ANB net profit slumps 28% to SAR 1.798 bln in 9M 2020

ANB net profit slumps 28% to SAR 1.798 bln in 9M 2020

08/11/2020 Argaam Exclusive

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Arab National Bank’s (ANB) net profit fell 28% year-on-year (YoY) to SAR 1.798 billion for the first nine months of 2020, driven by a 13.3% decline in total operating income on lower net special income. Also, total operating expenses increased by 4.9% for the same period.



Financials (M)

Item 9m 2019 9m 2020 Change‬
Net Special Commission Income 4,212.74 3,700.45 (12.2 %)
Operating Income 5,103.81 4,423.17 (13.3 %)
Total Provisions (545.93) (747.46) (36.9 %)
Net Income 2,507.98 1,798.34 (28.3 %)
Average Shares 2,000.00 2,000.00 -
EPS (Riyals) 1.25 0.90 (28.3 %)
EPS Diluted (Riyals) 1.25 0.90 (28.3 %)

The third-quarter net profit dropped 20% YoY to SAR 668.6 million, due to 15.7% lower total operating income.

 

The bank also cited lower net special commission income, decreased net exchange income and lower unrealised gains on FVTPL financial instruments.

 

On a sequential basis, Q3 2020 net profit jumped 37.6%.



Current Quarter Comparison (M)

Compared With The
Item Q3 2019 Q3 2020 Change‬
Net Special Commission Income 1,410.44 1,210.64 (14.2 %)
Operating Income 1,736.71 1,463.83 (15.7 %)
Debt Provisions (210.36) (203.68) 3.2 %
Net Income 834.76 668.60 (19.9 %)
Average Shares 2,000.00 2,000.00 -
EPS (Riyals) 0.42 0.33 (19.9 %)
EPS Diluted (Riyal) 0.42 0.33 (19.9 %)

Balance Sheet (B)

Item 9m 2019 9m 2020 Change‬
Assets 170.93 188.53 10.3 %
Customer Deposits 130.92 136.72 4.4 %
Loan 117.88 118.06 0.2 %


Financial results (Million)

Period Net Special Commission Income Change Operating Income Change Debt Provisions Change
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 %
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 %
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 %)
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 %
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 %
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 %)
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 %)
Q4 2017 1,196.53 16.1 % 1,584.65 13.6 % (377.58) (42.5 %)
Q1 2018 1,194.12 11.7 % 1,533.16 3.6 % (174.86) 1.2 %
Q2 2018 1,271.67 4.6 % 1,646.25 0.6 % (174.37) 34.6 %
Q3 2018 1,322.57 11.7 % 1,683.93 0.4 % (241.82) 26.2 %
Q4 2018 1,363.08 13.9 % 1,671.49 5.5 % (407.28) (7.9 %)
Q1 2019 1,364.84 14.3 % 1,633.15 6.5 % (147.99) 15.4 %
Q2 2019 1,437.47 13.0 % 1,733.94 5.3 % (187.58) (7.6 %)
Q3 2019 1,410.44 6.6 % 1,736.71 3.1 % (210.36) 13.0 %
Q4 2019 1,340.20 (1.7 %) 1,629.03 (2.5 %) (424.67) (4.3 %)
Q1 2020 1,290.76 (5.4 %) 1,489.61 (8.8 %) (198.35) (34.0 %)
Q2 2020 1,199.05 (16.6 %) 1,469.73 (15.2 %) (345.43) (84.1 %)
Q3 2020 1,210.64 (14.2 %) 1,463.83 (15.7 %) (203.68) 3.2 %


Profit Performance (Million)

Period Net Income Change EPS(Riyal) Extraordinary Income/Expense Net Profit Before Unusual Items EPS Before XO Items
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
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
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
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
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
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
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
Q4 2017 634.43 12.3 % 0.32 - 634.43 0.32
Q1 2018 664.38 (13.5 %) 0.33 - 664.38 0.33
Q2 2018 747.22 (12.0 %) 0.37 - 747.22 0.37
Q3 2018 731.11 (5.7 %) 0.37 - 731.11 0.37
Q4 2018 1,826.30 187.9 % 0.91 1,113.26 713.04 0.36
Q1 2019 778.97 17.2 % 0.39 - 778.97 0.39
Q2 2019 894.24 19.7 % 0.45 - 894.24 0.45
Q3 2019 834.76 14.2 % 0.42 - 834.76 0.42
Q4 2019 515.26 (71.8 %) 0.26 - 515.26 0.26
Q1 2020 643.79 (17.4 %) 0.32 - 643.79 0.32
Q2 2020 485.95 (45.7 %) 0.24 - 485.95 0.24
Q3 2020 668.60 (19.9 %) 0.33 - 668.60 0.33

Profitability

Period Return On Average Assets Return on Average Equity Net Interest Income/Total Operating Income
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 %
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 %
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 %
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 %
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 %
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 %
Q1 2017 1.71 % 12.73 % 72.23 %
Q2 2017 1.72 % 12.74 % 72.96 %
Q3 2017 1.79 % 12.72 % 72.70 %
Q4 2017 1.77 % 12.72 % 73.14 %
Q1 2018 1.74 % 12.24 % 74.49 %
Q2 2018 1.67 % 11.68 % 75.24 %
Q3 2018 1.66 % 11.37 % 77.31 %
Q4 2018 2.27 % 15.60 % 78.83 %
Q1 2019 2.42 % 16.02 % 80.22 %
Q2 2019 2.50 % 16.24 % 81.64 %
Q3 2019 2.54 % 16.54 % 82.30 %
Q4 2019 1.67 % 11.03 % 82.48 %
Q1 2020 1.63 % 10.66 % 83.15 %
Q2 2020 1.38 % 8.88 % 82.85 %
Q3 2020 1.29 % 8.12 % 83.29 %

Balance Sheet (B)

Period Assets Change Customer Deposits Change Loan Change
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 %
Q4 2017 171.70 1.0 % 136.05 0.1 % 114.54 (0.8 %)
Q1 2018 168.40 0.0 % 130.03 (1.4 %) 113.06 (2.6 %)
Q2 2018 167.85 (1.9 %) 129.24 (1.2 %) 117.49 2.3 %
Q3 2018 170.03 3.9 % 130.97 1.9 % 120.49 3.9 %
Q4 2018 178.35 3.9 % 142.06 4.4 % 121.04 5.7 %
Q1 2019 168.68 0.2 % 130.31 0.2 % 120.19 6.3 %
Q2 2019 170.90 1.8 % 131.91 2.1 % 119.75 1.9 %
Q3 2019 170.93 0.5 % 130.92 0.0 % 117.88 (2.2 %)
Q4 2019 183.44 2.9 % 142.13 0.1 % 118.84 (1.8 %)
Q1 2020 184.87 9.6 % 135.98 4.4 % 119.94 (0.2 %)
Q2 2020 187.30 9.6 % 133.90 1.5 % 117.13 (2.2 %)
Q3 2020 188.53 10.3 % 136.72 4.4 % 118.06 0.2 %

Ratios

Period Customer Deposits Per Total Assets Loans and advances/Total assets Loans and advances/Customers Deposits
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 %
Q4 2017 79.24 % 66.71 % 84.19 %
Q1 2018 77.21 % 67.14 % 86.95 %
Q2 2018 77.00 % 70.00 % 90.91 %
Q3 2018 77.03 % 70.86 % 92.00 %
Q4 2018 79.65 % 67.86 % 85.20 %
Q1 2019 77.25 % 71.25 % 92.23 %
Q2 2019 77.19 % 70.07 % 90.78 %
Q3 2019 76.60 % 68.97 % 90.04 %
Q4 2019 77.48 % 64.78 % 83.61 %
Q1 2020 73.56 % 64.88 % 88.20 %
Q2 2020 71.49 % 62.54 % 87.48 %
Q3 2020 72.52 % 62.62 % 86.35 %


Per Share Data (Riyal)

Compared With The
Period Shares Outstanding (M) EPS (Riyal) Adjusted EPS (Riyal) EPS Diluted (Riyal) Book Value (BV)
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
Q4 2017 2,000.00 1.51 1.51 - 12.18
Q1 2018 2,000.00 1.46 1.46 - 12.23
Q2 2018 2,000.00 1.41 1.41 - 12.36
Q3 2018 2,000.00 1.39 1.39 - 12.39
Q4 2018 2,000.00 1.98 1.43 - 13.26
Q1 2019 2,000.00 2.04 1.49 - 13.25
Q2 2019 2,000.00 2.12 1.56 - 13.70
Q3 2019 2,000.00 2.17 1.61 - 13.81
Q4 2019 2,000.00 1.51 1.51 1.51 14.15
Q1 2020 2,000.00 1.44 1.44 1.44 13.84
Q2 2020 2,000.00 1.24 1.24 1.24 14.21
Q3 2020 2,000.00 1.16 1.16 1.16 14.67

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Adjusted P/E Price/book
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
Q4 2017 8.16 8.16 1.01
Q1 2018 10.01 10.01 1.20
Q2 2018 11.34 11.34 1.29
Q3 2018 11.89 11.89 1.33
Q4 2018 8.04 11.17 1.20
Q1 2019 9.08 12.49 1.40
Q2 2019 9.18 12.46 1.42
Q3 2019 8.30 11.17 1.30
Q4 2019 13.59 13.59 1.45
Q1 2020 9.50 9.50 0.99
Q2 2020 11.49 11.49 1.00
Q3 2020 13.13 13.13 1.04

Business Segments (Million)

Compared With The
Period Retail Corporate and Institutional Banking Global markets and Treasury Investment Banking and Brokerage Others
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
Q4 2017 611.91 615.33 244.65 43.90 68.86
Q1 2018 567.34 617.26 225.52 44.33 78.71
Q2 2018 582.69 589.89 308.47 60.70 104.50
Q3 2018 614.40 595.99 329.77 43.99 99.78
Q4 2018 692.39 667.69 212.00 59.36 40.05
Q1 2019 618.63 629.79 272.89 22.09 89.75
Q2 2019 703.72 638.40 299.62 27.29 64.92
Q3 2019 729.02 675.54 204.91 24.04 103.21
Q4 2019 698.59 623.91 179.43 47.20 79.90
Q1 2020 646.87 498.49 192.31 65.30 86.65
Q2 2020 575.11 683.98 147.95 40.67 22.02
Q3 2020 536.61 548.89 316.27 41.28 20.78

Analysts Estimates (Million)

Item Q3 2020 (e) Q3 2020 (a) Change‬
Average 534.00 668.60 25.21 %

Estimates vs Actual (Million)

Item Q3 2020 (e) Q3 2020 (a) Change
OSOOL AND BAKHEET 550.00 668.60 21.6 %
Riyad Capital 518.00 668.60 29.1 %

Current
Market Cap (M Riyal) 39,800.00
Shares Outstanding ((M)) 2,000.00
EPS ( Riyal) (TTM) 2.33
EPS Diluted ( Riyal) (TTM) 2.33
Book Value (BV) ( Riyal) 18.19
Par Value ( Riyal) 10.00
Adjusted P/E (Last12) 8.09
P/E (TTM) 8.56
Price/book 1.09
Return on Average Assets (%) (TTM) 2.0
Return on Average Equity (%) (TTM) 13.3

Share Price

19.90
0.40 2.05 %

Arab National Bank (ANB)


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