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Real Estate Mgmt & Dev't
Food & Beverages
- 9515 - FESH FASH
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- 9564 - HORIZON FOOD
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- 9587 - LANA
- 9600 - QOMEL
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Bank Albilad reported a net profit of SAR 1.31 billion in the first half of 2024, a leap of 15% from SAR 1.14 billion in the prior year period.
Financials (M)
Item | 6m 2023 | 6m 2024 | Change |
---|---|---|---|
Net Income from investments and financial activities | 2,053.53 | 2,129.50 | 3.7 % |
Operating Income | 2,629.65 | 2,749.09 | 4.5 % |
Total Provisions | (204.24) | (133.73) | 34.5 % |
Net Income | 1,145.80 | 1,313.90 | 14.7 % |
Average Shares | 1,250.00 | 1,250.00 | - |
EPS (Riyals) | 0.92 | 1.05 | 14.7 % |
EPS Diluted (Riyals) | 0.92 | 1.06 | 14.3 % |
The first-half net profit was driven by a rise of 4% year-on-year (YoY) in net income from investment and financing assets, on an 18% increase in the income from investment and financing assets, against a 37% rise in return on deposits and financial liabilities.
The bank also cited better income from dividends and other operations. However, this was offset by lower gains from foreign exchange (FX) income, as well as net fee and commission income.
Net impairment charge for expected credit losses decreased by 35% YoY, mainly due to a decrease in net impairment charge for expected credit losses on financing due to better quality and composition of the portfolio.
Current Quarter Comparison (M)
Item | Q2 2023 | Q2 2024 | Change |
---|---|---|---|
Net Income from investments and financial activities | 1,016.09 | 1,084.77 | 6.8 % |
Operating Income | 1,294.05 | 1,407.74 | 8.8 % |
Debt Provisions | (75.39) | (82.18) | (9.0 %) |
Net Income | 585.90 | 670.85 | 14.5 % |
Average Shares | 1,250.00 | 1,250.00 | - |
EPS (Riyals) | 0.47 | 0.54 | 14.5 % |
EPS Diluted (Riyal) | 0.47 | 0.54 | 14.2 % |
Item | Q1 2024 | Q2 2024 | Change |
---|---|---|---|
Net Income from investments and financial activities | 1,044.73 | 1,084.77 | 3.8 % |
Operating Income | 1,341.35 | 1,407.74 | 4.9 % |
Debt Provisions | (51.55) | (82.18) | (59.4 %) |
Net Income | 643.05 | 670.85 | 4.3 % |
Average Shares | 1,250.00 | 1,250.00 | - |
EPS (Riyals) | 0.51 | 0.54 | 4.3 % |
EPS Diluted (Riyal) | 0.52 | 0.54 | 4.1 % |
On the other hand, total operating expenses have decreased by 5% YoY due to a decline in net impairment charge for expected credit losses, other general and administrative expenses, as well as depreciation and amortization. However, salaries and employee-related benefits have increased.
In Q2 2024, the bank’s net profit jumped 15% to SAR 670.8 million from SAR 585.9 million in Q2 2023 as net income from investment and financing assets grew by 7% YoY, on a 7% rise in the income from investment and financing assets, against a 24% leap in return on deposits and financial liabilities.
Net earnings grew 4.3% from SAR 643 million in Q1 2024.
Balance Sheet (B)
Item | 6m 2023 | 6m 2024 | Change |
---|---|---|---|
Assets | 135.40 | 145.29 | 7.3 % |
Customer Deposits | 106.29 | 114.53 | 7.8 % |
Financing Investments | 98.85 | 104.31 | 5.5 % |
Shareholders’ equity, after minority interest, reached SAR 15.80 billion by June 30, 2024, compared to SAR 14.17 billion in the prior-year period.
View other reports
- TASI
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Energy
- 2222 - SAUDI ARAMCO
- 2030 - SARCO
- 2380 - PETRO RABIGH
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- 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
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- 2170 - ALUJAIN
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- 2300 - SPM
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- 3002 - NAJRAN CEMENT
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- 1321 - EAST PIPES
- 1322 - AMAK
- 2223 - LUBEREF
- 2360 - SVCP
- 1212 - ASTRA INDUSTRIAL
- 1302 - BAWAN
- 1303 - EIC
- 2040 - SAUDI CERAMICS
- 2110 - SAUDI CABLE
- 2160 - AMIANTIT
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- 2370 - MESC
- 4140 - SIECO
- 4141 - ALOMRAN
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- 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
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- 4003 - EXTRA
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- 4050 - SASCO
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- 4051 - BAAZEEM
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- 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
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- 1060 - SAB
- 1080 - ANB
- 1120 - ALRAJHI
- 1140 - ALBILAD
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- 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
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- 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
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- 8300 - WATANIYA
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- 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
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- 9510 - NBM
- 9528 - GAS
- 9531 - OBEIKAN GLASS
- 9533 - SPC
- 9529 - RAOOM
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- 9542 - KEIR
- 9547 - RAWASI
- 9568 - MAYAR
- 9569 - ALMUNEEF
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- 9560 - WAJA
- 9611 - UFG
- 9540 - TADWEEER
- 9545 - ALDAWLIAH
- 9570 - TAM DEVELOPMENT
- 9581 - CLEAN LIFE
- 9593 - PAN GULF
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- 9608 - ALASHGHAL ALMOYSRA
- 9606 - THARWAH
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- 9541 - ACADEMY OF LEARNING
- 9562 - FOOD GATE
- 9590 - ARMAH
- 9526 - JAHEZ
- 9598 - ALMOHAFAZA FOR EDUCATION
- 9603 - HORIZON EDUCATIONAL
- 9567 - GHIDA ALSULTAN
Share Price
Bank Albilad (ALBILAD)
Current | |
Market Cap (M) | 44,937.50 |
Shares Outstanding ((M)) | 1,250.00 |
EPS ( Riyal) (TTM) | 2.10 |
EPS Diluted ( Riyal) (TTM) | 2.11 |
Book Value (BV) ( Riyal) | 12.91 |
Par Value ( Riyal) | 10.00 |
Adjusted P/E (Last12) | 17.13 |
P/E (TTM) | 17.13 |
Price/book | 2.79 |
Return on Average Assets (%) (TTM) | 1.8 |
Return on Average Equity (%) (TTM) | 17.1 |
Financial results (Million)
Financial results (Million)
Period | Net Income from investments and financial activities | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
Q1 2015 | 271.92 | 19.8 % | 555.18 | 16.3 % | (16.12) | (246.6 %) |
Q2 2015 | 286.56 | 10.7 % | 584.92 | 9.5 % | (29.13) | (19.3 %) |
Q3 2015 | 293.70 | 11.1 % | 566.39 | 2.9 % | (25.73) | (381.7 %) |
Q4 2015 | 310.22 | 15.4 % | 588.13 | 9.9 % | (7.72) | (128.1 %) |
2015 | 1,162.39 | 14.1 % | 2,294.62 | 9.4 % | (78.69) | (1146.7 %) |
Q1 2016 | 333.75 | 22.7 % | 626.99 | 12.9 % | (56.41) | (250.0 %) |
Q2 2016 | 348.66 | 21.7 % | 641.50 | 9.7 % | (53.93) | (85.1 %) |
Q3 2016 | 361.74 | 23.2 % | 638.56 | 12.7 % | (37.68) | (46.4 %) |
Q4 2016 | 363.76 | 17.3 % | 680.38 | 15.7 % | (43.20) | (459.8 %) |
2016 | 1,407.91 | 21.1 % | 2,587.43 | 12.8 % | (191.21) | (143.0 %) |
Q1 2017 | 391.74 | 17.4 % | 690.77 | 10.2 % | (50.41) | 10.6 % |
Q2 2017 | 431.50 | 23.8 % | 721.51 | 12.5 % | (76.67) | (42.2 %) |
Q3 2017 | 448.83 | 24.1 % | 762.94 | 19.5 % | (115.98) | (207.8 %) |
Q4 2017 | 466.93 | 28.4 % | 784.35 | 15.3 % | (135.57) | (213.8 %) |
2017 | 1,739.00 | 23.5 % | 2,959.58 | 14.4 % | (378.63) | (98.0 %) |
Q1 2018 | 488.24 | 24.6 % | 790.97 | 14.5 % | (95.11) | (88.7 %) |
Q2 2018 | 521.40 | 20.8 % | 842.68 | 16.8 % | (135.25) | (76.4 %) |
Q3 2018 | 552.13 | 23.0 % | 880.25 | 15.4 % | (148.14) | (27.7 %) |
Q4 2018 | 602.46 | 29.0 % | 902.12 | 15.0 % | (111.95) | 17.4 % |
2018 | 2,164.23 | 24.5 % | 3,416.02 | 15.4 % | (490.45) | (29.5 %) |
Q1 2019 | 597.09 | 22.3 % | 921.41 | 16.5 % | (124.83) | (31.2 %) |
Q2 2019 | 693.10 | 32.9 % | 959.24 | 13.8 % | (137.81) | (1.9 %) |
Q3 2019 | 728.59 | 32.0 % | 1,023.65 | 16.3 % | (140.75) | 5.0 % |
Q4 2019 | 771.12 | 28.0 % | 1,041.04 | 15.4 % | (139.70) | (24.8 %) |
2019 | 2,823.76 | 30.5 % | 3,945.35 | 15.5 % | (543.09) | (10.7 %) |
Q1 2020 | 769.08 | 28.8 % | 1,004.15 | 9.0 % | (208.05) | (66.7 %) |
Q2 2020 | 821.22 | 18.5 % | 999.51 | 4.2 % | (145.92) | (5.9 %) |
Q3 2020 | 855.52 | 17.4 % | 1,112.62 | 8.7 % | (160.29) | (13.9 %) |
Q4 2020 | 846.81 | 9.8 % | 1,139.90 | 9.5 % | (180.25) | (29.0 %) |
2020 | 3,292.63 | 16.6 % | 4,262.05 | 8.0 % | (694.51) | (27.9 %) |
Q1 2021 | 858.76 | 11.7 % | 1,132.99 | 12.8 % | (169.50) | 18.5 % |
Q2 2021 | 842.49 | 2.6 % | 1,131.04 | 13.2 % | (136.35) | 6.6 % |
Q3 2021 | 886.75 | 3.7 % | 1,174.47 | 5.6 % | (142.50) | 11.1 % |
Q4 2021 | 901.49 | 6.5 % | 1,146.81 | 0.6 % | (121.33) | 32.7 % |
2021 | 3,489.49 | 6.0 % | 4,583.95 | 7.6 % | (569.67) | 18.0 % |
Q1 2022 | 944.46 | 10.0 % | 1,264.51 | 11.6 % | (159.53) | 5.9 % |
Q2 2022 | 956.66 | 13.6 % | 1,252.76 | 10.8 % | (120.43) | 11.7 % |
Q3 2022 | 1,003.38 | 13.2 % | 1,325.49 | 12.9 % | (132.06) | 7.3 % |
Q4 2022 | 982.17 | 8.9 % | 1,348.67 | 17.6 % | (138.63) | (14.3 %) |
2022 | 3,886.67 | 11.4 % | 5,191.43 | 13.3 % | (550.65) | 3.3 % |
Q1 2023 | 1,037.44 | 9.8 % | 1,335.61 | 5.6 % | (128.85) | 19.2 % |
Q2 2023 | 1,016.09 | 6.2 % | 1,294.05 | 3.3 % | (75.39) | 37.4 % |
Q3 2023 | 1,051.99 | 4.8 % | 1,335.84 | 0.8 % | (72.58) | 45.0 % |
Q4 2023 | 1,004.32 | 2.3 % | 1,337.30 | (0.8 %) | (47.01) | 66.1 % |
2023 | 4,109.84 | 5.7 % | 5,302.79 | 2.1 % | (323.83) | 41.2 % |
Q1 2024 | 1,044.73 | 0.7 % | 1,341.35 | 0.4 % | (51.55) | 60.0 % |
Q2 2024 | 1,084.77 | 6.8 % | 1,407.74 | 8.8 % | (82.18) | (9.0 %) |
Period | Net Income from investments and financial activities | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
2014 | 1,019.18 | 7.7 % | 2,097.05 | 9.4 % | 7.52 | 104.3 % |
2015 | 1,162.39 | 14.1 % | 2,294.62 | 9.4 % | (78.69) | (1146.7 %) |
2016 | 1,407.91 | 21.1 % | 2,587.43 | 12.8 % | (191.21) | (143.0 %) |
2017 | 1,739.00 | 23.5 % | 2,959.58 | 14.4 % | (378.63) | (98.0 %) |
2018 | 2,164.23 | 24.5 % | 3,416.02 | 15.4 % | (490.45) | (29.5 %) |
2019 | 2,823.76 | 30.5 % | 3,945.35 | 15.5 % | (543.09) | (10.7 %) |
2020 | 3,292.63 | 16.6 % | 4,262.05 | 8.0 % | (694.51) | (27.9 %) |
2021 | 3,489.49 | 6.0 % | 4,583.95 | 7.6 % | (569.67) | 18.0 % |
2022 | 3,886.67 | 11.4 % | 5,191.43 | 13.3 % | (550.65) | 3.3 % |
2023 | 4,109.84 | 5.7 % | 5,302.79 | 2.1 % | (323.83) | 41.2 % |
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 2015 | 174.14 | 0.2 % | 0.14 | - | 174.14 | 0.14 |
Q2 2015 | 206.46 | 1.0 % | 0.17 | - | 206.46 | 0.17 |
Q3 2015 | 203.44 | (14.2 %) | 0.16 | - | 203.44 | 0.16 |
Q4 2015 | 204.38 | (17.9 %) | 0.16 | - | 204.38 | 0.16 |
2015 | 788.42 | (8.8 %) | 0.63 | - | 788.42 | 0.63 |
Q1 2016 | 174.52 | 0.2 % | 0.14 | - | 174.52 | 0.14 |
Q2 2016 | 183.87 | (10.9 %) | 0.15 | - | 183.87 | 0.15 |
Q3 2016 | 227.81 | 12.0 % | 0.18 | - | 227.81 | 0.18 |
Q4 2016 | 221.52 | 8.4 % | 0.18 | - | 221.52 | 0.18 |
2016 | 807.72 | 2.4 % | 0.65 | - | 807.72 | 0.65 |
Q1 2017 | 229.38 | 31.4 % | 0.18 | - | 229.38 | 0.18 |
Q2 2017 | 238.76 | 29.8 % | 0.19 | - | 238.76 | 0.19 |
Q3 2017 | 248.05 | 8.9 % | 0.20 | - | 248.05 | 0.20 |
Q4 2017 | 225.86 | 2.0 % | 0.18 | - | 225.86 | 0.18 |
2017 | 942.05 | 16.6 % | 0.75 | - | 942.05 | 0.75 |
Q1 2018 | 246.11 | 7.3 % | 0.20 | - | 246.11 | 0.20 |
Q2 2018 | 265.90 | 11.4 % | 0.21 | - | 265.90 | 0.21 |
Q3 2018 | 237.02 | (4.4 %) | 0.19 | - | 237.02 | 0.19 |
Q4 2018 | (136.32) | (160.4 %) | (0.11) | (392.80) | 256.48 | 0.21 |
2018 | 612.71 | (35.0 %) | 0.49 | (392.80) | 1,005.51 | 0.80 |
Q1 2019 | 284.89 | 15.8 % | 0.23 | - | 284.89 | 0.23 |
Q2 2019 | 304.91 | 14.7 % | 0.24 | - | 304.91 | 0.24 |
Q3 2019 | 326.63 | 37.8 % | 0.26 | - | 326.63 | 0.26 |
Q4 2019 | 327.15 | 340.0 % | 0.26 | - | 327.15 | 0.26 |
2019 | 1,243.74 | 103.0 % | 0.99 | - | 1,243.74 | 0.99 |
Q1 2020 | 270.04 | (5.2 %) | 0.22 | - | 270.04 | 0.22 |
Q2 2020 | 318.06 | 4.3 % | 0.25 | - | 318.06 | 0.25 |
Q3 2020 | 382.61 | 17.1 % | 0.31 | - | 382.61 | 0.31 |
Q4 2020 | 377.81 | 15.5 % | 0.30 | - | 377.81 | 0.30 |
2020 | 1,348.52 | 8.4 % | 1.08 | - | 1,348.52 | 1.08 |
Q1 2021 | 392.75 | 45.4 % | 0.31 | - | 392.75 | 0.31 |
Q2 2021 | 416.09 | 30.8 % | 0.33 | - | 416.09 | 0.33 |
Q3 2021 | 449.70 | 17.5 % | 0.36 | - | 449.70 | 0.36 |
Q4 2021 | 427.99 | 13.3 % | 0.34 | - | 427.99 | 0.34 |
2021 | 1,686.54 | 25.1 % | 1.35 | - | 1,686.54 | 1.35 |
Q1 2022 | 490.31 | 24.8 % | 0.39 | - | 490.31 | 0.39 |
Q2 2022 | 510.98 | 22.8 % | 0.41 | - | 510.98 | 0.41 |
Q3 2022 | 540.65 | 20.2 % | 0.43 | - | 540.65 | 0.43 |
Q4 2022 | 539.75 | 26.1 % | 0.43 | - | 539.75 | 0.43 |
2022 | 2,081.69 | 23.4 % | 1.67 | - | 2,081.69 | 1.67 |
Q1 2023 | 559.90 | 14.2 % | 0.45 | - | 559.90 | 0.45 |
Q2 2023 | 585.90 | 14.7 % | 0.47 | - | 585.90 | 0.47 |
Q3 2023 | 616.17 | 14.0 % | 0.49 | - | 616.17 | 0.49 |
Q4 2023 | 606.97 | 12.5 % | 0.49 | - | 606.97 | 0.49 |
2023 | 2,368.94 | 13.8 % | 1.90 | - | 2,368.94 | 1.90 |
Q1 2024 | 643.05 | 14.9 % | 0.51 | - | 643.05 | 0.51 |
Q2 2024 | 670.85 | 14.5 % | 0.54 | - | 670.85 | 0.54 |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
2014 | 864.03 | 18.5 % | 0.69 | - | 864.03 | 0.69 |
2015 | 788.42 | (8.8 %) | 0.63 | - | 788.42 | 0.63 |
2016 | 807.72 | 2.4 % | 0.65 | - | 807.72 | 0.65 |
2017 | 942.05 | 16.6 % | 0.75 | - | 942.05 | 0.75 |
2018 | 612.71 | (35.0 %) | 0.49 | (392.80) | 1,005.51 | 0.80 |
2019 | 1,243.74 | 103.0 % | 0.99 | - | 1,243.74 | 0.99 |
2020 | 1,348.52 | 8.4 % | 1.08 | - | 1,348.52 | 1.08 |
2021 | 1,686.54 | 25.1 % | 1.35 | - | 1,686.54 | 1.35 |
2022 | 2,081.69 | 23.4 % | 1.67 | - | 2,081.69 | 1.67 |
2023 | 2,368.94 | 13.8 % | 1.90 | - | 2,368.94 | 1.90 |
Balance Sheet (B)
Balance Sheet Performance (B)
Period | Assets | Change | Customer Deposits | Change | Financing Investments | Change |
---|---|---|---|---|---|---|
Q1 2015 | 46.31 | 18.7 % | 37.86 | 20.6 % | 29.09 | 19.8 % |
Q2 2015 | 49.14 | 19.9 % | 38.30 | 14.8 % | 31.68 | 18.4 % |
Q3 2015 | 49.50 | 12.3 % | 40.72 | 10.6 % | 32.29 | 17.3 % |
Q4 2015 | 51.22 | 13.2 % | 42.18 | 14.9 % | 34.25 | 20.8 % |
Q1 2016 | 54.30 | 17.2 % | 43.93 | 16.0 % | 37.33 | 28.3 % |
Q2 2016 | 54.33 | 10.5 % | 42.12 | 10.0 % | 36.93 | 16.6 % |
Q3 2016 | 55.65 | 12.4 % | 41.24 | 1.3 % | 36.25 | 12.3 % |
Q4 2016 | 53.75 | 4.9 % | 40.23 | (4.6 %) | 36.18 | 5.6 % |
Q1 2017 | 57.29 | 5.5 % | 43.54 | (0.9 %) | 38.70 | 3.7 % |
Q2 2017 | 59.73 | 9.9 % | 44.97 | 6.8 % | 40.66 | 10.1 % |
Q3 2017 | 62.53 | 12.4 % | 46.40 | 12.5 % | 41.81 | 15.4 % |
Q4 2017 | 63.21 | 17.6 % | 47.78 | 18.8 % | 43.45 | 20.1 % |
Q1 2018 | 65.78 | 14.8 % | 50.77 | 16.6 % | 45.62 | 17.9 % |
Q2 2018 | 68.41 | 14.5 % | 52.18 | 16.0 % | 47.34 | 16.4 % |
Q3 2018 | 70.71 | 13.1 % | 54.57 | 17.6 % | 49.74 | 18.9 % |
Q4 2018 | 73.64 | 16.5 % | 57.18 | 19.7 % | 50.59 | 16.4 % |
Q1 2019 | 72.90 | 10.8 % | 57.59 | 13.4 % | 51.40 | 12.7 % |
Q2 2019 | 76.97 | 12.5 % | 59.32 | 13.7 % | 53.62 | 13.3 % |
Q3 2019 | 81.16 | 14.8 % | 64.06 | 17.4 % | 56.40 | 13.4 % |
Q4 2019 | 86.00 | 16.8 % | 67.11 | 17.4 % | 59.29 | 17.2 % |
Q1 2020 | 88.40 | 21.3 % | 68.38 | 18.7 % | 62.46 | 21.5 % |
Q2 2020 | 88.86 | 15.5 % | 64.88 | 9.4 % | 64.92 | 21.1 % |
Q3 2020 | 92.31 | 13.7 % | 68.88 | 7.5 % | 67.76 | 20.2 % |
Q4 2020 | 95.75 | 11.3 % | 71.55 | 6.6 % | 70.11 | 18.3 % |
Q1 2021 | 102.52 | 16.0 % | 76.96 | 12.6 % | 75.53 | 20.9 % |
Q2 2021 | 107.65 | 21.2 % | 81.64 | 25.8 % | 79.13 | 21.9 % |
Q3 2021 | 111.61 | 20.9 % | 82.35 | 19.5 % | 81.80 | 20.7 % |
Q4 2021 | 110.85 | 15.8 % | 81.11 | 13.4 % | 82.93 | 18.3 % |
Q1 2022 | 116.44 | 13.6 % | 86.08 | 11.8 % | 86.39 | 14.4 % |
Q2 2022 | 121.51 | 12.9 % | 89.11 | 9.2 % | 91.21 | 15.3 % |
Q3 2022 | 127.02 | 13.8 % | 93.89 | 14.0 % | 92.29 | 12.8 % |
Q4 2022 | 129.54 | 16.9 % | 94.84 | 16.9 % | 91.18 | 9.9 % |
Q1 2023 | 135.37 | 16.3 % | 105.48 | 22.5 % | 95.48 | 10.5 % |
Q2 2023 | 135.40 | 11.4 % | 106.29 | 19.3 % | 98.85 | 8.4 % |
Q3 2023 | 137.57 | 8.3 % | 108.92 | 16.0 % | 101.60 | 10.1 % |
Q4 2023 | 143.11 | 10.5 % | 112.83 | 19.0 % | 102.08 | 12.0 % |
Q1 2024 | 143.70 | 6.2 % | 113.74 | 7.8 % | 103.31 | 8.2 % |
Q2 2024 | 145.29 | 7.3 % | 114.53 | 7.8 % | 104.31 | 5.5 % |
Period | Assets | Change | Customer Deposits | Change | Financing Investments | Change |
---|---|---|---|---|---|---|
3m 2015 | 46.31 | 18.7 % | 37.86 | 20.6 % | 29.09 | 19.8 % |
6m 2015 | 49.14 | 19.9 % | 38.30 | 14.8 % | 31.68 | 18.4 % |
9m 2015 | 49.50 | 12.3 % | 40.72 | 10.6 % | 32.29 | 17.3 % |
12m 2015 | 51.22 | 13.2 % | 42.18 | 14.9 % | 34.25 | 20.8 % |
3m 2016 | 54.30 | 17.2 % | 43.93 | 16.0 % | 37.33 | 28.3 % |
6m 2016 | 54.33 | 10.5 % | 42.12 | 10.0 % | 36.93 | 16.6 % |
9m 2016 | 55.65 | 12.4 % | 41.24 | 1.3 % | 36.25 | 12.3 % |
12m 2016 | 53.75 | 4.9 % | 40.23 | (4.6 %) | 36.18 | 5.6 % |
3m 2017 | 57.29 | 5.5 % | 43.54 | (0.9 %) | 38.70 | 3.7 % |
6m 2017 | 59.73 | 9.9 % | 44.97 | 6.8 % | 40.66 | 10.1 % |
9m 2017 | 62.53 | 12.4 % | 46.40 | 12.5 % | 41.81 | 15.4 % |
12m 2017 | 63.21 | 17.6 % | 47.78 | 18.8 % | 43.45 | 20.1 % |
3m 2018 | 65.78 | 14.8 % | 50.77 | 16.6 % | 45.62 | 17.9 % |
6m 2018 | 68.41 | 14.5 % | 52.18 | 16.0 % | 47.34 | 16.4 % |
9m 2018 | 70.71 | 13.1 % | 54.57 | 17.6 % | 49.74 | 18.9 % |
12m 2018 | 73.64 | 16.5 % | 57.18 | 19.7 % | 50.59 | 16.4 % |
3m 2019 | 72.90 | 10.8 % | 57.59 | 13.4 % | 51.40 | 12.7 % |
6m 2019 | 76.97 | 12.5 % | 59.32 | 13.7 % | 53.62 | 13.3 % |
9m 2019 | 81.16 | 14.8 % | 64.06 | 17.4 % | 56.40 | 13.4 % |
12m 2019 | 86.00 | 16.8 % | 67.11 | 17.4 % | 59.29 | 17.2 % |
3m 2020 | 88.40 | 21.3 % | 68.38 | 18.7 % | 62.46 | 21.5 % |
6m 2020 | 88.86 | 15.5 % | 64.88 | 9.4 % | 64.92 | 21.1 % |
9m 2020 | 92.31 | 13.7 % | 68.88 | 7.5 % | 67.76 | 20.2 % |
12m 2020 | 95.75 | 11.3 % | 71.55 | 6.6 % | 70.11 | 18.3 % |
3m 2021 | 102.52 | 16.0 % | 76.96 | 12.6 % | 75.53 | 20.9 % |
6m 2021 | 107.65 | 21.2 % | 81.64 | 25.8 % | 79.13 | 21.9 % |
9m 2021 | 111.61 | 20.9 % | 82.35 | 19.5 % | 81.80 | 20.7 % |
12m 2021 | 110.85 | 15.8 % | 81.11 | 13.4 % | 82.93 | 18.3 % |
3m 2022 | 116.44 | 13.6 % | 86.08 | 11.8 % | 86.39 | 14.4 % |
6m 2022 | 121.51 | 12.9 % | 89.11 | 9.2 % | 91.21 | 15.3 % |
9m 2022 | 127.02 | 13.8 % | 93.89 | 14.0 % | 92.29 | 12.8 % |
12m 2022 | 129.54 | 16.9 % | 94.84 | 16.9 % | 91.18 | 9.9 % |
3m 2023 | 135.37 | 16.3 % | 105.48 | 22.5 % | 95.48 | 10.5 % |
6m 2023 | 135.40 | 11.4 % | 106.29 | 19.3 % | 98.85 | 8.4 % |
9m 2023 | 137.57 | 8.3 % | 108.92 | 16.0 % | 101.60 | 10.1 % |
12m 2023 | 143.11 | 10.5 % | 112.83 | 19.0 % | 102.08 | 12.0 % |
3m 2024 | 143.70 | 6.2 % | 113.74 | 7.8 % | 103.31 | 8.2 % |
6m 2024 | 145.29 | 7.3 % | 114.53 | 7.8 % | 104.31 | 5.5 % |
Period | Assets | Change | Customer Deposits | Change | Financing Investments | Change |
---|---|---|---|---|---|---|
2014 | 45.23 | 24.5 % | 36.72 | 26.2 % | 28.36 | 21.1 % |
2015 | 51.22 | 13.2 % | 42.18 | 14.9 % | 34.25 | 20.8 % |
2016 | 53.75 | 4.9 % | 40.23 | (4.6 %) | 36.18 | 5.6 % |
2017 | 63.21 | 17.6 % | 47.78 | 18.8 % | 43.45 | 20.1 % |
2018 | 73.64 | 16.5 % | 57.18 | 19.7 % | 50.59 | 16.4 % |
2019 | 86.00 | 16.8 % | 67.11 | 17.4 % | 59.29 | 17.2 % |
2020 | 95.75 | 11.3 % | 71.55 | 6.6 % | 70.11 | 18.3 % |
2021 | 110.85 | 15.8 % | 81.11 | 13.4 % | 82.93 | 18.3 % |
2022 | 129.54 | 16.9 % | 94.84 | 16.9 % | 91.18 | 9.9 % |
2023 | 143.11 | 10.5 % | 112.83 | 19.0 % | 102.08 | 12.0 % |
Profitability
Profitability
Period | Return On Average Assets | Return on Average Equity | Net Profit/Investment Income & Other Financing Operations |
---|---|---|---|
Q1 2015 | 2.03 % | 15.21 % | 77.12 % |
Q2 2015 | 1.92 % | 14.99 % | 75.48 % |
Q3 2015 | 1.78 % | 13.97 % | 70.53 % |
Q4 2015 | 1.63 % | 12.78 % | 63.64 % |
2015 | 1.63 % | 12.78 % | 63.64 % |
Q1 2016 | 1.57 % | 12.52 % | 58.43 % |
Q2 2016 | 1.48 % | 11.97 % | 51.62 % |
Q3 2016 | 1.50 % | 12.02 % | 48.25 % |
Q4 2016 | 1.54 % | 11.92 % | 45.62 % |
2016 | 1.54 % | 11.92 % | 45.62 % |
Q1 2017 | 1.55 % | 12.46 % | 46.47 % |
Q2 2017 | 1.61 % | 13.11 % | 47.26 % |
Q3 2017 | 1.59 % | 12.93 % | 46.38 % |
Q4 2017 | 1.61 % | 12.82 % | 44.50 % |
2017 | 1.61 % | 12.82 % | 44.50 % |
Q1 2018 | 1.56 % | 12.74 % | 42.90 % |
Q2 2018 | 1.54 % | 13.15 % | 41.61 % |
Q3 2018 | 1.46 % | 12.56 % | 38.56 % |
Q4 2018 | 0.90 % | 7.95 % | 22.50 % |
2018 | 0.90 % | 7.95 % | 22.50 % |
Q1 2019 | 0.94 % | 8.15 % | 22.51 % |
Q2 2019 | 0.95 % | 8.35 % | 22.37 % |
Q3 2019 | 1.03 % | 9.17 % | 23.87 % |
Q4 2019 | 1.56 % | 14.41 % | 36.28 % |
2019 | 1.56 % | 14.41 % | 35.93 % |
Q1 2020 | 1.52 % | 13.79 % | 34.46 % |
Q2 2020 | 1.50 % | 13.27 % | 34.22 % |
Q3 2020 | 1.50 % | 13.38 % | 35.54 % |
Q4 2020 | 1.48 % | 13.37 % | 37.18 % |
2020 | 1.48 % | 13.37 % | 37.18 % |
Q1 2021 | 1.54 % | 14.43 % | 40.52 % |
Q2 2021 | 1.60 % | 14.73 % | 43.19 % |
Q3 2021 | 1.60 % | 14.75 % | 44.40 % |
Q4 2021 | 1.63 % | 14.85 % | 44.84 % |
2021 | 1.63 % | 14.85 % | 44.84 % |
Q1 2022 | 1.63 % | 15.40 % | 45.86 % |
Q2 2022 | 1.64 % | 15.64 % | 45.62 % |
Q3 2022 | 1.65 % | 15.82 % | 44.11 % |
Q4 2022 | 1.73 % | 16.40 % | 41.87 % |
2022 | 1.73 % | 16.40 % | 41.87 % |
Q1 2023 | 1.71 % | 16.29 % | 38.22 % |
Q2 2023 | 1.73 % | 16.63 % | 35.17 % |
Q3 2023 | 1.74 % | 16.65 % | 32.91 % |
Q4 2023 | 1.74 % | 16.53 % | 31.40 % |
2023 | 1.74 % | 16.53 % | 31.40 % |
Q1 2024 | 1.76 % | 16.47 % | 31.01 % |
Q2 2024 | 1.81 % | 16.93 % | 31.05 % |
Period | Return On Average Assets | Return on Average Equity | Net Profit/Investment Income & Other Financing Operations |
---|---|---|---|
2014 | 2.12 % | 15.72 % | 80.55 % |
2015 | 1.63 % | 12.78 % | 63.64 % |
2016 | 1.54 % | 11.92 % | 45.62 % |
2017 | 1.61 % | 12.82 % | 44.50 % |
2018 | 0.90 % | 7.95 % | 22.50 % |
2019 | 1.56 % | 14.41 % | 35.93 % |
2020 | 1.48 % | 13.37 % | 37.18 % |
2021 | 1.63 % | 14.85 % | 44.84 % |
2022 | 1.73 % | 16.40 % | 41.87 % |
2023 | 1.74 % | 16.53 % | 31.40 % |
Ratios
Ratios
Period | Customer Deposits Per Total Assets | Financing Investments/Customer Deposits | Financing Investments/Total Assets |
---|---|---|---|
Q1 2015 | 81.74 % | 76.84 % | 62.81 % |
Q2 2015 | 77.94 % | 82.72 % | 64.47 % |
Q3 2015 | 82.26 % | 79.30 % | 65.24 % |
Q4 2015 | 82.35 % | 81.21 % | 66.88 % |
Q1 2016 | 80.90 % | 84.98 % | 68.75 % |
Q2 2016 | 77.53 % | 87.68 % | 67.98 % |
Q3 2016 | 74.12 % | 87.88 % | 65.14 % |
Q4 2016 | 74.86 % | 89.92 % | 67.31 % |
Q1 2017 | 76.00 % | 88.89 % | 67.55 % |
Q2 2017 | 75.29 % | 90.42 % | 68.08 % |
Q3 2017 | 74.20 % | 90.12 % | 66.87 % |
Q4 2017 | 75.60 % | 90.93 % | 68.74 % |
Q1 2018 | 77.19 % | 89.84 % | 69.35 % |
Q2 2018 | 76.28 % | 90.73 % | 69.20 % |
Q3 2018 | 77.18 % | 91.14 % | 70.34 % |
Q4 2018 | 77.65 % | 88.48 % | 68.70 % |
Q1 2019 | 79.00 % | 89.26 % | 70.51 % |
Q2 2019 | 77.07 % | 90.40 % | 69.67 % |
Q3 2019 | 78.92 % | 88.04 % | 69.49 % |
Q4 2019 | 78.03 % | 88.35 % | 68.94 % |
Q1 2020 | 77.35 % | 91.35 % | 70.66 % |
Q2 2020 | 73.01 % | 100.07 % | 73.06 % |
Q3 2020 | 74.62 % | 98.37 % | 73.41 % |
Q4 2020 | 74.73 % | 97.99 % | 73.22 % |
Q1 2021 | 75.07 % | 98.14 % | 73.68 % |
Q2 2021 | 75.84 % | 96.93 % | 73.51 % |
Q3 2021 | 73.78 % | 99.34 % | 73.29 % |
Q4 2021 | 73.17 % | 102.25 % | 74.81 % |
Q1 2022 | 73.92 % | 100.36 % | 74.19 % |
Q2 2022 | 73.33 % | 102.35 % | 75.06 % |
Q3 2022 | 73.91 % | 98.30 % | 72.66 % |
Q4 2022 | 73.21 % | 96.14 % | 70.39 % |
Q1 2023 | 77.92 % | 90.52 % | 70.54 % |
Q2 2023 | 78.50 % | 93.01 % | 73.01 % |
Q3 2023 | 79.17 % | 93.29 % | 73.85 % |
Q4 2023 | 78.84 % | 90.47 % | 71.33 % |
Q1 2024 | 79.15 % | 90.83 % | 71.89 % |
Q2 2024 | 78.83 % | 91.08 % | 71.79 % |
Period | Customer Deposits Per Total Assets | Financing Investments/Customer Deposits | Financing Investments/Total Assets |
---|---|---|---|
2014 | 81.19 % | 77.21 % | 62.69 % |
2015 | 82.35 % | 81.21 % | 66.88 % |
2016 | 74.86 % | 89.92 % | 67.31 % |
2017 | 75.60 % | 90.93 % | 68.74 % |
2018 | 77.65 % | 88.48 % | 68.70 % |
2019 | 78.03 % | 88.35 % | 68.94 % |
2020 | 74.73 % | 97.99 % | 73.22 % |
2021 | 73.17 % | 102.25 % | 74.81 % |
2022 | 73.21 % | 96.14 % | 70.39 % |
2023 | 78.84 % | 90.47 % | 71.33 % |
Per Share Data (Riyal)
Per Share Data (Riyal)
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
Q1 2015 | 1,250.00 | 0.69 | 0.69 | - | 4.86 |
Q2 2015 | 1,250.00 | 0.69 | 0.69 | - | 4.87 |
Q3 2015 | 1,250.00 | 0.67 | 0.67 | - | 4.98 |
Q4 2015 | 1,250.00 | 0.63 | 0.63 | - | 5.15 |
Q1 2016 | 1,250.00 | 0.63 | 0.63 | - | 5.22 |
Q2 2016 | 1,250.00 | 0.61 | 0.61 | - | 5.37 |
Q3 2016 | 1,250.00 | 0.63 | 0.63 | - | 5.54 |
Q4 2016 | 1,250.00 | 0.65 | 0.65 | - | 5.69 |
Q1 2017 | 1,250.00 | 0.69 | 0.69 | - | 5.86 |
Q2 2017 | 1,250.00 | 0.73 | 0.73 | - | 5.83 |
Q3 2017 | 1,250.00 | 0.75 | 0.75 | - | 6.06 |
Q4 2017 | 1,250.00 | 0.75 | 0.75 | - | 6.07 |
Q1 2018 | 1,250.00 | 0.77 | 0.77 | - | 6.18 |
Q2 2018 | 1,250.00 | 0.79 | 0.79 | - | 6.17 |
Q3 2018 | 1,250.00 | 0.78 | 0.78 | - | 6.35 |
Q4 2018 | 1,250.00 | 0.49 | 0.80 | - | 6.27 |
Q1 2019 | 1,250.00 | 0.52 | 0.84 | - | 6.62 |
Q2 2019 | 1,250.00 | 0.55 | 0.87 | - | 7.06 |
Q3 2019 | 1,250.00 | 0.62 | 0.94 | - | 7.26 |
Q4 2019 | 1,250.00 | 0.99 | 0.99 | - | 7.54 |
Q1 2020 | 1,250.00 | 0.98 | 0.98 | - | 7.64 |
Q2 2020 | 1,250.00 | 0.99 | 0.99 | - | 7.91 |
Q3 2020 | 1,250.00 | 1.04 | 1.04 | - | 8.26 |
Q4 2020 | 1,250.00 | 1.08 | 1.08 | - | 8.59 |
Q1 2021 | 1,250.00 | 1.18 | 1.18 | - | 8.67 |
Q2 2021 | 1,250.00 | 1.26 | 1.26 | - | 9.13 |
Q3 2021 | 1,250.00 | 1.31 | 1.31 | - | 9.49 |
Q4 2021 | 1,250.00 | 1.35 | 1.35 | - | 9.58 |
Q1 2022 | 1,250.00 | 1.43 | 1.43 | - | 9.86 |
Q2 2022 | 1,250.00 | 1.50 | 1.50 | - | 10.09 |
Q3 2022 | 1,250.00 | 1.58 | 1.58 | - | 10.43 |
Q4 2022 | 1,250.00 | 1.67 | 1.67 | 1.66 | 10.72 |
Q1 2023 | 1,250.00 | 1.72 | 1.72 | 1.72 | 11.27 |
Q2 2023 | 1,250.00 | 1.78 | 1.78 | 1.78 | 11.34 |
Q3 2023 | 1,250.00 | 1.84 | 1.84 | 1.85 | 11.69 |
Q4 2023 | 1,250.00 | 1.90 | 1.90 | 1.91 | 12.21 |
Q1 2024 | 1,250.00 | 1.96 | 1.96 | 1.98 | 12.56 |
Q2 2024 | 1,250.00 | 2.03 | 2.03 | 2.04 | 12.64 |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
2014 | 1,250.00 | 0.69 | 0.69 | - | 4.71 |
2015 | 1,250.00 | 0.63 | 0.63 | - | 5.15 |
2016 | 1,250.00 | 0.65 | 0.65 | - | 5.69 |
2017 | 1,250.00 | 0.75 | 0.75 | - | 6.07 |
2018 | 1,250.00 | 0.49 | 0.80 | - | 6.27 |
2019 | 1,250.00 | 0.99 | 0.99 | - | 7.54 |
2020 | 1,250.00 | 1.08 | 1.08 | - | 8.59 |
2021 | 1,250.00 | 1.35 | 1.35 | - | 9.58 |
2022 | 1,250.00 | 1.67 | 1.67 | 1.67 | 10.72 |
2023 | 1,250.00 | 1.90 | 1.90 | 1.91 | 12.21 |
Multiple Ratios (End of Period Price)
Ratios And Multiples
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
Q1 2015 | 21.26 | 21.26 | 3.02 |
Q2 2015 | 22.08 | 22.08 | 3.14 |
Q3 2015 | 14.73 | 14.73 | 1.97 |
Q4 2015 | 15.62 | 15.62 | 1.91 |
Q1 2016 | 14.70 | 14.70 | 1.78 |
Q2 2016 | 14.21 | 14.21 | 1.62 |
Q3 2016 | 11.49 | 11.49 | 1.31 |
Q4 2016 | 15.31 | 15.31 | 1.74 |
Q1 2017 | 12.78 | 12.78 | 1.50 |
Q2 2017 | 12.45 | 12.45 | 1.57 |
Q3 2017 | 12.35 | 12.35 | 1.53 |
Q4 2017 | 13.05 | 13.05 | 1.62 |
Q1 2018 | 14.27 | 14.27 | 1.77 |
Q2 2018 | 14.27 | 14.27 | 1.82 |
Q3 2018 | 15.25 | 15.25 | 1.87 |
Q4 2018 | 26.71 | 16.28 | 2.09 |
Q1 2019 | 27.52 | 17.17 | 2.17 |
Q2 2019 | 29.68 | 18.92 | 2.32 |
Q3 2019 | 25.50 | 16.96 | 2.19 |
Q4 2019 | 16.24 | 16.24 | 2.14 |
Q1 2020 | 12.49 | 12.49 | 1.61 |
Q2 2020 | 13.37 | 13.37 | 1.68 |
Q3 2020 | 13.96 | 13.96 | 1.75 |
Q4 2020 | 15.78 | 15.78 | 1.98 |
Q1 2021 | 17.96 | 17.96 | 2.44 |
Q2 2021 | 17.56 | 17.56 | 2.41 |
Q3 2021 | 18.76 | 18.76 | 2.59 |
Q4 2021 | 20.63 | 20.63 | 2.90 |
Q1 2022 | 26.09 | 26.09 | 3.78 |
Q2 2022 | 23.28 | 23.28 | 3.47 |
Q3 2022 | 24.11 | 24.11 | 3.64 |
Q4 2022 | 21.42 | 21.42 | 3.32 |
Q1 2023 | 18.50 | 18.50 | 2.83 |
Q2 2023 | 17.36 | 17.36 | 2.73 |
Q3 2023 | 18.30 | 18.30 | 2.89 |
Q4 2023 | 19.06 | 19.06 | 2.98 |
Q1 2024 | 19.36 | 19.36 | 3.04 |
Q2 2024 | 15.92 | 15.92 | 2.57 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
2014 | 20.66 | 20.66 | 3.03 |
2015 | 15.62 | 15.62 | 1.91 |
2016 | 15.31 | 15.31 | 1.74 |
2017 | 13.05 | 13.05 | 1.62 |
2018 | 26.71 | 16.28 | 2.09 |
2019 | 16.24 | 16.24 | 2.14 |
2020 | 15.78 | 15.78 | 1.98 |
2021 | 20.63 | 20.63 | 2.90 |
2022 | 21.29 | 21.29 | 3.32 |
2023 | 19.07 | 19.07 | 2.98 |
Business Segments (Million)
Q2 2024
Revenue by Business Segment (Latest) 2024 Q2
2024
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Investment Banking and Brokerage | Others | Remittances ( Enjaz Centers) |
---|---|---|---|---|---|---|
Q1 2015 | 297.14 | 174.28 | 40.34 | 20.20 | 23.22 | - |
Q2 2015 | 320.04 | 179.49 | 40.35 | 19.74 | 25.31 | - |
Q3 2015 | 309.89 | 184.09 | 43.80 | 14.69 | 13.92 | - |
Q4 2015 | 320.79 | 195.70 | 37.65 | 19.96 | 14.03 | - |
Q1 2016 | 325.02 | 199.98 | 57.52 | 19.95 | 24.53 | - |
Q2 2016 | 325.63 | 196.32 | 65.10 | 17.66 | 36.80 | - |
Q3 2016 | 322.86 | 194.82 | 62.14 | 20.17 | 38.57 | - |
Q4 2016 | 320.78 | 204.70 | 67.19 | 35.17 | 52.54 | - |
Q1 2017 | 373.21 | 208.07 | 46.09 | 23.84 | 39.56 | - |
Q2 2017 | 389.03 | 231.87 | 50.14 | 23.39 | 27.15 | - |
Q3 2017 | 403.93 | 239.47 | 58.53 | 31.11 | 29.99 | - |
Q4 2017 | 407.18 | 254.39 | 92.68 | 27.28 | 2.67 | - |
Q1 2018 | 444.39 | 220.57 | 98.48 | 27.54 | - | - |
Q2 2018 | 501.84 | 237.48 | 76.77 | 26.59 | - | - |
Q3 2018 | 450.55 | 236.16 | 130.40 | 63.14 | - | - |
Q4 2018 | 499.72 | 268.64 | 84.16 | 49.59 | - | - |
Q1 2019 | 549.39 | 245.51 | 84.22 | 42.29 | - | - |
Q2 2019 | 553.05 | 258.59 | 117.55 | 30.07 | - | - |
Q3 2019 | 606.26 | 251.55 | 117.39 | 48.45 | - | - |
Q4 2019 | 573.12 | 301.39 | 107.44 | 59.10 | - | - |
Q1 2020 | 628.34 | 253.41 | 71.72 | 50.69 | - | - |
Q2 2020 | 623.10 | 239.28 | 108.84 | 28.28 | - | - |
Q3 2020 | 704.29 | 237.06 | 129.94 | 47.20 | - | - |
Q4 2020 | 659.21 | 274.76 | 150.74 | 55.19 | - | - |
Q1 2021 | 742.32 | 213.15 | 123.35 | 54.16 | - | - |
Q2 2021 | 736.02 | 185.65 | 143.29 | 66.07 | - | - |
Q3 2021 | 796.65 | 202.47 | 125.84 | 48.15 | - | - |
Q4 2021 | 647.23 | 180.52 | 248.71 | 70.36 | - | - |
Q1 2022 | 750.34 | 257.89 | 189.77 | 66.51 | - | - |
Q2 2022 | 719.71 | 303.30 | 180.44 | 49.31 | - | - |
Q3 2022 | 760.58 | 354.95 | 162.93 | 47.03 | - | - |
Q4 2022 | 537.37 | 498.14 | 208.69 | 104.47 | - | - |
Q1 2023 | 610.53 | 407.31 | 250.45 | 67.32 | - | - |
Q2 2023 | 610.36 | 428.65 | 173.56 | 81.48 | - | - |
Q3 2023 | 558.66 | 501.65 | 205.94 | 69.58 | - | - |
Q4 2023 | 469.22 | 524.93 | 260.69 | 82.46 | - | - |
Q1 2024 | 517.59 | 449.01 | 281.40 | 93.35 | - | - |
Q2 2024 | 557.75 | 447.28 | 308.02 | 94.69 | - | - |
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Investment Banking and Brokerage | Others | Remittances ( Enjaz Centers) |
---|---|---|---|---|---|---|
2014 | 1,135.83 | 636.19 | 138.09 | 79.21 | 107.73 | - |
2015 | 1,247.86 | 733.56 | 162.13 | 74.60 | 76.48 | - |
2016 | 1,294.29 | 795.81 | 251.96 | 92.95 | 152.43 | - |
2017 | 1,573.35 | 933.80 | 247.44 | 105.61 | 99.38 | - |
2018 | 1,896.50 | 962.86 | 389.80 | 166.86 | - | - |
2019 | 2,281.82 | 1,057.03 | 426.59 | 179.91 | - | - |
2020 | 2,614.93 | 1,004.52 | 461.24 | 181.36 | - | - |
2021 | 2,922.22 | 781.80 | 641.19 | 238.74 | - | - |
2022 | 2,768.00 | 1,414.28 | 741.83 | 267.33 | - | - |
2023 | 2,248.77 | 1,862.54 | 890.64 | 300.84 | - | - |
Analysts Estimates (Million)
Analysts Estimates (Million)
Item | Q2 2024 (e) | Q2 2024 (a) | Change |
---|---|---|---|
Average | 646.62 | 670.85 | 3.75 % |
Estimates vs Actual (Million)
Estimates Accuracy
Item | Q2 2024 (e) | Q2 2024 (a) | Change |
---|---|---|---|
AlJazira Capital | 662.00 | 670.85 | 1.3 % |
YAQEEN | 688.00 | 670.85 | (2.5) % |
Riyad Capital | 653.00 | 670.85 | 2.7 % |
SNB Capital | 638.00 | 670.85 | 5.1 % |
FAB Securities | 634.00 | 670.85 | 5.8 % |
OSOOL AND BAKHEET | 628.29 | 670.85 | 6.8 % |
Value Capital | 623.02 | 670.85 | 7.7 % |
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