Riyad Bank’s profit rises 13% to SAR 4.991 bln in 9M 2022; Q3 at SAR 1.828 bln

Riyad Bank’s profit rises 13% to SAR 4.991 bln in 9M 2022; Q3 at SAR 1.828 bln

23/10/2022 Argaam Exclusive

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Riyad Bank reported a net profit of SAR 4.991 billion for the first nine months of 2022, an increase of 13%, compared to SAR 4.408 billion in the prior-year period, driven by higher total operating income. 



Financials (M)

Item 9m 2021 9m 2022 Change‬
Net Special Commission Income 6,223.54 7,200.79 15.7 %
Operating Income 8,618.50 9,857.12 14.4 %
Total Provisions (617.34) (652.71) (5.7 %)
Net Income 4,408.02 4,991.49 13.2 %
Average Shares 3,000.00 3,000.00 -
EPS (Riyals) 1.47 1.66 13.2 %
EPS Diluted (Riyals) 1.47 1.64 11.6 %

The bank’s Q3 2022 net profit increased by 19% year-on-year (YoY) to SAR 1.828 billion, due to a rise in total operating income and an increase in net special commission income, exchange income, net fee and commission income, and other operating earnings.  

 

On a sequential basis, net profit grew 13.5%.



Current Quarter Comparison (M)

Compared With The
Item Q3 2021 Q3 2022 Change‬
Net Special Commission Income 1,981.71 2,672.19 34.8 %
Operating Income 2,816.58 3,525.13 25.2 %
Debt Provisions (138.62) (203.53) (46.8 %)
Net Income 1,542.81 1,827.67 18.5 %
Average Shares 3,000.00 3,000.00 -
EPS (Riyals) 0.51 0.61 18.5 %
EPS Diluted (Riyal) 0.51 0.60 17.6 %

Total shareholders' equity, after minority interest, grew to SAR 46.776 billion as of Sept. 30, 2022 from SAR 46.050 billion a year earlier. 

Balance Sheet (B)

Item 9m 2021 9m 2022 Change‬
Assets 318.66 347.88 9.2 %
Customer Deposits 204.00 235.89 15.6 %
Loan 210.48 241.59 14.8 %


Financial results (Million)

Period Net Special Commission Income Change Operating Income Change Debt Provisions Change
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 %)
Q2 2020 2,115.75 7.8 % 2,708.95 1.5 % (569.99) (101.4 %)
Q3 2020 2,072.67 1.9 % 2,820.99 2.1 % (466.07) (145.5 %)
Q4 2020 2,035.87 0.2 % 2,789.71 3.1 % (647.62) (93.4 %)
Q1 2021 2,095.80 5.4 % 2,823.83 (2.1 %) (249.40) 17.8 %
Q2 2021 2,146.02 1.4 % 2,978.09 9.9 % (229.32) 59.8 %
Q3 2021 1,981.71 (4.4 %) 2,816.58 (0.2 %) (138.62) 70.3 %
Q4 2021 2,069.63 1.7 % 2,949.34 5.7 % (243.52) 62.4 %
Q1 2022 2,131.88 1.7 % 3,101.53 9.8 % (147.66) 40.8 %
Q2 2022 2,396.73 11.7 % 3,230.47 8.5 % (301.53) (31.5 %)
Q3 2022 2,672.19 34.8 % 3,525.13 25.2 % (203.53) (46.8 %)


Profit Performance (Million)

Period Net Income Change EPS(Riyal) Extraordinary Income/Expense Net Profit Before Unusual Items EPS Before XO Items
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
Q2 2020 1,063.05 (29.1 %) 0.35 - 1,063.05 0.35
Q3 2020 1,295.98 (14.0 %) 0.43 - 1,295.98 0.43
Q4 2020 879.54 (20.8 %) 0.29 - 879.54 0.29
Q1 2021 1,353.62 (8.3 %) 0.45 - 1,353.62 0.45
Q2 2021 1,511.60 42.2 % 0.50 - 1,511.60 0.50
Q3 2021 1,542.81 19.0 % 0.51 - 1,542.81 0.51
Q4 2021 1,617.36 83.9 % 0.54 - 1,617.36 0.54
Q1 2022 1,552.59 14.7 % 0.52 - 1,552.59 0.52
Q2 2022 1,611.23 6.6 % 0.54 - 1,611.23 0.54
Q3 2022 1,827.67 18.5 % 0.61 - 1,827.67 0.61

Profitability

Period Return On Average Assets Return on Average Equity Net Interest Income/Total Operating Income
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 %
Q2 2020 1.91 % 12.86 % 73.86 %
Q3 2020 1.77 % 12.08 % 73.82 %
Q4 2020 1.64 % 11.10 % 73.30 %
Q1 2021 1.56 % 11.20 % 74.66 %
Q2 2021 1.65 % 11.81 % 73.17 %
Q3 2021 1.69 % 11.92 % 72.40 %
Q4 2021 1.90 % 13.15 % 71.69 %
Q1 2022 1.90 % 13.49 % 70.32 %
Q2 2022 1.87 % 13.87 % 70.92 %
Q3 2022 1.98 % 14.24 % 72.39 %

Balance Sheet (B)

Period Assets Change Customer Deposits Change Loan Change
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 %
Q2 2020 295.08 19.9 % 199.99 13.3 % 187.65 16.3 %
Q3 2020 308.56 23.1 % 201.29 13.3 % 190.82 14.8 %
Q4 2020 310.09 16.7 % 203.04 4.4 % 191.35 10.0 %
Q1 2021 308.04 10.1 % 198.60 3.0 % 196.44 7.5 %
Q2 2021 317.27 7.5 % 202.45 1.2 % 204.74 9.1 %
Q3 2021 318.66 3.3 % 204.00 1.3 % 210.48 10.3 %
Q4 2021 325.74 5.0 % 211.68 4.3 % 217.29 13.6 %
Q1 2022 348.47 13.1 % 232.42 17.0 % 234.79 19.5 %
Q2 2022 357.95 12.8 % 237.48 17.3 % 239.65 17.0 %
Q3 2022 347.88 9.2 % 235.89 15.6 % 241.59 14.8 %

Ratios

Period Customer Deposits Per Total Assets Loans and advances/Total assets Loans and advances/Customers Deposits
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 %
Q2 2020 67.77 % 63.59 % 93.83 %
Q3 2020 65.24 % 61.84 % 94.80 %
Q4 2020 65.48 % 61.71 % 94.24 %
Q1 2021 64.47 % 63.77 % 98.91 %
Q2 2021 63.81 % 64.53 % 101.13 %
Q3 2021 64.02 % 66.05 % 103.18 %
Q4 2021 64.98 % 66.71 % 102.65 %
Q1 2022 66.70 % 67.38 % 101.02 %
Q2 2022 66.34 % 66.95 % 100.92 %
Q3 2022 67.81 % 69.44 % 102.41 %


Per Share Data (Riyal)

Compared With The
Period Shares Outstanding (M) EPS (Riyal) Adjusted EPS (Riyal) EPS Diluted (Riyal) Book Value (BV)
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
Q2 2020 3,000.00 1.72 1.72 1.71 13.60
Q3 2020 3,000.00 1.65 1.65 1.64 14.22
Q4 2020 3,000.00 1.57 1.57 1.56 14.79
Q1 2021 3,000.00 1.53 1.53 1.52 14.74
Q2 2021 3,000.00 1.68 1.68 1.67 14.85
Q3 2021 3,000.00 1.76 1.76 1.75 15.35
Q4 2021 3,000.00 2.01 2.01 2.00 15.77
Q1 2022 3,000.00 2.07 2.07 2.06 16.02
Q2 2022 3,000.00 2.11 2.11 2.09 15.55
Q3 2022 3,000.00 2.20 2.20 2.18 15.59

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Adjusted P/E Price/book
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
Q2 2020 9.86 9.86 1.24
Q3 2020 11.37 11.37 1.31
Q4 2020 12.95 12.95 1.37
Q1 2021 14.76 14.76 1.52
Q2 2021 15.87 15.87 1.78
Q3 2021 15.43 15.43 1.76
Q4 2021 13.55 13.55 1.72
Q1 2022 18.23 18.23 2.34
Q2 2022 15.36 15.36 2.06
Q3 2022 14.56 14.56 2.04

Business Segments (Million)

Compared With The
Period Corporate and Institutional Banking Retail Trade and other business Investment Banking and Brokerage Others
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 -
Q2 2020 1,052.17 870.68 615.42 170.68 -
Q3 2020 1,160.71 958.91 509.11 192.27 -
Q4 2020 1,006.93 950.85 570.81 261.01 -
Q1 2021 1,104.71 922.74 588.82 207.56 -
Q2 2021 1,144.65 979.06 635.58 218.80 -
Q3 2021 954.48 959.05 723.01 180.05 -
Q4 2021 1,110.56 886.17 586.12 366.48 -
Q1 2022 1,182.29 1,010.37 636.27 272.61 -
Q2 2022 1,358.27 1,103.49 541.60 227.11 -
Q3 2022 2,083.89 1,083.46 125.21 232.56 -

Analysts Estimates (Million)

Item Q3 2022 (e) Q3 2022 (a) Change‬
Average 1,751.67 1,827.67 4.34 %

Estimates vs Actual (Million)

Item Q3 2022 (e) Q3 2022 (a) Change
OSOOL AND BAKHEET 1,872.66 1,827.67 (2.4) %
Goldman Sachs 1,770.00 1,827.67 3.3 %
Hermes 1,758.00 1,827.67 4.0 %
Sico 1,606.00 1,827.67 13.8 %

Current
Market Cap (M Riyal) 86,100.00
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) 9.55
P/E (TTM) 9.55
Price/book 1.52
Return on Average Assets (%) (TTM) 2.2
Return on Average Equity (%) (TTM) 16.8

Share Price

28.70
(0.05) (0.17 %)

Riyad Bank (RIBL)


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