National Commercial Bank (NCB) reported a 16.3 percent year-on-year (YoY) increase in net profit to SAR 8.01 billion in the first nine months of 2019, as compared to SAR 6.88 billion in the same period last year.
It can be attributed to an increase in net special commission income (NSCI) and lower other operating expenses, the company said in a bourse statement.
Item | 9m 2018 | 9m 2019 | Change |
---|---|---|---|
Net Special Commission Income | 10,629.43 | 11,534.13 | 8.5 % |
Operating Income | 14,171.39 | 14,997.75 | 5.8 % |
Total Provisions | (943.32) | (1132.70) | (20.1 %) |
Net Income | 6,888.37 | 8,011.83 | 16.3 % |
Average Shares | 4,019.65 | 4,019.65 | - |
EPS (Riyals) | 1.71 | 1.99 | 16.3 % |
In Q2 2019, the company reported a net profit of SAR 2.5 billion as compared to SAR 2.12 billion in the same period previous year, backed by an increase of 5.9 percent in total operating income due to a rise in NSCI and investment related income.
Item | Q3 2018 | Q3 2019 | Change |
---|---|---|---|
Net Special Commission Income | 3,637.42 | 3,872.62 | 6.5 % |
Operating Income | 4,731.60 | 4,996.53 | 5.6 % |
Debt Provisions | (610.35) | (662.64) | (8.6 %) |
Net Income | 2,120.36 | 2,550.70 | 20.3 % |
Average Shares | 4,019.65 | 4,019.65 | - |
EPS (Riyals) | 0.53 | 0.63 | 20.3 % |
Item | Q2 2019 | Q3 2019 | Change |
---|---|---|---|
Net Special Commission Income | 3,907.43 | 3,872.62 | (0.9 %) |
Operating Income | 5,050.41 | 4,996.53 | (1.1 %) |
Debt Provisions | (324.74) | (662.64) | (104.1 %) |
Net Income | 2,685.59 | 2,550.70 | (5.0 %) |
Average Shares | 4,019.65 | 4,019.65 | - |
EPS (Riyals) | 0.67 | 0.63 | (5.0 %) |
Item | 9m 2018 | 9m 2019 | Change |
---|---|---|---|
Assets | 460.83 | 496.59 | 7.8 % |
Customer Deposits | 325.46 | 340.38 | 4.6 % |
Loan | 268.25 | 279.07 | 4.0 % |
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
Q1 2010 | 2,143.79 | 3.8 % | 3,099.05 | (2.1 %) | (552.03) | 17.7 % |
Q2 2010 | 1,990.25 | 3.7 % | 3,011.06 | 6.9 % | (612.95) | (44.2 %) |
Q3 2010 | 1,978.17 | 1.0 % | 2,826.25 | (3.6 %) | (587.79) | 23.6 % |
Q4 2010 | 2,037.60 | (3.1 %) | 2,730.89 | 6.6 % | (78.79) | 87.0 % |
2010 | 8,149.80 | 1.3 % | 11,667.26 | 1.6 % | (1,831.56) | 26.0 % |
Q1 2011 | 2,072.45 | (3.3 %) | 3,059.38 | (1.3 %) | (296.60) | 46.3 % |
Q2 2011 | 2,116.00 | 6.3 % | 3,075.09 | 2.1 % | (407.97) | 33.4 % |
Q3 2011 | 2,173.22 | 9.9 % | 3,059.64 | 8.3 % | (212.25) | 63.9 % |
Q4 2011 | 2,219.76 | 8.9 % | 2,939.51 | 7.6 % | (116.50) | (47.9 %) |
2011 | 8,581.43 | 5.3 % | 12,133.61 | 4.0 % | (1,033.32) | 43.6 % |
Q1 2012 | 2,303.73 | 11.2 % | 3,703.85 | 21.1 % | (395.58) | (33.4 %) |
Q2 2012 | 2,176.14 | 2.8 % | 3,380.72 | 9.9 % | (351.03) | 14.0 % |
Q3 2012 | 2,332.29 | 7.3 % | 3,271.63 | 6.9 % | (424.82) | (100.2 %) |
Q4 2012 | 2,147.42 | (3.3 %) | 3,152.71 | 7.3 % | (264.59) | (127.1 %) |
2012 | 8,959.58 | 4.4 % | 13,508.91 | 11.3 % | (1,436.01) | (39.0 %) |
Q1 2013 | 2,533.05 | 10.0 % | 4,065.77 | 9.8 % | (259.83) | 34.3 % |
Q2 2013 | 2,546.09 | 17.0 % | 3,699.88 | 9.4 % | (156.08) | 55.5 % |
Q3 2013 | 2,373.59 | 1.8 % | 3,423.34 | 4.6 % | (199.61) | 53.0 % |
Q4 2013 | 2,643.48 | 23.1 % | 3,668.53 | 16.4 % | (179.83) | 32.0 % |
2013 | 10,096.20 | 12.7 % | 14,857.52 | 10.0 % | (795.35) | 44.6 % |
Q1 2014 | 2,708.28 | 6.9 % | 3,864.29 | (5.0 %) | (205.65) | 20.9 % |
Q2 2014 | 2,842.93 | 11.7 % | 4,214.98 | 13.9 % | 91.77 | 158.8 % |
Q3 2014 | 2,790.58 | 17.6 % | 4,114.35 | 20.2 % | (400.86) | (100.8 %) |
Q4 2014 | 3,062.34 | 15.8 % | 4,053.41 | 10.5 % | (480.72) | (167.3 %) |
2014 | 11,404.13 | 13.0 % | 16,247.03 | 9.4 % | (995.46) | (25.2 %) |
Q1 2015 | 3,033.56 | 12.0 % | 4,447.54 | 15.1 % | (218.33) | (6.2 %) |
Q2 2015 | 3,122.72 | 9.8 % | 4,282.93 | 1.6 % | (278.85) | (403.9 %) |
Q3 2015 | 3,255.60 | 16.7 % | 4,312.86 | 4.8 % | (713.13) | (77.9 %) |
Q4 2015 | 3,169.96 | 3.5 % | 4,442.37 | 9.6 % | (390.05) | 18.9 % |
2015 | 12,581.83 | 10.3 % | 17,485.69 | 7.6 % | (1,600.35) | (60.8 %) |
Q1 2016 | 3,435.82 | 13.3 % | 4,723.97 | 6.2 % | (346.63) | (58.8 %) |
Q2 2016 | 3,348.18 | 7.2 % | 4,660.25 | 8.8 % | (381.30) | (36.7 %) |
Q3 2016 | 3,441.72 | 5.7 % | 4,662.80 | 8.1 % | (839.11) | (17.7 %) |
Q4 2016 | 3,323.86 | 4.9 % | 4,600.36 | 3.6 % | (363.93) | 6.7 % |
2016 | 13,549.58 | 7.7 % | 18,647.38 | 6.6 % | (1,930.97) | (20.7 %) |
Q1 2017 | 3,359.46 | (2.2 %) | 4,859.82 | 2.9 % | (421.98) | (21.7 %) |
Q2 2017 | 3,472.91 | 3.7 % | 4,478.34 | (3.9 %) | (477.71) | (25.3 %) |
Q3 2017 | 3,453.44 | 0.3 % | 4,491.53 | (3.7 %) | (707.21) | 15.7 % |
Q4 2017 | 3,375.17 | 1.5 % | 4,515.54 | (1.8 %) | (285.96) | 21.4 % |
2017 | 13,660.98 | 0.8 % | 18,345.23 | (1.6 %) | (1,892.86) | 2.0 % |
Q1 2018 | 3,418.57 | 1.8 % | 4,779.24 | (1.7 %) | 2.34 | 100.6 % |
Q2 2018 | 3,573.43 | 2.9 % | 4,660.55 | 4.1 % | (335.31) | 29.8 % |
Q3 2018 | 3,637.42 | 5.3 % | 4,731.60 | 5.3 % | (610.35) | 13.7 % |
Q4 2018 | 4,493.72 | 33.1 % | 4,755.83 | 5.3 % | (403.75) | (41.2 %) |
2018 | 15,123.14 | 10.7 % | 18,927.22 | 3.2 % | (1,347.07) | 28.8 % |
Q1 2019 | 3,754.08 | 9.8 % | 4,950.81 | 3.6 % | (145.33) | (6323.9 %) |
Q2 2019 | 3,907.43 | 9.3 % | 5,050.41 | 8.4 % | (324.74) | 3.2 % |
Q3 2019 | 3,872.62 | 6.5 % | 4,996.53 | 5.6 % | (662.64) | (8.6 %) |
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
2009 | 8,045.65 | - | 11,478.64 | - | (2,473.73) | - |
2010 | 8,149.80 | 1.3 % | 11,667.26 | 1.6 % | (1,831.56) | 26.0 % |
2011 | 8,581.43 | 5.3 % | 12,133.61 | 4.0 % | (1,033.32) | 43.6 % |
2012 | 8,959.58 | 4.4 % | 13,508.91 | 11.3 % | (1,436.01) | (39.0 %) |
2013 | 10,096.20 | 12.7 % | 14,857.52 | 10.0 % | (795.35) | 44.6 % |
2014 | 11,404.13 | 13.0 % | 16,247.03 | 9.4 % | (995.46) | (25.2 %) |
2015 | 12,581.83 | 10.3 % | 17,485.69 | 7.6 % | (1,600.35) | (60.8 %) |
2016 | 13,549.58 | 7.7 % | 18,647.38 | 6.6 % | (1,930.97) | (20.7 %) |
2017 | 13,660.98 | 0.8 % | 18,345.23 | (1.6 %) | (1,892.86) | 2.0 % |
2018 | 15,123.14 | 10.7 % | 18,927.22 | 3.2 % | (1,347.07) | 28.8 % |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
Q1 2010 | 1,413.06 | 35.1 % | 0.35 | - | 1,413.06 | 0.35 |
Q2 2010 | 1,226.70 | 2.9 % | 0.31 | - | 1,226.70 | 0.31 |
Q3 2010 | 828.38 | (19.9 %) | 0.21 | - | 828.38 | 0.21 |
Q4 2010 | 1,255.70 | 63.3 % | 0.31 | - | 1,255.70 | 0.31 |
2010 | 4,723.84 | 16.9 % | 1.18 | - | 4,723.84 | 1.18 |
Q1 2011 | 1,502.98 | 6.4 % | 0.37 | - | 1,502.98 | 0.37 |
Q2 2011 | 1,424.32 | 16.1 % | 0.35 | - | 1,424.32 | 0.35 |
Q3 2011 | 1,545.87 | 86.6 % | 0.38 | - | 1,545.87 | 0.38 |
Q4 2011 | 1,538.58 | 22.5 % | 0.38 | - | 1,538.58 | 0.38 |
2011 | 6,011.75 | 27.3 % | 1.50 | - | 6,011.75 | 1.50 |
Q1 2012 | 1,953.74 | 30.0 % | 0.49 | - | 1,953.74 | 0.49 |
Q2 2012 | 1,608.14 | 12.9 % | 0.40 | - | 1,608.14 | 0.40 |
Q3 2012 | 1,480.49 | (4.2 %) | 0.37 | - | 1,480.49 | 0.37 |
Q4 2012 | 1,410.44 | (8.3 %) | 0.35 | - | 1,410.44 | 0.35 |
2012 | 6,452.80 | 7.3 % | 1.61 | - | 6,452.80 | 1.61 |
Q1 2013 | 2,331.96 | 19.4 % | 0.58 | - | 2,331.96 | 0.58 |
Q2 2013 | 1,992.11 | 23.9 % | 0.50 | - | 1,992.11 | 0.50 |
Q3 2013 | 1,733.21 | 17.1 % | 0.43 | - | 1,733.21 | 0.43 |
Q4 2013 | 1,794.93 | 27.3 % | 0.45 | - | 1,794.93 | 0.45 |
2013 | 7,852.20 | 21.7 % | 1.95 | - | 7,852.20 | 1.95 |
Q1 2014 | 2,535.31 | 8.7 % | 0.63 | - | 2,535.31 | 0.63 |
Q2 2014 | 2,425.41 | 21.8 % | 0.60 | - | 2,425.41 | 0.60 |
Q3 2014 | 1,869.11 | 7.8 % | 0.46 | - | 1,869.11 | 0.46 |
Q4 2014 | 1,825.33 | 1.7 % | 0.45 | - | 1,825.33 | 0.45 |
2014 | 8,655.15 | 10.2 % | 2.15 | - | 8,655.15 | 2.15 |
Q1 2015 | 2,605.57 | 2.8 % | 0.65 | - | 2,605.57 | 0.65 |
Q2 2015 | 2,362.92 | (2.6 %) | 0.59 | - | 2,362.92 | 0.59 |
Q3 2015 | 1,994.14 | 6.7 % | 0.50 | - | 1,994.14 | 0.50 |
Q4 2015 | 2,126.56 | 16.5 % | 0.53 | - | 2,126.56 | 0.53 |
2015 | 9,089.18 | 5.0 % | 2.26 | - | 9,089.18 | 2.26 |
Q1 2016 | 2,630.81 | 1.0 % | 0.65 | - | 2,630.81 | 0.65 |
Q2 2016 | 2,437.54 | 3.2 % | 0.61 | - | 2,437.54 | 0.61 |
Q3 2016 | 1,961.78 | (1.6 %) | 0.49 | - | 1,961.78 | 0.49 |
Q4 2016 | 2,286.72 | 7.5 % | 0.57 | - | 2,286.72 | 0.57 |
2016 | 9,316.86 | 2.5 % | 2.32 | - | 9,316.86 | 2.32 |
Q1 2017 | 2,702.56 | 2.7 % | 0.67 | - | 2,702.56 | 0.67 |
Q2 2017 | 2,417.42 | (0.8 %) | 0.60 | - | 2,417.42 | 0.60 |
Q3 2017 | 2,125.61 | 8.4 % | 0.53 | - | 2,125.61 | 0.53 |
Q4 2017 | 2,556.39 | 11.8 % | 0.64 | - | 2,556.39 | 0.64 |
2017 | 9,801.98 | 5.2 % | 2.44 | - | 9,801.98 | 2.44 |
Q1 2018 | 2,592.19 | (4.1 %) | 0.64 | - | 2,592.19 | 0.64 |
Q2 2018 | 2,166.35 | (10.4 %) | 0.54 | - | 2,166.35 | 0.54 |
Q3 2018 | 2,120.36 | (0.2 %) | 0.53 | - | 2,120.36 | 0.53 |
Q4 2018 | 2,705.58 | 5.8 % | 0.67 | - | 2,705.58 | 0.67 |
2018 | 9,593.95 | (2.1 %) | 2.39 | - | 9,593.95 | 2.39 |
Q1 2019 | 2,775.54 | 7.1 % | 0.69 | - | 2,775.54 | 0.69 |
Q2 2019 | 2,685.59 | 24.0 % | 0.67 | - | 2,685.59 | 0.67 |
Q3 2019 | 2,550.70 | 20.3 % | 0.63 | - | 2,550.70 | 0.63 |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
2009 | 4,040.26 | - | 1.01 | - | 4,040.26 | 1.01 |
2010 | 4,723.84 | 16.9 % | 1.18 | - | 4,723.84 | 1.18 |
2011 | 6,011.75 | 27.3 % | 1.50 | - | 6,011.75 | 1.50 |
2012 | 6,452.80 | 7.3 % | 1.61 | - | 6,452.80 | 1.61 |
2013 | 7,852.20 | 21.7 % | 1.95 | - | 7,852.20 | 1.95 |
2014 | 8,655.15 | 10.2 % | 2.15 | - | 8,655.15 | 2.15 |
2015 | 9,089.18 | 5.0 % | 2.26 | - | 9,089.18 | 2.26 |
2016 | 9,316.86 | 2.5 % | 2.32 | - | 9,316.86 | 2.32 |
2017 | 9,801.98 | 5.2 % | 2.44 | - | 9,801.98 | 2.44 |
2018 | 9,593.95 | (2.1 %) | 2.39 | - | 9,593.95 | 2.39 |
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
Q1 2010 | 1.71 % | 16.23 % | 71.19 % |
Q2 2010 | 1.71 % | 15.85 % | 70.62 % |
Q3 2010 | 1.62 % | 14.22 % | 71.44 % |
Q4 2010 | 1.75 % | 15.60 % | 69.85 % |
2010 | 1.75 % | 15.60 % | 69.85 % |
Q1 2011 | 1.71 % | 15.64 % | 69.48 % |
Q2 2011 | 1.74 % | 16.46 % | 70.17 % |
Q3 2011 | 1.98 % | 17.87 % | 70.43 % |
Q4 2011 | 2.06 % | 18.37 % | 70.72 % |
2011 | 2.06 % | 18.37 % | 70.72 % |
Q1 2012 | 2.11 % | 19.02 % | 68.97 % |
Q2 2012 | 2.10 % | 19.84 % | 67.82 % |
Q3 2012 | 2.10 % | 18.80 % | 67.93 % |
Q4 2012 | 2.00 % | 17.96 % | 66.32 % |
2012 | 2.00 % | 17.96 % | 66.32 % |
Q1 2013 | 2.03 % | 18.53 % | 66.25 % |
Q2 2013 | 2.11 % | 19.21 % | 67.36 % |
Q3 2013 | 2.17 % | 19.39 % | 66.94 % |
Q4 2013 | 2.17 % | 19.97 % | 67.95 % |
2013 | 2.17 % | 19.97 % | 67.95 % |
Q1 2014 | 2.07 % | 19.96 % | 70.08 % |
Q2 2014 | 2.13 % | 20.09 % | 69.66 % |
Q3 2014 | 2.14 % | 20.33 % | 69.25 % |
Q4 2014 | 2.13 % | 20.09 % | 70.19 % |
2014 | 2.13 % | 20.09 % | 70.19 % |
Q1 2015 | 2.01 % | 19.45 % | 69.69 % |
Q2 2015 | 1.93 % | 18.71 % | 71.07 % |
Q3 2015 | 1.92 % | 19.01 % | 72.96 % |
Q4 2015 | 2.06 % | 19.41 % | 71.96 % |
2015 | 2.06 % | 19.41 % | 71.96 % |
Q1 2016 | 2.02 % | 18.46 % | 73.10 % |
Q2 2016 | 2.01 % | 18.39 % | 72.82 % |
Q3 2016 | 2.00 % | 18.35 % | 72.45 % |
Q4 2016 | 2.09 % | 18.36 % | 72.66 % |
2016 | 2.09 % | 18.36 % | 72.66 % |
Q1 2017 | 2.08 % | 17.67 % | 71.73 % |
Q2 2017 | 2.07 % | 17.88 % | 73.10 % |
Q3 2017 | 2.15 % | 17.92 % | 73.84 % |
Q4 2017 | 2.21 % | 17.97 % | 74.47 % |
2017 | 2.21 % | 17.97 % | 74.47 % |
Q1 2018 | 2.18 % | 17.36 % | 75.12 % |
Q2 2018 | 2.08 % | 17.18 % | 74.92 % |
Q3 2018 | 2.08 % | 17.16 % | 74.94 % |
Q4 2018 | 2.14 % | 16.85 % | 79.90 % |
2018 | 2.14 % | 16.86 % | 79.90 % |
Q1 2019 | 2.16 % | 16.78 % | 80.94 % |
Q2 2019 | 2.21 % | 17.70 % | 81.04 % |
Q3 2019 | 2.24 % | 18.75 % | 81.14 % |
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
2009 | - | - | 70.09 % |
2010 | 1.75 % | 15.60 % | 69.85 % |
2011 | 2.06 % | 18.37 % | 70.72 % |
2012 | 2.00 % | 17.96 % | 66.32 % |
2013 | 2.17 % | 19.97 % | 67.95 % |
2014 | 2.13 % | 20.09 % | 70.19 % |
2015 | 2.06 % | 19.41 % | 71.96 % |
2016 | 2.09 % | 18.36 % | 72.66 % |
2017 | 2.21 % | 17.97 % | 74.47 % |
2018 | 2.14 % | 16.86 % | 79.90 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
Q1 2010 | 264.82 | 5.6 % | 201.26 | (1.4 %) | 113.79 | 11.6 % |
Q2 2010 | 263.27 | 2.5 % | 204.81 | (1.0 %) | 116.96 | 10.5 % |
Q3 2010 | 271.23 | 7.2 % | 215.08 | 8.4 % | 122.55 | 5.2 % |
Q4 2010 | 282.37 | 9.7 % | 229.16 | 13.1 % | 125.60 | 12.0 % |
Q1 2011 | 298.88 | 12.9 % | 239.34 | 18.9 % | 124.81 | 9.7 % |
Q2 2011 | 313.78 | 19.2 % | 250.66 | 22.4 % | 130.18 | 11.3 % |
Q3 2011 | 306.98 | 13.2 % | 242.99 | 13.0 % | 129.82 | 5.9 % |
Q4 2011 | 301.20 | 6.7 % | 239.46 | 4.5 % | 135.29 | 7.7 % |
Q1 2012 | 313.64 | 4.9 % | 247.92 | 3.6 % | 142.34 | 14.0 % |
Q2 2012 | 320.42 | 2.1 % | 250.27 | (0.2 %) | 150.27 | 15.4 % |
Q3 2012 | 320.80 | 4.5 % | 251.33 | 3.4 % | 157.21 | 21.1 % |
Q4 2012 | 345.26 | 14.6 % | 273.53 | 14.2 % | 163.46 | 20.8 % |
Q1 2013 | 358.02 | 14.1 % | 276.68 | 11.6 % | 170.63 | 19.9 % |
Q2 2013 | 362.80 | 13.2 % | 288.05 | 15.1 % | 178.21 | 18.6 % |
Q3 2013 | 367.09 | 14.4 % | 294.78 | 17.3 % | 184.40 | 17.3 % |
Q4 2013 | 377.29 | 9.3 % | 300.60 | 9.9 % | 187.69 | 14.8 % |
Q1 2014 | 420.37 | 17.4 % | 333.07 | 20.4 % | 197.39 | 15.7 % |
Q2 2014 | 435.53 | 20.0 % | 345.60 | 20.0 % | 206.19 | 15.7 % |
Q3 2014 | 437.91 | 19.3 % | 343.94 | 16.7 % | 213.53 | 15.8 % |
Q4 2014 | 434.88 | 15.3 % | 333.10 | 10.8 % | 220.72 | 17.6 % |
Q1 2015 | 449.80 | 7.0 % | 342.85 | 2.9 % | 227.13 | 15.1 % |
Q2 2015 | 461.41 | 5.9 % | 360.98 | 4.5 % | 234.28 | 13.6 % |
Q3 2015 | 476.83 | 8.9 % | 367.37 | 6.8 % | 238.60 | 11.7 % |
Q4 2015 | 448.64 | 3.2 % | 323.87 | (2.8 %) | 252.94 | 14.6 % |
Q1 2016 | 452.00 | 0.5 % | 326.03 | (4.9 %) | 265.34 | 16.8 % |
Q2 2016 | 452.61 | (1.9 %) | 314.71 | (12.8 %) | 264.77 | 13.0 % |
Q3 2016 | 438.76 | (8.0 %) | 311.23 | (15.3 %) | 259.92 | 8.9 % |
Q4 2016 | 442.66 | (1.3 %) | 315.62 | (2.5 %) | 253.59 | 0.3 % |
Q1 2017 | 449.00 | (0.7 %) | 313.65 | (3.8 %) | 254.20 | (4.2 %) |
Q2 2017 | 450.49 | (0.5 %) | 314.69 | 0.0 % | 256.90 | (3.0 %) |
Q3 2017 | 446.19 | 1.7 % | 302.59 | (2.8 %) | 256.85 | (1.2 %) |
Q4 2017 | 444.79 | 0.5 % | 308.94 | (2.1 %) | 249.23 | (1.7 %) |
Q1 2018 | 438.90 | (2.2 %) | 309.00 | (1.5 %) | 252.78 | (0.6 %) |
Q2 2018 | 455.73 | 1.2 % | 317.65 | 0.9 % | 266.04 | 3.6 % |
Q3 2018 | 460.83 | 3.3 % | 325.46 | 7.6 % | 268.25 | 4.4 % |
Q4 2018 | 452.18 | 1.7 % | 318.70 | 3.2 % | 265.06 | 6.4 % |
Q1 2019 | 464.91 | 5.9 % | 309.68 | 0.2 % | 267.22 | 5.7 % |
Q2 2019 | 476.59 | 4.6 % | 327.44 | 3.1 % | 274.83 | 3.3 % |
Q3 2019 | 496.59 | 7.8 % | 340.38 | 4.6 % | 279.07 | 4.0 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
3m 2010 | 264.82 | 5.6 % | 201.26 | (1.4 %) | 113.79 | 11.6 % |
6m 2010 | 263.27 | 2.5 % | 204.81 | (1.0 %) | 116.96 | 10.5 % |
9m 2010 | 271.23 | 7.2 % | 215.08 | 8.4 % | 122.55 | 5.2 % |
12m 2010 | 282.37 | 9.7 % | 229.16 | 13.1 % | 125.60 | 12.0 % |
3m 2011 | 298.88 | 12.9 % | 239.34 | 18.9 % | 124.81 | 9.7 % |
6m 2011 | 313.78 | 19.2 % | 250.66 | 22.4 % | 130.18 | 11.3 % |
9m 2011 | 306.98 | 13.2 % | 242.99 | 13.0 % | 129.82 | 5.9 % |
12m 2011 | 301.20 | 6.7 % | 239.46 | 4.5 % | 135.29 | 7.7 % |
3m 2012 | 313.64 | 4.9 % | 247.92 | 3.6 % | 142.34 | 14.0 % |
6m 2012 | 320.42 | 2.1 % | 250.27 | (0.2 %) | 150.27 | 15.4 % |
9m 2012 | 320.80 | 4.5 % | 251.33 | 3.4 % | 157.21 | 21.1 % |
12m 2012 | 345.26 | 14.6 % | 273.53 | 14.2 % | 163.46 | 20.8 % |
3m 2013 | 358.02 | 14.1 % | 276.68 | 11.6 % | 170.63 | 19.9 % |
6m 2013 | 362.80 | 13.2 % | 288.05 | 15.1 % | 178.21 | 18.6 % |
9m 2013 | 367.09 | 14.4 % | 294.78 | 17.3 % | 184.40 | 17.3 % |
12m 2013 | 377.29 | 9.3 % | 300.60 | 9.9 % | 187.69 | 14.8 % |
3m 2014 | 420.37 | 17.4 % | 333.07 | 20.4 % | 197.39 | 15.7 % |
6m 2014 | 435.53 | 20.0 % | 345.60 | 20.0 % | 206.19 | 15.7 % |
9m 2014 | 437.91 | 19.3 % | 343.94 | 16.7 % | 213.53 | 15.8 % |
12m 2014 | 434.88 | 15.3 % | 333.10 | 10.8 % | 220.72 | 17.6 % |
3m 2015 | 449.80 | 7.0 % | 342.85 | 2.9 % | 227.13 | 15.1 % |
6m 2015 | 461.41 | 5.9 % | 360.98 | 4.5 % | 234.28 | 13.6 % |
9m 2015 | 476.83 | 8.9 % | 367.37 | 6.8 % | 238.60 | 11.7 % |
12m 2015 | 448.64 | 3.2 % | 323.87 | (2.8 %) | 252.94 | 14.6 % |
3m 2016 | 452.00 | 0.5 % | 326.03 | (4.9 %) | 265.34 | 16.8 % |
6m 2016 | 452.61 | (1.9 %) | 314.71 | (12.8 %) | 264.77 | 13.0 % |
9m 2016 | 438.76 | (8.0 %) | 311.23 | (15.3 %) | 259.92 | 8.9 % |
12m 2016 | 442.66 | (1.3 %) | 315.62 | (2.5 %) | 253.59 | 0.3 % |
3m 2017 | 449.00 | (0.7 %) | 313.65 | (3.8 %) | 254.20 | (4.2 %) |
6m 2017 | 450.49 | (0.5 %) | 314.69 | 0.0 % | 256.90 | (3.0 %) |
9m 2017 | 446.19 | 1.7 % | 302.59 | (2.8 %) | 256.85 | (1.2 %) |
12m 2017 | 444.79 | 0.5 % | 308.94 | (2.1 %) | 249.23 | (1.7 %) |
3m 2018 | 438.90 | (2.2 %) | 309.00 | (1.5 %) | 252.78 | (0.6 %) |
6m 2018 | 455.73 | 1.2 % | 317.65 | 0.9 % | 266.04 | 3.6 % |
9m 2018 | 460.83 | 3.3 % | 325.46 | 7.6 % | 268.25 | 4.4 % |
12m 2018 | 452.18 | 1.7 % | 318.70 | 3.2 % | 265.06 | 6.4 % |
3m 2019 | 464.91 | 5.9 % | 309.68 | 0.2 % | 267.22 | 5.7 % |
6m 2019 | 476.59 | 4.6 % | 327.44 | 3.1 % | 274.83 | 3.3 % |
9m 2019 | 496.59 | 7.8 % | 340.38 | 4.6 % | 279.07 | 4.0 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
2009 | 257.45 | - | 202.58 | - | 112.16 | - |
2010 | 282.37 | 9.7 % | 229.16 | 13.1 % | 125.60 | 12.0 % |
2011 | 301.20 | 6.7 % | 239.46 | 4.5 % | 135.29 | 7.7 % |
2012 | 345.26 | 14.6 % | 273.53 | 14.2 % | 163.46 | 20.8 % |
2013 | 377.29 | 9.3 % | 300.60 | 9.9 % | 187.69 | 14.8 % |
2014 | 434.88 | 15.3 % | 333.10 | 10.8 % | 220.72 | 17.6 % |
2015 | 448.64 | 3.2 % | 323.87 | (2.8 %) | 252.94 | 14.6 % |
2016 | 442.66 | (1.3 %) | 315.62 | (2.5 %) | 253.59 | 0.3 % |
2017 | 444.79 | 0.5 % | 308.94 | (2.1 %) | 249.23 | (1.7 %) |
2018 | 452.18 | 1.7 % | 318.70 | 3.2 % | 265.06 | 6.4 % |
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
Q1 2010 | 76.00 % | 42.97 % | 56.54 % |
Q2 2010 | 77.79 % | 44.42 % | 57.11 % |
Q3 2010 | 79.30 % | 45.18 % | 56.98 % |
Q4 2010 | 81.16 % | 44.48 % | 54.81 % |
Q1 2011 | 80.08 % | 41.76 % | 52.15 % |
Q2 2011 | 79.88 % | 41.49 % | 51.94 % |
Q3 2011 | 79.16 % | 42.29 % | 53.43 % |
Q4 2011 | 79.50 % | 44.92 % | 56.50 % |
Q1 2012 | 79.05 % | 45.38 % | 57.41 % |
Q2 2012 | 78.11 % | 46.90 % | 60.04 % |
Q3 2012 | 78.34 % | 49.01 % | 62.55 % |
Q4 2012 | 79.22 % | 47.34 % | 59.76 % |
Q1 2013 | 77.28 % | 47.66 % | 61.67 % |
Q2 2013 | 79.40 % | 49.12 % | 61.87 % |
Q3 2013 | 80.30 % | 50.23 % | 62.56 % |
Q4 2013 | 79.67 % | 49.75 % | 62.44 % |
Q1 2014 | 79.23 % | 46.96 % | 59.26 % |
Q2 2014 | 79.35 % | 47.34 % | 59.66 % |
Q3 2014 | 78.54 % | 48.76 % | 62.08 % |
Q4 2014 | 76.60 % | 50.75 % | 66.26 % |
Q1 2015 | 76.22 % | 50.49 % | 66.25 % |
Q2 2015 | 78.23 % | 50.78 % | 64.90 % |
Q3 2015 | 77.04 % | 50.04 % | 64.95 % |
Q4 2015 | 72.19 % | 56.38 % | 78.10 % |
Q1 2016 | 72.13 % | 58.70 % | 81.39 % |
Q2 2016 | 69.53 % | 58.50 % | 84.13 % |
Q3 2016 | 70.93 % | 59.24 % | 83.51 % |
Q4 2016 | 71.30 % | 57.29 % | 80.35 % |
Q1 2017 | 69.86 % | 56.62 % | 81.05 % |
Q2 2017 | 69.86 % | 57.03 % | 81.64 % |
Q3 2017 | 67.82 % | 57.57 % | 84.88 % |
Q4 2017 | 69.46 % | 56.03 % | 80.67 % |
Q1 2018 | 70.40 % | 57.59 % | 81.80 % |
Q2 2018 | 69.70 % | 58.38 % | 83.75 % |
Q3 2018 | 70.63 % | 58.21 % | 82.42 % |
Q4 2018 | 70.48 % | 58.62 % | 83.17 % |
Q1 2019 | 66.61 % | 57.48 % | 86.29 % |
Q2 2019 | 68.70 % | 57.67 % | 83.93 % |
Q3 2019 | 68.54 % | 56.20 % | 81.99 % |
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
2009 | 78.69 % | 43.56 % | 55.36 % |
2010 | 81.16 % | 44.48 % | 54.81 % |
2011 | 79.50 % | 44.92 % | 56.50 % |
2012 | 79.22 % | 47.34 % | 59.76 % |
2013 | 79.67 % | 49.75 % | 62.44 % |
2014 | 76.60 % | 50.75 % | 66.26 % |
2015 | 72.19 % | 56.38 % | 78.10 % |
2016 | 71.30 % | 57.29 % | 80.35 % |
2017 | 69.46 % | 56.03 % | 80.67 % |
2018 | 70.48 % | 58.62 % | 83.17 % |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
Q1 2010 | 4,019.65 | 1.10 | 1.10 | - | 7.17 |
Q2 2010 | 4,019.65 | 1.11 | 1.11 | - | 7.24 |
Q3 2010 | 4,019.65 | 1.05 | 1.05 | - | 7.68 |
Q4 2010 | 4,019.65 | 1.18 | 1.18 | - | 7.78 |
Q1 2011 | 4,019.65 | 1.20 | 1.20 | - | 8.14 |
Q2 2011 | 4,019.65 | 1.25 | 1.25 | - | 7.91 |
Q3 2011 | 4,019.65 | 1.43 | 1.43 | - | 8.27 |
Q4 2011 | 4,019.65 | 1.50 | 1.50 | - | 8.50 |
Q1 2012 | 4,019.65 | 1.61 | 1.61 | - | 8.76 |
Q2 2012 | 4,019.65 | 1.65 | 1.65 | - | 8.76 |
Q3 2012 | 4,019.65 | 1.64 | 1.64 | - | 9.15 |
Q4 2012 | 4,019.65 | 1.61 | 1.61 | - | 9.38 |
Q1 2013 | 4,019.65 | 1.70 | 1.70 | - | 9.58 |
Q2 2013 | 4,019.65 | 1.79 | 1.79 | - | 9.93 |
Q3 2013 | 4,019.65 | 1.86 | 1.86 | - | 10.01 |
Q4 2013 | 4,019.65 | 1.95 | 1.95 | - | 10.18 |
Q1 2014 | 4,019.65 | 2.00 | 2.00 | - | 10.51 |
Q2 2014 | 4,019.65 | 2.11 | 2.11 | - | 11.10 |
Q3 2014 | 4,019.65 | 2.15 | 2.15 | - | 11.10 |
Q4 2014 | 4,019.65 | 2.15 | 2.15 | - | 11.25 |
Q1 2015 | 4,019.65 | 2.17 | 2.17 | - | 11.81 |
Q2 2015 | 4,019.65 | 2.16 | 2.16 | - | 11.95 |
Q3 2015 | 4,019.65 | 2.19 | 2.19 | - | 11.91 |
Q4 2015 | 4,019.65 | 2.26 | 2.26 | - | 12.06 |
Q1 2016 | 4,019.65 | 2.27 | 2.27 | - | 12.75 |
Q2 2016 | 4,019.65 | 2.29 | 2.29 | - | 12.91 |
Q3 2016 | 4,019.65 | 2.28 | 2.28 | - | 12.92 |
Q4 2016 | 4,019.65 | 2.32 | 2.32 | - | 13.19 |
Q1 2017 | 4,019.65 | 2.34 | 2.34 | - | 13.68 |
Q2 2017 | 4,019.65 | 2.33 | 2.33 | - | 13.15 |
Q3 2017 | 4,019.65 | 2.37 | 2.37 | - | 13.54 |
Q4 2017 | 4,019.65 | 2.44 | 2.44 | - | 13.94 |
Q1 2018 | 4,019.65 | 2.41 | 2.41 | - | 14.10 |
Q2 2018 | 4,019.65 | 2.35 | 2.35 | - | 14.18 |
Q3 2018 | 4,019.65 | 2.35 | 2.35 | - | 13.81 |
Q4 2018 | 4,019.65 | 2.38 | 2.38 | - | 14.36 |
Q1 2019 | 4,019.65 | 2.43 | 2.43 | - | 14.87 |
Q2 2019 | 4,019.65 | 2.56 | 2.56 | - | 14.74 |
Q3 2019 | 4,019.65 | 2.67 | 2.67 | - | 14.63 |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
2009 | 4,019.65 | 1.01 | 1.01 | - | 7.28 |
2010 | 4,019.65 | 1.18 | 1.18 | - | 7.78 |
2011 | 4,019.65 | 1.50 | 1.50 | - | 8.50 |
2012 | 4,019.65 | 1.61 | 1.61 | - | 9.38 |
2013 | 4,019.65 | 1.95 | 1.95 | - | 10.18 |
2014 | 4,019.65 | 2.15 | 2.15 | - | 11.25 |
2015 | 4,019.65 | 2.26 | 2.26 | - | 12.06 |
2016 | 4,019.65 | 2.32 | 2.32 | - | 13.19 |
2017 | 4,019.65 | 2.44 | 2.44 | - | 13.94 |
2018 | 4,019.65 | 2.39 | 2.39 | - | 14.36 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
Q1 2010 | - | - | - |
Q2 2010 | - | - | - |
Q3 2010 | - | - | - |
Q4 2010 | - | - | - |
Q1 2011 | - | - | - |
Q2 2011 | - | - | - |
Q3 2011 | - | - | - |
Q4 2011 | - | - | - |
Q1 2012 | - | - | - |
Q2 2012 | - | - | - |
Q3 2012 | - | - | - |
Q4 2012 | - | - | - |
Q1 2013 | - | - | - |
Q2 2013 | - | - | - |
Q3 2013 | - | - | - |
Q4 2013 | - | - | - |
Q1 2014 | - | - | - |
Q2 2014 | - | - | - |
Q3 2014 | - | - | - |
Q4 2014 | 18.97 | 18.97 | 3.63 |
Q1 2015 | 20.89 | 20.89 | 3.84 |
Q2 2015 | 21.52 | 21.52 | 3.88 |
Q3 2015 | 18.33 | 18.33 | 3.37 |
Q4 2015 | 16.78 | 16.78 | 3.15 |
Q1 2016 | 13.33 | 13.33 | 2.37 |
Q2 2016 | 12.99 | 12.99 | 2.30 |
Q3 2016 | 10.75 | 10.75 | 1.90 |
Q4 2016 | 13.65 | 13.65 | 2.40 |
Q1 2017 | 12.54 | 12.54 | 2.14 |
Q2 2017 | 16.92 | 16.92 | 3.00 |
Q3 2017 | 16.10 | 16.10 | 2.82 |
Q4 2017 | 16.77 | 16.77 | 2.93 |
Q1 2018 | 20.07 | 20.07 | 3.43 |
Q2 2018 | 23.05 | 23.05 | 3.82 |
Q3 2018 | 21.38 | 21.38 | 3.63 |
Q4 2018 | 22.36 | 22.36 | 3.71 |
Q1 2019 | 25.21 | 25.21 | 4.12 |
Q2 2019 | 24.20 | 24.20 | 4.20 |
Q3 2019 | 19.24 | 19.24 | 3.51 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
2009 | - | - | - |
2010 | - | - | - |
2011 | - | - | - |
2012 | - | - | - |
2013 | - | - | - |
2014 | 18.97 | 18.97 | 3.63 |
2015 | 16.78 | 16.78 | 3.15 |
2016 | 13.65 | 13.65 | 2.40 |
2017 | 16.77 | 16.77 | 2.93 |
2018 | 22.33 | 22.33 | 3.71 |
Q3 2019
2019
Period | Retail | Corporate and Institutional Banking | International Banking | Capital Market | Global markets and Treasury |
---|---|---|---|---|---|
Q1 2010 | 1,429.43 | 550.42 | 450.65 | 112.37 | 556.18 |
Q2 2010 | 1,354.72 | 516.49 | 437.95 | 150.77 | 551.14 |
Q3 2010 | 1,250.06 | 580.16 | 378.72 | 153.97 | 463.35 |
Q4 2010 | 1,181.16 | 524.00 | 444.44 | 127.34 | 453.94 |
Q1 2011 | 1,224.26 | 512.03 | 429.46 | 146.97 | 746.66 |
Q2 2011 | 1,211.32 | 507.83 | 467.96 | 147.43 | 740.55 |
Q3 2011 | 1,158.03 | 458.35 | 454.10 | 148.33 | 840.83 |
Q4 2011 | 1,162.53 | 531.82 | 493.19 | 78.14 | 673.83 |
Q1 2012 | 1,370.73 | 589.23 | 572.91 | 244.35 | 926.63 |
Q2 2012 | 1,324.88 | 486.68 | 527.86 | 201.57 | 839.73 |
Q3 2012 | 1,198.40 | 749.16 | 434.30 | 167.08 | 722.69 |
Q4 2012 | 1,197.65 | 490.57 | 565.60 | 155.74 | 743.17 |
Q1 2013 | 1,418.17 | 775.64 | 565.85 | 160.86 | 1,145.26 |
Q2 2013 | 1,276.19 | 933.13 | 551.32 | 167.65 | 771.59 |
Q3 2013 | 1,220.48 | 805.71 | 517.35 | 143.22 | 736.59 |
Q4 2013 | 1,387.79 | 920.72 | 503.54 | 132.59 | 723.88 |
Q1 2014 | 1,394.07 | 901.15 | 501.88 | 174.43 | 892.75 |
Q2 2014 | 1,444.40 | 926.59 | 527.50 | 219.17 | 1,097.32 |
Q3 2014 | 1,455.20 | 868.24 | 595.35 | 171.82 | 1,023.74 |
Q4 2014 | 1,427.35 | 1,032.33 | 628.39 | 188.93 | 776.42 |
Q1 2015 | 1,448.95 | 1,041.10 | 566.42 | 166.74 | 1,224.33 |
Q2 2015 | 1,522.94 | 1,034.67 | 528.51 | 183.19 | 1,013.61 |
Q3 2015 | 1,533.85 | 1,062.65 | 545.05 | 160.03 | 1,011.26 |
Q4 2015 | 1,854.84 | 1,002.57 | 546.46 | 181.42 | 857.08 |
Q1 2016 | 1,970.14 | 1,040.62 | 536.42 | 159.51 | 1,017.29 |
Q2 2016 | 1,985.35 | 1,054.82 | 589.90 | 147.36 | 882.82 |
Q3 2016 | 1,967.03 | 1,104.46 | 602.84 | 114.20 | 874.28 |
Q4 2016 | 1,782.46 | 1,186.84 | 501.03 | 159.65 | 970.39 |
Q1 2017 | 1,938.41 | 1,235.61 | 388.22 | 163.66 | 1,133.92 |
Q2 2017 | 1,924.73 | 1,042.93 | 393.30 | 144.16 | 973.23 |
Q3 2017 | 2,106.64 | 842.25 | 405.84 | 154.12 | 982.69 |
Q4 2017 | 2,171.24 | 973.67 | 390.38 | 173.87 | 806.38 |
Q1 2018 | 2,116.90 | 873.73 | 371.26 | 227.59 | 1,189.77 |
Q2 2018 | 1,976.75 | 1,075.78 | 442.12 | 176.26 | 989.64 |
Q3 2018 | 2,318.57 | 1,000.84 | 398.71 | 154.71 | 858.77 |
Q4 2018 | 2,260.08 | 1,111.00 | 314.71 | 161.60 | 908.44 |
Q1 2019 | 2,240.76 | 1,157.45 | 297.15 | 181.00 | 1,074.45 |
Q2 2019 | 2,385.91 | 965.58 | 353.75 | 216.64 | 1,128.53 |
Q3 2019 | 2,568.71 | 1,061.34 | 380.69 | 163.79 | 822.01 |
Period | Retail | Corporate and Institutional Banking | International Banking | Capital Market | Global markets and Treasury |
---|---|---|---|---|---|
2009 | 6,281.12 | 2,225.28 | 1,779.72 | 621.76 | 570.77 |
2010 | 5,215.36 | 2,171.07 | 1,711.77 | 544.45 | 2,024.61 |
2011 | 4,756.14 | 2,010.03 | 1,844.71 | 520.87 | 3,001.87 |
2012 | 5,091.66 | 2,315.64 | 2,100.66 | 768.74 | 3,232.21 |
2013 | 5,302.63 | 3,435.21 | 2,138.05 | 604.32 | 3,377.31 |
2014 | 5,721.01 | 3,728.31 | 2,253.12 | 754.36 | 3,790.23 |
2015 | 6,360.61 | 4,141.00 | 2,186.43 | 691.38 | 4,106.28 |
2016 | 7,704.97 | 4,386.73 | 2,230.19 | 580.72 | 3,744.77 |
2017 | 8,141.01 | 4,094.46 | 1,577.74 | 635.80 | 3,896.21 |
2018 | 8,672.30 | 4,061.35 | 1,526.80 | 720.17 | 3,946.61 |
Item | Q3 2019 (e) | Q3 2019 (a) | Change |
---|---|---|---|
Average | 2,550.70 | 2,550.70 | 0.0 % |
Item | Q3 2019 (e) | Q3 2019 (a) | Change |
---|---|---|---|
OSOOL AND BAKHEET | 2,550.70 | 2,550.70 | 0.0 % |
Current | |
Market Cap (M Riyal) | 198,600.00 |
Shares Outstanding ((M)) | 6,000.00 |
EPS ( Riyal) (TTM) | 3.43 |
EPS Diluted ( Riyal) (TTM) | 3.34 |
Book Value (BV) ( Riyal) | 27.98 |
Par Value ( Riyal) | 10.00 |
Adjusted P/E (Last12) | 9.64 |
P/E (TTM) | 9.64 |
Price/book | 1.18 |
Return on Average Assets (%) (TTM) | 1.9 |
Return on Average Equity (%) (TTM) | 12.8 |
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