SAMBA’s 2014 net profit up 11% to SAR 5011 mln

13/01/2015 Argaam Exclusive

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Share Price

Samba Financial Group
38.50
1.70 4.62 %

 

SAMBA Financial Group, the third largest Saudi bank in terms of assets, reported 2014 net profit of SAR 5011 million, an 11 percent increase compared to the last year,as shown below:

 



Financials (M)

Item 2013 2014 Change‬
Net Special Commission Income 4,528.28 4,593.36 1.4 %
Operating Income 7,000.53 7,384.84 5.5 %
Total Provisions (353.36) (141.33) 60.0 %
Net Income 4,510.05 5,005.08 11.0 %
Average Shares 2,000.00 2,000.00 -
EPS (Riyals) 2.26 2.50 11.0 %

 

A net profit of SAR 1232.0 million was reported for Q4-2014 compared to SAR 1281.0 million for Q3.

The bank attributed the increase of 2014’s net profit compared to the last year to the increase of total operating income and decrease of operating expenses.

 

The increase of Q4-2014’s net profit compared to the same period last year to the increase of total operating income.

 

The decline of net profit in Q4-2014 compared to the previous period (Q3-2014) was attributed to the decrease of operating income.



Current Quarter Comparison (M)

Compared With The
Item Q4 2013 Q4 2014 Change‬
Net Special Commission Income 1,116.58 1,173.72 5.1 %
Operating Income 1,601.90 1,817.32 13.4 %
Debt Provisions (15.31) (31.80) (107.7 %)
Net Income 1,005.87 1,231.70 22.5 %
Average Shares 2,000.00 2,000.00 -
EPS (Riyals) 0.50 0.62 22.5 %

Balance Sheet (B)

Item 2013 2014 Change‬
Assets 205.04 217.40 6.0 %
Customer Deposits 158.34 163.79 3.4 %
Loan 113.46 124.08 9.4 %


Financial results (Million)

Period Net Special Commission Income Change Operating Income Change Debt Provisions Change Net Income Change EPS(Riyal)
Q1 2005 848.36 31.3 % 1,210.05 36.4 % (58.25) (414.8 %) 815.92 40.4 % 0.41
Q2 2005 870.84 21.0 % 1,436.01 45.2 % (95.57) (83.2 %) 993.85 58.0 % 0.50
Q3 2005 889.72 12.6 % 1,570.82 47.6 % (13.89) 71.0 % 1,192.39 71.6 % 0.60
Q4 2005 899.00 13.0 % 1,610.68 52.7 % (130.36) (81.8 %) 1,016.09 69.2 % 0.51
Q1 2006 1,014.33 19.6 % 1,922.13 58.8 % (95.76) (64.4 %) 1,427.70 75.0 % 0.71
Q2 2006 1,063.61 22.1 % 1,906.26 32.7 % (70.55) 26.2 % 1,402.05 41.1 % 0.70
Q3 2006 1,103.67 24.0 % 1,850.92 17.8 % 25.21 281.5 % 1,442.63 21.0 % 0.72
Q4 2006 1,119.34 24.5 % 1,593.42 (1.1 %) (122.58) 6.0 % 937.99 (7.7 %) 0.47
Q1 2007 1,162.12 14.6 % 1,837.11 (4.4 %) (117.65) (22.9 %) 1,270.19 (11.0 %) 0.64
Q2 2007 1,193.35 12.2 % 1,888.21 (0.9 %) (91.44) (29.6 %) 1,298.18 (7.4 %) 0.65
Q3 2007 1,321.64 19.7 % 1,794.45 (3.1 %) (54.75) (317.2 %) 1,304.93 (9.5 %) 0.65
Q4 2007 1,267.29 13.2 % 1,676.27 5.2 % (47.66) 61.1 % 954.97 1.8 % 0.48
Q1 2008 1,311.53 12.9 % 1,789.96 (2.6 %) (56.60) 51.9 % 1,201.13 (5.4 %) 0.60
Q2 2008 1,198.69 0.4 % 1,877.91 (0.5 %) (37.83) 58.6 % 1,223.72 (5.7 %) 0.61
Q3 2008 1,261.05 (4.6 %) 1,737.37 (3.2 %) (33.17) 39.4 % 1,203.28 (7.8 %) 0.60
Q4 2008 1,289.98 1.8 % 1,606.66 (4.2 %) (139.48) (192.7 %) 825.71 (13.5 %) 0.41
Q1 2009 1,309.17 (0.2 %) 1,987.72 11.0 % (202.97) (258.6 %) 1,271.62 5.9 % 0.64
Q2 2009 1,304.21 8.8 % 1,819.69 (3.1 %) (97.29) (157.1 %) 1,243.17 1.6 % 0.62
Q3 2009 1,294.13 2.6 % 1,755.36 1.0 % (76.93) (132.0 %) 1,210.53 0.6 % 0.61
Q4 2009 1,162.01 (9.9 %) 1,546.87 (3.7 %) (227.63) (63.2 %) 834.87 1.1 % 0.42
Q1 2010 1,171.72 (10.5 %) 1,840.92 (7.4 %) (160.10) 21.1 % 1,210.64 (4.8 %) 0.61
Q2 2010 1,202.35 (7.8 %) 1,771.78 (2.6 %) (57.44) 41.0 % 1,220.34 (1.8 %) 0.61
Q3 2010 1,108.04 (14.4 %) 1,729.17 (1.5 %) (158.10) (105.5 %) 1,103.16 (8.9 %) 0.55
Q4 2010 1,054.35 (9.3 %) 1,558.63 0.8 % (183.15) 19.5 % 900.99 7.9 % 0.45
Q1 2011 1,069.27 (8.7 %) 1,700.95 (7.6 %) (92.80) 42.0 % 1,123.13 (7.2 %) 0.56
Q2 2011 1,133.39 (5.7 %) 1,634.52 (7.7 %) (11.04) 80.8 % 1,102.06 (9.7 %) 0.55
Q3 2011 1,053.38 (4.9 %) 1,713.21 (0.9 %) (90.88) 42.5 % 1,135.09 2.9 % 0.57
Q4 2011 1,052.43 (0.2 %) 1,513.68 (2.9 %) (106.69) 41.7 % 942.99 4.7 % 0.47
Q1 2012 1,054.81 (1.4 %) 1,796.16 5.6 % (137.54) (48.2 %) 1,144.50 1.9 % 0.57
Q2 2012 1,078.63 (4.8 %) 1,744.66 6.7 % (60.86) (451.1 %) 1,157.50 5.0 % 0.58
Q3 2012 1,109.94 5.4 % 1,694.92 (1.1 %) (34.95) 61.5 % 1,159.61 2.2 % 0.58
Q4 2012 1,029.99 (2.1 %) 1,458.34 (3.7 %) (65.30) 38.8 % 868.56 (7.9 %) 0.43
Q1 2013 1,081.96 2.6 % 1,896.97 5.6 % (218.20) (58.6 %) 1,158.26 1.2 % 0.58
Q2 2013 1,148.93 6.5 % 1,756.24 0.7 % (59.40) 2.4 % 1,175.05 1.5 % 0.59
Q3 2013 1,180.81 6.4 % 1,745.42 3.0 % (60.45) (73.0 %) 1,170.87 1.0 % 0.59
Q4 2013 1,116.58 8.4 % 1,601.90 9.8 % (15.31) 76.6 % 1,005.87 15.8 % 0.50
Q1 2014 1,083.08 0.1 % 1,873.11 (1.3 %) (70.28) 67.8 % 1,240.09 7.1 % 0.62
Q2 2014 1,161.51 1.1 % 1,844.25 5.0 % (31.91) 46.3 % 1,257.00 7.0 % 0.63
Q3 2014 1,175.06 (0.5 %) 1,850.16 6.0 % (7.35) 87.8 % 1,276.29 9.0 % 0.64
Q4 2014 1,173.72 5.1 % 1,817.32 13.4 % (31.80) (107.7 %) 1,231.70 22.5 % 0.62
2014 4,593.36 1.4 % 7,384.84 5.5 % (141.33) 60.0 % 5,005.08 11.0 % 2.50

Profitability

Period Return On Average Assets Return on Average Equity Net Interest Income/Total Operating Income
Q1 2005 2.88 % 28.44 % 73.03 %
Q2 2005 3.26 % 31.30 % 69.35 %
Q3 2005 3.54 % 33.12 % 64.57 %
Q4 2005 3.96 % 34.88 % 60.20 %
Q1 2006 4.22 % 41.85 % 56.18 %
Q2 2006 4.66 % 41.09 % 55.16 %
Q3 2006 4.65 % 40.05 % 55.98 %
Q4 2006 4.49 % 36.95 % 59.14 %
Q1 2007 4.14 % 36.15 % 61.89 %
Q2 2007 4.10 % 33.89 % 63.86 %
Q3 2007 3.74 % 30.79 % 67.43 %
Q4 2007 3.47 % 29.13 % 68.71 %
Q1 2008 3.08 % 28.32 % 71.25 %
Q2 2008 3.00 % 27.99 % 71.43 %
Q3 2008 2.79 % 25.93 % 71.15 %
Q4 2008 2.67 % 23.63 % 72.18 %
Q1 2009 2.60 % 24.21 % 70.17 %
Q2 2009 2.52 % 24.15 % 72.21 %
Q3 2009 2.45 % 22.61 % 72.50 %
Q4 2009 2.50 % 21.63 % 71.30 %
Q1 2010 2.54 % 21.19 % 70.83 %
Q2 2010 2.45 % 20.22 % 69.85 %
Q3 2010 2.37 % 18.53 % 67.42 %
Q4 2010 2.38 % 18.58 % 65.74 %
Q1 2011 2.31 % 17.67 % 65.59 %
Q2 2011 2.23 % 16.54 % 65.90 %
Q3 2011 2.28 % 16.18 % 65.24 %
Q4 2011 2.26 % 16.07 % 65.65 %
Q1 2012 2.23 % 15.65 % 64.50 %
Q2 2012 2.25 % 15.72 % 62.64 %
Q3 2012 2.26 % 15.24 % 63.65 %
Q4 2012 2.22 % 14.49 % 63.84 %
Q1 2013 2.20 % 14.22 % 63.29 %
Q2 2013 2.17 % 14.01 % 64.22 %
Q3 2013 2.16 % 13.64 % 64.78 %
Q4 2013 2.24 % 13.58 % 64.68 %
Q1 2014 2.25 % 13.65 % 64.92 %
Q2 2014 2.24 % 13.56 % 64.29 %
Q3 2014 2.28 % 13.39 % 63.27 %
Q4 2014 2.37 % 13.60 % 62.20 %
2014 2.37 % 13.60 % 62.20 %

Balance Sheet (B)

Period Assets Change Customer Deposits Change Loan Change
Q1 2005 105.10 23.6 % 70.96 9.4 % 53.61 42.1 %
Q2 2005 103.74 19.3 % 81.24 26.0 % 57.26 41.9 %
Q3 2005 111.47 21.4 % 82.46 12.7 % 60.84 36.9 %
Q4 2005 108.31 14.4 % 85.24 27.1 % 62.39 29.5 %
Q1 2006 114.52 9.0 % 93.34 31.5 % 64.65 20.6 %
Q2 2006 112.57 8.5 % 86.64 6.6 % 66.27 15.7 %
Q3 2006 115.76 3.8 % 89.47 8.5 % 66.94 10.0 %
Q4 2006 124.01 14.5 % 94.86 11.3 % 67.03 7.4 %
Q1 2007 129.66 13.2 % 97.64 4.6 % 67.97 5.1 %
Q2 2007 129.12 14.7 % 98.29 13.4 % 72.54 9.5 %
Q3 2007 141.29 22.1 % 105.91 18.4 % 77.91 16.4 %
Q4 2007 154.41 24.5 % 115.81 22.1 % 80.55 20.2 %
Q1 2008 179.82 38.7 % 119.46 22.3 % 90.66 33.4 %
Q2 2008 183.64 42.2 % 121.72 23.8 % 96.36 32.8 %
Q3 2008 187.06 32.4 % 124.95 18.0 % 96.30 23.6 %
Q4 2008 178.89 15.9 % 134.23 15.9 % 98.15 21.8 %
Q1 2009 168.34 (6.4 %) 124.22 4.0 % 90.11 (0.6 %)
Q2 2009 177.05 (3.6 %) 138.17 13.5 % 87.95 (8.7 %)
Q3 2009 184.08 (1.6 %) 141.71 13.4 % 85.68 (11.0 %)
Q4 2009 185.52 3.7 % 147.13 9.6 % 84.15 (14.3 %)
Q1 2010 185.88 10.4 % 137.25 10.5 % 85.20 (5.4 %)
Q2 2010 188.36 6.4 % 136.07 (1.5 %) 82.72 (5.9 %)
Q3 2010 185.01 0.5 % 131.93 (6.9 %) 81.32 (5.1 %)
Q4 2010 187.42 1.0 % 133.46 (9.3 %) 80.25 (4.6 %)
Q1 2011 190.90 2.7 % 134.45 (2.0 %) 81.32 (4.6 %)
Q2 2011 190.63 1.2 % 138.82 2.0 % 82.37 (0.4 %)
Q3 2011 188.57 1.9 % 134.89 2.2 % 88.26 8.5 %
Q4 2011 192.77 2.9 % 137.26 2.8 % 89.11 11.0 %
Q1 2012 196.17 2.8 % 139.90 4.1 % 92.78 14.1 %
Q2 2012 199.51 4.7 % 142.36 2.5 % 95.73 16.2 %
Q3 2012 201.51 6.9 % 143.22 6.2 % 98.06 11.1 %
Q4 2012 197.07 2.2 % 148.74 8.4 % 102.63 15.2 %
Q1 2013 198.54 1.2 % 151.69 8.4 % 104.30 12.4 %
Q2 2013 203.03 1.8 % 156.06 9.6 % 109.03 13.9 %
Q3 2013 203.07 0.8 % 155.16 8.3 % 111.25 13.4 %
Q4 2013 205.04 4.0 % 158.34 6.5 % 113.46 10.5 %
Q1 2014 208.77 5.1 % 158.77 4.7 % 115.61 10.8 %
Q2 2014 214.25 5.5 % 163.64 4.9 % 122.16 12.0 %
Q3 2014 216.37 6.5 % 163.51 5.4 % 120.18 8.0 %
Q4 2014 217.40 6.0 % 163.79 3.4 % 124.08 9.4 %

Ratios

Period Customer Deposits Per Total Assets Loans and advances/Total assets Loans and advances/Customers Deposits
Q1 2005 67.52 % 51.01 % 75.55 %
Q2 2005 78.31 % 55.20 % 70.48 %
Q3 2005 73.97 % 54.58 % 73.78 %
Q4 2005 78.70 % 57.60 % 73.19 %
Q1 2006 81.51 % 56.45 % 69.26 %
Q2 2006 76.96 % 58.87 % 76.49 %
Q3 2006 77.29 % 57.83 % 74.82 %
Q4 2006 76.49 % 54.05 % 70.66 %
Q1 2007 75.31 % 52.42 % 69.61 %
Q2 2007 76.13 % 56.18 % 73.80 %
Q3 2007 74.96 % 55.15 % 73.57 %
Q4 2007 75.00 % 52.17 % 69.56 %
Q1 2008 66.43 % 50.42 % 75.89 %
Q2 2008 66.28 % 52.47 % 79.17 %
Q3 2008 66.80 % 51.48 % 77.07 %
Q4 2008 75.03 % 54.86 % 73.12 %
Q1 2009 73.79 % 53.53 % 72.54 %
Q2 2009 78.04 % 49.67 % 63.65 %
Q3 2009 76.98 % 46.55 % 60.46 %
Q4 2009 79.31 % 45.36 % 57.19 %
Q1 2010 73.83 % 45.83 % 62.08 %
Q2 2010 72.24 % 43.91 % 60.79 %
Q3 2010 71.31 % 43.95 % 61.64 %
Q4 2010 71.21 % 42.82 % 60.13 %
Q1 2011 70.43 % 42.60 % 60.48 %
Q2 2011 72.82 % 43.21 % 59.33 %
Q3 2011 71.54 % 46.81 % 65.43 %
Q4 2011 71.20 % 46.23 % 64.92 %
Q1 2012 71.32 % 47.30 % 66.32 %
Q2 2012 71.35 % 47.98 % 67.25 %
Q3 2012 71.07 % 48.66 % 68.47 %
Q4 2012 75.47 % 52.08 % 69.00 %
Q1 2013 76.40 % 52.53 % 68.76 %
Q2 2013 76.87 % 53.70 % 69.86 %
Q3 2013 76.41 % 54.79 % 71.70 %
Q4 2013 77.22 % 55.33 % 71.65 %
Q1 2014 76.05 % 55.38 % 72.82 %
Q2 2014 76.38 % 57.02 % 74.65 %
Q3 2014 75.57 % 55.54 % 73.50 %
Q4 2014 75.34 % 57.07 % 75.75 %


Per Share Data (Riyal)

Compared With The
Period Shares Outstanding (M) EPS (Riyal) Adjusted EPS (Riyal) Book Value (BV)
Q1 2005 2,000.00 1.37 1.37 4.85
Q2 2005 2,000.00 1.55 1.55 5.42
Q3 2005 2,000.00 1.80 1.80 5.97
Q4 2005 2,000.00 2.01 2.01 6.45
Q1 2006 2,000.00 2.32 2.32 6.21
Q2 2006 2,000.00 2.52 2.52 6.84
Q3 2006 2,000.00 2.64 2.64 7.23
Q4 2006 2,000.00 2.61 2.61 7.65
Q1 2007 2,000.00 2.53 2.53 7.77
Q2 2007 2,000.00 2.47 2.47 7.77
Q3 2007 2,000.00 2.41 2.41 8.40
Q4 2007 2,000.00 2.41 2.41 8.92
Q1 2008 2,000.00 2.38 2.38 9.04
Q2 2008 2,000.00 2.34 2.34 8.97
Q3 2008 2,000.00 2.29 2.29 9.28
Q4 2008 2,000.00 2.23 2.23 9.92
Q1 2009 2,000.00 2.26 2.26 9.65
Q2 2009 2,000.00 2.27 2.27 9.84
Q3 2009 2,000.00 2.28 2.28 10.86
Q4 2009 2,000.00 2.28 2.28 11.16
Q1 2010 2,000.00 2.25 2.25 11.58
Q2 2010 2,000.00 2.24 2.24 12.29
Q3 2010 2,000.00 2.18 2.18 12.73
Q4 2010 2,000.00 2.22 2.22 12.71
Q1 2011 2,000.00 2.17 2.17 13.01
Q2 2011 2,000.00 2.11 2.11 13.29
Q3 2011 2,000.00 2.13 2.13 13.60
Q4 2011 2,000.00 2.15 2.15 14.06
Q1 2012 2,000.00 2.16 2.16 14.61
Q2 2012 2,000.00 2.19 2.19 14.58
Q3 2012 2,000.00 2.20 2.20 15.30
Q4 2012 2,000.00 2.17 2.17 15.82
Q1 2013 2,000.00 2.17 2.17 15.93
Q2 2013 2,000.00 2.18 2.18 16.55
Q3 2013 2,000.00 2.19 2.19 16.75
Q4 2013 2,000.00 2.26 2.26 17.40
Q1 2014 2,000.00 2.30 2.30 17.70
Q2 2014 2,000.00 2.34 2.34 17.93
Q3 2014 2,000.00 2.39 2.39 18.93
Q4 2014 2,000.00 2.50 2.50 19.39

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Adjusted P/E Price/book
Q1 2005 30.59 30.59 8.64
Q2 2005 35.17 35.17 10.07
Q3 2005 29.94 29.94 9.03
Q4 2005 29.12 29.12 9.07
Q1 2006 26.44 26.44 9.86
Q2 2006 20.84 20.84 7.68
Q3 2006 16.42 16.42 6.01
Q4 2006 16.09 16.09 5.48
Q1 2007 18.41 18.41 5.98
Q2 2007 15.40 15.40 4.91
Q3 2007 15.84 15.84 4.54
Q4 2007 22.37 22.37 6.05
Q1 2008 14.28 14.28 3.76
Q2 2008 14.89 14.89 3.89
Q3 2008 13.70 13.70 3.38
Q4 2008 10.36 10.36 2.32
Q1 2009 8.43 8.43 1.98
Q2 2009 8.28 8.28 1.91
Q3 2009 11.77 11.77 2.47
Q4 2009 9.97 9.97 2.04
Q1 2010 11.80 11.80 2.29
Q2 2010 11.46 11.46 2.09
Q3 2010 13.03 13.03 2.24
Q4 2010 12.43 12.43 2.17
Q1 2011 11.75 11.75 1.96
Q2 2011 10.64 10.64 1.69
Q3 2011 9.25 9.25 1.45
Q4 2011 9.75 9.75 1.49
Q1 2012 11.81 11.81 1.75
Q2 2012 9.27 9.27 1.39
Q3 2012 9.05 9.05 1.30
Q4 2012 9.29 9.29 1.27
Q1 2013 9.22 9.22 1.26
Q2 2013 10.32 10.32 1.36
Q3 2013 10.75 10.75 1.40
Q4 2013 9.98 9.98 1.29
Q1 2014 11.21 11.21 1.45
Q2 2014 10.17 10.17 1.33
Q3 2014 12.06 12.06 1.52
Q4 2014 9.25 9.25 1.19

Business Segments (Million)

Compared With The
Period Retail Corporate and Institutional Banking Global markets and Treasury finance and islamic investment Others..
Q1 2005 691.72 368.57 149.75 - -
Q2 2005 892.40 423.63 119.98 - -
Q3 2005 1,030.28 426.95 113.59 - -
Q4 2005 1,131.27 473.17 6.25 - -
Q1 2006 1,216.26 526.33 179.54 - -
Q2 2006 1,191.57 550.98 163.71 - -
Q3 2006 1,163.47 573.69 113.76 - -
Q4 2006 976.20 505.16 112.06 - -
Q1 2007 1,002.35 571.91 262.85 - -
Q2 2007 1,000.91 611.60 275.70 - -
Q3 2007 993.30 636.16 165.00 - -
Q4 2007 59.66 594.52 (62.77) 1,084.86 -
Q1 2008 943.59 810.25 36.12 - -
Q2 2008 640.41 533.35 184.77 519.39 -
Q3 2008 776.81 605.92 112.21 242.43 -
Q4 2008 806.51 487.66 186.01 126.48 -
Q1 2009 724.87 673.94 488.82 100.09 -
Q2 2009 702.41 691.48 285.67 140.14 -
Q3 2009 714.41 719.02 217.86 104.08 -
Q4 2009 676.90 614.25 157.26 98.46 -
Q1 2010 699.10 686.76 353.14 101.91 -
Q2 2010 693.42 650.32 317.30 110.74 -
Q3 2010 650.57 634.04 324.11 120.46 -
Q4 2010 650.62 575.74 227.89 104.38 -
Q1 2011 668.51 629.57 248.03 154.85 -
Q2 2011 674.34 660.62 170.14 129.43 -
Q3 2011 669.84 629.66 307.02 106.69 -
Q4 2011 640.64 576.60 172.49 123.95 -
Q1 2012 597.25 622.34 318.53 258.03 -
Q2 2012 581.73 580.33 339.55 243.04 -
Q3 2012 618.43 616.77 298.52 161.21 -
Q4 2012 565.30 544.43 225.34 123.28 -
Q1 2013 582.76 644.81 465.72 203.68 -
Q2 2013 592.58 641.13 358.34 164.18 -
Q3 2013 579.59 635.31 386.37 144.15 -
Q4 2013 531.11 560.94 393.87 115.98 -
Q1 2014 503.62 590.31 573.83 205.36 -
Q2 2014 544.25 658.70 430.86 210.44 -
Q3 2014 550.89 672.80 445.89 180.58 -
Q4 2014 576.35 683.15 401.31 156.50 -

Analysts Estimates (Million)

Item Q4 2014 (e) Q4 2014 (a) Change‬
Average 1,097.10 1,231.70 12.27 %

Estimates vs Actual (Million)

Item Q4 2014 (e) Q4 2014 (a) Change
Alistithmar Capital 1,116.90 1,231.70 10.3 %
OSOOL AND BAKHEET 1,077.30 1,231.70 14.3 %


Financial Ratios
Current
Market Cap (M Riyal) 77,000.00
Shares Outstanding ((M)) 2,000.00
EPS ( Riyal) (TTM) -
Book Value (BV) ( Riyal) -
Par Value ( Riyal) 10.00
Adjusted P/E (Last12) -
P/E (TTM) -
Price/book -
Return on Average Assets (%) (TTM) -
Return on Average Equity (%) (TTM) -
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