Banque Saudi Fransi’s 9M 2022 profit grows 9% to SAR 2.672 bln; Q3 at SAR 961 mln

Banque Saudi Fransi’s 9M 2022 profit grows 9% to SAR 2.672 bln; Q3 at SAR 961 mln

31/10/2022 Argaam Exclusive

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Banque Saudi Fransi (BSF) reported a 9% rise in net profit to SAR 2.672 billion in the first nine months of 2022, compared to SAR 2.457 billion a year earlier.



Financials (M)

Item 9m 2021 9m 2022 Change‬
Net Special Commission Income 4,041.35 4,647.99 15.0 %
Operating Income 5,463.15 5,774.45 5.7 %
Total Provisions (853.39) (889.22) (4.2 %)
Net Income 2,456.61 2,672.45 8.8 %
Average Shares 1,205.36 1,205.36 -
EPS (Riyals) 2.04 2.22 8.8 %
EPS Diluted (Riyals) 1.92 2.08 8.3 %

The profit growth was driven by a 7.67% rise year-on-year (YoY) in total operating income, which was partially offset by an increase in total operating expenses by 8.84% YoY.



Current Quarter Comparison (M)

Compared With The
Item Q3 2021 Q3 2022 Change‬
Net Special Commission Income 1,423.60 1,716.68 20.6 %
Operating Income 1,913.97 2,083.05 8.8 %
Debt Provisions (296.34) (349.50) (17.9 %)
Net Income 907.25 960.87 5.9 %
Average Shares 1,205.36 1,205.36 -
EPS (Riyals) 0.75 0.80 5.9 %
EPS Diluted (Riyal) 0.71 0.75 5.6 %

The third-quarter net earnings rose 6% to SAR 961 million, compared with SAR 907 million a year earlier, mainly due to a 11.55% YoY rise in total operating income.

 

On a sequential basis, Q3 2022 net profit grew 14.8% from SAR 837 million.

 

Total shareholders' equity, after minority interest, reached SAR 32.805 billion as of Sept. 30, 2022, compared with SAR 34.242 a year before.

Balance Sheet (B)

Item 9m 2021 9m 2022 Change‬
Assets 213.34 231.66 8.6 %
Customer Deposits 143.32 157.82 10.1 %
Loan 144.39 158.48 9.8 %

View more financial results

 


Financial results (Million)

Period Net Special Commission Income Change Operating Income Change Debt Provisions Change
Q1 2013 799.24 (0.3 %) 1,205.05 (1.2 %) (127.84) (108.7 %)
Q2 2013 830.50 (1.6 %) 1,282.64 0.0 % (107.59) 24.0 %
Q3 2013 869.60 5.3 % 1,284.06 5.2 % (169.01) 3.1 %
Q4 2013 863.96 3.6 % 1,280.78 (0.4 %) (552.98) (609.9 %)
Q1 2014 896.55 12.2 % 1,401.17 16.3 % (108.57) 15.1 %
Q2 2014 969.86 16.8 % 1,478.33 15.3 % (105.37) 2.1 %
Q3 2014 980.13 12.7 % 1,486.66 15.8 % (72.55) 57.1 %
Q4 2014 970.45 12.3 % 1,419.88 10.9 % (34.44) 93.8 %
Q1 2015 962.89 7.4 % 1,590.11 13.5 % (37.20) 65.7 %
Q2 2015 1,016.15 4.8 % 1,578.73 6.8 % (42.97) 59.2 %
Q3 2015 1,044.11 6.5 % 1,588.27 6.8 % (50.23) 30.8 %
Q4 2015 1,032.13 6.4 % 1,534.38 8.1 % (50.51) (46.7 %)
Q1 2016 1,062.82 10.4 % 1,644.92 3.4 % (41.74) (12.2 %)
Q2 2016 1,068.80 5.2 % 1,612.88 2.2 % (36.58) 14.9 %
Q3 2016 1,107.55 6.1 % 1,587.64 0.0 % (54.53) (8.6 %)
Q4 2016 1,017.03 (1.5 %) 1,554.28 1.3 % (635.53) (1,158.2 %)
Q1 2017 1,111.53 4.6 % 1,696.56 3.1 % (29.04) 30.4 %
Q2 2017 1,167.37 9.2 % 1,630.39 1.1 % (58.57) (60.1 %)
Q3 2017 1,207.13 9.0 % 1,629.57 2.6 % (55.68) (2.1 %)
Q4 2017 1,213.64 19.3 % 1,619.68 4.2 % (517.82) 18.5 %
Q1 2018 1,256.00 13.0 % 1,647.17 (2.9 %) (89.74) (209.0 %)
Q2 2018 1,252.35 7.3 % 1,665.13 2.1 % (126.18) (115.4 %)
Q3 2018 1,261.35 4.5 % 1,696.39 4.1 % (127.84) (129.6 %)
Q4 2018 1,247.18 2.8 % 1,692.64 4.5 % (566.73) (9.4 %)
Q1 2019 1,272.94 1.3 % 1,722.68 4.6 % (144.17) (60.6 %)
Q2 2019 1,297.53 3.6 % 1,706.43 2.5 % (200.32) (58.8 %)
Q3 2019 1,343.91 6.5 % 1,737.71 2.4 % (226.22) (77.0 %)
Q4 2019 1,291.30 3.5 % 1,705.72 0.8 % (437.86) 22.7 %
Q1 2020 1,287.24 1.1 % 1,756.94 2.0 % (397.57) (175.8 %)
Q2 2020 1,296.83 (0.1 %) 1,760.03 3.1 % (634.32) (216.7 %)
Q3 2020 1,375.04 2.3 % 1,750.75 0.8 % (930.45) (311.3 %)
Q4 2020 1,281.29 (0.8 %) 1,776.88 4.2 % (853.99) (95.0 %)
Q1 2021 1,287.32 0.0 % 1,795.51 2.2 % (290.08) 27.0 %
Q2 2021 1,330.43 2.6 % 1,753.66 (0.4 %) (266.97) 57.9 %
Q3 2021 1,423.60 3.5 % 1,913.97 9.3 % (296.34) 68.2 %
Q4 2021 1,332.10 4.0 % 1,724.70 (2.9 %) (167.96) 80.3 %
Q1 2022 1,414.85 9.9 % 1,821.04 1.4 % (244.89) 15.6 %
Q2 2022 1,516.47 14.0 % 1,870.36 6.7 % (294.82) (10.4 %)
Q3 2022 1,716.68 20.6 % 2,083.05 8.8 % (349.50) (17.9 %)


Profit Performance (Million)

Period Net Income Change EPS(Riyal) Extraordinary Income/Expense Net Profit Before Unusual Items EPS Before XO Items
Q1 2013 683.86 (13.3 %) 0.57 - 683.86 0.57
Q2 2013 762.64 0.7 % 0.63 - 762.64 0.63
Q3 2013 685.44 3.6 % 0.57 - 685.44 0.57
Q4 2013 273.65 (66.1 %) 0.23 - 273.65 0.23
Q1 2014 855.78 25.1 % 0.71 - 855.78 0.71
Q2 2014 884.24 15.9 % 0.73 - 884.24 0.73
Q3 2014 925.61 35.0 % 0.77 - 925.61 0.77
Q4 2014 850.71 210.9 % 0.71 - 850.71 0.71
Q1 2015 1,050.38 22.7 % 0.87 - 1,050.38 0.87
Q2 2015 1,015.83 14.9 % 0.84 - 1,015.83 0.84
Q3 2015 1,020.25 10.2 % 0.85 - 1,020.25 0.85
Q4 2015 949.98 11.7 % 0.79 - 949.98 0.79
Q1 2016 1,077.80 2.6 % 0.89 - 1,077.80 0.89
Q2 2016 1,048.19 3.2 % 0.87 - 1,048.19 0.87
Q3 2016 1,010.24 (1.0 %) 0.84 - 1,010.24 0.84
Q4 2016 374.01 (60.6 %) 0.31 - 374.01 0.31
Q1 2017 1,103.89 2.4 % 0.92 - 1,103.89 0.92
Q2 2017 1,004.69 (4.1 %) 0.83 - 1,004.69 0.83
Q3 2017 1,000.54 (1.0 %) 0.83 - 1,000.54 0.83
Q4 2017 422.77 13.0 % 0.35 - 422.77 0.35
Q1 2018 1,049.95 (4.9 %) 0.87 97.31 952.64 0.79
Q2 2018 841.31 (16.3 %) 0.70 - 841.31 0.70
Q3 2018 943.44 (5.7 %) 0.78 - 943.44 0.78
Q4 2018 (1431.68) (438.6 %) (1.19) (1510.67) 78.99 0.07
Q1 2019 916.83 (12.7 %) 0.76 - 916.83 0.76
Q2 2019 803.63 (4.5 %) 0.67 - 803.63 0.67
Q3 2019 880.00 (6.7 %) 0.73 - 880.00 0.73
Q4 2019 514.51 135.9 % 0.43 - 514.51 0.43
Q1 2020 682.08 (25.6 %) 0.57 - 682.08 0.57
Q2 2020 436.80 (45.6 %) 0.36 - 436.80 0.36
Q3 2020 333.39 (62.1 %) 0.28 - 333.39 0.28
Q4 2020 93.95 (81.7 %) 0.08 - 93.95 0.08
Q1 2021 779.68 14.3 % 0.65 - 779.68 0.65
Q2 2021 769.68 76.2 % 0.64 - 769.68 0.64
Q3 2021 907.25 172.1 % 0.75 - 907.25 0.75
Q4 2021 993.27 957.3 % 0.82 - 993.27 0.82
Q1 2022 874.57 12.2 % 0.73 - 874.57 0.73
Q2 2022 837.02 8.7 % 0.69 - 837.02 0.69
Q3 2022 960.87 5.9 % 0.80 - 960.87 0.80

Profitability

Period Return On Average Assets Return on Average Equity Net Interest Income/Total Operating Income
Q1 2013 1.85 % 13.24 % 66.14 %
Q2 2013 1.86 % 13.15 % 65.87 %
Q3 2013 1.82 % 12.93 % 65.90 %
Q4 2013 1.47 % 10.48 % 66.57 %
Q1 2014 1.48 % 10.85 % 65.93 %
Q2 2014 1.54 % 11.20 % 66.12 %
Q3 2014 1.67 % 12.12 % 65.71 %
Q4 2014 1.96 % 14.15 % 65.97 %
Q1 2015 1.96 % 14.22 % 64.99 %
Q2 2015 2.08 % 14.45 % 64.68 %
Q3 2015 2.14 % 14.69 % 64.65 %
Q4 2015 2.17 % 14.96 % 64.46 %
Q1 2016 2.15 % 14.23 % 65.47 %
Q2 2016 2.16 % 14.48 % 65.95 %
Q3 2016 2.15 % 14.38 % 66.95 %
Q4 2016 1.81 % 12.28 % 66.51 %
Q1 2017 1.82 % 11.82 % 66.73 %
Q2 2017 1.75 % 11.59 % 68.07 %
Q3 2017 1.75 % 11.61 % 69.16 %
Q4 2017 1.78 % 11.51 % 71.46 %
Q1 2018 1.79 % 11.14 % 74.22 %
Q2 2018 1.68 % 10.39 % 75.12 %
Q3 2018 1.67 % 10.27 % 75.18 %
Q4 2018 0.73 % 4.49 % 74.86 %
Q1 2019 0.68 % 3.97 % 74.28 %
Q2 2019 0.66 % 3.81 % 74.49 %
Q3 2019 0.62 % 3.62 % 75.25 %
Q4 2019 1.69 % 9.76 % 75.75 %
Q1 2020 1.48 % 8.70 % 75.58 %
Q2 2020 1.29 % 7.58 % 74.99 %
Q3 2020 1.02 % 5.93 % 75.29 %
Q4 2020 0.83 % 4.64 % 74.39 %
Q1 2021 0.82 % 4.82 % 73.98 %
Q2 2021 0.96 % 5.82 % 74.53 %
Q3 2021 1.24 % 7.51 % 73.52 %
Q4 2021 1.68 % 10.10 % 74.76 %
Q1 2022 1.67 % 10.33 % 76.26 %
Q2 2022 1.63 % 10.78 % 77.58 %
Q3 2022 1.65 % 10.93 % 79.74 %

Balance Sheet (B)

Period Assets Change Customer Deposits Change Loan Change
Q1 2013 163.99 9.0 % 119.26 5.9 % 105.81 8.6 %
Q2 2013 165.78 12.7 % 124.58 14.3 % 110.24 9.7 %
Q3 2013 168.04 8.4 % 124.96 6.9 % 112.57 10.1 %
Q4 2013 170.06 7.8 % 131.60 13.9 % 111.31 8.3 %
Q1 2014 184.28 12.4 % 137.91 15.6 % 114.84 8.5 %
Q2 2014 184.31 11.2 % 134.41 7.9 % 117.39 6.5 %
Q3 2014 183.24 9.0 % 131.94 5.6 % 118.22 5.0 %
Q4 2014 188.78 11.0 % 145.28 10.4 % 116.54 4.7 %
Q1 2015 193.88 5.2 % 150.21 8.9 % 120.79 5.2 %
Q2 2015 185.95 0.9 % 142.63 6.1 % 125.04 6.5 %
Q3 2015 184.99 1.0 % 143.95 9.1 % 124.41 5.2 %
Q4 2015 183.72 (2.7 %) 141.85 (2.4 %) 123.77 6.2 %
Q1 2016 184.02 (5.1 %) 141.82 (5.6 %) 124.98 3.5 %
Q2 2016 193.91 4.3 % 138.81 (2.7 %) 129.64 3.7 %
Q3 2016 195.74 5.8 % 147.28 2.3 % 133.94 7.7 %
Q4 2016 203.43 10.7 % 158.46 11.7 % 129.46 4.6 %
Q1 2017 204.36 11.1 % 158.47 11.7 % 129.09 3.3 %
Q2 2017 205.34 5.9 % 163.90 18.1 % 129.38 (0.2 %)
Q3 2017 201.70 3.0 % 155.47 5.6 % 128.95 (3.7 %)
Q4 2017 192.93 (5.2 %) 150.95 (4.7 %) 121.94 (5.8 %)
Q1 2018 184.02 (10.0 %) 141.94 (10.4 %) 123.88 (4.0 %)
Q2 2018 188.96 (8.0 %) 146.70 (10.5 %) 122.81 (5.1 %)
Q3 2018 189.34 (6.1 %) 146.69 (5.6 %) 123.70 (4.1 %)
Q4 2018 190.25 (1.4 %) 148.37 (1.7 %) 120.63 (1.1 %)
Q1 2019 190.04 3.3 % 144.82 2.0 % 121.27 (2.1 %)
Q2 2019 186.58 (1.3 %) 142.23 (3.1 %) 124.23 1.2 %
Q3 2019 186.37 (1.6 %) 141.90 (3.3 %) 123.44 (0.2 %)
Q4 2019 178.15 (6.4 %) 132.84 (10.5 %) 125.73 4.2 %
Q1 2020 199.18 4.8 % 146.77 1.3 % 134.88 11.2 %
Q2 2020 201.95 8.2 % 138.05 (2.9 %) 135.75 9.3 %
Q3 2020 197.44 5.9 % 135.65 (4.4 %) 134.36 8.8 %
Q4 2020 194.07 8.9 % 127.11 (4.3 %) 130.56 3.8 %
Q1 2021 202.23 1.5 % 132.99 (9.4 %) 134.10 (0.6 %)
Q2 2021 211.31 4.6 % 140.80 2.0 % 141.81 4.5 %
Q3 2021 213.34 8.0 % 143.32 5.7 % 144.39 7.5 %
Q4 2021 215.80 11.2 % 141.95 11.7 % 147.81 13.2 %
Q1 2022 222.21 9.9 % 150.76 13.4 % 152.69 13.9 %
Q2 2022 231.27 9.4 % 157.92 12.2 % 159.62 12.6 %
Q3 2022 231.66 8.6 % 157.82 10.1 % 158.48 9.8 %

Ratios

Period Customer Deposits Per Total Assets Loans and advances/Total assets Loans and advances/Customers Deposits
Q1 2013 72.72 % 64.52 % 88.73 %
Q2 2013 75.14 % 66.49 % 88.49 %
Q3 2013 74.36 % 66.99 % 90.09 %
Q4 2013 77.39 % 65.45 % 84.58 %
Q1 2014 74.84 % 62.32 % 83.27 %
Q2 2014 72.92 % 63.69 % 87.34 %
Q3 2014 72.00 % 64.52 % 89.60 %
Q4 2014 76.96 % 61.73 % 80.22 %
Q1 2015 77.47 % 62.30 % 80.42 %
Q2 2015 76.70 % 67.24 % 87.67 %
Q3 2015 77.82 % 67.25 % 86.43 %
Q4 2015 77.21 % 67.37 % 87.25 %
Q1 2016 77.07 % 67.92 % 88.12 %
Q2 2016 71.58 % 66.85 % 93.39 %
Q3 2016 75.24 % 68.43 % 90.94 %
Q4 2016 77.89 % 63.64 % 81.70 %
Q1 2017 77.54 % 63.17 % 81.46 %
Q2 2017 79.82 % 63.01 % 78.94 %
Q3 2017 77.08 % 63.93 % 82.94 %
Q4 2017 78.24 % 63.20 % 80.78 %
Q1 2018 77.14 % 67.32 % 87.28 %
Q2 2018 77.64 % 64.99 % 83.71 %
Q3 2018 77.48 % 65.33 % 84.33 %
Q4 2018 77.99 % 63.41 % 81.31 %
Q1 2019 76.21 % 63.82 % 83.74 %
Q2 2019 76.23 % 66.58 % 87.35 %
Q3 2019 76.14 % 66.23 % 86.99 %
Q4 2019 74.57 % 70.57 % 94.65 %
Q1 2020 73.69 % 67.72 % 91.90 %
Q2 2020 68.36 % 67.22 % 98.34 %
Q3 2020 68.71 % 68.05 % 99.04 %
Q4 2020 65.50 % 67.28 % 102.72 %
Q1 2021 65.76 % 66.31 % 100.84 %
Q2 2021 66.63 % 67.11 % 100.71 %
Q3 2021 67.18 % 67.68 % 100.75 %
Q4 2021 65.78 % 68.49 % 104.13 %
Q1 2022 67.84 % 68.71 % 101.28 %
Q2 2022 68.28 % 69.02 % 101.08 %
Q3 2022 68.13 % 68.41 % 100.42 %


Per Share Data (Riyal)

Compared With The
Period Shares Outstanding (M) EPS (Riyal) Adjusted EPS (Riyal) EPS Diluted (Riyal) Book Value (BV)
Q1 2013 1,205.36 2.41 2.41 - 19.38
Q2 2013 1,205.36 2.42 2.42 - 19.08
Q3 2013 1,205.36 2.44 2.44 - 19.31
Q4 2013 1,205.36 2.00 2.00 - 19.26
Q1 2014 1,205.36 2.14 2.14 - 20.03
Q2 2014 1,205.36 2.24 2.24 - 20.92
Q3 2014 1,205.36 2.44 2.44 - 20.94
Q4 2014 1,205.36 2.92 2.92 2.92 21.96
Q1 2015 1,205.36 3.08 3.08 3.08 23.28
Q2 2015 1,205.36 3.19 3.19 3.19 23.19
Q3 2015 1,205.36 3.27 3.27 3.27 23.53
Q4 2015 1,205.36 3.35 3.35 3.35 22.80
Q1 2016 1,205.36 3.37 3.37 3.37 24.10
Q2 2016 1,205.36 3.40 3.40 3.40 23.76
Q3 2016 1,205.36 3.39 3.39 3.39 23.61
Q4 2016 1,205.36 2.91 2.91 2.91 24.64
Q1 2017 1,205.36 2.93 2.93 2.94 25.53
Q2 2017 1,205.36 2.90 2.90 2.91 26.24
Q3 2017 1,205.36 2.89 2.89 2.90 26.18
Q4 2017 1,205.36 2.93 2.93 2.94 26.27
Q1 2018 1,205.36 2.89 2.80 2.95 26.29
Q2 2018 1,205.36 2.75 2.67 2.81 26.67
Q3 2018 1,205.36 2.70 2.62 2.77 26.45
Q4 2018 1,205.36 1.16 2.34 3.35 25.60
Q1 2019 1,205.36 1.05 2.31 3.18 26.75
Q2 2019 1,205.36 1.02 2.28 3.15 27.05
Q3 2019 1,205.36 0.97 2.22 3.09 27.06
Q4 2019 1,205.36 2.58 2.58 2.59 27.33
Q1 2020 1,205.36 2.39 2.39 2.40 28.16
Q2 2020 1,205.36 2.09 2.09 2.09 27.94
Q3 2020 1,205.36 1.63 1.63 1.64 27.94
Q4 2020 1,205.36 1.28 1.28 1.24 27.91
Q1 2021 1,205.36 1.36 1.36 1.29 28.37
Q2 2021 1,205.36 1.64 1.64 1.52 28.42
Q3 2021 1,205.36 2.12 2.12 1.95 28.41
Q4 2021 1,205.36 2.86 2.86 2.70 28.78
Q1 2022 1,205.36 2.94 2.94 2.76 28.56
Q2 2022 1,205.36 3.00 3.00 2.82 27.16
Q3 2022 1,205.36 3.04 3.04 2.86 27.22

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Adjusted P/E Price/book
Q1 2013 9.48 9.48 1.18
Q2 2013 10.05 10.05 1.27
Q3 2013 10.52 10.52 1.33
Q4 2013 13.12 13.12 1.36
Q1 2014 14.21 14.21 1.52
Q2 2014 13.62 13.62 1.46
Q3 2014 15.70 15.70 1.83
Q4 2014 10.73 10.73 1.43
Q1 2015 10.84 10.84 1.44
Q2 2015 10.08 10.08 1.39
Q3 2015 9.17 9.17 1.27
Q4 2015 8.36 8.36 1.23
Q1 2016 7.50 7.50 1.05
Q2 2016 6.60 6.60 0.94
Q3 2016 6.21 6.21 0.89
Q4 2016 8.94 8.94 1.06
Q1 2017 8.81 8.81 1.01
Q2 2017 10.63 10.63 1.18
Q3 2017 10.42 10.42 1.15
Q4 2017 9.73 9.73 1.09
Q1 2018 9.95 10.24 1.12
Q2 2018 12.06 12.43 1.27
Q3 2018 12.04 12.41 1.26
Q4 2018 9.37 4.67 1.23
Q1 2019 11.67 5.33 1.39
Q2 2019 13.19 5.93 1.54
Q3 2019 10.44 4.55 1.19
Q4 2019 14.63 14.63 1.39
Q1 2020 10.77 10.77 0.92
Q2 2020 13.66 13.66 1.02
Q3 2020 19.70 19.70 1.16
Q4 2020 25.48 25.48 1.13
Q1 2021 25.85 25.85 1.18
Q2 2021 25.26 25.26 1.35
Q3 2021 21.38 21.38 1.47
Q4 2021 17.50 17.50 1.64
Q1 2022 19.46 19.46 1.88
Q2 2022 15.76 15.76 1.75
Q3 2022 14.69 14.69 1.54

Business Segments (Million)

Compared With The
Period Retail Corporate and Institutional Banking Global markets and Treasury Investment Banking and Brokerage
Q1 2013 356.29 629.23 149.70 69.83
Q2 2013 365.86 637.15 201.95 77.68
Q3 2013 363.05 637.84 220.42 62.75
Q4 2013 365.16 614.76 234.13 66.73
Q1 2014 359.17 641.86 317.26 82.88
Q2 2014 363.90 677.81 323.07 113.54
Q3 2014 358.79 710.77 327.64 89.46
Q4 2014 337.63 710.37 295.37 76.51
Q1 2015 356.05 751.84 394.64 87.58
Q2 2015 384.66 783.42 310.86 99.80
Q3 2015 387.40 789.72 337.51 73.65
Q4 2015 378.07 733.50 362.98 59.83
Q1 2016 388.71 788.11 404.21 63.89
Q2 2016 376.51 778.41 372.61 85.35
Q3 2016 369.75 787.13 373.80 56.95
Q4 2016 356.09 749.20 380.12 68.87
Q1 2017 381.68 808.87 443.31 62.71
Q2 2017 393.76 744.34 431.18 61.12
Q3 2017 403.67 719.52 440.01 66.36
Q4 2017 373.70 727.85 444.55 73.59
Q1 2018 407.50 758.45 519.07 59.45
Q2 2018 407.35 751.38 424.40 82.01
Q3 2018 462.47 780.06 392.81 61.04
Q4 2018 473.69 802.76 340.72 75.47
Q1 2019 459.73 780.74 404.56 77.65
Q2 2019 480.12 738.08 411.06 77.17
Q3 2019 466.64 806.94 403.56 60.59
Q4 2019 478.28 734.02 415.17 78.26
Q1 2020 459.26 740.72 474.75 82.22
Q2 2020 421.72 773.10 490.01 75.20
Q3 2020 473.03 715.80 473.82 88.10
Q4 2020 456.72 696.80 507.10 116.25
Q1 2021 488.28 717.24 453.16 136.84
Q2 2021 485.90 715.32 444.85 107.59
Q3 2021 472.08 802.68 528.60 110.61
Q4 2021 419.61 708.78 432.08 104.32
Q1 2022 464.79 724.53 513.22 118.50
Q2 2022 515.25 790.28 452.03 112.81
Q3 2022 582.32 968.71 433.14 98.88

Analysts Estimates (Million)

Item Q3 2022 (e) Q3 2022 (a) Change‬
Average 911.81 960.87 5.38 %

Estimates vs Actual (Million)

Item Q3 2022 (e) Q3 2022 (a) Change
Riyad Capital 954.00 960.87 0.7 %
OSOOL AND BAKHEET 915.92 960.87 4.9 %
Hermes 915.00 960.87 5.0 %
SNB Capital 912.00 960.87 5.4 %
Sico 894.00 960.87 7.5 %
Goldman Sachs 879.94 960.87 9.2 %


Financial Ratios
Current
Market Cap (M Riyal) 37,608.48
Shares Outstanding ((M)) 1,205.40
EPS ( Riyal) (TTM) 3.53
EPS Diluted ( Riyal) (TTM) 3.35
Book Value (BV) ( Riyal) 31.62
Par Value ( Riyal) 10.00
Adjusted P/E (Last12) 8.84
P/E (TTM) 8.84
Price/book 0.99
Return on Average Assets (%) (TTM) 1.6
Return on Average Equity (%) (TTM) 11.8
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Share Price

Banque Saudi Fransi
31.20
0.15 0.48 %

Banque Saudi Fransi (BSF)

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