3.2 %) 0.63 - 938.54 0.63
Q1 2016 1,141.68 2.4 % 0.76 - 1,141.68 0.76
Q2 2016 1,151.65 1.3 % 0.77 - 1,151.65 0.77
Q3 2016 994.82 (12.7 %) 0.66 - 994.82 0.66
Q4 2016 606.58 (35.4 %) 0.40 - 606.58 0.40
Q1 2017 1,035.98 (9.3 %) 0.69 - 1,035.98 0.69
Q2 2017 1,129.16 (2.0 %) 0.75 - 1,129.16 0.75
Q3 2017 1,083.32 8.9 % 0.72 - 1,083.32 0.72
Q4 2017 706.11 16.4 % 0.47 - 706.11 0.47
Q1 2018 975.40 (5.8 %) 0.65 - 975.40 0.65
Q2 2018 832.59 (26.3 %) 0.56 - 832.59 0.56
Q3 2018 1,061.37 (2.0 %) 0.71 - 1,061.37 0.71
Q4 2018 (153.92) (121.8 %) (0.10) (1053.40) 899.48 0.60
Q1 2019 1,108.55 13.7 % 0.58 (58.00) 1,166.55 0.61
Q2 2019 (188.13) (122.6 %) (0.10) (75.00) (113.13) (0.06)
Q3 2019 1,177.99 11.0 % 0.61 (137.00) 1,314.99 0.69
Q4 2019 660.10 528.9 % 0.34 (147.00) 807.10 0.42
Q1 2020 975.59 (12.0 %) 0.47 (95.00) 1,070.59 0.52
Q2 2020 (6862.85) (3,547.9 %) (3.34) (7509.78) 646.93 0.31
Q3 2020 1,049.99 (10.9 %) 0.51 (114.00) 1,163.99 0.57
Q4 2020 681.88 3.3 % 0.33 (199.00) 880.88 0.43
Q1 2021 973.71 (0.2 %) 0.47 - 973.71 0.47
Q2 2021 918.50 113.4 % 0.45 - 918.50 0.45
Q3 2021 885.30 (15.7 %) 0.43 - 885.30 0.43
Q4 2021 426.92 (37.4 %) 0.21 - 426.92 0.21
Q1 2022 1,006.22 3.3 % 0.49 - 1,006.22 0.49
Q2 2022 1,082.67 17.9 % 0.53 - 1,082.67 0.53
Q3 2022 1,504.54 69.9 % 0.73 108.60 1,395.94 0.68
Q4 2022 1,234.18 189.1 % 0.60 (6.56) 1,240.74 0.60
Q1 2023 1,764.57 75.4 % 0.86 - 1,764.57 0.86
Q2 2023 1,549.85 43.2 % 0.75 - 1,549.85 0.75
Q3 2023 1,830.33 21.7 % 0.89 - 1,830.33 0.89
Q4 2023 1,857.63 50.5 % 0.90 - 1,857.63 0.90
Q1 2024 2,043.02 15.8 % 0.99 - 2,043.02 0.99
Q2 2024 2,018.26 30.2 % 0.98 - 2,018.26 0.98
Q3 2024 1,883.17 2.9 % 0.92 - 1,883.17 0.92
Q4 2024 2,126.02 14.4 % 1.03 - 2,126.02 1.03
2024 8,070.46 15.3 % 3.93 - 8,070.46 3.93

Balance Sheet (B)

Period Assets Change Customer Deposits Change Loan Change
Q1 2015 190.16 8.4 % 149.00 8.8 % 120.43 9.6 %
Q2 2015 192.33 9.6 % 151.10 9.3 % 126.96 12.6 %
Q3 2015 197.20 7.8 % 155.85 8.5 % 129.57 11.1 %
Q4 2015 187.75 0.1 % 148.89 2.1 % 125.95 9.3 %
Q1 2016 191.79 0.9 % 151.88 1.9 % 130.56 8.4 %
Q2 2016 191.87 (0.2 %) 150.27 (0.6 %) 131.10 3.3 %
Q3 2016 185.90 (5.7 %) 144.08 (7.5 %) 125.87 (2.9 %)
Q4 2016 186.06 (0.9 %) 140.64 (5.5 %) 120.96 (4.0 %)
Q1 2017 185.26 (3.4 %) 141.57 (6.8 %) 119.49 (8.5 %)
Q2 2017 182.52 (4.9 %) 138.31 (8.0 %) 117.88 (10.1 %)
Q3 2017 179.48 (3.5 %) 134.57 (6.6 %) 116.69 (7.3 %)
Q4 2017 187.62 0.8 % 140.24 (0.3 %) 117.01 (3.3 %)
Q1 2018 182.62 (1.4 %) 135.39 (4.4 %) 116.49 (2.5 %)
Q2 2018 183.13 0.3 % 132.93 (3.9 %) 113.36 (3.8 %)
Q3 2018 175.05 (2.5 %) 129.33 (3.9 %) 112.13 (3.9 %)
Q4 2018 174.68 (6.9 %) 130.51 (6.9 %) 110.33 (5.7 %)
Q1 2019 173.78 (4.8 %) 127.24 (6.0 %) 110.36 (5.3 %)
Q2 2019 270.82 47.9 % 196.16 47.6 % 154.96 36.7 %
Q3 2019 258.49 47.7 % 183.41 41.8 % 149.34 33.2 %
Q4 2019 265.99 52.3 % 192.17 47.2 % 152.08 37.8 %
Q1 2020 265.69 52.9 % 188.28 48.0 % 155.18 40.6 %
Q2 2020 266.99 (1.4 %) 188.36 (4.0 %) 152.95 (1.3 %)
Q3 2020 263.96 2.1 % 180.20 (1.8 %) 151.89 1.7 %
Q4 2020 276.45 3.9 % 189.11 (1.6 %) 153.24 0.8 %
Q1 2021 271.56 2.2 % 183.69 (2.4 %) 156.71 1.0 %
Q2 2021 272.94 2.2 % 186.83 (0.8 %) 161.44 5.6 %
Q3 2021 269.55 2.1 % 180.25 0.0 % 163.50 7.6 %
Q4 2021 272.40 (1.5 %) 186.76 (1.2 %) 167.56 9.3 %
Q1 2022 282.69 4.1 % 193.89 5.6 % 176.15 12.4 %
Q2 2022 302.54 10.8 % 207.45 11.0 % 176.21 9.1 %
Q3 2022 300.10 11.3 % 202.86 12.5 % 183.16 12.0 %
Q4 2022 314.40 15.4 % 214.28 14.7 % 183.13 9.3 %
Q1 2023 328.88 16.3 % 225.98 16.6 % 191.00 8.4 %
Q2 2023 334.91 10.7 % 222.73 7.4 % 198.67 12.7 %
Q3 2023 340.48 13.5 % 228.05 12.4 % 211.40 15.4 %
Q4 2023 356.64 13.4 % 253.46 18.3 % 215.94 17.9 %
Q1 2024 369.61 12.4 % 251.76 11.4 % 228.54 19.7 %
Q2 2024 382.30 14.1 % 264.43 18.7 % 241.55 21.6 %
Q3 2024 395.35 16.1 % 260.63 14.3 % 252.40 19.4 %
Q4 2024 399.44 12.0 % 267.01 5.3 % 259.35 20.1 %

Profitability

Period Return On Average Assets Return on Average Equity Net Interest Income/Total Operating Income
Q1 2015 2.35 % 17.51 % 62.64 %
Q2 2015 2.33 % 16.66 % 63.42 %
Q3 2015 2.29 % 16.52 % 63.84 %
Q4 2015 2.31 % 15.97 % 64.15 %
Q1 2016 2.28 % 15.92 % 64.68 %
Q2 2016 2.28 % 15.32 % 65.54 %
Q3 2016 2.21 % 14.69 % 67.67 %
Q4 2016 2.08 % 13.10 % 68.85 %
Q1 2017 2.01 % 12.51 % 70.50 %
Q2 2017 2.01 % 12.04 % 71.57 %
Q3 2017 2.11 % 12.26 % 71.31 %
Q4 2017 2.12 % 12.24 % 71.53 %
Q1 2018 2.12 % 12.22 % 73.18 %
Q2 2018 1.97 % 10.95 % 73.97 %
Q3 2018 2.02 % 10.90 % 75.13 %
Q4 2018 1.50 % 8.25 % 76.16 %
Q1 2019 1.60 % 8.66 % 76.24 %
Q2 2019 0.81 % 4.14 % 77.69 %
Q3 2019 0.90 % 4.43 % 78.19 %
Q4 2019 1.25 % 6.24 % 77.93 %
Q1 2020 1.19 % 5.86 % 79.02 %
Q2 2020 (1.51 %) (7.82 %) 78.64 %
Q3 2020 (1.60 %) (7.98 %) 78.52 %
Q4 2020 (1.53 %) (7.79 %) 77.41 %
Q1 2021 (1.55 %) (7.74 %) 74.99 %
Q2 2021 1.34 % 7.18 % 74.14 %
Q3 2021 1.30 % 6.77 % 72.90 %
Q4 2021 1.17 % 6.19 % 74.16 %
Q1 2022 1.17 % 6.13 % 74.08 %
Q2 2022 1.18 % 6.38 % 74.48 %
Q3 2022 1.41 % 7.59 % 76.26 %
Q4 2022 1.65 % 8.98 % 77.64 %
Q1 2023 1.83 % 10.09 % 79.36 %
Q2 2023 1.90 % 10.96 % 80.70 %
Q3 2023 1.99 % 11.71 % 80.66 %
Q4 2023 2.09 % 12.44 % 81.36 %
Q1 2024 2.08 % 12.55 % 81.27 %
Q2 2024 2.16 % 13.42 % 80.22 %
Q3 2024 2.12 % 13.48 % 79.91 %
Q4 2024 2.13 % 13.65 % 78.64 %
2024 2.13 % 13.65 % 78.64 %

Ratios

Period Customer Deposits Per Total Assets Loans and advances/Total assets Loans and advances/Customers Deposits
Q1 2015 78.36 % 63.33 % 80.83 %
Q2 2015 78.57 % 66.01 % 84.02 %
Q3 2015 79.03 % 65.71 % 83.14 %
Q4 2015 79.30 % 67.08 % 84.59 %
Q1 2016 79.19 % 68.07 % 85.97 %
Q2 2016 78.32 % 68.33 % 87.24 %
Q3 2016 77.50 % 67.71 % 87.36 %
Q4 2016 75.59 % 65.02 % 86.01 %
Q1 2017 76.42 % 64.50 % 84.40 %
Q2 2017 75.78 % 64.59 % 85.23 %
Q3 2017 74.97 % 65.01 % 86.71 %
Q4 2017 74.75 % 62.36 % 83.43 %
Q1 2018 74.14 % 63.79 % 86.04 %
Q2 2018 72.59 % 61.90 % 85.28 %
Q3 2018 73.88 % 64.06 % 86.70 %
Q4 2018 74.71 % 63.16 % 84.54 %
Q1 2019 73.22 % 63.50 % 86.73 %
Q2 2019 72.43 % 57.22 % 79.00 %
Q3 2019 70.96 % 57.77 % 81.42 %
Q4 2019 72.25 % 57.17 % 79.14 %
Q1 2020 70.86 % 58.41 % 82.42 %
Q2 2020 70.55 % 57.29 % 81.20 %
Q3 2020 68.27 % 57.54 % 84.29 %
Q4 2020 68.41 % 55.43 % 81.03 %
Q1 2021 67.64 % 57.71 % 85.31 %
Q2 2021 68.45 % 59.15 % 86.41 %
Q3 2021 66.87 % 60.66 % 90.71 %
Q4 2021 68.56 % 61.51 % 89.72 %
Q1 2022 68.59 % 62.31 % 90.85 %
Q2 2022 68.57 % 58.25 % 84.94 %
Q3 2022 67.60 % 61.03 % 90.29 %
Q4 2022 68.15 % 58.25 % 85.46 %
Q1 2023 68.71 % 58.08 % 84.52 %
Q2 2023 66.50 % 59.32 % 89.20 %
Q3 2023 66.98 % 62.09 % 92.70 %
Q4 2023 71.07 % 60.55 % 85.20 %
Q1 2024 68.11 % 61.83 % 90.78 %
Q2 2024 69.17 % 63.18 % 91.35 %
Q3 2024 65.93 % 63.84 % 96.84 %
Q4 2024 66.85 % 64.93 % 97.13 %


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 2015 1,500.00 2.87 2.87 - 17.40
Q2 2015 1,500.00 2.85 2.85 - 18.17
Q3 2015 1,500.00 2.91 2.91 - 18.27
Q4 2015 1,500.00 2.89 2.89 - 18.78
Q1 2016 1,500.00 2.90 2.90 - 19.09
Q2 2016 1,500.00 2.91 2.91 - 19.87
Q3 2016 1,500.00 2.82 2.82 - 20.10
Q4 2016 1,500.00 2.60 2.60 - 20.85
Q1 2017 1,500.00 2.53 2.53 - 21.30
Q2 2017 1,500.00 2.51 2.51 - 21.83
Q3 2017 1,500.00 2.57 2.57 - 21.83
Q4 2017 1,500.00 2.64 2.64 - 22.23
Q1 2018 1,500.00 2.60 2.60 - 21.18
Q2 2018 1,500.00 2.40 2.40 - 21.98
Q3 2018 1,500.00 2.38 2.38 - 21.89
Q4 2018 1,500.00 1.81 2.51 - 21.64
Q1 2019 1,916.10 1.49 2.07 - 22.67
Q2 2019 1,916.10 0.95 1.57 - 26.91
Q3 2019 1,916.10 1.01 1.71 - 26.77
Q4 2019 1,916.10 1.44 1.66 - 27.25
Q1 2020 2,054.80 1.28 1.50 - 27.04
Q2 2020 2,054.80 (1.97) 1.87 - 23.46
Q3 2020 2,054.80 (2.03) 1.80 - 24.18
Q4 2020 2,054.80 (2.02) 1.83 (2.03) 24.65
Q1 2021 2,054.80 (2.02) 1.78 (2.03) 25.27
Q2 2021 2,054.80 1.76 1.92 1.76 25.69
Q3 2021 2,054.80 1.68 1.78 1.68 25.55
Q4 2021 2,054.80 1.56 1.56 1.56 25.76
Q1 2022 2,054.80 1.58 1.58 1.58 26.12
Q2 2022 2,054.80 1.66 1.66 1.66 26.19
Q3 2022 2,054.80 1.96 1.90 1.96 26.01
Q4 2022 2,054.80 2.35 2.30 2.35 26.59
Q1 2023 2,054.80 2.72 2.67 2.72 27.76
Q2 2023 2,054.80 2.95 2.90 2.95 27.59
Q3 2023 2,054.80 3.10 3.11 3.10 27.03
Q4 2023 2,054.79 3.41 3.41 3.40 28.19
Q1 2024 2,054.80 3.54 3.54 3.50 28.73
Q2 2024 2,054.80 3.77 3.77 3.69 28.60
Q3 2024 2,054.79 3.80 3.80 3.68 29.29
Q4 2024 2,054.79 3.93 3.93 3.78 29.36

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Adjusted P/E Price/book
Q1 2015 15.36 15.36 2.53
Q2 2015 15.94 15.94 2.50
Q3 2015 13.15 13.15 2.09
Q4 2015 11.74 11.74 1.81
Q1 2016 10.71 10.71 1.63
Q2 2016 9.55 9.55 1.40
Q3 2016 9.03 9.03 1.27
Q4 2016 13.19 13.19 1.64
Q1 2017 12.26 12.26 1.45
Q2 2017 14.63 14.63 1.68
Q3 2017 14.44 14.44 1.70
Q4 2017 14.03 14.03 1.66
Q1 2018 16.53 16.53 2.03
Q2 2018 18.02 18.02 1.97
Q3 2018 18.39 18.39 2.00
Q4 2018 24.71 17.80 2.07
Q1 2019 27.27 19.61 2.28
Q2 2019 45.75 27.74 1.51
Q3 2019 32.18 19.15 1.14
Q4 2019 25.85 22.45 1.27
Q1 2020 15.82 13.49 0.75
Q2 2020 NEG 12.19 0.97
Q3 2020 NEG 14.09 1.05
Q4 2020 NEG 13.45 1.00
Q1 2021 NEG 14.72 1.04
Q2 2021 17.90 16.47 1.23
Q3 2021 19.73 18.66 1.30
Q4 2021 21.15 21.15 1.28
Q1 2022 25.21 25.21 1.52
Q2 2022 24.59 24.59 1.55
Q3 2022 19.97 20.53 1.51
Q4 2022 16.57 16.93 1.46
Q1 2023 12.96 13.20 1.27
Q2 2023 12.94 13.16 1.38
Q3 2023 11.13 11.12 1.28
Q4 2023 11.15 11.15 1.34
Q1 2024 11.42 11.42 1.39
Q2 2024 10.33 10.33 1.33
Q3 2024 9.42 9.42 1.18
Q4 2024 8.90 8.90 1.15

Business Segments (Million)

Compared With The
Period Corporate and Institutional Banking Retail Global markets and Treasury Capital Markets Securities Others
Q1 2015 764.09 556.61 396.48 - - -
Q2 2015 719.96 610.16 344.86 - - -
Q3 2015 793.40 573.68 322.18 - - -
Q4 2015 692.91 571.24 285.06 - - -
Q1 2016 809.69 567.45 418.42 - - -
Q2 2016 816.05 596.58 348.48 - - -
Q3 2016 744.91 605.70 298.85 - - 37.84
Q4 2016 769.26 588.11 307.27 - - -
Q1 2017 820.93 629.32 373.81 - - -
Q2 2017 813.48 648.25 317.88 - - -
Q3 2017 782.34 651.12 298.94 - - 31.50
Q4 2017 802.81 638.75 296.78 - - -
Q1 2018 837.17 636.19 297.53 - - (9.24)
Q2 2018 858.65 676.74 297.90 - - 35.24
Q3 2018 859.33 660.93 305.03 - - 36.06
Q4 2018 884.78 649.51 299.50 - - (2.47)
Q1 2019 974.49 665.28 287.07 - - 43.18
Q2 2019 1,001.14 702.09 294.50 - - 12.88
Q3 2019 1,256.87 1,083.30 262.72 - - 66.75
Q4 2019 1,213.52 1,018.68 310.69 - - 20.17
Q1 2020 1,161.94 827.87 352.35 - - 26.74
Q2 2020 1,034.10 794.71 503.14 - - (13.86)
Q3 2020 967.46 726.29 447.62 - - -
Q4 2020 869.28 813.77 370.56 - - (4.00)
Q1 2021 864.31 692.77 458.25 - - 6.20
Q2 2021 872.68 613.31 413.06 - - 23.59
Q3 2021 828.72 635.72 462.48 19.15 - (17.38)
Q4 2021 674.18 580.73 528.64 6.62 - 15.33
Q1 2022 903.95 650.36 469.17 8.09 - (19.04)
Q2 2022 1,037.29 706.18 489.19 8.60 - 0.68
Q3 2022 1,372.84 731.82 401.03 126.99 - (17.52)
Q4 2022 1,544.57 737.61 468.85 67.41 - (37.84)
Q1 2023 1,691.53 813.47 647.53 64.68 - 0.36
Q2 2023 1,653.50 862.95 481.06 80.29 - (11.05)
Q3 2023 1,779.84 895.42 509.78 81.37 - (19.13)
Q4 2023 1,744.80 882.00 422.63 111.18 - 18.26
Q1 2024 1,808.97 965.05 564.49 110.23 - (1.32)
Q2 2024 1,845.08 1,028.32 505.60 111.46 - 1.16
Q3 2024 1,921.71 1,072.31 422.23 113.12 - (1.61)
Q4 2024 1,958.39 1,048.30 432.27 111.49 - 0.41

Analysts Estimates (Million)

Item Q4 2024 (e) Q4 2024 (a) Change‬
Average 1,953.90 2,126.02 8.81 %

Estimates vs Actual (Million)

Item Q4 2024 (e) Q4 2024 (a) Change
SNB Capital 2,079.00 2,126.02 2.3 %
Riyad Capital 2,245.00 2,126.02 (5.3) %
Citi Bank Group 2,016.00 2,126.02 5.5 %
Arqaam Capital 2,008.00 2,126.02 5.9 %
Hermes 1,981.00 2,126.02 7.3 %
Bank of America 1,947.00 2,126.02 9.2 %
Sico 1,889.00 2,126.02 12.5 %
OSOOL AND BAKHEET 1,745.10 2,126.02 21.8 %
United Securities Company 1,675.00 2,126.02 26.9 %

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