Riyad Bank reported a net profit of SAR 2.98 billion for H1 2019, a jump of 69.7 percent year-on-year (YoY) due to higher operating income.
| Item | 6m 2018 | 6m 2019 | Change |
|---|---|---|---|
| Net Special Commission Income | 3,152.75 | 3,771.67 | 19.6 % |
| Operating Income | 4,303.08 | 5,249.71 | 22.0 % |
| Total Provisions | (525.25) | (445.43) | 15.2 % |
| Net Income | 1,759.32 | 2,984.54 | 69.6 % |
| Average Shares | 3,000.00 | 3,000.00 | - |
| EPS (Riyals) | 0.59 | 0.99 | 69.6 % |
| EPS Diluted (Riyals) | 0.59 | 0.99 | 67.8 % |
Net profit in Q2 2019 surged 78.15 percent YoY to SAR 1.5 billion on an increase of 22.9 percent in gross operating income and a 10 percent drop in gross operating expenses.
On a quarterly basis, net profit remained almost flat, rising 1.01 percent, due to higher operating income on increased net commission income and profit from investments. Operating expenses also fell by 3.9 percent.
| Item | Q2 2018 | Q2 2019 | Change |
|---|---|---|---|
| Net Special Commission Income | 1,629.57 | 1,962.95 | 20.5 % |
| Operating Income | 2,173.53 | 2,669.57 | 22.8 % |
| Debt Provisions | (328.81) | (283.05) | 13.9 % |
| Net Income | 842.49 | 1,499.75 | 78.0 % |
| Average Shares | 3,000.00 | 3,000.00 | - |
| EPS (Riyals) | 0.28 | 0.50 | 78.0 % |
| EPS Diluted (Riyal) | 0.28 | 0.50 | 78.6 % |
| Item | Q1 2019 | Q2 2019 | Change |
|---|---|---|---|
| Net Special Commission Income | 1,808.72 | 1,962.95 | 8.5 % |
| Operating Income | 2,580.14 | 2,669.57 | 3.5 % |
| Debt Provisions | (162.37) | (283.05) | (74.3 %) |
| Net Income | 1,484.79 | 1,499.75 | 1.0 % |
| Average Shares | 3,000.00 | 3,000.00 | - |
| EPS (Riyals) | 0.49 | 0.50 | 1.0 % |
| EPS Diluted (Riyal) | 0.49 | 0.50 | 2.0 % |
| Item | 6m 2018 | 6m 2019 | Change |
|---|---|---|---|
| Assets | 215.48 | 246.12 | 14.2 % |
| Customer Deposits | 153.42 | 176.51 | 15.1 % |
| Loan | 144.31 | 161.32 | 11.8 % |
| Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change | Net Income | Change | EPS(Riyal) |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2010 | 1,012.44 | (9.0 %) | 1,469.41 | 0.7 % | (278.99) | (50.9 %) | 684.46 | 55.2 % | 0.23 |
| Q2 2010 | 1,027.65 | (10.5 %) | 1,527.26 | 0.2 % | (196.16) | (105.4 %) | 765.80 | (16.6 %) | 0.26 |
| Q3 2010 | 1,059.71 | 3.2 % | 1,498.16 | 6.9 % | (299.78) | (95.2 %) | 610.76 | (19.6 %) | 0.20 |
| Q4 2010 | 1,041.98 | (1.8 %) | 1,485.62 | (5.7 %) | (160.15) | 13.2 % | 763.60 | (16.3 %) | 0.25 |
| 2010 | 4,141.79 | (4.7 %) | 5,980.45 | 0.3 % | (935.07) | (51.2 %) | 2,824.63 | (6.8 %) | 0.94 |
| Q1 2011 | 984.01 | (2.8 %) | 1,526.84 | 3.9 % | (160.31) | 42.5 % | 741.24 | 8.3 % | 0.25 |
| Q2 2011 | 1,066.59 | 3.8 % | 1,569.68 | 2.8 % | (87.45) | 55.4 % | 835.99 | 9.2 % | 0.28 |
| Q3 2011 | 1,063.54 | 0.4 % | 1,572.56 | 5.0 % | (150.94) | 49.6 % | 794.28 | 30.0 % | 0.26 |
| Q4 2011 | 1,082.89 | 3.9 % | 1,606.72 | 8.2 % | (263.02) | (64.2 %) | 777.85 | 1.9 % | 0.26 |
| 2011 | 4,197.03 | 1.3 % | 6,275.80 | 4.9 % | (661.71) | 29.2 % | 3,149.35 | 11.5 % | 1.05 |
| Q1 2012 | 1,068.47 | 8.6 % | 1,643.89 | 7.7 % | (152.87) | 4.6 % | 901.48 | 21.6 % | 0.30 |
| Q2 2012 | 1,095.22 | 2.7 % | 1,804.29 | 14.9 % | (386.55) | (342.0 %) | 914.40 | 9.4 % | 0.30 |
| Q3 2012 | 1,117.21 | 5.0 % | 1,667.72 | 6.1 % | (327.28) | (116.8 %) | 840.03 | 5.8 % | 0.28 |
| Q4 2012 | 1,100.58 | 1.6 % | 1,670.38 | 4.0 % | (312.95) | (19.0 %) | 810.13 | 4.2 % | 0.27 |
| 2012 | 4,381.47 | 4.4 % | 6,786.27 | 8.1 % | (1,179.66) | (78.3 %) | 3,466.05 | 10.1 % | 1.16 |
| Q1 2013 | 1,089.59 | 2.0 % | 1,724.64 | 4.9 % | (191.13) | (25.0 %) | 950.98 | 5.5 % | 0.32 |
| Q2 2013 | 1,166.34 | 6.5 % | 1,815.48 | 0.6 % | (197.21) | 49.0 % | 967.91 | 5.9 % | 0.32 |
| Q3 2013 | 1,214.55 | 8.7 % | 1,738.69 | 4.3 % | (139.62) | 57.3 % | 997.93 | 18.8 % | 0.33 |
| Q4 2013 | 1,226.52 | 11.4 % | 1,795.22 | 7.5 % | (99.46) | 68.2 % | 1,030.29 | 27.2 % | 0.34 |
| 2013 | 4,697.00 | 7.2 % | 7,074.02 | 4.2 % | (627.42) | 46.8 % | 3,947.11 | 13.9 % | 1.32 |
| Q1 2014 | 1,229.64 | 12.9 % | 1,932.04 | 12.0 % | (203.77) | (6.6 %) | 1,079.45 | 13.5 % | 0.36 |
| Q2 2014 | 1,256.38 | 7.7 % | 2,094.96 | 15.4 % | (262.98) | (33.3 %) | 1,136.26 | 17.4 % | 0.38 |
| Q3 2014 | 1,315.71 | 8.3 % | 1,990.25 | 14.5 % | (217.40) | (55.7 %) | 1,076.29 | 7.9 % | 0.36 |
| Q4 2014 | 1,328.51 | 8.3 % | 1,994.52 | 11.1 % | (215.92) | (117.1 %) | 1,060.41 | 2.9 % | 0.35 |
| 2014 | 5,130.24 | 9.2 % | 8,011.77 | 13.3 % | (900.06) | (43.5 %) | 4,352.41 | 10.3 % | 1.45 |
| Q1 2015 | 1,281.74 | 4.2 % | 2,047.81 | 6.0 % | (127.80) | 37.3 % | 1,171.60 | 8.5 % | 0.39 |
| Q2 2015 | 1,293.48 | 3.0 % | 1,901.43 | (9.2 %) | (315.33) | (19.9 %) | 1,128.23 | (0.7 %) | 0.38 |
| Q3 2015 | 1,261.05 | (4.2 %) | 1,862.11 | (6.4 %) | (358.11) | (64.7 %) | 898.55 | (16.5 %) | 0.30 |
| Q4 2015 | 1,343.51 | 1.1 % | 1,888.02 | (5.3 %) | (229.49) | (6.3 %) | 851.10 | (19.7 %) | 0.28 |
| 2015 | 5,179.78 | 1.0 % | 7,699.36 | (3.9 %) | (1,030.74) | (14.5 %) | 4,049.48 | (7.0 %) | 1.35 |
| Q1 2016 | 1,267.32 | (1.1 %) | 1,786.17 | (12.8 %) | (104.82) | 18.0 % | 1,173.72 | 0.2 % | 0.39 |
| Q2 2016 | 1,360.12 | 5.2 % | 2,026.99 | 6.6 % | (85.11) | 73.0 % | 1,145.98 | 1.6 % | 0.38 |
| Q3 2016 | 1,320.55 | 4.7 % | 1,854.88 | (0.4 %) | (335.22) | 6.4 % | 729.43 | (18.8 %) | 0.24 |
| Q4 2016 | 1,353.05 | 0.7 % | 1,833.24 | (2.9 %) | (761.26) | (231.7 %) | 293.37 | (65.5 %) | 0.10 |
| 2016 | 5,301.03 | 2.3 % | 7,501.28 | (2.6 %) | (1,286.40) | (24.8 %) | 3,342.49 | (17.5 %) | 1.11 |
| Q1 2017 | 1,425.31 | 12.5 % | 2,007.29 | 12.4 % | (217.11) | (107.1 %) | 1,047.36 | (10.8 %) | 0.35 |
| Q2 2017 | 1,473.21 | 8.3 % | 1,983.91 | (2.1 %) | (371.45) | (336.4 %) | 847.92 | (26.0 %) | 0.28 |
| Q3 2017 | 1,538.68 | 16.5 % | 2,076.13 | 11.9 % | (288.12) | 14.0 % | 1,076.85 | 47.6 % | 0.36 |
| Q4 2017 | 1,497.87 | 10.7 % | 2,057.89 | 12.3 % | (350.80) | 53.9 % | 973.88 | 232.0 % | 0.32 |
| 2017 | 5,935.08 | 12.0 % | 8,125.21 | 8.3 % | (1,227.49) | 4.6 % | 3,946.00 | 18.1 % | 1.32 |
| Q1 2018 | 1,523.19 | 6.9 % | 2,129.55 | 6.1 % | (196.44) | 9.5 % | 916.83 | (12.5 %) | 0.31 |
| Q2 2018 | 1,629.57 | 10.6 % | 2,173.53 | 9.6 % | (328.81) | 11.5 % | 842.49 | (0.6 %) | 0.28 |
| Q3 2018 | 1,717.41 | 11.6 % | 2,280.89 | 9.9 % | (243.09) | 15.6 % | 945.01 | (12.2 %) | 0.32 |
| Q4 2018 | 1,758.30 | 17.4 % | 2,383.44 | 15.8 % | (170.37) | 51.4 % | 387.75 | (60.2 %) | 0.13 |
| 2018 | 6,628.46 | 11.7 % | 8,967.40 | 10.4 % | (938.71) | 23.5 % | 3,092.09 | (21.6 %) | 1.03 |
| Q1 2019 | 1,808.72 | 18.7 % | 2,580.14 | 21.2 % | (162.37) | 17.3 % | 1,484.79 | 61.9 % | 0.49 |
| Q2 2019 | 1,962.95 | 20.5 % | 2,669.57 | 22.8 % | (283.05) | 13.9 % | 1,499.75 | 78.0 % | 0.50 |
| Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change | Net Income | Change | EPS(Riyal) |
|---|---|---|---|---|---|---|---|---|---|
| 2009 | 4,347.19 | 10.1 % | 5,960.11 | 13.6 % | (618.54) | (77.2 %) | 3,030.49 | 14.8 % | 1.01 |
| 2010 | 4,141.79 | (4.7 %) | 5,980.45 | 0.3 % | (935.07) | (51.2 %) | 2,824.63 | (6.8 %) | 0.94 |
| 2011 | 4,197.03 | 1.3 % | 6,275.80 | 4.9 % | (661.71) | 29.2 % | 3,149.35 | 11.5 % | 1.05 |
| 2012 | 4,381.47 | 4.4 % | 6,786.27 | 8.1 % | (1,179.66) | (78.3 %) | 3,466.05 | 10.1 % | 1.16 |
| 2013 | 4,697.00 | 7.2 % | 7,074.02 | 4.2 % | (627.42) | 46.8 % | 3,947.11 | 13.9 % | 1.32 |
| 2014 | 5,130.24 | 9.2 % | 8,011.77 | 13.3 % | (900.06) | (43.5 %) | 4,352.41 | 10.3 % | 1.45 |
| 2015 | 5,179.78 | 1.0 % | 7,699.36 | (3.9 %) | (1,030.74) | (14.5 %) | 4,049.48 | (7.0 %) | 1.35 |
| 2016 | 5,301.03 | 2.3 % | 7,501.28 | (2.6 %) | (1,286.40) | (24.8 %) | 3,342.49 | (17.5 %) | 1.11 |
| 2017 | 5,935.08 | 12.0 % | 8,125.21 | 8.3 % | (1,227.49) | 4.6 % | 3,946.00 | 18.1 % | 1.32 |
| 2018 | 6,628.46 | 11.7 % | 8,967.40 | 10.4 % | (938.71) | 23.5 % | 3,092.09 | (21.6 %) | 1.03 |
| Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
|---|---|---|---|
| Q1 2010 | 1.92 % | 12.32 % | 71.15 % |
| Q2 2010 | 1.82 % | 11.30 % | 69.10 % |
| Q3 2010 | 1.71 % | 10.69 % | 68.54 % |
| Q4 2010 | 1.61 % | 9.83 % | 69.26 % |
| 2010 | 1.61 % | 9.83 % | 69.26 % |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 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 % |
| 2018 | 1.39 % | 8.20 % | 73.92 % |
| Q1 2019 | 1.62 % | 9.92 % | 73.41 % |
| Q2 2019 | 1.87 % | 11.31 % | 73.10 % |
| Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
|---|---|---|---|
| 2009 | 1.80 % | 11.24 % | 72.94 % |
| 2010 | 1.61 % | 9.83 % | 69.26 % |
| 2011 | 1.78 % | 10.61 % | 66.88 % |
| 2012 | 1.87 % | 11.16 % | 64.56 % |
| 2013 | 2.00 % | 11.99 % | 66.40 % |
| 2014 | 2.07 % | 12.54 % | 64.03 % |
| 2015 | 1.85 % | 11.24 % | 67.28 % |
| 2016 | 1.52 % | 9.09 % | 70.67 % |
| 2017 | 1.82 % | 10.44 % | 73.05 % |
| 2018 | 1.39 % | 8.20 % | 73.92 % |
| Period | Assets | Change | Customer Deposits | Change | Loan | Change |
|---|---|---|---|---|---|---|
| Q1 2010 | 174.29 | 4.2 % | 128.11 | 7.5 % | 106.28 | 6.1 % |
| Q2 2010 | 169.34 | (2.0 %) | 124.10 | 1.7 % | 104.74 | 0.2 % |
| Q3 2010 | 171.72 | (2.3 %) | 124.24 | 4.0 % | 105.04 | (1.0 %) |
| Q4 2010 | 173.56 | (1.6 %) | 126.95 | 1.3 % | 106.03 | (0.5 %) |
| 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 % |
| Period | Assets | Change | Customer Deposits | Change | Loan | Change |
|---|---|---|---|---|---|---|
| 3m 2010 | 174.29 | 4.2 % | 128.11 | 7.5 % | 106.28 | 6.1 % |
| 6m 2010 | 169.34 | (2.0 %) | 124.10 | 1.7 % | 104.74 | 0.2 % |
| 9m 2010 | 171.72 | (2.3 %) | 124.24 | 4.0 % | 105.04 | (1.0 %) |
| 12m 2010 | 173.56 | (1.6 %) | 126.95 | 1.3 % | 106.03 | (0.5 %) |
| 3m 2011 | 180.72 | 3.7 % | 133.14 | 3.9 % | 109.36 | 2.9 % |
| 6m 2011 | 177.53 | 4.8 % | 132.40 | 6.7 % | 110.58 | 5.6 % |
| 9m 2011 | 180.37 | 5.0 % | 132.33 | 6.5 % | 112.14 | 6.8 % |
| 12m 2011 | 180.89 | 4.2 % | 139.82 | 10.1 % | 112.97 | 6.5 % |
| 3m 2012 | 183.39 | 1.5 % | 139.54 | 4.8 % | 113.69 | 4.0 % |
| 6m 2012 | 180.64 | 1.7 % | 137.06 | 3.5 % | 115.09 | 4.1 % |
| 9m 2012 | 177.10 | (1.8 %) | 134.93 | 2.0 % | 115.29 | 2.8 % |
| 12m 2012 | 190.18 | 5.1 % | 146.21 | 4.6 % | 117.47 | 4.0 % |
| 3m 2013 | 186.45 | 1.7 % | 143.96 | 3.2 % | 120.92 | 6.4 % |
| 6m 2013 | 191.63 | 6.1 % | 147.88 | 7.9 % | 126.19 | 9.6 % |
| 9m 2013 | 201.80 | 13.9 % | 154.19 | 14.3 % | 129.90 | 12.7 % |
| 12m 2013 | 205.25 | 7.9 % | 153.20 | 4.8 % | 131.19 | 11.7 % |
| 3m 2014 | 211.41 | 13.4 % | 159.95 | 11.1 % | 136.77 | 13.1 % |
| 6m 2014 | 213.99 | 11.7 % | 160.10 | 8.3 % | 140.77 | 11.6 % |
| 9m 2014 | 217.07 | 7.6 % | 161.64 | 4.8 % | 140.70 | 8.3 % |
| 12m 2014 | 214.59 | 4.6 % | 164.08 | 7.1 % | 133.49 | 1.8 % |
| 3m 2015 | 216.53 | 2.4 % | 165.02 | 3.2 % | 138.04 | 0.9 % |
| 6m 2015 | 222.48 | 4.0 % | 167.07 | 4.4 % | 137.10 | (2.6 %) |
| 9m 2015 | 216.98 | 0.0 % | 161.12 | (0.3 %) | 138.46 | (1.6 %) |
| 12m 2015 | 223.32 | 4.1 % | 167.85 | 2.3 % | 145.07 | 8.7 % |
| 3m 2016 | 227.00 | 4.8 % | 165.76 | 0.4 % | 152.56 | 10.5 % |
| 6m 2016 | 227.78 | 2.4 % | 164.04 | (1.8 %) | 154.67 | 12.8 % |
| 9m 2016 | 223.47 | 3.0 % | 160.82 | (0.2 %) | 152.63 | 10.2 % |
| 12m 2016 | 217.62 | (2.6 %) | 156.68 | (6.7 %) | 142.91 | (1.5 %) |
| 3m 2017 | 216.32 | (4.7 %) | 154.19 | (7.0 %) | 140.92 | (7.6 %) |
| 6m 2017 | 218.99 | (3.9 %) | 156.98 | (4.3 %) | 141.18 | (8.7 %) |
| 9m 2017 | 218.22 | (2.3 %) | 156.05 | (3.0 %) | 142.07 | (6.9 %) |
| 12m 2017 | 216.28 | (0.6 %) | 154.37 | (1.5 %) | 138.84 | (2.8 %) |
| 3m 2018 | 213.67 | (1.2 %) | 151.92 | (1.5 %) | 141.22 | 0.2 % |
| 6m 2018 | 215.48 | (1.6 %) | 153.42 | (2.3 %) | 144.31 | 2.2 % |
| 9m 2018 | 225.97 | 3.5 % | 159.24 | 2.0 % | 145.76 | 2.6 % |
| 12m 2018 | 229.90 | 6.3 % | 169.82 | 10.0 % | 151.02 | 8.8 % |
| 3m 2019 | 239.52 | 12.1 % | 173.49 | 14.2 % | 158.24 | 12.1 % |
| 6m 2019 | 246.12 | 14.2 % | 176.51 | 15.1 % | 161.32 | 11.8 % |
| Period | Assets | Change | Customer Deposits | Change | Loan | Change |
|---|---|---|---|---|---|---|
| 2009 | 176.40 | 10.5 % | 125.28 | 19.2 % | 106.51 | 10.5 % |
| 2010 | 173.56 | (1.6 %) | 126.95 | 1.3 % | 106.03 | (0.5 %) |
| 2011 | 180.89 | 4.2 % | 139.82 | 10.1 % | 112.97 | 6.5 % |
| 2012 | 190.18 | 5.1 % | 146.21 | 4.6 % | 117.47 | 4.0 % |
| 2013 | 205.25 | 7.9 % | 153.20 | 4.8 % | 131.19 | 11.7 % |
| 2014 | 214.59 | 4.6 % | 164.08 | 7.1 % | 133.49 | 1.8 % |
| 2015 | 223.32 | 4.1 % | 167.85 | 2.3 % | 145.07 | 8.7 % |
| 2016 | 217.62 | (2.6 %) | 156.68 | (6.7 %) | 142.91 | (1.5 %) |
| 2017 | 216.28 | (0.6 %) | 154.37 | (1.5 %) | 138.84 | (2.8 %) |
| 2018 | 229.90 | 6.3 % | 169.82 | 10.0 % | 151.02 | 8.8 % |
| Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
|---|---|---|---|
| Q1 2010 | 73.50 % | 60.98 % | 82.96 % |
| Q2 2010 | 73.29 % | 61.86 % | 84.40 % |
| Q3 2010 | 72.35 % | 61.17 % | 84.55 % |
| Q4 2010 | 73.14 % | 61.10 % | 83.53 % |
| 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 % |
| Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
|---|---|---|---|
| 2009 | 71.02 % | 60.38 % | 85.02 % |
| 2010 | 73.14 % | 61.10 % | 83.53 % |
| 2011 | 77.30 % | 62.45 % | 80.80 % |
| 2012 | 76.88 % | 61.77 % | 80.34 % |
| 2013 | 74.64 % | 63.92 % | 85.63 % |
| 2014 | 76.46 % | 62.21 % | 81.36 % |
| 2015 | 75.16 % | 64.96 % | 86.42 % |
| 2016 | 72.00 % | 65.67 % | 91.21 % |
| 2017 | 71.37 % | 64.19 % | 89.94 % |
| 2018 | 73.87 % | 65.69 % | 88.93 % |
| Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
|---|---|---|---|---|---|
| Q1 2010 | 3,000.00 | 1.09 | 1.09 | - | 9.27 |
| Q2 2010 | 3,000.00 | 1.04 | 1.04 | - | 9.50 |
| Q3 2010 | 3,000.00 | 0.99 | 0.99 | - | 9.49 |
| Q4 2010 | 3,000.00 | 0.94 | 0.94 | - | 9.74 |
| 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 |
| Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
|---|---|---|---|---|---|
| 2009 | 3,000.00 | 1.01 | 1.01 | - | 9.41 |
| 2010 | 3,000.00 | 0.94 | 0.94 | - | 9.74 |
| 2011 | 3,000.00 | 1.05 | 1.05 | - | 10.05 |
| 2012 | 3,000.00 | 1.16 | 1.16 | - | 10.65 |
| 2013 | 3,000.00 | 1.32 | 1.32 | - | 11.29 |
| 2014 | 3,000.00 | 1.45 | 1.45 | 1.45 | 11.85 |
| 2015 | 3,000.00 | 1.35 | 1.26 | 1.35 | 12.18 |
| 2016 | 3,000.00 | 1.11 | 1.05 | 1.11 | 12.32 |
| 2017 | 3,000.00 | 1.32 | 1.32 | 1.32 | 12.87 |
| 2018 | 3,000.00 | 1.03 | 1.28 | 1.03 | 12.26 |
| Period | P/E | Adjusted P/E | Price/book |
|---|---|---|---|
| Q1 2010 | 13.97 | 13.97 | 1.65 |
| Q2 2010 | 13.50 | 13.50 | 1.48 |
| Q3 2010 | 14.28 | 14.28 | 1.49 |
| Q4 2010 | 14.13 | 14.13 | 1.36 |
| 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 |
| Period | P/E | Adjusted P/E | Price/book |
|---|---|---|---|
| 2009 | 13.31 | 13.31 | 1.43 |
| 2010 | 14.13 | 14.13 | 1.36 |
| 2011 | 11.10 | 11.10 | 1.16 |
| 2012 | 9.95 | 9.95 | 1.08 |
| 2013 | 11.10 | 11.10 | 1.29 |
| 2014 | 11.72 | 11.72 | 1.43 |
| 2015 | 9.20 | 9.85 | 1.02 |
| 2016 | 10.41 | 11.07 | 0.94 |
| 2017 | 9.47 | 9.47 | 0.97 |
| 2018 | 19.24 | 15.51 | 1.62 |
Q2 2019
2019
| Period | Corporate and Institutional Banking | Retail | Trade and other business | Investment Banking and Brokerage | Others.. |
|---|---|---|---|---|---|
| Q1 2010 | 645.79 | 396.76 | 152.93 | 52.71 | 221.22 |
| Q2 2010 | 596.25 | 441.75 | 214.00 | 70.11 | 205.15 |
| Q3 2010 | 592.32 | 442.06 | 261.22 | 48.11 | 154.46 |
| Q4 2010 | 614.60 | 375.11 | 223.17 | 58.55 | 214.19 |
| 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 | - |
| Period | Corporate and Institutional Banking | Retail | Trade and other business | Investment Banking and Brokerage | Others.. |
|---|---|---|---|---|---|
| 2009 | 2,518.72 | 1,665.67 | 134.46 | 238.51 | 1,402.75 |
| 2010 | 2,448.96 | 1,655.68 | 851.32 | 229.48 | 795.02 |
| 2011 | 2,856.30 | 1,921.41 | 1,069.76 | 297.53 | 130.80 |
| 2012 | 2,943.74 | 2,006.64 | 1,150.53 | 353.52 | 331.83 |
| 2013 | 3,212.11 | 2,373.35 | 1,041.68 | 352.79 | 94.09 |
| 2014 | 3,621.56 | 2,502.06 | 1,196.69 | 408.64 | 282.82 |
| 2015 | 3,368.60 | 2,732.62 | 1,130.21 | 363.13 | 371.41 |
| 2016 | 2,863.27 | 2,321.85 | 1,235.36 | 282.60 | 999.20 |
| 2017 | 3,471.16 | 2,674.96 | 1,676.49 | 302.60 | - |
| 2018 | 3,576.04 | 3,197.39 | 1,814.14 | 379.83 | - |
| Item | Q2 2019 (e) | Q2 2019 (a) | Change |
|---|---|---|---|
| Average | 1,479.20 | 1,499.75 | 1.39 % |
| Item | Q2 2019 (e) | Q2 2019 (a) | Change |
|---|---|---|---|
| OSOOL AND BAKHEET | 1,479.20 | 1,499.75 | 1.4 % |
| Current | |
| Market Cap (M Riyal) | 79,050.00 |
| Shares Outstanding ((M)) | 3,000.00 |
| EPS ( Riyal) (TTM) | 2.70 |
| EPS Diluted ( Riyal) (TTM) | 2.60 |
| Book Value (BV) ( Riyal) | 17.84 |
| Par Value ( Riyal) | 10.00 |
| Adjusted P/E (Last12) | 9.76 |
| P/E (TTM) | 9.76 |
| Price/book | 1.48 |
| Return on Average Assets (%) (TTM) | 2.1 |
| Return on Average Equity (%) (TTM) | 15.8 |
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