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- 2284 - MODERN MILLS
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- 8050 - SALAMA
- 8060 - WALAA
- 8070 - ARABIAN SHIELD
- 8190 - UCA
- 8230 - ALRAJHI TAKAFUL
- 8280 - LIVA
- 8150 - ACIG
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- 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
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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
- 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
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- 9575 - MARBLE DESIGN
- 9599 - TAQAT
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Alinma Bank reported a 28% rise in net profit to SAR 3.51 billion for the first nine months of 2023, compared to SAR 2.73 billion in the prior-year period.
Financials (M)
Item | 9m 2022 | 9m 2023 | Change |
---|---|---|---|
Net Income from investments and financial activities | 4,398.66 | 5,600.34 | 27.3 % |
Operating Income | 5,815.18 | 7,156.92 | 23.1 % |
Total Provisions | (761.91) | (963.57) | (26.5 %) |
Net Income | 2,738.86 | 3,518.86 | 28.5 % |
Average Shares | 2,500.00 | 2,500.00 | - |
EPS (Riyals) | 1.10 | 1.41 | 28.5 % |
EPS Diluted (Riyals) | 1.06 | 1.35 | 27.1 % |
The bank posted a 23.1% year-on-year (YoY) increase in gross operating income. This was mainly due to higher net income from financing and investment as well as fees and exchange income, which was partly offset by a decline in gains on fair value through statement of income (FVSI) financial instruments and lower other operating income.
On the other hand, gross operating expenses surged 17.4% YoY amid higher general and administrative expenses, as well as payroll, rents, and depreciation expenses, alongside an uptick in impairment charges for expected credit losses.
Current Quarter Comparison (M)
Item | Q3 2022 | Q3 2023 | Change |
---|---|---|---|
Net Income from investments and financial activities | 1,673.65 | 2,005.90 | 19.9 % |
Operating Income | 2,075.43 | 2,540.64 | 22.4 % |
Debt Provisions | (272.53) | (300.99) | (10.4 %) |
Net Income | 989.03 | 1,323.90 | 33.9 % |
Average Shares | 2,500.00 | 2,500.00 | - |
EPS (Riyals) | 0.40 | 0.53 | 33.9 % |
EPS Diluted (Riyal) | 0.38 | 0.51 | 33.3 % |
Item | Q2 2023 | Q3 2023 | Change |
---|---|---|---|
Net Income from investments and financial activities | 1,859.68 | 2,005.90 | 7.9 % |
Operating Income | 2,436.87 | 2,540.64 | 4.3 % |
Debt Provisions | (325.54) | (300.99) | 7.5 % |
Net Income | 1,225.08 | 1,323.90 | 8.1 % |
Average Shares | 2,500.00 | 2,500.00 | - |
EPS (Riyals) | 0.49 | 0.53 | 8.1 % |
EPS Diluted (Riyal) | 0.47 | 0.51 | 8.5 % |
The third-quarter net profit grew 34% to SAR 1.32 billion from SAR 989.03 million in Q3 2022. This came as gross operating income rose by 22.4% YoY, mainly due to the increase in net income from financing and investment, in addition to higher fees, foreign exchange, and FVSI income.
Sequentially, the Q3 bottom line grew by 8.1% from SAR 1.22 billion in Q2 2023.
Shareholders’ equity, with no minority interest and after excluding sukuk, stood at SAR 28.46 billion by the end of Sept. 30, 2023, compared to SAR 26.30 billion in the year-earlier period.
Balance Sheet (B)
Item | 9m 2022 | 9m 2023 | Change |
---|---|---|---|
Assets | 193.23 | 232.59 | 20.4 % |
Customer Deposits | 132.05 | 180.23 | 36.5 % |
Financing Investments | 139.99 | 169.06 | 20.8 % |
View other reports
- 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
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- 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 - ALHOKAIR GROUP
- 4170 - TECO
- 4290 - ALKHALEEJ TRNG
- 6002 - HERFY FOODS
- 1830 - Leejam Sports
- 6012 - RAYDAN
- 4291 - NCLE
- 4292 - ATAA
- 6014 - ALAMAR
- 6015 - AMERICANA
- 6016 - BURGERIZZR
- 4003 - EXTRA
- 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
- 1120 - ALRAJHI
- 1140 - ALBILAD
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- 1180 - SNB
- 2120 - SAIC
- 4280 - KINGDOM
- 4130 - ALBAHA
- 4081 - NAYIFAT
- 1111 - TADAWUL GROUP
- 4082 - MRNA
- 1182 - AMLAK
- 1183 - SHL
- 8010 - TAWUNIYA
- 8012 - JAZIRA TAKAFUL
- 8020 - MALATH INSURANCE
- 8030 - MEDGULF
- 8040 - ALLIANZ SF
- 8050 - SALAMA
- 8060 - WALAA
- 8070 - ARABIAN SHIELD
- 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
- 4020 - ALAKARIA
- 4323 - SUMOU
- 4090 - TAIBA
- 4100 - MCDC
- 4150 - ARDCO
- 4220 - EMAAR EC
- 4230 - RED SEA
- 4250 - JABAL OMAR
- 4300 - DAR ALARKAN
- 4310 - KEC
- 4320 - ALANDALUS
- 4321 - CENOMI CENTERS
- 4322 - RETAL
- NOMU
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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
- 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
- 9541 - ACADEMY OF LEARNING
- 9562 - FOOD GATE
- 9590 - ARMAH
- 9526 - JAHEZ
- 9598 - ALMOHAFAZA FOR EDUCATION
- 9603 - HORIZON EDUCATIONAL
- 9567 - GHIDA ALSULTAN
Share Price
Alinma Bank (ALINMA)
Current | |
Market Cap (M) | 69,125.00 |
Shares Outstanding ((M)) | 2,500.00 |
EPS ( Riyal) (TTM) | 2.25 |
EPS Diluted ( Riyal) (TTM) | 2.13 |
Book Value (BV) ( Riyal) | 12.96 |
Par Value ( Riyal) | 10.00 |
Adjusted P/E (Last12) | 12.29 |
P/E (TTM) | 12.29 |
Price/book | 2.13 |
Return on Average Assets (%) (TTM) | 2.3 |
Return on Average Equity (%) (TTM) | 18.5 |
Financial results (Million)
Financial results (Million)
Period | Net Income from investments and financial activities | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
Q1 2014 | 512.62 | 15.6 % | 599.84 | 15.0 % | (24.98) | 51.1 % |
Q2 2014 | 501.80 | 9.8 % | 611.44 | 9.4 % | (15.65) | 74.1 % |
Q3 2014 | 529.49 | 15.0 % | 687.33 | 26.7 % | (50.65) | (78.9 %) |
Q4 2014 | 531.05 | 12.0 % | 721.31 | 10.0 % | (70.40) | 47.6 % |
2014 | 2,074.95 | 13.1 % | 2,619.84 | 15.0 % | (161.67) | 41.0 % |
Q1 2015 | 550.00 | 7.3 % | 729.60 | 21.6 % | (70.12) | (180.8 %) |
Q2 2015 | 610.46 | 21.7 % | 845.51 | 38.3 % | (78.13) | (399.3 %) |
Q3 2015 | 547.52 | 3.4 % | 707.94 | 3.0 % | (10.33) | 79.6 % |
Q4 2015 | 570.72 | 7.5 % | 779.70 | 8.1 % | (37.59) | 46.6 % |
2015 | 2,278.69 | 9.8 % | 3,062.74 | 16.9 % | (196.17) | (21.3 %) |
Q1 2016 | 611.17 | 11.1 % | 734.32 | 0.6 % | (13.03) | 81.4 % |
Q2 2016 | 626.79 | 2.7 % | 819.89 | (3.0 %) | (24.70) | 68.4 % |
Q3 2016 | 687.54 | 25.6 % | 828.72 | 17.1 % | (41.43) | (301.2 %) |
Q4 2016 | 726.60 | 27.3 % | 944.88 | 21.2 % | (115.99) | (208.5 %) |
2016 | 2,652.10 | 16.4 % | 3,327.80 | 8.7 % | (195.15) | 0.5 % |
Q1 2017 | 814.43 | 33.3 % | 1,004.85 | 36.8 % | (124.24) | (853.2 %) |
Q2 2017 | 834.22 | 33.1 % | 1,006.70 | 22.8 % | (119.54) | (384.0 %) |
Q3 2017 | 877.17 | 27.6 % | 1,062.75 | 28.2 % | (104.65) | (152.6 %) |
Q4 2017 | 967.21 | 33.1 % | 1,298.66 | 37.4 % | (210.06) | (81.1 %) |
2017 | 3,493.02 | 31.7 % | 4,372.96 | 31.4 % | (558.48) | (186.2 %) |
Q1 2018 | 896.28 | 10.1 % | 1,109.76 | 10.4 % | (89.47) | 28.0 % |
Q2 2018 | 942.39 | 13.0 % | 1,231.00 | 22.3 % | (162.76) | (36.2 %) |
Q3 2018 | 987.21 | 12.5 % | 1,211.70 | 14.0 % | (98.24) | 6.1 % |
Q4 2018 | 971.95 | 0.5 % | 1,292.46 | (0.5 %) | (41.92) | 80.0 % |
2018 | 3,797.83 | 8.7 % | 4,844.92 | 10.8 % | (392.80) | 29.7 % |
Q1 2019 | 976.43 | 8.9 % | 1,289.64 | 16.2 % | (65.40) | 26.9 % |
Q2 2019 | 1,066.01 | 13.1 % | 1,364.21 | 10.8 % | (141.66) | 13.0 % |
Q3 2019 | 1,138.86 | 15.4 % | 1,440.97 | 18.9 % | (108.31) | (10.2 %) |
Q4 2019 | 1,141.93 | 17.5 % | 1,515.34 | 17.2 % | (385.11) | (818.6 %) |
2019 | 4,323.22 | 13.8 % | 5,610.16 | 15.8 % | (700.48) | (78.3 %) |
Q1 2020 | 1,121.16 | 14.8 % | 1,259.28 | (2.4 %) | (358.69) | (448.5 %) |
Q2 2020 | 1,127.30 | 5.8 % | 1,332.41 | (2.3 %) | (192.79) | (36.1 %) |
Q3 2020 | 1,185.15 | 4.1 % | 1,479.84 | 2.7 % | (231.00) | (113.3 %) |
Q4 2020 | 1,214.21 | 6.3 % | 1,610.11 | 6.3 % | (636.70) | (65.3 %) |
2020 | 4,647.82 | 7.5 % | 5,681.64 | 1.3 % | (1,419.18) | (102.6 %) |
Q1 2021 | 1,206.64 | 7.6 % | 1,604.24 | 27.4 % | (346.77) | 3.3 % |
Q2 2021 | 1,231.43 | 9.2 % | 1,653.14 | 24.1 % | (336.80) | (74.7 %) |
Q3 2021 | 1,392.89 | 17.5 % | 1,722.06 | 16.4 % | (279.06) | (20.8 %) |
Q4 2021 | 1,309.43 | 7.8 % | 1,680.16 | 4.4 % | (288.98) | 54.6 % |
2021 | 5,140.39 | 10.6 % | 6,659.59 | 17.2 % | (1,251.60) | 11.8 % |
Q1 2022 | 1,311.57 | 8.7 % | 1,807.61 | 12.7 % | (241.02) | 30.5 % |
Q2 2022 | 1,413.49 | 14.8 % | 1,932.14 | 16.9 % | (248.35) | 26.3 % |
Q3 2022 | 1,673.65 | 20.2 % | 2,075.43 | 20.5 % | (272.53) | 2.3 % |
Q4 2022 | 1,667.81 | 27.4 % | 2,147.89 | 27.8 % | (435.79) | (50.8 %) |
2022 | 6,066.47 | 18.0 % | 7,963.06 | 19.6 % | (1,197.70) | 4.3 % |
Q1 2023 | 1,734.76 | 32.3 % | 2,179.41 | 20.6 % | (337.03) | (39.8 %) |
Q2 2023 | 1,859.68 | 31.6 % | 2,436.87 | 26.1 % | (325.54) | (31.1 %) |
Q3 2023 | 2,005.90 | 19.9 % | 2,540.64 | 22.4 % | (300.99) | (10.4 %) |
Period | Net Income from investments and financial activities | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
2013 | 1,834.84 | 20.9 % | 2,279.08 | 24.8 % | (274.22) | (77.6 %) |
2014 | 2,074.95 | 13.1 % | 2,619.84 | 15.0 % | (161.67) | 41.0 % |
2015 | 2,278.69 | 9.8 % | 3,062.74 | 16.9 % | (196.17) | (21.3 %) |
2016 | 2,652.10 | 16.4 % | 3,327.80 | 8.7 % | (195.15) | 0.5 % |
2017 | 3,493.02 | 31.7 % | 4,372.96 | 31.4 % | (558.48) | (186.2 %) |
2018 | 3,797.83 | 8.7 % | 4,844.92 | 10.8 % | (392.80) | 29.7 % |
2019 | 4,323.22 | 13.8 % | 5,610.16 | 15.8 % | (700.48) | (78.3 %) |
2020 | 4,647.82 | 7.5 % | 5,681.64 | 1.3 % | (1,419.18) | (102.6 %) |
2021 | 5,140.39 | 10.6 % | 6,659.59 | 17.2 % | (1,251.60) | 11.8 % |
2022 | 6,066.47 | 18.0 % | 7,963.06 | 19.6 % | (1,197.70) | 4.3 % |
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 2014 | 292.84 | 32.3 % | 0.12 | - | 292.84 | 0.12 |
Q2 2014 | 307.66 | 27.4 % | 0.12 | - | 307.66 | 0.12 |
Q3 2014 | 331.34 | 26.4 % | 0.13 | - | 331.34 | 0.13 |
Q4 2014 | 332.60 | 18.8 % | 0.13 | - | 332.60 | 0.13 |
2014 | 1,264.43 | 25.8 % | 0.51 | - | 1,264.43 | 0.51 |
Q1 2015 | 344.11 | 17.5 % | 0.14 | - | 344.11 | 0.14 |
Q2 2015 | 364.76 | 18.6 % | 0.15 | - | 364.76 | 0.15 |
Q3 2015 | 375.19 | 13.2 % | 0.15 | - | 375.19 | 0.15 |
Q4 2015 | 385.92 | 16.0 % | 0.15 | - | 385.92 | 0.15 |
2015 | 1,469.98 | 16.3 % | 0.59 | - | 1,469.98 | 0.59 |
Q1 2016 | 391.32 | 13.7 % | 0.16 | - | 391.32 | 0.16 |
Q2 2016 | 409.12 | 12.2 % | 0.16 | - | 409.12 | 0.16 |
Q3 2016 | 311.61 | (16.9 %) | 0.12 | - | 311.61 | 0.12 |
Q4 2016 | 390.22 | 1.1 % | 0.16 | - | 390.22 | 0.16 |
2016 | 1,502.27 | 2.2 % | 0.60 | - | 1,502.27 | 0.60 |
Q1 2017 | 421.32 | 7.7 % | 0.17 | - | 421.32 | 0.17 |
Q2 2017 | 488.22 | 19.3 % | 0.20 | - | 488.22 | 0.20 |
Q3 2017 | 541.76 | 73.9 % | 0.22 | - | 541.76 | 0.22 |
Q4 2017 | 560.05 | 43.5 % | 0.22 | - | 560.05 | 0.22 |
2017 | 2,011.36 | 33.9 % | 0.80 | - | 2,011.36 | 0.80 |
Q1 2018 | 567.27 | 34.6 % | 0.23 | - | 567.27 | 0.23 |
Q2 2018 | 605.79 | 24.1 % | 0.24 | - | 605.79 | 0.24 |
Q3 2018 | 636.93 | 17.6 % | 0.25 | - | 636.93 | 0.25 |
Q4 2018 | 1,046.96 | 86.9 % | 0.42 | 556.58 | 490.38 | 0.20 |
2018 | 2,856.95 | 42.0 % | 1.14 | 556.58 | 2,300.37 | 0.92 |
Q1 2019 | 637.84 | 12.4 % | 0.26 | - | 637.84 | 0.26 |
Q2 2019 | 675.67 | 11.5 % | 0.27 | - | 675.67 | 0.27 |
Q3 2019 | 712.78 | 11.9 % | 0.29 | - | 712.78 | 0.29 |
Q4 2019 | 508.53 | (51.4 %) | 0.20 | - | 508.53 | 0.20 |
2019 | 2,534.81 | (11.3 %) | 1.01 | - | 2,534.81 | 1.01 |
Q1 2020 | 370.27 | (41.9 %) | 0.15 | - | 370.27 | 0.15 |
Q2 2020 | 572.49 | (15.3 %) | 0.23 | - | 572.49 | 0.23 |
Q3 2020 | 629.25 | (11.7 %) | 0.25 | - | 629.25 | 0.25 |
Q4 2020 | 393.99 | (22.5 %) | 0.16 | - | 393.99 | 0.16 |
2020 | 1,965.99 | (22.4 %) | 0.79 | - | 1,965.99 | 0.79 |
Q1 2021 | 641.84 | 73.3 % | 0.26 | - | 641.84 | 0.26 |
Q2 2021 | 710.33 | 24.1 % | 0.28 | - | 710.33 | 0.28 |
Q3 2021 | 738.09 | 17.3 % | 0.30 | - | 738.09 | 0.30 |
Q4 2021 | 619.13 | 57.1 % | 0.25 | - | 619.13 | 0.25 |
2021 | 2,709.39 | 37.8 % | 1.08 | - | 2,709.39 | 1.08 |
Q1 2022 | 824.75 | 28.5 % | 0.33 | - | 824.75 | 0.33 |
Q2 2022 | 925.09 | 30.2 % | 0.37 | - | 925.09 | 0.37 |
Q3 2022 | 989.03 | 34.0 % | 0.40 | - | 989.03 | 0.40 |
Q4 2022 | 860.28 | 38.9 % | 0.34 | - | 860.28 | 0.34 |
2022 | 3,599.14 | 32.8 % | 1.44 | - | 3,599.14 | 1.44 |
Q1 2023 | 969.89 | 17.6 % | 0.39 | - | 969.89 | 0.39 |
Q2 2023 | 1,225.08 | 32.4 % | 0.49 | - | 1,225.08 | 0.49 |
Q3 2023 | 1,323.90 | 33.9 % | 0.53 | - | 1,323.90 | 0.53 |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
2013 | 1,004.76 | 37.0 % | 0.40 | - | 1,004.76 | 0.40 |
2014 | 1,264.43 | 25.8 % | 0.51 | - | 1,264.43 | 0.51 |
2015 | 1,469.98 | 16.3 % | 0.59 | - | 1,469.98 | 0.59 |
2016 | 1,502.27 | 2.2 % | 0.60 | - | 1,502.27 | 0.60 |
2017 | 2,011.36 | 33.9 % | 0.80 | - | 2,011.36 | 0.80 |
2018 | 2,856.95 | 42.0 % | 1.14 | 556.58 | 2,300.37 | 0.92 |
2019 | 2,534.81 | (11.3 %) | 1.01 | - | 2,534.81 | 1.01 |
2020 | 1,965.99 | (22.4 %) | 0.79 | - | 1,965.99 | 0.79 |
2021 | 2,709.39 | 37.8 % | 1.08 | - | 2,709.39 | 1.08 |
2022 | 3,599.14 | 32.8 % | 1.44 | - | 3,599.14 | 1.44 |
Balance Sheet (B)
Balance Sheet Performance (B)
Period | Assets | Change | Customer Deposits | Change | Financing Investments | Change |
---|---|---|---|---|---|---|
Q1 2014 | 65.44 | 16.4 % | 45.14 | 31.4 % | 45.81 | 16.2 % |
Q2 2014 | 70.60 | 21.8 % | 48.98 | 34.3 % | 49.01 | 17.9 % |
Q3 2014 | 75.46 | 27.6 % | 53.39 | 41.9 % | 50.22 | 19.8 % |
Q4 2014 | 80.86 | 28.3 % | 59.43 | 39.0 % | 53.64 | 19.4 % |
Q1 2015 | 83.69 | 27.9 % | 61.56 | 36.4 % | 55.01 | 20.1 % |
Q2 2015 | 81.84 | 15.9 % | 60.59 | 23.7 % | 53.39 | 8.9 % |
Q3 2015 | 82.39 | 9.2 % | 60.38 | 13.1 % | 53.47 | 6.5 % |
Q4 2015 | 88.72 | 9.7 % | 65.69 | 10.5 % | 57.01 | 6.3 % |
Q1 2016 | 91.61 | 9.5 % | 68.79 | 11.7 % | 60.25 | 9.5 % |
Q2 2016 | 98.19 | 20.0 % | 74.17 | 22.4 % | 66.49 | 24.5 % |
Q3 2016 | 102.94 | 24.9 % | 77.32 | 28.1 % | 69.27 | 29.6 % |
Q4 2016 | 104.73 | 18.0 % | 80.61 | 22.7 % | 70.31 | 23.3 % |
Q1 2017 | 105.08 | 14.7 % | 81.45 | 18.4 % | 73.54 | 22.1 % |
Q2 2017 | 111.18 | 13.2 % | 85.78 | 15.7 % | 76.96 | 15.8 % |
Q3 2017 | 111.12 | 8.0 % | 87.23 | 12.8 % | 77.81 | 12.3 % |
Q4 2017 | 114.75 | 9.6 % | 89.06 | 10.5 % | 79.06 | 12.4 % |
Q1 2018 | 113.94 | 8.4 % | 89.34 | 9.7 % | 79.01 | 7.4 % |
Q2 2018 | 116.78 | 5.0 % | 88.94 | 3.7 % | 82.13 | 6.7 % |
Q3 2018 | 120.21 | 8.2 % | 89.87 | 3.0 % | 83.17 | 6.9 % |
Q4 2018 | 121.54 | 5.9 % | 90.13 | 1.2 % | 83.89 | 6.1 % |
Q1 2019 | 121.79 | 6.9 % | 92.26 | 3.3 % | 85.88 | 8.7 % |
Q2 2019 | 123.48 | 5.7 % | 92.82 | 4.4 % | 87.67 | 6.7 % |
Q3 2019 | 128.01 | 6.5 % | 99.84 | 11.1 % | 90.78 | 9.2 % |
Q4 2019 | 131.84 | 8.5 % | 102.06 | 13.2 % | 94.80 | 13.0 % |
Q1 2020 | 138.02 | 13.3 % | 103.87 | 12.6 % | 97.78 | 13.9 % |
Q2 2020 | 142.20 | 15.2 % | 107.42 | 15.7 % | 103.18 | 17.7 % |
Q3 2020 | 147.85 | 15.5 % | 111.32 | 11.5 % | 105.33 | 16.0 % |
Q4 2020 | 156.88 | 19.0 % | 119.45 | 17.0 % | 111.20 | 17.3 % |
Q1 2021 | 159.95 | 15.9 % | 120.71 | 16.2 % | 117.15 | 19.8 % |
Q2 2021 | 164.06 | 15.4 % | 125.88 | 17.2 % | 119.62 | 15.9 % |
Q3 2021 | 166.81 | 12.8 % | 116.65 | 4.8 % | 121.32 | 15.2 % |
Q4 2021 | 173.48 | 10.6 % | 121.06 | 1.3 % | 126.27 | 13.6 % |
Q1 2022 | 179.52 | 12.2 % | 128.04 | 6.1 % | 128.97 | 10.1 % |
Q2 2022 | 184.62 | 12.5 % | 130.38 | 3.6 % | 131.19 | 9.7 % |
Q3 2022 | 193.23 | 15.8 % | 132.05 | 13.2 % | 139.99 | 15.4 % |
Q4 2022 | 200.44 | 15.5 % | 145.17 | 19.9 % | 146.49 | 16.0 % |
Q1 2023 | 213.75 | 19.1 % | 159.95 | 24.9 % | 153.15 | 18.8 % |
Q2 2023 | 226.90 | 22.9 % | 177.87 | 36.4 % | 161.77 | 23.3 % |
Q3 2023 | 232.59 | 20.4 % | 180.23 | 36.5 % | 169.06 | 20.8 % |
Period | Assets | Change | Customer Deposits | Change | Financing Investments | Change |
---|---|---|---|---|---|---|
3m 2014 | 65.44 | 16.4 % | 45.14 | 31.4 % | 45.81 | 16.2 % |
6m 2014 | 70.60 | 21.8 % | 48.98 | 34.3 % | 49.01 | 17.9 % |
9m 2014 | 75.46 | 27.6 % | 53.39 | 41.9 % | 50.22 | 19.8 % |
12m 2014 | 80.86 | 28.3 % | 59.43 | 39.0 % | 53.64 | 19.4 % |
3m 2015 | 83.69 | 27.9 % | 61.56 | 36.4 % | 55.01 | 20.1 % |
6m 2015 | 81.84 | 15.9 % | 60.59 | 23.7 % | 53.39 | 8.9 % |
9m 2015 | 82.39 | 9.2 % | 60.38 | 13.1 % | 53.47 | 6.5 % |
12m 2015 | 88.72 | 9.7 % | 65.69 | 10.5 % | 57.01 | 6.3 % |
3m 2016 | 91.61 | 9.5 % | 68.79 | 11.7 % | 60.25 | 9.5 % |
6m 2016 | 98.19 | 20.0 % | 74.17 | 22.4 % | 66.49 | 24.5 % |
9m 2016 | 102.94 | 24.9 % | 77.32 | 28.1 % | 69.27 | 29.6 % |
12m 2016 | 104.73 | 18.0 % | 80.61 | 22.7 % | 70.31 | 23.3 % |
3m 2017 | 105.08 | 14.7 % | 81.45 | 18.4 % | 73.54 | 22.1 % |
6m 2017 | 111.18 | 13.2 % | 85.78 | 15.7 % | 76.96 | 15.8 % |
9m 2017 | 111.12 | 8.0 % | 87.23 | 12.8 % | 77.81 | 12.3 % |
12m 2017 | 114.75 | 9.6 % | 89.06 | 10.5 % | 79.06 | 12.4 % |
3m 2018 | 113.94 | 8.4 % | 89.34 | 9.7 % | 79.01 | 7.4 % |
6m 2018 | 116.78 | 5.0 % | 88.94 | 3.7 % | 82.13 | 6.7 % |
9m 2018 | 120.21 | 8.2 % | 89.87 | 3.0 % | 83.17 | 6.9 % |
12m 2018 | 121.54 | 5.9 % | 90.13 | 1.2 % | 83.89 | 6.1 % |
3m 2019 | 121.79 | 6.9 % | 92.26 | 3.3 % | 85.88 | 8.7 % |
6m 2019 | 123.48 | 5.7 % | 92.82 | 4.4 % | 87.67 | 6.7 % |
9m 2019 | 128.01 | 6.5 % | 99.84 | 11.1 % | 90.78 | 9.2 % |
12m 2019 | 131.84 | 8.5 % | 102.06 | 13.2 % | 94.80 | 13.0 % |
3m 2020 | 138.02 | 13.3 % | 103.87 | 12.6 % | 97.78 | 13.9 % |
6m 2020 | 142.20 | 15.2 % | 107.42 | 15.7 % | 103.18 | 17.7 % |
9m 2020 | 147.85 | 15.5 % | 111.32 | 11.5 % | 105.33 | 16.0 % |
12m 2020 | 156.88 | 19.0 % | 119.45 | 17.0 % | 111.20 | 17.3 % |
3m 2021 | 159.95 | 15.9 % | 120.71 | 16.2 % | 117.15 | 19.8 % |
6m 2021 | 164.06 | 15.4 % | 125.88 | 17.2 % | 119.62 | 15.9 % |
9m 2021 | 166.81 | 12.8 % | 116.65 | 4.8 % | 121.32 | 15.2 % |
12m 2021 | 173.48 | 10.6 % | 121.06 | 1.3 % | 126.27 | 13.6 % |
3m 2022 | 179.52 | 12.2 % | 128.04 | 6.1 % | 128.97 | 10.1 % |
6m 2022 | 184.62 | 12.5 % | 130.38 | 3.6 % | 131.19 | 9.7 % |
9m 2022 | 193.23 | 15.8 % | 132.05 | 13.2 % | 139.99 | 15.4 % |
12m 2022 | 200.44 | 15.5 % | 145.17 | 19.9 % | 146.49 | 16.0 % |
3m 2023 | 213.75 | 19.1 % | 159.95 | 24.9 % | 153.15 | 18.8 % |
6m 2023 | 226.90 | 22.9 % | 177.87 | 36.4 % | 161.77 | 23.3 % |
9m 2023 | 232.59 | 20.4 % | 180.23 | 36.5 % | 169.06 | 20.8 % |
Period | Assets | Change | Customer Deposits | Change | Financing Investments | Change |
---|---|---|---|---|---|---|
2013 | 63.00 | 16.6 % | 42.76 | 32.7 % | 44.92 | 20.8 % |
2014 | 80.86 | 28.3 % | 59.43 | 39.0 % | 53.64 | 19.4 % |
2015 | 88.72 | 9.7 % | 65.69 | 10.5 % | 57.01 | 6.3 % |
2016 | 104.73 | 18.0 % | 80.61 | 22.7 % | 70.31 | 23.3 % |
2017 | 114.75 | 9.6 % | 89.06 | 10.5 % | 79.06 | 12.4 % |
2018 | 121.54 | 5.9 % | 90.13 | 1.2 % | 83.89 | 6.1 % |
2019 | 131.84 | 8.5 % | 102.06 | 13.2 % | 94.80 | 13.0 % |
2020 | 156.88 | 19.0 % | 119.45 | 17.0 % | 111.20 | 17.3 % |
2021 | 173.48 | 10.6 % | 121.06 | 1.3 % | 126.27 | 13.6 % |
2022 | 200.44 | 15.5 % | 145.17 | 19.9 % | 146.49 | 16.0 % |
Profitability
Profitability
Period | Return On Average Assets | Return on Average Equity | Net Profit/Investment Income & Other Financing Operations |
---|---|---|---|
Q1 2014 | 1.77 % | 6.32 % | 51.32 % |
Q2 2014 | 1.78 % | 6.61 % | 53.15 % |
Q3 2014 | 1.80 % | 6.88 % | 54.49 % |
Q4 2014 | 1.76 % | 7.27 % | 55.32 % |
2014 | 1.76 % | 7.27 % | 55.32 % |
Q1 2015 | 1.76 % | 7.60 % | 56.31 % |
Q2 2015 | 1.80 % | 7.76 % | 55.92 % |
Q3 2015 | 1.79 % | 7.86 % | 57.08 % |
Q4 2015 | 1.73 % | 8.10 % | 57.71 % |
2015 | 1.73 % | 8.10 % | 57.71 % |
Q1 2016 | 1.73 % | 8.57 % | 56.87 % |
Q2 2016 | 1.73 % | 8.60 % | 55.56 % |
Q3 2016 | 1.62 % | 8.11 % | 48.01 % |
Q4 2016 | 1.55 % | 8.01 % | 43.10 % |
2016 | 1.55 % | 8.01 % | 43.10 % |
Q1 2017 | 1.56 % | 8.17 % | 40.73 % |
Q2 2017 | 1.54 % | 8.55 % | 40.59 % |
Q3 2017 | 1.72 % | 9.55 % | 44.75 % |
Q4 2017 | 1.83 % | 10.18 % | 47.27 % |
2017 | 1.83 % | 10.18 % | 47.27 % |
Q1 2018 | 1.97 % | 10.85 % | 49.48 % |
Q2 2018 | 2.00 % | 11.70 % | 50.27 % |
Q3 2018 | 2.05 % | 11.83 % | 49.86 % |
Q4 2018 | 2.42 % | 13.72 % | 58.38 % |
2018 | 2.42 % | 13.72 % | 58.38 % |
Q1 2019 | 2.48 % | 14.41 % | 57.73 % |
Q2 2019 | 2.50 % | 14.71 % | 57.09 % |
Q3 2019 | 2.48 % | 14.58 % | 56.87 % |
Q4 2019 | 2.00 % | 11.59 % | 45.78 % |
2019 | 2.00 % | 11.59 % | 45.78 % |
Q1 2020 | 1.75 % | 10.49 % | 40.18 % |
Q2 2020 | 1.63 % | 9.71 % | 38.51 % |
Q3 2020 | 1.51 % | 9.05 % | 37.61 % |
Q4 2020 | 1.36 % | 8.39 % | 35.94 % |
2020 | 1.36 % | 8.39 % | 35.94 % |
Q1 2021 | 1.50 % | 9.35 % | 41.24 % |
Q2 2021 | 1.55 % | 9.78 % | 43.62 % |
Q3 2021 | 1.58 % | 10.10 % | 44.34 % |
Q4 2021 | 1.64 % | 10.81 % | 47.72 % |
2021 | 1.64 % | 10.81 % | 47.72 % |
Q1 2022 | 1.70 % | 11.21 % | 49.86 % |
Q2 2022 | 1.78 % | 12.03 % | 51.01 % |
Q3 2022 | 1.87 % | 13.05 % | 50.66 % |
Q4 2022 | 1.93 % | 13.69 % | 47.28 % |
2022 | 1.93 % | 13.69 % | 47.28 % |
Q1 2023 | 1.90 % | 13.69 % | 41.97 % |
Q2 2023 | 1.97 % | 14.86 % | 38.72 % |
Q3 2023 | 2.06 % | 15.99 % | 36.77 % |
Period | Return On Average Assets | Return on Average Equity | Net Profit/Investment Income & Other Financing Operations |
---|---|---|---|
2013 | 1.72 % | 6.00 % | 49.72 % |
2014 | 1.76 % | 7.27 % | 55.32 % |
2015 | 1.73 % | 8.10 % | 57.71 % |
2016 | 1.55 % | 8.01 % | 43.10 % |
2017 | 1.83 % | 10.18 % | 47.27 % |
2018 | 2.42 % | 13.72 % | 58.38 % |
2019 | 2.00 % | 11.59 % | 45.78 % |
2020 | 1.36 % | 8.39 % | 35.94 % |
2021 | 1.64 % | 10.81 % | 47.72 % |
2022 | 1.93 % | 13.69 % | 47.28 % |
Ratios
Ratios
Period | Customer Deposits Per Total Assets | Financing Investments/Customer Deposits | Financing Investments/Total Assets |
---|---|---|---|
Q1 2014 | 68.97 % | 101.49 % | 70.00 % |
Q2 2014 | 69.37 % | 100.07 % | 69.42 % |
Q3 2014 | 70.75 % | 94.07 % | 66.55 % |
Q4 2014 | 73.49 % | 90.26 % | 66.33 % |
Q1 2015 | 73.56 % | 89.37 % | 65.74 % |
Q2 2015 | 74.03 % | 88.11 % | 65.23 % |
Q3 2015 | 73.28 % | 88.56 % | 64.90 % |
Q4 2015 | 74.04 % | 86.77 % | 64.25 % |
Q1 2016 | 75.08 % | 87.59 % | 65.77 % |
Q2 2016 | 75.54 % | 89.65 % | 67.72 % |
Q3 2016 | 75.11 % | 89.60 % | 67.30 % |
Q4 2016 | 76.97 % | 87.22 % | 67.14 % |
Q1 2017 | 77.51 % | 90.30 % | 69.99 % |
Q2 2017 | 77.16 % | 89.72 % | 69.22 % |
Q3 2017 | 78.50 % | 89.20 % | 70.02 % |
Q4 2017 | 77.62 % | 88.77 % | 68.90 % |
Q1 2018 | 78.41 % | 88.44 % | 69.34 % |
Q2 2018 | 76.16 % | 92.34 % | 70.33 % |
Q3 2018 | 74.76 % | 92.55 % | 69.19 % |
Q4 2018 | 74.16 % | 93.08 % | 69.02 % |
Q1 2019 | 75.75 % | 93.08 % | 70.51 % |
Q2 2019 | 75.17 % | 94.45 % | 71.00 % |
Q3 2019 | 77.99 % | 90.93 % | 70.92 % |
Q4 2019 | 77.41 % | 92.89 % | 71.91 % |
Q1 2020 | 75.26 % | 94.14 % | 70.85 % |
Q2 2020 | 75.54 % | 96.05 % | 72.56 % |
Q3 2020 | 75.29 % | 94.62 % | 71.24 % |
Q4 2020 | 76.15 % | 93.09 % | 70.88 % |
Q1 2021 | 75.46 % | 97.05 % | 73.24 % |
Q2 2021 | 76.73 % | 95.03 % | 72.92 % |
Q3 2021 | 69.93 % | 104.00 % | 72.73 % |
Q4 2021 | 69.79 % | 104.30 % | 72.79 % |
Q1 2022 | 71.32 % | 100.73 % | 71.84 % |
Q2 2022 | 70.62 % | 100.63 % | 71.06 % |
Q3 2022 | 68.34 % | 106.01 % | 72.45 % |
Q4 2022 | 72.43 % | 100.91 % | 73.09 % |
Q1 2023 | 74.83 % | 95.75 % | 71.65 % |
Q2 2023 | 78.39 % | 90.95 % | 71.30 % |
Q3 2023 | 77.49 % | 93.80 % | 72.69 % |
Period | Customer Deposits Per Total Assets | Financing Investments/Customer Deposits | Financing Investments/Total Assets |
---|---|---|---|
2013 | 67.88 % | 105.05 % | 71.31 % |
2014 | 73.49 % | 90.26 % | 66.33 % |
2015 | 74.04 % | 86.77 % | 64.25 % |
2016 | 76.97 % | 87.22 % | 67.14 % |
2017 | 77.62 % | 88.77 % | 68.90 % |
2018 | 74.16 % | 93.08 % | 69.02 % |
2019 | 77.41 % | 92.89 % | 71.91 % |
2020 | 76.15 % | 93.09 % | 70.88 % |
2021 | 69.79 % | 104.30 % | 72.79 % |
2022 | 72.43 % | 100.91 % | 73.09 % |
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 | 2,500.00 | 0.43 | 0.43 | - | 6.86 |
Q2 2014 | 2,500.00 | 0.46 | 0.46 | - | 6.98 |
Q3 2014 | 2,500.00 | 0.48 | 0.48 | - | 7.12 |
Q4 2014 | 2,500.00 | 0.51 | 0.51 | - | 7.18 |
Q1 2015 | 2,500.00 | 0.53 | 0.53 | - | 6.98 |
Q2 2015 | 2,500.00 | 0.55 | 0.55 | - | 7.16 |
Q3 2015 | 2,500.00 | 0.57 | 0.57 | - | 7.29 |
Q4 2015 | 2,500.00 | 0.59 | 0.59 | - | 7.34 |
Q1 2016 | 2,500.00 | 0.61 | 0.61 | - | 7.18 |
Q2 2016 | 2,500.00 | 0.62 | 0.62 | - | 7.36 |
Q3 2016 | 2,500.00 | 0.60 | 0.60 | - | 7.49 |
Q4 2016 | 2,500.00 | 0.60 | 0.60 | - | 7.67 |
Q1 2017 | 2,500.00 | 0.61 | 0.61 | - | 7.83 |
Q2 2017 | 2,500.00 | 0.64 | 0.64 | - | 7.71 |
Q3 2017 | 2,500.00 | 0.74 | 0.74 | - | 7.94 |
Q4 2017 | 2,500.00 | 0.80 | 0.80 | - | 8.14 |
Q1 2018 | 2,500.00 | 0.86 | 0.86 | - | 8.07 |
Q2 2018 | 2,500.00 | 0.91 | 0.91 | - | 7.84 |
Q3 2018 | 2,500.00 | 0.95 | 0.95 | - | 8.08 |
Q4 2018 | 2,500.00 | 1.14 | 0.92 | - | 8.52 |
Q1 2019 | 2,500.00 | 1.17 | 0.95 | - | 8.18 |
Q2 2019 | 2,500.00 | 1.20 | 0.98 | - | 8.47 |
Q3 2019 | 2,500.00 | 1.23 | 1.01 | - | 8.77 |
Q4 2019 | 2,500.00 | 1.01 | 1.01 | 1.02 | 8.98 |
Q1 2020 | 2,500.00 | 0.91 | 0.91 | 0.91 | 9.11 |
Q2 2020 | 2,500.00 | 0.87 | 0.87 | 0.87 | 9.35 |
Q3 2020 | 2,500.00 | 0.83 | 0.83 | 0.83 | 9.62 |
Q4 2020 | 2,500.00 | 0.79 | 0.79 | 0.79 | 9.77 |
Q1 2021 | 2,500.00 | 0.90 | 0.90 | 0.90 | 10.03 |
Q2 2021 | 2,500.00 | 0.95 | 0.95 | 0.95 | 10.08 |
Q3 2021 | 2,500.00 | 0.99 | 0.99 | 1.00 | 10.07 |
Q4 2021 | 2,500.00 | 1.08 | 1.08 | 1.09 | 10.28 |
Q1 2022 | 2,500.00 | 1.16 | 1.16 | 1.16 | 10.61 |
Q2 2022 | 2,500.00 | 1.24 | 1.24 | 1.23 | 10.59 |
Q3 2022 | 2,500.00 | 1.34 | 1.34 | 1.31 | 10.52 |
Q4 2022 | 2,500.00 | 1.44 | 1.44 | 1.38 | 10.75 |
Q1 2023 | 2,500.00 | 1.50 | 1.50 | 1.42 | 11.27 |
Q2 2023 | 2,500.00 | 1.62 | 1.62 | 1.54 | 11.19 |
Q3 2023 | 2,500.00 | 1.75 | 1.75 | 1.67 | 11.38 |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
2013 | 2,500.00 | 0.40 | 0.40 | - | 6.73 |
2014 | 2,500.00 | 0.51 | 0.51 | - | 7.18 |
2015 | 2,500.00 | 0.59 | 0.59 | - | 7.34 |
2016 | 2,500.00 | 0.60 | 0.60 | - | 7.67 |
2017 | 2,500.00 | 0.80 | 0.80 | - | 8.14 |
2018 | 2,500.00 | 1.14 | 0.92 | - | 8.52 |
2019 | 2,500.00 | 1.01 | 1.01 | 1.01 | 8.98 |
2020 | 2,500.00 | 0.79 | 0.79 | 0.79 | 9.77 |
2021 | 2,500.00 | 1.08 | 1.08 | 1.08 | 10.28 |
2022 | 2,500.00 | 1.44 | 1.44 | 1.38 | 10.75 |
Multiple Ratios (End of Period Price)
Ratios And Multiples
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
Q1 2014 | 25.99 | 25.99 | 1.63 |
Q2 2014 | 23.91 | 23.91 | 1.56 |
Q3 2014 | 30.40 | 30.40 | 2.07 |
Q4 2014 | 24.19 | 24.19 | 1.70 |
Q1 2015 | 25.14 | 25.14 | 1.89 |
Q2 2015 | 24.67 | 24.67 | 1.89 |
Q3 2015 | 17.83 | 17.83 | 1.39 |
Q4 2015 | 15.07 | 15.07 | 1.21 |
Q1 2016 | 12.67 | 12.67 | 1.07 |
Q2 2016 | 12.55 | 12.55 | 1.07 |
Q3 2016 | 11.40 | 11.40 | 0.91 |
Q4 2016 | 15.05 | 15.05 | 1.18 |
Q1 2017 | 14.70 | 14.70 | 1.15 |
Q2 2017 | 14.18 | 14.18 | 1.18 |
Q3 2017 | 14.23 | 14.23 | 1.32 |
Q4 2017 | 14.27 | 14.27 | 1.41 |
Q1 2018 | 14.32 | 14.32 | 1.53 |
Q2 2018 | 14.12 | 14.12 | 1.64 |
Q3 2018 | 13.62 | 13.62 | 1.60 |
Q4 2018 | 12.07 | 14.98 | 1.62 |
Q1 2019 | 12.43 | 15.35 | 1.78 |
Q2 2019 | 12.31 | 15.12 | 1.74 |
Q3 2019 | 10.97 | 13.40 | 1.54 |
Q4 2019 | 14.91 | 14.91 | 1.69 |
Q1 2020 | 13.71 | 13.71 | 1.37 |
Q2 2020 | 13.37 | 13.37 | 1.24 |
Q3 2020 | 15.75 | 15.75 | 1.36 |
Q4 2020 | 16.38 | 16.38 | 1.32 |
Q1 2021 | 16.36 | 16.36 | 1.47 |
Q2 2021 | 17.72 | 17.72 | 1.67 |
Q3 2021 | 19.20 | 19.20 | 1.91 |
Q4 2021 | 17.59 | 17.59 | 1.86 |
Q1 2022 | 26.84 | 26.84 | 2.93 |
Q2 2022 | 21.72 | 21.72 | 2.52 |
Q3 2022 | 22.07 | 22.07 | 2.76 |
Q4 2022 | 18.82 | 18.82 | 2.42 |
Q1 2023 | 16.54 | 16.54 | 2.09 |
Q2 2023 | 17.36 | 17.36 | 2.39 |
Q3 2023 | 15.98 | 15.98 | 2.35 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
2013 | 22.24 | 22.24 | 1.33 |
2014 | 24.19 | 24.19 | 1.70 |
2015 | 15.07 | 15.07 | 1.21 |
2016 | 15.05 | 15.05 | 1.18 |
2017 | 14.27 | 14.27 | 1.41 |
2018 | 12.07 | 14.98 | 1.62 |
2019 | 15.06 | 15.06 | 1.69 |
2020 | 16.38 | 16.38 | 1.32 |
2021 | 17.75 | 17.75 | 1.86 |
2022 | 18.82 | 18.82 | 2.42 |
Business Segments (Million)
Q3 2023
Revenue by Business Segment (Latest) 2023 Q3
2023
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Investment Banking and Brokerage | Others |
---|---|---|---|---|---|
Q1 2014 | 186.32 | 270.65 | 133.18 | 9.69 | - |
Q2 2014 | 211.90 | 266.07 | 107.79 | 25.61 | - |
Q3 2014 | 217.99 | 326.18 | 116.88 | 26.28 | - |
Q4 2014 | 224.12 | 332.08 | 137.48 | 27.63 | - |
Q1 2015 | 247.68 | 326.48 | 123.74 | 31.70 | - |
Q2 2015 | 264.91 | 380.71 | 163.50 | 36.38 | - |
Q3 2015 | 266.23 | 333.07 | 78.56 | 30.08 | - |
Q4 2015 | 262.89 | 394.75 | 87.07 | 35.00 | - |
Q1 2016 | 271.68 | 317.10 | 105.45 | 40.10 | - |
Q2 2016 | 279.19 | 357.18 | 139.50 | 44.01 | - |
Q3 2016 | 296.86 | 369.34 | 121.78 | 40.73 | - |
Q4 2016 | 287.93 | 396.96 | 199.08 | 60.90 | - |
Q1 2017 | 381.21 | 424.83 | 147.59 | 51.22 | - |
Q2 2017 | 388.98 | 400.06 | 170.34 | 47.33 | - |
Q3 2017 | 419.81 | 416.05 | 180.54 | 46.35 | - |
Q4 2017 | 431.88 | 459.06 | 218.35 | 189.37 | - |
Q1 2018 | 451.77 | 384.81 | 205.15 | 68.03 | - |
Q2 2018 | 462.86 | 444.90 | 222.57 | 100.68 | - |
Q3 2018 | 502.29 | 452.86 | 146.49 | 110.06 | - |
Q4 2018 | 482.34 | 298.75 | 439.46 | 71.90 | - |
Q1 2019 | 591.63 | 437.92 | 174.13 | 85.95 | - |
Q2 2019 | 613.57 | 412.84 | 258.85 | 78.95 | - |
Q3 2019 | 636.28 | 478.53 | 241.64 | 84.52 | - |
Q4 2019 | 625.88 | 470.10 | 292.43 | 126.94 | - |
Q1 2020 | 704.81 | 422.91 | 32.69 | 107.63 | - |
Q2 2020 | 575.08 | 407.84 | 218.76 | 121.98 | - |
Q3 2020 | 609.10 | 531.29 | 199.35 | 140.09 | - |
Q4 2020 | 737.85 | 505.40 | 203.40 | 163.46 | - |
Q1 2021 | 676.62 | 504.98 | 243.84 | 180.82 | - |
Q2 2021 | 604.14 | 592.09 | 284.39 | 170.50 | - |
Q3 2021 | 649.17 | 683.65 | 242.45 | 146.79 | - |
Q4 2021 | 638.26 | 627.40 | 275.12 | 139.39 | - |
Q1 2022 | 627.88 | 582.67 | 397.78 | 199.28 | - |
Q2 2022 | 746.65 | 607.48 | 393.14 | 184.87 | - |
Q3 2022 | 1,002.78 | 618.33 | 290.26 | 164.05 | - |
Q4 2022 | 946.80 | 927.48 | 85.62 | 187.99 | - |
Q1 2023 | 979.97 | 796.62 | 229.90 | 172.92 | - |
Q2 2023 | 1,028.66 | 808.75 | 334.86 | 264.60 | - |
Q3 2023 | 1,249.82 | 790.62 | 278.61 | 221.59 | - |
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Investment Banking and Brokerage | Others |
---|---|---|---|---|---|
2013 | 631.42 | 1,125.24 | 481.39 | 41.04 | - |
2014 | 840.32 | 1,194.98 | 495.33 | 89.20 | - |
2015 | 1,041.71 | 1,435.02 | 452.87 | 133.15 | - |
2016 | 1,135.67 | 1,440.59 | 565.81 | 185.74 | - |
2017 | 1,621.88 | 1,700.00 | 716.81 | 334.27 | - |
2018 | 1,899.26 | 1,581.33 | 1,013.66 | 350.67 | - |
2019 | 2,467.37 | 1,799.39 | 967.05 | 376.36 | - |
2020 | 2,626.85 | 1,867.43 | 654.20 | 533.16 | - |
2021 | 2,568.18 | 2,408.12 | 1,045.80 | 637.49 | - |
2022 | 3,324.13 | 2,735.96 | 1,185.15 | 717.83 | - |
Analysts Estimates (Million)
Analysts Estimates (Million)
Item | Q3 2023 (e) | Q3 2023 (a) | Change |
---|---|---|---|
Average | 1,250.87 | 1,323.90 | 5.84 % |
Estimates vs Actual (Million)
Estimates Accuracy
Item | Q3 2023 (e) | Q3 2023 (a) | Change |
---|---|---|---|
Value Capital | 1,317.57 | 1,323.90 | 0.5 % |
Riyad Capital | 1,310.00 | 1,323.90 | 1.1 % |
OSOOL AND BAKHEET | 1,293.70 | 1,323.90 | 2.3 % |
FAB Securities | 1,290.00 | 1,323.90 | 2.6 % |
AlJazira Capital | 1,280.00 | 1,323.90 | 3.4 % |
SNB Capital | 1,269.00 | 1,323.90 | 4.3 % |
Hermes | 1,236.00 | 1,323.90 | 7.1 % |
Goldman Sachs | 1,200.00 | 1,323.90 | 10.3 % |
Bank of America | 1,187.45 | 1,323.90 | 11.5 % |
Sico | 1,125.00 | 1,323.90 | 17.7 % |
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