Bank AlJazira posted a net profit of SAR 374.9 million for the first quarter of 2022, a rise of 17%, compared to a net profit of SAR 321.6 million in the prior-year period.
Item | Q1 2021 | Q1 2022 | Change |
---|---|---|---|
Net Special Commission Income | 643.78 | 728.60 | 13.2 % |
Operating Income | 945.44 | 934.76 | (1.1 %) |
Debt Provisions | (152.81) | (94.01) | 38.5 % |
Net Income | 321.59 | 374.85 | 16.6 % |
Average Shares | 1,025.00 | 1,025.00 | - |
EPS (Riyals) | 0.31 | 0.37 | 16.6 % |
EPS Diluted (Riyal) | 0.31 | 0.35 | 11.9 % |
Item | Q4 2021 | Q1 2022 | Change |
---|---|---|---|
Net Special Commission Income | 768.17 | 728.60 | (5.2 %) |
Operating Income | 895.03 | 934.76 | 4.4 % |
Debt Provisions | (155.35) | (94.01) | 39.5 % |
Net Income | 228.80 | 374.85 | 63.8 % |
Average Shares | 1,025.00 | 1,025.00 | - |
EPS (Riyals) | 0.22 | 0.37 | 63.8 % |
EPS Diluted (Riyal) | 0.22 | 0.35 | 57.7 % |
The net profit rose mainly due to a 38% year-on-year (YoY) decrease in net impairment charge for financing and other financial assets and a 4% YoY increase in operating income.
The increase in operating income was driven by a rise in net financing and investment income, other operating income and net gains on derecognition of financial assets at fair value through other comprehensive income (FVOCI) against a decrease in net gains on derecognition of financial assets at amortized cost, net fees from banking services and net gains on FVIS financial instruments.
Meanwhile, total operating expenses without impairment charge increased by 10% YoY mainly due to an increase in general and administrative expenses, along with a rise in salaries and employee-related expenses.
The bank also noted a decrease in depreciation and amortization expenses and other operating expenses.
Item | 3m 2021 | 3m 2022 | Change |
---|---|---|---|
Assets | 94.58 | 104.26 | 10.2 % |
Customer Deposits | 70.68 | 79.28 | 12.2 % |
Loan | 55.17 | 63.20 | 14.6 % |
Compared to the previous quarter, the net profit jumped 63.9% from SAR 228.8 million in Q4 2021.
Shareholders’ equity, excluding minority interest, edged up 18.2% to SAR 11.982 billion by the end of Q1 2022, compared to SAR 11.726 billion in the year-ago period.
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
Q1 2013 | 265.70 | 21.5 % | 442.62 | 4.0 % | (55.48) | (16.3 %) |
Q2 2013 | 301.98 | 25.3 % | 448.47 | 9.8 % | (31.05) | 45.3 % |
Q3 2013 | 323.13 | 32.1 % | 471.88 | 20.4 % | 2.93 | 108.2 % |
Q4 2013 | 332.14 | 34.7 % | 476.34 | 28.3 % | (52.74) | (63.4 %) |
2013 | 1,222.95 | 28.6 % | 1,839.31 | 15.1 % | (136.34) | 21.0 % |
Q1 2014 | 321.65 | 21.1 % | 510.06 | 15.2 % | (65.38) | (17.8 %) |
Q2 2014 | 356.29 | 18.0 % | 557.72 | 24.4 % | (91.18) | (193.6 %) |
Q3 2014 | 377.60 | 16.9 % | 582.83 | 23.5 % | (211.19) | (7312.6 %) |
Q4 2014 | 389.54 | 17.3 % | 545.87 | 14.6 % | (15.36) | 70.9 % |
2014 | 1,445.08 | 18.2 % | 2,196.47 | 19.4 % | (383.11) | (181.0 %) |
Q1 2015 | 396.23 | 23.2 % | 624.38 | 22.4 % | (36.68) | 43.9 % |
Q2 2015 | 403.41 | 13.2 % | 611.63 | 9.7 % | (68.47) | 24.9 % |
Q3 2015 | 410.50 | 8.7 % | 532.05 | (8.7 %) | 39.81 | 118.9 % |
Q4 2015 | 390.40 | 0.2 % | 580.82 | 6.4 % | 12.27 | 179.9 % |
2015 | 1,600.54 | 10.8 % | 2,348.87 | 6.9 % | (53.06) | 86.1 % |
Q1 2016 | 370.10 | (6.6 %) | 564.65 | (9.6 %) | (27.72) | 24.4 % |
Q2 2016 | 384.52 | (4.7 %) | 579.86 | (5.2 %) | (30.67) | 55.2 % |
Q3 2016 | 407.21 | (0.8 %) | 575.36 | 8.1 % | (28.63) | (171.9 %) |
Q4 2016 | 404.66 | 3.7 % | 544.05 | (6.3 %) | (38.19) | (411.2 %) |
2016 | 1,566.48 | (2.1 %) | 2,263.92 | (3.6 %) | (125.21) | (136.0 %) |
Q1 2017 | 433.98 | 17.3 % | 617.30 | 9.3 % | (46.81) | (68.8 %) |
Q2 2017 | 453.44 | 17.9 % | 645.11 | 11.3 % | (61.94) | (101.9 %) |
Q3 2017 | 470.08 | 15.4 % | 669.25 | 16.3 % | (85.43) | (198.4 %) |
Q4 2017 | 460.11 | 13.7 % | 648.08 | 19.1 % | (72.97) | (91.1 %) |
2017 | 1,817.61 | 16.0 % | 2,579.74 | 14.0 % | (267.15) | (113.4 %) |
Q1 2018 | 457.74 | 5.5 % | 646.11 | 4.7 % | (17.10) | 63.5 % |
Q2 2018 | 479.70 | 5.8 % | 672.23 | 4.2 % | (39.22) | 36.7 % |
Q3 2018 | 478.61 | 1.8 % | 665.81 | (0.5 %) | (22.60) | 73.5 % |
Q4 2018 | 487.98 | 6.1 % | 680.59 | 5.0 % | (27.88) | 61.8 % |
2018 | 1,904.03 | 4.8 % | 2,664.75 | 3.3 % | (106.80) | 60.0 % |
Q1 2019 | 489.13 | 6.9 % | 695.83 | 7.7 % | (26.00) | (52.1 %) |
Q2 2019 | 502.23 | 4.7 % | 714.40 | 6.3 % | (12.82) | 67.3 % |
Q3 2019 | 517.66 | 8.2 % | 749.62 | 12.6 % | (40.35) | (78.5 %) |
Q4 2019 | 543.14 | 11.3 % | 817.31 | 20.1 % | (77.78) | (179.0 %) |
2019 | 2,052.16 | 7.8 % | 2,977.16 | 11.7 % | (156.95) | (47.0 %) |
Q1 2020 | 545.14 | 11.4 % | 768.92 | 10.5 % | (121.96) | (369.0 %) |
Q2 2020 | 596.66 | 18.8 % | 789.41 | 10.5 % | (173.04) | (1,249.4 %) |
Q3 2020 | 616.78 | 19.1 % | 811.90 | 8.3 % | (180.08) | (346.3 %) |
Q4 2020 | 631.80 | 16.3 % | 916.94 | 12.2 % | (1,100.67) | (1,315.2 %) |
2020 | 2,390.34 | 16.5 % | 3,287.12 | 10.4 % | (1,575.74) | (904.0 %) |
Q1 2021 | 643.78 | 18.1 % | 945.44 | 23.0 % | (152.81) | (25.3 %) |
Q2 2021 | 631.51 | 5.8 % | 828.44 | 4.9 % | (157.94) | 8.7 % |
Q3 2021 | 673.68 | 9.2 % | 878.26 | 8.2 % | (158.46) | 12.0 % |
Q4 2021 | 768.17 | 21.6 % | 895.03 | (2.4 %) | (155.35) | 85.9 % |
2021 | 2,717.14 | 13.7 % | 3,547.17 | 7.9 % | (624.57) | 60.4 % |
Q1 2022 | 728.60 | 13.2 % | 934.76 | (1.1 %) | (94.01) | 38.5 % |
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
2012 | 950.88 | 21.7 % | 1,597.58 | 32.2 % | (172.48) | (145.2 %) |
2013 | 1,222.95 | 28.6 % | 1,839.31 | 15.1 % | (136.34) | 21.0 % |
2014 | 1,445.08 | 18.2 % | 2,196.47 | 19.4 % | (383.11) | (181.0 %) |
2015 | 1,600.54 | 10.8 % | 2,348.87 | 6.9 % | (53.06) | 86.1 % |
2016 | 1,566.48 | (2.1 %) | 2,263.92 | (3.6 %) | (125.21) | (136.0 %) |
2017 | 1,817.61 | 16.0 % | 2,579.74 | 14.0 % | (267.15) | (113.4 %) |
2018 | 1,904.03 | 4.8 % | 2,664.75 | 3.3 % | (106.80) | 60.0 % |
2019 | 2,052.16 | 7.8 % | 2,977.16 | 11.7 % | (156.95) | (47.0 %) |
2020 | 2,390.34 | 16.5 % | 3,287.12 | 10.4 % | (1,575.74) | (904.0 %) |
2021 | 2,717.14 | 13.7 % | 3,547.17 | 7.9 % | (624.57) | 60.4 % |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
Q1 2013 | 144.24 | 0.8 % | 0.20 | - | 144.24 | 0.20 |
Q2 2013 | 167.39 | 29.6 % | 0.24 | - | 167.39 | 0.24 |
Q3 2013 | 188.68 | 44.6 % | 0.27 | - | 188.68 | 0.27 |
Q4 2013 | 150.32 | 53.7 % | 0.21 | - | 150.32 | 0.21 |
2013 | 650.63 | 30.0 % | 0.92 | - | 650.63 | 0.92 |
Q1 2014 | 159.33 | 10.5 % | 0.22 | 7.36 | 151.97 | 0.21 |
Q2 2014 | 166.71 | (0.4 %) | 0.23 | 11.44 | 155.28 | 0.22 |
Q3 2014 | 47.24 | (75.0 %) | 0.07 | - | 47.24 | 0.07 |
Q4 2014 | 199.19 | 32.5 % | 0.28 | 10.98 | 188.21 | 0.27 |
2014 | 572.47 | (12.0 %) | 0.81 | 29.77 | 542.70 | 0.76 |
Q1 2015 | 227.00 | 42.5 % | 0.32 | - | 227.00 | 0.32 |
Q2 2015 | 735.75 | 341.3 % | 1.04 | 572.65 | 163.10 | 0.23 |
Q3 2015 | 165.74 | 250.9 % | 0.23 | - | 165.74 | 0.23 |
Q4 2015 | 158.63 | (20.4 %) | 0.22 | - | 158.63 | 0.22 |
2015 | 1,287.12 | 124.8 % | 1.81 | 572.65 | 714.47 | 1.01 |
Q1 2016 | 381.31 | 68.0 % | 0.54 | 208.60 | 172.71 | 0.24 |
Q2 2016 | 177.52 | (75.9 %) | 0.25 | - | 177.52 | 0.25 |
Q3 2016 | 160.69 | (3.0 %) | 0.23 | - | 160.69 | 0.23 |
Q4 2016 | 152.43 | (3.9 %) | 0.21 | - | 152.43 | 0.21 |
2016 | 871.94 | (32.3 %) | 1.23 | 208.60 | 663.34 | 0.94 |
Q1 2017 | 215.97 | (43.4 %) | 0.30 | - | 215.97 | 0.30 |
Q2 2017 | 220.16 | 24.0 % | 0.31 | - | 220.16 | 0.31 |
Q3 2017 | 227.63 | 41.7 % | 0.32 | - | 227.63 | 0.32 |
Q4 2017 | 193.75 | 27.1 % | 0.27 | - | 193.75 | 0.27 |
2017 | 857.51 | (1.7 %) | 1.21 | - | 857.51 | 1.21 |
Q1 2018 | 236.59 | 9.5 % | 0.33 | - | 236.59 | 0.33 |
Q2 2018 | 244.17 | 10.9 % | 0.24 | - | 244.17 | 0.24 |
Q3 2018 | 247.36 | 8.7 % | 0.24 | - | 247.36 | 0.24 |
Q4 2018 | (349.84) | (280.6 %) | (0.34) | (551.50) | 201.66 | 0.20 |
2018 | 378.28 | (55.9 %) | 0.37 | (551.50) | 929.78 | 0.91 |
Q1 2019 | 235.01 | (0.7 %) | 0.23 | - | 235.01 | 0.23 |
Q2 2019 | 251.82 | 3.1 % | 0.25 | - | 251.82 | 0.25 |
Q3 2019 | 256.87 | 3.8 % | 0.25 | - | 256.87 | 0.25 |
Q4 2019 | 247.33 | 170.7 % | 0.24 | - | 247.33 | 0.24 |
2019 | 991.02 | 162.0 % | 0.97 | - | 991.02 | 0.97 |
Q1 2020 | 181.61 | (22.7 %) | 0.18 | - | 181.61 | 0.18 |
Q2 2020 | 165.77 | (34.2 %) | 0.16 | - | 165.77 | 0.16 |
Q3 2020 | 181.63 | (29.3 %) | 0.18 | - | 181.63 | 0.18 |
Q4 2020 | (495.22) | (300.2 %) | (0.48) | - | (495.22) | (0.48) |
2020 | 33.75 | (96.6 %) | 0.03 | - | 33.75 | 0.03 |
Q1 2021 | 321.59 | 77.1 % | 0.31 | - | 321.59 | 0.31 |
Q2 2021 | 251.16 | 51.5 % | 0.25 | 39.39 | 211.77 | 0.21 |
Q3 2021 | 204.53 | 12.6 % | 0.20 | (42.57) | 247.10 | 0.24 |
Q4 2021 | 228.80 | 146.2 % | 0.22 | (4.34) | 233.14 | 0.23 |
2021 | 1,006.08 | 2880.6 % | 0.98 | (7.52) | 1,013.60 | 0.99 |
Q1 2022 | 374.85 | 16.6 % | 0.37 | 51.41 | 323.44 | 0.32 |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
2012 | 500.48 | 65.3 % | 0.71 | - | 500.48 | 0.71 |
2013 | 650.63 | 30.0 % | 0.92 | - | 650.63 | 0.92 |
2014 | 572.47 | (12.0 %) | 0.81 | 29.77 | 542.70 | 0.76 |
2015 | 1,287.12 | 124.8 % | 1.81 | 572.65 | 714.47 | 1.01 |
2016 | 871.94 | (32.3 %) | 1.23 | 208.60 | 663.34 | 0.94 |
2017 | 857.51 | (1.7 %) | 1.21 | - | 857.51 | 1.21 |
2018 | 378.28 | (55.9 %) | 0.37 | (551.50) | 929.78 | 0.91 |
2019 | 991.02 | 162.0 % | 0.97 | - | 991.02 | 0.97 |
2020 | 33.75 | (96.6 %) | 0.03 | - | 33.75 | 0.03 |
2021 | 1,006.08 | 2880.6 % | 0.98 | (7.52) | 1,013.60 | 0.99 |
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
Q1 2013 | 1.03 % | 9.93 % | 61.81 % |
Q2 2013 | 1.04 % | 10.60 % | 64.00 % |
Q3 2013 | 1.16 % | 11.42 % | 65.58 % |
Q4 2013 | 1.17 % | 12.12 % | 66.49 % |
2013 | 1.17 % | 12.12 % | 66.49 % |
Q1 2014 | 1.16 % | 12.08 % | 67.07 % |
Q2 2014 | 1.09 % | 11.71 % | 66.13 % |
Q3 2014 | 0.86 % | 9.04 % | 65.24 % |
Q4 2014 | 0.90 % | 9.63 % | 65.79 % |
2014 | 0.90 % | 9.63 % | 65.79 % |
Q1 2015 | 0.98 % | 10.52 % | 65.76 % |
Q2 2015 | 1.81 % | 18.43 % | 66.26 % |
Q3 2015 | 1.98 % | 20.04 % | 69.13 % |
Q4 2015 | 1.98 % | 18.97 % | 68.14 % |
2015 | 1.98 % | 18.97 % | 68.14 % |
Q1 2016 | 2.14 % | 20.71 % | 68.78 % |
Q2 2016 | 1.30 % | 11.89 % | 68.91 % |
Q3 2016 | 1.31 % | 11.70 % | 67.47 % |
Q4 2016 | 1.35 % | 11.24 % | 69.19 % |
2016 | 1.35 % | 11.24 % | 69.19 % |
Q1 2017 | 1.08 % | 8.87 % | 70.38 % |
Q2 2017 | 1.11 % | 9.34 % | 71.34 % |
Q3 2017 | 1.22 % | 9.95 % | 71.18 % |
Q4 2017 | 1.27 % | 10.13 % | 70.46 % |
2017 | 1.27 % | 10.13 % | 70.46 % |
Q1 2018 | 1.32 % | 10.46 % | 70.59 % |
Q2 2018 | 1.32 % | 9.15 % | 70.86 % |
Q3 2018 | 1.32 % | 9.10 % | 71.28 % |
Q4 2018 | 0.54 % | 3.77 % | 71.45 % |
2018 | 0.54 % | 3.77 % | 71.45 % |
Q1 2019 | 0.53 % | 3.77 % | 71.30 % |
Q2 2019 | 0.52 % | 3.39 % | 71.03 % |
Q3 2019 | 0.52 % | 3.43 % | 70.31 % |
Q4 2019 | 1.24 % | 8.68 % | 68.93 % |
2019 | 1.24 % | 8.68 % | 68.93 % |
Q1 2020 | 1.15 % | 8.09 % | 69.11 % |
Q2 2020 | 1.01 % | 7.42 % | 70.48 % |
Q3 2020 | 0.90 % | 6.72 % | 72.21 % |
Q4 2020 | 0.04 % | 0.29 % | 72.72 % |
2020 | 0.04 % | 0.29 % | 72.72 % |
Q1 2021 | 0.19 % | 1.49 % | 71.86 % |
Q2 2021 | 0.28 % | 2.20 % | 72.05 % |
Q3 2021 | 0.30 % | 2.39 % | 72.31 % |
Q4 2021 | 1.03 % | 8.60 % | 76.60 % |
2021 | 1.03 % | 8.60 % | 76.60 % |
Q1 2022 | 1.07 % | 8.96 % | 79.23 % |
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
2012 | 1.12 % | 10.27 % | 59.52 % |
2013 | 1.17 % | 12.12 % | 66.49 % |
2014 | 0.90 % | 9.63 % | 65.79 % |
2015 | 1.98 % | 18.97 % | 68.14 % |
2016 | 1.35 % | 11.24 % | 69.19 % |
2017 | 1.27 % | 10.13 % | 70.46 % |
2018 | 0.54 % | 3.77 % | 71.45 % |
2019 | 1.24 % | 8.68 % | 68.93 % |
2020 | 0.04 % | 0.29 % | 72.72 % |
2021 | 1.03 % | 8.60 % | 76.60 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
Q1 2013 | 54.14 | 25.6 % | 41.42 | 19.7 % | 32.41 | 29.3 % |
Q2 2013 | 56.25 | 19.4 % | 45.20 | 21.3 % | 33.31 | 22.3 % |
Q3 2013 | 55.53 | 16.1 % | 45.55 | 15.6 % | 35.39 | 25.0 % |
Q4 2013 | 59.98 | 18.1 % | 48.08 | 18.2 % | 34.99 | 17.1 % |
Q1 2014 | 60.64 | 12.0 % | 48.47 | 17.0 % | 36.68 | 13.2 % |
Q2 2014 | 65.80 | 17.0 % | 51.84 | 14.7 % | 38.97 | 17.0 % |
Q3 2014 | 65.63 | 18.2 % | 53.71 | 17.9 % | 40.25 | 13.7 % |
Q4 2014 | 66.55 | 11.0 % | 54.57 | 13.5 % | 41.24 | 17.9 % |
Q1 2015 | 69.37 | 14.4 % | 55.42 | 14.3 % | 40.87 | 11.4 % |
Q2 2015 | 67.63 | 2.8 % | 55.96 | 8.0 % | 42.40 | 8.8 % |
Q3 2015 | 68.31 | 4.1 % | 56.00 | 4.3 % | 42.21 | 4.9 % |
Q4 2015 | 63.26 | (4.9 %) | 49.77 | (8.8 %) | 42.17 | 2.3 % |
Q1 2016 | 65.62 | (5.4 %) | 50.66 | (8.6 %) | 43.32 | 6.0 % |
Q2 2016 | 68.27 | 0.9 % | 50.73 | (9.3 %) | 44.21 | 4.3 % |
Q3 2016 | 65.95 | (3.4 %) | 50.33 | (10.1 %) | 43.19 | 2.3 % |
Q4 2016 | 66.32 | 4.8 % | 51.60 | 3.7 % | 42.10 | (0.2 %) |
Q1 2017 | 65.11 | (0.8 %) | 49.81 | (1.7 %) | 41.33 | (4.6 %) |
Q2 2017 | 67.00 | (1.9 %) | 49.17 | (3.1 %) | 40.97 | (7.3 %) |
Q3 2017 | 67.53 | 2.4 % | 49.68 | (1.3 %) | 40.93 | (5.3 %) |
Q4 2017 | 68.29 | 3.0 % | 50.28 | (2.6 %) | 39.79 | (5.5 %) |
Q1 2018 | 67.98 | 4.4 % | 50.59 | 1.6 % | 39.14 | (5.3 %) |
Q2 2018 | 69.76 | 4.1 % | 47.77 | (2.9 %) | 39.84 | (2.8 %) |
Q3 2018 | 71.73 | 6.2 % | 50.21 | 1.1 % | 40.26 | (1.6 %) |
Q4 2018 | 73.00 | 6.9 % | 51.80 | 3.0 % | 40.90 | 2.8 % |
Q1 2019 | 73.93 | 8.8 % | 51.43 | 1.7 % | 42.13 | 7.6 % |
Q2 2019 | 77.01 | 10.4 % | 55.68 | 16.6 % | 43.60 | 9.4 % |
Q3 2019 | 80.61 | 12.4 % | 59.05 | 17.6 % | 44.53 | 10.6 % |
Q4 2019 | 86.54 | 18.5 % | 62.70 | 21.0 % | 49.66 | 21.4 % |
Q1 2020 | 89.73 | 21.4 % | 62.67 | 21.8 % | 51.98 | 23.4 % |
Q2 2020 | 91.87 | 19.3 % | 63.66 | 14.3 % | 53.76 | 23.3 % |
Q3 2020 | 91.91 | 14.0 % | 62.98 | 6.6 % | 54.14 | 21.6 % |
Q4 2020 | 92.09 | 6.4 % | 68.00 | 8.5 % | 53.96 | 8.7 % |
Q1 2021 | 94.58 | 5.4 % | 70.68 | 12.8 % | 55.17 | 6.1 % |
Q2 2021 | 95.90 | 4.4 % | 70.69 | 11.0 % | 56.90 | 5.8 % |
Q3 2021 | 98.58 | 7.3 % | 74.26 | 17.9 % | 58.44 | 7.9 % |
Q4 2021 | 102.83 | 11.7 % | 78.37 | 15.2 % | 62.43 | 15.7 % |
Q1 2022 | 104.26 | 10.2 % | 79.28 | 12.2 % | 63.20 | 14.6 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
3m 2013 | 54.14 | 25.6 % | 41.42 | 19.7 % | 32.41 | 29.3 % |
6m 2013 | 56.25 | 19.4 % | 45.20 | 21.3 % | 33.31 | 22.3 % |
9m 2013 | 55.53 | 16.1 % | 45.55 | 15.6 % | 35.39 | 25.0 % |
12m 2013 | 59.98 | 18.1 % | 48.08 | 18.2 % | 34.99 | 17.1 % |
3m 2014 | 60.64 | 12.0 % | 48.47 | 17.0 % | 36.68 | 13.2 % |
6m 2014 | 65.80 | 17.0 % | 51.84 | 14.7 % | 38.97 | 17.0 % |
9m 2014 | 65.63 | 18.2 % | 53.71 | 17.9 % | 40.25 | 13.7 % |
12m 2014 | 66.55 | 11.0 % | 54.57 | 13.5 % | 41.24 | 17.9 % |
3m 2015 | 69.37 | 14.4 % | 55.42 | 14.3 % | 40.87 | 11.4 % |
6m 2015 | 67.63 | 2.8 % | 55.96 | 8.0 % | 42.40 | 8.8 % |
9m 2015 | 68.31 | 4.1 % | 56.00 | 4.3 % | 42.21 | 4.9 % |
12m 2015 | 63.26 | (4.9 %) | 49.77 | (8.8 %) | 42.17 | 2.3 % |
3m 2016 | 65.62 | (5.4 %) | 50.66 | (8.6 %) | 43.32 | 6.0 % |
6m 2016 | 68.27 | 0.9 % | 50.73 | (9.3 %) | 44.21 | 4.3 % |
9m 2016 | 65.95 | (3.4 %) | 50.33 | (10.1 %) | 43.19 | 2.3 % |
12m 2016 | 66.32 | 4.8 % | 51.60 | 3.7 % | 42.10 | (0.2 %) |
3m 2017 | 65.11 | (0.8 %) | 49.81 | (1.7 %) | 41.33 | (4.6 %) |
6m 2017 | 67.00 | (1.9 %) | 49.17 | (3.1 %) | 40.97 | (7.3 %) |
9m 2017 | 67.53 | 2.4 % | 49.68 | (1.3 %) | 40.93 | (5.3 %) |
12m 2017 | 68.29 | 3.0 % | 50.28 | (2.6 %) | 39.79 | (5.5 %) |
3m 2018 | 67.98 | 4.4 % | 50.59 | 1.6 % | 39.14 | (5.3 %) |
6m 2018 | 69.76 | 4.1 % | 47.77 | (2.9 %) | 39.84 | (2.8 %) |
9m 2018 | 71.73 | 6.2 % | 50.21 | 1.1 % | 40.26 | (1.6 %) |
12m 2018 | 73.00 | 6.9 % | 51.80 | 3.0 % | 40.90 | 2.8 % |
3m 2019 | 73.93 | 8.8 % | 51.43 | 1.7 % | 42.13 | 7.6 % |
6m 2019 | 77.01 | 10.4 % | 55.68 | 16.6 % | 43.60 | 9.4 % |
9m 2019 | 80.61 | 12.4 % | 59.05 | 17.6 % | 44.53 | 10.6 % |
12m 2019 | 86.54 | 18.5 % | 62.70 | 21.0 % | 49.66 | 21.4 % |
3m 2020 | 89.73 | 21.4 % | 62.67 | 21.8 % | 51.98 | 23.4 % |
6m 2020 | 91.87 | 19.3 % | 63.66 | 14.3 % | 53.76 | 23.3 % |
9m 2020 | 91.91 | 14.0 % | 62.98 | 6.6 % | 54.14 | 21.6 % |
12m 2020 | 92.09 | 6.4 % | 68.00 | 8.5 % | 53.96 | 8.7 % |
3m 2021 | 94.58 | 5.4 % | 70.68 | 12.8 % | 55.17 | 6.1 % |
6m 2021 | 95.90 | 4.4 % | 70.69 | 11.0 % | 56.90 | 5.8 % |
9m 2021 | 98.58 | 7.3 % | 74.26 | 17.9 % | 58.44 | 7.9 % |
12m 2021 | 102.83 | 11.7 % | 78.37 | 15.2 % | 62.43 | 15.7 % |
3m 2022 | 104.26 | 10.2 % | 79.28 | 12.2 % | 63.20 | 14.6 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
2012 | 50.78 | 30.5 % | 40.68 | 30.5 % | 29.90 | 28.3 % |
2013 | 59.98 | 18.1 % | 48.08 | 18.2 % | 34.99 | 17.1 % |
2014 | 66.55 | 11.0 % | 54.57 | 13.5 % | 41.24 | 17.9 % |
2015 | 63.26 | (4.9 %) | 49.77 | (8.8 %) | 42.17 | 2.3 % |
2016 | 66.32 | 4.8 % | 51.60 | 3.7 % | 42.10 | (0.2 %) |
2017 | 68.29 | 3.0 % | 50.28 | (2.6 %) | 39.79 | (5.5 %) |
2018 | 73.00 | 6.9 % | 51.80 | 3.0 % | 40.90 | 2.8 % |
2019 | 86.54 | 18.5 % | 62.70 | 21.0 % | 49.66 | 21.4 % |
2020 | 92.09 | 6.4 % | 68.00 | 8.5 % | 53.96 | 8.7 % |
2021 | 102.83 | 11.7 % | 78.37 | 15.2 % | 62.43 | 15.7 % |
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
Q1 2013 | 76.51 % | 59.87 % | 78.24 % |
Q2 2013 | 80.35 % | 59.22 % | 73.70 % |
Q3 2013 | 82.03 % | 63.74 % | 77.70 % |
Q4 2013 | 80.17 % | 58.35 % | 72.78 % |
Q1 2014 | 79.93 % | 60.49 % | 75.69 % |
Q2 2014 | 78.78 % | 59.23 % | 75.18 % |
Q3 2014 | 81.83 % | 61.33 % | 74.95 % |
Q4 2014 | 81.99 % | 61.97 % | 75.58 % |
Q1 2015 | 79.89 % | 58.92 % | 73.75 % |
Q2 2015 | 82.75 % | 62.70 % | 75.77 % |
Q3 2015 | 81.98 % | 61.79 % | 75.37 % |
Q4 2015 | 78.66 % | 66.66 % | 84.75 % |
Q1 2016 | 77.19 % | 66.02 % | 85.52 % |
Q2 2016 | 74.31 % | 64.76 % | 87.15 % |
Q3 2016 | 76.32 % | 65.49 % | 85.81 % |
Q4 2016 | 77.81 % | 63.48 % | 81.58 % |
Q1 2017 | 76.50 % | 63.47 % | 82.97 % |
Q2 2017 | 73.38 % | 61.15 % | 83.33 % |
Q3 2017 | 73.56 % | 60.61 % | 82.39 % |
Q4 2017 | 73.63 % | 58.27 % | 79.14 % |
Q1 2018 | 74.43 % | 57.58 % | 77.36 % |
Q2 2018 | 68.47 % | 57.10 % | 83.40 % |
Q3 2018 | 70.00 % | 56.12 % | 80.17 % |
Q4 2018 | 70.96 % | 56.02 % | 78.95 % |
Q1 2019 | 69.57 % | 56.99 % | 81.91 % |
Q2 2019 | 72.30 % | 56.61 % | 78.30 % |
Q3 2019 | 73.25 % | 55.24 % | 75.41 % |
Q4 2019 | 72.44 % | 57.38 % | 79.21 % |
Q1 2020 | 69.84 % | 57.93 % | 82.94 % |
Q2 2020 | 69.29 % | 58.51 % | 84.45 % |
Q3 2020 | 68.52 % | 58.90 % | 85.97 % |
Q4 2020 | 73.85 % | 58.60 % | 79.35 % |
Q1 2021 | 74.73 % | 58.33 % | 78.06 % |
Q2 2021 | 73.72 % | 59.34 % | 80.49 % |
Q3 2021 | 75.34 % | 59.28 % | 78.69 % |
Q4 2021 | 76.21 % | 60.72 % | 79.67 % |
Q1 2022 | 76.04 % | 60.62 % | 79.72 % |
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
2012 | 80.10 % | 58.87 % | 73.50 % |
2013 | 80.17 % | 58.35 % | 72.78 % |
2014 | 81.99 % | 61.97 % | 75.58 % |
2015 | 78.66 % | 66.66 % | 84.75 % |
2016 | 77.81 % | 63.48 % | 81.58 % |
2017 | 73.63 % | 58.27 % | 79.14 % |
2018 | 70.96 % | 56.02 % | 78.95 % |
2019 | 72.44 % | 57.38 % | 79.21 % |
2020 | 73.85 % | 58.60 % | 79.35 % |
2021 | 76.21 % | 60.72 % | 79.67 % |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
Q1 2013 | 709.43 | 0.71 | 0.71 | - | 7.28 |
Q2 2013 | 709.43 | 0.76 | 0.76 | - | 7.58 |
Q3 2013 | 709.43 | 0.84 | 0.84 | - | 7.82 |
Q4 2013 | 709.43 | 0.92 | 0.92 | - | 8.07 |
Q1 2014 | 709.43 | 0.94 | 0.93 | - | 8.26 |
Q2 2014 | 709.43 | 0.94 | 0.91 | - | 8.43 |
Q3 2014 | 709.43 | 0.74 | 0.71 | - | 8.50 |
Q4 2014 | 709.43 | 0.81 | 0.76 | - | 8.68 |
Q1 2015 | 709.43 | 0.90 | 0.87 | - | 8.90 |
Q2 2015 | 709.43 | 1.70 | 0.88 | - | 10.07 |
Q3 2015 | 709.43 | 1.87 | 1.05 | - | 10.17 |
Q4 2015 | 709.43 | 1.81 | 1.01 | - | 10.45 |
Q1 2016 | 709.43 | 2.03 | 0.93 | - | 10.72 |
Q2 2016 | 709.43 | 1.24 | 0.95 | - | 10.86 |
Q3 2016 | 709.43 | 1.24 | 0.94 | - | 11.00 |
Q4 2016 | 709.43 | 1.23 | 0.94 | - | 11.42 |
Q1 2017 | 709.43 | 1.00 | 1.00 | - | 11.74 |
Q2 2017 | 709.43 | 1.06 | 1.06 | - | 11.74 |
Q3 2017 | 709.43 | 1.15 | 1.15 | - | 12.13 |
Q4 2017 | 709.43 | 1.21 | 1.21 | - | 12.44 |
Q1 2018 | 709.43 | 1.24 | 1.24 | - | 11.94 |
Q2 2018 | 1,025.00 | 0.88 | 0.88 | - | 11.12 |
Q3 2018 | 1,025.00 | 0.90 | 0.90 | - | 11.36 |
Q4 2018 | 1,025.00 | 0.37 | 0.91 | - | 10.97 |
Q1 2019 | 1,025.00 | 0.37 | 0.91 | - | 11.21 |
Q2 2019 | 1,025.00 | 0.37 | 0.91 | - | 11.04 |
Q3 2019 | 1,025.00 | 0.38 | 0.92 | - | 11.04 |
Q4 2019 | 1,025.00 | 0.97 | 0.97 | - | 11.31 |
Q1 2020 | 1,025.00 | 0.91 | 0.91 | - | 11.39 |
Q2 2020 | 1,025.00 | 0.83 | 0.83 | - | 11.35 |
Q3 2020 | 1,025.00 | 0.76 | 0.76 | - | 11.51 |
Q4 2020 | 1,025.00 | 0.03 | 0.03 | 0.04 | 11.09 |
Q1 2021 | 1,025.00 | 0.17 | 0.17 | 0.17 | 11.44 |
Q2 2021 | 1,025.00 | 0.25 | 0.21 | 0.26 | 11.64 |
Q3 2021 | 1,025.00 | 0.28 | 0.28 | 0.28 | 11.51 |
Q4 2021 | 1,025.00 | 0.98 | 0.99 | 0.98 | 11.73 |
Q1 2022 | 1,025.00 | 1.03 | 0.99 | 1.02 | 11.63 |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
2012 | 709.43 | 0.71 | 0.71 | - | 7.06 |
2013 | 709.43 | 0.92 | 0.92 | - | 8.07 |
2014 | 709.43 | 0.81 | 0.76 | - | 8.68 |
2015 | 709.43 | 1.81 | 1.01 | - | 10.45 |
2016 | 709.43 | 1.23 | 0.94 | - | 11.42 |
2017 | 709.43 | 1.21 | 1.21 | - | 12.44 |
2018 | 1,025.00 | 0.37 | 0.91 | - | 10.97 |
2019 | 1,025.00 | 0.97 | 0.97 | - | 11.31 |
2020 | 1,025.00 | 0.03 | 0.03 | 0.03 | 11.09 |
2021 | 1,025.00 | 0.98 | 0.99 | 0.98 | 11.73 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
Q1 2013 | 23.14 | 23.14 | 2.25 |
Q2 2013 | 20.96 | 20.96 | 2.10 |
Q3 2013 | 22.17 | 22.17 | 2.39 |
Q4 2013 | 25.04 | 25.04 | 2.84 |
Q1 2014 | 27.21 | 27.51 | 3.09 |
Q2 2014 | 26.57 | 27.34 | 2.96 |
Q3 2014 | 39.58 | 41.05 | 3.44 |
Q4 2014 | 28.05 | 29.58 | 2.61 |
Q1 2015 | 25.30 | 26.22 | 2.56 |
Q2 2015 | 13.58 | 26.24 | 2.30 |
Q3 2015 | 8.83 | 15.75 | 1.62 |
Q4 2015 | 7.28 | 13.12 | 1.26 |
Q1 2016 | 5.33 | 11.64 | 1.01 |
Q2 2016 | 8.40 | 11.00 | 0.96 |
Q3 2016 | 6.56 | 8.61 | 0.74 |
Q4 2016 | 9.40 | 12.36 | 1.01 |
Q1 2017 | 13.51 | 13.51 | 1.15 |
Q2 2017 | 11.77 | 11.77 | 1.06 |
Q3 2017 | 12.71 | 12.71 | 1.21 |
Q4 2017 | 11.09 | 11.09 | 1.08 |
Q1 2018 | 10.46 | 10.46 | 1.08 |
Q2 2018 | 13.42 | 13.42 | 1.06 |
Q3 2018 | 12.84 | 12.84 | 1.02 |
Q4 2018 | 30.96 | 12.59 | 1.04 |
Q1 2019 | 36.53 | 14.82 | 1.20 |
Q2 2019 | 32.60 | 13.39 | 1.11 |
Q3 2019 | 28.15 | 11.73 | 0.98 |
Q4 2019 | 12.44 | 12.44 | 1.06 |
Q1 2020 | 9.92 | 9.92 | 0.80 |
Q2 2020 | 10.88 | 10.88 | 0.80 |
Q3 2020 | 14.81 | 14.81 | 0.97 |
Q4 2020 | More than 100 | More than 100 | 0.99 |
Q1 2021 | More than 100 | More than 100 | 1.10 |
Q2 2021 | More than 100 | More than 100 | 1.27 |
Q3 2021 | More than 100 | More than 100 | 1.28 |
Q4 2021 | 15.76 | 15.64 | 1.32 |
Q1 2022 | 20.73 | 21.62 | 1.81 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
2012 | 22.61 | 22.61 | 2.26 |
2013 | 25.04 | 25.04 | 2.84 |
2014 | 28.05 | 29.58 | 2.61 |
2015 | 7.28 | 13.12 | 1.26 |
2016 | 9.40 | 12.36 | 1.01 |
2017 | 11.09 | 11.09 | 1.08 |
2018 | 30.96 | 12.59 | 1.04 |
2019 | 12.44 | 12.44 | 1.06 |
2020 | More than 100 | More than 100 | 0.99 |
2021 | 15.76 | 15.64 | 1.32 |
Q1 2022
2022
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Brokerage and Asset Management | Takaful Ta'awni | Others |
---|---|---|---|---|---|---|
Q1 2013 | 150.91 | 99.50 | 126.92 | 72.36 | 5.01 | (12.08) |
Q2 2013 | 135.01 | 123.26 | 127.51 | 66.09 | 5.13 | (8.52) |
Q3 2013 | 146.59 | 137.61 | 110.29 | 76.17 | 4.66 | (3.44) |
Q4 2013 | 115.42 | 131.47 | 177.98 | 60.08 | 6.60 | (15.20) |
Q1 2014 | 149.23 | 108.40 | 177.78 | 86.67 | 5.72 | (10.39) |
Q2 2014 | 154.19 | 136.57 | 183.90 | 103.10 | 5.70 | (14.31) |
Q3 2014 | 241.80 | 152.13 | 94.78 | 103.80 | 16.80 | (15.06) |
Q4 2014 | 194.50 | 161.40 | 158.34 | 52.81 | 5.42 | (15.63) |
Q1 2015 | 211.86 | 173.44 | 153.59 | 94.53 | 5.44 | (14.49) |
Q2 2015 | 220.02 | 153.97 | 170.90 | 88.18 | 5.37 | 545.83 |
Q3 2015 | 213.55 | 144.66 | 156.01 | 34.56 | 5.29 | (22.03) |
Q4 2015 | 248.50 | 105.60 | 191.82 | 53.46 | 5.24 | (23.79) |
Q1 2016 | 251.38 | 120.43 | 166.80 | 53.64 | 4.52 | 176.49 |
Q2 2016 | 245.82 | 110.98 | 197.39 | 51.27 | 4.75 | (30.34) |
Q3 2016 | 230.30 | 124.05 | 203.25 | 37.20 | 5.84 | (25.29) |
Q4 2016 | 191.78 | 128.75 | 196.50 | 51.38 | 5.11 | (29.47) |
Q1 2017 | 253.88 | 143.41 | 203.93 | 47.12 | 5.10 | (36.14) |
Q2 2017 | 270.06 | 151.98 | 219.07 | 42.23 | 4.78 | (43.00) |
Q3 2017 | 281.75 | 127.62 | 268.85 | 42.18 | 4.67 | (55.81) |
Q4 2017 | 276.54 | 115.18 | 258.46 | 45.42 | 5.21 | (52.73) |
Q1 2018 | 281.78 | 112.34 | 254.45 | 46.80 | 4.81 | (54.06) |
Q2 2018 | 292.74 | 108.63 | 280.93 | 45.51 | 4.90 | (60.48) |
Q3 2018 | 298.25 | 111.60 | 277.52 | 35.48 | 4.83 | (61.86) |
Q4 2018 | 312.71 | 100.82 | 279.43 | 44.35 | 4.61 | (61.32) |
Q1 2019 | 336.04 | 122.71 | 257.01 | 41.97 | 4.46 | (66.36) |
Q2 2019 | 345.58 | 126.47 | 267.15 | 38.29 | 4.42 | (67.51) |
Q3 2019 | 355.96 | 117.66 | 312.05 | 37.62 | 4.42 | (78.08) |
Q4 2019 | 364.63 | 189.87 | 302.46 | 49.76 | 4.31 | (93.72) |
Q1 2020 | 427.82 | 147.36 | 244.29 | 50.52 | 0.39 | (101.46) |
Q2 2020 | 396.92 | 152.77 | 269.36 | 49.49 | (0.39) | (78.73) |
Q3 2020 | 395.15 | 151.67 | 276.16 | 74.43 | - | (85.51) |
Q4 2020 | 468.08 | 153.50 | 263.10 | 107.52 | - | (75.30) |
Q1 2021 | 474.07 | 175.37 | 256.47 | 95.80 | - | (56.27) |
Q2 2021 | 454.23 | 157.11 | 188.19 | 72.11 | - | (43.21) |
Q3 2021 | 497.52 | 179.43 | 194.90 | 65.85 | - | (59.44) |
Q4 2021 | 486.82 | 168.13 | 222.19 | 77.46 | - | (59.57) |
Q1 2022 | 515.10 | 188.06 | 262.95 | 76.67 | - | (56.61) |
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Brokerage and Asset Management | Takaful Ta'awni | Others |
---|---|---|---|---|---|---|
2012 | 383.51 | 434.06 | 426.70 | 354.46 | 25.56 | (26.71) |
2013 | 547.92 | 491.85 | 542.70 | 274.70 | 21.39 | (39.24) |
2014 | 739.72 | 558.51 | 614.79 | 346.39 | 22.22 | (55.39) |
2015 | 893.94 | 577.67 | 672.32 | 270.73 | 21.34 | 485.52 |
2016 | 919.29 | 484.21 | 763.93 | 193.48 | 20.21 | 91.39 |
2017 | 1,082.22 | 538.19 | 950.31 | 176.95 | 19.75 | (187.68) |
2018 | 1,185.48 | 433.39 | 1,092.33 | 172.14 | 19.14 | (237.73) |
2019 | 1,402.21 | 556.71 | 1,138.67 | 167.64 | 17.60 | (305.67) |
2020 | 1,687.96 | 605.30 | 1,052.91 | 281.95 | - | (341.00) |
2021 | 1,912.64 | 680.04 | 861.75 | 311.22 | - | (218.49) |
Item | Q1 2022 (e) | Q1 2022 (a) | Change |
---|---|---|---|
Average | 286.19 | 374.85 | 30.98 % |
Item | Q1 2022 (e) | Q1 2022 (a) | Change |
---|---|---|---|
Hermes | 302.00 | 374.85 | 24.1 % |
OSOOL AND BAKHEET | 294.57 | 374.85 | 27.3 % |
SNB Capital | 262.00 | 374.85 | 43.1 % |
Current | |
Market Cap (M Riyal) | 16,953.50 |
Shares Outstanding ((M)) | 1,025.00 |
EPS ( Riyal) (TTM) | 1.20 |
EPS Diluted ( Riyal) (TTM) | 1.01 |
Book Value (BV) ( Riyal) | 13.18 |
Par Value ( Riyal) | 10.00 |
Adjusted P/E (Last12) | 14.32 |
P/E (TTM) | 13.78 |
Price/book | 1.25 |
Return on Average Assets (%) (TTM) | 0.9 |
Return on Average Equity (%) (TTM) | 9.5 |
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