ANB’s net profit slips 4% to SAR 1.72 bln in 9M 2021

ANB’s net profit slips 4% to SAR 1.72 bln in 9M 2021

25/10/2021 Argaam Exclusive

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Arab National Bank (ANB) reported a net profit of SAR 1.72 billion for the first nine months of 2021, down 4% from SAR 1.798 billion a year earlier.



Financials (M)

Item 9m 2020 9m 2021 Change‬
Net Special Commission Income 3,700.45 3,562.08 (3.7 %)
Operating Income 4,423.17 4,258.02 (3.7 %)
Total Provisions (747.46) (816.23) (9.2 %)
Net Income 1,798.34 1,720.25 (4.3 %)
Average Shares 2,000.00 2,000.00 -
EPS (Riyals) 0.90 0.86 (4.3 %)
EPS Diluted (Riyals) 0.90 0.86 (4.3 %)

The decline was attributed to a decrease in net special commission income and an increase in impairment charges for expected credit losses and for other financial assets. It was offset by an increase in realized and unrealized gains on investments and earnings from associates.



Current Quarter Comparison (M)

Compared With The
Item Q3 2020 Q3 2021 Change‬
Net Special Commission Income 1,210.64 1,252.35 3.4 %
Operating Income 1,463.83 1,453.66 (0.7 %)
Debt Provisions (203.68) (190.54) 6.5 %
Net Income 668.60 665.35 (0.5 %)
Average Shares 2,000.00 2,000.00 -
EPS (Riyals) 0.33 0.33 (0.5 %)
EPS Diluted (Riyal) 0.33 0.33 (0.5 %)

The Q3 2021 net profit slipped 1% year-on-year (YoY) to SAR 665 million, due to increases in salaries and employee-related expenses, along with higher general and administrative expenses.

 

On a sequential basis, Q3 net profit jumped 40.7% from SAR 472.76 million.

 

Shareholders’ equity, after minority interest, increased to SAR 30.744 billion as of Sept. 30, 2021, from SAR 29.339 billion a year earlier.

Balance Sheet (B)

Item 9m 2020 9m 2021 Change‬
Assets 188.53 182.27 (3.3 %)
Customer Deposits 136.72 129.39 (5.4 %)
Loan 118.06 120.02 1.7 %


Financial results (Million)

Period Net Special Commission Income Change Operating Income Change Debt Provisions Change
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 %
Q4 2020 1,168.21 (12.8 %) 1,401.07 (14.0 %) (534.74) (25.9 %)
Q1 2021 1,179.55 (8.6 %) 1,423.15 (4.5 %) (335.01) (68.9 %)
Q2 2021 1,130.18 (5.7 %) 1,381.21 (6.0 %) (290.67) 15.9 %
Q3 2021 1,252.35 3.4 % 1,453.66 (0.7 %) (190.54) 6.5 %


Profit Performance (Million)

Period Net Income Change EPS(Riyal) Extraordinary Income/Expense Net Profit Before Unusual Items EPS Before XO Items
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
Q4 2020 273.87 (46.8 %) 0.14 - 273.87 0.14
Q1 2021 582.23 (9.6 %) 0.29 133.20 449.03 0.22
Q2 2021 472.76 (2.7 %) 0.24 - 472.76 0.24
Q3 2021 665.35 (0.5 %) 0.33 25.57 639.78 0.32

Profitability

Period Return On Average Assets Return on Average Equity Net Interest Income/Total Operating Income
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 %
Q4 2020 1.14 % 7.14 % 83.59 %
Q1 2021 1.11 % 6.97 % 82.63 %
Q2 2021 1.08 % 6.83 % 82.70 %
Q3 2021 1.08 % 6.64 % 83.59 %

Balance Sheet (B)

Period Assets Change Customer Deposits Change Loan Change
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 %
Q4 2020 180.40 (1.7 %) 129.35 (9.0 %) 113.36 (4.6 %)
Q1 2021 177.44 (4.0 %) 125.16 (8.0 %) 115.56 (3.7 %)
Q2 2021 181.88 (2.9 %) 130.22 (2.7 %) 117.83 0.6 %
Q3 2021 182.27 (3.3 %) 129.39 (5.4 %) 120.02 1.7 %

Ratios

Period Customer Deposits Per Total Assets Loans and advances/Total assets Loans and advances/Customers Deposits
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 %
Q4 2020 71.70 % 62.84 % 87.64 %
Q1 2021 70.54 % 65.13 % 92.33 %
Q2 2021 71.60 % 64.79 % 90.49 %
Q3 2021 70.99 % 65.84 % 92.75 %


Per Share Data (Riyal)

Compared With The
Period Shares Outstanding (M) EPS (Riyal) Adjusted EPS (Riyal) EPS Diluted (Riyal) Book Value (BV)
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
Q4 2020 2,000.00 1.04 1.04 1.04 14.87
Q1 2021 2,000.00 1.01 0.94 1.01 14.99
Q2 2021 2,000.00 1.00 0.93 1.00 15.02
Q3 2021 2,000.00 1.00 0.92 1.00 15.37

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Adjusted P/E Price/book
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
Q4 2020 14.54 14.54 1.01
Q1 2021 15.57 16.68 1.04
Q2 2021 17.04 18.26 1.13
Q3 2021 17.26 18.76 1.12

Business Segments (Million)

Compared With The
Period Retail Corporate and Institutional Banking Global markets and Treasury Investment Banking and Brokerage Others
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
Q4 2020 449.02 562.33 321.10 46.09 22.53
Q1 2021 450.05 459.19 529.49 40.37 77.25
Q2 2021 514.06 446.33 347.23 45.53 28.06
Q3 2021 513.57 571.02 350.46 36.33 7.85

Analysts Estimates (Million)

Item Q3 2021 (e) Q3 2021 (a) Change‬
Average 562.15 665.35 18.36 %

Estimates vs Actual (Million)

Item Q3 2021 (e) Q3 2021 (a) Change
CI Capital 677.00 665.35 (1.7) %
Hermes 531.00 665.35 25.3 %
OSOOL AND BAKHEET 523.60 665.35 27.1 %
Riyad Capital 517.00 665.35 28.7 %

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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