Bank Albilad reported a net profit of SAR 1.541 billion for the first nine months of 2022, an increase of 23% compared to SAR 1.258 billion in the year-earlier period.
Item | 9m 2021 | 9m 2022 | Change |
---|---|---|---|
Net Income from investments and financial activities | 2,588.00 | 2,904.50 | 12.2 % |
Operating Income | 3,437.14 | 3,842.76 | 11.8 % |
Total Provisions | (448.34) | (412.02) | 8.1 % |
Net Income | 1,258.55 | 1,541.94 | 22.5 % |
Average Shares | 1,250.00 | 1,250.00 | - |
EPS (Riyals) | 1.01 | 1.23 | 22.5 % |
The bank attributed the profit rise to a 12% year-on-year (YoY) rise in total operating income, due to higher net income from investing and financing activities, other operating income, net exchange income, net gains on FVSI investment and dividend income.
Q3 2022 net profit amounted to SAR 540.6 million, up 20% YoY from SAR 449.70 million, due to a 13% increase YoY in total operating income, mainly driven by the increase in net income from investing and financing assets, other operating income, net exchange income and net gains on FVSI investment.
On a sequential basis, Q3 net profit grew 5.8% from SAR 510.98 million in Q2 2022.
Item | Q3 2021 | Q3 2022 | Change |
---|---|---|---|
Net Income from investments and financial activities | 886.75 | 1,003.38 | 13.2 % |
Operating Income | 1,174.47 | 1,325.49 | 12.9 % |
Debt Provisions | (142.50) | (132.06) | 7.3 % |
Net Income | 449.70 | 540.65 | 20.2 % |
Average Shares | 1,250.00 | 1,250.00 | - |
EPS (Riyals) | 0.36 | 0.43 | 20.2 % |
Item | Q2 2022 | Q3 2022 | Change |
---|---|---|---|
Net Income from investments and financial activities | 956.66 | 1,003.38 | 4.9 % |
Operating Income | 1,252.76 | 1,325.49 | 5.8 % |
Debt Provisions | (120.43) | (132.06) | (9.7 %) |
Net Income | 510.98 | 540.65 | 5.8 % |
Average Shares | 1,250.00 | 1,250.00 | - |
EPS (Riyals) | 0.41 | 0.43 | 5.8 % |
EPS Diluted (Riyal) | 0.41 | 0.43 | 4.9 % |
Shareholders’ equity, no minority interest, reached SAR 13.034 billion as of Sept. 30, 2022, compared to SAR 11.867 billion in the year-earlier period
Item | 9m 2021 | 9m 2022 | Change |
---|---|---|---|
Assets | 111.61 | 127.02 | 13.8 % |
Customer Deposits | 82.35 | 93.89 | 14.0 % |
Financing Investments | 81.80 | 92.29 | 12.8 % |
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 % |
Q3 2022 | 1,003.38 | 13.2 % | 1,325.49 | 12.9 % | (132.06) | 7.3 % |
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 |
Q3 2022 | 540.65 | 20.2 % | 0.43 | - | 540.65 | 0.43 |
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 % |
Q3 2022 | 1.65 % | 15.82 % | 44.11 % |
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 % |
Q3 2022 | 127.02 | 13.8 % | 93.89 | 14.0 % | 92.29 | 12.8 % |
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 % |
9m 2022 | 127.02 | 13.8 % | 93.89 | 14.0 % | 92.29 | 12.8 % |
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 % |
Q3 2022 | 73.91 % | 98.30 % | 72.66 % |
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 |
Q3 2022 | 1,250.00 | 1.58 | 1.58 | - | 10.43 |
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 |
Q3 2022 | 24.11 | 24.11 | 3.64 |
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 |
Q3 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 | - | - |
Q3 2022 | 760.58 | 354.95 | 162.93 | 47.03 | - | - |
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 | Q3 2022 (e) | Q3 2022 (a) | Change |
---|---|---|---|
Average | 527.23 | 540.65 | 2.54 % |
Item | Q3 2022 (e) | Q3 2022 (a) | Change |
---|---|---|---|
OSOOL AND BAKHEET | 540.55 | 540.65 | 0.0 % |
Riyad Capital | 543.00 | 540.65 | (0.4) % |
SNB Capital | 533.00 | 540.65 | 1.4 % |
AlJazira Capital | 522.60 | 540.65 | 3.5 % |
Hermes | 497.00 | 540.65 | 8.8 % |
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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