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Banque Saudi Fransi (BSF) reported a slight increase in 9M 2024 net profit to SAR 3.42 billion, compared to SAR 3.39 billion in the prior-year period.
Financials (M)
Item | 9m 2023 | 9m 2024 | Change |
---|---|---|---|
Net Special Commission Income | 5,967.46 | 5,844.06 | (2.1 %) |
Operating Income | 7,133.05 | 7,085.64 | (0.7 %) |
Total Provisions | (1262.85) | (821.21) | 35.0 % |
Net Income | 3,395.25 | 3,427.27 | 0.9 % |
Average Shares | 1,205.36 | 1,205.36 | - |
EPS (Riyals) | 2.82 | 2.84 | 0.9 % |
EPS Diluted (Riyals) | 2.69 | 2.71 | 0.7 % |
The lender attributed the nine-month profit growth to a 25.7% year-on-year (YoY) increase in gross special commission income, mainly due to higher return on financing and investments. Meanwhile, net special commission income dropped by 2.1% YoY on higher special commission expenses.
Further, total operating expenses declined YoY for the nine-month period, primarily due to a reduction in the provision for expected credit losses on loans and advances. However, this was partially capped by an uptick in wages and expenses, general and administrative expenses, the provision for other financial assets, and depreciation and amortization.
Net impairment charges for financing and other financial assets contracted by 30.2% YoY as impairment charges on loans and advances plunged by 35% YoY. This was partially offset by higher impairment charges for other financial assets.
Current Quarter Comparison (M)
Item | Q3 2023 | Q3 2024 | Change |
---|---|---|---|
Net Special Commission Income | 2,067.99 | 1,985.62 | (4.0 %) |
Operating Income | 2,467.63 | 2,412.01 | (2.3 %) |
Debt Provisions | (350.79) | (252.06) | 28.1 % |
Net Income | 1,245.49 | 1,148.12 | (7.8 %) |
Average Shares | 1,205.36 | 1,205.36 | - |
EPS (Riyals) | 1.03 | 0.95 | (7.8 %) |
EPS Diluted (Riyal) | 0.99 | 0.90 | (9.1 %) |
Item | Q2 2024 | Q3 2024 | Change |
---|---|---|---|
Net Special Commission Income | 1,939.91 | 1,985.62 | 2.4 % |
Operating Income | 2,342.35 | 2,412.01 | 3.0 % |
Debt Provisions | (290.52) | (252.06) | 13.2 % |
Net Income | 1,129.18 | 1,148.12 | 1.7 % |
Average Shares | 1,205.36 | 1,205.36 | - |
EPS (Riyals) | 0.94 | 0.95 | 1.7 % |
EPS Diluted (Riyal) | 0.90 | 0.90 | 0.0 % |
However, the bank reported a 21% YoY rise in gross special commission income and a 4% YoY slip in net special commission income during Q3.
Compared with the previous quarter, Q3 2024 net profit grew 1.7% from SAR 1.12 billion.
Balance Sheet (B)
Item | 9m 2023 | 9m 2024 | Change |
---|---|---|---|
Assets | 249.86 | 287.67 | 15.1 % |
Customer Deposits | 166.37 | 193.34 | 16.2 % |
Loan | 174.68 | 201.01 | 15.1 % |
Shareholders’ equity, no minority interest and after sukuk, amounted to SAR 38.11 billion by the end of 9M 2024, compared to SAR 34.28 billion a year earlier.
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Energy
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- 2030 - SARCO
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- 1830 - Leejam Sports
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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
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- 9603 - HORIZON EDUCATIONAL
- 9567 - GHIDA ALSULTAN
Share Price
Banque Saudi Fransi (BSF)
Current | |
Market Cap (M Riyal) | 37,668.75 |
Shares Outstanding ((M)) | 1,205.40 |
EPS ( Riyal) (TTM) | 3.53 |
EPS Diluted ( Riyal) (TTM) | 3.35 |
Book Value (BV) ( Riyal) | 31.62 |
Par Value ( Riyal) | 10.00 |
Adjusted P/E (Last12) | 8.85 |
P/E (TTM) | 8.85 |
Price/book | 0.99 |
Return on Average Assets (%) (TTM) | 1.6 |
Return on Average Equity (%) (TTM) | 11.8 |
Financial results (Million)
Financial results (Million)
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
Q1 2015 | 962.89 | 7.4 % | 1,590.11 | 13.5 % | (37.20) | 65.7 % |
Q2 2015 | 1,016.15 | 4.8 % | 1,578.73 | 6.8 % | (42.97) | 59.2 % |
Q3 2015 | 1,044.11 | 6.5 % | 1,588.27 | 6.8 % | (50.23) | 30.8 % |
Q4 2015 | 1,032.13 | 6.4 % | 1,534.38 | 8.1 % | (50.51) | (46.7 %) |
2015 | 4,055.28 | 6.2 % | 6,291.50 | 8.7 % | (180.90) | 43.6 % |
Q1 2016 | 1,062.82 | 10.4 % | 1,644.92 | 3.4 % | (41.74) | (12.2 %) |
Q2 2016 | 1,068.80 | 5.2 % | 1,612.88 | 2.2 % | (36.58) | 14.9 % |
Q3 2016 | 1,107.55 | 6.1 % | 1,587.64 | 0.0 % | (54.53) | (8.6 %) |
Q4 2016 | 1,017.03 | (1.5 %) | 1,554.28 | 1.3 % | (635.53) | (1,158.2 %) |
2016 | 4,256.19 | 5.0 % | 6,399.71 | 1.7 % | (768.37) | (324.7 %) |
Q1 2017 | 1,111.53 | 4.6 % | 1,696.56 | 3.1 % | (29.04) | 30.4 % |
Q2 2017 | 1,167.37 | 9.2 % | 1,630.39 | 1.1 % | (58.57) | (60.1 %) |
Q3 2017 | 1,207.13 | 9.0 % | 1,629.57 | 2.6 % | (55.68) | (2.1 %) |
Q4 2017 | 1,213.64 | 19.3 % | 1,619.68 | 4.2 % | (517.82) | 18.5 % |
2017 | 4,699.67 | 10.4 % | 6,576.21 | 2.8 % | (497.96) | 35.2 % |
Q1 2018 | 1,256.00 | 13.0 % | 1,647.17 | (2.9 %) | (89.74) | (209.0 %) |
Q2 2018 | 1,252.35 | 7.3 % | 1,665.13 | 2.1 % | (126.18) | (115.4 %) |
Q3 2018 | 1,261.35 | 4.5 % | 1,696.39 | 4.1 % | (127.84) | (129.6 %) |
Q4 2018 | 1,247.18 | 2.8 % | 1,692.64 | 4.5 % | (566.73) | (9.4 %) |
2018 | 5,016.87 | 6.7 % | 6,701.33 | 1.9 % | (910.50) | (82.8 %) |
Q1 2019 | 1,272.94 | 1.3 % | 1,722.68 | 4.6 % | (144.17) | (60.6 %) |
Q2 2019 | 1,297.53 | 3.6 % | 1,706.43 | 2.5 % | (200.32) | (58.8 %) |
Q3 2019 | 1,343.91 | 6.5 % | 1,737.71 | 2.4 % | (226.22) | (77.0 %) |
Q4 2019 | 1,291.30 | 3.5 % | 1,705.72 | 0.8 % | (437.86) | 22.7 % |
2019 | 5,205.68 | 3.8 % | 6,872.55 | 2.6 % | (1,008.57) | (10.8 %) |
Q1 2020 | 1,287.24 | 1.1 % | 1,756.94 | 2.0 % | (397.57) | (175.8 %) |
Q2 2020 | 1,296.83 | (0.1 %) | 1,760.03 | 3.1 % | (634.32) | (216.7 %) |
Q3 2020 | 1,375.04 | 2.3 % | 1,750.75 | 0.8 % | (930.45) | (311.3 %) |
Q4 2020 | 1,281.29 | (0.8 %) | 1,776.88 | 4.2 % | (853.99) | (95.0 %) |
2020 | 5,240.39 | 0.7 % | 7,044.59 | 2.5 % | (2,816.32) | (179.2 %) |
Q1 2021 | 1,287.32 | 0.0 % | 1,795.51 | 2.2 % | (290.08) | 27.0 % |
Q2 2021 | 1,330.43 | 2.6 % | 1,753.66 | (0.4 %) | (266.97) | 57.9 % |
Q3 2021 | 1,423.60 | 3.5 % | 1,913.97 | 9.3 % | (296.34) | 68.2 % |
Q4 2021 | 1,332.10 | 4.0 % | 1,724.70 | (2.9 %) | (167.96) | 80.3 % |
2021 | 5,698.65 | 8.7 % | 7,127.93 | 1.2 % | (961.43) | 65.9 % |
Q1 2022 | 1,414.85 | 9.9 % | 1,821.04 | 1.4 % | (244.89) | 15.6 % |
Q2 2022 | 1,516.47 | 14.0 % | 1,870.36 | 6.7 % | (294.82) | (10.4 %) |
Q3 2022 | 1,716.68 | 20.6 % | 2,083.05 | 8.8 % | (349.50) | (17.9 %) |
Q4 2022 | 1,778.56 | 33.5 % | 2,242.83 | 30.0 % | (474.73) | (182.7 %) |
2022 | 6,426.55 | 12.8 % | 8,017.28 | 12.5 % | (1,363.94) | (41.9 %) |
Q1 2023 | 1,923.96 | 36.0 % | 2,318.08 | 27.3 % | (485.05) | (98.1 %) |
Q2 2023 | 1,975.51 | 30.3 % | 2,347.34 | 25.5 % | (427.01) | (44.8 %) |
Q3 2023 | 2,067.99 | 20.5 % | 2,467.63 | 18.5 % | (350.79) | (0.4 %) |
Q4 2023 | 1,867.74 | 5.0 % | 2,190.94 | (2.3 %) | (405.97) | 14.5 % |
2023 | 7,835.20 | 21.9 % | 9,323.99 | 16.3 % | (1,668.82) | (22.4 %) |
Q1 2024 | 1,918.53 | (0.3 %) | 2,331.29 | 0.6 % | (278.64) | 42.6 % |
Q2 2024 | 1,939.91 | (1.8 %) | 2,342.35 | (0.2 %) | (290.52) | 32.0 % |
Q3 2024 | 1,985.62 | (4.0 %) | 2,412.01 | (2.3 %) | (252.06) | 28.1 % |
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
2014 | 3,816.98 | 13.5 % | 5,786.04 | 14.5 % | (320.93) | 66.5 % |
2015 | 4,055.28 | 6.2 % | 6,291.50 | 8.7 % | (180.90) | 43.6 % |
2016 | 4,256.19 | 5.0 % | 6,399.71 | 1.7 % | (768.37) | (324.7 %) |
2017 | 4,699.67 | 10.4 % | 6,576.21 | 2.8 % | (497.96) | 35.2 % |
2018 | 5,016.87 | 6.7 % | 6,701.33 | 1.9 % | (910.50) | (82.8 %) |
2019 | 5,205.68 | 3.8 % | 6,872.55 | 2.6 % | (1,008.57) | (10.8 %) |
2020 | 5,240.39 | 0.7 % | 7,044.59 | 2.5 % | (2,816.32) | (179.2 %) |
2021 | 5,698.65 | 8.7 % | 7,127.93 | 1.2 % | (961.43) | 65.9 % |
2022 | 6,426.55 | 12.8 % | 8,017.28 | 12.5 % | (1,363.94) | (41.9 %) |
2023 | 7,835.20 | 21.9 % | 9,323.99 | 16.3 % | (1,668.82) | (22.4 %) |
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 | 1,050.38 | 22.7 % | 0.87 | - | 1,050.38 | 0.87 |
Q2 2015 | 1,015.83 | 14.9 % | 0.84 | - | 1,015.83 | 0.84 |
Q3 2015 | 1,020.25 | 10.2 % | 0.85 | - | 1,020.25 | 0.85 |
Q4 2015 | 949.98 | 11.7 % | 0.79 | - | 949.98 | 0.79 |
2015 | 4,036.44 | 14.8 % | 3.35 | - | 4,036.44 | 3.35 |
Q1 2016 | 1,077.80 | 2.6 % | 0.89 | - | 1,077.80 | 0.89 |
Q2 2016 | 1,048.19 | 3.2 % | 0.87 | - | 1,048.19 | 0.87 |
Q3 2016 | 1,010.24 | (1.0 %) | 0.84 | - | 1,010.24 | 0.84 |
Q4 2016 | 374.01 | (60.6 %) | 0.31 | - | 374.01 | 0.31 |
2016 | 3,510.23 | (13.0 %) | 2.91 | - | 3,510.23 | 2.91 |
Q1 2017 | 1,103.89 | 2.4 % | 0.92 | - | 1,103.89 | 0.92 |
Q2 2017 | 1,004.69 | (4.1 %) | 0.83 | - | 1,004.69 | 0.83 |
Q3 2017 | 1,000.54 | (1.0 %) | 0.83 | - | 1,000.54 | 0.83 |
Q4 2017 | 422.77 | 13.0 % | 0.35 | - | 422.77 | 0.35 |
2017 | 3,531.88 | 0.6 % | 2.93 | - | 3,531.88 | 2.93 |
Q1 2018 | 1,049.95 | (4.9 %) | 0.87 | 97.31 | 952.64 | 0.79 |
Q2 2018 | 841.31 | (16.3 %) | 0.70 | - | 841.31 | 0.70 |
Q3 2018 | 943.44 | (5.7 %) | 0.78 | - | 943.44 | 0.78 |
Q4 2018 | (1431.68) | (438.6 %) | (1.19) | (1510.67) | 78.99 | 0.07 |
2018 | 1,403.02 | (60.3 %) | 1.16 | (1413.36) | 2,816.38 | 2.34 |
Q1 2019 | 916.83 | (12.7 %) | 0.76 | - | 916.83 | 0.76 |
Q2 2019 | 803.63 | (4.5 %) | 0.67 | - | 803.63 | 0.67 |
Q3 2019 | 880.00 | (6.7 %) | 0.73 | - | 880.00 | 0.73 |
Q4 2019 | 514.51 | 135.9 % | 0.43 | - | 514.51 | 0.43 |
2019 | 3,114.97 | 122.0 % | 2.58 | - | 3,114.97 | 2.58 |
Q1 2020 | 682.08 | (25.6 %) | 0.57 | - | 682.08 | 0.57 |
Q2 2020 | 436.80 | (45.6 %) | 0.36 | - | 436.80 | 0.36 |
Q3 2020 | 333.39 | (62.1 %) | 0.28 | - | 333.39 | 0.28 |
Q4 2020 | 93.95 | (81.7 %) | 0.08 | - | 93.95 | 0.08 |
2020 | 1,546.21 | (50.4 %) | 1.28 | - | 1,546.21 | 1.28 |
Q1 2021 | 779.68 | 14.3 % | 0.65 | - | 779.68 | 0.65 |
Q2 2021 | 769.68 | 76.2 % | 0.64 | - | 769.68 | 0.64 |
Q3 2021 | 907.25 | 172.1 % | 0.75 | - | 907.25 | 0.75 |
Q4 2021 | 993.27 | 957.3 % | 0.82 | - | 993.27 | 0.82 |
2021 | 3,449.88 | 123.1 % | 2.86 | - | 3,449.88 | 2.86 |
Q1 2022 | 874.57 | 12.2 % | 0.73 | - | 874.57 | 0.73 |
Q2 2022 | 837.02 | 8.7 % | 0.69 | - | 837.02 | 0.69 |
Q3 2022 | 960.87 | 5.9 % | 0.80 | - | 960.87 | 0.80 |
Q4 2022 | 902.68 | (9.1 %) | 0.75 | - | 902.68 | 0.75 |
2022 | 3,575.13 | 3.6 % | 2.97 | - | 3,575.13 | 2.97 |
Q1 2023 | 1,076.40 | 23.1 % | 0.89 | - | 1,076.40 | 0.89 |
Q2 2023 | 1,073.35 | 28.2 % | 0.89 | - | 1,073.35 | 0.89 |
Q3 2023 | 1,245.49 | 29.6 % | 1.03 | - | 1,245.49 | 1.03 |
Q4 2023 | 827.48 | (8.3 %) | 0.69 | - | 827.48 | 0.69 |
2023 | 4,222.73 | 18.1 % | 3.50 | - | 4,222.73 | 3.50 |
Q1 2024 | 1,149.97 | 6.8 % | 0.95 | - | 1,149.97 | 0.95 |
Q2 2024 | 1,129.18 | 5.2 % | 0.94 | - | 1,129.18 | 0.94 |
Q3 2024 | 1,148.12 | (7.8 %) | 0.95 | - | 1,148.12 | 0.95 |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
2014 | 3,516.34 | 46.2 % | 2.92 | - | 3,516.34 | 2.92 |
2015 | 4,036.44 | 14.8 % | 3.35 | - | 4,036.44 | 3.35 |
2016 | 3,510.23 | (13.0 %) | 2.91 | - | 3,510.23 | 2.91 |
2017 | 3,531.88 | 0.6 % | 2.93 | - | 3,531.88 | 2.93 |
2018 | 1,403.02 | (60.3 %) | 1.16 | (1413.36) | 2,816.38 | 2.34 |
2019 | 3,114.97 | 122.0 % | 2.58 | - | 3,114.97 | 2.58 |
2020 | 1,546.21 | (50.4 %) | 1.28 | - | 1,546.21 | 1.28 |
2021 | 3,449.88 | 123.1 % | 2.86 | - | 3,449.88 | 2.86 |
2022 | 3,575.13 | 3.6 % | 2.97 | - | 3,575.13 | 2.97 |
2023 | 4,222.73 | 18.1 % | 3.50 | - | 4,222.73 | 3.50 |
Balance Sheet (B)
Balance Sheet Performance (B)
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
Q1 2015 | 193.88 | 5.2 % | 150.21 | 8.9 % | 120.79 | 5.2 % |
Q2 2015 | 185.95 | 0.9 % | 142.63 | 6.1 % | 125.04 | 6.5 % |
Q3 2015 | 184.99 | 1.0 % | 143.95 | 9.1 % | 124.41 | 5.2 % |
Q4 2015 | 183.72 | (2.7 %) | 141.85 | (2.4 %) | 123.77 | 6.2 % |
Q1 2016 | 184.02 | (5.1 %) | 141.82 | (5.6 %) | 124.98 | 3.5 % |
Q2 2016 | 193.91 | 4.3 % | 138.81 | (2.7 %) | 129.64 | 3.7 % |
Q3 2016 | 195.74 | 5.8 % | 147.28 | 2.3 % | 133.94 | 7.7 % |
Q4 2016 | 203.43 | 10.7 % | 158.46 | 11.7 % | 129.46 | 4.6 % |
Q1 2017 | 204.36 | 11.1 % | 158.47 | 11.7 % | 129.09 | 3.3 % |
Q2 2017 | 205.34 | 5.9 % | 163.90 | 18.1 % | 129.38 | (0.2 %) |
Q3 2017 | 201.70 | 3.0 % | 155.47 | 5.6 % | 128.95 | (3.7 %) |
Q4 2017 | 192.93 | (5.2 %) | 150.95 | (4.7 %) | 121.94 | (5.8 %) |
Q1 2018 | 184.02 | (10.0 %) | 141.94 | (10.4 %) | 123.88 | (4.0 %) |
Q2 2018 | 188.96 | (8.0 %) | 146.70 | (10.5 %) | 122.81 | (5.1 %) |
Q3 2018 | 189.34 | (6.1 %) | 146.69 | (5.6 %) | 123.70 | (4.1 %) |
Q4 2018 | 190.25 | (1.4 %) | 148.37 | (1.7 %) | 120.63 | (1.1 %) |
Q1 2019 | 190.04 | 3.3 % | 144.82 | 2.0 % | 121.27 | (2.1 %) |
Q2 2019 | 186.58 | (1.3 %) | 142.23 | (3.1 %) | 124.23 | 1.2 % |
Q3 2019 | 186.37 | (1.6 %) | 141.90 | (3.3 %) | 123.44 | (0.2 %) |
Q4 2019 | 178.15 | (6.4 %) | 132.84 | (10.5 %) | 125.73 | 4.2 % |
Q1 2020 | 199.18 | 4.8 % | 146.77 | 1.3 % | 134.88 | 11.2 % |
Q2 2020 | 201.95 | 8.2 % | 138.05 | (2.9 %) | 135.75 | 9.3 % |
Q3 2020 | 197.44 | 5.9 % | 135.65 | (4.4 %) | 134.36 | 8.8 % |
Q4 2020 | 194.07 | 8.9 % | 127.11 | (4.3 %) | 130.56 | 3.8 % |
Q1 2021 | 202.23 | 1.5 % | 132.99 | (9.4 %) | 134.10 | (0.6 %) |
Q2 2021 | 211.31 | 4.6 % | 140.80 | 2.0 % | 141.81 | 4.5 % |
Q3 2021 | 213.34 | 8.0 % | 143.32 | 5.7 % | 144.39 | 7.5 % |
Q4 2021 | 215.80 | 11.2 % | 141.95 | 11.7 % | 147.81 | 13.2 % |
Q1 2022 | 222.21 | 9.9 % | 150.76 | 13.4 % | 152.69 | 13.9 % |
Q2 2022 | 231.27 | 9.4 % | 157.92 | 12.2 % | 159.62 | 12.6 % |
Q3 2022 | 231.66 | 8.6 % | 157.82 | 10.1 % | 158.48 | 9.8 % |
Q4 2022 | 232.08 | 7.5 % | 157.59 | 11.0 % | 159.01 | 7.6 % |
Q1 2023 | 240.24 | 8.1 % | 167.41 | 11.0 % | 164.78 | 7.9 % |
Q2 2023 | 245.72 | 6.2 % | 161.16 | 2.1 % | 169.70 | 6.3 % |
Q3 2023 | 249.86 | 7.9 % | 166.37 | 5.4 % | 174.68 | 10.2 % |
Q4 2023 | 253.38 | 9.2 % | 172.21 | 9.3 % | 179.39 | 12.8 % |
Q1 2024 | 268.38 | 11.7 % | 174.83 | 4.4 % | 185.41 | 12.5 % |
Q2 2024 | 288.83 | 17.5 % | 196.25 | 21.8 % | 197.16 | 16.2 % |
Q3 2024 | 287.67 | 15.1 % | 193.34 | 16.2 % | 201.01 | 15.1 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
3m 2015 | 193.88 | 5.2 % | 150.21 | 8.9 % | 120.79 | 5.2 % |
6m 2015 | 185.95 | 0.9 % | 142.63 | 6.1 % | 125.04 | 6.5 % |
9m 2015 | 184.99 | 1.0 % | 143.95 | 9.1 % | 124.41 | 5.2 % |
12m 2015 | 183.72 | (2.7 %) | 141.85 | (2.4 %) | 123.77 | 6.2 % |
3m 2016 | 184.02 | (5.1 %) | 141.82 | (5.6 %) | 124.98 | 3.5 % |
6m 2016 | 193.91 | 4.3 % | 138.81 | (2.7 %) | 129.64 | 3.7 % |
9m 2016 | 195.74 | 5.8 % | 147.28 | 2.3 % | 133.94 | 7.7 % |
12m 2016 | 203.43 | 10.7 % | 158.46 | 11.7 % | 129.46 | 4.6 % |
3m 2017 | 204.36 | 11.1 % | 158.47 | 11.7 % | 129.09 | 3.3 % |
6m 2017 | 205.34 | 5.9 % | 163.90 | 18.1 % | 129.38 | (0.2 %) |
9m 2017 | 201.70 | 3.0 % | 155.47 | 5.6 % | 128.95 | (3.7 %) |
12m 2017 | 192.93 | (5.2 %) | 150.95 | (4.7 %) | 121.94 | (5.8 %) |
3m 2018 | 184.02 | (10.0 %) | 141.94 | (10.4 %) | 123.88 | (4.0 %) |
6m 2018 | 188.96 | (8.0 %) | 146.70 | (10.5 %) | 122.81 | (5.1 %) |
9m 2018 | 189.34 | (6.1 %) | 146.69 | (5.6 %) | 123.70 | (4.1 %) |
12m 2018 | 190.25 | (1.4 %) | 148.37 | (1.7 %) | 120.63 | (1.1 %) |
3m 2019 | 190.04 | 3.3 % | 144.82 | 2.0 % | 121.27 | (2.1 %) |
6m 2019 | 186.58 | (1.3 %) | 142.23 | (3.1 %) | 124.23 | 1.2 % |
9m 2019 | 186.37 | (1.6 %) | 141.90 | (3.3 %) | 123.44 | (0.2 %) |
12m 2019 | 178.15 | (6.4 %) | 132.84 | (10.5 %) | 125.73 | 4.2 % |
3m 2020 | 199.18 | 4.8 % | 146.77 | 1.3 % | 134.88 | 11.2 % |
6m 2020 | 201.95 | 8.2 % | 138.05 | (2.9 %) | 135.75 | 9.3 % |
9m 2020 | 197.44 | 5.9 % | 135.65 | (4.4 %) | 134.36 | 8.8 % |
12m 2020 | 194.07 | 8.9 % | 127.11 | (4.3 %) | 130.56 | 3.8 % |
3m 2021 | 202.23 | 1.5 % | 132.99 | (9.4 %) | 134.10 | (0.6 %) |
6m 2021 | 211.31 | 4.6 % | 140.80 | 2.0 % | 141.81 | 4.5 % |
9m 2021 | 213.34 | 8.0 % | 143.32 | 5.7 % | 144.39 | 7.5 % |
12m 2021 | 215.80 | 11.2 % | 141.95 | 11.7 % | 147.81 | 13.2 % |
3m 2022 | 222.21 | 9.9 % | 150.76 | 13.4 % | 152.69 | 13.9 % |
6m 2022 | 231.27 | 9.4 % | 157.92 | 12.2 % | 159.62 | 12.6 % |
9m 2022 | 231.66 | 8.6 % | 157.82 | 10.1 % | 158.48 | 9.8 % |
12m 2022 | 232.08 | 7.5 % | 157.59 | 11.0 % | 159.01 | 7.6 % |
3m 2023 | 240.24 | 8.1 % | 167.41 | 11.0 % | 164.78 | 7.9 % |
6m 2023 | 245.72 | 6.2 % | 161.16 | 2.1 % | 169.70 | 6.3 % |
9m 2023 | 249.86 | 7.9 % | 166.37 | 5.4 % | 174.68 | 10.2 % |
12m 2023 | 253.38 | 9.2 % | 172.21 | 9.3 % | 179.39 | 12.8 % |
3m 2024 | 268.38 | 11.7 % | 174.83 | 4.4 % | 185.41 | 12.5 % |
6m 2024 | 288.83 | 17.5 % | 196.25 | 21.8 % | 197.16 | 16.2 % |
9m 2024 | 287.67 | 15.1 % | 193.34 | 16.2 % | 201.01 | 15.1 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
2014 | 188.78 | 11.0 % | 145.28 | 10.4 % | 116.54 | 4.7 % |
2015 | 183.72 | (2.7 %) | 141.85 | (2.4 %) | 123.77 | 6.2 % |
2016 | 203.43 | 10.7 % | 158.46 | 11.7 % | 129.46 | 4.6 % |
2017 | 192.93 | (5.2 %) | 150.95 | (4.7 %) | 121.94 | (5.8 %) |
2018 | 190.25 | (1.4 %) | 148.37 | (1.7 %) | 120.63 | (1.1 %) |
2019 | 178.15 | (6.4 %) | 132.84 | (10.5 %) | 125.73 | 4.2 % |
2020 | 194.07 | 8.9 % | 127.11 | (4.3 %) | 130.56 | 3.8 % |
2021 | 215.80 | 11.2 % | 141.95 | 11.7 % | 147.81 | 13.2 % |
2022 | 232.08 | 7.5 % | 157.59 | 11.0 % | 159.01 | 7.6 % |
2023 | 253.38 | 9.2 % | 172.21 | 9.3 % | 179.39 | 12.8 % |
Profitability
Profitability
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
Q1 2015 | 1.96 % | 14.22 % | 64.99 % |
Q2 2015 | 2.08 % | 14.45 % | 64.68 % |
Q3 2015 | 2.14 % | 14.69 % | 64.65 % |
Q4 2015 | 2.17 % | 14.96 % | 64.46 % |
2015 | 2.17 % | 14.96 % | 64.46 % |
Q1 2016 | 2.15 % | 14.23 % | 65.47 % |
Q2 2016 | 2.16 % | 14.48 % | 65.95 % |
Q3 2016 | 2.15 % | 14.38 % | 66.95 % |
Q4 2016 | 1.81 % | 12.28 % | 66.51 % |
2016 | 1.81 % | 12.28 % | 66.51 % |
Q1 2017 | 1.82 % | 11.82 % | 66.73 % |
Q2 2017 | 1.75 % | 11.59 % | 68.07 % |
Q3 2017 | 1.75 % | 11.61 % | 69.16 % |
Q4 2017 | 1.78 % | 11.51 % | 71.46 % |
2017 | 1.78 % | 11.51 % | 71.46 % |
Q1 2018 | 1.79 % | 11.14 % | 74.22 % |
Q2 2018 | 1.68 % | 10.39 % | 75.12 % |
Q3 2018 | 1.67 % | 10.27 % | 75.18 % |
Q4 2018 | 0.73 % | 4.49 % | 74.86 % |
2018 | 0.73 % | 4.49 % | 74.86 % |
Q1 2019 | 0.68 % | 3.97 % | 74.28 % |
Q2 2019 | 0.66 % | 3.81 % | 74.49 % |
Q3 2019 | 0.62 % | 3.62 % | 75.25 % |
Q4 2019 | 1.69 % | 9.76 % | 75.75 % |
2019 | 1.69 % | 9.76 % | 75.75 % |
Q1 2020 | 1.48 % | 8.70 % | 75.58 % |
Q2 2020 | 1.29 % | 7.58 % | 74.99 % |
Q3 2020 | 1.02 % | 5.93 % | 75.29 % |
Q4 2020 | 0.83 % | 4.64 % | 74.39 % |
2020 | 0.83 % | 4.64 % | 74.39 % |
Q1 2021 | 0.82 % | 4.82 % | 73.98 % |
Q2 2021 | 0.96 % | 5.82 % | 74.53 % |
Q3 2021 | 1.24 % | 7.51 % | 73.52 % |
Q4 2021 | 1.68 % | 10.10 % | 74.76 % |
2021 | 1.68 % | 10.10 % | 79.95 % |
Q1 2022 | 1.67 % | 10.33 % | 76.26 % |
Q2 2022 | 1.63 % | 10.78 % | 77.58 % |
Q3 2022 | 1.65 % | 10.93 % | 79.74 % |
Q4 2022 | 1.60 % | 10.45 % | 80.16 % |
2022 | 1.60 % | 10.45 % | 80.16 % |
Q1 2023 | 1.63 % | 10.89 % | 81.46 % |
Q2 2023 | 1.68 % | 11.90 % | 82.24 % |
Q3 2023 | 1.79 % | 12.81 % | 82.62 % |
Q4 2023 | 1.74 % | 12.09 % | 84.03 % |
2023 | 1.74 % | 12.09 % | 84.03 % |
Q1 2024 | 1.69 % | 11.96 % | 83.86 % |
Q2 2024 | 1.63 % | 12.17 % | 83.52 % |
Q3 2024 | 1.58 % | 11.75 % | 83.13 % |
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
2014 | 1.96 % | 14.15 % | 65.97 % |
2015 | 2.17 % | 14.96 % | 64.46 % |
2016 | 1.81 % | 12.28 % | 66.51 % |
2017 | 1.78 % | 11.51 % | 71.46 % |
2018 | 0.73 % | 4.49 % | 74.86 % |
2019 | 1.69 % | 9.76 % | 75.75 % |
2020 | 0.83 % | 4.64 % | 74.39 % |
2021 | 1.68 % | 10.10 % | 79.95 % |
2022 | 1.60 % | 10.45 % | 80.16 % |
2023 | 1.74 % | 12.09 % | 84.03 % |
Ratios
Ratios
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
Q1 2015 | 77.47 % | 62.30 % | 80.42 % |
Q2 2015 | 76.70 % | 67.24 % | 87.67 % |
Q3 2015 | 77.82 % | 67.25 % | 86.43 % |
Q4 2015 | 77.21 % | 67.37 % | 87.25 % |
Q1 2016 | 77.07 % | 67.92 % | 88.12 % |
Q2 2016 | 71.58 % | 66.85 % | 93.39 % |
Q3 2016 | 75.24 % | 68.43 % | 90.94 % |
Q4 2016 | 77.89 % | 63.64 % | 81.70 % |
Q1 2017 | 77.54 % | 63.17 % | 81.46 % |
Q2 2017 | 79.82 % | 63.01 % | 78.94 % |
Q3 2017 | 77.08 % | 63.93 % | 82.94 % |
Q4 2017 | 78.24 % | 63.20 % | 80.78 % |
Q1 2018 | 77.14 % | 67.32 % | 87.28 % |
Q2 2018 | 77.64 % | 64.99 % | 83.71 % |
Q3 2018 | 77.48 % | 65.33 % | 84.33 % |
Q4 2018 | 77.99 % | 63.41 % | 81.31 % |
Q1 2019 | 76.21 % | 63.82 % | 83.74 % |
Q2 2019 | 76.23 % | 66.58 % | 87.35 % |
Q3 2019 | 76.14 % | 66.23 % | 86.99 % |
Q4 2019 | 74.57 % | 70.57 % | 94.65 % |
Q1 2020 | 73.69 % | 67.72 % | 91.90 % |
Q2 2020 | 68.36 % | 67.22 % | 98.34 % |
Q3 2020 | 68.71 % | 68.05 % | 99.04 % |
Q4 2020 | 65.50 % | 67.28 % | 102.72 % |
Q1 2021 | 65.76 % | 66.31 % | 100.84 % |
Q2 2021 | 66.63 % | 67.11 % | 100.71 % |
Q3 2021 | 67.18 % | 67.68 % | 100.75 % |
Q4 2021 | 65.78 % | 68.49 % | 104.13 % |
Q1 2022 | 67.84 % | 68.71 % | 101.28 % |
Q2 2022 | 68.28 % | 69.02 % | 101.08 % |
Q3 2022 | 68.13 % | 68.41 % | 100.42 % |
Q4 2022 | 67.90 % | 68.52 % | 100.90 % |
Q1 2023 | 69.69 % | 68.59 % | 98.43 % |
Q2 2023 | 65.59 % | 69.06 % | 105.29 % |
Q3 2023 | 66.58 % | 69.91 % | 105.00 % |
Q4 2023 | 67.96 % | 70.80 % | 104.17 % |
Q1 2024 | 65.14 % | 69.09 % | 106.05 % |
Q2 2024 | 67.95 % | 68.26 % | 100.46 % |
Q3 2024 | 67.21 % | 69.87 % | 103.97 % |
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
2014 | 76.96 % | 61.73 % | 80.22 % |
2015 | 77.21 % | 67.37 % | 87.25 % |
2016 | 77.89 % | 63.64 % | 81.70 % |
2017 | 78.24 % | 63.20 % | 80.78 % |
2018 | 77.99 % | 63.41 % | 81.31 % |
2019 | 74.57 % | 70.57 % | 94.65 % |
2020 | 65.50 % | 67.28 % | 102.72 % |
2021 | 65.78 % | 68.49 % | 104.13 % |
2022 | 67.90 % | 68.52 % | 100.90 % |
2023 | 67.96 % | 70.80 % | 104.17 % |
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 | 1,205.36 | 3.08 | 3.08 | 3.08 | 23.28 |
Q2 2015 | 1,205.36 | 3.19 | 3.19 | 3.19 | 23.19 |
Q3 2015 | 1,205.36 | 3.27 | 3.27 | 3.27 | 23.53 |
Q4 2015 | 1,205.36 | 3.35 | 3.35 | 3.35 | 22.80 |
Q1 2016 | 1,205.36 | 3.37 | 3.37 | 3.37 | 24.10 |
Q2 2016 | 1,205.36 | 3.40 | 3.40 | 3.40 | 23.76 |
Q3 2016 | 1,205.36 | 3.39 | 3.39 | 3.39 | 23.61 |
Q4 2016 | 1,205.36 | 2.91 | 2.91 | 2.91 | 24.64 |
Q1 2017 | 1,205.36 | 2.93 | 2.93 | 2.94 | 25.53 |
Q2 2017 | 1,205.36 | 2.90 | 2.90 | 2.91 | 26.24 |
Q3 2017 | 1,205.36 | 2.89 | 2.89 | 2.90 | 26.18 |
Q4 2017 | 1,205.36 | 2.93 | 2.93 | 2.94 | 26.27 |
Q1 2018 | 1,205.36 | 2.89 | 2.80 | 2.95 | 26.29 |
Q2 2018 | 1,205.36 | 2.75 | 2.67 | 2.81 | 26.67 |
Q3 2018 | 1,205.36 | 2.70 | 2.62 | 2.77 | 26.45 |
Q4 2018 | 1,205.36 | 1.16 | 2.34 | 3.35 | 25.60 |
Q1 2019 | 1,205.36 | 1.05 | 2.31 | 3.18 | 26.75 |
Q2 2019 | 1,205.36 | 1.02 | 2.28 | 3.15 | 27.05 |
Q3 2019 | 1,205.36 | 0.97 | 2.22 | 3.09 | 27.06 |
Q4 2019 | 1,205.36 | 2.58 | 2.58 | 2.59 | 27.33 |
Q1 2020 | 1,205.36 | 2.39 | 2.39 | 2.40 | 28.16 |
Q2 2020 | 1,205.36 | 2.09 | 2.09 | 2.09 | 27.94 |
Q3 2020 | 1,205.36 | 1.63 | 1.63 | 1.64 | 27.94 |
Q4 2020 | 1,205.36 | 1.28 | 1.28 | 1.24 | 27.91 |
Q1 2021 | 1,205.36 | 1.36 | 1.36 | 1.29 | 28.37 |
Q2 2021 | 1,205.36 | 1.64 | 1.64 | 1.52 | 28.42 |
Q3 2021 | 1,205.36 | 2.12 | 2.12 | 1.95 | 28.41 |
Q4 2021 | 1,205.36 | 2.86 | 2.86 | 2.70 | 28.78 |
Q1 2022 | 1,205.36 | 2.94 | 2.94 | 2.76 | 28.56 |
Q2 2022 | 1,205.36 | 3.00 | 3.00 | 2.82 | 27.16 |
Q3 2022 | 1,205.36 | 3.04 | 3.04 | 2.86 | 27.22 |
Q4 2022 | 1,205.36 | 2.97 | 2.97 | 2.79 | 28.00 |
Q1 2023 | 1,205.36 | 3.13 | 3.13 | 2.96 | 28.98 |
Q2 2023 | 1,205.36 | 3.33 | 3.33 | 3.16 | 28.78 |
Q3 2023 | 1,205.36 | 3.57 | 3.57 | 3.40 | 28.44 |
Q4 2023 | 1,205.36 | 3.50 | 3.50 | 3.33 | 29.97 |
Q1 2024 | 1,205.36 | 3.56 | 3.56 | 3.39 | 30.64 |
Q2 2024 | 1,205.36 | 3.61 | 3.61 | 3.44 | 30.54 |
Q3 2024 | 1,205.36 | 3.53 | 3.53 | 3.35 | 31.62 |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
2014 | 1,205.36 | 2.92 | 2.92 | 2.92 | 21.96 |
2015 | 1,205.36 | 3.35 | 3.35 | 3.35 | 22.80 |
2016 | 1,205.36 | 2.91 | 2.91 | 2.91 | 24.64 |
2017 | 1,205.36 | 2.93 | 2.93 | 2.94 | 26.27 |
2018 | 1,205.36 | 1.16 | 2.34 | 1.17 | 25.60 |
2019 | 1,205.36 | 2.58 | 2.58 | 2.60 | 27.33 |
2020 | 1,205.36 | 1.28 | 1.28 | 1.24 | 27.91 |
2021 | 1,205.36 | 2.86 | 2.86 | 2.70 | 28.78 |
2022 | 1,205.36 | 2.97 | 2.97 | 2.79 | 28.00 |
2023 | 1,205.36 | 3.50 | 3.50 | 3.33 | 29.97 |
Multiple Ratios (End of Period Price)
Ratios And Multiples
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
Q1 2015 | 10.84 | 10.84 | 1.44 |
Q2 2015 | 10.08 | 10.08 | 1.39 |
Q3 2015 | 9.17 | 9.17 | 1.27 |
Q4 2015 | 8.36 | 8.36 | 1.23 |
Q1 2016 | 7.50 | 7.50 | 1.05 |
Q2 2016 | 6.60 | 6.60 | 0.94 |
Q3 2016 | 6.21 | 6.21 | 0.89 |
Q4 2016 | 8.94 | 8.94 | 1.06 |
Q1 2017 | 8.81 | 8.81 | 1.01 |
Q2 2017 | 10.63 | 10.63 | 1.18 |
Q3 2017 | 10.42 | 10.42 | 1.15 |
Q4 2017 | 9.73 | 9.73 | 1.09 |
Q1 2018 | 9.95 | 10.24 | 1.12 |
Q2 2018 | 12.06 | 12.43 | 1.27 |
Q3 2018 | 12.04 | 12.41 | 1.26 |
Q4 2018 | 9.37 | 4.67 | 1.23 |
Q1 2019 | 11.67 | 5.33 | 1.39 |
Q2 2019 | 13.19 | 5.93 | 1.54 |
Q3 2019 | 10.44 | 4.55 | 1.19 |
Q4 2019 | 14.63 | 14.63 | 1.39 |
Q1 2020 | 10.77 | 10.77 | 0.92 |
Q2 2020 | 13.66 | 13.66 | 1.02 |
Q3 2020 | 19.70 | 19.70 | 1.16 |
Q4 2020 | 25.48 | 25.48 | 1.13 |
Q1 2021 | 25.85 | 25.85 | 1.18 |
Q2 2021 | 25.26 | 25.26 | 1.35 |
Q3 2021 | 21.38 | 21.38 | 1.47 |
Q4 2021 | 17.50 | 17.50 | 1.64 |
Q1 2022 | 19.46 | 19.46 | 1.88 |
Q2 2022 | 15.76 | 15.76 | 1.75 |
Q3 2022 | 14.69 | 14.69 | 1.54 |
Q4 2022 | 13.62 | 13.62 | 1.45 |
Q1 2023 | 12.23 | 12.23 | 1.25 |
Q2 2023 | 12.46 | 12.46 | 1.45 |
Q3 2023 | 10.74 | 10.74 | 1.28 |
Q4 2023 | 11.35 | 11.35 | 1.33 |
Q1 2024 | 11.24 | 11.24 | 1.24 |
Q2 2024 | 9.75 | 9.75 | 1.16 |
Q3 2024 | 9.61 | 9.61 | 1.02 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
2014 | 10.73 | 10.73 | 1.43 |
2015 | 8.36 | 8.36 | 1.23 |
2016 | 8.94 | 8.94 | 1.06 |
2017 | 9.73 | 9.73 | 1.09 |
2018 | 26.84 | 13.37 | 1.23 |
2019 | 14.58 | 14.58 | 1.39 |
2020 | 25.48 | 25.48 | 1.13 |
2021 | 16.43 | 16.43 | 1.64 |
2022 | 13.63 | 13.63 | 1.45 |
2023 | 11.35 | 11.35 | 1.33 |
Business Segments (Million)
Q3 2024
Revenue by Business Segment (Latest) 2024 Q3
2024
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Investment Banking and Brokerage |
---|---|---|---|---|
Q1 2015 | 356.05 | 751.84 | 394.64 | 87.58 |
Q2 2015 | 384.66 | 783.42 | 310.86 | 99.80 |
Q3 2015 | 387.40 | 789.72 | 337.51 | 73.65 |
Q4 2015 | 378.07 | 733.50 | 362.98 | 59.83 |
Q1 2016 | 388.71 | 788.11 | 404.21 | 63.89 |
Q2 2016 | 376.51 | 778.41 | 372.61 | 85.35 |
Q3 2016 | 369.75 | 787.13 | 373.80 | 56.95 |
Q4 2016 | 356.09 | 749.20 | 380.12 | 68.87 |
Q1 2017 | 381.68 | 808.87 | 443.31 | 62.71 |
Q2 2017 | 393.76 | 744.34 | 431.18 | 61.12 |
Q3 2017 | 403.67 | 719.52 | 440.01 | 66.36 |
Q4 2017 | 373.70 | 727.85 | 444.55 | 73.59 |
Q1 2018 | 407.50 | 758.45 | 519.07 | 59.45 |
Q2 2018 | 407.35 | 751.38 | 424.40 | 82.01 |
Q3 2018 | 462.47 | 780.06 | 392.81 | 61.04 |
Q4 2018 | 473.69 | 802.76 | 340.72 | 75.47 |
Q1 2019 | 459.73 | 780.74 | 404.56 | 77.65 |
Q2 2019 | 480.12 | 738.08 | 411.06 | 77.17 |
Q3 2019 | 466.64 | 806.94 | 403.56 | 60.59 |
Q4 2019 | 478.28 | 734.02 | 415.17 | 78.26 |
Q1 2020 | 459.26 | 740.72 | 474.75 | 82.22 |
Q2 2020 | 421.72 | 773.10 | 490.01 | 75.20 |
Q3 2020 | 473.03 | 715.80 | 473.82 | 88.10 |
Q4 2020 | 456.72 | 696.80 | 507.10 | 116.25 |
Q1 2021 | 488.28 | 717.24 | 453.16 | 136.84 |
Q2 2021 | 485.90 | 715.32 | 444.85 | 107.59 |
Q3 2021 | 472.08 | 802.68 | 528.60 | 110.61 |
Q4 2021 | 419.61 | 708.78 | 432.08 | 104.32 |
Q1 2022 | 464.79 | 724.53 | 513.22 | 118.50 |
Q2 2022 | 515.25 | 790.28 | 452.03 | 112.81 |
Q3 2022 | 582.32 | 968.71 | 433.14 | 98.88 |
Q4 2022 | 694.52 | 1,060.42 | 367.41 | 120.49 |
Q1 2023 | 804.07 | 1,047.59 | 370.01 | 96.41 |
Q2 2023 | 882.84 | 1,024.48 | 332.40 | 107.63 |
Q3 2023 | 949.73 | 1,137.48 | 252.71 | 127.71 |
Q4 2023 | 942.31 | 1,057.38 | 54.04 | 137.22 |
Q1 2024 | 1,040.50 | 1,163.67 | 7.65 | 119.48 |
Q2 2024 | 1,015.57 | 1,295.01 | (114.54) | 146.31 |
Q3 2024 | 964.15 | 1,346.32 | (36.80) | 138.34 |
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Investment Banking and Brokerage |
---|---|---|---|---|
2014 | 1,419.49 | 2,740.81 | 1,263.34 | 362.39 |
2015 | 1,506.18 | 3,058.47 | 1,405.99 | 320.86 |
2016 | 1,491.06 | 3,102.85 | 1,530.73 | 275.06 |
2017 | 1,552.81 | 3,000.58 | 1,759.04 | 263.78 |
2018 | 1,751.02 | 3,092.65 | 1,677.01 | 277.97 |
2019 | 1,884.77 | 3,059.77 | 1,634.34 | 293.68 |
2020 | 1,810.73 | 2,926.42 | 1,945.68 | 361.77 |
2021 | 1,865.86 | 2,944.02 | 1,858.69 | 459.35 |
2022 | 2,256.87 | 3,543.95 | 1,765.79 | 450.67 |
2023 | 3,578.94 | 4,266.93 | 1,009.16 | 468.97 |
Analysts Estimates (Million)
Analysts Estimates (Million)
Item | Q3 2024 (e) | Q3 2024 (a) | Change |
---|---|---|---|
Average | 1,167.17 | 1,148.12 | (1.6 %) |
Estimates vs Actual (Million)
Estimates Accuracy
Item | Q3 2024 (e) | Q3 2024 (a) | Change |
---|---|---|---|
Riyad Capital | 1,139.00 | 1,148.12 | 0.8 % |
Hermes | 1,176.00 | 1,148.12 | (2.4) % |
Sico | 1,183.00 | 1,148.12 | (2.9) % |
SNB Capital | 1,202.00 | 1,148.12 | (4.5) % |
Citi Bank Group | 1,095.00 | 1,148.12 | 4.9 % |
Bank of America | 1,085.00 | 1,148.12 | 5.8 % |
OSOOL AND BAKHEET | 1,290.21 | 1,148.12 | (11.0) % |
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