Banque Saudi Fransi 2023 profit up 18% to SAR 4.22B; Q4 at SAR 827M

Banque Saudi Fransi 2023 profit up 18% to SAR 4.22B; Q4 at SAR 827M

05/02/2024 Argaam Exclusive

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Banque Saudi Fransi (BSF) reported a net profit of SAR 4.22 billion for 2023, an increase of 18% from SAR 3.57 billion in the year before.



Financials (M)

Item 2022 2023 Change‬
Net Special Commission Income 6,426.55 7,835.20 21.9 %
Operating Income 8,017.28 9,323.99 16.3 %
Total Provisions (1363.94) (1668.82) (22.4 %)
Net Income 3,575.13 4,222.73 18.1 %
Average Shares 1,205.36 1,205.36 0.0 %
EPS (Riyals) 2.97 3.50 18.1 %
EPS Diluted (Riyals) 2.79 3.33 19.4 %

Net special commission income rose by 21.9% year-on-year (YoY). This was mainly driven by higher returns from financing and investments, partially offset by an increase in special commission expenses.

 

Net income grew due to a 16.30% YoY rise in gross operating income, which was partially offset by a 15.02% YoY hike in total operating expenses.

 

BSF reported an 8% decline in Q4 2023 net profit to SAR 827 million, from SAR 903 million a year earlier.

 

Net profit also dropped 33.6% quarter-on-quarter from SAR 1.24 billion in Q3 2023.



Current Quarter Comparison (M)

Compared With The
Item Q4 2022 Q4 2023 Change‬
Net Special Commission Income 1,778.56 1,867.74 5.0 %
Operating Income 2,242.83 2,190.94 (2.3 %)
Debt Provisions (474.73) (405.97) 14.5 %
Net Income 902.68 827.48 (8.3 %)
Average Shares 1,205.36 1,205.36 0.0 %
EPS (Riyals) 0.75 0.69 (8.3 %)
EPS Diluted (Riyal) 0.71 0.64 (9.9 %)

Balance Sheet (B)

Item 2022 2023 Change‬
Assets 232.08 253.38 9.2 %
Customer Deposits 157.59 172.21 9.3 %
Loan 159.01 179.39 12.8 %

Shareholders’ equity, excluding minority interest and after deducting sukuk, rose to SAR 36.12 billion as of Dec. 31, 2023, from SAR 33.74 billion a year earlier.

 

View More Financial Results

 


Financial results (Million)

Period Net Special Commission Income Change Operating Income Change Debt Provisions Change
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 %)
Q4 2022 1,778.56 33.5 % 2,242.83 30.0 % (474.73) (182.7 %)
Q1 2023 1,923.96 36.0 % 2,318.08 27.3 % (485.05) (98.1 %)
Q2 2023 1,975.51 30.3 % 2,347.34 25.5 % (427.01) (44.8 %)
Q3 2023 2,067.99 20.5 % 2,467.63 18.5 % (350.79) (0.4 %)
Q4 2023 1,867.74 5.0 % 2,190.94 (2.3 %) (405.97) 14.5 %
2023 7,835.20 21.9 % 9,323.99 16.3 % (1,668.82) (22.4 %)


Profit Performance (Million)

Period Net Income Change EPS(Riyal) Extraordinary Income/Expense Net Profit Before Unusual Items EPS Before XO Items
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
Q4 2022 902.68 (9.1 %) 0.75 - 902.68 0.75
Q1 2023 1,076.40 23.1 % 0.89 - 1,076.40 0.89
Q2 2023 1,073.35 28.2 % 0.89 - 1,073.35 0.89
Q3 2023 1,245.49 29.6 % 1.03 - 1,245.49 1.03
Q4 2023 827.48 (8.3 %) 0.69 - 827.48 0.69
2023 4,222.73 18.1 % 3.50 - 4,222.73 3.50

Profitability

Period Return On Average Assets Return on Average Equity Net Interest Income/Total Operating Income
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 %
Q4 2022 1.60 % 10.45 % 80.16 %
Q1 2023 1.63 % 10.89 % 81.46 %
Q2 2023 1.68 % 11.90 % 82.24 %
Q3 2023 1.79 % 12.81 % 82.62 %
Q4 2023 1.74 % 12.09 % 84.03 %
2023 1.74 % 12.09 % 84.03 %

Balance Sheet (B)

Period Assets Change Customer Deposits Change Loan Change
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 %
Q4 2022 232.08 7.5 % 157.59 11.0 % 159.01 7.6 %
Q1 2023 240.24 8.1 % 167.41 11.0 % 164.78 7.9 %
Q2 2023 245.72 6.2 % 161.16 2.1 % 169.70 6.3 %
Q3 2023 249.86 7.9 % 166.37 5.4 % 174.68 10.2 %
Q4 2023 253.38 9.2 % 172.21 9.3 % 179.39 12.8 %

Ratios

Period Customer Deposits Per Total Assets Loans and advances/Total assets Loans and advances/Customers Deposits
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 %
Q4 2022 67.90 % 68.52 % 100.90 %
Q1 2023 69.69 % 68.59 % 98.43 %
Q2 2023 65.59 % 69.06 % 105.29 %
Q3 2023 66.58 % 69.91 % 105.00 %
Q4 2023 67.96 % 70.80 % 104.17 %


Per Share Data (Riyal)

Compared With The
Period Shares Outstanding (M) EPS (Riyal) Adjusted EPS (Riyal) EPS Diluted (Riyal) Book Value (BV)
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
Q4 2022 1,205.36 2.97 2.97 2.79 28.00
Q1 2023 1,205.36 3.13 3.13 2.96 28.98
Q2 2023 1,205.36 3.33 3.33 3.16 28.78
Q3 2023 1,205.36 3.57 3.57 3.40 28.44
Q4 2023 1,205.36 3.50 3.50 3.33 29.97

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Adjusted P/E Price/book
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
Q4 2022 13.62 13.62 1.45
Q1 2023 12.23 12.23 1.25
Q2 2023 12.46 12.46 1.45
Q3 2023 10.74 10.74 1.28
Q4 2023 11.35 11.35 1.33

Business Segments (Million)

Compared With The
Period Retail Corporate and Institutional Banking Global markets and Treasury Investment Banking and Brokerage
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
Q4 2022 694.52 1,060.42 367.41 120.49
Q1 2023 804.07 1,047.59 370.01 96.41
Q2 2023 882.84 1,024.48 332.40 107.63
Q3 2023 949.73 1,137.48 252.71 127.71
Q4 2023 942.31 1,057.38 54.04 137.22

Analysts Estimates (Million)

Item Q4 2023 (e) Q4 2023 (a) Change‬
Average 1,220.08 827.48 (32.2 %)

Estimates vs Actual (Million)

Item Q4 2023 (e) Q4 2023 (a) Change
Riyad Capital 1,173.00 827.48 (29.5) %
Bank of America 1,185.92 827.48 (30.2) %
Goldman Sachs 1,193.35 827.48 (30.7) %
Sico 1,203.00 827.48 (31.2) %
Hermes 1,238.00 827.48 (33.2) %
SNB Capital 1,258.00 827.48 (34.2) %
OSOOL AND BAKHEET 1,289.32 827.48 (35.8) %


Financial Ratios
Current
Market Cap (M Riyal) 37,668.75
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) 8.85
P/E (TTM) 8.85
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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