SAIB’s H1 2022 profit rises 21% to SAR 607.7 mln; Q2 jumps 11.4% to SAR 320.7 mln

SAIB’s H1 2022 profit rises 21% to SAR 607.7 mln; Q2 jumps 11.4% to SAR 320.7 mln

28/07/2022 Argaam Exclusive

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Saudi Investment Bank (SAIB) reported a net profit of SAR 607.7 million in the first six months of 2022, a jump of 21% from SAR 501.3 million in the year-earlier period.

 

This was driven by a 10.4% year-on-year (YoY) increase in total operating income, primarily due to higher net special commission income, in addition to a 0.8% drop in gross operating expenses due to lower provisions for credit and other losses.

 



Financials (M)

Item 6m 2021 6m 2022 Change‬
Net Special Commission Income 1,124.84 1,261.38 12.1 %
Operating Income 1,349.10 1,489.60 10.4 %
Total Provisions (174.58) (91.37) 47.7 %
Net Income 501.27 607.67 21.2 %
Average Shares 1,250.00 1,250.00 -
EPS (Riyals) 0.40 0.49 21.2 %

The bank’s H1 2022 earnings growth was offset by a surge in general and administrative (G&A) expenses, salaries and employee-related costs, rent and premises-related expenses, as well as depreciation and amortization.

 

The bank’s Q2 2022 net profit increased by 11.4% YoY to SAR 320.70 million, as total operating income rose by 7.8%, primarily due to the growing net special commission income. In addition, total operating expenses decreased by 4.6% YoY during the same period.

 

On a sequential basis, net profit rose 11.7% from SAR 287.02 million in Q1 2022.



Current Quarter Comparison (M)

Compared With The
Item Q2 2021 Q2 2022 Change‬
Net Special Commission Income 584.55 672.21 15.0 %
Operating Income 716.68 772.46 7.8 %
Debt Provisions (109.73) (53.61) 51.1 %
Net Income 287.77 320.65 11.4 %
Average Shares 1,250.00 1,250.00 -
EPS (Riyals) 0.23 0.26 11.4 %

Total shareholders’ equity, excluding minority interest, stood at SAR 13.511 billion by the end of H1 2022, compared to SAR 13.517 billion in a year earlier.

Balance Sheet (B)

Item 6m 2021 6m 2022 Change‬
Assets 98.41 110.80 12.6 %
Customer Deposits 59.81 67.46 12.8 %
Loan 56.30 62.26 10.6 %

View More Financial Results

 


Financial results (Million)

Period Net Special Commission Income Change Operating Income Change Debt Provisions Change Net Income Change EPS(Riyal)
Q1 2013 339.61 16.8 % 505.38 10.2 % (30.00) 73.9 % 314.27 48.1 % 0.25
Q2 2013 343.41 12.1 % 518.68 23.7 % (30.00) 57.1 % 320.40 44.1 % 0.26
Q3 2013 346.63 8.1 % 501.41 23.1 % (30.00) 33.3 % 325.39 40.4 % 0.26
Q4 2013 335.34 3.4 % 491.19 12.6 % (15.00) 40.0 % 326.77 33.0 % 0.26
Q1 2014 354.68 4.4 % 533.35 5.5 % (141.00) (370.0 %) 337.47 7.4 % 0.27
Q2 2014 371.05 8.0 % 550.75 6.2 % (21.00) 30.0 % 352.96 10.2 % 0.28
Q3 2014 389.06 12.2 % 576.12 14.9 % (14.00) 53.3 % 371.17 14.1 % 0.30
Q4 2014 424.77 26.7 % 647.00 31.7 % (45.30) (202.0 %) 374.87 14.7 % 0.30
Q1 2015 430.57 21.4 % 652.24 22.3 % (23.00) 83.7 % 366.70 8.7 % 0.29
Q2 2015 430.97 16.1 % 640.48 16.3 % (46.00) (119.0 %) 382.57 8.4 % 0.31
Q3 2015 441.57 13.5 % 603.17 4.7 % (22.00) (57.1 %) 351.43 (5.3 %) 0.28
Q4 2015 428.08 0.8 % 615.17 (4.9 %) (27.00) 40.4 % 227.96 (39.2 %) 0.18
Q1 2016 412.80 (4.1 %) 590.74 (9.4 %) (118.00) (413.0 %) 210.00 (42.7 %) 0.17
Q2 2016 420.70 (2.4 %) 612.19 (4.4 %) (58.00) (26.1 %) 321.37 (16.0 %) 0.26
Q3 2016 460.66 4.3 % 633.14 5.0 % (30.00) (36.4 %) 219.43 (37.6 %) 0.18
Q4 2016 377.90 (11.7 %) 569.79 (7.4 %) (40.00) (48.1 %) 302.17 32.6 % 0.24
Q1 2017 463.02 12.2 % 624.96 5.8 % (45.00) 61.9 % 344.94 64.3 % 0.28
Q2 2017 486.44 15.6 % 655.84 7.1 % (74.00) (27.6 %) 355.65 10.7 % 0.28
Q3 2017 508.96 10.5 % 701.64 10.8 % (63.00) (110.0 %) 358.35 63.3 % 0.29
Q4 2017 583.65 54.4 % 677.44 18.9 % (31.00) 22.5 % 351.86 16.4 % 0.28
Q1 2018 564.16 21.8 % 686.32 9.8 % (88.55) (96.8 %) 346.01 0.3 % 0.28
Q2 2018 573.40 17.9 % 671.08 2.3 % (64.21) 13.2 % 336.78 (5.3 %) 0.27
Q3 2018 596.51 17.2 % 700.59 (0.1 %) (90.43) (43.5 %) 345.73 (3.5 %) 0.28
Q4 2018 553.66 (5.1 %) 654.73 (3.4 %) (3.79) 87.8 % (452.62) (228.6 %) (0.36)
Q1 2019 581.08 3.0 % 702.19 2.3 % (77.22) 12.8 % 281.45 (18.7 %) 0.23
Q2 2019 560.00 (2.3 %) 663.10 (1.2 %) (751.00) (1,069.6 %) (284.74) (184.5 %) (0.23)
Q3 2019 566.13 (5.1 %) 739.35 5.5 % (66.15) 26.9 % 311.93 (9.8 %) 0.25
Q4 2019 570.69 3.1 % 713.59 9.0 % (448.28) (11,724.7 %) (69.18) 84.7 % (0.06)
Q1 2020 582.71 0.3 % 717.72 2.2 % (224.98) (191.3 %) 150.71 (46.5 %) 0.12
Q2 2020 609.21 8.8 % 713.29 7.6 % (98.70) 86.9 % 262.26 192.1 % 0.21
Q3 2020 575.46 1.6 % 724.92 (2.0 %) (57.30) 13.4 % 301.37 (3.4 %) 0.24
Q4 2020 554.27 (2.9 %) 690.20 (3.3 %) (68.45) 84.7 % 265.21 483.4 % 0.21
Q1 2021 542.96 (6.8 %) 635.08 (11.5 %) (64.84) 71.2 % 213.50 41.7 % 0.17
Q2 2021 584.55 (4.0 %) 716.68 0.5 % (109.73) (11.2 %) 287.77 9.7 % 0.23
Q3 2021 595.05 3.4 % 680.24 (6.2 %) (51.03) 10.9 % 274.35 (9.0 %) 0.22
Q4 2021 627.98 13.3 % 723.70 4.9 % (45.46) 33.6 % 286.05 7.9 % 0.23
Q1 2022 589.16 8.5 % 717.14 12.9 % (37.76) 41.8 % 287.02 34.4 % 0.23
Q2 2022 672.21 15.0 % 772.46 7.8 % (53.61) 51.1 % 320.65 11.4 % 0.26

Profitability

Period Return On Average Assets Return on Average Equity Net Interest Income/Total Operating Income
Q1 2013 1.76 % 11.29 % 73.00 %
Q2 2013 1.85 % 12.22 % 71.10 %
Q3 2013 1.92 % 12.71 % 69.01 %
Q4 2013 1.84 % 13.11 % 67.69 %
Q1 2014 1.79 % 12.91 % 67.50 %
Q2 2014 1.74 % 13.15 % 67.78 %
Q3 2014 1.72 % 12.70 % 67.40 %
Q4 2014 1.65 % 13.00 % 66.73 %
Q1 2015 1.69 % 12.78 % 66.59 %
Q2 2015 1.66 % 13.05 % 66.59 %
Q3 2015 1.63 % 12.38 % 67.95 %
Q4 2015 1.42 % 11.12 % 68.94 %
Q1 2016 1.25 % 9.83 % 69.95 %
Q2 2016 1.18 % 9.38 % 70.34 %
Q3 2016 1.05 % 8.12 % 70.26 %
Q4 2016 1.13 % 8.47 % 69.50 %
Q1 2017 1.24 % 9.49 % 70.58 %
Q2 2017 1.27 % 9.87 % 71.99 %
Q3 2017 1.40 % 10.71 % 71.95 %
Q4 2017 1.51 % 10.72 % 76.77 %
Q1 2018 1.51 % 10.82 % 78.76 %
Q2 2018 1.40 % 10.81 % 81.50 %
Q3 2018 1.42 % 10.75 % 84.73 %
Q4 2018 0.61 % 4.59 % 84.33 %
Q1 2019 0.55 % 4.08 % 84.46 %
Q2 2019 (0.11 %) (0.91 %) 84.22 %
Q3 2019 (0.15 %) (1.18 %) 81.93 %
Q4 2019 0.24 % 2.03 % 80.83 %
Q1 2020 0.11 % 0.96 % 80.44 %
Q2 2020 0.65 % 5.52 % 80.75 %
Q3 2020 0.66 % 5.21 % 81.48 %
Q4 2020 0.98 % 7.73 % 81.57 %
Q1 2021 1.06 % 8.73 % 82.57 %
Q2 2021 1.05 % 8.29 % 81.58 %
Q3 2021 1.05 % 7.57 % 83.64 %
Q4 2021 1.05 % 7.55 % 85.30 %
Q1 2022 1.10 % 8.29 % 84.46 %
Q2 2022 1.12 % 8.64 % 85.86 %

Balance Sheet (B)

Period Assets Change Customer Deposits Change Loan Change
Q1 2013 63.13 21.0 % 44.04 19.2 % 36.99 32.2 %
Q2 2013 66.66 24.7 % 48.56 27.5 % 40.41 35.6 %
Q3 2013 70.81 28.6 % 51.85 33.5 % 42.73 34.4 %
Q4 2013 80.50 36.3 % 57.04 41.2 % 47.57 39.7 %
Q1 2014 82.86 31.3 % 62.14 41.1 % 52.24 41.2 %
Q2 2014 88.06 32.1 % 67.73 39.5 % 54.77 35.5 %
Q3 2014 90.55 27.9 % 69.68 34.4 % 57.56 34.7 %
Q4 2014 93.63 16.3 % 70.73 24.0 % 57.47 20.8 %
Q1 2015 91.06 9.9 % 69.63 12.0 % 57.32 9.7 %
Q2 2015 92.51 5.1 % 70.48 4.1 % 57.17 4.4 %
Q3 2015 90.27 (0.3 %) 66.82 (4.1 %) 58.08 0.9 %
Q4 2015 93.58 (0.1 %) 70.52 (0.3 %) 60.27 4.9 %
Q1 2016 96.39 5.9 % 70.69 1.5 % 61.62 7.5 %
Q2 2016 95.95 3.7 % 68.09 (3.4 %) 61.25 7.1 %
Q3 2016 96.18 6.5 % 66.45 (0.6 %) 61.29 5.5 %
Q4 2016 93.05 (0.6 %) 65.64 (6.9 %) 60.25 0.0 %
Q1 2017 95.18 (1.3 %) 64.44 (8.8 %) 60.29 (2.2 %)
Q2 2017 96.88 1.0 % 66.56 (2.2 %) 61.63 0.6 %
Q3 2017 98.33 2.2 % 71.06 6.9 % 61.07 (0.4 %)
Q4 2017 93.80 0.8 % 66.94 2.0 % 59.59 (1.1 %)
Q1 2018 91.53 (3.8 %) 61.03 (5.3 %) 57.90 (4.0 %)
Q2 2018 101.95 5.2 % 71.30 7.1 % 59.33 (3.7 %)
Q3 2018 95.45 (2.9 %) 64.02 (9.9 %) 59.54 (2.5 %)
Q4 2018 96.07 2.4 % 63.69 (4.9 %) 59.41 (0.3 %)
Q1 2019 94.83 3.6 % 63.82 4.6 % 58.18 0.5 %
Q2 2019 97.96 (3.9 %) 66.84 (6.3 %) 56.93 (4.1 %)
Q3 2019 96.30 0.9 % 64.96 1.5 % 57.63 (3.2 %)
Q4 2019 100.81 4.9 % 69.06 8.4 % 57.11 (3.9 %)
Q1 2020 100.80 6.3 % 67.64 6.0 % 59.88 2.9 %
Q2 2020 104.62 6.8 % 64.24 (3.9 %) 58.60 2.9 %
Q3 2020 98.34 2.1 % 59.84 (7.9 %) 57.72 0.2 %
Q4 2020 99.88 (0.9 %) 60.14 (12.9 %) 55.07 (3.6 %)
Q1 2021 96.27 (4.5 %) 56.12 (17.0 %) 55.42 (7.4 %)
Q2 2021 98.41 (5.9 %) 59.81 (6.9 %) 56.30 (3.9 %)
Q3 2021 99.64 1.3 % 60.89 1.8 % 58.29 1.0 %
Q4 2021 101.62 1.7 % 61.48 2.2 % 57.80 4.9 %
Q1 2022 109.26 13.5 % 68.35 21.8 % 59.94 8.1 %
Q2 2022 110.80 12.6 % 67.46 12.8 % 62.26 10.6 %

Ratios

Period Customer Deposits Per Total Assets Loans and advances/Total assets Loans and advances/Customers Deposits
Q1 2013 69.76 % 58.59 % 83.99 %
Q2 2013 72.85 % 60.63 % 83.23 %
Q3 2013 73.22 % 60.33 % 82.40 %
Q4 2013 70.87 % 59.09 % 83.39 %
Q1 2014 75.00 % 63.04 % 84.06 %
Q2 2014 76.91 % 62.19 % 80.86 %
Q3 2014 76.96 % 63.57 % 82.61 %
Q4 2014 75.55 % 61.38 % 81.25 %
Q1 2015 76.46 % 62.94 % 82.32 %
Q2 2015 76.18 % 61.80 % 81.12 %
Q3 2015 74.02 % 64.33 % 86.91 %
Q4 2015 75.36 % 64.40 % 85.47 %
Q1 2016 73.33 % 63.92 % 87.17 %
Q2 2016 70.96 % 63.84 % 89.96 %
Q3 2016 69.08 % 63.72 % 92.24 %
Q4 2016 70.55 % 64.75 % 91.79 %
Q1 2017 67.70 % 63.35 % 93.56 %
Q2 2017 68.70 % 63.61 % 92.59 %
Q3 2017 72.27 % 62.10 % 85.93 %
Q4 2017 71.37 % 63.53 % 89.01 %
Q1 2018 66.68 % 63.25 % 94.86 %
Q2 2018 69.93 % 58.19 % 83.21 %
Q3 2018 67.07 % 62.38 % 93.01 %
Q4 2018 66.30 % 61.84 % 93.28 %
Q1 2019 67.30 % 61.35 % 91.15 %
Q2 2019 68.23 % 58.11 % 85.16 %
Q3 2019 67.46 % 59.84 % 88.71 %
Q4 2019 68.50 % 56.65 % 82.70 %
Q1 2020 67.10 % 59.40 % 88.52 %
Q2 2020 61.41 % 56.02 % 91.22 %
Q3 2020 60.85 % 58.70 % 96.46 %
Q4 2020 60.21 % 55.14 % 91.57 %
Q1 2021 58.30 % 57.57 % 98.75 %
Q2 2021 60.78 % 57.21 % 94.12 %
Q3 2021 61.11 % 58.50 % 95.73 %
Q4 2021 60.51 % 56.88 % 94.00 %
Q1 2022 62.56 % 54.86 % 87.69 %
Q2 2022 60.88 % 56.19 % 92.30 %


Per Share Data (Riyal)

Compared With The
Period Shares Outstanding (M) EPS (Riyal) Adjusted EPS (Riyal) EPS Diluted (Riyal) Book Value (BV)
Q1 2013 1,250.00 0.81 0.81 - 7.46
Q2 2013 1,250.00 0.89 0.89 - 7.57
Q3 2013 1,250.00 0.96 0.96 - 7.91
Q4 2013 1,250.00 1.03 1.03 - 8.20
Q1 2014 1,250.00 1.05 0.87 - 8.78
Q2 2014 1,250.00 1.07 0.89 - 8.76
Q3 2014 1,250.00 1.11 0.93 - 9.58
Q4 2014 1,250.00 1.15 0.97 - 9.48
Q1 2015 1,250.00 1.17 1.17 - 9.57
Q2 2015 1,250.00 1.20 1.20 - 9.57
Q3 2015 1,250.00 1.18 1.18 - 9.50
Q4 2015 1,250.00 1.06 1.06 - 9.63
Q1 2016 1,250.00 0.94 0.94 - 9.49
Q2 2016 1,250.00 0.89 0.89 - 9.37
Q3 2016 1,250.00 0.78 0.78 - 9.79
Q4 2016 1,250.00 0.84 0.84 - 10.27
Q1 2017 1,250.00 0.95 0.95 - 10.53
Q2 2017 1,250.00 0.98 0.98 - 10.43
Q3 2017 1,250.00 1.09 1.09 - 10.55
Q4 2017 1,250.00 1.13 1.13 - 10.80
Q1 2018 1,250.00 1.13 1.13 - 10.35
Q2 2018 1,250.00 1.11 1.11 - 10.18
Q3 2018 1,250.00 1.10 1.10 - 10.00
Q4 2018 1,250.00 0.46 1.06 - 9.30
Q1 2019 1,250.00 0.41 1.01 - 9.68
Q2 2019 1,250.00 (0.09) 0.51 - 9.20
Q3 2019 1,250.00 (0.12) 0.49 - 9.57
Q4 2019 1,250.00 0.19 0.19 - 9.61
Q1 2020 1,250.00 0.09 0.09 - 8.39
Q2 2020 1,250.00 0.52 0.52 - 9.79
Q3 2020 1,250.00 0.52 0.50 - 10.25
Q4 2020 1,250.00 0.78 0.77 - 10.66
Q1 2021 1,250.00 0.83 0.82 - 10.71
Q2 2021 1,250.00 0.85 0.84 - 10.81
Q3 2021 1,250.00 0.83 0.83 - 11.75
Q4 2021 1,250.00 0.85 0.85 - 11.84
Q1 2022 1,250.00 0.91 0.91 - 11.21
Q2 2022 1,250.00 0.93 0.93 - 10.81

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Adjusted P/E Price/book
Q1 2013 10.43 10.43 1.13
Q2 2013 11.70 11.70 1.37
Q3 2013 11.69 11.69 1.42
Q4 2013 13.26 13.26 1.66
Q1 2014 13.94 16.81 1.66
Q2 2014 12.42 14.91 1.52
Q3 2014 14.38 17.14 1.67
Q4 2014 11.70 13.86 1.42
Q1 2015 10.61 10.61 1.30
Q2 2015 9.86 9.86 1.23
Q3 2015 8.91 8.91 1.11
Q4 2015 8.41 8.41 0.93
Q1 2016 8.70 8.70 0.86
Q2 2016 8.00 8.00 0.76
Q3 2016 7.29 7.29 0.58
Q4 2016 10.08 10.08 0.83
Q1 2017 8.18 8.18 0.74
Q2 2017 7.99 7.99 0.75
Q3 2017 8.28 8.28 0.85
Q4 2017 8.02 8.02 0.84
Q1 2018 8.23 8.23 0.90
Q2 2018 9.75 9.75 1.07
Q3 2018 10.05 10.05 1.11
Q4 2018 22.31 9.69 1.11
Q1 2019 27.50 11.14 1.16
Q2 2019 NEG 22.45 1.25
Q3 2019 NEG 19.50 0.99
Q4 2019 More than 100 More than 100 1.13
Q1 2020 More than 100 More than 100 0.89
Q2 2020 14.92 14.92 0.80
Q3 2020 18.38 18.95 0.93
Q4 2020 6.62 6.75 0.90
Q1 2021 11.92 12.15 0.93
Q2 2021 11.92 12.14 0.94
Q3 2021 12.23 12.23 0.87
Q4 2021 13.83 13.83 0.99
Q1 2022 16.00 16.00 1.30
Q2 2022 16.69 16.69 1.44

Business Segments (Million)

Compared With The
Period Retail Corporate and Institutional Banking Global markets and Treasury Brokerage and Asset Management Joint Projects Others
Q1 2013 174.07 154.75 143.85 32.71 - -
Q2 2013 154.10 171.26 169.87 23.44 - -
Q3 2013 188.69 117.81 173.46 21.46 - -
Q4 2013 161.33 161.54 146.73 21.60 - -
Q1 2014 186.89 196.13 342.87 31.42 - -
Q2 2014 218.89 198.35 98.34 35.18 - -
Q3 2014 222.61 196.14 123.01 34.37 - -
Q4 2014 294.50 237.12 84.60 30.78 - -
Q1 2015 221.00 259.25 140.23 38.90 2.14 (9.28)
Q2 2015 185.47 306.77 131.29 34.83 (6.63) (11.25)
Q3 2015 261.74 220.97 230.40 24.55 (1.83) (132.66)
Q4 2015 240.10 172.33 260.22 22.59 (4.09) (75.97)
Q1 2016 234.59 154.29 229.81 22.08 (10.90) (39.12)
Q2 2016 309.09 306.12 57.15 21.02 (13.03) (68.16)
Q3 2016 275.32 323.22 131.85 18.63 (15.62) (100.27)
Q4 2016 183.70 330.18 101.96 26.32 (15.41) (56.96)
Q1 2017 262.95 282.64 97.03 27.53 - (45.19)
Q2 2017 274.68 266.84 160.26 17.35 - (63.28)
Q3 2017 415.47 269.68 33.74 18.20 - (35.44)
Q4 2017 218.31 251.89 171.57 23.20 - 12.48
Q1 2018 256.17 286.34 172.58 26.04 - (54.81)
Q2 2018 283.77 296.45 222.21 21.98 - (153.32)
Q3 2018 293.95 217.68 125.53 17.18 - 46.25
Q4 2018 423.85 323.97 (92.49) 17.57 - (18.16)
Q1 2019 202.88 328.29 201.57 17.64 - (48.19)
Q2 2019 187.95 318.05 171.84 21.55 - (36.28)
Q3 2019 196.85 355.42 209.49 38.99 - (61.39)
Q4 2019 175.63 360.63 143.54 27.14 - 6.65
Q1 2020 208.37 325.20 223.11 29.03 - (67.98)
Q2 2020 310.69 260.25 153.19 33.87 - (44.70)
Q3 2020 220.83 279.23 322.63 45.89 - (143.66)
Q4 2020 192.40 241.06 223.07 56.03 - (22.35)
Q1 2021 197.33 197.37 247.38 64.57 - (71.57)
Q2 2021 205.80 227.19 222.04 57.76 - 7.89
Q3 2021 182.21 188.47 307.63 44.14 - (48.87)
Q4 2021 261.68 225.04 236.95 44.51 - (44.48)
Q1 2022 229.86 246.32 219.57 62.37 - (40.97)
Q2 2022 299.57 273.20 214.89 44.26 - (59.46)

Analysts Estimates (Million)

Item Q2 2022 (e) Q2 2022 (a) Change‬
Average 290.74 320.65 10.29 %

Estimates vs Actual (Million)

Item Q2 2022 (e) Q2 2022 (a) Change
Hermes 307.00 320.65 4.4 %
OSOOL AND BAKHEET 274.48 320.65 16.8 %


Financial Ratios
Current
Market Cap (M Riyal) 15,350.00
Shares Outstanding ((M)) 1,250.00
EPS ( Riyal) (TTM) 1.44
EPS Diluted ( Riyal) (TTM) 1.46
Book Value (BV) ( Riyal) 11.65
Par Value ( Riyal) 10.00
Adjusted P/E (Last12) 8.55
P/E (TTM) 8.55
Price/book 1.05
Return on Average Assets (%) (TTM) 1.4
Return on Average Equity (%) (TTM) 12.5
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Share Price

Saudi Investment Bank
12.28
(0.08) (0.65 %)

Saudi Investment Bank (SAIB)

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