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Saudi Awwal Bank (SAB) reported a net profit of SAR 5.9 billion for the first nine months of 2024, a jump of 16% from SAR 5.1 billion in the year-earlier period.
Financials (M)
Item | 9m 2023 | 9m 2024 | Change |
---|---|---|---|
Net Special Commission Income | 7,639.93 | 8,203.12 | 7.4 % |
Operating Income | 9,531.59 | 10,466.80 | 9.8 % |
Total Provisions | (511.87) | (501.78) | 2.0 % |
Net Income | 5,144.75 | 5,944.45 | 15.5 % |
Average Shares | 2,054.80 | 2,054.80 | - |
EPS (Riyals) | 2.50 | 2.89 | 15.5 % |
EPS Diluted (Riyals) | 2.50 | 2.78 | 11.2 % |
Gross special commission income rose by 24% year-on-year (YoY) during the nine-month period, primarily on the impact of interest rate hikes and loan portfolio growth. Similarly, net special commission income rose by 7%, as special commission expenses reflected the higher interest rate environment.
Total operating income grew YoY for the same period. This was mainly due to a SAR 563 million increase in net special commission income; a jump of SAR 220 million in net fee and commission income; and a SAR 152 million rise in the foreign exchange (FX) income.
However, the annual profit growth was partly offset by the increased total operating expenses (opex), primarily spurred by higher salaries and employee-related expenses.
Current Quarter Comparison (M)
Item | Q3 2023 | Q3 2024 | Change |
---|---|---|---|
Net Special Commission Income | 2,578.56 | 2,761.23 | 7.1 % |
Operating Income | 3,247.28 | 3,527.77 | 8.6 % |
Debt Provisions | (144.38) | (308.90) | (114.0 %) |
Net Income | 1,830.33 | 1,883.17 | 2.9 % |
Average Shares | 2,054.80 | 2,054.80 | - |
EPS (Riyals) | 0.89 | 0.92 | 2.9 % |
EPS Diluted (Riyal) | 0.89 | 0.88 | (0.8 %) |
Item | Q2 2024 | Q3 2024 | Change |
---|---|---|---|
Net Special Commission Income | 2,733.13 | 2,761.23 | 1.0 % |
Operating Income | 3,491.61 | 3,527.77 | 1.0 % |
Debt Provisions | (112.22) | (308.90) | (175.3 %) |
Net Income | 2,018.26 | 1,883.17 | (6.7 %) |
Average Shares | 2,054.80 | 2,054.80 | - |
EPS (Riyals) | 0.98 | 0.92 | (6.7 %) |
EPS Diluted (Riyal) | 0.94 | 0.88 | (6.4 %) |
Q3 2024 net profit stood at SAR 1.9 billion, up 3% from SAR 1.83 billion a year earlier.
During the third quarter of this year, gross special commission income advanced by 19% YoY, thanks to interest rate hikes and loan portfolio growth.
This was partly offset by an increase in credit loss provisions, provisions for Zakat and income tax, and opex for the three-month period.
Additionally, the increase in the third-quarter total operating income was driven by rising net special commission income, FX income, net fee and commission income, and gains from FVSI financial instruments.
On a sequential basis, net earnings decreased by 6.7% from SAR 2.02 billion.
Balance Sheet (B)
Item | 9m 2023 | 9m 2024 | Change |
---|---|---|---|
Assets | 340.48 | 395.35 | 16.1 % |
Customer Deposits | 228.05 | 260.63 | 14.3 % |
Loan | 211.40 | 252.40 | 19.4 % |
Total shareholders’ equity (no minority interest and excluding Sukuk) stood at SAR 60.17 billion by Sept. 30, 2024, compared to SAR 55.53 billion a year earlier.
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- TASI
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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 - BAAN
- 4170 - TECO
- 4290 - ALKHALEEJ TRNG
- 6002 - HERFY FOODS
- 6017 - JAHEZ
- 1830 - Leejam Sports
- 6012 - RAYDAN
- 4291 - NCLE
- 4292 - ATAA
- 6014 - ALAMAR
- 6015 - AMERICANA
- 6016 - BURGERIZZR
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- 4051 - BAAZEEM
- 4192 - ALSAIF GALLERY
- 4001 - A.OTHAIM MARKET
- 4006 - FARM SUPERSTORES
- 4061 - ANAAM HOLDING
- 4160 - THIMAR
- 4161 - BINDAWOOD
- 4162 - ALMUNAJEM
- 4164 - NAHDI
- 4163 - ALDAWAA
- 2050 - SAVOLA GROUP
- 2100 - WAFRAH
- 2270 - SADAFCO
- 2280 - ALMARAI
- 6001 - HB
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- 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
- 4083 - UIHC
- 8010 - TAWUNIYA
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- 8020 - MALATH INSURANCE
- 8030 - MEDGULF
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- 8050 - SALAMA
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- 8070 - ARABIAN SHIELD
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- 8280 - LIVA
- 8150 - ACIG
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- 4090 - TAIBA
- 4100 - MCDC
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Media and Entertainment
Consumer Durables & Apparel
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
- 9616 - JANA
- 9620 - BALSM MEDICAL
- 9513 - WATANI STEEL
- 9514 - ALNAQOOL
- 9523 - GROUP FIVE
- 9539 - AQASEEM
- 9548 - APICO
- 9553 - MOLAN
- 9565 - MEYAR
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- 9599 - TAQAT
- 9601 - ALRASHEED
- 9605 - NEFT ALSHARQ
- 9607 - ASG
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- 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
- 9619 - MULTI BUSINESS
- 9621 - DRC
- 9541 - ACADEMY OF LEARNING
- 9562 - FOOD GATE
- 9590 - ARMAH
- 9598 - ALMOHAFAZA FOR EDUCATION
- 9603 - HORIZON EDUCATIONAL
- 9567 - GHIDA ALSULTAN
- 9617 - ARABICA STAR
Share Price
Saudi Awwal Bank (SAB)
Current | |
Market Cap (M Riyal) | 66,164.56 |
Shares Outstanding ((M)) | 2,054.80 |
EPS ( Riyal) (TTM) | 3.80 |
EPS Diluted ( Riyal) (TTM) | 3.68 |
Book Value (BV) ( Riyal) | 29.29 |
Par Value ( Riyal) | 10.00 |
Adjusted P/E (Last12) | 8.48 |
P/E (TTM) | 8.48 |
Price/book | 1.10 |
Return on Average Assets (%) (TTM) | 2.1 |
Return on Average Equity (%) (TTM) | 13.5 |
Financial results (Million)
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 %) |
2015 | 4,253.88 | 4.7 % | 6,630.63 | 2.0 % | (429.72) | 4.5 % |
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 %) |
2016 | 4,756.92 | 11.8 % | 6,908.60 | 4.2 % | (944.56) | (119.8 %) |
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 % |
2017 | 5,097.88 | 7.2 % | 7,126.91 | 3.2 % | (1,001.83) | (6.1 %) |
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 % |
2018 | 5,577.33 | 9.4 % | 7,322.84 | 2.7 % | (259.03) | 74.1 % |
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 %) |
2019 | 7,179.63 | 28.7 % | 9,213.32 | 25.8 % | (2,501.18) | (865.6 %) |
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 % |
2020 | 6,872.71 | (4.3 %) | 8,877.97 | (3.6 %) | (1,630.93) | 34.8 % |
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 %) |
2021 | 5,717.22 | (16.8 %) | 7,678.36 | (13.5 %) | (453.74) | 72.2 % |
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 % |
2022 | 7,408.29 | 29.6 % | 9,541.63 | 24.3 % | (445.26) | 1.9 % |
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 % |
2023 | 10,341.47 | 39.6 % | 12,710.46 | 33.2 % | (562.44) | (26.3 %) |
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 %) |
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
2014 | 4,062.61 | 9.2 % | 6,502.21 | 11.8 % | (449.81) | (20.2 %) |
2015 | 4,253.88 | 4.7 % | 6,630.63 | 2.0 % | (429.72) | 4.5 % |
2016 | 4,756.92 | 11.8 % | 6,908.60 | 4.2 % | (944.56) | (119.8 %) |
2017 | 5,097.88 | 7.2 % | 7,126.91 | 3.2 % | (1,001.83) | (6.1 %) |
2018 | 5,577.33 | 9.4 % | 7,322.84 | 2.7 % | (259.03) | 74.1 % |
2019 | 7,179.63 | 28.7 % | 9,213.32 | 25.8 % | (2,501.18) | (865.6 %) |
2020 | 6,872.71 | (4.3 %) | 8,877.97 | (3.6 %) | (1,630.93) | 34.8 % |
2021 | 5,717.22 | (16.8 %) | 7,678.36 | (13.5 %) | (453.74) | 72.2 % |
2022 | 7,408.29 | 29.6 % | 9,541.63 | 24.3 % | (445.26) | 1.9 % |
2023 | 10,341.47 | 39.6 % | 12,710.46 | 33.2 % | (562.44) | (26.3 %) |
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 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 |
2015 | 4,330.55 | 1.5 % | 2.89 | - | 4,330.55 | 2.89 |
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 |
2016 | 3,894.73 | (10.1 %) | 2.60 | - | 3,894.73 | 2.60 |
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 |
2017 | 3,954.58 | 1.5 % | 2.64 | - | 3,954.58 | 2.64 |
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 |
2018 | 2,715.44 | (31.3 %) | 1.81 | (1053.40) | 3,768.84 | 2.51 |
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 |
2019 | 2,754.26 | 1.4 % | 1.44 | (417.00) | 3,171.26 | 1.66 |
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 |
2020 | (4155.39) | (250.9 %) | (2.02) | (7917.78) | 3,762.38 | 1.83 |
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 |
2021 | 3,204.43 | 177.1 % | 1.56 | - | 3,204.43 | 1.56 |
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 |
2022 | 4,827.61 | 50.7 % | 2.35 | 102.04 | 4,725.57 | 2.30 |
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 |
2023 | 7,002.37 | 45.0 % | 3.41 | - | 7,002.37 | 3.41 |
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 |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
2014 | 4,266.06 | 13.0 % | 2.84 | - | 4,266.06 | 2.84 |
2015 | 4,330.55 | 1.5 % | 2.89 | - | 4,330.55 | 2.89 |
2016 | 3,894.73 | (10.1 %) | 2.60 | - | 3,894.73 | 2.60 |
2017 | 3,954.58 | 1.5 % | 2.64 | - | 3,954.58 | 2.64 |
2018 | 2,715.44 | (31.3 %) | 1.81 | (1053.40) | 3,768.84 | 2.51 |
2019 | 2,754.26 | 1.4 % | 1.44 | (417.00) | 3,171.26 | 1.66 |
2020 | (4155.39) | (250.9 %) | (2.02) | (7917.78) | 3,762.38 | 1.83 |
2021 | 3,204.43 | 177.1 % | 1.56 | - | 3,204.43 | 1.56 |
2022 | 4,827.61 | 50.7 % | 2.35 | 102.04 | 4,725.57 | 2.30 |
2023 | 7,002.37 | 45.0 % | 3.41 | - | 7,002.37 | 3.41 |
Balance Sheet (B)
Balance Sheet Performance (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 % | 240.94 | 12.4 % | 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 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
3m 2015 | 190.16 | 8.4 % | 149.00 | 8.8 % | 120.43 | 9.6 % |
6m 2015 | 192.33 | 9.6 % | 151.10 | 9.3 % | 126.96 | 12.6 % |
9m 2015 | 197.20 | 7.8 % | 155.85 | 8.5 % | 129.57 | 11.1 % |
12m 2015 | 187.75 | 0.1 % | 148.89 | 2.1 % | 125.95 | 9.3 % |
3m 2016 | 191.79 | 0.9 % | 151.88 | 1.9 % | 130.56 | 8.4 % |
6m 2016 | 191.87 | (0.2 %) | 150.27 | (0.6 %) | 131.10 | 3.3 % |
9m 2016 | 185.90 | (5.7 %) | 144.08 | (7.5 %) | 125.87 | (2.9 %) |
12m 2016 | 186.06 | (0.9 %) | 140.64 | (5.5 %) | 120.96 | (4.0 %) |
3m 2017 | 185.26 | (3.4 %) | 141.57 | (6.8 %) | 119.49 | (8.5 %) |
6m 2017 | 182.52 | (4.9 %) | 138.31 | (8.0 %) | 117.88 | (10.1 %) |
9m 2017 | 179.48 | (3.5 %) | 134.57 | (6.6 %) | 116.69 | (7.3 %) |
12m 2017 | 187.62 | 0.8 % | 140.24 | (0.3 %) | 117.01 | (3.3 %) |
3m 2018 | 182.62 | (1.4 %) | 135.39 | (4.4 %) | 116.49 | (2.5 %) |
6m 2018 | 183.13 | 0.3 % | 132.93 | (3.9 %) | 113.36 | (3.8 %) |
9m 2018 | 175.05 | (2.5 %) | 129.33 | (3.9 %) | 112.13 | (3.9 %) |
12m 2018 | 174.68 | (6.9 %) | 130.51 | (6.9 %) | 110.33 | (5.7 %) |
3m 2019 | 173.78 | (4.8 %) | 127.24 | (6.0 %) | 110.36 | (5.3 %) |
6m 2019 | 270.82 | 47.9 % | 196.16 | 47.6 % | 154.96 | 36.7 % |
9m 2019 | 258.49 | 47.7 % | 183.41 | 41.8 % | 149.34 | 33.2 % |
12m 2019 | 265.99 | 52.3 % | 192.17 | 47.2 % | 152.08 | 37.8 % |
3m 2020 | 265.69 | 52.9 % | 188.28 | 48.0 % | 155.18 | 40.6 % |
6m 2020 | 266.99 | (1.4 %) | 188.36 | (4.0 %) | 152.95 | (1.3 %) |
9m 2020 | 263.96 | 2.1 % | 180.20 | (1.8 %) | 151.89 | 1.7 % |
12m 2020 | 276.45 | 3.9 % | 189.11 | (1.6 %) | 153.24 | 0.8 % |
3m 2021 | 271.56 | 2.2 % | 183.69 | (2.4 %) | 156.71 | 1.0 % |
6m 2021 | 272.94 | 2.2 % | 186.83 | (0.8 %) | 161.44 | 5.6 % |
9m 2021 | 269.55 | 2.1 % | 180.25 | 0.0 % | 163.50 | 7.6 % |
12m 2021 | 272.40 | (1.5 %) | 186.76 | (1.2 %) | 167.56 | 9.3 % |
3m 2022 | 282.69 | 4.1 % | 193.89 | 5.6 % | 176.15 | 12.4 % |
6m 2022 | 302.54 | 10.8 % | 207.45 | 11.0 % | 176.21 | 9.1 % |
9m 2022 | 300.10 | 11.3 % | 202.86 | 12.5 % | 183.16 | 12.0 % |
12m 2022 | 314.40 | 15.4 % | 214.28 | 14.7 % | 183.13 | 9.3 % |
3m 2023 | 328.88 | 16.3 % | 225.98 | 16.6 % | 191.00 | 8.4 % |
6m 2023 | 334.91 | 10.7 % | 222.73 | 7.4 % | 198.67 | 12.7 % |
9m 2023 | 340.48 | 13.5 % | 228.05 | 12.4 % | 211.40 | 15.4 % |
12m 2023 | 356.64 | 13.4 % | 240.94 | 12.4 % | 215.94 | 17.9 % |
3m 2024 | 369.61 | 12.4 % | 251.76 | 11.4 % | 228.54 | 19.7 % |
6m 2024 | 382.30 | 14.1 % | 264.43 | 18.7 % | 241.55 | 21.6 % |
9m 2024 | 395.35 | 16.1 % | 260.63 | 14.3 % | 252.40 | 19.4 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
2014 | 187.61 | 5.8 % | 145.87 | 5.0 % | 115.22 | 8.6 % |
2015 | 187.75 | 0.1 % | 148.89 | 2.1 % | 125.95 | 9.3 % |
2016 | 186.06 | (0.9 %) | 140.64 | (5.5 %) | 120.96 | (4.0 %) |
2017 | 187.62 | 0.8 % | 140.24 | (0.3 %) | 117.01 | (3.3 %) |
2018 | 174.68 | (6.9 %) | 130.51 | (6.9 %) | 110.33 | (5.7 %) |
2019 | 265.99 | 52.3 % | 192.17 | 47.2 % | 152.08 | 37.8 % |
2020 | 276.45 | 3.9 % | 189.11 | (1.6 %) | 153.24 | 0.8 % |
2021 | 272.40 | (1.5 %) | 186.76 | (1.2 %) | 167.56 | 9.3 % |
2022 | 314.40 | 15.4 % | 214.28 | 14.7 % | 183.13 | 9.3 % |
2023 | 356.64 | 13.4 % | 240.94 | 12.4 % | 215.94 | 17.9 % |
Profitability
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 % |
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 % |
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 % |
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 % |
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 % |
2019 | 1.25 % | 6.23 % | 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 % |
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 % |
2021 | 1.17 % | 6.19 % | 74.46 % |
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 % |
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 % |
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 % |
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
2014 | 2.34 % | 17.45 % | 62.48 % |
2015 | 2.31 % | 15.97 % | 64.15 % |
2016 | 2.08 % | 13.10 % | 68.85 % |
2017 | 2.12 % | 12.24 % | 71.53 % |
2018 | 1.50 % | 8.25 % | 76.16 % |
2019 | 1.25 % | 6.23 % | 77.93 % |
2020 | (1.53 %) | (7.79 %) | 77.41 % |
2021 | 1.17 % | 6.19 % | 74.46 % |
2022 | 1.65 % | 8.98 % | 77.64 % |
2023 | 2.09 % | 12.44 % | 81.36 % |
Ratios
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 | 67.56 % | 60.55 % | 89.62 % |
Q1 2024 | 68.11 % | 61.83 % | 90.78 % |
Q2 2024 | 69.17 % | 63.18 % | 91.35 % |
Q3 2024 | 65.93 % | 63.84 % | 96.84 % |
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
2014 | 77.75 % | 61.42 % | 78.99 % |
2015 | 79.30 % | 67.08 % | 84.59 % |
2016 | 75.59 % | 65.02 % | 86.01 % |
2017 | 74.75 % | 62.36 % | 83.43 % |
2018 | 74.71 % | 63.16 % | 84.54 % |
2019 | 72.25 % | 57.17 % | 79.14 % |
2020 | 68.41 % | 55.43 % | 81.03 % |
2021 | 68.56 % | 61.51 % | 89.72 % |
2022 | 68.15 % | 58.25 % | 85.46 % |
2023 | 67.56 % | 60.55 % | 89.62 % |
Per Share Data (Riyal)
Per Share Data (Riyal)
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (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 | 2,054.80 | 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 | 2,054.80 | 3.80 | 3.80 | 3.68 | 29.29 |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
2014 | 1,500.00 | 2.84 | 2.84 | - | 17.38 |
2015 | 1,500.00 | 2.89 | 2.89 | - | 18.78 |
2016 | 1,500.00 | 2.60 | 2.60 | - | 20.85 |
2017 | 1,500.00 | 2.64 | 2.64 | - | 22.23 |
2018 | 1,500.00 | 1.81 | 2.51 | - | 21.64 |
2019 | 1,916.10 | 1.44 | 1.66 | - | 27.25 |
2020 | 2,054.80 | (2.02) | 1.83 | (2.02) | 24.65 |
2021 | 2,054.80 | 1.56 | 1.56 | 1.56 | 25.76 |
2022 | 2,054.80 | 2.35 | 2.30 | 2.35 | 26.59 |
2023 | 2,054.80 | 3.41 | 3.41 | 3.41 | 28.19 |
Multiple Ratios (End of Period Price)
Ratios And Multiples
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 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
2014 | 18.74 | 18.74 | 3.07 |
2015 | 11.74 | 11.74 | 1.81 |
2016 | 13.19 | 13.19 | 1.64 |
2017 | 14.03 | 14.03 | 1.66 |
2018 | 24.71 | 17.80 | 2.07 |
2019 | 25.89 | 22.48 | 1.27 |
2020 | NEG | 13.52 | 1.00 |
2021 | 21.15 | 21.15 | 1.28 |
2022 | 16.57 | 16.93 | 1.46 |
2023 | 11.11 | 11.11 | 1.34 |
Business Segments (Million)
Q3 2024
Revenue by Business Segment (Latest) 2024 Q3
2024
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) |
Period | Corporate and Institutional Banking | Retail | Global markets and Treasury | Capital Markets | Securities | Others |
---|---|---|---|---|---|---|
2014 | 2,993.01 | 2,247.93 | 1,261.27 | - | - | - |
2015 | 2,970.36 | 2,311.69 | 1,348.58 | - | - | - |
2016 | 3,139.91 | 2,357.83 | 1,373.02 | - | - | 37.84 |
2017 | 3,219.56 | 2,567.44 | 1,287.42 | - | - | 52.50 |
2018 | 3,439.92 | 2,623.37 | 1,199.96 | - | - | 59.59 |
2019 | 4,446.02 | 3,469.35 | 1,154.99 | - | - | 142.97 |
2020 | 4,032.78 | 3,162.64 | 1,673.66 | - | - | 8.88 |
2021 | 3,239.89 | 2,522.52 | 1,862.43 | 25.77 | - | 27.74 |
2022 | 4,858.65 | 2,825.98 | 1,828.23 | 211.09 | - | (73.72) |
2023 | 6,869.68 | 3,453.83 | 2,060.99 | 337.52 | - | (11.56) |
Analysts Estimates (Million)
Analysts Estimates (Million)
Item | Q3 2024 (e) | Q3 2024 (a) | Change |
---|---|---|---|
Average | 1,976.98 | 1,883.17 | (4.7 %) |
Estimates vs Actual (Million)
Estimates Accuracy
Item | Q3 2024 (e) | Q3 2024 (a) | Change |
---|---|---|---|
Bank of America | 1,884.00 | 1,883.17 | 0.0 % |
United Securities Company | 1,892.00 | 1,883.17 | (0.5) % |
OSOOL AND BAKHEET | 1,923.64 | 1,883.17 | (2.1) % |
U-Capital | 1,962.20 | 1,883.17 | (4.0) % |
Hermes | 1,975.00 | 1,883.17 | (4.6) % |
Arqaam Capital | 1,975.00 | 1,883.17 | (4.6) % |
Sico | 2,007.00 | 1,883.17 | (6.2) % |
Riyad Capital | 2,007.00 | 1,883.17 | (6.2) % |
Citi Bank Group | 2,055.00 | 1,883.17 | (8.4) % |
SNB Capital | 2,089.00 | 1,883.17 | (9.9) % |
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