Bank Albilad reported a net profit of SAR 586.2 million for the first nine months of 2016, a 0.4 percent year-on-year (YoY) increase attributed to higher total operating income, driven by a rise in net income from investment and financing as well as other income.
Item | 9m 2015 | 9m 2016 | Change |
---|---|---|---|
Net Income from investments and financial activities | 852.18 | 1,044.15 | 22.5 % |
Operating Income | 1,706.49 | 1,907.05 | 11.8 % |
Total Provisions | (70.98) | (148.02) | (108.5 %) |
Net Income | 584.04 | 586.20 | 0.4 % |
Average Shares | 1,250.00 | 1,250.00 | - |
EPS (Riyals) | 0.47 | 0.47 | 0.4 % |
Net profit for the third quarter was up 12 percent YoY at SAR 227.8 million as net income increased. The Q3 profit grew 24 percent when compared to the previous quarter on lower total operating expense.
Item | Q3 2015 | Q3 2016 | Change |
---|---|---|---|
Net Income from investments and financial activities | 293.70 | 361.74 | 23.2 % |
Operating Income | 566.39 | 638.56 | 12.7 % |
Debt Provisions | (25.73) | (37.68) | (46.4 %) |
Net Income | 203.44 | 227.81 | 12.0 % |
Average Shares | 1,250.00 | 1,250.00 | - |
EPS (Riyals) | 0.16 | 0.18 | 12.0 % |
Item | Q2 2016 | Q3 2016 | Change |
---|---|---|---|
Net Income from investments and financial activities | 348.66 | 361.74 | 3.8 % |
Operating Income | 641.50 | 638.56 | (0.5 %) |
Debt Provisions | (53.93) | (37.68) | 30.1 % |
Net Income | 183.87 | 227.81 | 23.9 % |
Average Shares | 1,250.00 | 1,250.00 | - |
EPS (Riyals) | 0.15 | 0.18 | 23.9 % |
Item | 9m 2015 | 9m 2016 | Change |
---|---|---|---|
Assets | 49.50 | 55.65 | 12.4 % |
Customer Deposits | 40.72 | 41.24 | 1.3 % |
Financing Investments | 32.29 | 36.25 | 12.3 % |
Period | Net Income from investments and financial activities | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
Q1 2007 | 109.79 | 50.7 % | 171.23 | (16.9 %) | - | - |
Q2 2007 | 129.41 | 29.9 % | 202.50 | 24.5 % | - | - |
Q3 2007 | 146.30 | 57.7 % | 197.41 | 38.9 % | - | - |
Q4 2007 | 148.93 | 59.0 % | 207.42 | 44.0 % | - | - |
2007 | 534.44 | 48.9 % | 778.57 | 18.9 % | - | - |
Q1 2008 | 146.86 | 33.8 % | 223.19 | 30.3 % | - | - |
Q2 2008 | 147.42 | 13.9 % | 231.49 | 14.3 % | - | - |
Q3 2008 | 135.09 | (7.7 %) | 217.86 | 10.4 % | - | - |
Q4 2008 | 148.89 | 0.0 % | 202.04 | (2.6 %) | (19.80) | - |
2008 | 578.27 | 8.2 % | 874.58 | 12.3 % | (19.80) | - |
Q1 2009 | 140.46 | (4.4 %) | 216.80 | (2.9 %) | (23.46) | - |
Q2 2009 | 138.42 | (6.1 %) | 238.54 | 3.0 % | (24.53) | - |
Q3 2009 | 144.77 | 7.2 % | 229.75 | 5.5 % | (50.53) | - |
Q4 2009 | 124.46 | (16.4 %) | 223.96 | 10.8 % | (203.84) | (929.4 %) |
2009 | 548.11 | (5.2 %) | 909.06 | 3.9 % | (302.36) | (1,426.8 %) |
Q1 2010 | 148.48 | 5.7 % | 286.09 | 32.0 % | (43.34) | (84.7 %) |
Q2 2010 | 152.17 | 9.9 % | 262.11 | 9.9 % | (61.86) | (152.2 %) |
Q3 2010 | 162.88 | 12.5 % | 272.67 | 18.7 % | (90.64) | (79.4 %) |
Q4 2010 | 161.22 | 29.5 % | 278.27 | 24.2 % | (46.47) | 77.2 % |
2010 | 624.75 | 14.0 % | 1,099.13 | 20.9 % | (242.30) | 19.9 % |
Q1 2011 | 164.93 | 11.1 % | 308.44 | 7.8 % | (51.02) | (17.7 %) |
Q2 2011 | 178.45 | 17.3 % | 337.98 | 28.9 % | (50.26) | 18.7 % |
Q3 2011 | 176.74 | 8.5 % | 334.56 | 22.7 % | (50.93) | 43.8 % |
Q4 2011 | 182.87 | 13.4 % | 392.53 | 41.1 % | (100.04) | (115.3 %) |
2011 | 702.99 | 12.5 % | 1,373.51 | 25.0 % | (252.24) | (4.1 %) |
Q1 2012 | 193.90 | 17.6 % | 419.81 | 36.1 % | (65.74) | (28.9 %) |
Q2 2012 | 205.62 | 15.2 % | 444.52 | 31.5 % | (57.84) | (15.1 %) |
Q3 2012 | 214.61 | 21.4 % | 434.32 | 29.8 % | (86.36) | (69.6 %) |
Q4 2012 | 225.38 | 23.2 % | 438.74 | 11.8 % | (65.28) | 34.7 % |
2012 | 839.51 | 19.4 % | 1,737.38 | 26.5 % | (275.22) | (9.1 %) |
Q1 2013 | 221.95 | 14.5 % | 449.81 | 7.1 % | (64.65) | 1.7 % |
Q2 2013 | 227.73 | 10.8 % | 481.49 | 8.3 % | (44.01) | 23.9 % |
Q3 2013 | 246.85 | 15.0 % | 486.78 | 12.1 % | (40.07) | 53.6 % |
Q4 2013 | 250.10 | 11.0 % | 499.15 | 13.8 % | (26.55) | 59.3 % |
2013 | 946.62 | 12.8 % | 1,917.23 | 10.4 % | (175.29) | 36.3 % |
Q1 2014 | 227.06 | 2.3 % | 477.51 | 6.2 % | (4.65) | 92.8 % |
Q2 2014 | 258.97 | 13.7 % | 533.99 | 10.9 % | (24.41) | 44.5 % |
Q3 2014 | 264.41 | 7.1 % | 550.55 | 13.1 % | 9.14 | 122.8 % |
Q4 2014 | 268.75 | 7.5 % | 535.01 | 7.2 % | 27.44 | 203.3 % |
2014 | 1,019.18 | 7.7 % | 2,097.05 | 9.4 % | 7.52 | 104.3 % |
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 %) |
Period | Net Income from investments and financial activities | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
2006 | 358.95 | 228.6 % | 654.90 | 300.6 % | - | - |
2007 | 534.44 | 48.9 % | 778.57 | 18.9 % | - | - |
2008 | 578.27 | 8.2 % | 874.58 | 12.3 % | (19.80) | - |
2009 | 548.11 | (5.2 %) | 909.06 | 3.9 % | (302.36) | (1,426.8 %) |
2010 | 624.75 | 14.0 % | 1,099.13 | 20.9 % | (242.30) | 19.9 % |
2011 | 702.99 | 12.5 % | 1,373.51 | 25.0 % | (252.24) | (4.1 %) |
2012 | 839.51 | 19.4 % | 1,737.38 | 26.5 % | (275.22) | (9.1 %) |
2013 | 946.62 | 12.8 % | 1,917.23 | 10.4 % | (175.29) | 36.3 % |
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 %) |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
Q1 2007 | 25.69 | (75.0 %) | 0.02 | - | 25.69 | 0.02 |
Q2 2007 | 34.71 | (21.5 %) | 0.03 | - | 34.71 | 0.03 |
Q3 2007 | 39.11 | 27.3 % | 0.03 | - | 39.11 | 0.03 |
Q4 2007 | (27.06) | (10273.7 %) | (0.02) | - | (27.06) | (0.02) |
2007 | 72.46 | (59.3 %) | 0.06 | - | 72.46 | 0.06 |
Q1 2008 | 50.83 | 97.8 % | 0.04 | - | 50.83 | 0.04 |
Q2 2008 | 57.00 | 64.2 % | 0.05 | - | 57.00 | 0.05 |
Q3 2008 | 44.64 | 14.1 % | 0.04 | - | 44.64 | 0.04 |
Q4 2008 | (27.39) | (1.2 %) | (0.02) | - | (27.39) | (0.02) |
2008 | 125.07 | 72.6 % | 0.10 | - | 125.07 | 0.10 |
Q1 2009 | 22.35 | (56.0 %) | 0.02 | - | 22.35 | 0.02 |
Q2 2009 | 26.85 | (52.9 %) | 0.02 | - | 26.85 | 0.02 |
Q3 2009 | 1.90 | (95.7 %) | 0.00 | - | 1.90 | 0.00 |
Q4 2009 | (299.49) | (993.3 %) | (0.24) | - | (299.49) | (0.24) |
2009 | (248.39) | (298.6 %) | (0.20) | - | (248.39) | (0.20) |
Q1 2010 | 52.58 | 135.3 % | 0.04 | - | 52.58 | 0.04 |
Q2 2010 | 32.84 | 22.3 % | 0.03 | - | 32.84 | 0.03 |
Q3 2010 | 2.37 | 24.4 % | 0.00 | - | 2.37 | 0.00 |
Q4 2010 | 4.54 | 101.5 % | 0.00 | - | 4.54 | 0.00 |
2010 | 92.32 | 137.2 % | 0.07 | - | 92.32 | 0.07 |
Q1 2011 | 55.46 | 5.5 % | 0.04 | - | 55.46 | 0.04 |
Q2 2011 | 81.67 | 148.7 % | 0.07 | - | 81.67 | 0.07 |
Q3 2011 | 85.47 | 3514.0 % | 0.07 | - | 85.47 | 0.07 |
Q4 2011 | 107.03 | 2258.5 % | 0.09 | - | 107.03 | 0.09 |
2011 | 329.63 | 257.0 % | 0.26 | - | 329.63 | 0.26 |
Q1 2012 | 511.52 | 822.4 % | 0.41 | 373.17 | 138.35 | 0.11 |
Q2 2012 | 153.45 | 87.9 % | 0.12 | - | 153.45 | 0.12 |
Q3 2012 | 120.15 | 40.6 % | 0.10 | - | 120.15 | 0.10 |
Q4 2012 | 156.69 | 46.4 % | 0.13 | - | 156.69 | 0.13 |
2012 | 941.80 | 185.7 % | 0.75 | 373.17 | 568.64 | 0.45 |
Q1 2013 | 142.50 | (72.1 %) | 0.11 | - | 142.50 | 0.11 |
Q2 2013 | 175.87 | 14.6 % | 0.14 | - | 175.87 | 0.14 |
Q3 2013 | 197.08 | 64.0 % | 0.16 | - | 197.08 | 0.16 |
Q4 2013 | 213.71 | 36.4 % | 0.17 | - | 213.71 | 0.17 |
2013 | 729.17 | (22.6 %) | 0.58 | - | 729.17 | 0.58 |
Q1 2014 | 173.71 | 21.9 % | 0.14 | - | 173.71 | 0.14 |
Q2 2014 | 204.32 | 16.2 % | 0.16 | - | 204.32 | 0.16 |
Q3 2014 | 237.06 | 20.3 % | 0.19 | - | 237.06 | 0.19 |
Q4 2014 | 248.94 | 16.5 % | 0.20 | - | 248.94 | 0.20 |
2014 | 864.03 | 18.5 % | 0.69 | - | 864.03 | 0.69 |
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 |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
2006 | 178.12 | 281.6 % | 0.14 | - | 178.12 | 0.14 |
2007 | 72.46 | (59.3 %) | 0.06 | - | 72.46 | 0.06 |
2008 | 125.07 | 72.6 % | 0.10 | - | 125.07 | 0.10 |
2009 | (248.39) | (298.6 %) | (0.20) | - | (248.39) | (0.20) |
2010 | 92.32 | 137.2 % | 0.07 | - | 92.32 | 0.07 |
2011 | 329.63 | 257.0 % | 0.26 | - | 329.63 | 0.26 |
2012 | 941.80 | 185.7 % | 0.75 | 373.17 | 568.64 | 0.45 |
2013 | 729.17 | (22.6 %) | 0.58 | - | 729.17 | 0.58 |
2014 | 864.03 | 18.5 % | 0.69 | - | 864.03 | 0.69 |
2015 | 788.42 | (8.8 %) | 0.63 | - | 788.42 | 0.63 |
Period | Return On Average Assets | Return on Average Equity | Net Profit/Investment Income & Other Financing Operations |
---|---|---|---|
Q1 2007 | 1.13 % | 3.34 % | 22.93 % |
Q2 2007 | 0.78 % | 2.99 % | 18.07 % |
Q3 2007 | 0.82 % | 3.22 % | 16.20 % |
Q4 2007 | 0.52 % | 2.36 % | 10.14 % |
2007 | 0.52 % | 2.36 % | 10.14 % |
Q1 2008 | 0.69 % | 3.15 % | 12.99 % |
Q2 2008 | 0.78 % | 3.81 % | 15.98 % |
Q3 2008 | 0.81 % | 3.94 % | 17.93 % |
Q4 2008 | 0.77 % | 3.96 % | 18.69 % |
2008 | 0.77 % | 3.96 % | 18.69 % |
Q1 2009 | 0.57 % | 3.02 % | 14.92 % |
Q2 2009 | 0.42 % | 2.05 % | 10.60 % |
Q3 2009 | 0.15 % | 0.72 % | 3.81 % |
Q4 2009 | (1.48 %) | (7.99 %) | (43.41 %) |
2009 | (1.48 %) | (7.99 %) | (43.41 %) |
Q1 2010 | (1.21 %) | (6.92 %) | (38.25 %) |
Q2 2010 | (1.20 %) | (6.66 %) | (36.40 %) |
Q3 2010 | (1.17 %) | (6.62 %) | (35.13 %) |
Q4 2010 | 0.48 % | 3.02 % | 14.29 % |
2010 | 0.48 % | 3.02 % | 14.29 % |
Q1 2011 | 0.47 % | 3.06 % | 14.28 % |
Q2 2011 | 0.70 % | 4.57 % | 20.72 % |
Q3 2011 | 1.08 % | 7.10 % | 31.98 % |
Q4 2011 | 1.35 % | 10.11 % | 45.28 % |
2011 | 1.35 % | 10.11 % | 45.28 % |
Q1 2012 | 3.12 % | 22.13 % | 104.23 % |
Q2 2012 | 3.33 % | 23.43 % | 110.00 % |
Q3 2012 | 3.41 % | 23.74 % | 109.21 % |
Q4 2012 | 3.28 % | 24.19 % | 109.44 % |
2012 | 3.28 % | 24.19 % | 109.44 % |
Q1 2013 | 1.91 % | 13.52 % | 64.38 % |
Q2 2013 | 1.91 % | 13.56 % | 65.20 % |
Q3 2013 | 2.13 % | 14.78 % | 70.96 % |
Q4 2013 | 2.21 % | 15.40 % | 74.81 % |
2013 | 2.21 % | 15.40 % | 74.81 % |
Q1 2014 | 2.16 % | 15.50 % | 77.30 % |
Q2 2014 | 2.12 % | 15.53 % | 77.24 % |
Q3 2014 | 2.13 % | 15.67 % | 79.16 % |
Q4 2014 | 2.12 % | 15.72 % | 80.55 % |
2014 | 2.12 % | 15.72 % | 80.55 % |
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 % |
Period | Return On Average Assets | Return on Average Equity | Net Profit/Investment Income & Other Financing Operations |
---|---|---|---|
2006 | 1.95 % | 6.01 % | 47.67 % |
2007 | 0.52 % | 2.36 % | 10.14 % |
2008 | 0.77 % | 3.96 % | 18.69 % |
2009 | (1.48 %) | (7.99 %) | (43.41 %) |
2010 | 0.48 % | 3.02 % | 14.29 % |
2011 | 1.35 % | 10.11 % | 45.28 % |
2012 | 3.28 % | 24.19 % | 109.44 % |
2013 | 2.21 % | 15.40 % | 74.81 % |
2014 | 2.12 % | 15.72 % | 80.55 % |
2015 | 1.63 % | 12.78 % | 63.64 % |
Period | Assets | Change | Customer Deposits | Change | Financing Investments | Change |
---|---|---|---|---|---|---|
Q1 2007 | 11.30 | 73.3 % | 7.98 | 160.0 % | 9.74 | 75.5 % |
Q2 2007 | 15.35 | 88.1 % | 9.81 | 101.2 % | 13.45 | 91.4 % |
Q3 2007 | 15.78 | 83.4 % | 11.87 | 129.8 % | 13.69 | 84.2 % |
Q4 2007 | 16.64 | 47.5 % | 12.69 | 61.5 % | 6.19 | (35.8 %) |
Q1 2008 | 17.09 | 51.2 % | 13.22 | 65.7 % | 13.20 | 35.5 % |
Q2 2008 | 15.33 | (0.1 %) | 11.39 | 16.1 % | 11.96 | (11.1 %) |
Q3 2008 | 15.34 | (2.8 %) | 10.54 | (11.2 %) | 12.04 | (12.0 %) |
Q4 2008 | 16.05 | (3.5 %) | 10.97 | (13.5 %) | 8.28 | 33.7 % |
Q1 2009 | 17.06 | (0.1 %) | 12.91 | (2.4 %) | 9.09 | (31.2 %) |
Q2 2009 | 16.41 | 7.0 % | 12.71 | 11.6 % | 10.28 | (14.0 %) |
Q3 2009 | 17.02 | 10.9 % | 12.14 | 15.2 % | 10.56 | (12.3 %) |
Q4 2009 | 17.41 | 8.5 % | 13.72 | 25.1 % | 11.01 | 33.1 % |
Q1 2010 | 18.98 | 11.2 % | 14.32 | 10.9 % | 11.19 | 23.1 % |
Q2 2010 | 18.92 | 15.3 % | 15.00 | 18.0 % | 11.81 | 14.9 % |
Q3 2010 | 19.18 | 12.7 % | 14.81 | 22.0 % | 11.66 | 10.3 % |
Q4 2010 | 21.12 | 21.3 % | 16.93 | 23.4 % | 12.29 | 11.6 % |
Q1 2011 | 21.89 | 15.3 % | 17.51 | 22.3 % | 12.62 | 12.7 % |
Q2 2011 | 22.46 | 18.7 % | 17.30 | 15.3 % | 13.01 | 10.2 % |
Q3 2011 | 22.78 | 18.8 % | 17.96 | 21.3 % | 13.02 | 11.7 % |
Q4 2011 | 27.73 | 31.3 % | 23.04 | 36.1 % | 13.78 | 12.1 % |
Q1 2012 | 28.54 | 30.4 % | 22.91 | 30.8 % | 15.06 | 19.4 % |
Q2 2012 | 29.06 | 29.4 % | 23.61 | 36.5 % | 16.21 | 24.6 % |
Q3 2012 | 29.53 | 29.6 % | 23.55 | 31.1 % | 17.21 | 32.2 % |
Q4 2012 | 29.78 | 7.4 % | 23.74 | 3.1 % | 18.26 | 32.5 % |
Q1 2013 | 31.33 | 9.8 % | 25.28 | 10.4 % | 18.69 | 24.1 % |
Q2 2013 | 33.35 | 14.8 % | 26.82 | 13.6 % | 20.31 | 25.3 % |
Q3 2013 | 33.58 | 13.7 % | 26.33 | 11.8 % | 21.21 | 23.3 % |
Q4 2013 | 36.32 | 22.0 % | 29.11 | 22.6 % | 23.42 | 28.3 % |
Q1 2014 | 39.01 | 24.5 % | 31.39 | 24.2 % | 24.28 | 29.9 % |
Q2 2014 | 40.98 | 22.9 % | 33.35 | 24.3 % | 26.76 | 31.7 % |
Q3 2014 | 44.06 | 31.2 % | 36.80 | 39.8 % | 27.52 | 29.7 % |
Q4 2014 | 45.23 | 24.5 % | 36.72 | 26.2 % | 28.36 | 21.1 % |
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 % |
Period | Assets | Change | Customer Deposits | Change | Financing Investments | Change |
---|---|---|---|---|---|---|
3m 2007 | 11.30 | 73.3 % | 7.98 | 160.0 % | 9.74 | 75.5 % |
6m 2007 | 15.35 | 88.1 % | 9.81 | 101.2 % | 13.45 | 91.4 % |
9m 2007 | 15.78 | 83.4 % | 11.87 | 129.8 % | 13.69 | 84.2 % |
12m 2007 | 16.64 | 47.5 % | 12.69 | 61.5 % | 6.19 | (35.8 %) |
3m 2008 | 17.09 | 51.2 % | 13.22 | 65.7 % | 13.20 | 35.5 % |
6m 2008 | 15.33 | (0.1 %) | 11.39 | 16.1 % | 11.96 | (11.1 %) |
9m 2008 | 15.34 | (2.8 %) | 10.54 | (11.2 %) | 12.04 | (12.0 %) |
12m 2008 | 16.05 | (3.5 %) | 10.97 | (13.5 %) | 8.28 | 33.7 % |
3m 2009 | 17.06 | (0.1 %) | 12.91 | (2.4 %) | 9.09 | (31.2 %) |
6m 2009 | 16.41 | 7.0 % | 12.71 | 11.6 % | 10.28 | (14.0 %) |
9m 2009 | 17.02 | 10.9 % | 12.14 | 15.2 % | 10.56 | (12.3 %) |
12m 2009 | 17.41 | 8.5 % | 13.72 | 25.1 % | 11.01 | 33.1 % |
3m 2010 | 18.98 | 11.2 % | 14.32 | 10.9 % | 11.19 | 23.1 % |
6m 2010 | 18.92 | 15.3 % | 15.00 | 18.0 % | 11.81 | 14.9 % |
9m 2010 | 19.18 | 12.7 % | 14.81 | 22.0 % | 11.66 | 10.3 % |
12m 2010 | 21.12 | 21.3 % | 16.93 | 23.4 % | 12.29 | 11.6 % |
3m 2011 | 21.89 | 15.3 % | 17.51 | 22.3 % | 12.62 | 12.7 % |
6m 2011 | 22.46 | 18.7 % | 17.30 | 15.3 % | 13.01 | 10.2 % |
9m 2011 | 22.78 | 18.8 % | 17.96 | 21.3 % | 13.02 | 11.7 % |
12m 2011 | 27.73 | 31.3 % | 23.04 | 36.1 % | 13.78 | 12.1 % |
3m 2012 | 28.54 | 30.4 % | 22.91 | 30.8 % | 15.06 | 19.4 % |
6m 2012 | 29.06 | 29.4 % | 23.61 | 36.5 % | 16.21 | 24.6 % |
9m 2012 | 29.53 | 29.6 % | 23.55 | 31.1 % | 17.21 | 32.2 % |
12m 2012 | 29.78 | 7.4 % | 23.74 | 3.1 % | 18.26 | 32.5 % |
3m 2013 | 31.33 | 9.8 % | 25.28 | 10.4 % | 18.69 | 24.1 % |
6m 2013 | 33.35 | 14.8 % | 26.82 | 13.6 % | 20.31 | 25.3 % |
9m 2013 | 33.58 | 13.7 % | 26.33 | 11.8 % | 21.21 | 23.3 % |
12m 2013 | 36.32 | 22.0 % | 29.11 | 22.6 % | 23.42 | 28.3 % |
3m 2014 | 39.01 | 24.5 % | 31.39 | 24.2 % | 24.28 | 29.9 % |
6m 2014 | 40.98 | 22.9 % | 33.35 | 24.3 % | 26.76 | 31.7 % |
9m 2014 | 44.06 | 31.2 % | 36.80 | 39.8 % | 27.52 | 29.7 % |
12m 2014 | 45.23 | 24.5 % | 36.72 | 26.2 % | 28.36 | 21.1 % |
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 % |
Period | Assets | Change | Customer Deposits | Change | Financing Investments | Change |
---|---|---|---|---|---|---|
2006 | 11.28 | 61.0 % | 7.86 | 100.7 % | 9.64 | 85.1 % |
2007 | 16.64 | 47.5 % | 12.69 | 61.5 % | 6.19 | (35.8 %) |
2008 | 16.05 | (3.5 %) | 10.97 | (13.5 %) | 8.28 | 33.7 % |
2009 | 17.41 | 8.5 % | 13.72 | 25.1 % | 11.01 | 33.1 % |
2010 | 21.12 | 21.3 % | 16.93 | 23.4 % | 12.29 | 11.6 % |
2011 | 27.73 | 31.3 % | 23.04 | 36.1 % | 13.78 | 12.1 % |
2012 | 29.78 | 7.4 % | 23.74 | 3.1 % | 18.26 | 32.5 % |
2013 | 36.32 | 22.0 % | 29.11 | 22.6 % | 23.42 | 28.3 % |
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 % |
Period | Customer Deposits Per Total Assets | Financing Investments/Customer Deposits | Financing Investments/Total Assets |
---|---|---|---|
Q1 2007 | 70.60 % | 122.05 % | 86.17 % |
Q2 2007 | 63.89 % | 137.07 % | 87.58 % |
Q3 2007 | 75.24 % | 115.32 % | 86.77 % |
Q4 2007 | 76.28 % | 48.78 % | 37.21 % |
Q1 2008 | 77.39 % | 99.82 % | 77.25 % |
Q2 2008 | 74.29 % | 105.00 % | 78.00 % |
Q3 2008 | 68.69 % | 114.27 % | 78.49 % |
Q4 2008 | 68.35 % | 75.44 % | 51.56 % |
Q1 2009 | 75.67 % | 70.38 % | 53.26 % |
Q2 2009 | 77.48 % | 80.87 % | 62.66 % |
Q3 2009 | 71.31 % | 87.06 % | 62.08 % |
Q4 2009 | 78.80 % | 80.27 % | 63.26 % |
Q1 2010 | 75.44 % | 78.16 % | 58.96 % |
Q2 2010 | 79.31 % | 78.74 % | 62.45 % |
Q3 2010 | 77.24 % | 78.70 % | 60.79 % |
Q4 2010 | 80.19 % | 72.58 % | 58.20 % |
Q1 2011 | 80.02 % | 72.03 % | 57.64 % |
Q2 2011 | 77.04 % | 75.21 % | 57.94 % |
Q3 2011 | 78.83 % | 72.48 % | 57.13 % |
Q4 2011 | 83.09 % | 59.81 % | 49.70 % |
Q1 2012 | 80.27 % | 65.75 % | 52.78 % |
Q2 2012 | 81.26 % | 68.65 % | 55.78 % |
Q3 2012 | 79.74 % | 73.08 % | 58.28 % |
Q4 2012 | 79.73 % | 76.89 % | 61.31 % |
Q1 2013 | 80.70 % | 73.92 % | 59.65 % |
Q2 2013 | 80.44 % | 75.72 % | 60.91 % |
Q3 2013 | 78.40 % | 80.57 % | 63.17 % |
Q4 2013 | 80.14 % | 80.44 % | 64.46 % |
Q1 2014 | 80.47 % | 77.34 % | 62.23 % |
Q2 2014 | 81.40 % | 80.22 % | 65.29 % |
Q3 2014 | 83.53 % | 74.78 % | 62.46 % |
Q4 2014 | 81.19 % | 77.21 % | 62.69 % |
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 % |
Period | Customer Deposits Per Total Assets | Financing Investments/Customer Deposits | Financing Investments/Total Assets |
---|---|---|---|
2006 | 69.66 % | 122.74 % | 85.49 % |
2007 | 76.28 % | 48.78 % | 37.21 % |
2008 | 68.35 % | 75.44 % | 51.56 % |
2009 | 78.80 % | 80.27 % | 63.26 % |
2010 | 80.19 % | 72.58 % | 58.20 % |
2011 | 83.09 % | 59.81 % | 49.70 % |
2012 | 79.73 % | 76.89 % | 61.31 % |
2013 | 80.14 % | 80.44 % | 64.46 % |
2014 | 81.19 % | 77.21 % | 62.69 % |
2015 | 82.35 % | 81.21 % | 66.88 % |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
Q1 2007 | 1,250.00 | 0.08 | 0.08 | - | 2.44 |
Q2 2007 | 1,250.00 | 0.07 | 0.07 | - | 2.47 |
Q3 2007 | 1,250.00 | 0.08 | 0.08 | - | 2.50 |
Q4 2007 | 1,250.00 | 0.06 | 0.06 | - | 2.48 |
Q1 2008 | 1,250.00 | 0.08 | 0.08 | - | 2.52 |
Q2 2008 | 1,250.00 | 0.10 | 0.10 | - | 2.57 |
Q3 2008 | 1,250.00 | 0.10 | 0.10 | - | 2.59 |
Q4 2008 | 1,250.00 | 0.10 | 0.10 | - | 2.57 |
Q1 2009 | 1,250.00 | 0.08 | 0.08 | - | 2.60 |
Q2 2009 | 1,250.00 | 0.05 | 0.05 | - | 2.63 |
Q3 2009 | 1,250.00 | 0.02 | 0.02 | - | 2.64 |
Q4 2009 | 1,250.00 | (0.20) | (0.20) | - | 2.40 |
Q1 2010 | 1,250.00 | (0.17) | (0.17) | - | 2.45 |
Q2 2010 | 1,250.00 | (0.17) | (0.17) | - | 2.46 |
Q3 2010 | 1,250.00 | (0.17) | (0.17) | - | 2.47 |
Q4 2010 | 1,250.00 | 0.07 | 0.07 | - | 2.48 |
Q1 2011 | 1,250.00 | 0.08 | 0.08 | - | 2.52 |
Q2 2011 | 1,250.00 | 0.12 | 0.12 | - | 2.58 |
Q3 2011 | 1,250.00 | 0.18 | 0.18 | - | 2.64 |
Q4 2011 | 1,250.00 | 0.26 | 0.26 | - | 2.73 |
Q1 2012 | 1,250.00 | 0.63 | 0.33 | - | 3.16 |
Q2 2012 | 1,250.00 | 0.69 | 0.39 | - | 3.27 |
Q3 2012 | 1,250.00 | 0.71 | 0.42 | - | 3.37 |
Q4 2012 | 1,250.00 | 0.75 | 0.45 | - | 3.50 |
Q1 2013 | 1,250.00 | 0.46 | 0.46 | - | 3.62 |
Q2 2013 | 1,250.00 | 0.48 | 0.48 | - | 3.75 |
Q3 2013 | 1,250.00 | 0.54 | 0.54 | - | 3.91 |
Q4 2013 | 1,250.00 | 0.58 | 0.58 | - | 4.08 |
Q1 2014 | 1,250.00 | 0.61 | 0.61 | - | 4.23 |
Q2 2014 | 1,250.00 | 0.63 | 0.63 | - | 4.38 |
Q3 2014 | 1,250.00 | 0.66 | 0.66 | - | 4.55 |
Q4 2014 | 1,250.00 | 0.69 | 0.69 | - | 4.71 |
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 |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
2006 | 1,250.00 | 0.14 | 0.14 | - | 2.42 |
2007 | 1,250.00 | 0.06 | 0.06 | - | 2.48 |
2008 | 1,250.00 | 0.10 | 0.10 | - | 2.57 |
2009 | 1,250.00 | (0.20) | (0.20) | - | 2.40 |
2010 | 1,250.00 | 0.07 | 0.07 | - | 2.48 |
2011 | 1,250.00 | 0.26 | 0.26 | - | 2.73 |
2012 | 1,250.00 | 0.75 | 0.45 | - | 3.50 |
2013 | 1,250.00 | 0.58 | 0.58 | - | 4.08 |
2014 | 1,250.00 | 0.69 | 0.69 | - | 4.71 |
2015 | 1,250.00 | 0.63 | 0.63 | - | 5.15 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
Q1 2007 | More than 100 | More than 100 | 3.53 |
Q2 2007 | More than 100 | More than 100 | 2.78 |
Q3 2007 | More than 100 | More than 100 | 3.03 |
Q4 2007 | More than 100 | More than 100 | 3.90 |
Q1 2008 | More than 100 | More than 100 | 3.03 |
Q2 2008 | More than 100 | More than 100 | 3.69 |
Q3 2008 | More than 100 | More than 100 | 3.69 |
Q4 2008 | More than 100 | More than 100 | 2.62 |
Q1 2009 | More than 100 | More than 100 | 2.41 |
Q2 2009 | More than 100 | More than 100 | 2.37 |
Q3 2009 | More than 100 | More than 100 | 2.03 |
Q4 2009 | NEG | NEG | 2.10 |
Q1 2010 | NEG | NEG | 2.09 |
Q2 2010 | NEG | NEG | 2.01 |
Q3 2010 | NEG | NEG | 1.97 |
Q4 2010 | More than 100 | More than 100 | 1.90 |
Q1 2011 | More than 100 | More than 100 | 1.87 |
Q2 2011 | 40.24 | 40.24 | 1.79 |
Q3 2011 | 24.26 | 24.26 | 1.67 |
Q4 2011 | 18.13 | 18.13 | 1.75 |
Q1 2012 | 10.91 | 20.78 | 2.17 |
Q2 2012 | 9.37 | 16.59 | 1.96 |
Q3 2012 | 9.51 | 16.35 | 2.01 |
Q4 2012 | 9.04 | 14.97 | 1.95 |
Q1 2013 | 17.48 | 17.48 | 2.21 |
Q2 2013 | 17.08 | 17.08 | 2.17 |
Q3 2013 | 18.87 | 18.87 | 2.60 |
Q4 2013 | 19.21 | 19.21 | 2.75 |
Q1 2014 | 22.42 | 22.42 | 3.23 |
Q2 2014 | 22.67 | 22.67 | 3.27 |
Q3 2014 | 26.68 | 26.68 | 3.89 |
Q4 2014 | 20.66 | 20.66 | 3.03 |
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 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
2006 | More than 100 | More than 100 | 3.96 |
2007 | More than 100 | More than 100 | 3.90 |
2008 | More than 100 | More than 100 | 2.62 |
2009 | NEG | NEG | 2.10 |
2010 | More than 100 | More than 100 | 1.90 |
2011 | 18.13 | 18.13 | 1.75 |
2012 | 9.04 | 14.97 | 1.95 |
2013 | 19.21 | 19.21 | 2.75 |
2014 | 20.66 | 20.66 | 3.03 |
2015 | 15.62 | 15.62 | 1.91 |
Q3 2016
2016
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Investment Banking and Brokerage | Others | Remittances ( Enjaz Centers) |
---|---|---|---|---|---|---|
Q1 2007 | 33.68 | 49.87 | 42.11 | - | 26.61 | 18.96 |
Q2 2007 | 39.44 | 82.05 | 21.75 | - | 29.53 | 29.74 |
Q3 2007 | 38.87 | 82.68 | 12.89 | - | 33.73 | 29.25 |
Q4 2007 | 45.91 | 92.18 | 18.44 | - | 16.84 | 34.04 |
Q1 2008 | 53.45 | 102.68 | 24.41 | - | 7.48 | 35.16 |
Q2 2008 | 47.77 | 99.93 | 26.61 | - | 20.03 | 37.14 |
Q3 2008 | 46.68 | 101.56 | 0.78 | 17.00 | 10.68 | 41.16 |
Q4 2008 | 6.48 | 108.57 | 11.69 | 12.03 | 24.00 | 39.27 |
Q1 2009 | 52.51 | 92.95 | 4.87 | 12.38 | 3.66 | 50.44 |
Q2 2009 | 67.07 | 96.00 | 13.30 | 14.60 | (1.31) | 48.89 |
Q3 2009 | 21.00 | 77.26 | 87.28 | 3.26 | (0.03) | 40.97 |
Q4 2009 | 95.63 | 65.29 | 43.32 | 5.21 | 14.51 | - |
Q1 2010 | 133.14 | 103.02 | 31.24 | 8.35 | 10.35 | - |
Q2 2010 | 128.03 | 90.01 | 32.80 | 10.29 | 0.98 | - |
Q3 2010 | 159.09 | 74.17 | 29.24 | 6.79 | 3.37 | - |
Q4 2010 | 151.01 | 86.08 | 34.01 | 7.53 | (0.36) | - |
Q1 2011 | 179.47 | 88.48 | 20.50 | 9.52 | 10.47 | - |
Q2 2011 | 192.55 | 99.42 | 22.41 | 14.95 | 8.65 | - |
Q3 2011 | 204.28 | 93.78 | 24.26 | 7.78 | 4.45 | - |
Q4 2011 | 219.47 | 126.47 | 26.02 | 10.69 | 9.88 | - |
Q1 2012 | 241.11 | 118.81 | 30.91 | 18.52 | 10.46 | - |
Q2 2012 | 261.73 | 119.22 | 32.57 | 18.17 | 12.83 | - |
Q3 2012 | 254.41 | 124.91 | 30.06 | 14.59 | 10.35 | - |
Q4 2012 | 243.68 | 136.57 | 31.71 | 11.83 | 14.95 | - |
Q1 2013 | 257.22 | 135.34 | 27.66 | 14.33 | 15.26 | - |
Q2 2013 | 264.54 | 134.89 | 28.33 | 23.60 | 30.13 | - |
Q3 2013 | 269.28 | 152.66 | 30.52 | 13.20 | 21.11 | - |
Q4 2013 | 269.04 | 154.16 | 32.37 | 15.55 | 28.03 | - |
Q1 2014 | 274.17 | 129.83 | 34.19 | 17.18 | 22.14 | - |
Q2 2014 | 283.90 | 162.80 | 33.34 | 21.15 | 32.81 | - |
Q3 2014 | 286.30 | 168.17 | 33.43 | 23.51 | 39.13 | - |
Q4 2014 | 291.45 | 175.40 | 37.14 | 17.37 | 13.65 | - |
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 | - |
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Investment Banking and Brokerage | Others | Remittances ( Enjaz Centers) |
---|---|---|---|---|---|---|
2006 | 162.04 | 241.22 | 91.62 | - | 111.83 | 48.19 |
2007 | 157.91 | 306.78 | 95.19 | - | 106.70 | 111.99 |
2008 | 154.39 | 412.74 | 63.50 | 29.04 | 62.19 | 152.73 |
2009 | 376.51 | 331.49 | 148.77 | 35.45 | 16.84 | - |
2010 | 571.26 | 353.28 | 127.29 | 32.96 | 14.35 | - |
2011 | 795.76 | 408.16 | 93.19 | 42.94 | 33.46 | - |
2012 | 1,000.92 | 499.50 | 125.26 | 63.12 | 48.59 | - |
2013 | 1,060.09 | 577.05 | 118.89 | 66.67 | 94.54 | - |
2014 | 1,135.83 | 636.19 | 138.09 | 79.21 | 107.73 | - |
2015 | 1,247.86 | 733.56 | 162.13 | 74.60 | 76.48 | - |
Item | Q3 2016 (e) | Q3 2016 (a) | Change |
---|---|---|---|
Average | 191.55 | 227.81 | 18.93 % |
Item | Q3 2016 (e) | Q3 2016 (a) | Change |
---|---|---|---|
Alistithmar Capital | 199.50 | 227.81 | 14.2 % |
SNB Capital | 193.00 | 227.81 | 18.0 % |
Value Capital | 188.60 | 227.81 | 20.8 % |
AlJazira Capital | 185.10 | 227.81 | 23.1 % |
Current | |
Market Cap (M) | 45,000.00 |
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) | 17.15 |
P/E (TTM) | 17.15 |
Price/book | 2.79 |
Return on Average Assets (%) (TTM) | 1.8 |
Return on Average Equity (%) (TTM) | 17.1 |
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