Riyad Bank’s Q1 2020 net profit slips to SAR 1.47 bln

Riyad Bank’s Q1 2020 net profit slips to SAR 1.47 bln

17/05/2020 Argaam Exclusive

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Riyad Bank reported a marginal decline of 0.6% year-on-year (YoY) in net profit to SAR 1.476 billion for Q1 2020, compared to SAR 1.485 billion in year-earlier period.

 

The marginal decrease came on higher operating expenses, impairment charges for credit losses and other financial assets, salaries and other employee-related costs.



Current Quarter Comparison (M)

Compared With The
Item Q1 2019 Q1 2020 Change‬
Net Special Commission Income 1,808.72 1,989.32 10.0 %
Operating Income 2,580.14 2,885.48 11.8 %
Debt Provisions (162.37) (303.40) (86.9 %)
Net Income 1,484.79 1,476.43 (0.6 %)
Average Shares 3,000.00 3,000.00 -
EPS (Riyals) 0.49 0.49 (0.6 %)
EPS Diluted (Riyal) 0.49 0.49 0.0 %

When compared to Q4 2019, net profit rose 33% buoyed by higher operating income, increased fee and commission income, as well as net trading gains, and net gains from disposal of non-trade investments.

 

Moreover, lower operating expenses, general and administrative expenses, impairment charges for credit losses also boosted the bank’s results.

Balance Sheet (B)

Item 3m 2019 3m 2020 Change‬
Assets 239.52 279.70 16.8 %
Customer Deposits 173.49 192.90 11.2 %
Loan 158.24 182.78 15.5 %


Financial results (Million)

Period Net Special Commission Income Change Operating Income Change Debt Provisions Change
Q1 2011 984.01 (2.8 %) 1,526.84 3.9 % (160.31) 42.5 %
Q2 2011 1,066.59 3.8 % 1,569.68 2.8 % (87.45) 55.4 %
Q3 2011 1,063.54 0.4 % 1,572.56 5.0 % (150.94) 49.6 %
Q4 2011 1,082.89 3.9 % 1,606.72 8.2 % (263.02) (64.2 %)
Q1 2012 1,068.47 8.6 % 1,643.89 7.7 % (152.87) 4.6 %
Q2 2012 1,095.22 2.7 % 1,804.29 14.9 % (386.55) (342.0 %)
Q3 2012 1,117.21 5.0 % 1,667.72 6.1 % (327.28) (116.8 %)
Q4 2012 1,100.58 1.6 % 1,670.38 4.0 % (312.95) (19.0 %)
Q1 2013 1,089.59 2.0 % 1,724.64 4.9 % (191.13) (25.0 %)
Q2 2013 1,166.34 6.5 % 1,815.48 0.6 % (197.21) 49.0 %
Q3 2013 1,214.55 8.7 % 1,738.69 4.3 % (139.62) 57.3 %
Q4 2013 1,226.52 11.4 % 1,795.22 7.5 % (99.46) 68.2 %
Q1 2014 1,229.64 12.9 % 1,932.04 12.0 % (203.77) (6.6 %)
Q2 2014 1,256.38 7.7 % 2,094.96 15.4 % (262.98) (33.3 %)
Q3 2014 1,315.71 8.3 % 1,990.25 14.5 % (217.40) (55.7 %)
Q4 2014 1,328.51 8.3 % 1,994.52 11.1 % (215.92) (117.1 %)
Q1 2015 1,281.74 4.2 % 2,047.81 6.0 % (127.80) 37.3 %
Q2 2015 1,293.48 3.0 % 1,901.43 (9.2 %) (315.33) (19.9 %)
Q3 2015 1,261.05 (4.2 %) 1,862.11 (6.4 %) (358.11) (64.7 %)
Q4 2015 1,343.51 1.1 % 1,888.02 (5.3 %) (229.49) (6.3 %)
Q1 2016 1,267.32 (1.1 %) 1,786.17 (12.8 %) (104.82) 18.0 %
Q2 2016 1,360.12 5.2 % 2,026.99 6.6 % (85.11) 73.0 %
Q3 2016 1,320.55 4.7 % 1,854.88 (0.4 %) (335.22) 6.4 %
Q4 2016 1,353.05 0.7 % 1,833.24 (2.9 %) (761.26) (231.7 %)
Q1 2017 1,425.31 12.5 % 2,007.29 12.4 % (217.11) (107.1 %)
Q2 2017 1,473.21 8.3 % 1,983.91 (2.1 %) (371.45) (336.4 %)
Q3 2017 1,538.68 16.5 % 2,076.13 11.9 % (288.12) 14.0 %
Q4 2017 1,497.87 10.7 % 2,057.89 12.3 % (350.80) 53.9 %
Q1 2018 1,523.19 6.9 % 2,129.55 6.1 % (196.44) 9.5 %
Q2 2018 1,629.57 10.6 % 2,173.53 9.6 % (328.81) 11.5 %
Q3 2018 1,717.41 11.6 % 2,280.89 9.9 % (243.09) 15.6 %
Q4 2018 1,758.30 17.4 % 2,383.44 15.8 % (170.37) 51.4 %
Q1 2019 1,808.72 18.7 % 2,580.14 21.2 % (162.37) 17.3 %
Q2 2019 1,962.95 20.5 % 2,669.57 22.8 % (283.05) 13.9 %
Q3 2019 2,034.23 18.4 % 2,762.69 21.1 % (189.84) 21.9 %
Q4 2019 2,031.12 15.5 % 2,704.66 13.5 % (334.93) (96.6 %)
Q1 2020 1,989.32 10.0 % 2,885.48 11.8 % (303.40) (86.9 %)


Profit Performance (Million)

Period Net Income Change EPS(Riyal) Extraordinary Income/Expense Net Profit Before Unusual Items EPS Before XO Items
Q1 2011 741.24 8.3 % 0.25 - 741.24 0.25
Q2 2011 835.99 9.2 % 0.28 - 835.99 0.28
Q3 2011 794.28 30.0 % 0.26 - 794.28 0.26
Q4 2011 777.85 1.9 % 0.26 - 777.85 0.26
Q1 2012 901.48 21.6 % 0.30 - 901.48 0.30
Q2 2012 914.40 9.4 % 0.30 - 914.40 0.30
Q3 2012 840.03 5.8 % 0.28 - 840.03 0.28
Q4 2012 810.13 4.2 % 0.27 - 810.13 0.27
Q1 2013 950.98 5.5 % 0.32 - 950.98 0.32
Q2 2013 967.91 5.9 % 0.32 - 967.91 0.32
Q3 2013 997.93 18.8 % 0.33 - 997.93 0.33
Q4 2013 1,030.29 27.2 % 0.34 - 1,030.29 0.34
Q1 2014 1,079.45 13.5 % 0.36 - 1,079.45 0.36
Q2 2014 1,136.26 17.4 % 0.38 - 1,136.26 0.38
Q3 2014 1,076.29 7.9 % 0.36 - 1,076.29 0.36
Q4 2014 1,060.41 2.9 % 0.35 - 1,060.41 0.35
Q1 2015 1,171.60 8.5 % 0.39 - 1,171.60 0.39
Q2 2015 1,128.23 (0.7 %) 0.38 266.60 861.63 0.29
Q3 2015 898.55 (16.5 %) 0.30 - 898.55 0.30
Q4 2015 851.10 (19.7 %) 0.28 - 851.10 0.28
Q1 2016 1,173.72 0.2 % 0.39 201.00 972.72 0.32
Q2 2016 1,145.98 1.6 % 0.38 - 1,145.98 0.38
Q3 2016 729.43 (18.8 %) 0.24 - 729.43 0.24
Q4 2016 293.37 (65.5 %) 0.10 - 293.37 0.10
Q1 2017 1,047.36 (10.8 %) 0.35 - 1,047.36 0.35
Q2 2017 847.92 (26.0 %) 0.28 - 847.92 0.28
Q3 2017 1,076.85 47.6 % 0.36 - 1,076.85 0.36
Q4 2017 973.88 232.0 % 0.32 - 973.88 0.32
Q1 2018 916.83 (12.5 %) 0.31 - 916.83 0.31
Q2 2018 842.49 (0.6 %) 0.28 - 842.49 0.28
Q3 2018 945.01 (12.2 %) 0.32 - 945.01 0.32
Q4 2018 387.75 (60.2 %) 0.13 (744.00) 1,131.75 0.38
Q1 2019 1,484.79 61.9 % 0.49 - 1,484.79 0.49
Q2 2019 1,499.75 78.0 % 0.50 - 1,499.75 0.50
Q3 2019 1,506.35 59.4 % 0.50 - 1,506.35 0.50
Q4 2019 1,111.18 186.6 % 0.37 - 1,111.18 0.37
Q1 2020 1,476.43 (0.6 %) 0.49 - 1,476.43 0.49

Profitability

Period Return On Average Assets Return on Average Equity Net Interest Income/Total Operating Income
Q1 2011 1.62 % 10.17 % 68.13 %
Q2 2011 1.70 % 10.14 % 68.29 %
Q3 2011 1.78 % 10.82 % 67.53 %
Q4 2011 1.78 % 10.61 % 66.88 %
Q1 2012 1.82 % 11.18 % 66.97 %
Q2 2012 1.89 % 11.16 % 65.03 %
Q3 2012 1.92 % 11.34 % 64.91 %
Q4 2012 1.87 % 11.16 % 64.56 %
Q1 2013 1.90 % 11.31 % 64.11 %
Q2 2013 1.92 % 11.40 % 65.04 %
Q3 2013 1.97 % 11.72 % 65.78 %
Q4 2013 2.00 % 11.99 % 66.40 %
Q1 2014 2.05 % 12.43 % 66.43 %
Q2 2014 2.09 % 12.97 % 65.17 %
Q3 2014 2.06 % 12.82 % 64.36 %
Q4 2014 2.07 % 12.54 % 64.03 %
Q1 2015 2.08 % 12.61 % 63.76 %
Q2 2015 2.03 % 12.61 % 65.79 %
Q3 2015 1.96 % 12.06 % 66.17 %
Q4 2015 1.85 % 11.24 % 67.28 %
Q1 2016 1.83 % 10.95 % 69.45 %
Q2 2016 1.81 % 11.00 % 69.18 %
Q3 2016 1.77 % 10.71 % 70.03 %
Q4 2016 1.52 % 9.09 % 70.67 %
Q1 2017 1.45 % 8.67 % 70.69 %
Q2 2017 1.31 % 7.88 % 72.56 %
Q3 2017 1.48 % 8.74 % 73.29 %
Q4 2017 1.82 % 10.44 % 73.05 %
Q1 2018 1.77 % 10.43 % 73.15 %
Q2 2018 1.75 % 10.36 % 73.36 %
Q3 2018 1.66 % 9.89 % 73.69 %
Q4 2018 1.39 % 8.20 % 73.92 %
Q1 2019 1.62 % 9.92 % 73.41 %
Q2 2019 1.87 % 11.31 % 73.10 %
Q3 2019 2.05 % 12.84 % 72.76 %
Q4 2019 2.26 % 14.49 % 73.13 %
Q1 2020 2.15 % 14.83 % 72.74 %

Balance Sheet (B)

Period Assets Change Customer Deposits Change Loan Change
Q1 2011 180.72 3.7 % 133.14 3.9 % 109.36 2.9 %
Q2 2011 177.53 4.8 % 132.40 6.7 % 110.58 5.6 %
Q3 2011 180.37 5.0 % 132.33 6.5 % 112.14 6.8 %
Q4 2011 180.89 4.2 % 139.82 10.1 % 112.97 6.5 %
Q1 2012 183.39 1.5 % 139.54 4.8 % 113.69 4.0 %
Q2 2012 180.64 1.7 % 137.06 3.5 % 115.09 4.1 %
Q3 2012 177.10 (1.8 %) 134.93 2.0 % 115.29 2.8 %
Q4 2012 190.18 5.1 % 146.21 4.6 % 117.47 4.0 %
Q1 2013 186.45 1.7 % 143.96 3.2 % 120.92 6.4 %
Q2 2013 191.63 6.1 % 147.88 7.9 % 126.19 9.6 %
Q3 2013 201.80 13.9 % 154.19 14.3 % 129.90 12.7 %
Q4 2013 205.25 7.9 % 153.20 4.8 % 131.19 11.7 %
Q1 2014 211.41 13.4 % 159.95 11.1 % 136.77 13.1 %
Q2 2014 213.99 11.7 % 160.10 8.3 % 140.77 11.6 %
Q3 2014 217.07 7.6 % 161.64 4.8 % 140.70 8.3 %
Q4 2014 214.59 4.6 % 164.08 7.1 % 133.49 1.8 %
Q1 2015 216.53 2.4 % 165.02 3.2 % 138.04 0.9 %
Q2 2015 222.48 4.0 % 167.07 4.4 % 137.10 (2.6 %)
Q3 2015 216.98 0.0 % 161.12 (0.3 %) 138.46 (1.6 %)
Q4 2015 223.32 4.1 % 167.85 2.3 % 145.07 8.7 %
Q1 2016 227.00 4.8 % 165.76 0.4 % 152.56 10.5 %
Q2 2016 227.78 2.4 % 164.04 (1.8 %) 154.67 12.8 %
Q3 2016 223.47 3.0 % 160.82 (0.2 %) 152.63 10.2 %
Q4 2016 217.62 (2.6 %) 156.68 (6.7 %) 142.91 (1.5 %)
Q1 2017 216.32 (4.7 %) 154.19 (7.0 %) 140.92 (7.6 %)
Q2 2017 218.99 (3.9 %) 156.98 (4.3 %) 141.18 (8.7 %)
Q3 2017 218.22 (2.3 %) 156.05 (3.0 %) 142.07 (6.9 %)
Q4 2017 216.28 (0.6 %) 154.37 (1.5 %) 138.84 (2.8 %)
Q1 2018 213.67 (1.2 %) 151.92 (1.5 %) 141.22 0.2 %
Q2 2018 215.48 (1.6 %) 153.42 (2.3 %) 144.31 2.2 %
Q3 2018 225.97 3.5 % 159.24 2.0 % 145.76 2.6 %
Q4 2018 229.90 6.3 % 169.82 10.0 % 151.02 8.8 %
Q1 2019 239.52 12.1 % 173.49 14.2 % 158.24 12.1 %
Q2 2019 246.12 14.2 % 176.51 15.1 % 161.32 11.8 %
Q3 2019 250.57 10.9 % 177.67 11.6 % 166.28 14.1 %
Q4 2019 265.79 15.6 % 194.52 14.5 % 173.98 15.2 %
Q1 2020 279.70 16.8 % 192.90 11.2 % 182.78 15.5 %

Ratios

Period Customer Deposits Per Total Assets Loans and advances/Total assets Loans and advances/Customers Deposits
Q1 2011 73.67 % 60.51 % 82.14 %
Q2 2011 74.58 % 62.28 % 83.51 %
Q3 2011 73.37 % 62.17 % 84.74 %
Q4 2011 77.30 % 62.45 % 80.80 %
Q1 2012 76.09 % 62.00 % 81.48 %
Q2 2012 75.87 % 63.71 % 83.97 %
Q3 2012 76.19 % 65.10 % 85.44 %
Q4 2012 76.88 % 61.77 % 80.34 %
Q1 2013 77.21 % 64.85 % 83.99 %
Q2 2013 77.17 % 65.85 % 85.33 %
Q3 2013 76.41 % 64.37 % 84.25 %
Q4 2013 74.64 % 63.92 % 85.63 %
Q1 2014 75.66 % 64.70 % 85.51 %
Q2 2014 74.82 % 65.78 % 87.93 %
Q3 2014 74.47 % 64.82 % 87.05 %
Q4 2014 76.46 % 62.21 % 81.36 %
Q1 2015 76.21 % 63.75 % 83.65 %
Q2 2015 75.10 % 61.62 % 82.06 %
Q3 2015 74.26 % 63.82 % 85.94 %
Q4 2015 75.16 % 64.96 % 86.42 %
Q1 2016 73.02 % 67.21 % 92.04 %
Q2 2016 72.02 % 67.90 % 94.28 %
Q3 2016 71.96 % 68.30 % 94.91 %
Q4 2016 72.00 % 65.67 % 91.21 %
Q1 2017 71.28 % 65.14 % 91.39 %
Q2 2017 71.68 % 64.47 % 89.94 %
Q3 2017 71.51 % 65.10 % 91.04 %
Q4 2017 71.37 % 64.19 % 89.94 %
Q1 2018 71.10 % 66.09 % 92.96 %
Q2 2018 71.20 % 66.97 % 94.06 %
Q3 2018 70.47 % 64.51 % 91.53 %
Q4 2018 73.87 % 65.69 % 88.93 %
Q1 2019 72.43 % 66.07 % 91.21 %
Q2 2019 71.72 % 65.55 % 91.40 %
Q3 2019 70.91 % 66.36 % 93.59 %
Q4 2019 73.19 % 65.46 % 89.44 %
Q1 2020 68.97 % 65.35 % 94.75 %


Per Share Data (Riyal)

Compared With The
Period Shares Outstanding (M) EPS (Riyal) Adjusted EPS (Riyal) EPS Diluted (Riyal) Book Value (BV)
Q1 2011 3,000.00 0.96 0.96 - 9.62
Q2 2011 3,000.00 0.98 0.98 - 9.91
Q3 2011 3,000.00 1.05 1.05 - 9.84
Q4 2011 3,000.00 1.05 1.05 - 10.05
Q1 2012 3,000.00 1.10 1.10 - 10.11
Q2 2012 3,000.00 1.13 1.13 - 10.32
Q3 2012 3,000.00 1.14 1.14 - 10.35
Q4 2012 3,000.00 1.16 1.16 - 10.65
Q1 2013 3,000.00 1.17 1.17 - 10.61
Q2 2013 3,000.00 1.19 1.19 - 10.54
Q3 2013 3,000.00 1.24 1.24 - 10.85
Q4 2013 3,000.00 1.32 1.32 - 11.29
Q1 2014 3,000.00 1.36 1.36 - 11.25
Q2 2014 3,000.00 1.41 1.41 - 11.27
Q3 2014 3,000.00 1.44 1.44 - 11.62
Q4 2014 3,000.00 1.45 1.45 1.45 11.85
Q1 2015 3,000.00 1.48 1.48 1.48 12.25
Q2 2015 3,000.00 1.48 1.39 1.48 12.19
Q3 2015 3,000.00 1.42 1.33 1.42 11.92
Q4 2015 3,000.00 1.35 1.26 1.35 12.18
Q1 2016 3,000.00 1.35 1.19 1.35 12.42
Q2 2016 3,000.00 1.36 1.29 1.35 12.47
Q3 2016 3,000.00 1.30 1.23 1.29 12.35
Q4 2016 3,000.00 1.11 1.05 1.10 12.32
Q1 2017 3,000.00 1.07 1.07 1.06 12.32
Q2 2017 3,000.00 0.97 0.97 0.96 12.21
Q3 2017 3,000.00 1.09 1.09 1.08 12.56
Q4 2017 3,000.00 1.32 1.32 1.32 12.87
Q1 2018 3,000.00 1.27 1.27 1.35 12.06
Q2 2018 3,000.00 1.27 1.27 1.35 12.31
Q3 2018 3,000.00 1.23 1.23 1.31 12.25
Q4 2018 3,000.00 1.03 1.28 1.11 12.26
Q1 2019 3,000.00 1.22 1.47 1.22 12.55
Q2 2019 3,000.00 1.44 1.69 1.44 13.14
Q3 2019 3,000.00 1.63 1.87 1.62 13.08
Q4 2019 3,000.00 1.87 1.87 1.86 13.52
Q1 2020 3,000.00 1.86 1.86 1.86 12.60

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Adjusted P/E Price/book
Q1 2011 13.74 13.74 1.37
Q2 2011 12.02 12.02 1.19
Q3 2011 11.32 11.32 1.20
Q4 2011 11.10 11.10 1.16
Q1 2012 11.69 11.69 1.28
Q2 2012 10.18 10.18 1.11
Q3 2012 9.92 9.92 1.10
Q4 2012 9.95 9.95 1.08
Q1 2013 9.77 9.77 1.08
Q2 2013 10.46 10.46 1.18
Q3 2013 10.59 10.59 1.21
Q4 2013 11.10 11.10 1.29
Q1 2014 12.84 12.84 1.55
Q2 2014 12.69 12.69 1.59
Q3 2014 14.65 14.65 1.82
Q4 2014 11.72 11.72 1.43
Q1 2015 11.36 11.36 1.37
Q2 2015 11.26 11.98 1.37
Q3 2015 9.87 10.53 1.18
Q4 2015 9.20 9.85 1.02
Q1 2016 8.33 9.42 0.91
Q2 2016 8.10 8.52 0.88
Q3 2016 7.76 8.18 0.81
Q4 2016 10.50 11.17 0.94
Q1 2017 9.94 9.94 0.86
Q2 2017 11.40 11.40 0.90
Q3 2017 10.88 10.88 0.94
Q4 2017 9.47 9.47 0.97
Q1 2018 10.27 10.27 1.15
Q2 2018 12.04 12.04 1.32
Q3 2018 12.69 12.69 1.36
Q4 2018 17.86 14.39 1.62
Q1 2019 19.75 16.42 1.92
Q2 2019 18.72 15.96 2.05
Q3 2019 15.06 13.07 1.87
Q4 2019 12.90 12.90 1.77
Q1 2020 8.04 8.04 1.19

Business Segments (Million)

Compared With The
Period Corporate and Institutional Banking Retail Trade and other business Investment Banking and Brokerage Others
Q1 2011 666.58 454.30 64.92 70.63 270.42
Q2 2011 741.78 516.95 468.40 80.77 (238.22)
Q3 2011 724.26 444.10 274.09 69.30 60.80
Q4 2011 723.67 506.07 262.36 76.83 37.80
Q1 2012 679.04 509.01 230.75 109.10 115.98
Q2 2012 762.63 531.61 415.54 91.62 2.90
Q3 2012 775.24 448.93 263.35 78.57 101.61
Q4 2012 726.82 517.09 240.89 74.23 111.34
Q1 2013 742.94 526.07 318.13 86.74 50.77
Q2 2013 832.84 629.02 258.35 88.54 6.73
Q3 2013 791.26 604.78 255.57 84.63 2.45
Q4 2013 845.08 613.48 209.64 92.89 34.14
Q1 2014 923.48 587.96 269.14 92.29 59.18
Q2 2014 889.64 681.85 334.94 113.23 75.32
Q3 2014 858.09 615.03 349.86 102.37 64.91
Q4 2014 950.36 617.23 242.76 100.75 83.42
Q1 2015 939.86 652.58 326.35 92.89 36.12
Q2 2015 886.75 658.54 251.82 103.87 267.05
Q3 2015 783.54 635.58 374.95 73.52 (5.48)
Q4 2015 758.45 785.92 177.09 92.85 73.72
Q1 2016 784.82 646.82 173.87 71.64 310.02
Q2 2016 689.06 645.57 418.92 81.80 191.64
Q3 2016 678.28 541.65 360.81 60.72 213.42
Q4 2016 711.12 487.81 281.76 68.43 284.12
Q1 2017 841.43 651.85 446.76 67.25 -
Q2 2017 888.49 648.55 366.37 80.51 -
Q3 2017 895.84 679.78 423.44 77.07 -
Q4 2017 845.40 694.78 439.93 77.78 -
Q1 2018 820.77 714.54 505.55 88.69 -
Q2 2018 837.53 720.71 529.62 85.68 -
Q3 2018 857.56 741.72 587.16 94.44 -
Q4 2018 1,036.97 1,020.89 214.08 111.49 -
Q1 2019 1,048.27 785.09 641.41 105.38 -
Q2 2019 1,128.27 964.07 440.48 136.75 -
Q3 2019 1,086.78 984.87 551.55 139.49 -
Q4 2019 975.68 985.51 536.51 206.96 -
Q1 2020 1,081.78 964.01 696.86 142.84 -

Analysts Estimates (Million)

Item Q1 2020 (e) Q1 2020 (a) Change‬
Average 1,200.00 1,476.43 23.04 %

Estimates vs Actual (Million)

Item Q1 2020 (e) Q1 2020 (a) Change
OSOOL AND BAKHEET 1,200.00 1,476.43 23.0 %


Financial Ratios
Current
Market Cap (M Riyal) 80,100.00
Shares Outstanding ((M)) 3,000.00
EPS ( Riyal) (TTM) 3.01
EPS Diluted ( Riyal) (TTM) 2.91
Book Value (BV) ( Riyal) 18.86
Par Value ( Riyal) 10.00
Adjusted P/E (Last12) 8.88
P/E (TTM) 8.88
Price/book 1.42
Return on Average Assets (%) (TTM) 2.2
Return on Average Equity (%) (TTM) 16.8
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Share Price

Riyad Bank
26.70
(0.05) (0.19 %)

Riyad Bank (RIBL)

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