SNB’s profit up 10% to SAR 10.03 bln in H1 2023; Q2 at SAR 5.01 bln

SNB’s profit up 10% to SAR 10.03 bln in H1 2023; Q2 at SAR 5.01 bln

25/07/2023 Argaam Exclusive

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Saudi National Bank (SNB) reported a 10% increase in H1 2023 net profit to SAR 10.03 billion from SAR 9.09 billion in the year-ago period.

 

Basic earnings per share (EPS) and diluted EPS for the current and the previous years stood at SAR 1.62 per share and SAR 1.49 per share, respectively. It is calculated by dividing the net income attributable to the bank's common equity holders (adjusted for Tier 1 Sukuk cost) for the periods by the weighted average number of outstanding shares amounting to 5.95 billion ( 5.94 billion in 2022). 



Financials (M)

Item 6m 2022 6m 2023 Change‬
Net Special Commission Income 12,932.36 13,302.11 2.9 %
Operating Income 16,438.07 17,227.96 4.8 %
Total Provisions (978.44) (568.86) 41.9 %
Net Income 9,090.70 10,037.10 10.4 %
Average Shares 6,000.00 6,000.00 -
EPS (Riyals) 1.52 1.67 10.4 %
EPS Diluted (Riyals) 1.49 1.62 8.7 %

The bank reported a 10.4% growth year-on-year (YoY) in net income attributable to equity holders, driven by higher operating income and lower operating expenses, including net impairment charge for expected credit losses. 

 

Gross operating income increased by 4.8% YoY, mainly from higher net special commission income, fees from banking services, foreign exchange income and investment income despite partially offset by higher other operating expenses.

 

Gross operating expenses, including net impairment charge for expected credit losses, were lower by 5.9% YoY amid lower net impairment charge for expected credit losses.

 

Credit losses provision fell 42% YoY to SAR 569 million from SAR 978 million a year earlier.



Current Quarter Comparison (M)

Compared With The
Item Q2 2022 Q2 2023 Change‬
Net Special Commission Income 6,823.91 6,524.20 (4.4 %)
Operating Income 8,345.18 8,496.93 1.8 %
Debt Provisions (592.20) (76.08) 87.2 %
Net Income 4,589.12 5,015.56 9.3 %
Average Shares 6,000.00 6,000.00 -
EPS (Riyals) 0.76 0.84 9.3 %
EPS Diluted (Riyal) 0.76 0.81 7.3 %

The second-quarter net profit rose 9.3% to SAR 5.01 billion from SAR 4.58 billion in Q2 2022. However, the earnings fell slightly from SAR 5.02 billion in Q1 2023. 

Balance Sheet (B)

Item 6m 2022 6m 2023 Change‬
Assets 958.47 996.16 3.9 %
Customer Deposits 593.01 602.21 1.6 %
Loan 536.19 577.85 7.8 %

Total shareholders’ equity, including Sukuk, stood at SAR 170.17 billion as of June 30, 2023, from SAR 160.98 billion a year earlier.

 

View more financial results

 


Financial results (Million)

Period Net Special Commission Income Change Operating Income Change Debt Provisions Change Net Income Change EPS(Riyal)
Q1 2014 2,708.28 6.9 % 3,864.29 (5.0 %) (205.65) 20.9 % 2,535.31 8.7 % 0.63
Q2 2014 2,842.93 11.7 % 4,214.98 13.9 % 91.77 158.8 % 2,425.41 21.8 % 0.60
Q3 2014 2,790.58 17.6 % 4,114.35 20.2 % (400.86) (100.8 %) 1,869.11 7.8 % 0.46
Q4 2014 3,062.34 15.8 % 4,053.41 10.5 % (480.72) (167.3 %) 1,825.33 1.7 % 0.45
Q1 2015 3,033.56 12.0 % 4,447.54 15.1 % (218.33) (6.2 %) 2,605.57 2.8 % 0.65
Q2 2015 3,122.72 9.8 % 4,282.93 1.6 % (278.85) (403.9 %) 2,362.92 (2.6 %) 0.59
Q3 2015 3,255.60 16.7 % 4,312.86 4.8 % (713.13) (77.9 %) 1,994.14 6.7 % 0.50
Q4 2015 3,169.96 3.5 % 4,442.37 9.6 % (390.05) 18.9 % 2,126.56 16.5 % 0.53
Q1 2016 3,435.82 13.3 % 4,723.97 6.2 % (346.63) (58.8 %) 2,630.81 1.0 % 0.65
Q2 2016 3,348.18 7.2 % 4,660.25 8.8 % (381.30) (36.7 %) 2,437.54 3.2 % 0.61
Q3 2016 3,441.72 5.7 % 4,662.80 8.1 % (839.11) (17.7 %) 1,961.78 (1.6 %) 0.49
Q4 2016 3,323.86 4.9 % 4,600.36 3.6 % (363.93) 6.7 % 2,286.72 7.5 % 0.57
Q1 2017 3,359.46 (2.2 %) 4,859.82 2.9 % (421.98) (21.7 %) 2,702.56 2.7 % 0.67
Q2 2017 3,472.91 3.7 % 4,478.34 (3.9 %) (477.71) (25.3 %) 2,417.42 (0.8 %) 0.60
Q3 2017 3,453.44 0.3 % 4,491.53 (3.7 %) (707.21) 15.7 % 2,125.61 8.4 % 0.53
Q4 2017 3,375.17 1.5 % 4,515.54 (1.8 %) (285.96) 21.4 % 2,556.39 11.8 % 0.64
Q1 2018 3,418.57 1.8 % 4,779.24 (1.7 %) 2.34 100.6 % 2,592.19 (4.1 %) 0.64
Q2 2018 3,573.43 2.9 % 4,660.55 4.1 % (335.31) 29.8 % 2,166.35 (10.4 %) 0.54
Q3 2018 3,637.42 5.3 % 4,731.60 5.3 % (610.35) 13.7 % 2,120.36 (0.2 %) 0.53
Q4 2018 4,493.72 33.1 % 4,755.83 5.3 % (403.75) (41.2 %) 2,705.58 5.8 % 0.67
Q1 2019 3,754.08 9.8 % 4,950.81 3.6 % (145.33) (6323.9 %) 2,775.54 7.1 % 0.69
Q2 2019 3,907.43 9.3 % 5,050.41 8.4 % (324.74) 3.2 % 2,685.59 24.0 % 0.67
Q3 2019 3,872.62 6.5 % 4,996.53 5.6 % (662.64) (8.6 %) 2,550.70 20.3 % 0.63
Q4 2019 4,848.32 7.9 % 5,576.93 17.3 % (287.23) 28.9 % 3,389.61 25.3 % 0.84
Q1 2020 4,157.22 10.7 % 5,305.26 7.2 % (396.09) (172.6 %) 2,834.20 2.1 % 0.71
Q2 2020 3,957.52 1.3 % 4,765.75 (5.6 %) (827.95) (155.0 %) 2,087.73 (22.3 %) 0.52
Q3 2020 4,197.76 8.4 % 5,637.61 12.8 % (378.85) 42.8 % 3,158.40 23.8 % 0.79
Q4 2020 4,372.15 (9.8 %) 5,749.32 3.1 % (348.00) (21.2 %) 3,359.77 (0.9 %) 0.84
Q1 2021 4,178.08 0.5 % 5,719.31 7.8 % (286.37) 27.7 % 3,408.47 20.3 % 0.62
Q2 2021 5,888.35 48.8 % 7,587.82 59.2 % (2,414.67) (191.6 %) 2,315.88 10.9 % 0.42
Q3 2021 6,205.90 47.8 % 7,874.43 39.7 % (732.08) (93.2 %) 3,980.27 26.0 % 0.72
Q4 2021 5,935.26 35.8 % 7,054.16 22.7 % (527.75) (51.7 %) 2,963.56 (11.8 %) 0.54
Q1 2022 6,108.44 46.2 % 8,092.89 41.5 % (386.25) (34.9 %) 4,501.58 32.1 % 0.75
Q2 2022 6,823.91 15.9 % 8,345.18 10.0 % (592.20) 75.5 % 4,589.12 98.2 % 0.76
Q3 2022 6,577.80 6.0 % 8,447.82 7.3 % (540.55) 26.2 % 4,724.56 18.7 % 0.79
Q4 2022 6,777.04 14.2 % 8,118.66 15.1 % (166.50) 68.5 % 4,765.43 60.8 % 0.79
Q1 2023 6,780.66 11.0 % 8,733.59 7.9 % (492.78) (27.6 %) 5,021.54 11.6 % 0.84
Q2 2023 6,524.20 (4.4 %) 8,496.93 1.8 % (76.08) 87.2 % 5,015.56 9.3 % 0.84

Profitability

Period Return On Average Assets Return on Average Equity Net Interest Income/Total Operating Income
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 %
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 %
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 %
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 %
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 %
Q1 2019 2.16 % 16.78 % 80.94 %
Q2 2019 2.21 % 17.70 % 81.04 %
Q3 2019 2.24 % 18.75 % 81.14 %
Q4 2019 2.38 % 19.13 % 79.62 %
Q1 2020 2.29 % 19.68 % 80.20 %
Q2 2020 2.10 % 17.85 % 81.55 %
Q3 2020 2.14 % 18.49 % 80.62 %
Q4 2020 2.07 % 17.51 % 77.76 %
Q1 2021 2.12 % 18.77 % 76.38 %
Q2 2021 1.68 % 11.66 % 75.47 %
Q3 2021 1.76 % 12.26 % 76.66 %
Q4 2021 1.67 % 11.56 % 78.65 %
Q1 2022 1.81 % 12.31 % 78.86 %
Q2 2022 1.73 % 10.82 % 79.94 %
Q3 2022 1.80 % 11.38 % 79.67 %
Q4 2022 2.00 % 12.37 % 79.65 %
Q1 2023 2.01 % 12.48 % 80.13 %
Q2 2023 2.00 % 12.86 % 78.88 %

Balance Sheet (B)

Period Assets Change Customer Deposits Change Loan Change
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 %
Q4 2019 506.82 12.1 % 353.39 10.9 % 281.84 6.3 %
Q1 2020 534.56 15.0 % 375.05 21.1 % 304.77 14.1 %
Q2 2020 556.86 16.8 % 380.40 16.2 % 315.84 14.9 %
Q3 2020 576.63 16.1 % 408.47 20.0 % 336.41 20.5 %
Q4 2020 599.44 18.3 % 416.42 17.8 % 346.71 23.0 %
Q1 2021 599.57 12.2 % 419.43 11.8 % 356.72 17.0 %
Q2 2021 897.36 61.1 % 588.13 54.6 % 501.80 58.9 %
Q3 2021 903.85 56.7 % 589.19 44.2 % 502.48 49.4 %
Q4 2021 914.15 52.5 % 588.57 41.3 % 497.57 43.5 %
Q1 2022 921.56 53.7 % 606.72 44.7 % 514.63 44.3 %
Q2 2022 958.47 6.8 % 593.01 0.8 % 536.19 6.9 %
Q3 2022 964.42 6.7 % 596.89 1.3 % 536.18 6.7 %
Q4 2022 945.50 3.4 % 568.28 (3.4 %) 545.31 9.6 %
Q1 2023 976.06 5.9 % 610.79 0.7 % 566.34 10.0 %
Q2 2023 996.16 3.9 % 602.21 1.6 % 577.85 7.8 %

Ratios

Period Customer Deposits Per Total Assets Loans and advances/Total assets Loans and advances/Customers Deposits
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 %
Q4 2019 69.73 % 55.61 % 79.75 %
Q1 2020 70.16 % 57.01 % 81.26 %
Q2 2020 68.31 % 56.72 % 83.03 %
Q3 2020 70.84 % 58.34 % 82.36 %
Q4 2020 69.47 % 57.84 % 83.26 %
Q1 2021 69.96 % 59.50 % 85.05 %
Q2 2021 65.54 % 55.92 % 85.32 %
Q3 2021 65.19 % 55.59 % 85.28 %
Q4 2021 64.39 % 54.43 % 84.54 %
Q1 2022 65.84 % 55.84 % 84.82 %
Q2 2022 61.87 % 55.94 % 90.42 %
Q3 2022 61.89 % 55.60 % 89.83 %
Q4 2022 60.10 % 57.67 % 95.96 %
Q1 2023 62.58 % 58.02 % 92.72 %
Q2 2023 60.45 % 58.01 % 95.95 %


Per Share Data (Riyal)

Compared With The
Period Shares Outstanding (M) EPS (Riyal) Adjusted EPS (Riyal) EPS Diluted (Riyal) Book Value (BV)
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
Q4 2019 4,019.65 2.84 2.84 - 15.29
Q1 2020 4,019.65 2.85 2.85 - 14.11
Q2 2020 4,019.65 2.70 2.70 - 15.53
Q3 2020 4,019.65 2.85 2.85 - 16.24
Q4 2020 4,019.65 2.85 2.85 3.03 17.22
Q1 2021 5,504.91 2.18 2.18 3.03 17.73
Q2 2021 5,504.91 2.22 2.23 3.03 24.58
Q3 2021 5,504.91 2.37 2.39 3.03 24.65
Q4 2021 5,504.91 2.30 2.33 3.03 25.00
Q1 2022 6,000.00 2.29 2.32 3.03 25.40
Q2 2022 6,000.00 2.67 2.69 3.03 24.80
Q3 2022 6,000.00 2.80 2.81 3.03 24.49
Q4 2022 6,000.00 3.10 3.10 3.03 25.08
Q1 2023 6,000.00 3.18 3.18 3.10 25.61
Q2 2023 6,000.00 3.25 3.25 3.16 25.83

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Adjusted P/E Price/book
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
Q4 2019 19.34 19.34 3.59
Q1 2020 13.56 13.56 2.74
Q2 2020 15.36 15.36 2.67
Q3 2020 14.50 14.50 2.55
Q4 2020 10.69 10.69 2.80
Q1 2021 13.09 13.09 3.34
Q2 2021 14.20 14.15 1.75
Q3 2021 15.14 15.05 1.86
Q4 2021 15.88 15.67 1.92
Q1 2022 17.48 17.27 2.08
Q2 2022 16.24 16.12 1.98
Q3 2022 15.55 15.47 1.92
Q4 2022 12.45 12.45 1.50
Q1 2023 11.03 11.03 1.34
Q2 2023 11.65 11.65 1.42

Business Segments (Million)

Compared With The
Period Retail Corporate and Institutional Banking Global markets and Treasury Capital Market International Banking
Q1 2014 1,394.07 901.15 892.75 174.43 501.88
Q2 2014 1,444.40 926.59 1,097.32 219.17 527.50
Q3 2014 1,455.20 868.24 1,023.74 171.82 595.35
Q4 2014 1,427.35 1,032.33 776.42 188.93 628.39
Q1 2015 1,448.95 1,041.10 1,224.33 166.74 566.42
Q2 2015 1,522.94 1,034.67 1,013.61 183.19 528.51
Q3 2015 1,533.85 1,062.65 1,011.26 160.03 545.05
Q4 2015 1,854.84 1,002.57 857.08 181.42 546.46
Q1 2016 1,970.14 1,040.62 1,017.29 159.51 536.42
Q2 2016 1,985.35 1,054.82 882.82 147.36 589.90
Q3 2016 1,967.03 1,104.46 874.28 114.20 602.84
Q4 2016 1,782.46 1,186.84 970.39 159.65 501.03
Q1 2017 1,938.41 1,235.61 1,133.92 163.66 388.22
Q2 2017 1,924.73 1,042.93 973.23 144.16 393.30
Q3 2017 2,106.64 842.25 982.69 154.12 405.84
Q4 2017 2,171.24 973.67 806.38 173.87 390.38
Q1 2018 2,116.90 873.73 1,189.77 227.59 371.26
Q2 2018 1,976.75 1,075.78 989.64 176.26 442.12
Q3 2018 2,318.57 1,000.84 858.77 154.71 398.71
Q4 2018 2,260.08 1,111.00 908.44 161.60 314.71
Q1 2019 2,240.76 1,157.45 1,074.45 181.00 297.15
Q2 2019 2,385.91 965.58 1,128.53 216.64 353.75
Q3 2019 2,568.71 1,061.34 822.01 163.79 380.69
Q4 2019 2,512.36 1,526.65 883.24 225.36 429.32
Q1 2020 2,319.66 1,112.59 1,148.97 249.10 474.94
Q2 2020 2,363.44 2,914.55 (1148.97) 219.62 417.10
Q3 2020 2,676.13 2,267.98 - 285.99 407.50
Q4 2020 2,829.45 2,238.61 - 378.32 302.94
Q1 2021 2,662.57 2,430.09 - 350.17 276.48
Q2 2021 3,209.70 2,670.09 - 1,441.78 266.25
Q3 2021 3,326.70 4,696.32 - (625.34) 476.74
Q4 2021 3,267.32 2,705.87 - 410.61 670.36
Q1 2022 3,664.72 3,265.04 - 496.80 666.34
Q2 2022 3,552.39 3,550.45 - 539.48 702.87
Q3 2022 3,739.41 3,747.26 - 327.18 633.98
Q4 2022 3,655.43 3,385.15 - 506.20 571.89
Q1 2023 3,868.23 3,672.73 - 418.04 774.59
Q2 2023 4,152.10 3,052.24 - 386.42 906.18

Analysts Estimates (Million)

Item Q2 2023 (e) Q2 2023 (a) Change‬
Average 4,966.29 5,015.56 0.99 %

Estimates vs Actual (Million)

Item Q2 2023 (e) Q2 2023 (a) Change
FAB Securities 5,026.00 5,015.56 (0.2) %
Riyad Capital 4,992.00 5,015.56 0.5 %
Hermes 4,988.00 5,015.56 0.6 %
Arqaam Capital 4,955.00 5,015.56 1.2 %
HSBC 4,826.00 5,015.56 3.9 %
U-Capital 4,813.50 5,015.56 4.2 %
Bank of America 4,747.04 5,015.56 5.7 %
Goldman Sachs 4,740.00 5,015.56 5.8 %
OSOOL AND BAKHEET 5,609.10 5,015.56 (10.6) %


Financial Ratios
Current
Market Cap (M Riyal) 212,700.00
Shares Outstanding ((M)) 6,000.00
EPS ( Riyal) (TTM) 3.34
EPS Diluted ( Riyal) (TTM) 3.24
Book Value (BV) ( Riyal) 27.47
Par Value ( Riyal) 10.00
Adjusted P/E (Last12) 10.62
P/E (TTM) 10.62
Price/book 1.29
Return on Average Assets (%) (TTM) 2.0
Return on Average Equity (%) (TTM) 12.6
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Share Price

The Saudi National Bank
35.45
(0.25) (0.70 %)

The Saudi National Bank (SNB)

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