Bank AlJazira profit falls 8% to SAR 1.02B in 2023, reaches SAR 279.3M in Q4

Bank AlJazira profit falls 8% to SAR 1.02B in 2023, reaches SAR 279.3M in Q4

05/02/2024 Argaam Exclusive

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Bank AlJazira reported a net profit of SAR 1.02 billion for the twelve months ended Dec. 31, 2023, a decline of 8% compared to SAR 1.10 billion for the year-earlier period.



Financials (M)

Item 2022 2023 Change‬
Net Special Commission Income 2,607.38 2,374.80 (8.9 %)
Operating Income 3,442.51 3,315.30 (3.7 %)
Total Provisions (286.32) (229.06) 20.0 %
Net Income 1,109.09 1,019.97 (8.0 %)
Average Shares 1,025.00 1,025.00 -
EPS (Riyals) 1.08 1.00 (8.0 %)
EPS Diluted (Riyals) 1.08 1.00 (7.4 %)

The net income drop was mainly ascribed to a 5% decrease year-on-year (YoY) in operating income on lower net financing and investment income, net gains on FVIS financial instruments, and other operating income.

 

Net financing and investment income fell 9% YoY mainly due to an increase in return on deposits and financial liabilities by 197%.

 

Meanwhile, income from investments and financing increased by 60% YoY.



Current Quarter Comparison (M)

Compared With The
Item Q4 2022 Q4 2023 Change‬
Net Special Commission Income 593.07 642.82 8.4 %
Operating Income 819.70 886.46 8.1 %
Debt Provisions (50.20) (68.12) (35.7 %)
Net Income 243.75 279.29 14.6 %
Average Shares 1,025.00 1,025.00 -
EPS (Riyals) 0.24 0.27 14.6 %
EPS Diluted (Riyal) 0.24 0.27 12.5 %

Balance Sheet (B)

Item 2022 2023 Change‬
Assets 115.85 129.55 11.8 %
Customer Deposits 86.02 94.05 9.3 %
Loan 70.60 80.78 14.4 %

Q4 2023 net profit reached SAR 279.3 million, an increase of 15% YoY from SAR 243.75 million in Q4 2022.

 

On a quarterly basis, net profit inched up 1.2% from SAR 276.04 million.

 

Total shareholders’ equity, no minority interest and after deducting sukuk, stood at SAR 12.54 billion by Dec. 31, 2023, compared to SAR 11.73 billion in the prior-year period.

 

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Financial results (Million)

Period Net Special Commission Income Change Operating Income Change Debt Provisions Change Net Income Change EPS(Riyal)
Q1 2014 321.65 21.1 % 510.06 15.2 % (65.38) (17.8 %) 159.33 10.5 % 0.22
Q2 2014 356.29 18.0 % 557.72 24.4 % (91.18) (193.6 %) 166.71 (0.4 %) 0.23
Q3 2014 377.60 16.9 % 582.83 23.5 % (211.19) (7312.6 %) 47.24 (75.0 %) 0.07
Q4 2014 389.54 17.3 % 545.87 14.6 % (15.36) 70.9 % 199.19 32.5 % 0.28
Q1 2015 396.23 23.2 % 624.38 22.4 % (36.68) 43.9 % 227.00 42.5 % 0.32
Q2 2015 403.41 13.2 % 611.63 9.7 % (68.47) 24.9 % 735.75 341.3 % 1.04
Q3 2015 410.50 8.7 % 532.05 (8.7 %) 39.81 118.9 % 165.74 250.9 % 0.23
Q4 2015 390.40 0.2 % 580.82 6.4 % 12.27 179.9 % 158.63 (20.4 %) 0.22
Q1 2016 370.10 (6.6 %) 564.65 (9.6 %) (27.72) 24.4 % 381.31 68.0 % 0.54
Q2 2016 384.52 (4.7 %) 579.86 (5.2 %) (30.67) 55.2 % 177.52 (75.9 %) 0.25
Q3 2016 407.21 (0.8 %) 575.36 8.1 % (28.63) (171.9 %) 160.69 (3.0 %) 0.23
Q4 2016 404.66 3.7 % 544.05 (6.3 %) (38.19) (411.2 %) 152.43 (3.9 %) 0.21
Q1 2017 433.98 17.3 % 617.30 9.3 % (46.81) (68.8 %) 215.97 (43.4 %) 0.30
Q2 2017 453.44 17.9 % 645.11 11.3 % (61.94) (101.9 %) 220.16 24.0 % 0.31
Q3 2017 470.08 15.4 % 669.25 16.3 % (85.43) (198.4 %) 227.63 41.7 % 0.32
Q4 2017 460.11 13.7 % 648.08 19.1 % (72.97) (91.1 %) 193.75 27.1 % 0.27
Q1 2018 457.74 5.5 % 646.11 4.7 % (17.10) 63.5 % 236.59 9.5 % 0.33
Q2 2018 479.70 5.8 % 672.23 4.2 % (39.22) 36.7 % 244.17 10.9 % 0.24
Q3 2018 478.61 1.8 % 665.81 (0.5 %) (22.60) 73.5 % 247.36 8.7 % 0.24
Q4 2018 487.98 6.1 % 680.59 5.0 % (27.88) 61.8 % (349.84) (280.6 %) (0.34)
Q1 2019 489.13 6.9 % 695.83 7.7 % (26.00) (52.1 %) 235.01 (0.7 %) 0.23
Q2 2019 502.23 4.7 % 714.40 6.3 % (12.82) 67.3 % 251.82 3.1 % 0.25
Q3 2019 517.66 8.2 % 749.62 12.6 % (40.35) (78.5 %) 256.87 3.8 % 0.25
Q4 2019 543.14 11.3 % 817.31 20.1 % (77.78) (179.0 %) 247.33 170.7 % 0.24
Q1 2020 545.14 11.4 % 768.92 10.5 % (121.96) (369.0 %) 181.61 (22.7 %) 0.18
Q2 2020 596.66 18.8 % 789.41 10.5 % (173.04) (1,249.4 %) 165.77 (34.2 %) 0.16
Q3 2020 616.78 19.1 % 811.90 8.3 % (180.08) (346.3 %) 181.63 (29.3 %) 0.18
Q4 2020 631.80 16.3 % 916.94 12.2 % (1,100.67) (1,315.2 %) (495.22) (300.2 %) (0.48)
Q1 2021 643.78 18.1 % 945.44 23.0 % (152.81) (25.3 %) 321.59 77.1 % 0.31
Q2 2021 631.51 5.8 % 828.44 4.9 % (157.94) 8.7 % 251.16 51.5 % 0.25
Q3 2021 673.68 9.2 % 878.26 8.2 % (158.46) 12.0 % 204.53 12.6 % 0.20
Q4 2021 768.17 21.6 % 895.03 (2.4 %) (155.35) 85.9 % 228.80 146.2 % 0.22
Q1 2022 728.60 13.2 % 934.76 (1.1 %) (94.01) 38.5 % 374.85 16.6 % 0.37
Q2 2022 631.38 0.0 % 806.92 (2.6 %) (39.58) 74.9 % 257.82 2.7 % 0.25
Q3 2022 654.33 (2.9 %) 881.13 0.3 % (102.52) 35.3 % 232.67 13.8 % 0.23
Q4 2022 593.07 (22.8 %) 819.70 (8.4 %) (50.20) 67.7 % 243.75 6.5 % 0.24
Q1 2023 558.53 (23.3 %) 783.87 (16.1 %) (60.00) 36.2 % 204.04 (45.6 %) 0.20
Q2 2023 565.62 (10.4 %) 807.73 0.1 % (52.18) (31.8 %) 260.61 1.1 % 0.25
Q3 2023 607.83 (7.1 %) 837.24 (5.0 %) (48.77) 52.4 % 276.04 18.6 % 0.27
Q4 2023 642.82 8.4 % 886.46 8.1 % (68.12) (35.7 %) 279.29 14.6 % 0.27
2023 2,374.80 (8.9 %) 3,315.30 (3.7 %) (229.06) 20.0 % 1,019.97 (8.0 %) 1.00

Profitability

Period Return On Average Assets Return on Average Equity Net Interest Income/Total Operating Income
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 %
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 %
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 %
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 %
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 %
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 %
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 %
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 %
Q1 2022 1.07 % 8.96 % 79.23 %
Q2 2022 1.01 % 8.92 % 79.71 %
Q3 2022 1.05 % 9.30 % 79.10 %
Q4 2022 1.01 % 9.34 % 75.74 %
Q1 2023 0.84 % 7.81 % 74.05 %
Q2 2023 0.79 % 7.72 % 72.03 %
Q3 2023 0.82 % 8.14 % 71.57 %
Q4 2023 0.83 % 8.40 % 71.63 %
2023 0.83 % 8.40 % 71.63 %

Balance Sheet (B)

Period Assets Change Customer Deposits Change Loan Change
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 %
Q2 2022 114.65 19.6 % 86.58 22.5 % 65.57 15.2 %
Q3 2022 110.28 11.9 % 82.28 10.8 % 67.65 15.8 %
Q4 2022 115.85 12.7 % 86.02 9.8 % 70.60 13.1 %
Q1 2023 119.43 14.6 % 86.87 9.6 % 72.03 14.0 %
Q2 2023 124.44 8.5 % 92.08 6.3 % 74.94 14.3 %
Q3 2023 129.25 17.2 % 90.65 10.2 % 79.41 17.4 %
Q4 2023 129.55 11.8 % 94.05 9.3 % 80.78 14.4 %

Ratios

Period Customer Deposits Per Total Assets Loans and advances/Total assets Loans and advances/Customers Deposits
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 %
Q2 2022 75.52 % 57.20 % 75.74 %
Q3 2022 74.61 % 61.35 % 82.22 %
Q4 2022 74.25 % 60.94 % 82.07 %
Q1 2023 72.73 % 60.31 % 82.92 %
Q2 2023 73.99 % 60.22 % 81.39 %
Q3 2023 70.13 % 61.44 % 87.61 %
Q4 2023 72.60 % 62.35 % 85.89 %


Per Share Data (Riyal)

Compared With The
Period Shares Outstanding (M) EPS (Riyal) Adjusted EPS (Riyal) EPS Diluted (Riyal) Book Value (BV)
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 1.04 11.63
Q2 2022 1,025.00 1.04 1.04 1.04 11.69
Q3 2022 1,025.00 1.07 1.02 1.07 11.45
Q4 2022 1,025.00 1.08 1.03 1.09 11.45
Q1 2023 1,025.00 0.92 0.91 0.92 11.80
Q2 2023 1,025.00 0.92 0.92 0.92 12.09
Q3 2023 1,025.00 0.96 0.94 0.96 12.15
Q4 2023 1,025.00 1.00 0.98 0.99 12.23

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Adjusted P/E Price/book
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 20.27 21.15 1.81
Q2 2022 17.12 17.19 1.53
Q3 2022 16.88 17.64 1.58
Q4 2022 13.98 14.68 1.33
Q1 2023 15.79 15.81 1.23
Q2 2023 15.84 15.87 1.21
Q3 2023 13.95 14.20 1.11
Q4 2023 15.06 15.36 1.22

Business Segments (Million)

Compared With The
Period Retail Corporate and Institutional Banking Global markets and Treasury Brokerage and Asset Management Takaful Ta'awni Others
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)
Q2 2022 457.64 178.10 166.27 69.62 - (64.70)
Q3 2022 450.02 208.63 224.47 83.41 - (85.41)
Q4 2022 393.27 232.75 161.21 110.83 - (76.96)
Q1 2023 408.45 210.16 154.19 79.66 - (68.58)
Q2 2023 401.56 214.61 187.74 79.04 - (75.23)
Q3 2023 407.39 237.26 172.36 115.33 - (79.18)
Q4 2023 404.86 232.85 199.03 122.30 - (69.13)

Analysts Estimates (Million)

Item Q4 2023 (e) Q4 2023 (a) Change‬
Average 282.16 279.29 (1.0 %)

Estimates vs Actual (Million)

Item Q4 2023 (e) Q4 2023 (a) Change
YAQEEN 277.70 279.29 0.6 %
SNB Capital 281.00 279.29 (0.6) %
Hermes 275.00 279.29 1.6 %
Value Capital 266.95 279.29 4.6 %
OSOOL AND BAKHEET 310.14 279.29 (9.9) %

Current
Market Cap (M Riyal) 16,441.00
Shares Outstanding ((M)) 1,025.00
EPS ( Riyal) (TTM) 1.09
EPS Diluted ( Riyal) (TTM) 1.09
Book Value (BV) ( Riyal) 12.26
Par Value ( Riyal) 10.00
Adjusted P/E (Last12) 14.99
P/E (TTM) 14.73
Price/book 1.31
Return on Average Assets (%) (TTM) 0.9
Return on Average Equity (%) (TTM) 9.1

Share Price

16.02
(0.08) (0.50 %)

Bank Aljazira (BJAZ)


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