SAIB profit rises 8% to SAR 442.4M in Q1 2024

05/05/2024 Argaam Exclusive

The Saudi Investment Bank (SAIB) posted an 8% rise in Q1 2024 net profit to SAR 442.4 million, compared to SAR 408.9 million in the prior-year period. 



Current Quarter Comparison (Million Riyal)

Compared With The
Item Q1 2023 Q1 2024 Change‬
Net Special Commission Income 845.01 850.48 0.6 %
Operating Income 962.93 995.13 3.3 %
Debt Provisions (81.35) (81.46) (0.1 %)
Net Income 408.91 442.42 8.2 %
Average Shares 1,500.00 1,500.00 -
Earnings Per Share before unusual items (Riyal) 0.27 0.29 8.2 %
EPS (Riyal) 0.27 0.29 8.2 %
EPS Diluted (Riyal) 0.26 0.28 8.8 %

The profit rise was fueled by a 0.1% rise in net special commission income, primarily due to an increase in gross financing and investment returns.

 

The lender also posted higher gross operating income and an increase in fair value through statement of income, fee income from banking services, and net special commission income. However, this was offset by a decrease in gains on disposals of fair value through other comprehensive income (FVOCI) debt securities and exchange income.

 

Total operating expenses increased by 0.8%, primarily due to an increase in other general and administrative expenses, depreciation and amortization, salaries employee-related expenses, provisions for credit, and other losses, which were offset by a decrease in rent and premises related expenses.

 

In addition, net impairment charges for financing and other financial assets slightly increased by 0.9%.



Balance Sheet (Billion Riyal)

Item 3m 2023 3m 2024 Change‬
Assets 121.90 136.41 11.9 %
Customer Deposits 79.22 88.43 11.6 %
Loan 73.63 84.62 14.9 %

Compared to Q4 2023, the bank’s net profit fell 1.1% from SAR 447.27 million, mainly due to lower gross operating income and higher Zakat provision.

 

Shareholders’ equity, no minority interest – after deducting Zakat, reached SAR 14.56 billion as of March 31, 2024, up from SAR 14.06 billion a year earlier.

 

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Share Price

Saudi Investment Bank
11.57
0.01 0.09 %

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Financial Ratios
Current
Market Cap (M Riyal) 17,355.00
Shares Outstanding ((M)) 1,500.00
Recurring EPS ( Riyal) (TTM) 1.28
EPS Diluted ( Riyal) (TTM) 1.36
Book Value (BV) ( Riyal) 11.61
Par Value ( Riyal) 10.00
Recurring P/E (TTM) 9.04
P/E (TTM) 7.07
Price/book 1.00
Dividend Yield (%) (Last Year) 5.03
Return on Average Assets (%) (TTM) 1.3
Return on Average Equity (%) (TTM) 14.5
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Financial results (Million Riyal)

Period Net Special Commission Income Change Operating Income Change Debt Provisions Change
Q1 2003 106.02 - 158.59 - (13.00) -
Q2 2003 119.57 - 200.07 - (24.00) -
Q3 2003 137.50 - 229.27 - (32.00) -
Q4 2003 144.75 - 194.32 - (12.00) -
Q1 2004 133.93 26.3 % 198.92 25.4 % (20.00) (53.8 %)
Q2 2004 157.74 31.9 % 318.85 59.4 % (60.00) (150.0 %)
Q3 2004 139.77 1.7 % 242.33 5.7 % (25.00) 21.9 %
Q4 2004 156.39 8.0 % 253.27 30.3 % (25.00) (108.3 %)
Q1 2005 171.33 27.9 % 302.89 52.3 % (20.00) 0.0 %
Q2 2005 197.51 25.2 % 386.89 21.3 % (30.00) 50.0 %
Q3 2005 208.57 49.2 % 392.97 62.2 % (25.00) 0.0 %
Q4 2005 208.34 33.2 % 433.26 71.1 % (25.00) 0.0 %
Q1 2006 224.80 31.2 % 669.67 121.1 % (40.00) (100.0 %)
Q2 2006 247.85 25.5 % 1,007.80 160.5 % (30.00) 0.0 %
Q3 2006 274.88 31.8 % 453.93 15.5 % (10.00) 60.0 %
Q4 2006 282.95 35.8 % 424.87 (1.9 %) (16.50) 34.0 %
Q1 2007 284.28 26.5 % 425.50 (36.5 %) (15.00) 62.5 %
Q2 2007 248.71 0.3 % 347.49 (65.5 %) (5.00) 83.3 %
Q3 2007 284.90 3.6 % 491.23 8.2 % (20.00) (100.0 %)
Q4 2007 238.11 (15.8 %) 371.12 (12.6 %) (56.70) (243.6 %)
Q1 2008 255.17 (10.2 %) 482.69 13.4 % (15.00) 0.0 %
Q2 2008 350.10 40.8 % 613.37 76.5 % (5.00) 0.0 %
Q3 2008 221.60 (22.2 %) 415.22 (15.5 %) (5.00) 75.0 %
Q4 2008 199.57 (16.2 %) 426.82 15.0 % (5.00) 91.2 %
Q1 2009 241.14 (5.5 %) 317.53 (34.2 %) (5.00) 66.7 %
Q2 2009 262.76 (24.9 %) 361.28 (41.1 %) (55.00) (1,000.0 %)
Q3 2009 239.81 8.2 % 370.32 (10.8 %) (60.00) (1,100.0 %)
Q4 2009 270.72 35.6 % 468.02 9.7 % (394.57) (7,791.3 %)
Q1 2010 312.19 29.5 % 451.13 42.1 % (293.00) (5,760.0 %)
Q2 2010 328.20 24.9 % 448.57 24.2 % (245.00) (345.5 %)
Q3 2010 350.50 46.2 % 437.42 18.1 % (150.00) (150.0 %)
Q4 2010 324.07 19.7 % 412.13 (11.9 %) (50.00) 87.3 %
Q1 2011 316.22 1.3 % 414.44 (8.1 %) (50.00) 82.9 %
Q2 2011 322.45 (1.8 %) 424.81 (5.3 %) (58.00) 76.3 %
Q3 2011 300.73 (14.2 %) 394.87 (9.7 %) (115.00) 23.3 %
Q4 2011 287.06 (11.4 %) 381.76 (7.4 %) (65.00) (30.0 %)
Q1 2012 290.66 (8.1 %) 458.62 10.7 % (115.00) (130.0 %)
Q2 2012 306.47 (5.0 %) 419.40 (1.3 %) (70.00) (20.7 %)
Q3 2012 320.57 6.6 % 407.20 3.1 % (45.00) 60.9 %
Q4 2012 324.24 13.0 % 436.39 14.3 % (25.00) 61.5 %
Q1 2013 339.61 16.8 % 505.38 10.2 % (30.00) 73.9 %
Q2 2013 343.41 12.1 % 518.68 23.7 % (30.00) 57.1 %
Q3 2013 346.63 8.1 % 501.41 23.1 % (30.00) 33.3 %
Q4 2013 335.34 3.4 % 491.19 12.6 % (15.00) 40.0 %
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 %)
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 %
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 %)
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 %
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 %
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 %)
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 %
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 %
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 %)
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 814.77 (1.3 %) 1,002.55 7.8 % (110.32) 55.7 %
Q1 2024 850.48 0.6 % 995.13 3.3 % (81.46) (0.1 %)


Profit Performance (Million Riyal)

Period Net Income Change EPS(Riyal) Extraordinary Income/Expense Net Profit Before Unusual Items EPS(Riyal)
Q1 2003 100.76 - 0.07 - 100.76 0.07
Q2 2003 120.99 - 0.08 - 120.99 0.08
Q3 2003 125.42 - 0.08 - 125.42 0.08
Q4 2003 116.70 - 0.08 - 116.70 0.08
Q1 2004 125.63 24.7 % 0.08 - 125.63 0.08
Q2 2004 168.25 39.1 % 0.11 - 168.25 0.11
Q3 2004 142.05 13.3 % 0.09 - 142.05 0.09
Q4 2004 151.16 29.5 % 0.10 - 151.16 0.10
Q1 2005 211.05 68.0 % 0.14 - 211.05 0.14
Q2 2005 279.39 66.1 % 0.19 - 279.39 0.19
Q3 2005 286.07 101.4 % 0.19 - 286.07 0.19
Q4 2005 287.72 90.3 % 0.19 - 287.72 0.19
Q1 2006 540.28 156.0 % 0.36 - 540.28 0.36
Q2 2006 838.29 200.0 % 0.56 - 838.29 0.56
Q3 2006 326.29 14.1 % 0.22 - 326.29 0.22
Q4 2006 301.40 4.8 % 0.20 - 301.40 0.20
Q1 2007 306.14 (43.3 %) 0.20 - 306.14 0.20
Q2 2007 225.36 (73.1 %) 0.15 - 225.36 0.15
Q3 2007 336.33 3.1 % 0.22 - 336.33 0.22
Q4 2007 (45.64) (115.1 %) (0.03) - (45.64) (0.03)
Q1 2008 258.17 (15.7 %) 0.17 - 258.17 0.17
Q2 2008 279.98 24.2 % 0.19 - 279.98 0.19
Q3 2008 65.80 (80.4 %) 0.04 - 65.80 0.04
Q4 2008 (90.72) (98.8 %) (0.06) - (90.72) (0.06)
Q1 2009 240.59 (6.8 %) 0.16 - 240.59 0.16
Q2 2009 187.83 (32.9 %) 0.13 - 187.83 0.13
Q3 2009 202.76 208.2 % 0.14 - 202.76 0.14
Q4 2009 (109.55) (20.8 %) (0.07) - (109.55) (0.07)
Q1 2010 20.88 (91.3 %) 0.01 - 20.88 0.01
Q2 2010 21.76 (88.4 %) 0.01 - 21.76 0.01
Q3 2010 148.90 (26.6 %) 0.10 - 148.90 0.10
Q4 2010 237.80 317.1 % 0.16 - 237.80 0.16
Q1 2011 207.95 896.1 % 0.14 - 207.95 0.14
Q2 2011 208.22 856.8 % 0.14 - 208.22 0.14
Q3 2011 144.02 (3.3 %) 0.10 - 144.02 0.10
Q4 2011 147.42 (38.0 %) 0.10 - 147.42 0.10
Q1 2012 212.24 2.1 % 0.14 - 212.24 0.14
Q2 2012 222.39 6.8 % 0.15 - 222.39 0.15
Q3 2012 231.80 61.0 % 0.15 - 231.80 0.15
Q4 2012 245.62 66.6 % 0.16 - 245.62 0.16
Q1 2013 314.27 48.1 % 0.21 - 314.27 0.21
Q2 2013 320.40 44.1 % 0.21 - 320.40 0.21
Q3 2013 325.39 40.4 % 0.22 - 325.39 0.22
Q4 2013 326.77 33.0 % 0.22 - 326.77 0.22
Q1 2014 337.47 7.4 % 0.22 223.95 113.52 0.08
Q2 2014 352.96 10.2 % 0.24 - 352.96 0.24
Q3 2014 371.17 14.1 % 0.25 - 371.17 0.25
Q4 2014 374.87 14.7 % 0.25 0.00 374.87 0.25
Q1 2015 366.70 8.7 % 0.24 - 366.70 0.24
Q2 2015 382.57 8.4 % 0.26 - 382.57 0.26
Q3 2015 351.43 (5.3 %) 0.23 - 351.43 0.23
Q4 2015 227.96 (39.2 %) 0.15 - 227.96 0.15
Q1 2016 210.00 (42.7 %) 0.14 - 210.00 0.14
Q2 2016 321.37 (16.0 %) 0.21 - 321.37 0.21
Q3 2016 219.43 (37.6 %) 0.15 - 219.43 0.15
Q4 2016 302.17 32.6 % 0.20 - 302.17 0.20
Q1 2017 344.94 64.3 % 0.23 - 344.94 0.23
Q2 2017 355.65 10.7 % 0.24 - 355.65 0.24
Q3 2017 358.35 63.3 % 0.24 - 358.35 0.24
Q4 2017 351.86 16.4 % 0.23 - 351.86 0.23
Q1 2018 346.01 0.3 % 0.23 - 346.01 0.23
Q2 2018 336.78 (5.3 %) 0.22 - 336.78 0.22
Q3 2018 345.73 (3.5 %) 0.23 - 345.73 0.23
Q4 2018 (452.62) (228.6 %) (0.30) (750.51) 297.89 0.20
Q1 2019 281.45 (18.7 %) 0.19 - 281.45 0.19
Q2 2019 (284.74) (184.5 %) (0.19) - (284.74) (0.19)
Q3 2019 311.93 (9.8 %) 0.21 - 311.93 0.21
Q4 2019 (69.18) 84.7 % (0.05) - (69.18) (0.05)
Q1 2020 150.71 (46.5 %) 0.10 - 150.71 0.10
Q2 2020 262.26 192.1 % 0.17 - 262.26 0.17
Q3 2020 301.37 (3.4 %) 0.20 19.40 281.97 0.19
Q4 2020 265.21 483.4 % 0.18 - 265.21 0.18
Q1 2021 213.50 41.7 % 0.14 - 213.50 0.14
Q2 2021 287.77 9.7 % 0.19 - 287.77 0.19
Q3 2021 274.35 (9.0 %) 0.18 - 274.35 0.18
Q4 2021 286.05 7.9 % 0.19 - 286.05 0.19
Q1 2022 287.02 34.4 % 0.19 - 287.02 0.19
Q2 2022 320.65 11.4 % 0.21 - 320.65 0.21
Q3 2022 549.97 100.5 % 0.37 - 549.97 0.37
Q4 2022 350.22 22.4 % 0.23 - 350.22 0.23
Q1 2023 408.91 42.5 % 0.27 - 408.91 0.27
Q2 2023 443.79 38.4 % 0.30 - 443.79 0.30
Q3 2023 461.64 (16.1 %) 0.31 - 461.64 0.31
Q4 2023 447.27 27.7 % 0.30 - 447.27 0.30
Q1 2024 442.42 8.2 % 0.29 - 442.42 0.29


Balance Sheet (Billion Riyal)

Period Assets Change Customer Deposits Change Loan Change
Q1 2003 20.38 - 15.22 - 9.40 -
Q2 2003 19.64 - 14.34 - 10.24 -
Q3 2003 21.46 - 14.79 - 10.86 -
Q4 2003 21.71 - 14.40 - 10.23 -
Q1 2004 23.56 15.6 % 16.45 8.1 % 11.62 23.6 %
Q2 2004 22.20 13.1 % 14.44 0.7 % 10.83 5.8 %
Q3 2004 25.83 20.4 % 17.90 21.0 % 11.54 6.3 %
Q4 2004 28.54 31.5 % 20.28 40.8 % 13.03 27.4 %
Q1 2005 32.40 37.5 % 23.99 45.8 % 15.18 30.6 %
Q2 2005 34.05 53.4 % 24.47 69.4 % 17.19 58.7 %
Q3 2005 36.21 40.2 % 24.80 38.6 % 19.15 65.9 %
Q4 2005 39.58 38.7 % 27.86 37.3 % 19.79 51.9 %
Q1 2006 41.78 29.0 % 29.33 22.3 % 19.75 30.1 %
Q2 2006 39.17 15.0 % 26.95 10.1 % 19.32 12.4 %
Q3 2006 38.32 5.8 % 25.89 4.4 % 20.18 5.4 %
Q4 2006 40.84 3.2 % 27.93 0.3 % 20.69 4.5 %
Q1 2007 39.89 (4.5 %) 27.60 (5.9 %) 17.82 (9.8 %)
Q2 2007 40.44 3.2 % 27.69 2.8 % 19.73 2.1 %
Q3 2007 45.13 17.8 % 30.54 17.9 % 21.75 7.8 %
Q4 2007 46.54 13.9 % 32.77 17.3 % 23.13 11.8 %
Q1 2008 46.12 15.6 % 33.08 19.8 % 24.56 37.9 %
Q2 2008 51.93 28.4 % 36.86 33.1 % 28.14 42.6 %
Q3 2008 54.50 20.8 % 43.05 41.0 % 29.87 37.4 %
Q4 2008 53.60 15.2 % 40.70 24.2 % 29.56 27.8 %
Q1 2009 50.28 9.0 % 38.04 15.0 % 30.11 22.6 %
Q2 2009 50.73 (2.3 %) 36.36 (1.4 %) 30.15 7.2 %
Q3 2009 50.57 (7.2 %) 38.42 (10.8 %) 30.53 2.2 %
Q4 2009 50.15 (6.4 %) 38.25 (6.0 %) 29.78 0.8 %
Q1 2010 49.49 (1.6 %) 36.51 (4.0 %) 30.65 1.8 %
Q2 2010 48.87 (3.7 %) 35.77 (1.6 %) 30.55 1.3 %
Q3 2010 49.32 (2.5 %) 35.60 (7.3 %) 31.21 2.2 %
Q4 2010 51.49 2.7 % 37.22 (2.7 %) 31.00 4.1 %
Q1 2011 51.22 3.5 % 37.97 4.0 % 30.78 0.4 %
Q2 2011 50.57 3.5 % 36.08 0.9 % 30.63 0.3 %
Q3 2011 50.62 2.6 % 36.65 2.9 % 30.47 (2.4 %)
Q4 2011 51.95 0.9 % 36.77 (1.2 %) 27.11 (12.5 %)
Q1 2012 52.19 1.9 % 36.94 (2.7 %) 27.98 (9.1 %)
Q2 2012 53.46 5.7 % 38.08 5.5 % 29.79 (2.7 %)
Q3 2012 55.05 8.7 % 38.84 6.0 % 31.79 4.3 %
Q4 2012 59.07 13.7 % 40.41 9.9 % 34.05 25.6 %
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 %
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 %
Q1 2024 136.41 11.9 % 88.43 11.6 % 84.62 14.9 %

Profitability

Period Return On Average Assets Return on Average Equity Net Income/Operating profit
Q1 2003 - - -
Q2 2003 - - -
Q3 2003 - - -
Q4 2003 - - 59.30 %
Q1 2004 2.22 % 19.20 % 59.42 %
Q2 2004 2.56 % 19.87 % 56.94 %
Q3 2004 2.34 % 18.93 % 57.90 %
Q4 2004 2.34 % 19.12 % 57.93 %
Q1 2005 2.40 % 19.60 % 60.19 %
Q2 2005 2.79 % 20.94 % 66.11 %
Q3 2005 2.99 % 22.66 % 69.43 %
Q4 2005 3.12 % 24.14 % 70.20 %
Q1 2006 3.76 % 28.99 % 74.01 %
Q2 2006 5.33 % 38.47 % 77.98 %
Q3 2006 5.35 % 36.97 % 77.69 %
Q4 2006 4.99 % 35.48 % 78.48 %
Q1 2007 4.34 % 29.73 % 76.65 %
Q2 2007 2.91 % 19.16 % 70.18 %
Q3 2007 2.80 % 18.69 % 69.22 %
Q4 2007 1.88 % 12.88 % 50.28 %
Q1 2008 1.80 % 11.83 % 45.74 %
Q2 2008 1.79 % 12.22 % 42.32 %
Q3 2008 1.12 % 8.24 % 29.66 %
Q4 2008 1.03 % 7.69 % 26.48 %
Q1 2009 1.03 % 7.25 % 27.96 %
Q2 2009 0.79 % 5.67 % 26.53 %
Q3 2009 1.03 % 7.41 % 36.62 %
Q4 2009 1.01 % 7.47 % 34.38 %
Q1 2010 0.61 % 4.16 % 18.29 %
Q2 2010 0.27 % 1.85 % 7.82 %
Q3 2010 0.16 % 1.05 % 4.54 %
Q4 2010 0.84 % 5.54 % 24.54 %
Q1 2011 1.22 % 7.76 % 35.99 %
Q2 2011 1.61 % 10.05 % 47.54 %
Q3 2011 1.60 % 9.79 % 48.47 %
Q4 2011 1.37 % 8.49 % 43.79 %
Q1 2012 1.38 % 8.42 % 42.88 %
Q2 2012 1.40 % 8.47 % 43.88 %
Q3 2012 1.54 % 9.30 % 48.82 %
Q4 2012 1.64 % 10.17 % 52.98 %
Q1 2013 1.76 % 11.29 % 57.35 %
Q2 2013 1.85 % 12.22 % 59.54 %
Q3 2013 1.92 % 12.71 % 61.46 %
Q4 2013 1.84 % 13.11 % 63.81 %
Q1 2014 1.79 % 12.91 % 64.07 %
Q2 2014 1.74 % 13.15 % 64.65 %
Q3 2014 1.72 % 12.70 % 64.53 %
Q4 2014 1.65 % 13.00 % 62.26 %
Q1 2015 1.69 % 12.78 % 60.41 %
Q2 2015 1.66 % 13.05 % 59.44 %
Q3 2015 1.63 % 12.38 % 58.03 %
Q4 2015 1.42 % 11.12 % 52.91 %
Q1 2016 1.25 % 9.83 % 47.84 %
Q2 2016 1.18 % 9.38 % 45.87 %
Q3 2016 1.05 % 8.12 % 39.93 %
Q4 2016 1.13 % 8.47 % 43.77 %
Q1 2017 1.24 % 9.49 % 48.68 %
Q2 2017 1.27 % 9.87 % 49.21 %
Q3 2017 1.40 % 10.71 % 53.33 %
Q4 2017 1.51 % 10.72 % 53.04 %
Q1 2018 1.51 % 10.82 % 51.88 %
Q2 2018 1.40 % 10.81 % 50.90 %
Q3 2018 1.42 % 10.75 % 50.46 %
Q4 2018 0.61 % 4.59 % 21.23 %
Q1 2019 0.55 % 4.08 % 18.74 %
Q2 2019 (0.11 %) (0.91 %) (4.05 %)
Q3 2019 (0.15 %) (1.18 %) (5.22 %)
Q4 2019 0.24 % 2.03 % 8.50 %
Q1 2020 0.11 % 0.96 % 3.84 %
Q2 2020 0.65 % 5.52 % 22.74 %
Q3 2020 0.66 % 5.21 % 22.48 %
Q4 2020 0.98 % 7.73 % 34.42 %
Q1 2021 1.06 % 8.73 % 37.72 %
Q2 2021 1.05 % 8.29 % 38.59 %
Q3 2021 1.05 % 7.57 % 38.23 %
Q4 2021 1.05 % 7.55 % 38.53 %
Q1 2022 1.10 % 8.29 % 40.00 %
Q2 2022 1.12 % 8.64 % 40.37 %
Q3 2022 1.40 % 10.32 % 47.00 %
Q4 2022 1.43 % 10.63 % 46.00 %
Q1 2023 1.41 % 11.61 % 46.25 %
Q2 2023 1.50 % 12.75 % 46.81 %
Q3 2023 1.41 % 12.28 % 42.75 %
Q4 2023 1.47 % 12.54 % 44.41 %
2023 1.47 % 12.54 % 44.41 %
Q1 2024 1.39 % 12.54 % 44.89 %

Ratios

Period Customer Deposits Per Total Assets Loans and advances/Total assets Loans and advances/Customers Deposits
Q1 2003 74.69 % 46.15 % 61.78 %
Q2 2003 73.04 % 52.17 % 71.43 %
Q3 2003 68.92 % 50.60 % 73.41 %
Q4 2003 66.35 % 47.13 % 71.03 %
Q1 2004 69.82 % 49.32 % 70.65 %
Q2 2004 65.05 % 48.80 % 75.02 %
Q3 2004 69.28 % 44.68 % 64.49 %
Q4 2004 71.07 % 45.65 % 64.24 %
Q1 2005 74.03 % 46.85 % 63.29 %
Q2 2005 71.84 % 50.49 % 70.28 %
Q3 2005 68.47 % 52.88 % 77.23 %
Q4 2005 70.38 % 50.01 % 71.05 %
Q1 2006 70.20 % 47.28 % 67.34 %
Q2 2006 68.79 % 49.32 % 71.69 %
Q3 2006 67.57 % 52.66 % 77.94 %
Q4 2006 68.38 % 50.66 % 74.08 %
Q1 2007 69.20 % 44.67 % 64.55 %
Q2 2007 68.48 % 48.78 % 71.23 %
Q3 2007 67.67 % 48.19 % 71.21 %
Q4 2007 70.41 % 49.69 % 70.58 %
Q1 2008 71.72 % 53.26 % 74.26 %
Q2 2008 70.98 % 54.18 % 76.34 %
Q3 2008 78.98 % 54.82 % 69.40 %
Q4 2008 75.94 % 55.14 % 72.61 %
Q1 2009 75.65 % 59.88 % 79.15 %
Q2 2009 71.68 % 59.44 % 82.92 %
Q3 2009 75.96 % 60.36 % 79.46 %
Q4 2009 76.27 % 59.39 % 77.87 %
Q1 2010 73.77 % 61.94 % 83.96 %
Q2 2010 73.21 % 62.52 % 85.41 %
Q3 2010 72.18 % 63.29 % 87.68 %
Q4 2010 72.27 % 60.21 % 83.30 %
Q1 2011 74.14 % 60.09 % 81.06 %
Q2 2011 71.36 % 60.58 % 84.90 %
Q3 2011 72.39 % 60.19 % 83.14 %
Q4 2011 70.79 % 52.20 % 73.74 %
Q1 2012 70.79 % 53.61 % 75.74 %
Q2 2012 71.23 % 55.73 % 78.24 %
Q3 2012 70.55 % 57.74 % 81.85 %
Q4 2012 68.42 % 57.65 % 84.26 %
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 %
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 %
Q1 2024 64.83 % 62.04 % 95.69 %


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 2003 1,500.00 - - - 1.48
Q2 2003 1,500.00 - - - 1.61
Q3 2003 1,500.00 - - - 1.72
Q4 2003 1,500.00 0.31 0.31 - 1.75
Q1 2004 1,500.00 0.33 0.33 - 1.91
Q2 2004 1,500.00 0.36 0.36 - 1.99
Q3 2004 1,500.00 0.37 0.37 - 2.17
Q4 2004 1,500.00 0.39 0.39 - 2.34
Q1 2005 1,500.00 0.45 0.45 - 2.66
Q2 2005 1,500.00 0.52 0.52 - 3.00
Q3 2005 1,500.00 0.62 0.62 - 3.29
Q4 2005 1,500.00 0.71 0.71 - 3.54
Q1 2006 1,500.00 0.93 0.93 - 3.75
Q2 2006 1,500.00 1.30 1.30 - 3.77
Q3 2006 1,500.00 1.33 1.33 - 3.90
Q4 2006 1,500.00 1.34 1.34 - 4.00
Q1 2007 1,500.00 1.18 1.18 - 4.20
Q2 2007 1,500.00 0.77 0.77 - 4.30
Q3 2007 1,500.00 0.78 0.78 - 4.44
Q4 2007 1,500.00 0.55 0.55 - 4.51
Q1 2008 1,500.00 0.52 0.52 - 4.53
Q2 2008 1,500.00 0.55 0.55 - 4.74
Q3 2008 1,500.00 0.37 0.37 - 4.59
Q4 2008 1,500.00 0.34 0.34 - 4.39
Q1 2009 1,500.00 0.33 0.33 - 4.59
Q2 2009 1,500.00 0.27 0.27 - 4.74
Q3 2009 1,500.00 0.36 0.36 - 5.14
Q4 2009 1,500.00 0.35 0.35 - 4.93
Q1 2010 1,500.00 0.20 0.20 - 5.08
Q2 2010 1,500.00 0.09 0.09 - 5.05
Q3 2010 1,500.00 0.05 0.05 - 5.24
Q4 2010 1,500.00 0.29 0.29 - 5.40
Q1 2011 1,500.00 0.41 0.41 - 5.51
Q2 2011 1,500.00 0.54 0.54 - 5.61
Q3 2011 1,500.00 0.53 0.53 - 5.62
Q4 2011 1,500.00 0.47 0.47 - 5.70
Q1 2012 1,500.00 0.47 0.47 - 5.77
Q2 2012 1,500.00 0.48 0.48 - 5.83
Q3 2012 1,500.00 0.54 0.54 - 6.05
Q4 2012 1,500.00 0.61 0.61 - 6.25
Q1 2013 1,500.00 0.68 0.68 - 6.21
Q2 2013 1,500.00 0.74 0.74 - 6.31
Q3 2013 1,500.00 0.80 0.80 - 6.59
Q4 2013 1,500.00 0.86 0.86 - 6.84
Q1 2014 1,500.00 0.87 0.72 - 7.31
Q2 2014 1,500.00 0.90 0.75 - 7.30
Q3 2014 1,500.00 0.93 0.78 - 7.98
Q4 2014 1,500.00 0.96 0.81 - 7.90
Q1 2015 1,500.00 0.98 0.98 - 7.98
Q2 2015 1,500.00 1.00 1.00 - 7.98
Q3 2015 1,500.00 0.98 0.98 - 7.92
Q4 2015 1,500.00 0.89 0.89 - 8.02
Q1 2016 1,500.00 0.78 0.78 - 7.91
Q2 2016 1,500.00 0.74 0.74 - 7.81
Q3 2016 1,500.00 0.65 0.65 - 8.16
Q4 2016 1,500.00 0.70 0.70 - 8.56
Q1 2017 1,500.00 0.79 0.79 - 8.77
Q2 2017 1,500.00 0.81 0.81 - 8.69
Q3 2017 1,500.00 0.91 0.91 - 8.79
Q4 2017 1,500.00 0.94 0.94 - 9.00
Q1 2018 1,500.00 0.94 0.94 - 8.62
Q2 2018 1,500.00 0.93 0.93 - 8.48
Q3 2018 1,500.00 0.92 0.92 - 8.33
Q4 2018 1,500.00 0.38 0.88 - 7.75
Q1 2019 1,500.00 0.34 0.84 - 8.07
Q2 2019 1,500.00 (0.07) 0.43 - 7.67
Q3 2019 1,500.00 (0.10) 0.40 - 7.97
Q4 2019 1,500.00 0.16 0.16 - 8.00
Q1 2020 1,500.00 0.07 0.07 - 6.99
Q2 2020 1,500.00 0.44 0.44 - 8.16
Q3 2020 1,500.00 0.43 0.42 - 8.54
Q4 2020 1,500.00 0.65 0.64 - 8.89
Q1 2021 1,500.00 0.69 0.68 - 8.93
Q2 2021 1,500.00 0.71 0.70 - 9.01
Q3 2021 1,500.00 0.69 0.69 - 9.79
Q4 2021 1,500.00 0.71 0.71 - 9.87
Q1 2022 1,500.00 0.76 0.76 - 9.34
Q2 2022 1,500.00 0.78 0.78 - 9.01
Q3 2022 1,500.00 0.96 0.96 - 8.86
Q4 2022 1,500.00 1.01 1.01 0.91 9.05
Q1 2023 1,500.00 1.09 1.09 0.99 9.38
Q2 2023 1,500.00 1.17 1.17 1.05 9.32
Q3 2023 1,500.00 1.11 1.11 0.99 9.22
Q4 2023 1,500.00 1.17 1.17 1.06 9.68
Q1 2024 1,500.00 1.20 1.20 1.09 9.71

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Recurring P/E Price/book
Q1 2003 - - 2.59
Q2 2003 - - 2.71
Q3 2003 - - 2.85
Q4 2003 17.88 17.88 3.15
Q1 2004 20.05 20.05 3.41
Q2 2004 17.96 17.96 3.22
Q3 2004 22.71 22.71 3.85
Q4 2004 28.48 28.48 4.76
Q1 2005 28.12 28.12 4.74
Q2 2005 39.55 39.55 6.89
Q3 2005 36.67 36.67 6.90
Q4 2005 34.06 34.06 6.83
Q1 2006 22.22 22.22 5.51
Q2 2006 16.03 16.03 5.54
Q3 2006 14.76 14.76 5.03
Q4 2006 11.48 11.48 3.84
Q1 2007 9.91 9.91 2.79
Q2 2007 14.50 14.50 2.61
Q3 2007 14.38 14.38 2.52
Q4 2007 30.24 30.24 3.67
Q1 2008 21.05 21.05 2.40
Q2 2008 19.08 19.08 2.22
Q3 2008 23.79 23.79 1.93
Q4 2008 15.68 15.68 1.22
Q1 2009 16.40 16.40 1.18
Q2 2009 21.04 21.04 1.19
Q3 2009 16.87 16.87 1.18
Q4 2009 16.78 16.78 1.18
Q1 2010 30.47 30.47 1.21
Q2 2010 69.27 69.27 1.24
Q3 2010 More than 100 More than 100 1.39
Q4 2010 24.93 24.93 1.32
Q1 2011 19.49 19.49 1.45
Q2 2011 13.96 13.96 1.33
Q3 2011 12.70 12.70 1.20
Q4 2011 13.58 13.58 1.12
Q1 2012 17.54 17.54 1.44
Q2 2012 12.85 12.85 1.07
Q3 2012 11.69 11.69 1.05
Q4 2012 11.80 11.80 1.15
Q1 2013 10.43 10.43 1.14
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 12.43 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 8.92 8.92 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 10.09 10.09 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 11.15 1.16
Q2 2019 NEG 22.46 1.25
Q3 2019 NEG 19.50 0.99
Q4 2019 56.54 56.54 1.13
Q1 2020 86.28 86.28 0.89
Q2 2020 14.92 14.92 0.80
Q3 2020 18.38 18.95 0.93
Q4 2020 12.26 12.51 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 16.70 16.70 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 10.88 10.88 1.22
Q3 2023 10.66 10.66 1.14
Q4 2023 10.01 10.01 1.10
Q1 2024 10.13 10.13 1.13

Business Segments (Million Riyal)

Compared With The
Period Retail Corporate and Institutional Banking Global markets and Treasury Brokerage and Asset Management Joint Projects Other
Q1 2003 63.68 74.13 20.78 - - -
Q2 2003 77.18 63.40 59.49 - - -
Q3 2003 95.89 68.39 64.98 - - -
Q4 2003 142.25 29.09 22.75 - - -
Q1 2004 112.70 59.16 27.05 - - -
Q2 2004 174.97 39.90 103.97 - - -
Q3 2004 168.90 42.31 31.12 - - -
Q4 2004 171.43 58.62 22.86 - - -
Q1 2005 196.62 66.58 39.69 - - -
Q2 2005 251.83 81.07 54.00 - - -
Q3 2005 279.52 70.13 43.32 - - -
Q4 2005 177.04 109.22 146.99 - - -
Q1 2006 331.62 90.44 247.61 - - -
Q2 2006 346.59 80.73 580.47 - - -
Q3 2006 258.23 108.58 87.12 - - -
Q4 2006 229.70 119.22 75.95 - - -
Q1 2007 199.02 131.20 95.27 - - -
Q2 2007 137.20 128.35 81.94 - - -
Q3 2007 155.34 153.96 181.94 - - -
Q4 2007 (38.70) 150.63 (9.19) 268.39 - -
Q1 2008 104.75 159.31 134.13 84.51 - -
Q2 2008 121.48 167.53 249.46 74.90 - -
Q3 2008 168.38 176.10 17.67 53.07 - -
Q4 2008 106.98 160.43 122.74 36.68 - -
Q1 2009 129.79 127.26 35.02 25.47 - -
Q2 2009 166.44 134.60 25.55 34.70 - -
Q3 2009 128.61 134.84 83.13 23.75 - -
Q4 2009 175.19 272.80 (10.82) 30.86 - -
Q1 2010 159.67 135.51 129.97 25.99 - -
Q2 2010 175.65 152.45 92.40 28.07 - -
Q3 2010 215.74 125.99 74.48 21.21 - -
Q4 2010 147.93 242.09 (1.36) 23.47 - -
Q1 2011 153.32 152.78 84.60 23.74 - -
Q2 2011 167.24 155.90 78.31 23.36 - -
Q3 2011 165.01 153.49 58.08 18.29 - -
Q4 2011 160.50 141.49 57.43 22.34 - -
Q1 2012 163.47 187.96 79.05 28.15 - -
Q2 2012 170.50 153.23 72.13 23.54 - -
Q3 2012 182.17 122.01 84.83 18.19 - -
Q4 2012 171.57 157.40 88.43 18.99 - -
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)
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 444.53 395.61 170.33 43.74 - (51.66)
Q1 2024 393.95 373.02 227.94 65.18 - (64.97)

Analysts Estimates (Million Riyal)

Item Profit (Expected) Profit (Actual) Change
Average 453.40 442.42

Estimates vs Actual (Million Riyal)

Item Profit (Expected) Profit (Actual) Change‬
EFG-Hermes 435.00 442.42
OSOOL AND BAKHEET 471.79 442.42

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