Bank Albilad reported a net profit of SAR 1.001 billion for H1 2022, a rise of 24% from SAR 808.8 million in the year-ago period.
Item | 6m 2021 | 6m 2022 | Change |
---|---|---|---|
Net Income from investments and financial activities | 1,701.25 | 1,901.12 | 11.7 % |
Operating Income | 2,264.02 | 2,517.27 | 11.2 % |
Total Provisions | (305.85) | (279.96) | 8.5 % |
Net Income | 808.84 | 1,001.30 | 23.8 % |
Average Shares | 1,250.00 | 1,250.00 | - |
EPS (Riyals) | 0.65 | 0.80 | 23.8 % |
The profit rise was driven by an 11% increase year-on-year (YoY) in total operating income, due to higher net income from investment and financing activities, as well as fee and commission income. Albilad also recorded net gains on FVSI investment, dividend income, net exchange income and other operating income. However, net fee and commission income has decreased.
On the other hand, total operating expenses increased by 3% YoY, due to higher general and administrative expenses, salaries and employee related benefits, as well as depreciation and amortization.
Item | Q2 2021 | Q2 2022 | Change |
---|---|---|---|
Net Income from investments and financial activities | 842.49 | 956.66 | 13.6 % |
Operating Income | 1,131.04 | 1,252.76 | 10.8 % |
Debt Provisions | (136.35) | (120.43) | 11.7 % |
Net Income | 416.09 | 510.98 | 22.8 % |
Average Shares | 1,250.00 | 1,250.00 | - |
EPS (Riyals) | 0.33 | 0.41 | 22.8 % |
Item | Q1 2022 | Q2 2022 | Change |
---|---|---|---|
Net Income from investments and financial activities | 944.46 | 956.66 | 1.3 % |
Operating Income | 1,264.51 | 1,252.76 | (0.9 %) |
Debt Provisions | (159.53) | (120.43) | 24.5 % |
Net Income | 490.31 | 510.98 | 4.2 % |
Average Shares | 1,250.00 | 1,250.00 | - |
EPS (Riyals) | 0.39 | 0.41 | 4.2 % |
EPS Diluted (Riyal) | 0.39 | 0.41 | 5.1 % |
The second-quarter net profit rose 23% to SAR 511 million from SAR 416 million in Q2 2021, thanks to an 11% rise YoY in total operating income.
Compered to Q1 2021, net profit grew by 4.2%, as total operating expenses decreased by 5%.
Item | 6m 2021 | 6m 2022 | Change |
---|---|---|---|
Assets | 107.65 | 121.51 | 12.9 % |
Customer Deposits | 81.64 | 89.11 | 9.1 % |
Financing Investments | 79.13 | 91.21 | 15.3 % |
Shareholders’ equity, after minority interest, increased to SAR 12.606 billion as of June 30 2022, compared to SAR 11.416 billion in the year-earlier period.
Period | Net Income from investments and financial activities | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
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 %) |
Q4 2016 | 363.76 | 17.3 % | 680.38 | 15.7 % | (43.20) | (459.8 %) |
2016 | 1,407.91 | 21.1 % | 2,587.43 | 12.8 % | (191.21) | (143.0 %) |
Q1 2017 | 391.74 | 17.4 % | 690.77 | 10.2 % | (50.41) | 10.6 % |
Q2 2017 | 431.50 | 23.8 % | 721.51 | 12.5 % | (76.67) | (42.2 %) |
Q3 2017 | 448.83 | 24.1 % | 762.94 | 19.5 % | (115.98) | (207.8 %) |
Q4 2017 | 466.93 | 28.4 % | 784.35 | 15.3 % | (135.57) | (213.8 %) |
2017 | 1,739.00 | 23.5 % | 2,959.58 | 14.4 % | (378.63) | (98.0 %) |
Q1 2018 | 488.24 | 24.6 % | 790.97 | 14.5 % | (95.11) | (88.7 %) |
Q2 2018 | 521.40 | 20.8 % | 842.68 | 16.8 % | (135.25) | (76.4 %) |
Q3 2018 | 552.13 | 23.0 % | 880.25 | 15.4 % | (148.14) | (27.7 %) |
Q4 2018 | 602.46 | 29.0 % | 902.12 | 15.0 % | (111.95) | 17.4 % |
2018 | 2,164.23 | 24.5 % | 3,416.02 | 15.4 % | (490.45) | (29.5 %) |
Q1 2019 | 597.09 | 22.3 % | 921.41 | 16.5 % | (124.83) | (31.2 %) |
Q2 2019 | 693.10 | 32.9 % | 959.24 | 13.8 % | (137.81) | (1.9 %) |
Q3 2019 | 728.59 | 32.0 % | 1,023.65 | 16.3 % | (140.75) | 5.0 % |
Q4 2019 | 771.12 | 28.0 % | 1,041.04 | 15.4 % | (139.70) | (24.8 %) |
2019 | 2,823.76 | 30.5 % | 3,945.35 | 15.5 % | (543.09) | (10.7 %) |
Q1 2020 | 769.08 | 28.8 % | 1,004.15 | 9.0 % | (208.05) | (66.7 %) |
Q2 2020 | 821.22 | 18.5 % | 999.51 | 4.2 % | (145.92) | (5.9 %) |
Q3 2020 | 855.52 | 17.4 % | 1,112.62 | 8.7 % | (160.29) | (13.9 %) |
Q4 2020 | 846.81 | 9.8 % | 1,139.90 | 9.5 % | (180.25) | (29.0 %) |
2020 | 3,292.63 | 16.6 % | 4,262.05 | 8.0 % | (694.51) | (27.9 %) |
Q1 2021 | 858.76 | 11.7 % | 1,132.99 | 12.8 % | (169.50) | 18.5 % |
Q2 2021 | 842.49 | 2.6 % | 1,131.04 | 13.2 % | (136.35) | 6.6 % |
Q3 2021 | 886.75 | 3.7 % | 1,174.47 | 5.6 % | (142.50) | 11.1 % |
Q4 2021 | 901.49 | 6.5 % | 1,146.81 | 0.6 % | (121.33) | 32.7 % |
2021 | 3,489.49 | 6.0 % | 4,583.95 | 7.6 % | (569.67) | 18.0 % |
Q1 2022 | 944.46 | 10.0 % | 1,264.51 | 11.6 % | (159.53) | 5.9 % |
Q2 2022 | 956.66 | 13.6 % | 1,252.76 | 10.8 % | (120.43) | 11.7 % |
Period | Net Income from investments and financial activities | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
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 %) |
2016 | 1,407.91 | 21.1 % | 2,587.43 | 12.8 % | (191.21) | (143.0 %) |
2017 | 1,739.00 | 23.5 % | 2,959.58 | 14.4 % | (378.63) | (98.0 %) |
2018 | 2,164.23 | 24.5 % | 3,416.02 | 15.4 % | (490.45) | (29.5 %) |
2019 | 2,823.76 | 30.5 % | 3,945.35 | 15.5 % | (543.09) | (10.7 %) |
2020 | 3,292.63 | 16.6 % | 4,262.05 | 8.0 % | (694.51) | (27.9 %) |
2021 | 3,489.49 | 6.0 % | 4,583.95 | 7.6 % | (569.67) | 18.0 % |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
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 |
Q4 2016 | 221.52 | 8.4 % | 0.18 | - | 221.52 | 0.18 |
2016 | 807.72 | 2.4 % | 0.65 | - | 807.72 | 0.65 |
Q1 2017 | 229.38 | 31.4 % | 0.18 | - | 229.38 | 0.18 |
Q2 2017 | 238.76 | 29.8 % | 0.19 | - | 238.76 | 0.19 |
Q3 2017 | 248.05 | 8.9 % | 0.20 | - | 248.05 | 0.20 |
Q4 2017 | 225.86 | 2.0 % | 0.18 | - | 225.86 | 0.18 |
2017 | 942.05 | 16.6 % | 0.75 | - | 942.05 | 0.75 |
Q1 2018 | 246.11 | 7.3 % | 0.20 | - | 246.11 | 0.20 |
Q2 2018 | 265.90 | 11.4 % | 0.21 | - | 265.90 | 0.21 |
Q3 2018 | 237.02 | (4.4 %) | 0.19 | - | 237.02 | 0.19 |
Q4 2018 | (136.32) | (160.4 %) | (0.11) | (392.80) | 256.48 | 0.21 |
2018 | 612.71 | (35.0 %) | 0.49 | (392.80) | 1,005.51 | 0.80 |
Q1 2019 | 284.89 | 15.8 % | 0.23 | - | 284.89 | 0.23 |
Q2 2019 | 304.91 | 14.7 % | 0.24 | - | 304.91 | 0.24 |
Q3 2019 | 326.63 | 37.8 % | 0.26 | - | 326.63 | 0.26 |
Q4 2019 | 327.15 | 340.0 % | 0.26 | - | 327.15 | 0.26 |
2019 | 1,243.74 | 103.0 % | 0.99 | - | 1,243.74 | 0.99 |
Q1 2020 | 270.04 | (5.2 %) | 0.22 | - | 270.04 | 0.22 |
Q2 2020 | 318.06 | 4.3 % | 0.25 | - | 318.06 | 0.25 |
Q3 2020 | 382.61 | 17.1 % | 0.31 | - | 382.61 | 0.31 |
Q4 2020 | 377.81 | 15.5 % | 0.30 | - | 377.81 | 0.30 |
2020 | 1,348.52 | 8.4 % | 1.08 | - | 1,348.52 | 1.08 |
Q1 2021 | 392.75 | 45.4 % | 0.31 | - | 392.75 | 0.31 |
Q2 2021 | 416.09 | 30.8 % | 0.33 | - | 416.09 | 0.33 |
Q3 2021 | 449.70 | 17.5 % | 0.36 | - | 449.70 | 0.36 |
Q4 2021 | 427.99 | 13.3 % | 0.34 | - | 427.99 | 0.34 |
2021 | 1,686.54 | 25.1 % | 1.35 | - | 1,686.54 | 1.35 |
Q1 2022 | 490.31 | 24.8 % | 0.39 | - | 490.31 | 0.39 |
Q2 2022 | 510.98 | 22.8 % | 0.41 | - | 510.98 | 0.41 |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
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 |
2016 | 807.72 | 2.4 % | 0.65 | - | 807.72 | 0.65 |
2017 | 942.05 | 16.6 % | 0.75 | - | 942.05 | 0.75 |
2018 | 612.71 | (35.0 %) | 0.49 | (392.80) | 1,005.51 | 0.80 |
2019 | 1,243.74 | 103.0 % | 0.99 | - | 1,243.74 | 0.99 |
2020 | 1,348.52 | 8.4 % | 1.08 | - | 1,348.52 | 1.08 |
2021 | 1,686.54 | 25.1 % | 1.35 | - | 1,686.54 | 1.35 |
Period | Return On Average Assets | Return on Average Equity | Net Profit/Investment Income & Other Financing Operations |
---|---|---|---|
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 % |
Q4 2016 | 1.54 % | 11.92 % | 45.62 % |
2016 | 1.54 % | 11.92 % | 45.62 % |
Q1 2017 | 1.55 % | 12.46 % | 46.47 % |
Q2 2017 | 1.61 % | 13.11 % | 47.26 % |
Q3 2017 | 1.59 % | 12.93 % | 46.38 % |
Q4 2017 | 1.61 % | 12.82 % | 44.50 % |
2017 | 1.61 % | 12.82 % | 44.50 % |
Q1 2018 | 1.56 % | 12.74 % | 42.90 % |
Q2 2018 | 1.54 % | 13.15 % | 41.61 % |
Q3 2018 | 1.46 % | 12.56 % | 38.56 % |
Q4 2018 | 0.90 % | 7.95 % | 22.50 % |
2018 | 0.90 % | 7.95 % | 22.50 % |
Q1 2019 | 0.94 % | 8.15 % | 22.51 % |
Q2 2019 | 0.95 % | 8.35 % | 22.37 % |
Q3 2019 | 1.03 % | 9.17 % | 23.87 % |
Q4 2019 | 1.56 % | 14.41 % | 36.28 % |
2019 | 1.56 % | 14.41 % | 35.93 % |
Q1 2020 | 1.52 % | 13.79 % | 34.46 % |
Q2 2020 | 1.50 % | 13.27 % | 34.22 % |
Q3 2020 | 1.50 % | 13.38 % | 35.54 % |
Q4 2020 | 1.48 % | 13.37 % | 37.18 % |
2020 | 1.48 % | 13.37 % | 37.18 % |
Q1 2021 | 1.54 % | 14.43 % | 40.52 % |
Q2 2021 | 1.60 % | 14.73 % | 43.19 % |
Q3 2021 | 1.60 % | 14.75 % | 44.40 % |
Q4 2021 | 1.63 % | 14.85 % | 44.84 % |
2021 | 1.63 % | 14.85 % | 44.84 % |
Q1 2022 | 1.63 % | 15.40 % | 45.86 % |
Q2 2022 | 1.64 % | 15.64 % | 45.62 % |
Period | Return On Average Assets | Return on Average Equity | Net Profit/Investment Income & Other Financing Operations |
---|---|---|---|
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 % |
2016 | 1.54 % | 11.92 % | 45.62 % |
2017 | 1.61 % | 12.82 % | 44.50 % |
2018 | 0.90 % | 7.95 % | 22.50 % |
2019 | 1.56 % | 14.41 % | 35.93 % |
2020 | 1.48 % | 13.37 % | 37.18 % |
2021 | 1.63 % | 14.85 % | 44.84 % |
Period | Assets | Change | Customer Deposits | Change | Financing Investments | Change |
---|---|---|---|---|---|---|
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 % |
Q4 2016 | 53.75 | 4.9 % | 40.23 | (4.6 %) | 36.18 | 5.6 % |
Q1 2017 | 57.29 | 5.5 % | 43.54 | (0.9 %) | 38.70 | 3.7 % |
Q2 2017 | 59.73 | 9.9 % | 44.97 | 6.8 % | 40.66 | 10.1 % |
Q3 2017 | 62.53 | 12.4 % | 46.40 | 12.5 % | 41.81 | 15.4 % |
Q4 2017 | 63.21 | 17.6 % | 47.78 | 18.8 % | 43.45 | 20.1 % |
Q1 2018 | 65.78 | 14.8 % | 50.77 | 16.6 % | 45.62 | 17.9 % |
Q2 2018 | 68.41 | 14.5 % | 52.18 | 16.0 % | 47.34 | 16.4 % |
Q3 2018 | 70.71 | 13.1 % | 54.57 | 17.6 % | 49.74 | 18.9 % |
Q4 2018 | 73.64 | 16.5 % | 57.18 | 19.7 % | 50.59 | 16.4 % |
Q1 2019 | 72.90 | 10.8 % | 57.59 | 13.4 % | 51.40 | 12.7 % |
Q2 2019 | 76.97 | 12.5 % | 59.32 | 13.7 % | 53.62 | 13.3 % |
Q3 2019 | 81.16 | 14.8 % | 64.06 | 17.4 % | 56.40 | 13.4 % |
Q4 2019 | 86.00 | 16.8 % | 67.11 | 17.4 % | 59.29 | 17.2 % |
Q1 2020 | 88.40 | 21.3 % | 68.38 | 18.7 % | 62.46 | 21.5 % |
Q2 2020 | 88.86 | 15.5 % | 64.88 | 9.4 % | 64.92 | 21.1 % |
Q3 2020 | 92.31 | 13.7 % | 68.88 | 7.5 % | 67.76 | 20.2 % |
Q4 2020 | 95.75 | 11.3 % | 71.55 | 6.6 % | 70.11 | 18.3 % |
Q1 2021 | 102.52 | 16.0 % | 76.96 | 12.6 % | 75.53 | 20.9 % |
Q2 2021 | 107.65 | 21.2 % | 81.64 | 25.8 % | 79.13 | 21.9 % |
Q3 2021 | 111.61 | 20.9 % | 82.35 | 19.5 % | 81.80 | 20.7 % |
Q4 2021 | 110.85 | 15.8 % | 81.11 | 13.4 % | 82.93 | 18.3 % |
Q1 2022 | 116.44 | 13.6 % | 86.08 | 11.8 % | 86.39 | 14.4 % |
Q2 2022 | 121.51 | 12.9 % | 89.11 | 9.2 % | 91.21 | 15.3 % |
Period | Assets | Change | Customer Deposits | Change | Financing Investments | Change |
---|---|---|---|---|---|---|
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 % |
12m 2016 | 53.75 | 4.9 % | 40.23 | (4.6 %) | 36.18 | 5.6 % |
3m 2017 | 57.29 | 5.5 % | 43.54 | (0.9 %) | 38.70 | 3.7 % |
6m 2017 | 59.73 | 9.9 % | 44.97 | 6.8 % | 40.66 | 10.1 % |
9m 2017 | 62.53 | 12.4 % | 46.40 | 12.5 % | 41.81 | 15.4 % |
12m 2017 | 63.21 | 17.6 % | 47.78 | 18.8 % | 43.45 | 20.1 % |
3m 2018 | 65.78 | 14.8 % | 50.77 | 16.6 % | 45.62 | 17.9 % |
6m 2018 | 68.41 | 14.5 % | 52.18 | 16.0 % | 47.34 | 16.4 % |
9m 2018 | 70.71 | 13.1 % | 54.57 | 17.6 % | 49.74 | 18.9 % |
12m 2018 | 73.64 | 16.5 % | 57.18 | 19.7 % | 50.59 | 16.4 % |
3m 2019 | 72.90 | 10.8 % | 57.59 | 13.4 % | 51.40 | 12.7 % |
6m 2019 | 76.97 | 12.5 % | 59.32 | 13.7 % | 53.62 | 13.3 % |
9m 2019 | 81.16 | 14.8 % | 64.06 | 17.4 % | 56.40 | 13.4 % |
12m 2019 | 86.00 | 16.8 % | 67.11 | 17.4 % | 59.29 | 17.2 % |
3m 2020 | 88.40 | 21.3 % | 68.38 | 18.7 % | 62.46 | 21.5 % |
6m 2020 | 88.86 | 15.5 % | 64.88 | 9.4 % | 64.92 | 21.1 % |
9m 2020 | 92.31 | 13.7 % | 68.88 | 7.5 % | 67.76 | 20.2 % |
12m 2020 | 95.75 | 11.3 % | 71.55 | 6.6 % | 70.11 | 18.3 % |
3m 2021 | 102.52 | 16.0 % | 76.96 | 12.6 % | 75.53 | 20.9 % |
6m 2021 | 107.65 | 21.2 % | 81.64 | 25.8 % | 79.13 | 21.9 % |
9m 2021 | 111.61 | 20.9 % | 82.35 | 19.5 % | 81.80 | 20.7 % |
12m 2021 | 110.85 | 15.8 % | 81.11 | 13.4 % | 82.93 | 18.3 % |
3m 2022 | 116.44 | 13.6 % | 86.08 | 11.8 % | 86.39 | 14.4 % |
6m 2022 | 121.51 | 12.9 % | 89.11 | 9.2 % | 91.21 | 15.3 % |
Period | Assets | Change | Customer Deposits | Change | Financing Investments | Change |
---|---|---|---|---|---|---|
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 % |
2016 | 53.75 | 4.9 % | 40.23 | (4.6 %) | 36.18 | 5.6 % |
2017 | 63.21 | 17.6 % | 47.78 | 18.8 % | 43.45 | 20.1 % |
2018 | 73.64 | 16.5 % | 57.18 | 19.7 % | 50.59 | 16.4 % |
2019 | 86.00 | 16.8 % | 67.11 | 17.4 % | 59.29 | 17.2 % |
2020 | 95.75 | 11.3 % | 71.55 | 6.6 % | 70.11 | 18.3 % |
2021 | 110.85 | 15.8 % | 81.11 | 13.4 % | 82.93 | 18.3 % |
Period | Customer Deposits Per Total Assets | Financing Investments/Customer Deposits | Financing Investments/Total Assets |
---|---|---|---|
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 % |
Q4 2016 | 74.86 % | 89.92 % | 67.31 % |
Q1 2017 | 76.00 % | 88.89 % | 67.55 % |
Q2 2017 | 75.29 % | 90.42 % | 68.08 % |
Q3 2017 | 74.20 % | 90.12 % | 66.87 % |
Q4 2017 | 75.60 % | 90.93 % | 68.74 % |
Q1 2018 | 77.19 % | 89.84 % | 69.35 % |
Q2 2018 | 76.28 % | 90.73 % | 69.20 % |
Q3 2018 | 77.18 % | 91.14 % | 70.34 % |
Q4 2018 | 77.65 % | 88.48 % | 68.70 % |
Q1 2019 | 79.00 % | 89.26 % | 70.51 % |
Q2 2019 | 77.07 % | 90.40 % | 69.67 % |
Q3 2019 | 78.92 % | 88.04 % | 69.49 % |
Q4 2019 | 78.03 % | 88.35 % | 68.94 % |
Q1 2020 | 77.35 % | 91.35 % | 70.66 % |
Q2 2020 | 73.01 % | 100.07 % | 73.06 % |
Q3 2020 | 74.62 % | 98.37 % | 73.41 % |
Q4 2020 | 74.73 % | 97.99 % | 73.22 % |
Q1 2021 | 75.07 % | 98.14 % | 73.68 % |
Q2 2021 | 75.84 % | 96.93 % | 73.51 % |
Q3 2021 | 73.78 % | 99.34 % | 73.29 % |
Q4 2021 | 73.17 % | 102.25 % | 74.81 % |
Q1 2022 | 73.92 % | 100.36 % | 74.19 % |
Q2 2022 | 73.33 % | 102.35 % | 75.06 % |
Period | Customer Deposits Per Total Assets | Financing Investments/Customer Deposits | Financing Investments/Total Assets |
---|---|---|---|
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 % |
2016 | 74.86 % | 89.92 % | 67.31 % |
2017 | 75.60 % | 90.93 % | 68.74 % |
2018 | 77.65 % | 88.48 % | 68.70 % |
2019 | 78.03 % | 88.35 % | 68.94 % |
2020 | 74.73 % | 97.99 % | 73.22 % |
2021 | 73.17 % | 102.25 % | 74.81 % |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
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 |
Q4 2016 | 1,250.00 | 0.65 | 0.65 | - | 5.69 |
Q1 2017 | 1,250.00 | 0.69 | 0.69 | - | 5.86 |
Q2 2017 | 1,250.00 | 0.73 | 0.73 | - | 5.83 |
Q3 2017 | 1,250.00 | 0.75 | 0.75 | - | 6.06 |
Q4 2017 | 1,250.00 | 0.75 | 0.75 | - | 6.07 |
Q1 2018 | 1,250.00 | 0.77 | 0.77 | - | 6.18 |
Q2 2018 | 1,250.00 | 0.79 | 0.79 | - | 6.17 |
Q3 2018 | 1,250.00 | 0.78 | 0.78 | - | 6.35 |
Q4 2018 | 1,250.00 | 0.49 | 0.80 | - | 6.27 |
Q1 2019 | 1,250.00 | 0.52 | 0.84 | - | 6.62 |
Q2 2019 | 1,250.00 | 0.55 | 0.87 | - | 7.06 |
Q3 2019 | 1,250.00 | 0.62 | 0.94 | - | 7.26 |
Q4 2019 | 1,250.00 | 0.99 | 0.99 | - | 7.54 |
Q1 2020 | 1,250.00 | 0.98 | 0.98 | - | 7.64 |
Q2 2020 | 1,250.00 | 0.99 | 0.99 | - | 7.91 |
Q3 2020 | 1,250.00 | 1.04 | 1.04 | - | 8.26 |
Q4 2020 | 1,250.00 | 1.08 | 1.08 | - | 8.59 |
Q1 2021 | 1,250.00 | 1.18 | 1.18 | - | 8.67 |
Q2 2021 | 1,250.00 | 1.26 | 1.26 | - | 9.13 |
Q3 2021 | 1,250.00 | 1.31 | 1.31 | - | 9.49 |
Q4 2021 | 1,250.00 | 1.35 | 1.35 | - | 9.58 |
Q1 2022 | 1,250.00 | 1.43 | 1.43 | - | 9.86 |
Q2 2022 | 1,250.00 | 1.50 | 1.50 | - | 10.09 |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
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 |
2016 | 1,250.00 | 0.65 | 0.65 | - | 5.69 |
2017 | 1,250.00 | 0.75 | 0.75 | - | 6.07 |
2018 | 1,250.00 | 0.49 | 0.80 | - | 6.27 |
2019 | 1,250.00 | 0.99 | 0.99 | - | 7.54 |
2020 | 1,250.00 | 1.08 | 1.08 | - | 8.59 |
2021 | 1,250.00 | 1.35 | 1.35 | - | 9.58 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
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 |
Q4 2016 | 15.31 | 15.31 | 1.74 |
Q1 2017 | 12.78 | 12.78 | 1.50 |
Q2 2017 | 12.45 | 12.45 | 1.57 |
Q3 2017 | 12.35 | 12.35 | 1.53 |
Q4 2017 | 13.05 | 13.05 | 1.62 |
Q1 2018 | 14.27 | 14.27 | 1.77 |
Q2 2018 | 14.27 | 14.27 | 1.82 |
Q3 2018 | 15.25 | 15.25 | 1.87 |
Q4 2018 | 26.71 | 16.28 | 2.09 |
Q1 2019 | 27.52 | 17.17 | 2.17 |
Q2 2019 | 29.68 | 18.92 | 2.32 |
Q3 2019 | 25.50 | 16.96 | 2.19 |
Q4 2019 | 16.24 | 16.24 | 2.14 |
Q1 2020 | 12.49 | 12.49 | 1.61 |
Q2 2020 | 13.37 | 13.37 | 1.68 |
Q3 2020 | 13.96 | 13.96 | 1.75 |
Q4 2020 | 15.78 | 15.78 | 1.98 |
Q1 2021 | 17.96 | 17.96 | 2.44 |
Q2 2021 | 17.56 | 17.56 | 2.41 |
Q3 2021 | 18.76 | 18.76 | 2.59 |
Q4 2021 | 20.63 | 20.63 | 2.90 |
Q1 2022 | 26.09 | 26.09 | 3.78 |
Q2 2022 | 23.28 | 23.28 | 3.47 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
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 |
2016 | 15.31 | 15.31 | 1.74 |
2017 | 13.05 | 13.05 | 1.62 |
2018 | 26.71 | 16.28 | 2.09 |
2019 | 16.24 | 16.24 | 2.14 |
2020 | 15.78 | 15.78 | 1.98 |
2021 | 20.63 | 20.63 | 2.90 |
Q2 2022
2022
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Investment Banking and Brokerage | Others | Remittances ( Enjaz Centers) |
---|---|---|---|---|---|---|
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 | - |
Q4 2016 | 320.78 | 204.70 | 67.19 | 35.17 | 52.54 | - |
Q1 2017 | 373.21 | 208.07 | 46.09 | 23.84 | 39.56 | - |
Q2 2017 | 389.03 | 231.87 | 50.14 | 23.39 | 27.15 | - |
Q3 2017 | 403.93 | 239.47 | 58.53 | 31.11 | 29.99 | - |
Q4 2017 | 407.18 | 254.39 | 92.68 | 27.28 | 2.67 | - |
Q1 2018 | 444.39 | 220.57 | 98.48 | 27.54 | - | - |
Q2 2018 | 501.84 | 237.48 | 76.77 | 26.59 | - | - |
Q3 2018 | 450.55 | 236.16 | 130.40 | 63.14 | - | - |
Q4 2018 | 499.72 | 268.64 | 84.16 | 49.59 | - | - |
Q1 2019 | 549.39 | 245.51 | 84.22 | 42.29 | - | - |
Q2 2019 | 553.05 | 258.59 | 117.55 | 30.07 | - | - |
Q3 2019 | 606.26 | 251.55 | 117.39 | 48.45 | - | - |
Q4 2019 | 573.12 | 301.39 | 107.44 | 59.10 | - | - |
Q1 2020 | 628.34 | 253.41 | 71.72 | 50.69 | - | - |
Q2 2020 | 623.10 | 239.28 | 108.84 | 28.28 | - | - |
Q3 2020 | 704.29 | 237.06 | 129.94 | 47.20 | - | - |
Q4 2020 | 659.21 | 274.76 | 150.74 | 55.19 | - | - |
Q1 2021 | 742.32 | 213.15 | 123.35 | 54.16 | - | - |
Q2 2021 | 736.02 | 185.65 | 143.29 | 66.07 | - | - |
Q3 2021 | 796.65 | 202.47 | 125.84 | 48.15 | - | - |
Q4 2021 | 647.23 | 180.52 | 248.71 | 70.36 | - | - |
Q1 2022 | 750.34 | 257.89 | 189.77 | 66.51 | - | - |
Q2 2022 | 719.71 | 303.30 | 180.44 | 49.31 | - | - |
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Investment Banking and Brokerage | Others | Remittances ( Enjaz Centers) |
---|---|---|---|---|---|---|
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 | - |
2016 | 1,294.29 | 795.81 | 251.96 | 92.95 | 152.43 | - |
2017 | 1,573.35 | 933.80 | 247.44 | 105.61 | 99.38 | - |
2018 | 1,896.50 | 962.86 | 389.80 | 166.86 | - | - |
2019 | 2,281.82 | 1,057.03 | 426.59 | 179.91 | - | - |
2020 | 2,614.93 | 1,004.52 | 461.24 | 181.36 | - | - |
2021 | 2,922.22 | 781.80 | 641.19 | 238.74 | - | - |
Item | Q2 2022 (e) | Q2 2022 (a) | Change |
---|---|---|---|
Average | 490.30 | 510.98 | 4.22 % |
Item | Q2 2022 (e) | Q2 2022 (a) | Change |
---|---|---|---|
Riyad Capital | 510.00 | 510.98 | 0.2 % |
OSOOL AND BAKHEET | 522.43 | 510.98 | (2.2) % |
FAB Securities | 500.00 | 510.98 | 2.2 % |
Hermes | 489.00 | 510.98 | 4.5 % |
SNB Capital | 485.00 | 510.98 | 5.4 % |
Arqaam Capital | 476.00 | 510.98 | 7.3 % |
AlJazira Capital | 449.70 | 510.98 | 13.6 % |
Current | |
Market Cap (M) | 44,812.50 |
Shares Outstanding ((M)) | 1,250.00 |
EPS ( Riyal) (TTM) | 2.10 |
EPS Diluted ( Riyal) (TTM) | 2.11 |
Book Value (BV) ( Riyal) | 12.91 |
Par Value ( Riyal) | 10.00 |
Adjusted P/E (Last12) | 17.08 |
P/E (TTM) | 17.08 |
Price/book | 2.78 |
Return on Average Assets (%) (TTM) | 1.8 |
Return on Average Equity (%) (TTM) | 17.1 |
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