Alinma Bank reported a net profit of SAR 2.738 billion for the first nine months of 2022, an increase of 31% compared to SAR 2.090 billion in a year-earlier period.
The nine-month total operating income jumped by 16.8%, mainly on higher net income from financing and investment, fee income, fair value through income statement (FVIS) investment income, exchange income and other operating income.
Item | 9m 2021 | 9m 2022 | Change |
---|---|---|---|
Net Income from investments and financial activities | 3,830.96 | 4,398.66 | 14.8 % |
Operating Income | 4,979.44 | 5,815.18 | 16.8 % |
Total Provisions | (962.62) | (761.91) | 20.9 % |
Net Income | 2,090.26 | 2,738.86 | 31.0 % |
Average Shares | 2,500.00 | 2,500.00 | - |
EPS (Riyals) | 0.84 | 1.10 | 31.0 % |
EPS Diluted (Riyals) | 0.84 | 1.06 | 26.7 % |
Q3 2022 net profit amounted to SAR 989 million, up 34% from SAR 738.1 million in a prior-year period, due to a 20.5% year-on-year (YoY) surge in total operating income, mainly on the increase in net income from financing and investment, fee income, exchange income and other operating income.
On a sequential basis, Q3 net profit grew 6.91% from SAR 925.09 million in Q2 2022.
Item | Q3 2021 | Q3 2022 | Change |
---|---|---|---|
Net Income from investments and financial activities | 1,392.89 | 1,673.65 | 20.2 % |
Operating Income | 1,722.06 | 2,075.43 | 20.5 % |
Debt Provisions | (279.06) | (272.53) | 2.3 % |
Net Income | 738.09 | 989.03 | 34.0 % |
Average Shares | 2,500.00 | 2,500.00 | - |
EPS (Riyals) | 0.30 | 0.40 | 34.0 % |
EPS Diluted (Riyal) | 0.30 | 0.38 | 28.0 % |
Item | Q2 2022 | Q3 2022 | Change |
---|---|---|---|
Net Income from investments and financial activities | 1,413.49 | 1,673.65 | 18.4 % |
Operating Income | 1,932.14 | 2,075.43 | 7.4 % |
Debt Provisions | (248.35) | (272.53) | (9.7 %) |
Net Income | 925.09 | 989.03 | 6.9 % |
Average Shares | 2,500.00 | 2,500.00 | - |
EPS (Riyals) | 0.37 | 0.40 | 6.9 % |
EPS Diluted (Riyal) | 0.35 | 0.38 | 9.1 % |
Shareholders’ equity, no minority interest, excluding sukuk, reached SAR 26.302 billion by the end of the nine-month period, compared to SAR 25.164 billion in a year-earlier period.
Item | 9m 2021 | 9m 2022 | Change |
---|---|---|---|
Assets | 166.81 | 193.23 | 15.8 % |
Customer Deposits | 116.65 | 132.05 | 13.2 % |
Financing Investments | 121.32 | 139.99 | 15.4 % |
Period | Net Income from investments and financial activities | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
Q1 2013 | 443.27 | 34.2 % | 521.71 | 32.7 % | (51.03) | (202.4 %) |
Q2 2013 | 456.91 | 31.9 % | 559.13 | 15.5 % | (60.49) | 10.3 % |
Q3 2013 | 460.46 | 13.1 % | 542.46 | 18.2 % | (28.31) | 35.8 % |
Q4 2013 | 474.20 | 9.4 % | 655.78 | 33.9 % | (134.40) | (416.6 %) |
2013 | 1,834.84 | 20.9 % | 2,279.08 | 24.8 % | (274.22) | (77.6 %) |
Q1 2014 | 512.62 | 15.6 % | 599.84 | 15.0 % | (24.98) | 51.1 % |
Q2 2014 | 501.80 | 9.8 % | 611.44 | 9.4 % | (15.65) | 74.1 % |
Q3 2014 | 529.49 | 15.0 % | 687.33 | 26.7 % | (50.65) | (78.9 %) |
Q4 2014 | 531.05 | 12.0 % | 721.31 | 10.0 % | (70.40) | 47.6 % |
2014 | 2,074.95 | 13.1 % | 2,619.84 | 15.0 % | (161.67) | 41.0 % |
Q1 2015 | 550.00 | 7.3 % | 729.60 | 21.6 % | (70.12) | (180.8 %) |
Q2 2015 | 610.46 | 21.7 % | 845.51 | 38.3 % | (78.13) | (399.3 %) |
Q3 2015 | 547.52 | 3.4 % | 707.94 | 3.0 % | (10.33) | 79.6 % |
Q4 2015 | 570.72 | 7.5 % | 779.70 | 8.1 % | (37.59) | 46.6 % |
2015 | 2,278.69 | 9.8 % | 3,062.74 | 16.9 % | (196.17) | (21.3 %) |
Q1 2016 | 611.17 | 11.1 % | 734.32 | 0.6 % | (13.03) | 81.4 % |
Q2 2016 | 626.79 | 2.7 % | 819.89 | (3.0 %) | (24.70) | 68.4 % |
Q3 2016 | 687.54 | 25.6 % | 828.72 | 17.1 % | (41.43) | (301.2 %) |
Q4 2016 | 726.60 | 27.3 % | 944.88 | 21.2 % | (115.99) | (208.5 %) |
2016 | 2,652.10 | 16.4 % | 3,327.80 | 8.7 % | (195.15) | 0.5 % |
Q1 2017 | 814.43 | 33.3 % | 1,004.85 | 36.8 % | (124.24) | (853.2 %) |
Q2 2017 | 834.22 | 33.1 % | 1,006.70 | 22.8 % | (119.54) | (384.0 %) |
Q3 2017 | 877.17 | 27.6 % | 1,062.75 | 28.2 % | (104.65) | (152.6 %) |
Q4 2017 | 967.21 | 33.1 % | 1,298.66 | 37.4 % | (210.06) | (81.1 %) |
2017 | 3,493.02 | 31.7 % | 4,372.96 | 31.4 % | (558.48) | (186.2 %) |
Q1 2018 | 896.28 | 10.1 % | 1,109.76 | 10.4 % | (89.47) | 28.0 % |
Q2 2018 | 942.39 | 13.0 % | 1,231.00 | 22.3 % | (162.76) | (36.2 %) |
Q3 2018 | 987.21 | 12.5 % | 1,211.70 | 14.0 % | (98.24) | 6.1 % |
Q4 2018 | 971.95 | 0.5 % | 1,292.46 | (0.5 %) | (41.92) | 80.0 % |
2018 | 3,797.83 | 8.7 % | 4,844.92 | 10.8 % | (392.80) | 29.7 % |
Q1 2019 | 976.43 | 8.9 % | 1,289.64 | 16.2 % | (65.40) | 26.9 % |
Q2 2019 | 1,066.01 | 13.1 % | 1,364.21 | 10.8 % | (141.66) | 13.0 % |
Q3 2019 | 1,138.86 | 15.4 % | 1,440.97 | 18.9 % | (108.31) | (10.2 %) |
Q4 2019 | 1,141.93 | 17.5 % | 1,515.34 | 17.2 % | (385.11) | (818.6 %) |
2019 | 4,323.22 | 13.8 % | 5,610.16 | 15.8 % | (700.48) | (78.3 %) |
Q1 2020 | 1,121.16 | 14.8 % | 1,259.28 | (2.4 %) | (358.69) | (448.5 %) |
Q2 2020 | 1,127.30 | 5.8 % | 1,332.41 | (2.3 %) | (192.79) | (36.1 %) |
Q3 2020 | 1,185.15 | 4.1 % | 1,479.84 | 2.7 % | (231.00) | (113.3 %) |
Q4 2020 | 1,214.21 | 6.3 % | 1,610.11 | 6.3 % | (636.70) | (65.3 %) |
2020 | 4,647.82 | 7.5 % | 5,681.64 | 1.3 % | (1,419.18) | (102.6 %) |
Q1 2021 | 1,206.64 | 7.6 % | 1,604.24 | 27.4 % | (346.77) | 3.3 % |
Q2 2021 | 1,231.43 | 9.2 % | 1,653.14 | 24.1 % | (336.80) | (74.7 %) |
Q3 2021 | 1,392.89 | 17.5 % | 1,722.06 | 16.4 % | (279.06) | (20.8 %) |
Q4 2021 | 1,309.43 | 7.8 % | 1,680.16 | 4.4 % | (288.98) | 54.6 % |
2021 | 5,140.39 | 10.6 % | 6,659.59 | 17.2 % | (1,251.60) | 11.8 % |
Q1 2022 | 1,311.57 | 8.7 % | 1,807.61 | 12.7 % | (241.02) | 30.5 % |
Q2 2022 | 1,413.49 | 14.8 % | 1,932.14 | 16.9 % | (248.35) | 26.3 % |
Q3 2022 | 1,673.65 | 20.2 % | 2,075.43 | 20.5 % | (272.53) | 2.3 % |
Period | Net Income from investments and financial activities | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
2012 | 1,517.13 | 36.5 % | 1,826.05 | 31.5 % | (154.37) | (23.8 %) |
2013 | 1,834.84 | 20.9 % | 2,279.08 | 24.8 % | (274.22) | (77.6 %) |
2014 | 2,074.95 | 13.1 % | 2,619.84 | 15.0 % | (161.67) | 41.0 % |
2015 | 2,278.69 | 9.8 % | 3,062.74 | 16.9 % | (196.17) | (21.3 %) |
2016 | 2,652.10 | 16.4 % | 3,327.80 | 8.7 % | (195.15) | 0.5 % |
2017 | 3,493.02 | 31.7 % | 4,372.96 | 31.4 % | (558.48) | (186.2 %) |
2018 | 3,797.83 | 8.7 % | 4,844.92 | 10.8 % | (392.80) | 29.7 % |
2019 | 4,323.22 | 13.8 % | 5,610.16 | 15.8 % | (700.48) | (78.3 %) |
2020 | 4,647.82 | 7.5 % | 5,681.64 | 1.3 % | (1,419.18) | (102.6 %) |
2021 | 5,140.39 | 10.6 % | 6,659.59 | 17.2 % | (1,251.60) | 11.8 % |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
Q1 2013 | 221.41 | 47.1 % | 0.09 | - | 221.41 | 0.09 |
Q2 2013 | 241.46 | 34.6 % | 0.10 | - | 241.46 | 0.10 |
Q3 2013 | 262.03 | 33.9 % | 0.10 | - | 262.03 | 0.10 |
Q4 2013 | 279.86 | 34.8 % | 0.11 | - | 279.86 | 0.11 |
2013 | 1,004.76 | 37.0 % | 0.40 | - | 1,004.76 | 0.40 |
Q1 2014 | 292.84 | 32.3 % | 0.12 | - | 292.84 | 0.12 |
Q2 2014 | 307.66 | 27.4 % | 0.12 | - | 307.66 | 0.12 |
Q3 2014 | 331.34 | 26.4 % | 0.13 | - | 331.34 | 0.13 |
Q4 2014 | 332.60 | 18.8 % | 0.13 | - | 332.60 | 0.13 |
2014 | 1,264.43 | 25.8 % | 0.51 | - | 1,264.43 | 0.51 |
Q1 2015 | 344.11 | 17.5 % | 0.14 | - | 344.11 | 0.14 |
Q2 2015 | 364.76 | 18.6 % | 0.15 | - | 364.76 | 0.15 |
Q3 2015 | 375.19 | 13.2 % | 0.15 | - | 375.19 | 0.15 |
Q4 2015 | 385.92 | 16.0 % | 0.15 | - | 385.92 | 0.15 |
2015 | 1,469.98 | 16.3 % | 0.59 | - | 1,469.98 | 0.59 |
Q1 2016 | 391.32 | 13.7 % | 0.16 | - | 391.32 | 0.16 |
Q2 2016 | 409.12 | 12.2 % | 0.16 | - | 409.12 | 0.16 |
Q3 2016 | 311.61 | (16.9 %) | 0.12 | - | 311.61 | 0.12 |
Q4 2016 | 390.22 | 1.1 % | 0.16 | - | 390.22 | 0.16 |
2016 | 1,502.27 | 2.2 % | 0.60 | - | 1,502.27 | 0.60 |
Q1 2017 | 421.32 | 7.7 % | 0.17 | - | 421.32 | 0.17 |
Q2 2017 | 488.22 | 19.3 % | 0.20 | - | 488.22 | 0.20 |
Q3 2017 | 541.76 | 73.9 % | 0.22 | - | 541.76 | 0.22 |
Q4 2017 | 560.05 | 43.5 % | 0.22 | - | 560.05 | 0.22 |
2017 | 2,011.36 | 33.9 % | 0.80 | - | 2,011.36 | 0.80 |
Q1 2018 | 567.27 | 34.6 % | 0.23 | - | 567.27 | 0.23 |
Q2 2018 | 605.79 | 24.1 % | 0.24 | - | 605.79 | 0.24 |
Q3 2018 | 636.93 | 17.6 % | 0.25 | - | 636.93 | 0.25 |
Q4 2018 | 1,046.96 | 86.9 % | 0.42 | 556.58 | 490.38 | 0.20 |
2018 | 2,856.95 | 42.0 % | 1.14 | 556.58 | 2,300.37 | 0.92 |
Q1 2019 | 637.84 | 12.4 % | 0.26 | - | 637.84 | 0.26 |
Q2 2019 | 675.67 | 11.5 % | 0.27 | - | 675.67 | 0.27 |
Q3 2019 | 712.78 | 11.9 % | 0.29 | - | 712.78 | 0.29 |
Q4 2019 | 508.53 | (51.4 %) | 0.20 | - | 508.53 | 0.20 |
2019 | 2,534.81 | (11.3 %) | 1.01 | - | 2,534.81 | 1.01 |
Q1 2020 | 370.27 | (41.9 %) | 0.15 | - | 370.27 | 0.15 |
Q2 2020 | 572.49 | (15.3 %) | 0.23 | - | 572.49 | 0.23 |
Q3 2020 | 629.25 | (11.7 %) | 0.25 | - | 629.25 | 0.25 |
Q4 2020 | 393.99 | (22.5 %) | 0.16 | - | 393.99 | 0.16 |
2020 | 1,965.99 | (22.4 %) | 0.79 | - | 1,965.99 | 0.79 |
Q1 2021 | 641.84 | 73.3 % | 0.26 | - | 641.84 | 0.26 |
Q2 2021 | 710.33 | 24.1 % | 0.28 | - | 710.33 | 0.28 |
Q3 2021 | 738.09 | 17.3 % | 0.30 | - | 738.09 | 0.30 |
Q4 2021 | 619.13 | 57.1 % | 0.25 | - | 619.13 | 0.25 |
2021 | 2,709.39 | 37.8 % | 1.08 | - | 2,709.39 | 1.08 |
Q1 2022 | 824.75 | 28.5 % | 0.33 | - | 824.75 | 0.33 |
Q2 2022 | 925.09 | 30.2 % | 0.37 | - | 925.09 | 0.37 |
Q3 2022 | 989.03 | 34.0 % | 0.40 | - | 989.03 | 0.40 |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
2012 | 733.15 | 70.0 % | 0.29 | - | 733.15 | 0.29 |
2013 | 1,004.76 | 37.0 % | 0.40 | - | 1,004.76 | 0.40 |
2014 | 1,264.43 | 25.8 % | 0.51 | - | 1,264.43 | 0.51 |
2015 | 1,469.98 | 16.3 % | 0.59 | - | 1,469.98 | 0.59 |
2016 | 1,502.27 | 2.2 % | 0.60 | - | 1,502.27 | 0.60 |
2017 | 2,011.36 | 33.9 % | 0.80 | - | 2,011.36 | 0.80 |
2018 | 2,856.95 | 42.0 % | 1.14 | 556.58 | 2,300.37 | 0.92 |
2019 | 2,534.81 | (11.3 %) | 1.01 | - | 2,534.81 | 1.01 |
2020 | 1,965.99 | (22.4 %) | 0.79 | - | 1,965.99 | 0.79 |
2021 | 2,709.39 | 37.8 % | 1.08 | - | 2,709.39 | 1.08 |
Period | Return On Average Assets | Return on Average Equity | Net Profit/Investment Income & Other Financing Operations |
---|---|---|---|
Q1 2013 | 1.67 % | 4.88 % | 45.54 % |
Q2 2013 | 1.70 % | 5.19 % | 45.78 % |
Q3 2013 | 1.71 % | 5.51 % | 47.66 % |
Q4 2013 | 1.72 % | 6.00 % | 49.72 % |
2013 | 1.72 % | 6.00 % | 49.72 % |
Q1 2014 | 1.77 % | 6.32 % | 51.32 % |
Q2 2014 | 1.78 % | 6.61 % | 53.15 % |
Q3 2014 | 1.80 % | 6.88 % | 54.49 % |
Q4 2014 | 1.76 % | 7.27 % | 55.32 % |
2014 | 1.76 % | 7.27 % | 55.32 % |
Q1 2015 | 1.76 % | 7.60 % | 56.31 % |
Q2 2015 | 1.80 % | 7.76 % | 55.92 % |
Q3 2015 | 1.79 % | 7.86 % | 57.08 % |
Q4 2015 | 1.73 % | 8.10 % | 57.71 % |
2015 | 1.73 % | 8.10 % | 57.71 % |
Q1 2016 | 1.73 % | 8.57 % | 56.87 % |
Q2 2016 | 1.73 % | 8.60 % | 55.56 % |
Q3 2016 | 1.62 % | 8.11 % | 48.01 % |
Q4 2016 | 1.55 % | 8.01 % | 43.10 % |
2016 | 1.55 % | 8.01 % | 43.10 % |
Q1 2017 | 1.56 % | 8.17 % | 40.73 % |
Q2 2017 | 1.54 % | 8.55 % | 40.59 % |
Q3 2017 | 1.72 % | 9.55 % | 44.75 % |
Q4 2017 | 1.83 % | 10.18 % | 47.27 % |
2017 | 1.83 % | 10.18 % | 47.27 % |
Q1 2018 | 1.97 % | 10.85 % | 49.48 % |
Q2 2018 | 2.00 % | 11.70 % | 50.27 % |
Q3 2018 | 2.05 % | 11.83 % | 49.86 % |
Q4 2018 | 2.42 % | 13.72 % | 58.38 % |
2018 | 2.42 % | 13.72 % | 58.38 % |
Q1 2019 | 2.48 % | 14.41 % | 57.73 % |
Q2 2019 | 2.50 % | 14.71 % | 57.09 % |
Q3 2019 | 2.48 % | 14.58 % | 56.87 % |
Q4 2019 | 2.00 % | 11.59 % | 45.78 % |
2019 | 2.00 % | 11.59 % | 45.78 % |
Q1 2020 | 1.75 % | 10.49 % | 40.18 % |
Q2 2020 | 1.63 % | 9.71 % | 38.51 % |
Q3 2020 | 1.51 % | 9.05 % | 37.61 % |
Q4 2020 | 1.36 % | 8.39 % | 35.94 % |
2020 | 1.36 % | 8.39 % | 35.94 % |
Q1 2021 | 1.50 % | 9.35 % | 41.24 % |
Q2 2021 | 1.55 % | 9.78 % | 43.62 % |
Q3 2021 | 1.58 % | 10.10 % | 44.34 % |
Q4 2021 | 1.64 % | 10.81 % | 47.72 % |
2021 | 1.64 % | 10.81 % | 47.72 % |
Q1 2022 | 1.70 % | 11.21 % | 49.86 % |
Q2 2022 | 1.78 % | 12.03 % | 51.01 % |
Q3 2022 | 1.87 % | 13.05 % | 50.66 % |
Period | Return On Average Assets | Return on Average Equity | Net Profit/Investment Income & Other Financing Operations |
---|---|---|---|
2012 | 1.61 % | 4.50 % | 44.83 % |
2013 | 1.72 % | 6.00 % | 49.72 % |
2014 | 1.76 % | 7.27 % | 55.32 % |
2015 | 1.73 % | 8.10 % | 57.71 % |
2016 | 1.55 % | 8.01 % | 43.10 % |
2017 | 1.83 % | 10.18 % | 47.27 % |
2018 | 2.42 % | 13.72 % | 58.38 % |
2019 | 2.00 % | 11.59 % | 45.78 % |
2020 | 1.36 % | 8.39 % | 35.94 % |
2021 | 1.64 % | 10.81 % | 47.72 % |
Period | Assets | Change | Customer Deposits | Change | Financing Investments | Change |
---|---|---|---|---|---|---|
Q1 2013 | 56.24 | 41.0 % | 34.36 | 61.1 % | 39.42 | 42.8 % |
Q2 2013 | 57.94 | 31.1 % | 36.47 | 40.4 % | 41.57 | 38.4 % |
Q3 2013 | 59.14 | 18.6 % | 37.62 | 31.7 % | 41.91 | 19.8 % |
Q4 2013 | 63.00 | 16.6 % | 42.76 | 32.7 % | 44.92 | 20.8 % |
Q1 2014 | 65.44 | 16.4 % | 45.14 | 31.4 % | 45.81 | 16.2 % |
Q2 2014 | 70.60 | 21.8 % | 48.98 | 34.3 % | 49.01 | 17.9 % |
Q3 2014 | 75.46 | 27.6 % | 53.39 | 41.9 % | 50.22 | 19.8 % |
Q4 2014 | 80.86 | 28.3 % | 59.43 | 39.0 % | 53.64 | 19.4 % |
Q1 2015 | 83.69 | 27.9 % | 61.56 | 36.4 % | 55.01 | 20.1 % |
Q2 2015 | 81.84 | 15.9 % | 60.59 | 23.7 % | 53.39 | 8.9 % |
Q3 2015 | 82.39 | 9.2 % | 60.38 | 13.1 % | 53.47 | 6.5 % |
Q4 2015 | 88.72 | 9.7 % | 65.69 | 10.5 % | 57.01 | 6.3 % |
Q1 2016 | 91.61 | 9.5 % | 68.79 | 11.7 % | 60.25 | 9.5 % |
Q2 2016 | 98.19 | 20.0 % | 74.17 | 22.4 % | 66.49 | 24.5 % |
Q3 2016 | 102.94 | 24.9 % | 77.32 | 28.1 % | 69.27 | 29.6 % |
Q4 2016 | 104.73 | 18.0 % | 80.61 | 22.7 % | 70.31 | 23.3 % |
Q1 2017 | 105.08 | 14.7 % | 81.45 | 18.4 % | 73.54 | 22.1 % |
Q2 2017 | 111.18 | 13.2 % | 85.78 | 15.7 % | 76.96 | 15.8 % |
Q3 2017 | 111.12 | 8.0 % | 87.23 | 12.8 % | 77.81 | 12.3 % |
Q4 2017 | 114.75 | 9.6 % | 89.06 | 10.5 % | 79.06 | 12.4 % |
Q1 2018 | 113.94 | 8.4 % | 89.34 | 9.7 % | 79.01 | 7.4 % |
Q2 2018 | 116.78 | 5.0 % | 88.94 | 3.7 % | 82.13 | 6.7 % |
Q3 2018 | 120.21 | 8.2 % | 89.87 | 3.0 % | 83.17 | 6.9 % |
Q4 2018 | 121.54 | 5.9 % | 90.13 | 1.2 % | 83.89 | 6.1 % |
Q1 2019 | 121.79 | 6.9 % | 92.26 | 3.3 % | 85.88 | 8.7 % |
Q2 2019 | 123.48 | 5.7 % | 92.82 | 4.4 % | 87.67 | 6.7 % |
Q3 2019 | 128.01 | 6.5 % | 99.84 | 11.1 % | 90.78 | 9.2 % |
Q4 2019 | 131.84 | 8.5 % | 102.06 | 13.2 % | 94.80 | 13.0 % |
Q1 2020 | 138.02 | 13.3 % | 103.87 | 12.6 % | 97.78 | 13.9 % |
Q2 2020 | 142.20 | 15.2 % | 107.42 | 15.7 % | 103.18 | 17.7 % |
Q3 2020 | 147.85 | 15.5 % | 111.32 | 11.5 % | 105.33 | 16.0 % |
Q4 2020 | 156.88 | 19.0 % | 119.45 | 17.0 % | 111.20 | 17.3 % |
Q1 2021 | 159.95 | 15.9 % | 120.71 | 16.2 % | 117.15 | 19.8 % |
Q2 2021 | 164.06 | 15.4 % | 125.88 | 17.2 % | 119.62 | 15.9 % |
Q3 2021 | 166.81 | 12.8 % | 116.65 | 4.8 % | 121.32 | 15.2 % |
Q4 2021 | 173.48 | 10.6 % | 121.06 | 1.3 % | 126.27 | 13.6 % |
Q1 2022 | 179.52 | 12.2 % | 128.04 | 6.1 % | 128.97 | 10.1 % |
Q2 2022 | 184.62 | 12.5 % | 130.38 | 3.6 % | 131.19 | 9.7 % |
Q3 2022 | 193.23 | 15.8 % | 132.05 | 13.2 % | 139.99 | 15.4 % |
Period | Assets | Change | Customer Deposits | Change | Financing Investments | Change |
---|---|---|---|---|---|---|
3m 2013 | 56.24 | 41.0 % | 34.36 | 61.1 % | 39.42 | 42.8 % |
6m 2013 | 57.94 | 31.1 % | 36.47 | 40.4 % | 41.57 | 38.4 % |
9m 2013 | 59.14 | 18.6 % | 37.62 | 31.7 % | 41.91 | 19.8 % |
12m 2013 | 63.00 | 16.6 % | 42.76 | 32.7 % | 44.92 | 20.8 % |
3m 2014 | 65.44 | 16.4 % | 45.14 | 31.4 % | 45.81 | 16.2 % |
6m 2014 | 70.60 | 21.8 % | 48.98 | 34.3 % | 49.01 | 17.9 % |
9m 2014 | 75.46 | 27.6 % | 53.39 | 41.9 % | 50.22 | 19.8 % |
12m 2014 | 80.86 | 28.3 % | 59.43 | 39.0 % | 53.64 | 19.4 % |
3m 2015 | 83.69 | 27.9 % | 61.56 | 36.4 % | 55.01 | 20.1 % |
6m 2015 | 81.84 | 15.9 % | 60.59 | 23.7 % | 53.39 | 8.9 % |
9m 2015 | 82.39 | 9.2 % | 60.38 | 13.1 % | 53.47 | 6.5 % |
12m 2015 | 88.72 | 9.7 % | 65.69 | 10.5 % | 57.01 | 6.3 % |
3m 2016 | 91.61 | 9.5 % | 68.79 | 11.7 % | 60.25 | 9.5 % |
6m 2016 | 98.19 | 20.0 % | 74.17 | 22.4 % | 66.49 | 24.5 % |
9m 2016 | 102.94 | 24.9 % | 77.32 | 28.1 % | 69.27 | 29.6 % |
12m 2016 | 104.73 | 18.0 % | 80.61 | 22.7 % | 70.31 | 23.3 % |
3m 2017 | 105.08 | 14.7 % | 81.45 | 18.4 % | 73.54 | 22.1 % |
6m 2017 | 111.18 | 13.2 % | 85.78 | 15.7 % | 76.96 | 15.8 % |
9m 2017 | 111.12 | 8.0 % | 87.23 | 12.8 % | 77.81 | 12.3 % |
12m 2017 | 114.75 | 9.6 % | 89.06 | 10.5 % | 79.06 | 12.4 % |
3m 2018 | 113.94 | 8.4 % | 89.34 | 9.7 % | 79.01 | 7.4 % |
6m 2018 | 116.78 | 5.0 % | 88.94 | 3.7 % | 82.13 | 6.7 % |
9m 2018 | 120.21 | 8.2 % | 89.87 | 3.0 % | 83.17 | 6.9 % |
12m 2018 | 121.54 | 5.9 % | 90.13 | 1.2 % | 83.89 | 6.1 % |
3m 2019 | 121.79 | 6.9 % | 92.26 | 3.3 % | 85.88 | 8.7 % |
6m 2019 | 123.48 | 5.7 % | 92.82 | 4.4 % | 87.67 | 6.7 % |
9m 2019 | 128.01 | 6.5 % | 99.84 | 11.1 % | 90.78 | 9.2 % |
12m 2019 | 131.84 | 8.5 % | 102.06 | 13.2 % | 94.80 | 13.0 % |
3m 2020 | 138.02 | 13.3 % | 103.87 | 12.6 % | 97.78 | 13.9 % |
6m 2020 | 142.20 | 15.2 % | 107.42 | 15.7 % | 103.18 | 17.7 % |
9m 2020 | 147.85 | 15.5 % | 111.32 | 11.5 % | 105.33 | 16.0 % |
12m 2020 | 156.88 | 19.0 % | 119.45 | 17.0 % | 111.20 | 17.3 % |
3m 2021 | 159.95 | 15.9 % | 120.71 | 16.2 % | 117.15 | 19.8 % |
6m 2021 | 164.06 | 15.4 % | 125.88 | 17.2 % | 119.62 | 15.9 % |
9m 2021 | 166.81 | 12.8 % | 116.65 | 4.8 % | 121.32 | 15.2 % |
12m 2021 | 173.48 | 10.6 % | 121.06 | 1.3 % | 126.27 | 13.6 % |
3m 2022 | 179.52 | 12.2 % | 128.04 | 6.1 % | 128.97 | 10.1 % |
6m 2022 | 184.62 | 12.5 % | 130.38 | 3.6 % | 131.19 | 9.7 % |
9m 2022 | 193.23 | 15.8 % | 132.05 | 13.2 % | 139.99 | 15.4 % |
Period | Assets | Change | Customer Deposits | Change | Financing Investments | Change |
---|---|---|---|---|---|---|
2012 | 54.01 | 46.8 % | 32.21 | 81.2 % | 37.19 | 47.2 % |
2013 | 63.00 | 16.6 % | 42.76 | 32.7 % | 44.92 | 20.8 % |
2014 | 80.86 | 28.3 % | 59.43 | 39.0 % | 53.64 | 19.4 % |
2015 | 88.72 | 9.7 % | 65.69 | 10.5 % | 57.01 | 6.3 % |
2016 | 104.73 | 18.0 % | 80.61 | 22.7 % | 70.31 | 23.3 % |
2017 | 114.75 | 9.6 % | 89.06 | 10.5 % | 79.06 | 12.4 % |
2018 | 121.54 | 5.9 % | 90.13 | 1.2 % | 83.89 | 6.1 % |
2019 | 131.84 | 8.5 % | 102.06 | 13.2 % | 94.80 | 13.0 % |
2020 | 156.88 | 19.0 % | 119.45 | 17.0 % | 111.20 | 17.3 % |
2021 | 173.48 | 10.6 % | 121.06 | 1.3 % | 126.27 | 13.6 % |
Period | Customer Deposits Per Total Assets | Financing Investments/Customer Deposits | Financing Investments/Total Assets |
---|---|---|---|
Q1 2013 | 61.10 % | 114.72 % | 70.09 % |
Q2 2013 | 62.94 % | 113.99 % | 71.74 % |
Q3 2013 | 63.61 % | 111.41 % | 70.87 % |
Q4 2013 | 67.88 % | 105.05 % | 71.31 % |
Q1 2014 | 68.97 % | 101.49 % | 70.00 % |
Q2 2014 | 69.37 % | 100.07 % | 69.42 % |
Q3 2014 | 70.75 % | 94.07 % | 66.55 % |
Q4 2014 | 73.49 % | 90.26 % | 66.33 % |
Q1 2015 | 73.56 % | 89.37 % | 65.74 % |
Q2 2015 | 74.03 % | 88.11 % | 65.23 % |
Q3 2015 | 73.28 % | 88.56 % | 64.90 % |
Q4 2015 | 74.04 % | 86.77 % | 64.25 % |
Q1 2016 | 75.08 % | 87.59 % | 65.77 % |
Q2 2016 | 75.54 % | 89.65 % | 67.72 % |
Q3 2016 | 75.11 % | 89.60 % | 67.30 % |
Q4 2016 | 76.97 % | 87.22 % | 67.14 % |
Q1 2017 | 77.51 % | 90.30 % | 69.99 % |
Q2 2017 | 77.16 % | 89.72 % | 69.22 % |
Q3 2017 | 78.50 % | 89.20 % | 70.02 % |
Q4 2017 | 77.62 % | 88.77 % | 68.90 % |
Q1 2018 | 78.41 % | 88.44 % | 69.34 % |
Q2 2018 | 76.16 % | 92.34 % | 70.33 % |
Q3 2018 | 74.76 % | 92.55 % | 69.19 % |
Q4 2018 | 74.16 % | 93.08 % | 69.02 % |
Q1 2019 | 75.75 % | 93.08 % | 70.51 % |
Q2 2019 | 75.17 % | 94.45 % | 71.00 % |
Q3 2019 | 77.99 % | 90.93 % | 70.92 % |
Q4 2019 | 77.41 % | 92.89 % | 71.91 % |
Q1 2020 | 75.26 % | 94.14 % | 70.85 % |
Q2 2020 | 75.54 % | 96.05 % | 72.56 % |
Q3 2020 | 75.29 % | 94.62 % | 71.24 % |
Q4 2020 | 76.15 % | 93.09 % | 70.88 % |
Q1 2021 | 75.46 % | 97.05 % | 73.24 % |
Q2 2021 | 76.73 % | 95.03 % | 72.92 % |
Q3 2021 | 69.93 % | 104.00 % | 72.73 % |
Q4 2021 | 69.79 % | 104.30 % | 72.79 % |
Q1 2022 | 71.32 % | 100.73 % | 71.84 % |
Q2 2022 | 70.62 % | 100.63 % | 71.06 % |
Q3 2022 | 68.34 % | 106.01 % | 72.45 % |
Period | Customer Deposits Per Total Assets | Financing Investments/Customer Deposits | Financing Investments/Total Assets |
---|---|---|---|
2012 | 59.64 % | 115.44 % | 68.85 % |
2013 | 67.88 % | 105.05 % | 71.31 % |
2014 | 73.49 % | 90.26 % | 66.33 % |
2015 | 74.04 % | 86.77 % | 64.25 % |
2016 | 76.97 % | 87.22 % | 67.14 % |
2017 | 77.62 % | 88.77 % | 68.90 % |
2018 | 74.16 % | 93.08 % | 69.02 % |
2019 | 77.41 % | 92.89 % | 71.91 % |
2020 | 76.15 % | 93.09 % | 70.88 % |
2021 | 69.79 % | 104.30 % | 72.79 % |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
Q1 2013 | 2,500.00 | 0.32 | 0.32 | - | 6.76 |
Q2 2013 | 2,500.00 | 0.35 | 0.35 | - | 6.85 |
Q3 2013 | 2,500.00 | 0.37 | 0.37 | - | 6.97 |
Q4 2013 | 2,500.00 | 0.40 | 0.40 | - | 6.73 |
Q1 2014 | 2,500.00 | 0.43 | 0.43 | - | 6.86 |
Q2 2014 | 2,500.00 | 0.46 | 0.46 | - | 6.98 |
Q3 2014 | 2,500.00 | 0.48 | 0.48 | - | 7.12 |
Q4 2014 | 2,500.00 | 0.51 | 0.51 | - | 7.18 |
Q1 2015 | 2,500.00 | 0.53 | 0.53 | - | 6.98 |
Q2 2015 | 2,500.00 | 0.55 | 0.55 | - | 7.16 |
Q3 2015 | 2,500.00 | 0.57 | 0.57 | - | 7.29 |
Q4 2015 | 2,500.00 | 0.59 | 0.59 | - | 7.34 |
Q1 2016 | 2,500.00 | 0.61 | 0.61 | - | 7.18 |
Q2 2016 | 2,500.00 | 0.62 | 0.62 | - | 7.36 |
Q3 2016 | 2,500.00 | 0.60 | 0.60 | - | 7.49 |
Q4 2016 | 2,500.00 | 0.60 | 0.60 | - | 7.67 |
Q1 2017 | 2,500.00 | 0.61 | 0.61 | - | 7.83 |
Q2 2017 | 2,500.00 | 0.64 | 0.64 | - | 7.71 |
Q3 2017 | 2,500.00 | 0.74 | 0.74 | - | 7.94 |
Q4 2017 | 2,500.00 | 0.80 | 0.80 | - | 8.14 |
Q1 2018 | 2,500.00 | 0.86 | 0.86 | - | 8.07 |
Q2 2018 | 2,500.00 | 0.91 | 0.91 | - | 7.84 |
Q3 2018 | 2,500.00 | 0.95 | 0.95 | - | 8.08 |
Q4 2018 | 2,500.00 | 1.14 | 0.92 | - | 8.52 |
Q1 2019 | 2,500.00 | 1.17 | 0.95 | - | 8.18 |
Q2 2019 | 2,500.00 | 1.20 | 0.98 | - | 8.47 |
Q3 2019 | 2,500.00 | 1.23 | 1.01 | - | 8.77 |
Q4 2019 | 2,500.00 | 1.01 | 1.01 | 1.02 | 8.98 |
Q1 2020 | 2,500.00 | 0.91 | 0.91 | 0.91 | 9.11 |
Q2 2020 | 2,500.00 | 0.87 | 0.87 | 0.87 | 9.35 |
Q3 2020 | 2,500.00 | 0.83 | 0.83 | 0.83 | 9.62 |
Q4 2020 | 2,500.00 | 0.79 | 0.79 | 0.79 | 9.77 |
Q1 2021 | 2,500.00 | 0.90 | 0.90 | 0.90 | 10.03 |
Q2 2021 | 2,500.00 | 0.95 | 0.95 | 0.95 | 10.08 |
Q3 2021 | 2,500.00 | 0.99 | 0.99 | 1.00 | 10.07 |
Q4 2021 | 2,500.00 | 1.08 | 1.08 | 1.09 | 10.28 |
Q1 2022 | 2,500.00 | 1.16 | 1.16 | 1.16 | 10.61 |
Q2 2022 | 2,500.00 | 1.24 | 1.24 | 1.23 | 10.59 |
Q3 2022 | 2,500.00 | 1.34 | 1.34 | 1.31 | 10.52 |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
2012 | 2,500.00 | 0.29 | 0.29 | - | 6.67 |
2013 | 2,500.00 | 0.40 | 0.40 | - | 6.73 |
2014 | 2,500.00 | 0.51 | 0.51 | - | 7.18 |
2015 | 2,500.00 | 0.59 | 0.59 | - | 7.34 |
2016 | 2,500.00 | 0.60 | 0.60 | - | 7.67 |
2017 | 2,500.00 | 0.80 | 0.80 | - | 8.14 |
2018 | 2,500.00 | 1.14 | 0.92 | - | 8.52 |
2019 | 2,500.00 | 1.01 | 1.01 | 1.01 | 8.98 |
2020 | 2,500.00 | 0.79 | 0.79 | 0.79 | 9.77 |
2021 | 2,500.00 | 1.08 | 1.08 | 1.08 | 10.28 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
Q1 2013 | 24.62 | 24.62 | 1.17 |
Q2 2013 | 23.64 | 23.64 | 1.20 |
Q3 2013 | 22.60 | 22.60 | 1.21 |
Q4 2013 | 22.24 | 22.24 | 1.33 |
Q1 2014 | 25.99 | 25.99 | 1.63 |
Q2 2014 | 23.91 | 23.91 | 1.56 |
Q3 2014 | 30.40 | 30.40 | 2.07 |
Q4 2014 | 24.19 | 24.19 | 1.70 |
Q1 2015 | 25.14 | 25.14 | 1.89 |
Q2 2015 | 24.67 | 24.67 | 1.89 |
Q3 2015 | 17.83 | 17.83 | 1.39 |
Q4 2015 | 15.07 | 15.07 | 1.21 |
Q1 2016 | 12.67 | 12.67 | 1.07 |
Q2 2016 | 12.55 | 12.55 | 1.07 |
Q3 2016 | 11.40 | 11.40 | 0.91 |
Q4 2016 | 15.05 | 15.05 | 1.18 |
Q1 2017 | 14.70 | 14.70 | 1.15 |
Q2 2017 | 14.18 | 14.18 | 1.18 |
Q3 2017 | 14.23 | 14.23 | 1.32 |
Q4 2017 | 14.27 | 14.27 | 1.41 |
Q1 2018 | 14.32 | 14.32 | 1.53 |
Q2 2018 | 14.12 | 14.12 | 1.64 |
Q3 2018 | 13.62 | 13.62 | 1.60 |
Q4 2018 | 12.07 | 14.98 | 1.62 |
Q1 2019 | 12.43 | 15.35 | 1.78 |
Q2 2019 | 12.31 | 15.12 | 1.74 |
Q3 2019 | 10.97 | 13.40 | 1.54 |
Q4 2019 | 14.91 | 14.91 | 1.69 |
Q1 2020 | 13.71 | 13.71 | 1.37 |
Q2 2020 | 13.37 | 13.37 | 1.24 |
Q3 2020 | 15.75 | 15.75 | 1.36 |
Q4 2020 | 16.38 | 16.38 | 1.32 |
Q1 2021 | 16.36 | 16.36 | 1.47 |
Q2 2021 | 17.72 | 17.72 | 1.67 |
Q3 2021 | 19.20 | 19.20 | 1.91 |
Q4 2021 | 17.59 | 17.59 | 1.86 |
Q1 2022 | 26.84 | 26.84 | 2.93 |
Q2 2022 | 21.72 | 21.72 | 2.52 |
Q3 2022 | 22.07 | 22.07 | 2.76 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
2012 | 26.29 | 26.29 | 1.16 |
2013 | 22.24 | 22.24 | 1.33 |
2014 | 24.19 | 24.19 | 1.70 |
2015 | 15.07 | 15.07 | 1.21 |
2016 | 15.05 | 15.05 | 1.18 |
2017 | 14.27 | 14.27 | 1.41 |
2018 | 12.07 | 14.98 | 1.62 |
2019 | 15.06 | 15.06 | 1.69 |
2020 | 16.38 | 16.38 | 1.32 |
2021 | 17.75 | 17.75 | 1.86 |
Q3 2022
2022
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Investment Banking and Brokerage | Others |
---|---|---|---|---|---|
Q1 2013 | 145.56 | 267.62 | 103.74 | 4.79 | - |
Q2 2013 | 159.00 | 269.96 | 112.21 | 17.96 | - |
Q3 2013 | 163.71 | 265.82 | 102.78 | 10.15 | - |
Q4 2013 | 163.15 | 321.84 | 162.65 | 8.14 | - |
Q1 2014 | 186.32 | 270.65 | 133.18 | 9.69 | - |
Q2 2014 | 211.90 | 266.07 | 107.79 | 25.61 | - |
Q3 2014 | 217.99 | 326.18 | 116.88 | 26.28 | - |
Q4 2014 | 224.12 | 332.08 | 137.48 | 27.63 | - |
Q1 2015 | 247.68 | 326.48 | 123.74 | 31.70 | - |
Q2 2015 | 264.91 | 380.71 | 163.50 | 36.38 | - |
Q3 2015 | 266.23 | 333.07 | 78.56 | 30.08 | - |
Q4 2015 | 262.89 | 394.75 | 87.07 | 35.00 | - |
Q1 2016 | 271.68 | 317.10 | 105.45 | 40.10 | - |
Q2 2016 | 279.19 | 357.18 | 139.50 | 44.01 | - |
Q3 2016 | 296.86 | 369.34 | 121.78 | 40.73 | - |
Q4 2016 | 287.93 | 396.96 | 199.08 | 60.90 | - |
Q1 2017 | 381.21 | 424.83 | 147.59 | 51.22 | - |
Q2 2017 | 388.98 | 400.06 | 170.34 | 47.33 | - |
Q3 2017 | 419.81 | 416.05 | 180.54 | 46.35 | - |
Q4 2017 | 431.88 | 459.06 | 218.35 | 189.37 | - |
Q1 2018 | 451.77 | 384.81 | 205.15 | 68.03 | - |
Q2 2018 | 462.86 | 444.90 | 222.57 | 100.68 | - |
Q3 2018 | 502.29 | 452.86 | 146.49 | 110.06 | - |
Q4 2018 | 482.34 | 298.75 | 439.46 | 71.90 | - |
Q1 2019 | 591.63 | 437.92 | 174.13 | 85.95 | - |
Q2 2019 | 613.57 | 412.84 | 258.85 | 78.95 | - |
Q3 2019 | 636.28 | 478.53 | 241.64 | 84.52 | - |
Q4 2019 | 625.88 | 470.10 | 292.43 | 126.94 | - |
Q1 2020 | 704.81 | 422.91 | 32.69 | 107.63 | - |
Q2 2020 | 575.08 | 407.84 | 218.76 | 121.98 | - |
Q3 2020 | 609.10 | 531.29 | 199.35 | 140.09 | - |
Q4 2020 | 737.85 | 505.40 | 203.40 | 163.46 | - |
Q1 2021 | 676.62 | 504.98 | 243.84 | 180.82 | - |
Q2 2021 | 604.14 | 592.09 | 284.39 | 170.50 | - |
Q3 2021 | 649.17 | 683.65 | 242.45 | 146.79 | - |
Q4 2021 | 638.26 | 627.40 | 275.12 | 139.39 | - |
Q1 2022 | 627.88 | 582.67 | 397.78 | 199.28 | - |
Q2 2022 | 746.65 | 607.48 | 393.14 | 184.87 | - |
Q3 2022 | 1,002.78 | 618.33 | 290.26 | 164.05 | - |
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Investment Banking and Brokerage | Others |
---|---|---|---|---|---|
2012 | 453.73 | 978.40 | 355.64 | 38.29 | - |
2013 | 631.42 | 1,125.24 | 481.39 | 41.04 | - |
2014 | 840.32 | 1,194.98 | 495.33 | 89.20 | - |
2015 | 1,041.71 | 1,435.02 | 452.87 | 133.15 | - |
2016 | 1,135.67 | 1,440.59 | 565.81 | 185.74 | - |
2017 | 1,621.88 | 1,700.00 | 716.81 | 334.27 | - |
2018 | 1,899.26 | 1,581.33 | 1,013.66 | 350.67 | - |
2019 | 2,467.37 | 1,799.39 | 967.05 | 376.36 | - |
2020 | 2,626.85 | 1,867.43 | 654.20 | 533.16 | - |
2021 | 2,568.18 | 2,408.12 | 1,045.80 | 637.49 | - |
Item | Q3 2022 (e) | Q3 2022 (a) | Change |
---|---|---|---|
Average | 952.20 | 989.03 | 3.87 % |
Item | Q3 2022 (e) | Q3 2022 (a) | Change |
---|---|---|---|
SNB Capital | 988.00 | 989.03 | 0.1 % |
Goldman Sachs | 980.00 | 989.03 | 0.9 % |
OSOOL AND BAKHEET | 1,008.30 | 989.03 | (1.9) % |
AlJazira Capital | 950.90 | 989.03 | 4.0 % |
Riyad Capital | 946.00 | 989.03 | 4.5 % |
Sico | 840.00 | 989.03 | 17.7 % |
Current | |
Market Cap (M) | 68,875.00 |
Shares Outstanding ((M)) | 2,500.00 |
EPS ( Riyal) (TTM) | 2.25 |
EPS Diluted ( Riyal) (TTM) | 2.13 |
Book Value (BV) ( Riyal) | 12.96 |
Par Value ( Riyal) | 10.00 |
Adjusted P/E (Last12) | 12.25 |
P/E (TTM) | 12.25 |
Price/book | 2.13 |
Return on Average Assets (%) (TTM) | 2.3 |
Return on Average Equity (%) (TTM) | 18.5 |
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