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Media and Entertainment
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The Saudi Investment Bank (SAIB) reported a net profit of SAR 1.76 billion in 2023, a 17% rise from SAR 1.50 billion a year earlier.
Financials (M)
Item | 2022 | 2023 | Change |
---|---|---|---|
Net Special Commission Income | 2,844.88 | 3,417.22 | 20.1 % |
Operating Income | 3,277.89 | 3,966.58 | 21.0 % |
Total Provisions | (191.57) | (358.66) | (87.2 %) |
Net Income | 1,507.86 | 1,761.61 | 16.8 % |
Average Shares | 1,250.00 | 1,250.00 | - |
EPS (Riyals) | 1.21 | 1.41 | 16.8 % |
EPS Diluted (Riyals) | 1.09 | 1.28 | 16.8 % |
Total operating income grew by 21% year-on-year (YoY) as net special commission income rose due to an increase in net financing and investment commission income by 20% YoY. In addition, the bank noted higher fair value through profit and loss.
gains on disposals of FVOCI debt securities, exchange income, and fee income from banking services.
However, total operating expenses rose by 23% YoY on higher provisions for credit and other losses, as well as a rise in other general and administrative expenses, depreciation and amortization, rent and premises related expenses, and salaries and employee-related expenses.
Current Quarter Comparison (M)
Item | Q4 2022 | Q4 2023 | Change |
---|---|---|---|
Net Special Commission Income | 825.62 | 814.80 | (1.3 %) |
Operating Income | 930.08 | 1,002.58 | 7.8 % |
Debt Provisions | (249.22) | (110.32) | 55.7 % |
Net Income | 350.22 | 447.27 | 27.7 % |
Average Shares | 1,250.00 | 1,250.00 | - |
EPS (Riyals) | 0.28 | 0.36 | 27.7 % |
EPS Diluted (Riyal) | 0.21 | 0.30 | 41.8 % |
Item | Q3 2023 | Q4 2023 | Change |
---|---|---|---|
Net Special Commission Income | 889.74 | 814.80 | (8.4 %) |
Operating Income | 1,007.62 | 1,002.58 | (0.5 %) |
Debt Provisions | (87.43) | (110.32) | (26.2 %) |
Net Income | 461.64 | 447.27 | (3.1 %) |
Average Shares | 1,250.00 | 1,250.00 | - |
EPS (Riyals) | 0.37 | 0.36 | (3.1 %) |
EPS Diluted (Riyal) | 0.36 | 0.30 | (14.6 %) |
Balance Sheet (B)
Item | 2022 | 2023 | Change |
---|---|---|---|
Assets | 109.07 | 129.98 | 19.2 % |
Customer Deposits | 69.58 | 83.23 | 19.6 % |
Loan | 68.88 | 80.75 | 17.2 % |
In Q4 2023, net profit was 28% higher at SAR 447.3 million, compared with SAR 350.2 million a year earlier.
Sequentially, SAIB’s Q3 net profit fell 3.1% from SAR 461.64 million.
Shareholders’ equity, no minority interest and after excluding sukuk, increased to SAR 14.52 billion as of Dec. 31, 2023, from SAR 13.57 billion in the year-earlier period.
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- TASI
-
Energy
- 2222 - SAUDI ARAMCO
- 2030 - SARCO
- 2380 - PETRO RABIGH
- 4030 - BAHRI
- 4200 - ALDREES
- 2381 - ARABIAN DRILLING
- 2382 - ADES
- 1201 - TAKWEEN
- 1202 - MEPCO
- 1210 - BCI
- 1211 - MAADEN
- 1301 - ASLAK
- 1304 - ALYAMAMAH STEEL
- 1320 - SSP
- 2001 - CHEMANOL
- 2010 - SABIC
- 2020 - SABIC AGRI-NUTRIENTS
- 2090 - NGC
- 2150 - ZOUJAJ
- 2170 - ALUJAIN
- 2180 - FIPCO
- 2200 - APC
- 2210 - NAMA CHEMICALS
- 2220 - MAADANIYAH
- 2240 - ZAMIL INDUST
- 2250 - SIIG
- 2290 - YANSAB
- 2300 - SPM
- 2310 - SIPCHEM
- 2330 - ADVANCED
- 2350 - SAUDI KAYAN
- 3002 - NAJRAN CEMENT
- 3003 - CITY CEMENT
- 3004 - NORTHERN CEMENT
- 3005 - UACC
- 3010 - ACC
- 3020 - YC
- 3030 - SAUDI CEMENT
- 3040 - QACCO
- 3050 - SPCC
- 3060 - YCC
- 3080 - EPCCO
- 3090 - TCC
- 3091 - JOUF CEMENT
- 3092 - RIYADH CEMENT
- 2060 - TASNEE
- 3008 - ALKATHIRI
- 3007 - OASIS
- 1321 - EAST PIPES
- 1322 - AMAK
- 2223 - LUBEREF
- 2360 - SVCP
- 1212 - ASTRA INDUSTRIAL
- 1302 - BAWAN
- 1303 - EIC
- 2040 - SAUDI CERAMICS
- 2110 - SAUDI CABLE
- 2160 - AMIANTIT
- 2320 - ALBABTAIN
- 2370 - MESC
- 4140 - SIECO
- 4141 - ALOMRAN
- 4142 - RIYADH CABLES
- 1214 - SHAKER
- 4110 - BATIC
- 4143 - TALCO
- 4031 - SGS
- 4040 - SAPTCO
- 4260 - BUDGET SAUDI
- 2190 - SISCO HOLDING
- 4261 - THEEB
- 4263 - SAL
- 4262 - LUMI
- 1810 - SEERA
- 6013 - DWF
- 1820 - 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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- 4008 - SACO
- 4050 - SASCO
- 4190 - JARIR
- 4240 - CENOMI RETAIL
- 4191 - ABO MOATI
- 4051 - BAAZEEM
- 4192 - ALSAIF GALLERY
- 4001 - A.OTHAIM MARKET
- 4006 - FARM SUPERSTORES
- 4061 - ANAAM HOLDING
- 4160 - THIMAR
- 4161 - BINDAWOOD
- 4162 - ALMUNAJEM
- 4164 - NAHDI
- 4163 - ALDAWAA
- 2050 - SAVOLA GROUP
- 2100 - WAFRAH
- 2270 - SADAFCO
- 2280 - ALMARAI
- 6001 - HB
- 6010 - NADEC
- 6020 - GACO
- 6040 - TADCO
- 6050 - SFICO
- 6060 - SHARQIYAH DEV
- 6070 - ALJOUF
- 6090 - JAZADCO
- 2281 - TANMIAH
- 2282 - NAQI
- 2283 - FIRST MILLS
- 4080 - SINAD HOLDING
- 2284 - MODERN MILLS
- 2285 - ARABIAN MILLS
- 2286 - FOURTH MILLING
- 4002 - MOUWASAT
- 4004 - DALLAH HEALTH
- 4005 - CARE
- 4007 - ALHAMMADI
- 4009 - SAUDI GERMAN HEALTH
- 2230 - CHEMICAL
- 4013 - SULAIMAN ALHABIB
- 2140 - AYYAN
- 4014 - EQUIPMENT HOUSE
- 4017 - FAKEEH CARE
- 1010 - RIBL
- 1020 - BJAZ
- 1030 - SAIB
- 1050 - BSF
- 1060 - SAB
- 1080 - ANB
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- 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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- 8190 - UCA
- 8230 - ALRAJHI TAKAFUL
- 8280 - LIVA
- 8150 - ACIG
- 8210 - BUPA ARABIA
- 8270 - BURUJ
- 8180 - ALSAGR INSURANCE
- 8170 - ALETIHAD
- 8100 - SAICO
- 8120 - GULF UNION ALAHLIA
- 8200 - SAUDI RE
- 8160 - AICC
- 8250 - GIG
- 8240 - CHUBB
- 8260 - GULF GENERAL
- 8300 - WATANIYA
- 8310 - AMANA INSURANCE
- 8311 - ENAYA
- 8313 - RASAN
- 4330 - RIYAD REIT
- 4331 - ALJAZIRA REIT
- 4332 - JADWA REIT ALHARAMAIN
- 4333 - TALEEM REIT
- 4334 - AL MAATHER REIT
- 4335 - MUSHARAKA REIT
- 4336 - MULKIA REIT
- 4338 - ALAHLI REIT 1
- 4337 - SICO SAUDI REIT
- 4342 - JADWA REIT SAUDI
- 4340 - Al RAJHI REIT
- 4339 - DERAYAH REIT
- 4344 - SEDCO CAPITAL REIT
- 4347 - BONYAN REIT
- 4345 - ALINMA RETAIL REIT
- 4346 - MEFIC REIT
- 4348 - ALKHABEER REIT
- 4349 - ALINMA HOSPITALITY REIT
- 4350 - ALISTITHMAR REIT
- 4324 - BANAN
- 4020 - ALAKARIA
- 4323 - SUMOU
- 4090 - TAIBA
- 4100 - MCDC
- 4150 - ARDCO
- 4220 - EMAAR EC
- 4230 - RED SEA
- 4250 - JABAL OMAR
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- 4320 - ALANDALUS
- 4321 - CENOMI CENTERS
- 4322 - RETAL
- NOMU
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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
- 9552 - SAUDI TOP
- 9563 - BENA
- 9566 - LIME INDUSTRIES
- 9580 - ALRASHID INDUSTRIAL
- 9583 - UNITED MINING
- 9576 - PAPER HOME
- 9588 - RIYADH STEEL
- 9575 - MARBLE DESIGN
- 9599 - TAQAT
- 9601 - ALRASHEED
- 9605 - NEFT ALSHARQ
- 9607 - ASG
- 9609 - NAAS PETROL
- 9510 - NBM
- 9528 - GAS
- 9531 - OBEIKAN GLASS
- 9533 - SPC
- 9529 - RAOOM
- 9525 - ALWASAIL INDUSTRIAL
- 9542 - KEIR
- 9547 - RAWASI
- 9568 - MAYAR
- 9569 - ALMUNEEF
- 9578 - ATLAS ELEVATORS
- 9560 - WAJA
- 9611 - UFG
- 9540 - TADWEEER
- 9545 - ALDAWLIAH
- 9570 - TAM DEVELOPMENT
- 9581 - CLEAN LIFE
- 9593 - PAN GULF
- 9597 - LEAF
- 9608 - ALASHGHAL ALMOYSRA
- 9606 - THARWAH
- 9613 - SHALFA
- 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 Investment Bank (SAIB)
Current | |
Market Cap (M Riyal) | 17,575.00 |
Shares Outstanding ((M)) | 1,250.00 |
EPS ( Riyal) (TTM) | 1.52 |
EPS Diluted ( Riyal) (TTM) | 1.39 |
Book Value (BV) ( Riyal) | 12.27 |
Par Value ( Riyal) | 10.00 |
Adjusted P/E (Last12) | 9.28 |
P/E (TTM) | 9.28 |
Price/book | 1.15 |
Return on Average Assets (%) (TTM) | 1.3 |
Return on Average Equity (%) (TTM) | 13.0 |
Financial results (Million)
Financial results (Million)
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
Q1 2014 | 354.68 | 4.4 % | 533.35 | 5.5 % | (141.00) | (370.0 %) |
Q2 2014 | 371.05 | 8.0 % | 550.75 | 6.2 % | (21.00) | 30.0 % |
Q3 2014 | 389.06 | 12.2 % | 576.12 | 14.9 % | (14.00) | 53.3 % |
Q4 2014 | 424.77 | 26.7 % | 647.00 | 31.7 % | (45.30) | (202.0 %) |
2014 | 1,539.56 | 12.8 % | 2,307.23 | 14.4 % | (221.30) | (110.8 %) |
Q1 2015 | 430.57 | 21.4 % | 652.24 | 22.3 % | (23.00) | 83.7 % |
Q2 2015 | 430.97 | 16.1 % | 640.48 | 16.3 % | (46.00) | (119.0 %) |
Q3 2015 | 441.57 | 13.5 % | 603.17 | 4.7 % | (22.00) | (57.1 %) |
Q4 2015 | 428.08 | 0.8 % | 615.17 | (4.9 %) | (27.00) | 40.4 % |
2015 | 1,731.19 | 12.4 % | 2,511.06 | 8.8 % | (118.00) | 46.7 % |
Q1 2016 | 412.80 | (4.1 %) | 590.74 | (9.4 %) | (118.00) | (413.0 %) |
Q2 2016 | 420.70 | (2.4 %) | 612.19 | (4.4 %) | (58.00) | (26.1 %) |
Q3 2016 | 460.66 | 4.3 % | 633.14 | 5.0 % | (30.00) | (36.4 %) |
Q4 2016 | 377.90 | (11.7 %) | 569.79 | (7.4 %) | (40.00) | (48.1 %) |
2016 | 1,672.06 | (3.4 %) | 2,405.87 | (4.2 %) | (246.00) | (108.5 %) |
Q1 2017 | 463.02 | 12.2 % | 624.96 | 5.8 % | (45.00) | 61.9 % |
Q2 2017 | 486.44 | 15.6 % | 655.84 | 7.1 % | (74.00) | (27.6 %) |
Q3 2017 | 508.96 | 10.5 % | 701.64 | 10.8 % | (63.00) | (110.0 %) |
Q4 2017 | 583.65 | 54.4 % | 677.44 | 18.9 % | (31.00) | 22.5 % |
2017 | 2,042.06 | 22.1 % | 2,659.88 | 10.6 % | (213.00) | 13.4 % |
Q1 2018 | 564.16 | 21.8 % | 686.32 | 9.8 % | (88.55) | (96.8 %) |
Q2 2018 | 573.40 | 17.9 % | 671.08 | 2.3 % | (64.21) | 13.2 % |
Q3 2018 | 596.51 | 17.2 % | 700.59 | (0.1 %) | (90.43) | (43.5 %) |
Q4 2018 | 553.66 | (5.1 %) | 654.73 | (3.4 %) | (3.79) | 87.8 % |
2018 | 2,287.72 | 12.0 % | 2,712.73 | 2.0 % | (246.97) | (15.9 %) |
Q1 2019 | 581.08 | 3.0 % | 702.19 | 2.3 % | (77.22) | 12.8 % |
Q2 2019 | 560.00 | (2.3 %) | 663.10 | (1.2 %) | (751.00) | (1,069.6 %) |
Q3 2019 | 566.13 | (5.1 %) | 739.35 | 5.5 % | (66.15) | 26.9 % |
Q4 2019 | 570.69 | 3.1 % | 713.59 | 9.0 % | (448.28) | (11,724.7 %) |
2019 | 2,277.89 | (0.4 %) | 2,818.23 | 3.9 % | (1,342.64) | (443.6 %) |
Q1 2020 | 582.71 | 0.3 % | 717.72 | 2.2 % | (224.98) | (191.3 %) |
Q2 2020 | 609.21 | 8.8 % | 713.29 | 7.6 % | (98.70) | 86.9 % |
Q3 2020 | 575.46 | 1.6 % | 724.92 | (2.0 %) | (57.30) | 13.4 % |
Q4 2020 | 554.27 | (2.9 %) | 690.20 | (3.3 %) | (68.45) | 84.7 % |
2020 | 2,321.65 | 1.9 % | 2,846.13 | 1.0 % | (449.41) | 66.5 % |
Q1 2021 | 542.96 | (6.8 %) | 635.08 | (11.5 %) | (64.84) | 71.2 % |
Q2 2021 | 584.55 | (4.0 %) | 716.68 | 0.5 % | (109.73) | (11.2 %) |
Q3 2021 | 595.05 | 3.4 % | 680.24 | (6.2 %) | (51.03) | 10.9 % |
Q4 2021 | 627.98 | 13.3 % | 723.70 | 4.9 % | (45.46) | 33.6 % |
2021 | 2,352.40 | 1.3 % | 2,753.05 | (3.3 %) | (271.07) | 39.7 % |
Q1 2022 | 589.16 | 8.5 % | 717.14 | 12.9 % | (37.76) | 41.8 % |
Q2 2022 | 672.21 | 15.0 % | 772.46 | 7.8 % | (53.61) | 51.1 % |
Q3 2022 | 757.88 | 27.4 % | 858.21 | 26.2 % | 149.02 | 392.0 % |
Q4 2022 | 825.62 | 31.5 % | 930.08 | 28.5 % | (249.22) | (448.2 %) |
2022 | 2,844.88 | 20.9 % | 3,277.89 | 19.1 % | (191.57) | 29.3 % |
Q1 2023 | 845.01 | 43.4 % | 962.93 | 34.3 % | (81.35) | (115.4 %) |
Q2 2023 | 867.69 | 29.1 % | 993.48 | 28.6 % | (79.56) | (48.4 %) |
Q3 2023 | 889.74 | 17.4 % | 1,007.62 | 17.4 % | (87.43) | (158.7 %) |
Q4 2023 | 814.80 | (1.3 %) | 1,002.58 | 7.8 % | (110.32) | 55.7 % |
2023 | 3,417.22 | 20.1 % | 3,966.58 | 21.0 % | (358.66) | (87.2 %) |
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
2014 | 1,539.56 | 12.8 % | 2,307.23 | 14.4 % | (221.30) | (110.8 %) |
2015 | 1,731.19 | 12.4 % | 2,511.06 | 8.8 % | (118.00) | 46.7 % |
2016 | 1,672.06 | (3.4 %) | 2,405.87 | (4.2 %) | (246.00) | (108.5 %) |
2017 | 2,042.06 | 22.1 % | 2,659.88 | 10.6 % | (213.00) | 13.4 % |
2018 | 2,287.72 | 12.0 % | 2,712.73 | 2.0 % | (246.97) | (15.9 %) |
2019 | 2,277.89 | (0.4 %) | 2,818.23 | 3.9 % | (1,342.64) | (443.6 %) |
2020 | 2,321.65 | 1.9 % | 2,846.13 | 1.0 % | (449.41) | 66.5 % |
2021 | 2,352.40 | 1.3 % | 2,753.05 | (3.3 %) | (271.07) | 39.7 % |
2022 | 2,844.88 | 20.9 % | 3,277.89 | 19.1 % | (191.57) | 29.3 % |
2023 | 3,417.22 | 20.1 % | 3,966.58 | 21.0 % | (358.66) | (87.2 %) |
Profit Performance (Million)
Profit Performance (Million)
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
Q1 2014 | 337.47 | 7.4 % | 0.27 | 223.95 | 113.52 | 0.09 |
Q2 2014 | 352.96 | 10.2 % | 0.28 | - | 352.96 | 0.28 |
Q3 2014 | 371.17 | 14.1 % | 0.30 | - | 371.17 | 0.30 |
Q4 2014 | 374.87 | 14.7 % | 0.30 | 0.00 | 374.87 | 0.30 |
2014 | 1,436.48 | 11.6 % | 1.15 | 223.95 | 1,212.53 | 0.97 |
Q1 2015 | 366.70 | 8.7 % | 0.29 | - | 366.70 | 0.29 |
Q2 2015 | 382.57 | 8.4 % | 0.31 | - | 382.57 | 0.31 |
Q3 2015 | 351.43 | (5.3 %) | 0.28 | - | 351.43 | 0.28 |
Q4 2015 | 227.96 | (39.2 %) | 0.18 | - | 227.96 | 0.18 |
2015 | 1,328.66 | (7.5 %) | 1.06 | - | 1,328.66 | 1.06 |
Q1 2016 | 210.00 | (42.7 %) | 0.17 | - | 210.00 | 0.17 |
Q2 2016 | 321.37 | (16.0 %) | 0.26 | - | 321.37 | 0.26 |
Q3 2016 | 219.43 | (37.6 %) | 0.18 | - | 219.43 | 0.18 |
Q4 2016 | 302.17 | 32.6 % | 0.24 | - | 302.17 | 0.24 |
2016 | 1,052.96 | (20.8 %) | 0.84 | - | 1,052.96 | 0.84 |
Q1 2017 | 344.94 | 64.3 % | 0.28 | - | 344.94 | 0.28 |
Q2 2017 | 355.65 | 10.7 % | 0.28 | - | 355.65 | 0.28 |
Q3 2017 | 358.35 | 63.3 % | 0.29 | - | 358.35 | 0.29 |
Q4 2017 | 351.86 | 16.4 % | 0.28 | - | 351.86 | 0.28 |
2017 | 1,410.80 | 34.0 % | 1.13 | - | 1,410.80 | 1.13 |
Q1 2018 | 346.01 | 0.3 % | 0.28 | - | 346.01 | 0.28 |
Q2 2018 | 336.78 | (5.3 %) | 0.27 | - | 336.78 | 0.27 |
Q3 2018 | 345.73 | (3.5 %) | 0.28 | - | 345.73 | 0.28 |
Q4 2018 | (452.62) | (228.6 %) | (0.36) | (750.51) | 297.89 | 0.24 |
2018 | 575.90 | (59.2 %) | 0.46 | (750.51) | 1,326.40 | 1.06 |
Q1 2019 | 281.45 | (18.7 %) | 0.23 | - | 281.45 | 0.23 |
Q2 2019 | (284.74) | (184.5 %) | (0.23) | - | (284.74) | (0.23) |
Q3 2019 | 311.93 | (9.8 %) | 0.25 | - | 311.93 | 0.25 |
Q4 2019 | (69.18) | 84.7 % | (0.06) | - | (69.18) | (0.06) |
2019 | 239.46 | (58.4 %) | 0.19 | - | 239.46 | 0.19 |
Q1 2020 | 150.71 | (46.5 %) | 0.12 | - | 150.71 | 0.12 |
Q2 2020 | 262.26 | 192.1 % | 0.21 | - | 262.26 | 0.21 |
Q3 2020 | 301.37 | (3.4 %) | 0.24 | 19.40 | 281.97 | 0.23 |
Q4 2020 | 265.21 | 483.4 % | 0.21 | - | 265.21 | 0.21 |
2020 | 979.56 | 309.1 % | 0.78 | 19.40 | 960.16 | 0.77 |
Q1 2021 | 213.50 | 41.7 % | 0.17 | - | 213.50 | 0.17 |
Q2 2021 | 287.77 | 9.7 % | 0.23 | - | 287.77 | 0.23 |
Q3 2021 | 274.35 | (9.0 %) | 0.22 | - | 274.35 | 0.22 |
Q4 2021 | 286.05 | 7.9 % | 0.23 | - | 286.05 | 0.23 |
2021 | 1,061.66 | 8.4 % | 0.85 | - | 1,061.66 | 0.85 |
Q1 2022 | 287.02 | 34.4 % | 0.23 | - | 287.02 | 0.23 |
Q2 2022 | 320.65 | 11.4 % | 0.26 | - | 320.65 | 0.26 |
Q3 2022 | 549.97 | 100.5 % | 0.44 | - | 549.97 | 0.44 |
Q4 2022 | 350.22 | 22.4 % | 0.28 | - | 350.22 | 0.28 |
2022 | 1,507.86 | 42.0 % | 1.21 | - | 1,507.86 | 1.21 |
Q1 2023 | 408.91 | 42.5 % | 0.33 | - | 408.91 | 0.33 |
Q2 2023 | 443.79 | 38.4 % | 0.36 | - | 443.79 | 0.36 |
Q3 2023 | 461.64 | (16.1 %) | 0.37 | - | 461.64 | 0.37 |
Q4 2023 | 447.27 | 27.7 % | 0.36 | - | 447.27 | 0.36 |
2023 | 1,761.61 | 16.8 % | 1.41 | - | 1,761.61 | 1.41 |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
2014 | 1,436.48 | 11.6 % | 1.15 | 223.95 | 1,212.53 | 0.97 |
2015 | 1,328.66 | (7.5 %) | 1.06 | - | 1,328.66 | 1.06 |
2016 | 1,052.96 | (20.8 %) | 0.84 | - | 1,052.96 | 0.84 |
2017 | 1,410.80 | 34.0 % | 1.13 | - | 1,410.80 | 1.13 |
2018 | 575.90 | (59.2 %) | 0.46 | (750.51) | 1,326.40 | 1.06 |
2019 | 239.46 | (58.4 %) | 0.19 | - | 239.46 | 0.19 |
2020 | 979.56 | 309.1 % | 0.78 | 19.40 | 960.16 | 0.77 |
2021 | 1,061.66 | 8.4 % | 0.85 | - | 1,061.66 | 0.85 |
2022 | 1,507.86 | 42.0 % | 1.21 | - | 1,507.86 | 1.21 |
2023 | 1,761.61 | 16.8 % | 1.41 | - | 1,761.61 | 1.41 |
Balance Sheet (B)
Balance Sheet Performance (B)
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
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 % |
Q3 2022 | 106.54 | 6.9 % | 67.60 | 11.0 % | 64.67 | 10.9 % |
Q4 2022 | 109.07 | 7.3 % | 69.58 | 13.2 % | 68.88 | 19.2 % |
Q1 2023 | 121.90 | 11.6 % | 79.22 | 15.9 % | 73.63 | 22.8 % |
Q2 2023 | 123.59 | 11.5 % | 82.66 | 22.5 % | 77.30 | 24.2 % |
Q3 2023 | 129.83 | 21.9 % | 85.45 | 26.4 % | 80.20 | 24.0 % |
Q4 2023 | 129.98 | 19.2 % | 83.23 | 19.6 % | 80.75 | 17.2 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
3m 2014 | 82.86 | 31.3 % | 62.14 | 41.1 % | 52.24 | 41.2 % |
6m 2014 | 88.06 | 32.1 % | 67.73 | 39.5 % | 54.77 | 35.5 % |
9m 2014 | 90.55 | 27.9 % | 69.68 | 34.4 % | 57.56 | 34.7 % |
12m 2014 | 93.63 | 16.3 % | 70.73 | 24.0 % | 57.47 | 20.8 % |
3m 2015 | 91.06 | 9.9 % | 69.63 | 12.0 % | 57.32 | 9.7 % |
6m 2015 | 92.51 | 5.1 % | 70.48 | 4.1 % | 57.17 | 4.4 % |
9m 2015 | 90.27 | (0.3 %) | 66.82 | (4.1 %) | 58.08 | 0.9 % |
12m 2015 | 93.58 | (0.1 %) | 70.52 | (0.3 %) | 60.27 | 4.9 % |
3m 2016 | 96.39 | 5.9 % | 70.69 | 1.5 % | 61.62 | 7.5 % |
6m 2016 | 95.95 | 3.7 % | 68.09 | (3.4 %) | 61.25 | 7.1 % |
9m 2016 | 96.18 | 6.5 % | 66.45 | (0.6 %) | 61.29 | 5.5 % |
12m 2016 | 93.05 | (0.6 %) | 65.64 | (6.9 %) | 60.25 | 0.0 % |
3m 2017 | 95.18 | (1.3 %) | 64.44 | (8.8 %) | 60.29 | (2.2 %) |
6m 2017 | 96.88 | 1.0 % | 66.56 | (2.2 %) | 61.63 | 0.6 % |
9m 2017 | 98.33 | 2.2 % | 71.06 | 6.9 % | 61.07 | (0.4 %) |
12m 2017 | 93.80 | 0.8 % | 66.94 | 2.0 % | 59.59 | (1.1 %) |
3m 2018 | 91.53 | (3.8 %) | 61.03 | (5.3 %) | 57.90 | (4.0 %) |
6m 2018 | 101.95 | 5.2 % | 71.30 | 7.1 % | 59.33 | (3.7 %) |
9m 2018 | 95.45 | (2.9 %) | 64.02 | (9.9 %) | 59.54 | (2.5 %) |
12m 2018 | 96.07 | 2.4 % | 63.69 | (4.9 %) | 59.41 | (0.3 %) |
3m 2019 | 94.83 | 3.6 % | 63.82 | 4.6 % | 58.18 | 0.5 % |
6m 2019 | 97.96 | (3.9 %) | 66.84 | (6.3 %) | 56.93 | (4.1 %) |
9m 2019 | 96.30 | 0.9 % | 64.96 | 1.5 % | 57.63 | (3.2 %) |
12m 2019 | 100.81 | 4.9 % | 69.06 | 8.4 % | 57.11 | (3.9 %) |
3m 2020 | 100.80 | 6.3 % | 67.64 | 6.0 % | 59.88 | 2.9 % |
6m 2020 | 104.62 | 6.8 % | 64.24 | (3.9 %) | 58.60 | 2.9 % |
9m 2020 | 98.34 | 2.1 % | 59.84 | (7.9 %) | 57.72 | 0.2 % |
12m 2020 | 99.88 | (0.9 %) | 60.14 | (12.9 %) | 55.07 | (3.6 %) |
3m 2021 | 96.27 | (4.5 %) | 56.12 | (17.0 %) | 55.42 | (7.4 %) |
6m 2021 | 98.41 | (5.9 %) | 59.81 | (6.9 %) | 56.30 | (3.9 %) |
9m 2021 | 99.64 | 1.3 % | 60.89 | 1.8 % | 58.29 | 1.0 % |
12m 2021 | 101.62 | 1.7 % | 61.48 | 2.2 % | 57.80 | 4.9 % |
3m 2022 | 109.26 | 13.5 % | 68.35 | 21.8 % | 59.94 | 8.1 % |
6m 2022 | 110.80 | 12.6 % | 67.46 | 12.8 % | 62.26 | 10.6 % |
9m 2022 | 106.54 | 6.9 % | 67.60 | 11.0 % | 64.67 | 10.9 % |
12m 2022 | 109.07 | 7.3 % | 69.58 | 13.2 % | 68.88 | 19.2 % |
3m 2023 | 121.90 | 11.6 % | 79.22 | 15.9 % | 73.63 | 22.8 % |
6m 2023 | 123.59 | 11.5 % | 82.66 | 22.5 % | 77.30 | 24.2 % |
9m 2023 | 129.83 | 21.9 % | 85.45 | 26.4 % | 80.20 | 24.0 % |
12m 2023 | 129.98 | 19.2 % | 83.23 | 19.6 % | 80.75 | 17.2 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
2014 | 93.63 | 16.3 % | 70.73 | 24.0 % | 57.47 | 20.8 % |
2015 | 93.58 | (0.1 %) | 70.52 | (0.3 %) | 60.27 | 4.9 % |
2016 | 93.05 | (0.6 %) | 65.64 | (6.9 %) | 60.25 | 0.0 % |
2017 | 93.80 | 0.8 % | 66.94 | 2.0 % | 59.59 | (1.1 %) |
2018 | 96.07 | 2.4 % | 63.69 | (4.9 %) | 59.41 | (0.3 %) |
2019 | 100.81 | 4.9 % | 69.06 | 8.4 % | 57.11 | (3.9 %) |
2020 | 99.88 | (0.9 %) | 60.14 | (12.9 %) | 55.07 | (3.6 %) |
2021 | 101.62 | 1.7 % | 61.48 | 2.2 % | 57.80 | 4.9 % |
2022 | 109.07 | 7.3 % | 69.58 | 13.2 % | 68.88 | 19.2 % |
2023 | 129.98 | 19.2 % | 83.23 | 19.6 % | 80.75 | 17.2 % |
Profitability
Profitability
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
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 % |
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 % |
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 % |
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 % |
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 % |
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 % |
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 % |
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 % |
2021 | 1.05 % | 7.55 % | 85.45 % |
Q1 2022 | 1.10 % | 8.29 % | 84.46 % |
Q2 2022 | 1.12 % | 8.64 % | 85.86 % |
Q3 2022 | 1.40 % | 10.32 % | 86.19 % |
Q4 2022 | 1.43 % | 10.63 % | 86.79 % |
2022 | 1.43 % | 10.63 % | 86.79 % |
Q1 2023 | 1.41 % | 11.61 % | 88.00 % |
Q2 2023 | 1.50 % | 12.75 % | 88.02 % |
Q3 2023 | 1.41 % | 12.28 % | 88.03 % |
Q4 2023 | 1.47 % | 12.54 % | 86.15 % |
2023 | 1.47 % | 12.54 % | 86.15 % |
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
2014 | 1.65 % | 13.00 % | 66.73 % |
2015 | 1.42 % | 11.12 % | 68.94 % |
2016 | 1.13 % | 8.47 % | 69.50 % |
2017 | 1.51 % | 10.72 % | 76.77 % |
2018 | 0.61 % | 4.59 % | 84.33 % |
2019 | 0.24 % | 2.03 % | 80.83 % |
2020 | 0.98 % | 7.73 % | 81.57 % |
2021 | 1.05 % | 7.55 % | 85.45 % |
2022 | 1.43 % | 10.63 % | 86.79 % |
2023 | 1.47 % | 12.54 % | 86.15 % |
Ratios
Ratios
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
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 % |
Q3 2022 | 63.46 % | 60.70 % | 95.65 % |
Q4 2022 | 63.79 % | 63.15 % | 99.00 % |
Q1 2023 | 64.98 % | 60.40 % | 92.95 % |
Q2 2023 | 66.88 % | 62.55 % | 93.52 % |
Q3 2023 | 65.82 % | 61.78 % | 93.85 % |
Q4 2023 | 64.03 % | 62.12 % | 97.02 % |
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
2014 | 75.55 % | 61.38 % | 81.25 % |
2015 | 75.36 % | 64.40 % | 85.47 % |
2016 | 70.55 % | 64.75 % | 91.79 % |
2017 | 71.37 % | 63.53 % | 89.01 % |
2018 | 66.30 % | 61.84 % | 93.28 % |
2019 | 68.50 % | 56.65 % | 82.70 % |
2020 | 60.21 % | 55.14 % | 91.57 % |
2021 | 60.51 % | 56.88 % | 94.00 % |
2022 | 63.79 % | 63.15 % | 99.00 % |
2023 | 64.03 % | 62.12 % | 97.02 % |
Per Share Data (Riyal)
Per Share Data (Riyal)
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
Q1 2014 | 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 |
Q3 2022 | 1,250.00 | 1.15 | 1.15 | - | 10.63 |
Q4 2022 | 1,250.00 | 1.21 | 1.21 | 1.09 | 10.86 |
Q1 2023 | 1,250.00 | 1.30 | 1.30 | 1.19 | 11.25 |
Q2 2023 | 1,250.00 | 1.40 | 1.40 | 1.26 | 11.18 |
Q3 2023 | 1,250.00 | 1.33 | 1.33 | 1.19 | 11.06 |
Q4 2023 | 1,250.00 | 1.41 | 1.41 | 1.28 | 11.62 |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
2014 | 1,250.00 | 1.15 | 0.97 | - | 9.48 |
2015 | 1,250.00 | 1.06 | 1.06 | - | 9.63 |
2016 | 1,250.00 | 0.84 | 0.84 | - | 10.27 |
2017 | 1,250.00 | 1.13 | 1.13 | - | 10.80 |
2018 | 1,250.00 | 0.46 | 1.06 | - | 9.30 |
2019 | 1,250.00 | 0.19 | 0.19 | - | 9.61 |
2020 | 1,250.00 | 0.78 | 0.77 | - | 10.66 |
2021 | 1,250.00 | 0.85 | 0.85 | - | 11.84 |
2022 | 1,250.00 | 1.21 | 1.21 | 1.09 | 10.86 |
2023 | 1,250.00 | 1.41 | 1.41 | 1.28 | 11.62 |
Multiple Ratios (End of Period Price)
Ratios And Multiples
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
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 | 12.26 | 12.50 | 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 |
Q3 2022 | 11.83 | 11.83 | 1.28 |
Q4 2022 | 12.70 | 12.70 | 1.28 |
Q1 2023 | 11.16 | 11.16 | 1.18 |
Q2 2023 | 10.87 | 10.87 | 1.22 |
Q3 2023 | 10.66 | 10.66 | 1.14 |
Q4 2023 | 10.01 | 10.01 | 1.10 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
2014 | 11.70 | 13.86 | 1.42 |
2015 | 8.41 | 8.41 | 0.93 |
2016 | 10.08 | 10.08 | 0.83 |
2017 | 8.02 | 8.02 | 0.84 |
2018 | 22.31 | 9.69 | 1.11 |
2019 | More than 100 | More than 100 | 1.13 |
2020 | 12.26 | 12.50 | 0.90 |
2021 | 13.83 | 13.83 | 0.99 |
2022 | 12.70 | 12.70 | 1.28 |
2023 | 10.01 | 10.01 | 1.10 |
Business Segments (Million)
Q4 2023
Revenue by Business Segment (Latest) 2023 Q4
2023
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Brokerage and Asset Management | Joint Projects | Others |
---|---|---|---|---|---|---|
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) |
Q3 2022 | 307.33 | 355.81 | 207.65 | 42.22 | - | (54.80) |
Q4 2022 | 411.95 | 397.65 | 146.68 | 37.68 | - | (63.88) |
Q1 2023 | 292.11 | 340.70 | 345.77 | 50.65 | - | (66.29) |
Q2 2023 | 530.26 | 352.95 | 109.07 | 56.44 | - | (55.24) |
Q3 2023 | 300.43 | 373.70 | 335.65 | 52.08 | - | (54.24) |
Q4 2023 | 294.94 | 374.94 | 340.59 | 43.74 | - | (41.29) |
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Brokerage and Asset Management | Joint Projects | Others |
---|---|---|---|---|---|---|
2014 | 922.89 | 827.74 | 648.82 | 131.73 | - | - |
2015 | 908.31 | 959.33 | 762.14 | 120.86 | (10.42) | (229.16) |
2016 | 1,002.71 | 1,113.80 | 520.77 | 88.05 | (54.95) | (264.51) |
2017 | 1,171.41 | 1,071.04 | 462.60 | 86.27 | - | (131.44) |
2018 | 1,257.74 | 1,124.44 | 427.82 | 82.77 | - | (180.04) |
2019 | 763.30 | 1,362.38 | 726.44 | 105.32 | - | (139.20) |
2020 | 932.28 | 1,105.73 | 922.00 | 164.81 | - | (278.69) |
2021 | 847.02 | 838.08 | 1,014.00 | 210.98 | - | (157.03) |
2022 | 1,248.71 | 1,272.98 | 788.79 | 186.53 | - | (219.11) |
2023 | 1,229.30 | 1,462.96 | 1,298.84 | 202.91 | - | (227.43) |
Analysts Estimates (Million)
Analysts Estimates (Million)
Item | Q4 2023 (e) | Q4 2023 (a) | Change |
---|---|---|---|
Average | 473.34 | 447.27 | (5.5 %) |
Estimates vs Actual (Million)
Estimates Accuracy
Item | Q4 2023 (e) | Q4 2023 (a) | Change |
---|---|---|---|
Hermes | 440.00 | 447.27 | 1.7 % |
OSOOL AND BAKHEET | 506.67 | 447.27 | (11.7) % |
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