Arab National Bank (ANB) reported a 20% increase in net profit to SAR 2.46 billion in the first half of 2024, from SAR 2.05 billion in the year-ago period.
Item | 6m 2023 | 6m 2024 | Change |
---|---|---|---|
Net Special Commission Income | 3,527.47 | 3,869.49 | 9.7 % |
Operating Income | 4,112.39 | 4,644.62 | 12.9 % |
Total Provisions | (515.49) | (329.55) | 36.1 % |
Net Income | 2,053.56 | 2,466.40 | 20.1 % |
Average Shares | 2,000.00 | 2,000.00 | - |
EPS (Riyals) | 1.03 | 1.23 | 20.1 % |
EPS Diluted (Riyals) | 1.03 | 1.23 | 20.1 % |
The profit increase was driven by a 9.7% increase in net special commission income due to an 8.6% rise in net loans and advances portfolio and a 7.8% jump in net investments portfolio.
The positive performance was also spurred by higher net fee and commission income, net trading income, dividend income and net gains/ (losses) on FVSI financial instruments and net other operating income. This is in addition to lower net impairment charge for expected credit losses and other provisions, as well as impairment charges on other real estate owned.
However, it was partially offset by the increase in salaries and employee-related expenses, other general and administrative costs, depreciation, amortization and premises related expenses and decrease in net gains/losses on non-trading instruments and net exchange income.
Item | Q2 2023 | Q2 2024 | Change |
---|---|---|---|
Net Special Commission Income | 1,763.50 | 1,941.76 | 10.1 % |
Operating Income | 2,087.78 | 2,335.18 | 11.8 % |
Debt Provisions | (271.66) | (168.98) | 37.8 % |
Net Income | 985.98 | 1,230.85 | 24.8 % |
Average Shares | 2,000.00 | 2,000.00 | - |
EPS (Riyals) | 0.49 | 0.62 | 24.8 % |
EPS Diluted (Riyal) | 0.49 | 0.62 | 24.8 % |
Item | Q1 2024 | Q2 2024 | Change |
---|---|---|---|
Net Special Commission Income | 1,927.73 | 1,941.76 | 0.7 % |
Operating Income | 2,309.44 | 2,335.18 | 1.1 % |
Debt Provisions | (160.57) | (168.98) | (5.2 %) |
Net Income | 1,235.56 | 1,230.85 | (0.4 %) |
Average Shares | 2,000.00 | 2,000.00 | - |
EPS (Riyals) | 0.62 | 0.62 | (0.4 %) |
EPS Diluted (Riyal) | 0.62 | 0.62 | (0.4 %) |
The second-quarter net profit jumped 25% to SAR 1.23 billion from SAR 986 million in Q2 2023.
The lender’s Q2 net profit was almost flat quarter-on-quarter.
Item | 6m 2023 | 6m 2024 | Change |
---|---|---|---|
Assets | 215.98 | 234.75 | 8.7 % |
Customer Deposits | 158.38 | 175.59 | 10.9 % |
Loan | 148.85 | 161.61 | 8.6 % |
Total shareholders’ equity, after minority interest, increased to SAR 36.17 billion as of June 30, 2024, from SAR 33.37 billion a year earlier.
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
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 %) |
Q4 2017 | 1,196.53 | 16.1 % | 1,584.65 | 13.6 % | (377.58) | (42.5 %) |
2017 | 4,664.75 | 12.5 % | 6,377.94 | 8.9 % | (1,148.79) | (58.2 %) |
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 %) |
2018 | 5,151.44 | 10.4 % | 6,534.82 | 2.5 % | (998.32) | 13.1 % |
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 %) |
2019 | 5,552.94 | 7.8 % | 6,732.84 | 3.0 % | (970.60) | 2.8 % |
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 %) |
2020 | 4,868.66 | (12.3 %) | 5,824.24 | (13.5 %) | (1,282.20) | (32.1 %) |
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 % |
Q4 2021 | 1,109.95 | (5.0 %) | 1,333.91 | (4.8 %) | (214.28) | 59.9 % |
2021 | 4,672.03 | (4.0 %) | 5,591.94 | (4.0 %) | (1,030.51) | 19.6 % |
Q1 2022 | 1,184.51 | 0.4 % | 1,454.53 | 2.2 % | (152.01) | 54.6 % |
Q2 2022 | 1,309.80 | 15.9 % | 1,673.62 | 21.2 % | (288.81) | 0.6 % |
Q3 2022 | 1,496.80 | 19.5 % | 1,815.36 | 24.9 % | (166.54) | 12.6 % |
Q4 2022 | 1,645.35 | 48.2 % | 1,918.74 | 43.8 % | (262.14) | (22.3 %) |
2022 | 5,636.45 | 20.6 % | 6,862.24 | 22.7 % | (869.50) | 15.6 % |
Q1 2023 | 1,763.97 | 48.9 % | 2,024.61 | 39.2 % | (243.83) | (60.4 %) |
Q2 2023 | 1,763.50 | 34.6 % | 2,087.78 | 24.7 % | (271.66) | 5.9 % |
Q3 2023 | 1,866.11 | 24.7 % | 2,202.46 | 21.3 % | (239.72) | (43.9 %) |
Q4 2023 | 1,865.00 | 13.4 % | 2,096.38 | 9.3 % | 86.62 | 133.0 % |
2023 | 7,136.99 | 26.6 % | 8,410.80 | 22.6 % | (668.59) | 23.1 % |
Q1 2024 | 1,927.73 | 9.3 % | 2,309.44 | 14.1 % | (160.57) | 34.1 % |
Q2 2024 | 1,941.76 | 10.1 % | 2,335.18 | 11.8 % | (168.98) | 37.8 % |
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
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 %) |
2017 | 4,664.75 | 12.5 % | 6,377.94 | 8.9 % | (1,148.79) | (58.2 %) |
2018 | 5,151.44 | 10.4 % | 6,534.82 | 2.5 % | (998.32) | 13.1 % |
2019 | 5,552.94 | 7.8 % | 6,732.84 | 3.0 % | (970.60) | 2.8 % |
2020 | 4,868.66 | (12.3 %) | 5,824.24 | (13.5 %) | (1,282.20) | (32.1 %) |
2021 | 4,672.03 | (4.0 %) | 5,591.94 | (4.0 %) | (1,030.51) | 19.6 % |
2022 | 5,636.45 | 20.6 % | 6,862.24 | 22.7 % | (869.50) | 15.6 % |
2023 | 7,136.99 | 26.6 % | 8,410.80 | 22.6 % | (668.59) | 23.1 % |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
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 |
Q4 2017 | 634.43 | 12.3 % | 0.32 | - | 634.43 | 0.32 |
2017 | 3,026.97 | 6.1 % | 1.51 | - | 3,026.97 | 1.51 |
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 |
2018 | 3,969.01 | 31.1 % | 1.98 | 1,113.26 | 2,855.75 | 1.43 |
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 |
2019 | 3,023.24 | (23.8 %) | 1.51 | - | 3,023.24 | 1.51 |
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 |
2020 | 2,072.21 | (31.5 %) | 1.04 | - | 2,072.21 | 1.04 |
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 |
Q4 2021 | 456.35 | 66.6 % | 0.23 | 13.81 | 442.54 | 0.22 |
2021 | 2,176.59 | 5.0 % | 1.09 | 172.58 | 2,004.01 | 1.00 |
Q1 2022 | 650.72 | 11.8 % | 0.33 | 36.05 | 614.67 | 0.31 |
Q2 2022 | 707.69 | 49.7 % | 0.35 | - | 707.69 | 0.35 |
Q3 2022 | 921.11 | 38.4 % | 0.46 | - | 921.11 | 0.46 |
Q4 2022 | 790.88 | 73.3 % | 0.40 | - | 790.88 | 0.40 |
2022 | 3,070.41 | 41.1 % | 1.54 | 36.05 | 3,034.36 | 1.52 |
Q1 2023 | 1,067.58 | 64.1 % | 0.53 | 105.88 | 961.71 | 0.48 |
Q2 2023 | 985.98 | 39.3 % | 0.49 | - | 985.98 | 0.49 |
Q3 2023 | 1,076.24 | 16.8 % | 0.54 | - | 1,076.24 | 0.54 |
Q4 2023 | 940.71 | 18.9 % | 0.47 | (272.00) | 1,212.71 | 0.61 |
2023 | 4,070.51 | 32.6 % | 2.04 | (165.69) | 4,236.20 | 2.12 |
Q1 2024 | 1,235.56 | 15.7 % | 0.62 | - | 1,235.56 | 0.62 |
Q2 2024 | 1,230.85 | 24.8 % | 0.62 | - | 1,230.85 | 0.62 |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
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 |
2017 | 3,026.97 | 6.1 % | 1.51 | - | 3,026.97 | 1.51 |
2018 | 3,969.01 | 31.1 % | 1.98 | 1,113.26 | 2,855.75 | 1.43 |
2019 | 3,023.24 | (23.8 %) | 1.51 | - | 3,023.24 | 1.51 |
2020 | 2,072.21 | (31.5 %) | 1.04 | - | 2,072.21 | 1.04 |
2021 | 2,176.59 | 5.0 % | 1.09 | 172.58 | 2,004.01 | 1.00 |
2022 | 3,070.41 | 41.1 % | 1.54 | 36.05 | 3,034.36 | 1.52 |
2023 | 4,070.51 | 32.6 % | 2.04 | (165.69) | 4,236.20 | 2.12 |
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
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 % |
Q4 2017 | 1.77 % | 12.72 % | 73.14 % |
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 % |
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 % |
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 % |
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 % |
Q4 2021 | 1.17 % | 7.16 % | 83.55 % |
2021 | 1.17 % | 7.16 % | 83.55 % |
Q1 2022 | 1.18 % | 7.24 % | 83.17 % |
Q2 2022 | 1.27 % | 8.12 % | 82.10 % |
Q3 2022 | 1.40 % | 8.76 % | 81.26 % |
Q4 2022 | 1.52 % | 9.68 % | 82.14 % |
2022 | 1.52 % | 9.68 % | 82.14 % |
Q1 2023 | 1.67 % | 10.78 % | 83.63 % |
Q2 2023 | 1.77 % | 11.63 % | 85.00 % |
Q3 2023 | 1.84 % | 11.98 % | 85.49 % |
Q4 2023 | 1.88 % | 12.08 % | 86.30 % |
2023 | 1.88 % | 12.08 % | 84.86 % |
Q1 2024 | 1.90 % | 12.50 % | 85.35 % |
Q2 2024 | 1.99 % | 12.83 % | 84.99 % |
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
2014 | 1.90 % | 14.49 % | 65.78 % |
2015 | 1.77 % | 13.95 % | 66.51 % |
2016 | 1.68 % | 12.65 % | 70.81 % |
2017 | 1.77 % | 12.72 % | 73.14 % |
2018 | 2.27 % | 15.60 % | 78.83 % |
2019 | 1.67 % | 11.03 % | 82.48 % |
2020 | 1.14 % | 7.14 % | 83.59 % |
2021 | 1.17 % | 7.16 % | 83.55 % |
2022 | 1.52 % | 9.68 % | 82.14 % |
2023 | 1.88 % | 12.08 % | 84.86 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
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 % |
Q4 2021 | 192.50 | 6.7 % | 135.71 | 4.9 % | 126.67 | 11.7 % |
Q1 2022 | 204.62 | 15.3 % | 148.14 | 18.4 % | 138.64 | 20.0 % |
Q2 2022 | 209.83 | 15.4 % | 146.79 | 12.7 % | 143.06 | 21.4 % |
Q3 2022 | 207.27 | 13.7 % | 147.81 | 14.2 % | 145.47 | 21.2 % |
Q4 2022 | 212.63 | 10.5 % | 154.87 | 14.1 % | 143.83 | 13.5 % |
Q1 2023 | 214.04 | 4.6 % | 155.25 | 4.8 % | 144.73 | 4.4 % |
Q2 2023 | 215.98 | 2.9 % | 158.38 | 7.9 % | 148.85 | 4.1 % |
Q3 2023 | 218.19 | 5.3 % | 154.22 | 4.3 % | 149.37 | 2.7 % |
Q4 2023 | 220.68 | 3.8 % | 165.86 | 7.1 % | 152.24 | 5.8 % |
Q1 2024 | 232.15 | 8.5 % | 174.54 | 12.4 % | 157.88 | 9.1 % |
Q2 2024 | 234.75 | 8.7 % | 175.59 | 10.9 % | 161.61 | 8.6 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
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 % |
12m 2017 | 171.70 | 1.0 % | 136.05 | 0.1 % | 114.54 | (0.8 %) |
3m 2018 | 168.40 | 0.0 % | 130.03 | (1.4 %) | 113.06 | (2.6 %) |
6m 2018 | 167.85 | (1.9 %) | 129.24 | (1.2 %) | 117.49 | 2.3 % |
9m 2018 | 170.03 | 3.9 % | 130.97 | 1.9 % | 120.49 | 3.9 % |
12m 2018 | 178.35 | 3.9 % | 142.06 | 4.4 % | 121.04 | 5.7 % |
3m 2019 | 168.68 | 0.2 % | 130.31 | 0.2 % | 120.19 | 6.3 % |
6m 2019 | 170.90 | 1.8 % | 131.91 | 2.1 % | 119.75 | 1.9 % |
9m 2019 | 170.93 | 0.5 % | 130.92 | 0.0 % | 117.88 | (2.2 %) |
12m 2019 | 183.44 | 2.9 % | 142.13 | 0.1 % | 118.84 | (1.8 %) |
3m 2020 | 184.87 | 9.6 % | 135.98 | 4.4 % | 119.94 | (0.2 %) |
6m 2020 | 187.30 | 9.6 % | 133.90 | 1.5 % | 117.13 | (2.2 %) |
9m 2020 | 188.53 | 10.3 % | 136.72 | 4.4 % | 118.06 | 0.2 % |
12m 2020 | 180.40 | (1.7 %) | 129.35 | (9.0 %) | 113.36 | (4.6 %) |
3m 2021 | 177.44 | (4.0 %) | 125.16 | (8.0 %) | 115.56 | (3.7 %) |
6m 2021 | 181.88 | (2.9 %) | 130.22 | (2.7 %) | 117.83 | 0.6 % |
9m 2021 | 182.27 | (3.3 %) | 129.39 | (5.4 %) | 120.02 | 1.7 % |
12m 2021 | 192.50 | 6.7 % | 135.71 | 4.9 % | 126.67 | 11.7 % |
3m 2022 | 204.62 | 15.3 % | 148.14 | 18.4 % | 138.64 | 20.0 % |
6m 2022 | 209.83 | 15.4 % | 146.79 | 12.7 % | 143.06 | 21.4 % |
9m 2022 | 207.27 | 13.7 % | 147.81 | 14.2 % | 145.47 | 21.2 % |
12m 2022 | 212.63 | 10.5 % | 154.87 | 14.1 % | 143.83 | 13.5 % |
3m 2023 | 214.04 | 4.6 % | 155.25 | 4.8 % | 144.73 | 4.4 % |
6m 2023 | 215.98 | 2.9 % | 158.38 | 7.9 % | 148.85 | 4.1 % |
9m 2023 | 218.19 | 5.3 % | 154.22 | 4.3 % | 149.37 | 2.7 % |
12m 2023 | 220.68 | 3.8 % | 165.86 | 7.1 % | 152.24 | 5.8 % |
3m 2024 | 232.15 | 8.5 % | 174.54 | 12.4 % | 157.88 | 9.1 % |
6m 2024 | 234.75 | 8.7 % | 175.59 | 10.9 % | 161.61 | 8.6 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
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 %) |
2017 | 171.70 | 1.0 % | 136.05 | 0.1 % | 114.54 | (0.8 %) |
2018 | 178.35 | 3.9 % | 142.06 | 4.4 % | 121.04 | 5.7 % |
2019 | 183.44 | 2.9 % | 142.13 | 0.1 % | 118.84 | (1.8 %) |
2020 | 180.40 | (1.7 %) | 129.35 | (9.0 %) | 113.36 | (4.6 %) |
2021 | 192.50 | 6.7 % | 135.71 | 4.9 % | 126.67 | 11.7 % |
2022 | 212.63 | 10.5 % | 154.87 | 14.1 % | 143.83 | 13.5 % |
2023 | 220.68 | 3.8 % | 165.86 | 7.1 % | 152.24 | 5.8 % |
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
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 % |
Q4 2021 | 70.50 % | 65.80 % | 93.34 % |
Q1 2022 | 72.40 % | 67.76 % | 93.59 % |
Q2 2022 | 69.96 % | 68.18 % | 97.45 % |
Q3 2022 | 71.31 % | 70.19 % | 98.42 % |
Q4 2022 | 72.84 % | 67.64 % | 92.87 % |
Q1 2023 | 72.53 % | 67.62 % | 93.22 % |
Q2 2023 | 73.33 % | 68.92 % | 93.99 % |
Q3 2023 | 70.68 % | 68.46 % | 96.86 % |
Q4 2023 | 75.16 % | 68.98 % | 91.78 % |
Q1 2024 | 75.19 % | 68.01 % | 90.45 % |
Q2 2024 | 74.80 % | 68.84 % | 92.04 % |
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
2014 | 78.72 % | 62.99 % | 80.01 % |
2015 | 79.66 % | 67.86 % | 85.19 % |
2016 | 79.94 % | 67.94 % | 84.99 % |
2017 | 79.24 % | 66.71 % | 84.19 % |
2018 | 79.65 % | 67.86 % | 85.20 % |
2019 | 77.48 % | 64.78 % | 83.61 % |
2020 | 71.70 % | 62.84 % | 87.64 % |
2021 | 70.50 % | 65.80 % | 93.34 % |
2022 | 72.84 % | 67.64 % | 92.87 % |
2023 | 75.16 % | 68.98 % | 91.78 % |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
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 |
Q4 2021 | 2,000.00 | 1.09 | 1.00 | 1.09 | 15.55 |
Q1 2022 | 2,000.00 | 1.12 | 1.08 | 1.12 | 16.02 |
Q2 2022 | 2,000.00 | 1.24 | 1.20 | 1.24 | 15.51 |
Q3 2022 | 2,000.00 | 1.37 | 1.34 | 1.37 | 15.87 |
Q4 2022 | 2,000.00 | 1.54 | 1.52 | 1.54 | 16.17 |
Q1 2023 | 2,000.00 | 1.74 | 1.69 | 1.74 | 16.32 |
Q2 2023 | 2,000.00 | 1.88 | 1.83 | 1.88 | 16.86 |
Q3 2023 | 2,000.00 | 1.96 | 1.91 | 1.96 | 16.87 |
Q4 2023 | 2,000.00 | 2.04 | 2.12 | 2.04 | 17.53 |
Q1 2024 | 2,000.00 | 2.12 | 2.26 | 2.12 | 17.58 |
Q2 2024 | 2,000.00 | 2.24 | 2.38 | 2.24 | 18.09 |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
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 |
2017 | 2,000.00 | 1.51 | 1.51 | - | 12.18 |
2018 | 2,000.00 | 1.98 | 1.43 | - | 13.26 |
2019 | 2,000.00 | 1.51 | 1.51 | 1.51 | 14.15 |
2020 | 2,000.00 | 1.04 | 1.04 | 1.04 | 14.87 |
2021 | 2,000.00 | 1.09 | 1.00 | 1.09 | 15.55 |
2022 | 2,000.00 | 1.54 | 1.52 | 1.54 | 16.17 |
2023 | 2,000.00 | 2.04 | 2.12 | 2.04 | 17.53 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
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 |
Q4 2021 | 15.75 | 17.10 | 1.10 |
Q1 2022 | 18.56 | 19.21 | 1.30 |
Q2 2022 | 17.83 | 18.39 | 1.43 |
Q3 2022 | 16.85 | 17.16 | 1.45 |
Q4 2022 | 15.65 | 15.84 | 1.49 |
Q1 2023 | 11.09 | 11.44 | 1.19 |
Q2 2023 | 10.49 | 10.80 | 1.17 |
Q3 2023 | 9.18 | 9.43 | 1.07 |
Q4 2023 | 9.32 | 8.95 | 1.08 |
Q1 2024 | 10.33 | 9.71 | 1.24 |
Q2 2024 | 9.04 | 8.52 | 1.12 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
2014 | 10.60 | 10.60 | 1.48 |
2015 | 7.94 | 7.94 | 1.08 |
2016 | 7.74 | 7.74 | 0.95 |
2017 | 8.16 | 8.16 | 1.01 |
2018 | 8.04 | 11.17 | 1.20 |
2019 | 13.59 | 13.59 | 1.45 |
2020 | 14.54 | 14.54 | 1.01 |
2021 | 15.75 | 17.10 | 1.10 |
2022 | 15.65 | 15.84 | 1.49 |
2023 | 9.32 | 8.95 | 1.08 |
Q2 2024
2024
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Investment Banking and Brokerage | Others |
---|---|---|---|---|---|
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 |
Q4 2021 | 493.78 | 469.71 | 350.14 | 55.70 | (21.62) |
Q1 2022 | 484.24 | 509.61 | 387.20 | 56.28 | 17.22 |
Q2 2022 | 550.13 | 600.42 | 444.90 | 66.89 | 11.28 |
Q3 2022 | 595.80 | 753.44 | 234.28 | 115.14 | 116.70 |
Q4 2022 | 664.18 | 769.65 | 276.86 | 85.85 | 122.20 |
Q1 2023 | 904.91 | 891.41 | 244.10 | 72.60 | 67.47 |
Q2 2023 | 975.44 | 796.62 | 159.15 | 108.15 | 48.43 |
Q3 2023 | 1,155.37 | 723.45 | 151.98 | 85.40 | 86.26 |
Q4 2023 | 1,109.33 | 762.37 | 22.56 | 118.75 | 83.37 |
Q1 2024 | 1,113.87 | 939.46 | 139.74 | 116.51 | (0.13) |
Q2 2024 | 1,132.75 | 902.82 | 210.03 | 142.98 | (53.39) |
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Investment Banking and Brokerage | Others |
---|---|---|---|---|---|
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 |
2017 | 2,389.85 | 2,443.90 | 1,137.28 | 167.67 | 239.25 |
2018 | 2,456.82 | 2,470.83 | 1,075.77 | 208.38 | 323.03 |
2019 | 2,749.95 | 2,567.63 | 956.85 | 120.63 | 337.78 |
2020 | 2,207.62 | 2,293.68 | 977.62 | 193.34 | 151.98 |
2021 | 1,971.46 | 1,946.26 | 1,577.33 | 177.93 | 91.55 |
2022 | 2,294.34 | 2,633.11 | 1,343.24 | 324.16 | 267.40 |
2023 | 4,145.05 | 3,173.85 | 577.79 | 384.90 | 285.52 |
Item | Q2 2024 (e) | Q2 2024 (a) | Change |
---|---|---|---|
Average | 1,232.02 | 1,230.85 | (0.1 %) |
Item | Q2 2024 (e) | Q2 2024 (a) | Change |
---|---|---|---|
FAB Securities | 1,251.00 | 1,230.85 | (1.6) % |
Sico | 1,254.00 | 1,230.85 | (1.8) % |
Riyad Capital | 1,276.00 | 1,230.85 | (3.5) % |
OSOOL AND BAKHEET | 1,147.08 | 1,230.85 | 7.3 % |
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 |
Argaam Investment Company has updated the Privacy Policy of its services and digital platforms. Know more about our Privacy Policy here.
Argaam uses cookies to personalize content, to provide social media features and analyze traffic, that we might also share with third parties. You consent to our cookies if you use this website
Comments {{getCommentCount()}}
Be the first to comment
رد{{comment.DisplayName}} على {{getCommenterName(comment.ParentThreadID)}}
{{comment.DisplayName}}
{{comment.ElapsedTime}}