Riyad Bank posted a 27% rise in H1 2023 net profit to SAR 4 billion, compared to SAR 3.16 billion in the prior-year period.
Item | 6m 2022 | 6m 2023 | Change |
---|---|---|---|
Net Special Commission Income | 4,528.61 | 6,197.47 | 36.9 % |
Operating Income | 6,332.00 | 7,988.55 | 26.2 % |
Total Provisions | (449.18) | (1065.33) | (137.2 %) |
Net Income | 3,163.82 | 4,001.91 | 26.5 % |
Average Shares | 3,000.00 | 3,000.00 | - |
EPS (Riyals) | 1.05 | 1.33 | 26.5 % |
EPS Diluted (Riyals) | 1.04 | 1.28 | 23.1 % |
The year-on-year (YoY) profit increase was attributed to a rise in total operating income, mainly due to higher net special commission income, trading gains, exchange income, net and other operating income. However, this was partially offset by a drop in gains on disposal of non-trading investments, net fee and commission income, and dividend income.
On the other hand, the bank reported higher operating expenses (OpEx) due to an increase in the net provision for impairment of credit losses and other financial assets, along with other general and administrative expenses.
Item | Q2 2022 | Q2 2023 | Change |
---|---|---|---|
Net Special Commission Income | 2,396.73 | 3,109.12 | 29.7 % |
Operating Income | 3,230.47 | 3,952.32 | 22.3 % |
Debt Provisions | (301.53) | (484.44) | (60.7 %) |
Net Income | 1,611.23 | 1,982.32 | 23.0 % |
Average Shares | 3,000.00 | 3,000.00 | - |
EPS (Riyals) | 0.54 | 0.66 | 23.0 % |
EPS Diluted (Riyal) | 0.53 | 0.64 | 20.8 % |
Item | Q1 2023 | Q2 2023 | Change |
---|---|---|---|
Net Special Commission Income | 3,088.35 | 3,109.12 | 0.7 % |
Operating Income | 4,036.23 | 3,952.32 | (2.1 %) |
Debt Provisions | (580.89) | (484.44) | 16.6 % |
Net Income | 2,019.59 | 1,982.32 | (1.8 %) |
Average Shares | 3,000.00 | 3,000.00 | - |
EPS (Riyals) | 0.67 | 0.66 | (1.8 %) |
EPS Diluted (Riyal) | 0.64 | 0.64 | 0.0 % |
The three-month net profit jumped 23% to SAR 1.98 billion from SAR 1.61 billion in Q2 2022.
Net profit decreased by 1.8% from SAR 2.01 billion in Q1 2023.
Shareholders’ equity, no minority interest, increased to SAR 51.12 billion as of June 30, 2023, from SAR 46.63 billion a year earlier.
Item | 6m 2022 | 6m 2023 | Change |
---|---|---|---|
Assets | 357.95 | 389.24 | 8.7 % |
Customer Deposits | 237.48 | 272.27 | 14.6 % |
Loan | 239.65 | 263.15 | 9.8 % |
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change | Net Income | Change | EPS(Riyal) |
---|---|---|---|---|---|---|---|---|---|
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 |
Q3 2019 | 2,034.23 | 18.4 % | 2,762.69 | 21.1 % | (189.84) | 21.9 % | 1,506.35 | 59.4 % | 0.50 |
Q4 2019 | 2,031.12 | 15.5 % | 2,704.66 | 13.5 % | (334.93) | (96.6 %) | 1,111.18 | 186.6 % | 0.37 |
2019 | 7,837.02 | 18.2 % | 10,717.06 | 19.5 % | (970.20) | (3.4 %) | 5,602.07 | 81.2 % | 1.87 |
Q1 2020 | 1,989.32 | 10.0 % | 2,885.48 | 11.8 % | (303.40) | (86.9 %) | 1,476.43 | (0.6 %) | 0.49 |
Q2 2020 | 2,115.75 | 7.8 % | 2,708.95 | 1.5 % | (569.99) | (101.4 %) | 1,063.05 | (29.1 %) | 0.35 |
Q3 2020 | 2,072.67 | 1.9 % | 2,820.99 | 2.1 % | (466.07) | (145.5 %) | 1,295.98 | (14.0 %) | 0.43 |
Q4 2020 | 2,035.87 | 0.2 % | 2,789.71 | 3.1 % | (647.62) | (93.4 %) | 879.54 | (20.8 %) | 0.29 |
2020 | 8,213.61 | 4.8 % | 11,205.12 | 4.6 % | (1,987.07) | (104.8 %) | 4,715.00 | (15.8 %) | 1.57 |
Q1 2021 | 2,095.80 | 5.4 % | 2,823.83 | (2.1 %) | (249.40) | 17.8 % | 1,353.62 | (8.3 %) | 0.45 |
Q2 2021 | 2,146.02 | 1.4 % | 2,978.09 | 9.9 % | (229.32) | 59.8 % | 1,511.60 | 42.2 % | 0.50 |
Q3 2021 | 1,981.71 | (4.4 %) | 2,816.58 | (0.2 %) | (138.62) | 70.3 % | 1,542.81 | 19.0 % | 0.51 |
Q4 2021 | 2,069.63 | 1.7 % | 2,949.34 | 5.7 % | (243.52) | 62.4 % | 1,617.36 | 83.9 % | 0.54 |
2021 | 8,293.17 | 1.0 % | 11,567.84 | 3.2 % | (860.85) | 56.7 % | 6,025.38 | 27.8 % | 2.01 |
Q1 2022 | 2,131.88 | 1.7 % | 3,101.53 | 9.8 % | (147.66) | 40.8 % | 1,552.59 | 14.7 % | 0.52 |
Q2 2022 | 2,396.73 | 11.7 % | 3,230.47 | 8.5 % | (301.53) | (31.5 %) | 1,611.23 | 6.6 % | 0.54 |
Q3 2022 | 2,672.19 | 34.8 % | 3,525.13 | 25.2 % | (203.53) | (46.8 %) | 1,827.67 | 18.5 % | 0.61 |
Q4 2022 | 2,851.65 | 37.8 % | 3,742.24 | 26.9 % | (377.88) | (55.2 %) | 2,027.83 | 25.4 % | 0.68 |
2022 | 10,052.45 | 21.2 % | 13,599.37 | 17.6 % | (1,030.59) | (19.7 %) | 7,019.32 | 16.5 % | 2.34 |
Q1 2023 | 3,088.35 | 44.9 % | 4,036.23 | 30.1 % | (580.89) | (293.4 %) | 2,019.59 | 30.1 % | 0.67 |
Q2 2023 | 3,109.12 | 29.7 % | 3,952.32 | 22.3 % | (484.44) | (60.7 %) | 1,982.32 | 23.0 % | 0.66 |
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change | Net Income | Change | EPS(Riyal) |
---|---|---|---|---|---|---|---|---|---|
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 |
2019 | 7,837.02 | 18.2 % | 10,717.06 | 19.5 % | (970.20) | (3.4 %) | 5,602.07 | 81.2 % | 1.87 |
2020 | 8,213.61 | 4.8 % | 11,205.12 | 4.6 % | (1,987.07) | (104.8 %) | 4,715.00 | (15.8 %) | 1.57 |
2021 | 8,293.17 | 1.0 % | 11,567.84 | 3.2 % | (860.85) | 56.7 % | 6,025.38 | 27.8 % | 2.01 |
2022 | 10,052.45 | 21.2 % | 13,599.37 | 17.6 % | (1,030.59) | (19.7 %) | 7,019.32 | 16.5 % | 2.34 |
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
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 % |
Q3 2019 | 2.05 % | 12.84 % | 72.76 % |
Q4 2019 | 2.26 % | 14.49 % | 73.13 % |
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 % |
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 % |
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 % |
Q4 2022 | 2.05 % | 14.49 % | 73.92 % |
2022 | 2.05 % | 14.49 % | 73.92 % |
Q1 2023 | 2.05 % | 15.38 % | 75.75 % |
Q2 2023 | 2.10 % | 16.07 % | 76.83 % |
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
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 % |
2019 | 2.26 % | 14.49 % | 73.13 % |
2020 | 1.64 % | 11.10 % | 73.30 % |
2021 | 1.90 % | 13.15 % | 71.69 % |
2022 | 2.05 % | 14.49 % | 73.92 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
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 % |
Q4 2022 | 359.65 | 10.4 % | 240.01 | 13.4 % | 242.36 | 11.5 % |
Q1 2023 | 380.62 | 9.2 % | 257.28 | 10.7 % | 251.98 | 7.3 % |
Q2 2023 | 389.24 | 8.7 % | 272.27 | 14.7 % | 263.15 | 9.8 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
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 % |
9m 2019 | 250.57 | 10.9 % | 177.67 | 11.6 % | 166.28 | 14.1 % |
12m 2019 | 265.79 | 15.6 % | 194.52 | 14.5 % | 173.98 | 15.2 % |
3m 2020 | 279.70 | 16.8 % | 192.90 | 11.2 % | 182.78 | 15.5 % |
6m 2020 | 295.08 | 19.9 % | 199.99 | 13.3 % | 187.65 | 16.3 % |
9m 2020 | 308.56 | 23.1 % | 201.29 | 13.3 % | 190.82 | 14.8 % |
12m 2020 | 310.09 | 16.7 % | 203.04 | 4.4 % | 191.35 | 10.0 % |
3m 2021 | 308.04 | 10.1 % | 198.60 | 3.0 % | 196.44 | 7.5 % |
6m 2021 | 317.27 | 7.5 % | 202.45 | 1.2 % | 204.74 | 9.1 % |
9m 2021 | 318.66 | 3.3 % | 204.00 | 1.3 % | 210.48 | 10.3 % |
12m 2021 | 325.74 | 5.0 % | 211.68 | 4.3 % | 217.29 | 13.6 % |
3m 2022 | 348.47 | 13.1 % | 232.42 | 17.0 % | 234.79 | 19.5 % |
6m 2022 | 357.95 | 12.8 % | 237.48 | 17.3 % | 239.65 | 17.0 % |
9m 2022 | 347.88 | 9.2 % | 235.89 | 15.6 % | 241.59 | 14.8 % |
12m 2022 | 359.65 | 10.4 % | 240.01 | 13.4 % | 242.36 | 11.5 % |
3m 2023 | 380.62 | 9.2 % | 257.28 | 10.7 % | 251.98 | 7.3 % |
6m 2023 | 389.24 | 8.7 % | 272.27 | 14.7 % | 263.15 | 9.8 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
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 % |
2019 | 265.79 | 15.6 % | 194.52 | 14.5 % | 173.98 | 15.2 % |
2020 | 310.09 | 16.7 % | 203.04 | 4.4 % | 191.35 | 10.0 % |
2021 | 325.74 | 5.0 % | 211.68 | 4.3 % | 217.29 | 13.6 % |
2022 | 359.65 | 10.4 % | 240.01 | 13.4 % | 242.36 | 11.5 % |
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
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 % |
Q4 2022 | 66.73 % | 67.39 % | 100.98 % |
Q1 2023 | 67.59 % | 66.20 % | 97.94 % |
Q2 2023 | 69.95 % | 67.61 % | 96.65 % |
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
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 % |
2019 | 73.19 % | 65.46 % | 89.44 % |
2020 | 65.48 % | 61.71 % | 94.24 % |
2021 | 64.98 % | 66.71 % | 102.65 % |
2022 | 66.73 % | 67.39 % | 100.98 % |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
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 |
Q4 2022 | 3,000.00 | 2.34 | 2.34 | 2.32 | 16.53 |
Q1 2023 | 3,000.00 | 2.50 | 2.50 | 2.45 | 16.42 |
Q2 2023 | 3,000.00 | 2.62 | 2.62 | 2.56 | 17.04 |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
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 |
2019 | 3,000.00 | 1.87 | 1.87 | 1.87 | 13.52 |
2020 | 3,000.00 | 1.57 | 1.57 | 1.57 | 14.79 |
2021 | 3,000.00 | 2.01 | 2.01 | 2.01 | 15.77 |
2022 | 3,000.00 | 2.34 | 2.34 | 2.32 | 16.53 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
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 |
Q4 2022 | 13.71 | 13.71 | 1.92 |
Q1 2023 | 12.12 | 12.12 | 1.81 |
Q2 2023 | 13.14 | 13.14 | 1.97 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
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 |
2019 | 12.83 | 12.83 | 1.77 |
2020 | 12.87 | 12.87 | 1.37 |
2021 | 13.48 | 13.48 | 1.72 |
2022 | 13.71 | 13.71 | 1.92 |
Q2 2023
2023
Period | Corporate and Institutional Banking | Retail | Trade and other business | Investment Banking and Brokerage | Others.. |
---|---|---|---|---|---|
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 | - |
Q4 2022 | 1,737.37 | 957.65 | 752.66 | 294.56 | - |
Q1 2023 | 2,058.53 | 1,090.83 | 694.61 | 192.26 | - |
Q2 2023 | 1,624.93 | 887.20 | 1,223.12 | 217.07 | - |
Period | Corporate and Institutional Banking | Retail | Trade and other business | Investment Banking and Brokerage | Others.. |
---|---|---|---|---|---|
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 | - |
2019 | 4,239.01 | 3,719.54 | 2,169.95 | 588.57 | - |
2020 | 4,301.58 | 3,744.44 | 2,392.19 | 766.80 | - |
2021 | 4,314.40 | 3,747.02 | 2,533.53 | 972.89 | - |
2022 | 6,361.82 | 4,154.97 | 2,055.74 | 1,026.84 | - |
Item | Q2 2023 (e) | Q2 2023 (a) | Change |
---|---|---|---|
Average | 2,136.40 | 1,982.32 | (7.2 %) |
Item | Q2 2023 (e) | Q2 2023 (a) | Change |
---|---|---|---|
Bank of America | 2,041.00 | 1,982.32 | (2.9) % |
FAB Securities | 2,081.00 | 1,982.32 | (4.7) % |
Arqaam Capital | 2,089.00 | 1,982.32 | (5.1) % |
SNB Capital | 2,115.00 | 1,982.32 | (6.3) % |
Goldman Sachs | 2,160.00 | 1,982.32 | (8.2) % |
HSBC | 2,172.00 | 1,982.32 | (8.7) % |
Hermes | 2,180.00 | 1,982.32 | (9.1) % |
OSOOL AND BAKHEET | 2,253.20 | 1,982.32 | (12.0) % |
Current | |
Market Cap (M Riyal) | 80,850.00 |
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) | 9.98 |
P/E (TTM) | 9.98 |
Price/book | 1.51 |
Return on Average Assets (%) (TTM) | 2.1 |
Return on Average Equity (%) (TTM) | 15.8 |
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