Arab National Bank (ANB) reported a net profit of SAR 2.4 billion for the first nine months of 2017, up 4.5 percent year-on-year (YoY) on higher operating income, mainly from increases in net special commission income, net trading income, gains on non-trading investments, dividend income and other operating income.
The lender also cited a decrease in net unrealized losses from FVIS financial instruments, as well as lower total operating expenses.
Item | 9m 2016 | 9m 2017 | Change |
---|---|---|---|
Net Special Commission Income | 3,114.86 | 3,468.23 | 11.3 % |
Operating Income | 4,458.86 | 4,793.29 | 7.5 % |
Total Provisions | (461.14) | (771.21) | (67.2 %) |
Net Income | 2,288.85 | 2,392.54 | 4.5 % |
Average Shares | 2,000.00 | 2,000.00 | - |
Earnings Per Share before unusual items | 1.14 | 1.20 | 4.5 % |
EPS (Riyals) | 1.14 | 1.20 | 4.5 % |
Net profit for the third quarter increased 7.5 percent YoY to SAR 775.5 million, due to a rise in net trading income, gains on non-trading investments, dividend income and other operating income.
Q3 profit, however, dropped 9 percent compared to the previous quarter, hurt by a 14.3 percent increase in operating expenses due to higher impairment charges for loan losses, staff salaries and employment-related expenses, as well as general and administrative expenses, and impairment charges for investments.
Item | Q3 2016 | Q3 2017 | Change |
---|---|---|---|
Net Special Commission Income | 1,066.96 | 1,183.94 | 11.0 % |
Operating Income | 1,493.97 | 1,676.75 | 12.2 % |
Debt Provisions | (195.83) | (327.63) | (67.3 %) |
Net Income | 721.67 | 775.46 | 7.5 % |
Average Shares | 2,000.00 | 2,000.00 | - |
Earnings Per Share before unusual items | 0.36 | 0.39 | 7.5 % |
EPS (Riyals) | 0.36 | 0.39 | 7.5 % |
Item | Q2 2017 | Q3 2017 | Change |
---|---|---|---|
Net Special Commission Income | 1,215.37 | 1,183.94 | (2.6 %) |
Operating Income | 1,635.96 | 1,676.75 | 2.5 % |
Debt Provisions | (266.68) | (327.63) | (22.9 %) |
Net Income | 849.04 | 775.46 | (8.7 %) |
Average Shares | 2,000.00 | 2,000.00 | - |
Earnings Per Share before unusual items | 0.42 | 0.39 | (8.7 %) |
EPS (Riyals) | 0.42 | 0.39 | (8.7 %) |
Item | 9m 2016 | 9m 2017 | Change |
---|---|---|---|
Assets | 167.26 | 163.64 | (2.2 %) |
Customer Deposits | 128.24 | 128.55 | 0.2 % |
Loan | 115.62 | 115.93 | 0.3 % |
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
Q1 2008 | 875.16 | 27.0 % | 1,045.61 | 5.1 % | (15.00) | 19.1 % |
Q2 2008 | 855.05 | 17.6 % | 1,179.14 | 6.4 % | (23.13) | 25.8 % |
Q3 2008 | 825.43 | 12.7 % | 1,042.82 | 7.2 % | (9.17) | (129.1 %) |
Q4 2008 | 797.90 | 5.6 % | 867.62 | (1.5 %) | (12.99) | 3.4 % |
2008 | 3,353.53 | 15.5 % | 4,135.18 | 4.5 % | (60.28) | 10.2 % |
Q1 2009 | 912.30 | 4.2 % | 1,157.03 | 10.7 % | (54.72) | (264.9 %) |
Q2 2009 | 893.89 | 4.5 % | 1,211.76 | 2.8 % | (73.90) | (219.6 %) |
Q3 2009 | 838.31 | 1.6 % | 1,067.33 | 2.3 % | (51.19) | (458.3 %) |
Q4 2009 | 811.79 | 1.7 % | 1,057.35 | 21.9 % | (346.78) | (2,569.4 %) |
2009 | 3,456.28 | 3.1 % | 4,493.46 | 8.7 % | (526.58) | (773.5 %) |
Q1 2010 | 803.04 | (12.0 %) | 1,124.70 | (2.8 %) | (96.86) | (77.0 %) |
Q2 2010 | 775.33 | (13.3 %) | 1,114.87 | (8.0 %) | (79.43) | (7.5 %) |
Q3 2010 | 779.25 | (7.0 %) | 1,129.50 | 5.8 % | (377.27) | (637.0 %) |
Q4 2010 | 799.93 | (1.5 %) | 1,134.71 | 7.3 % | (410.86) | (18.5 %) |
2010 | 3,157.55 | (8.6 %) | 4,503.78 | 0.2 % | (964.41) | (83.1 %) |
Q1 2011 | 794.08 | (1.1 %) | 1,114.05 | (0.9 %) | (68.03) | 29.8 % |
Q2 2011 | 805.34 | 3.9 % | 1,158.21 | 3.9 % | (55.00) | 30.8 % |
Q3 2011 | 782.29 | 0.4 % | 1,146.07 | 1.5 % | (198.60) | 47.4 % |
Q4 2011 | 799.26 | (0.1 %) | 1,123.14 | (1.0 %) | (296.27) | 27.9 % |
2011 | 3,180.97 | 0.7 % | 4,541.46 | 0.8 % | (617.90) | 35.9 % |
Q1 2012 | 772.74 | (2.7 %) | 1,195.69 | 7.3 % | (89.92) | (32.2 %) |
Q2 2012 | 842.79 | 4.7 % | 1,255.06 | 8.4 % | (83.84) | (52.4 %) |
Q3 2012 | 845.75 | 8.1 % | 1,187.74 | 3.6 % | (151.81) | 23.6 % |
Q4 2012 | 799.15 | 0.0 % | 1,118.34 | (0.4 %) | (196.23) | 33.8 % |
2012 | 3,260.43 | 2.5 % | 4,756.82 | 4.7 % | (521.80) | 15.6 % |
Q1 2013 | 775.21 | 0.3 % | 1,268.29 | 6.1 % | (106.27) | (18.2 %) |
Q2 2013 | 836.90 | (0.7 %) | 1,263.39 | 0.7 % | (65.54) | 21.8 % |
Q3 2013 | 876.81 | 3.7 % | 1,264.79 | 6.5 % | (182.50) | (20.2 %) |
Q4 2013 | 885.98 | 10.9 % | 1,313.08 | 17.4 % | (272.68) | (39.0 %) |
2013 | 3,374.90 | 3.5 % | 5,109.55 | 7.4 % | (626.99) | (20.2 %) |
Q1 2014 | 857.18 | 10.6 % | 1,308.77 | 3.2 % | (106.05) | 0.2 % |
Q2 2014 | 904.11 | 8.0 % | 1,385.51 | 9.7 % | (106.55) | (62.6 %) |
Q3 2014 | 919.16 | 4.8 % | 1,365.49 | 8.0 % | (121.91) | 33.2 % |
Q4 2014 | 942.18 | 6.3 % | 1,447.80 | 10.3 % | (216.37) | 20.7 % |
2014 | 3,622.62 | 7.3 % | 5,507.58 | 7.8 % | (550.88) | 12.1 % |
Q1 2015 | 979.64 | 14.3 % | 1,503.23 | 14.9 % | (137.09) | (29.3 %) |
Q2 2015 | 969.88 | 7.3 % | 1,502.33 | 8.4 % | (135.75) | (27.4 %) |
Q3 2015 | 994.54 | 8.2 % | 1,470.28 | 7.7 % | (130.61) | (7.1 %) |
Q4 2015 | 900.78 | (4.4 %) | 1,305.70 | (9.8 %) | (172.05) | 20.5 % |
2015 | 3,844.84 | 6.1 % | 5,781.13 | 5.0 % | (575.50) | (4.5 %) |
Q1 2016 | 961.68 | (1.8 %) | 1,447.29 | (3.7 %) | (124.78) | 9.0 % |
Q2 2016 | 1,086.22 | 12.0 % | 1,517.60 | 1.0 % | (140.53) | (3.5 %) |
Q3 2016 | 1,066.96 | 7.3 % | 1,493.97 | 1.6 % | (195.83) | (49.9 %) |
Q4 2016 | 1,030.63 | 14.4 % | 1,395.27 | 6.9 % | (265.00) | (54.0 %) |
2016 | 4,145.49 | 7.8 % | 5,854.14 | 1.3 % | (726.14) | (26.2 %) |
Q1 2017 | 1,068.92 | 11.2 % | 1,480.58 | 2.3 % | (176.90) | (41.8 %) |
Q2 2017 | 1,215.37 | 11.9 % | 1,635.96 | 7.8 % | (266.68) | (89.8 %) |
Q3 2017 | 1,183.94 | 11.0 % | 1,676.75 | 12.2 % | (327.63) | (67.3 %) |
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
2007 | 2,903.92 | 15.0 % | 3,956.26 | 2.6 % | (67.13) | 19.1 % |
2008 | 3,353.53 | 15.5 % | 4,135.18 | 4.5 % | (60.28) | 10.2 % |
2009 | 3,456.28 | 3.1 % | 4,493.46 | 8.7 % | (526.58) | (773.5 %) |
2010 | 3,157.55 | (8.6 %) | 4,503.78 | 0.2 % | (964.41) | (83.1 %) |
2011 | 3,180.97 | 0.7 % | 4,541.46 | 0.8 % | (617.90) | 35.9 % |
2012 | 3,260.43 | 2.5 % | 4,756.82 | 4.7 % | (521.80) | 15.6 % |
2013 | 3,374.90 | 3.5 % | 5,109.55 | 7.4 % | (626.99) | (20.2 %) |
2014 | 3,622.62 | 7.3 % | 5,507.58 | 7.8 % | (550.88) | 12.1 % |
2015 | 3,844.84 | 6.1 % | 5,781.13 | 5.0 % | (575.50) | (4.5 %) |
2016 | 4,145.49 | 7.8 % | 5,854.14 | 1.3 % | (726.14) | (26.2 %) |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | Earnings Per Share before unusual items |
---|---|---|---|---|---|---|
Q1 2008 | 672.19 | 4.6 % | 0.34 | - | 672.19 | 0.34 |
Q2 2008 | 752.16 | 3.8 % | 0.38 | - | 752.16 | 0.38 |
Q3 2008 | 627.72 | 3.3 % | 0.31 | - | 627.72 | 0.31 |
Q4 2008 | 434.06 | (10.6 %) | 0.22 | - | 434.06 | 0.22 |
2008 | 2,486.12 | 1.0 % | 1.24 | - | 2,486.12 | 1.24 |
Q1 2009 | 694.83 | 3.4 % | 0.35 | - | 694.83 | 0.35 |
Q2 2009 | 745.87 | (0.8 %) | 0.37 | - | 745.87 | 0.37 |
Q3 2009 | 633.49 | 0.9 % | 0.32 | - | 633.49 | 0.32 |
Q4 2009 | 295.82 | (31.8 %) | 0.15 | - | 295.82 | 0.15 |
2009 | 2,370.01 | (4.7 %) | 1.19 | - | 2,370.01 | 1.19 |
Q1 2010 | 633.68 | (8.8 %) | 0.32 | - | 633.68 | 0.32 |
Q2 2010 | 629.45 | (15.6 %) | 0.31 | - | 629.45 | 0.31 |
Q3 2010 | 346.50 | (45.3 %) | 0.17 | - | 346.50 | 0.17 |
Q4 2010 | 301.46 | 1.9 % | 0.15 | - | 301.46 | 0.15 |
2010 | 1,911.09 | (19.4 %) | 0.96 | - | 1,911.09 | 0.96 |
Q1 2011 | 587.40 | (7.3 %) | 0.29 | - | 587.40 | 0.29 |
Q2 2011 | 696.68 | 10.7 % | 0.35 | - | 696.68 | 0.35 |
Q3 2011 | 519.18 | 49.8 % | 0.26 | - | 519.18 | 0.26 |
Q4 2011 | 367.87 | 22.0 % | 0.18 | - | 367.87 | 0.18 |
2011 | 2,171.12 | 13.6 % | 1.09 | - | 2,171.12 | 1.09 |
Q1 2012 | 655.51 | 11.6 % | 0.33 | - | 655.51 | 0.33 |
Q2 2012 | 717.98 | 3.1 % | 0.36 | - | 717.98 | 0.36 |
Q3 2012 | 572.70 | 10.3 % | 0.29 | - | 572.70 | 0.29 |
Q4 2012 | 424.98 | 15.5 % | 0.21 | - | 424.98 | 0.21 |
2012 | 2,371.18 | 9.2 % | 1.19 | - | 2,371.18 | 1.19 |
Q1 2013 | 678.70 | 3.5 % | 0.34 | - | 678.70 | 0.34 |
Q2 2013 | 717.98 | 0.0 % | 0.36 | - | 717.98 | 0.36 |
Q3 2013 | 589.20 | 2.9 % | 0.29 | - | 589.20 | 0.29 |
Q4 2013 | 536.63 | 26.3 % | 0.27 | - | 536.63 | 0.27 |
2013 | 2,522.50 | 6.4 % | 1.26 | - | 2,522.50 | 1.26 |
Q1 2014 | 712.86 | 5.0 % | 0.36 | - | 712.86 | 0.36 |
Q2 2014 | 785.44 | 9.4 % | 0.39 | - | 785.44 | 0.39 |
Q3 2014 | 747.93 | 26.9 % | 0.37 | - | 747.93 | 0.37 |
Q4 2014 | 628.82 | 17.2 % | 0.31 | - | 628.82 | 0.31 |
2014 | 2,875.05 | 14.0 % | 1.44 | - | 2,875.05 | 1.44 |
Q1 2015 | 770.55 | 8.1 % | 0.39 | - | 770.55 | 0.39 |
Q2 2015 | 835.31 | 6.3 % | 0.42 | - | 835.31 | 0.42 |
Q3 2015 | 764.20 | 2.2 % | 0.38 | - | 764.20 | 0.38 |
Q4 2015 | 594.35 | (5.5 %) | 0.30 | - | 594.35 | 0.30 |
2015 | 2,964.42 | 3.1 % | 1.48 | - | 2,964.42 | 1.48 |
Q1 2016 | 749.19 | (2.8 %) | 0.37 | - | 749.19 | 0.37 |
Q2 2016 | 817.98 | (2.1 %) | 0.41 | - | 817.98 | 0.41 |
Q3 2016 | 721.67 | (5.6 %) | 0.36 | - | 721.67 | 0.36 |
Q4 2016 | 565.06 | (4.9 %) | 0.28 | - | 565.06 | 0.28 |
2016 | 2,853.90 | (3.7 %) | 1.43 | - | 2,853.90 | 1.43 |
Q1 2017 | 768.05 | 2.5 % | 0.38 | - | 768.05 | 0.38 |
Q2 2017 | 849.04 | 3.8 % | 0.42 | - | 849.04 | 0.42 |
Q3 2017 | 775.46 | 7.5 % | 0.39 | - | 775.46 | 0.39 |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | Earnings Per Share before unusual items |
---|---|---|---|---|---|---|
2007 | 2,461.20 | (1.7 %) | 1.23 | - | 2,461.20 | 1.23 |
2008 | 2,486.12 | 1.0 % | 1.24 | - | 2,486.12 | 1.24 |
2009 | 2,370.01 | (4.7 %) | 1.19 | - | 2,370.01 | 1.19 |
2010 | 1,911.09 | (19.4 %) | 0.96 | - | 1,911.09 | 0.96 |
2011 | 2,171.12 | 13.6 % | 1.09 | - | 2,171.12 | 1.09 |
2012 | 2,371.18 | 9.2 % | 1.19 | - | 2,371.18 | 1.19 |
2013 | 2,522.50 | 6.4 % | 1.26 | - | 2,522.50 | 1.26 |
2014 | 2,875.05 | 14.0 % | 1.44 | - | 2,875.05 | 1.44 |
2015 | 2,964.42 | 3.1 % | 1.48 | - | 2,964.42 | 1.48 |
2016 | 2,853.90 | (3.7 %) | 1.43 | - | 2,853.90 | 1.43 |
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
Q1 2008 | 2.68 % | 25.16 % | 77.11 % |
Q2 2008 | 2.61 % | 23.98 % | 78.91 % |
Q3 2008 | 2.52 % | 22.97 % | 79.82 % |
Q4 2008 | 2.30 % | 21.44 % | 81.10 % |
2008 | 2.30 % | 21.44 % | 81.10 % |
Q1 2009 | 2.32 % | 21.27 % | 79.84 % |
Q2 2009 | 2.22 % | 20.06 % | 80.14 % |
Q3 2009 | 2.20 % | 19.22 % | 79.99 % |
Q4 2009 | 2.05 % | 17.53 % | 76.92 % |
2009 | 2.05 % | 17.53 % | 76.92 % |
Q1 2010 | 2.08 % | 17.11 % | 75.03 % |
Q2 2010 | 1.98 % | 15.46 % | 73.98 % |
Q3 2010 | 1.79 % | 12.83 % | 71.60 % |
Q4 2010 | 1.69 % | 12.89 % | 70.11 % |
2010 | 1.69 % | 12.89 % | 70.11 % |
Q1 2011 | 1.62 % | 12.59 % | 70.08 % |
Q2 2011 | 1.80 % | 12.35 % | 70.07 % |
Q3 2011 | 1.93 % | 13.03 % | 69.88 % |
Q4 2011 | 1.86 % | 13.61 % | 70.04 % |
2011 | 1.86 % | 13.61 % | 70.04 % |
Q1 2012 | 1.82 % | 14.10 % | 68.34 % |
Q2 2012 | 1.97 % | 13.57 % | 67.74 % |
Q3 2012 | 1.91 % | 13.48 % | 68.48 % |
Q4 2012 | 1.87 % | 13.77 % | 68.54 % |
2012 | 1.87 % | 13.77 % | 68.54 % |
Q1 2013 | 1.85 % | 13.97 % | 67.56 % |
Q2 2013 | 1.87 % | 13.52 % | 67.32 % |
Q3 2013 | 1.83 % | 13.13 % | 66.90 % |
Q4 2013 | 1.84 % | 13.68 % | 66.05 % |
2013 | 1.84 % | 13.68 % | 66.05 % |
Q1 2014 | 1.80 % | 13.75 % | 67.12 % |
Q2 2014 | 1.88 % | 13.63 % | 66.84 % |
Q3 2014 | 1.93 % | 14.00 % | 66.38 % |
Q4 2014 | 1.90 % | 14.49 % | 65.78 % |
2014 | 1.90 % | 14.49 % | 65.78 % |
Q1 2015 | 1.86 % | 14.50 % | 65.68 % |
Q2 2015 | 1.93 % | 14.32 % | 65.49 % |
Q3 2015 | 1.91 % | 14.05 % | 65.61 % |
Q4 2015 | 1.77 % | 13.95 % | 66.50 % |
2015 | 1.77 % | 13.95 % | 66.51 % |
Q1 2016 | 1.78 % | 13.77 % | 66.84 % |
Q2 2016 | 1.76 % | 13.49 % | 68.69 % |
Q3 2016 | 1.74 % | 13.01 % | 69.66 % |
Q4 2016 | 1.68 % | 12.65 % | 70.81 % |
2016 | 1.68 % | 12.65 % | 70.81 % |
Q1 2017 | 1.71 % | 12.73 % | 72.23 % |
Q2 2017 | 1.72 % | 12.74 % | 72.96 % |
Q3 2017 | 1.79 % | 12.72 % | 72.70 % |
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
2007 | 2.85 % | 26.60 % | 73.40 % |
2008 | 2.30 % | 21.44 % | 81.10 % |
2009 | 2.05 % | 17.53 % | 76.92 % |
2010 | 1.69 % | 12.89 % | 70.11 % |
2011 | 1.86 % | 13.61 % | 70.04 % |
2012 | 1.87 % | 13.77 % | 68.54 % |
2013 | 1.84 % | 13.68 % | 66.05 % |
2014 | 1.90 % | 14.49 % | 65.78 % |
2015 | 1.77 % | 13.95 % | 66.51 % |
2016 | 1.68 % | 12.65 % | 70.81 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
Q1 2008 | 103.96 | 26.5 % | 78.84 | 24.6 % | 65.32 | 29.6 % |
Q2 2008 | 110.33 | 33.7 % | 84.91 | 32.2 % | 69.88 | 32.3 % |
Q3 2008 | 115.68 | 35.1 % | 88.56 | 33.8 % | 74.55 | 29.0 % |
Q4 2008 | 121.31 | 28.4 % | 92.74 | 25.9 % | 74.66 | 22.2 % |
Q1 2009 | 112.41 | 8.1 % | 84.52 | 7.2 % | 72.81 | 11.5 % |
Q2 2009 | 115.08 | 4.3 % | 85.23 | 0.4 % | 71.17 | 1.8 % |
Q3 2009 | 111.86 | (3.3 %) | 80.50 | (9.1 %) | 68.79 | (7.7 %) |
Q4 2009 | 110.30 | (9.1 %) | 82.68 | (10.9 %) | 66.81 | (10.5 %) |
Q1 2010 | 110.06 | (2.1 %) | 77.65 | (8.1 %) | 65.44 | (10.1 %) |
Q2 2010 | 106.21 | (7.7 %) | 78.35 | (8.1 %) | 64.79 | (9.0 %) |
Q3 2010 | 101.37 | (9.4 %) | 77.38 | (3.9 %) | 65.28 | (5.1 %) |
Q4 2010 | 116.03 | 5.2 % | 84.20 | 1.8 % | 66.20 | (0.9 %) |
Q1 2011 | 120.49 | 9.5 % | 88.48 | 13.9 % | 67.32 | 2.9 % |
Q2 2011 | 109.04 | 2.7 % | 84.52 | 7.9 % | 69.09 | 6.6 % |
Q3 2011 | 116.67 | 15.1 % | 85.77 | 10.8 % | 71.69 | 9.8 % |
Q4 2011 | 117.57 | 1.3 % | 87.86 | 4.3 % | 72.84 | 10.0 % |
Q1 2012 | 125.42 | 4.1 % | 90.69 | 2.5 % | 75.57 | 12.3 % |
Q2 2012 | 120.39 | 10.4 % | 94.82 | 12.2 % | 80.74 | 16.9 % |
Q3 2012 | 125.35 | 7.4 % | 98.27 | 14.6 % | 83.65 | 16.7 % |
Q4 2012 | 136.64 | 16.2 % | 107.56 | 22.4 % | 86.33 | 18.5 % |
Q1 2013 | 133.67 | 6.6 % | 109.09 | 20.3 % | 85.97 | 13.8 % |
Q2 2013 | 136.12 | 13.1 % | 103.02 | 8.7 % | 85.54 | 5.9 % |
Q3 2013 | 137.89 | 10.0 % | 105.21 | 7.1 % | 86.11 | 2.9 % |
Q4 2013 | 137.94 | 0.9 % | 106.37 | (1.1 %) | 88.46 | 2.5 % |
Q1 2014 | 150.50 | 12.6 % | 117.54 | 7.7 % | 87.42 | 1.7 % |
Q2 2014 | 142.67 | 4.8 % | 109.19 | 6.0 % | 91.74 | 7.2 % |
Q3 2014 | 149.94 | 8.7 % | 114.69 | 9.0 % | 96.04 | 11.5 % |
Q4 2014 | 164.67 | 19.4 % | 129.63 | 21.9 % | 103.72 | 17.3 % |
Q1 2015 | 164.79 | 9.5 % | 131.23 | 11.6 % | 108.85 | 24.5 % |
Q2 2015 | 166.43 | 16.7 % | 132.42 | 21.3 % | 111.49 | 21.5 % |
Q3 2015 | 164.86 | 10.0 % | 132.60 | 15.6 % | 113.28 | 17.9 % |
Q4 2015 | 170.42 | 3.5 % | 135.76 | 4.7 % | 115.66 | 11.5 % |
Q1 2016 | 166.59 | 1.1 % | 132.03 | 0.6 % | 116.04 | 6.6 % |
Q2 2016 | 166.58 | 0.1 % | 129.16 | (2.5 %) | 117.88 | 5.7 % |
Q3 2016 | 167.26 | 1.5 % | 128.24 | (3.3 %) | 115.62 | 2.1 % |
Q4 2016 | 170.01 | (0.2 %) | 135.91 | 0.1 % | 115.51 | (0.1 %) |
Q1 2017 | 168.43 | 1.1 % | 131.84 | (0.1 %) | 116.04 | 0.0 % |
Q2 2017 | 171.03 | 2.7 % | 130.75 | 1.2 % | 114.88 | (2.5 %) |
Q3 2017 | 163.64 | (2.2 %) | 128.55 | 0.2 % | 115.93 | 0.3 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
3m 2008 | 103.96 | 26.5 % | 78.84 | 24.6 % | 65.32 | 29.6 % |
6m 2008 | 110.33 | 33.7 % | 84.91 | 32.2 % | 69.88 | 32.3 % |
9m 2008 | 115.68 | 35.1 % | 88.56 | 33.8 % | 74.55 | 29.0 % |
12m 2008 | 121.31 | 28.4 % | 92.74 | 25.9 % | 74.66 | 22.2 % |
3m 2009 | 112.41 | 8.1 % | 84.52 | 7.2 % | 72.81 | 11.5 % |
6m 2009 | 115.08 | 4.3 % | 85.23 | 0.4 % | 71.17 | 1.8 % |
9m 2009 | 111.86 | (3.3 %) | 80.50 | (9.1 %) | 68.79 | (7.7 %) |
12m 2009 | 110.30 | (9.1 %) | 82.68 | (10.9 %) | 66.81 | (10.5 %) |
3m 2010 | 110.06 | (2.1 %) | 77.65 | (8.1 %) | 65.44 | (10.1 %) |
6m 2010 | 106.21 | (7.7 %) | 78.35 | (8.1 %) | 64.79 | (9.0 %) |
9m 2010 | 101.37 | (9.4 %) | 77.38 | (3.9 %) | 65.28 | (5.1 %) |
12m 2010 | 116.03 | 5.2 % | 84.20 | 1.8 % | 66.20 | (0.9 %) |
3m 2011 | 120.49 | 9.5 % | 88.48 | 13.9 % | 67.32 | 2.9 % |
6m 2011 | 109.04 | 2.7 % | 84.52 | 7.9 % | 69.09 | 6.6 % |
9m 2011 | 116.67 | 15.1 % | 85.77 | 10.8 % | 71.69 | 9.8 % |
12m 2011 | 117.57 | 1.3 % | 87.86 | 4.3 % | 72.84 | 10.0 % |
3m 2012 | 125.42 | 4.1 % | 90.69 | 2.5 % | 75.57 | 12.3 % |
6m 2012 | 120.39 | 10.4 % | 94.82 | 12.2 % | 80.74 | 16.9 % |
9m 2012 | 125.35 | 7.4 % | 98.27 | 14.6 % | 83.65 | 16.7 % |
12m 2012 | 136.64 | 16.2 % | 107.56 | 22.4 % | 86.33 | 18.5 % |
3m 2013 | 133.67 | 6.6 % | 109.09 | 20.3 % | 85.97 | 13.8 % |
6m 2013 | 136.12 | 13.1 % | 103.02 | 8.7 % | 85.54 | 5.9 % |
9m 2013 | 137.89 | 10.0 % | 105.21 | 7.1 % | 86.11 | 2.9 % |
12m 2013 | 137.94 | 0.9 % | 106.37 | (1.1 %) | 88.46 | 2.5 % |
3m 2014 | 150.50 | 12.6 % | 117.54 | 7.7 % | 87.42 | 1.7 % |
6m 2014 | 142.67 | 4.8 % | 109.19 | 6.0 % | 91.74 | 7.2 % |
9m 2014 | 149.94 | 8.7 % | 114.69 | 9.0 % | 96.04 | 11.5 % |
12m 2014 | 164.67 | 19.4 % | 129.63 | 21.9 % | 103.72 | 17.3 % |
3m 2015 | 164.79 | 9.5 % | 131.23 | 11.6 % | 108.85 | 24.5 % |
6m 2015 | 166.43 | 16.7 % | 132.42 | 21.3 % | 111.49 | 21.5 % |
9m 2015 | 164.86 | 10.0 % | 132.60 | 15.6 % | 113.28 | 17.9 % |
12m 2015 | 170.42 | 3.5 % | 135.76 | 4.7 % | 115.66 | 11.5 % |
3m 2016 | 166.59 | 1.1 % | 132.03 | 0.6 % | 116.04 | 6.6 % |
6m 2016 | 166.58 | 0.1 % | 129.16 | (2.5 %) | 117.88 | 5.7 % |
9m 2016 | 167.26 | 1.5 % | 128.24 | (3.3 %) | 115.62 | 2.1 % |
12m 2016 | 170.01 | (0.2 %) | 135.91 | 0.1 % | 115.51 | (0.1 %) |
3m 2017 | 168.43 | 1.1 % | 131.84 | (0.1 %) | 116.04 | 0.0 % |
6m 2017 | 171.03 | 2.7 % | 130.75 | 1.2 % | 114.88 | (2.5 %) |
9m 2017 | 163.64 | (2.2 %) | 128.55 | 0.2 % | 115.93 | 0.3 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
2007 | 94.47 | 21.1 % | 73.69 | 19.3 % | 61.12 | 22.9 % |
2008 | 121.31 | 28.4 % | 92.74 | 25.9 % | 74.66 | 22.2 % |
2009 | 110.30 | (9.1 %) | 82.68 | (10.9 %) | 66.81 | (10.5 %) |
2010 | 116.03 | 5.2 % | 84.20 | 1.8 % | 66.20 | (0.9 %) |
2011 | 117.57 | 1.3 % | 87.86 | 4.3 % | 72.84 | 10.0 % |
2012 | 136.64 | 16.2 % | 107.56 | 22.4 % | 86.33 | 18.5 % |
2013 | 137.94 | 0.9 % | 106.37 | (1.1 %) | 88.46 | 2.5 % |
2014 | 164.67 | 19.4 % | 129.63 | 21.9 % | 103.72 | 17.3 % |
2015 | 170.42 | 3.5 % | 135.76 | 4.7 % | 115.66 | 11.5 % |
2016 | 170.01 | (0.2 %) | 135.91 | 0.1 % | 115.51 | (0.1 %) |
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
Q1 2008 | 75.84 % | 62.83 % | 82.85 % |
Q2 2008 | 76.96 % | 63.34 % | 82.30 % |
Q3 2008 | 76.55 % | 64.44 % | 84.18 % |
Q4 2008 | 76.45 % | 61.55 % | 80.50 % |
Q1 2009 | 75.19 % | 64.77 % | 86.15 % |
Q2 2009 | 74.06 % | 61.84 % | 83.50 % |
Q3 2009 | 71.96 % | 61.50 % | 85.46 % |
Q4 2009 | 74.96 % | 60.57 % | 80.81 % |
Q1 2010 | 70.56 % | 59.46 % | 84.28 % |
Q2 2010 | 73.77 % | 61.00 % | 82.69 % |
Q3 2010 | 76.33 % | 64.40 % | 84.37 % |
Q4 2010 | 72.56 % | 57.05 % | 78.63 % |
Q1 2011 | 73.44 % | 55.87 % | 76.08 % |
Q2 2011 | 77.51 % | 63.36 % | 81.74 % |
Q3 2011 | 73.52 % | 61.45 % | 83.59 % |
Q4 2011 | 74.73 % | 61.96 % | 82.91 % |
Q1 2012 | 72.31 % | 60.26 % | 83.33 % |
Q2 2012 | 78.76 % | 67.06 % | 85.15 % |
Q3 2012 | 78.40 % | 66.74 % | 85.12 % |
Q4 2012 | 78.72 % | 63.18 % | 80.26 % |
Q1 2013 | 81.61 % | 64.31 % | 78.81 % |
Q2 2013 | 75.68 % | 62.84 % | 83.03 % |
Q3 2013 | 76.30 % | 62.45 % | 81.85 % |
Q4 2013 | 77.12 % | 64.13 % | 83.16 % |
Q1 2014 | 78.10 % | 58.08 % | 74.37 % |
Q2 2014 | 76.53 % | 64.30 % | 84.02 % |
Q3 2014 | 76.49 % | 64.06 % | 83.74 % |
Q4 2014 | 78.72 % | 62.99 % | 80.01 % |
Q1 2015 | 79.63 % | 66.06 % | 82.95 % |
Q2 2015 | 79.57 % | 66.99 % | 84.20 % |
Q3 2015 | 80.43 % | 68.71 % | 85.43 % |
Q4 2015 | 79.66 % | 67.86 % | 85.19 % |
Q1 2016 | 79.25 % | 69.66 % | 87.89 % |
Q2 2016 | 77.54 % | 70.76 % | 91.26 % |
Q3 2016 | 76.67 % | 69.13 % | 90.17 % |
Q4 2016 | 79.94 % | 67.94 % | 84.99 % |
Q1 2017 | 78.27 % | 68.90 % | 88.02 % |
Q2 2017 | 76.45 % | 67.17 % | 87.87 % |
Q3 2017 | 78.55 % | 70.84 % | 90.19 % |
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
2007 | 78.01 % | 64.70 % | 82.94 % |
2008 | 76.45 % | 61.55 % | 80.50 % |
2009 | 74.96 % | 60.57 % | 80.81 % |
2010 | 72.56 % | 57.05 % | 78.63 % |
2011 | 74.73 % | 61.96 % | 82.91 % |
2012 | 78.72 % | 63.18 % | 80.26 % |
2013 | 77.12 % | 64.13 % | 83.16 % |
2014 | 78.72 % | 62.99 % | 80.01 % |
2015 | 79.66 % | 67.86 % | 85.19 % |
2016 | 79.94 % | 67.94 % | 84.99 % |
Period | Shares Outstanding (M) | EPS (Riyal) | Earnings Per Share before unusual items (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
Q1 2008 | 2,000.00 | 1.25 | 1.25 | - | 5.54 |
Q2 2008 | 2,000.00 | 1.26 | 1.26 | - | 5.87 |
Q3 2008 | 2,000.00 | 1.27 | 1.27 | - | 6.07 |
Q4 2008 | 2,000.00 | 1.24 | 1.24 | - | 6.34 |
Q1 2009 | 2,000.00 | 1.25 | 1.25 | - | 6.25 |
Q2 2009 | 2,000.00 | 1.25 | 1.25 | - | 6.60 |
Q3 2009 | 2,000.00 | 1.25 | 1.25 | - | 6.97 |
Q4 2009 | 2,000.00 | 1.19 | 1.19 | - | 7.18 |
Q1 2010 | 2,000.00 | 1.15 | 1.15 | - | 7.24 |
Q2 2010 | 2,000.00 | 1.10 | 1.10 | - | 7.58 |
Q3 2010 | 2,000.00 | 0.95 | 0.95 | - | 7.87 |
Q4 2010 | 2,000.00 | 0.96 | 0.96 | - | 7.65 |
Q1 2011 | 2,000.00 | 0.93 | 0.93 | - | 7.57 |
Q2 2011 | 2,000.00 | 0.97 | 0.97 | - | 8.07 |
Q3 2011 | 2,000.00 | 1.05 | 1.05 | - | 8.28 |
Q4 2011 | 2,000.00 | 1.09 | 1.09 | - | 8.31 |
Q1 2012 | 2,000.00 | 1.12 | 1.12 | - | 8.31 |
Q2 2012 | 2,000.00 | 1.13 | 1.13 | - | 8.59 |
Q3 2012 | 2,000.00 | 1.16 | 1.16 | - | 8.88 |
Q4 2012 | 2,000.00 | 1.19 | 1.19 | - | 8.90 |
Q1 2013 | 2,000.00 | 1.20 | 1.20 | - | 8.83 |
Q2 2013 | 2,000.00 | 1.20 | 1.20 | - | 9.11 |
Q3 2013 | 2,000.00 | 1.21 | 1.21 | - | 9.48 |
Q4 2013 | 2,000.00 | 1.26 | 1.26 | - | 9.54 |
Q1 2014 | 2,000.00 | 1.28 | 1.28 | - | 9.77 |
Q2 2014 | 2,000.00 | 1.31 | 1.31 | - | 10.14 |
Q3 2014 | 2,000.00 | 1.39 | 1.39 | - | 10.41 |
Q4 2014 | 2,000.00 | 1.44 | 1.44 | - | 10.30 |
Q1 2015 | 2,000.00 | 1.47 | 1.47 | - | 10.46 |
Q2 2015 | 2,000.00 | 1.49 | 1.49 | - | 10.69 |
Q3 2015 | 2,000.00 | 1.50 | 1.50 | - | 10.93 |
Q4 2015 | 2,000.00 | 1.48 | 1.48 | - | 10.95 |
Q1 2016 | 2,000.00 | 1.47 | 1.47 | - | 10.90 |
Q2 2016 | 2,000.00 | 1.46 | 1.46 | - | 10.99 |
Q3 2016 | 2,000.00 | 1.44 | 1.44 | - | 11.22 |
Q4 2016 | 2,000.00 | 1.43 | 1.43 | - | 11.62 |
Q1 2017 | 2,000.00 | 1.44 | 1.44 | - | 11.66 |
Q2 2017 | 2,000.00 | 1.45 | 1.45 | - | 11.80 |
Q3 2017 | 2,000.00 | 1.48 | 1.48 | - | 12.02 |
Period | Shares Outstanding (M) | EPS (Riyal) | Earnings Per Share before unusual items (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
2007 | 2,000.00 | 1.23 | 1.23 | - | 5.26 |
2008 | 2,000.00 | 1.24 | 1.24 | - | 6.34 |
2009 | 2,000.00 | 1.19 | 1.19 | - | 7.18 |
2010 | 2,000.00 | 0.96 | 0.96 | - | 7.65 |
2011 | 2,000.00 | 1.09 | 1.09 | - | 8.31 |
2012 | 2,000.00 | 1.19 | 1.19 | - | 8.90 |
2013 | 2,000.00 | 1.26 | 1.26 | - | 9.54 |
2014 | 2,000.00 | 1.44 | 1.44 | - | 10.30 |
2015 | 2,000.00 | 1.48 | 1.48 | - | 10.95 |
2016 | 2,000.00 | 1.43 | 1.43 | - | 11.62 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
Q1 2008 | 14.91 | 14.91 | 3.35 |
Q2 2008 | 16.36 | 16.36 | 3.51 |
Q3 2008 | 12.56 | 12.56 | 2.62 |
Q4 2008 | 8.14 | 8.14 | 1.60 |
Q1 2009 | 9.18 | 9.18 | 1.84 |
Q2 2009 | 10.08 | 10.08 | 1.91 |
Q3 2009 | 12.60 | 12.60 | 2.27 |
Q4 2009 | 11.61 | 11.61 | 1.91 |
Q1 2010 | 12.85 | 12.85 | 2.05 |
Q2 2010 | 11.92 | 11.92 | 1.72 |
Q3 2010 | 14.16 | 14.16 | 1.71 |
Q4 2010 | 12.80 | 12.80 | 1.60 |
Q1 2011 | 15.86 | 15.86 | 1.95 |
Q2 2011 | 12.94 | 12.94 | 1.55 |
Q3 2011 | 11.23 | 11.23 | 1.43 |
Q4 2011 | 10.77 | 10.77 | 1.41 |
Q1 2012 | 12.79 | 12.79 | 1.72 |
Q2 2012 | 9.78 | 9.78 | 1.29 |
Q3 2012 | 9.77 | 9.77 | 1.27 |
Q4 2012 | 9.47 | 9.47 | 1.26 |
Q1 2013 | 9.47 | 9.47 | 1.29 |
Q2 2013 | 10.86 | 10.86 | 1.43 |
Q3 2013 | 10.72 | 10.72 | 1.36 |
Q4 2013 | 10.38 | 10.38 | 1.37 |
Q1 2014 | 11.73 | 11.73 | 1.54 |
Q2 2014 | 10.47 | 10.47 | 1.36 |
Q3 2014 | 12.21 | 12.21 | 1.63 |
Q4 2014 | 10.60 | 10.60 | 1.48 |
Q1 2015 | 10.97 | 10.97 | 1.54 |
Q2 2015 | 11.07 | 11.07 | 1.54 |
Q3 2015 | 9.06 | 9.06 | 1.24 |
Q4 2015 | 7.94 | 7.94 | 1.08 |
Q1 2016 | 6.57 | 6.57 | 0.89 |
Q2 2016 | 6.61 | 6.61 | 0.88 |
Q3 2016 | 5.38 | 5.38 | 0.69 |
Q4 2016 | 7.74 | 7.74 | 0.95 |
Q1 2017 | 6.92 | 6.92 | 0.85 |
Q2 2017 | 7.71 | 7.71 | 0.95 |
Q3 2017 | 8.13 | 8.13 | 1.00 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
2007 | 22.31 | 22.31 | 5.22 |
2008 | 8.14 | 8.14 | 1.60 |
2009 | 11.61 | 11.61 | 1.91 |
2010 | 12.80 | 12.80 | 1.60 |
2011 | 10.77 | 10.77 | 1.41 |
2012 | 9.47 | 9.47 | 1.26 |
2013 | 10.38 | 10.38 | 1.37 |
2014 | 10.60 | 10.60 | 1.48 |
2015 | 7.94 | 7.94 | 1.08 |
2016 | 7.74 | 7.74 | 0.95 |
Q3 2017
2017
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Investment Banking and Brokerage | Others |
---|---|---|---|---|---|
Q1 2008 | 738.63 | 334.94 | (27.96) | - | - |
Q2 2008 | 503.48 | 180.96 | 163.05 | 109.22 | 222.42 |
Q3 2008 | 677.79 | 258.28 | (85.72) | 36.82 | 155.65 |
Q4 2008 | 542.31 | 233.94 | 192.33 | 34.37 | (135.34) |
Q1 2009 | 524.10 | 328.63 | 133.45 | 33.24 | 137.61 |
Q2 2009 | 587.90 | 301.65 | 200.86 | 49.00 | 72.35 |
Q3 2009 | 539.13 | 298.41 | 157.29 | 16.54 | 55.95 |
Q4 2009 | 469.69 | 306.57 | 114.88 | 23.78 | 142.43 |
Q1 2010 | 526.50 | 305.46 | 125.20 | 20.22 | 147.32 |
Q2 2010 | 542.18 | 310.32 | 130.39 | 31.36 | 100.63 |
Q3 2010 | 519.05 | 297.56 | 184.23 | 18.70 | 109.96 |
Q4 2010 | 582.63 | 339.64 | 97.87 | 24.80 | 89.76 |
Q1 2011 | 542.94 | 353.61 | 87.72 | 31.53 | 98.25 |
Q2 2011 | 544.10 | 350.06 | 120.51 | 43.02 | 100.53 |
Q3 2011 | 554.56 | 374.86 | 96.06 | 22.44 | 98.15 |
Q4 2011 | 552.47 | 350.77 | 112.92 | 30.05 | 76.93 |
Q1 2012 | 547.54 | 329.65 | 237.29 | 48.44 | 32.78 |
Q2 2012 | 555.96 | 444.51 | 202.41 | 37.80 | 14.38 |
Q3 2012 | 509.80 | 364.10 | 249.29 | 30.80 | 33.75 |
Q4 2012 | 532.18 | 369.68 | 185.00 | 22.76 | 8.72 |
Q1 2013 | 523.63 | 427.43 | 228.21 | 38.76 | 50.26 |
Q2 2013 | 534.81 | 450.71 | 206.27 | 26.70 | 44.89 |
Q3 2013 | 525.95 | 443.62 | 245.12 | 23.96 | 26.13 |
Q4 2013 | 509.06 | 459.47 | 293.01 | 23.01 | 28.53 |
Q1 2014 | 530.00 | 494.40 | 228.30 | 30.29 | 25.77 |
Q2 2014 | 572.57 | 487.50 | 241.95 | 36.78 | 46.72 |
Q3 2014 | 518.30 | 538.93 | 209.30 | 32.05 | 66.92 |
Q4 2014 | 557.14 | 584.24 | 204.62 | 36.03 | 65.77 |
Q1 2015 | 604.48 | 582.76 | 217.31 | 32.57 | 66.11 |
Q2 2015 | 618.24 | 562.31 | 222.91 | 43.47 | 55.41 |
Q3 2015 | 574.99 | 588.74 | 212.73 | 24.16 | 69.25 |
Q4 2015 | 492.59 | 501.26 | 200.27 | 40.69 | 70.89 |
Q1 2016 | 576.61 | 486.44 | 240.27 | 34.88 | 109.09 |
Q2 2016 | 604.07 | 545.00 | 277.04 | 35.39 | 56.11 |
Q3 2016 | 649.47 | 555.45 | 283.15 | 30.10 | (24.20) |
Q4 2016 | 501.36 | 421.55 | 232.26 | 72.18 | 167.92 |
Q1 2017 | 586.10 | 574.33 | 246.87 | 38.21 | 35.07 |
Q2 2017 | 615.57 | 638.56 | 264.29 | 44.64 | 72.91 |
Q3 2017 | 576.27 | 615.68 | 381.47 | 40.92 | 62.41 |
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Investment Banking and Brokerage | Others |
---|---|---|---|---|---|
2007 | 2,190.30 | 728.03 | 426.23 | 266.38 | 345.32 |
2008 | 2,462.21 | 1,008.12 | 241.71 | 180.42 | 242.73 |
2009 | 2,120.83 | 1,235.27 | 606.48 | 122.55 | 408.33 |
2010 | 2,170.36 | 1,252.97 | 537.70 | 95.08 | 447.67 |
2011 | 2,194.07 | 1,429.30 | 417.21 | 127.04 | 373.85 |
2012 | 2,145.47 | 1,507.93 | 873.98 | 139.80 | 89.63 |
2013 | 2,093.44 | 1,781.24 | 972.62 | 112.43 | 149.82 |
2014 | 2,178.01 | 2,105.07 | 884.17 | 135.15 | 205.18 |
2015 | 2,290.30 | 2,235.07 | 853.22 | 140.89 | 261.66 |
2016 | 2,331.50 | 2,008.45 | 1,032.72 | 172.55 | 308.92 |
Item | Q3 2017 (e) | Q3 2017 (a) | Change |
---|---|---|---|
Average | 799.79 | 775.46 | (3.0 %) |
Item | Q3 2017 (e) | Q3 2017 (a) | Change |
---|---|---|---|
Alistithmar Capital | 790.46 | 775.46 | (1.9) % |
Riyad Capital | 798.00 | 775.46 | (2.8) % |
SNB Capital | 745.00 | 775.46 | 4.1 % |
Sico | 824.00 | 775.46 | (5.9) % |
OSOOL AND BAKHEET | 841.50 | 775.46 | (7.8) % |
Current | |
Market Cap (M Riyal) | 46,200.00 |
Shares Outstanding ((M)) | 2,000.00 |
EPS ( Riyal) (TTM) | 2.48 |
EPS Diluted ( Riyal) (TTM) | 2.48 |
Book Value (BV) ( Riyal) | 19.06 |
Par Value ( Riyal) | 10.00 |
Adjusted P/E (Last12) | 9.09 |
P/E (TTM) | 9.30 |
Price/book | 1.21 |
Return on Average Assets (%) (TTM) | 2.1 |
Return on Average Equity (%) (TTM) | 13.4 |
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