Bank AlJazira profit up 21% to SAR 1.23B in 2024; Q4 at SAR 280.3M

Bank AlJazira profit up 21% to SAR 1.23B in 2024; Q4 at SAR 280.3M

02/02/2025 Argaam Exclusive

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Bank AlJazira reported a net profit of SAR 1.23 billion for 2024, a rise of 21% from SAR 1.02 billion for the year-earlier period.



Financials (M)

Item 2023 2024 Change‬
Net Special Commission Income 2,374.80 2,634.40 10.9 %
Operating Income 3,334.70 3,779.40 13.3 %
Total Provisions (229.06) (274.90) (20.0 %)
Net Income 1,019.97 1,231.00 20.7 %
Average Shares 1,025.00 1,025.00 -
Earnings Per Share before unusual items 0.98 1.16 18.8 %
EPS (Riyals) 1.00 1.20 20.7 %
EPS Diluted (Riyals) 0.86 1.01 17.3 %

The profit increase is driven by an 11% year-on-year (YoY) increase in net financing and investment income, along with higher net fees from banking services, net gains on FVIS financial instruments, other operating income, dividend income and net exchange income. Meanwhile, the bank noted a decrease in net gains on derecognition of financial assets at amortized cost.

 

Net impairment charge for financing and other financial assets increased by 39% mainly due to higher provisioning requirements for commercial financing. On the other hand, there was an impairment reversal of SAR 42.6 million for other real estate.

 

Meanwhile, return on deposits and financial liabilities rose 37%.

 

In contrast, total operating expenses increased by 10% and Zakat charges rose.



Current Quarter Comparison (M)

Compared With The
Item Q4 2023 Q4 2024 Change‬
Net Special Commission Income 642.82 735.10 14.4 %
Operating Income 905.86 967.32 6.8 %
Debt Provisions (68.12) (49.16) 27.8 %
Net Income 279.29 280.29 0.4 %
Average Shares 1,025.00 1,025.00 -
Earnings Per Share before unusual items 0.27 0.27 1.6 %
EPS (Riyals) 0.27 0.27 0.4 %
EPS Diluted (Riyal) 0.18 0.18 2.3 %

Balance Sheet (B)

Item 2023 2024 Change‬
Assets 129.55 148.91 14.9 %
Customer Deposits 94.05 108.19 15.0 %
Loan 80.78 96.91 20.0 %

Q4 2024 net profit reached SAR 280.3 million, an increase of 0.4% year-on-year (YoY) from SAR 279.29 million.

 

On a quarterly basis, net profit fell 15.8% from SAR 332.72 million.

 

Total shareholders’ equity, no minority interest and after deducting sukuk, stood at SAR 13.32 billion by Dec. 31, 2024, compared to SAR 12.54 billion in the prior-year period.

 

View More Financial Results

 


Financial results (Million)

Period Net Special Commission Income Change Operating Income Change Debt Provisions Change
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 %
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 %)
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 %)
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 %
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 %)
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 %)
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 %
Q1 2022 728.60 13.2 % 934.76 (1.1 %) (94.01) 38.5 %
Q2 2022 631.38 0.0 % 806.92 (2.6 %) (39.58) 74.9 %
Q3 2022 654.33 (2.9 %) 881.13 0.3 % (102.52) 35.3 %
Q4 2022 593.07 (22.8 %) 819.70 (8.4 %) (50.20) 67.7 %
Q1 2023 558.53 (23.3 %) 783.87 (16.1 %) (60.00) 36.2 %
Q2 2023 565.62 (10.4 %) 807.73 0.1 % (52.18) (31.8 %)
Q3 2023 607.83 (7.1 %) 837.24 (5.0 %) (48.77) 52.4 %
Q4 2023 642.82 8.4 % 905.86 10.5 % (68.12) (35.7 %)
Q1 2024 620.08 11.0 % 888.30 13.3 % (55.38) 7.7 %
Q2 2024 629.41 11.3 % 903.06 11.8 % (82.78) (58.6 %)
Q3 2024 649.82 6.9 % 1,020.72 21.9 % (87.59) (79.6 %)
Q4 2024 735.10 14.4 % 967.32 6.8 % (49.16) 27.8 %
2024 2,634.40 10.9 % 3,779.40 13.3 % (274.90) (20.0 %)


Profit Performance (Million)

Period Net Income Change EPS(Riyal) Extraordinary Income/Expense Net Profit Before Unusual Items Earnings Per Share before unusual items
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
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
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
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
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
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)
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
Q1 2022 374.85 16.6 % 0.37 51.41 323.44 0.32
Q2 2022 257.82 2.7 % 0.25 - 257.82 0.25
Q3 2022 232.67 13.8 % 0.23 - 232.67 0.23
Q4 2022 243.75 6.5 % 0.24 1.39 242.36 0.24
Q1 2023 204.04 (45.6 %) 0.20 - 204.04 0.20
Q2 2023 260.61 1.1 % 0.25 - 260.61 0.25
Q3 2023 276.04 18.6 % 0.27 15.92 260.12 0.25
Q4 2023 279.29 14.6 % 0.27 3.44 275.85 0.27
Q1 2024 300.44 47.2 % 0.29 - 300.44 0.29
Q2 2024 317.55 21.9 % 0.31 42.57 274.98 0.27
Q3 2024 332.72 20.5 % 0.32 - 332.72 0.32
Q4 2024 280.29 0.4 % 0.27 - 280.29 0.27
2024 1,231.00 20.7 % 1.20 42.57 1,188.43 1.16

Profitability

Period Return On Average Assets Return on Average Equity Net Interest Income/Total Operating Income
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 % 71.21 %
Q1 2024 0.87 % 9.06 % 70.84 %
Q2 2024 0.89 % 9.31 % 70.74 %
Q3 2024 0.90 % 9.47 % 68.37 %
Q4 2024 0.88 % 9.52 % 69.70 %
2024 0.88 % 9.52 % 69.70 %

Balance Sheet (B)

Period Assets Change Customer Deposits Change Loan Change
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 %
Q1 2024 135.82 13.7 % 97.27 12.0 % 84.12 16.8 %
Q2 2024 138.00 10.9 % 98.55 7.0 % 87.21 16.4 %
Q3 2024 145.19 12.3 % 103.35 14.0 % 92.71 16.7 %
Q4 2024 148.91 14.9 % 108.19 15.0 % 96.91 20.0 %

Ratios

Period Customer Deposits Per Total Assets Loans and advances/Total assets Loans and advances/Customers Deposits
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 %
Q1 2024 71.61 % 61.93 % 86.48 %
Q2 2024 71.41 % 63.19 % 88.49 %
Q3 2024 71.18 % 63.85 % 89.71 %
Q4 2024 72.65 % 65.08 % 89.58 %


Per Share Data (Riyal)

Compared With The
Period Shares Outstanding (M) EPS (Riyal) Earnings Per Share before unusual items (Riyal) EPS Diluted (Riyal) Book Value (BV)
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
Q2 2022 1,025.00 1.04 1.04 1.00 11.69
Q3 2022 1,025.00 1.07 1.02 1.02 11.45
Q4 2022 1,025.00 1.08 1.03 1.00 11.45
Q1 2023 1,025.00 0.92 0.91 0.86 11.80
Q2 2023 1,025.00 0.92 0.92 0.84 12.09
Q3 2023 1,025.00 0.96 0.94 0.88 12.15
Q4 2023 1,025.00 1.00 0.98 0.86 12.23
Q1 2024 1,025.00 1.09 1.07 0.95 12.26
Q2 2024 1,025.00 1.14 1.08 0.95 12.49
Q3 2024 1,025.00 1.20 1.16 1.01 13.18
Q4 2024 1,025.00 1.20 1.16 1.01 13.00

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Adjusted P/E Price/book
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
Q2 2022 17.84 17.92 1.53
Q3 2022 17.67 18.47 1.58
Q4 2022 15.20 15.96 1.33
Q1 2023 16.99 17.01 1.23
Q2 2023 17.43 17.45 1.21
Q3 2023 15.20 15.47 1.11
Q4 2023 17.39 17.73 1.22
Q1 2024 16.57 16.86 1.29
Q2 2024 17.29 18.25 1.32
Q3 2024 17.06 17.72 1.30
Q4 2024 18.51 19.18 1.44

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 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 524.28 224.31 69.41 79.04 - (89.30)
Q3 2023 478.30 252.42 78.47 115.33 - (71.36)
Q4 2023 404.86 232.85 199.03 122.30 - (69.13)
Q1 2024 373.92 248.81 224.95 116.80 - (76.18)
Q2 2024 637.62 257.51 (33.08) 113.28 - (72.27)
Q3 2024 515.03 371.95 109.69 132.25 - (108.20)

Analysts Estimates (Million)

Item Q4 2024 (e) Q4 2024 (a) Change‬
Average 331.57 280.29 (15.5 %)

Estimates vs Actual (Million)

Item Q4 2024 (e) Q4 2024 (a) Change
OSOOL AND BAKHEET 315.62 280.29 (12.6) %
Hermes 329.00 280.29 (17.4) %
SNB Capital 330.00 280.29 (17.7) %
Arqaam Capital 339.00 280.29 (20.9) %
Value Capital 344.24 280.29 (22.8) %


Financial Ratios
Current
Market Cap (M Riyal) 19,270.00
Shares Outstanding ((M)) 1,025.00
EPS ( Riyal) (TTM) 1.20
EPS Diluted ( Riyal) (TTM) 1.01
Book Value (BV) ( Riyal) 13.00
Par Value ( Riyal) 10.00
Adjusted P/E (Last12) 16.21
P/E (TTM) 15.65
Price/book 1.45
Return on Average Assets (%) (TTM) 0.9
Return on Average Equity (%) (TTM) 9.5
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Share Price

Bank Aljazira
18.80
0.54 2.96 %

Bank Aljazira (BJAZ)

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