Samba’s net profit slumps 16% in H1 2019

31/07/2019 Argaam Exclusive

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Samba Financial Group reported a net profit of SAR 2 billion for H1 2019, a decline of 16.25 percent year-on-year (YoY) due to higher operating expenses and increased credit impairment provisions.

Financials (M)

Item	6m 2018	6m 2019	Change‬
Net Special Commission Income	2,974.29	3,253.49	9.4 %
Operating Income	4,017.56	4,366.56	8.7 %
Total Provisions	(66.04)	(781.73)	(1,083.7 %)
Net Income	2,380.43	1,998.91	(16.0 %)
Average Shares	2,000.00	2,000.00	-
EPS (Riyals)	1.19	1.00	(16.0 %)

Net profit in Q2 2019 decreased 24.66 percent YoY to SAR 935 million on higher operating expenses and higher credit impairment provisions.

On a quarterly basis, net profit edged down 12.2 percent, driven by an increase of 14.6 percent in total operating expenses and lower operating income.

Current Quarter Comparison (M)

Compared With The

Item	Q2 2018	Q2 2019	Change‬
Net Special Commission Income	1,541.07	1,607.62	4.3 %
Operating Income	2,078.54	2,171.29	4.5 %
Debt Provisions	(53.85)	(460.81)	(755.8 %)
Net Income	1,236.63	934.18	(24.5 %)
Average Shares	2,000.00	2,000.00	-
EPS (Riyals)	0.62	0.47	(24.5 %)

Item	Q1 2019	Q2 2019	Change‬
Net Special Commission Income	1,645.88	1,607.62	(2.3 %)
Operating Income	2,195.28	2,171.29	(1.1 %)
Debt Provisions	(320.92)	(460.81)	(43.6 %)
Net Income	1,064.73	934.18	(12.3 %)
Average Shares	2,000.00	2,000.00	-
EPS (Riyals)	0.53	0.47	(12.3 %)

Balance Sheet (B)

Item	6m 2018	6m 2019	Change‬
Assets	231.70	235.55	1.7 %
Customer Deposits	168.60	168.31	(0.2 %)
Loan	116.63	115.06	(1.3 %)

Financial results (Million)

Period	Net Special Commission Income	Change	Operating Income	Change	Debt Provisions	Change	Net Income	Change	EPS(Riyal)
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
2010	4,536.46	(10.5 %)	6,900.50	(2.9 %)	(558.79)	7.6 %	4,435.12	(2.7 %)	2.22
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
2011	4,308.47	(5.0 %)	6,562.37	(4.9 %)	(301.41)	46.1 %	4,303.27	(3.0 %)	2.15
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
2012	4,273.37	(0.8 %)	6,694.08	2.0 %	(298.65)	0.9 %	4,330.18	0.6 %	2.17
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
2013	4,528.28	6.0 %	7,000.53	4.6 %	(353.36)	(18.3 %)	4,510.05	4.2 %	2.26
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
Q1 2015	1,127.91	4.1 %	1,972.95	5.3 %	(49.02)	30.2 %	1,277.95	3.1 %	0.64
Q2 2015	1,162.72	0.1 %	1,949.01	5.7 %	(27.08)	15.1 %	1,332.42	6.0 %	0.67
Q3 2015	1,183.54	0.7 %	1,990.00	7.6 %	(32.79)	(346.0 %)	1,370.41	7.4 %	0.69
Q4 2015	1,188.66	1.3 %	1,842.62	1.4 %	(33.27)	(4.6 %)	1,231.56	0.0 %	0.62
2015	4,662.84	1.5 %	7,754.58	5.0 %	(142.16)	(0.6 %)	5,212.34	4.1 %	2.61
Q1 2016	1,252.13	11.0 %	1,941.36	(1.6 %)	(44.71)	8.8 %	1,259.16	(1.5 %)	0.63
Q2 2016	1,338.84	15.1 %	1,987.50	2.0 %	(38.05)	(40.5 %)	1,313.03	(1.5 %)	0.66
Q3 2016	1,466.14	23.9 %	2,036.21	2.3 %	(62.41)	(90.3 %)	1,341.32	(2.1 %)	0.67
Q4 2016	1,325.18	11.5 %	1,795.38	(2.6 %)	(54.98)	(65.3 %)	1,089.41	(11.5 %)	0.54
2016	5,382.28	15.4 %	7,760.46	0.1 %	(200.15)	(40.8 %)	5,002.91	(4.0 %)	2.50
Q1 2017	1,358.55	8.5 %	1,979.19	1.9 %	(107.44)	(140.3 %)	1,230.59	(2.3 %)	0.62
Q2 2017	1,385.90	3.5 %	1,987.93	0.0 %	(60.32)	(58.5 %)	1,270.22	(3.3 %)	0.64
Q3 2017	1,446.91	(1.3 %)	2,021.44	(0.7 %)	(74.26)	(19.0 %)	1,307.34	(2.5 %)	0.65
Q4 2017	1,540.87	16.3 %	1,903.01	6.0 %	(45.15)	17.9 %	1,212.92	11.3 %	0.61
2017	5,732.23	6.5 %	7,891.57	1.7 %	(287.17)	(43.5 %)	5,021.07	0.4 %	2.51
Q1 2018	1,433.23	5.5 %	1,939.02	(2.0 %)	(12.19)	88.7 %	1,143.79	(7.1 %)	0.57
Q2 2018	1,541.07	11.2 %	2,078.54	4.6 %	(53.85)	10.7 %	1,236.63	(2.6 %)	0.62
Q3 2018	1,589.27	9.8 %	2,110.70	4.4 %	(68.66)	7.5 %	1,257.66	(3.8 %)	0.63
Q4 2018	1,588.33	3.1 %	2,028.26	6.6 %	(20.82)	53.9 %	(586.99)	(148.4 %)	(0.29)
2018	6,151.89	7.3 %	8,156.52	3.4 %	(155.52)	45.8 %	3,051.09	(39.2 %)	1.53
Q1 2019	1,645.88	14.8 %	2,195.28	13.2 %	(320.92)	(2,532.2 %)	1,064.73	(6.9 %)	0.53
Q2 2019	1,607.62	4.3 %	2,171.29	4.5 %	(460.81)	(755.8 %)	934.18	(24.5 %)	0.47

Period	Net Special Commission Income	Change	Operating Income	Change	Debt Provisions	Change	Net Income	Change	EPS(Riyal)
2009	5,069.51	0.2 %	7,109.64	1.4 %	(604.82)	(126.5 %)	4,560.18	2.4 %	2.28
2010	4,536.46	(10.5 %)	6,900.50	(2.9 %)	(558.79)	7.6 %	4,435.12	(2.7 %)	2.22
2011	4,308.47	(5.0 %)	6,562.37	(4.9 %)	(301.41)	46.1 %	4,303.27	(3.0 %)	2.15
2012	4,273.37	(0.8 %)	6,694.08	2.0 %	(298.65)	0.9 %	4,330.18	0.6 %	2.17
2013	4,528.28	6.0 %	7,000.53	4.6 %	(353.36)	(18.3 %)	4,510.05	4.2 %	2.26
2014	4,593.36	1.4 %	7,384.84	5.5 %	(141.33)	60.0 %	5,005.08	11.0 %	2.50
2015	4,662.84	1.5 %	7,754.58	5.0 %	(142.16)	(0.6 %)	5,212.34	4.1 %	2.61
2016	5,382.28	15.4 %	7,760.46	0.1 %	(200.15)	(40.8 %)	5,002.91	(4.0 %)	2.50
2017	5,732.23	6.5 %	7,891.57	1.7 %	(287.17)	(43.5 %)	5,021.07	0.4 %	2.51
2018	6,151.89	7.3 %	8,156.52	3.4 %	(155.52)	45.8 %	3,051.09	(39.2 %)	1.53

Profitability

Period	Return On Average Assets	Return on Average Equity	Net Interest Income/Total Operating Income
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 %
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 %
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 %
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 %
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 %
Q1 2015	2.34 %	13.60 %	61.97 %
Q2 2015	2.33 %	13.53 %	61.13 %
Q3 2015	2.32 %	13.47 %	60.13 %
Q4 2015	2.30 %	13.19 %	60.13 %
2015	2.30 %	13.19 %	60.13 %
Q1 2016	2.27 %	13.02 %	61.98 %
Q2 2016	2.25 %	12.95 %	63.95 %
Q3 2016	2.18 %	12.79 %	67.19 %
Q4 2016	2.14 %	12.10 %	69.36 %
2016	2.14 %	12.10 %	69.36 %
Q1 2017	2.13 %	11.79 %	70.38 %
Q2 2017	2.12 %	11.75 %	70.98 %
Q3 2017	2.10 %	11.60 %	70.87 %
Q4 2017	2.19 %	11.54 %	72.64 %
2017	2.19 %	11.54 %	72.64 %
Q1 2018	2.14 %	11.37 %	73.96 %
Q2 2018	2.12 %	11.25 %	75.07 %
Q3 2018	2.12 %	11.23 %	76.01 %
Q4 2018	1.33 %	7.03 %	75.42 %
2018	1.33 %	7.03 %	75.42 %
Q1 2019	1.29 %	6.90 %	75.65 %
Q2 2019	1.14 %	6.08 %	75.61 %

Period	Return On Average Assets	Return on Average Equity	Net Interest Income/Total Operating Income
2009	2.50 %	21.63 %	71.30 %
2010	2.38 %	18.58 %	65.74 %
2011	2.26 %	16.07 %	65.65 %
2012	2.22 %	14.49 %	63.84 %
2013	2.24 %	13.58 %	64.68 %
2014	2.37 %	13.60 %	62.20 %
2015	2.30 %	13.19 %	60.13 %
2016	2.14 %	12.10 %	69.36 %
2017	2.19 %	11.54 %	72.64 %
2018	1.33 %	7.03 %	75.42 %

Balance Sheet (B)

Period	Assets	Change	Customer Deposits	Change	Loan	Change
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 %
Q1 2015	222.58	6.6 %	168.01	5.8 %	127.04	9.9 %
Q2 2015	225.93	5.4 %	170.88	4.4 %	130.88	7.1 %
Q3 2015	233.75	8.0 %	174.92	7.0 %	127.36	6.0 %
Q4 2015	235.24	8.2 %	171.80	4.9 %	130.00	4.8 %
Q1 2016	235.25	5.7 %	178.33	6.1 %	132.36	4.2 %
Q2 2016	233.99	3.6 %	172.12	0.7 %	130.82	0.0 %
Q3 2016	238.31	2.0 %	173.96	(0.5 %)	129.80	1.9 %
Q4 2016	231.49	(1.6 %)	172.08	0.2 %	125.23	(3.7 %)
Q1 2017	231.83	(1.5 %)	170.30	(4.5 %)	124.27	(6.1 %)
Q2 2017	231.02	(1.3 %)	171.21	(0.5 %)	120.52	(7.9 %)
Q3 2017	228.84	(4.0 %)	166.70	(4.2 %)	120.68	(7.0 %)
Q4 2017	227.55	(1.7 %)	167.92	(2.4 %)	117.68	(6.0 %)
Q1 2018	228.91	(1.3 %)	172.33	1.2 %	116.04	(6.6 %)
Q2 2018	231.70	0.3 %	168.60	(1.5 %)	116.63	(3.2 %)
Q3 2018	228.28	(0.2 %)	169.62	1.8 %	114.70	(5.0 %)
Q4 2018	229.94	1.1 %	170.17	1.3 %	113.71	(3.4 %)
Q1 2019	231.11	1.0 %	170.17	(1.3 %)	115.05	(0.8 %)
Q2 2019	235.55	1.7 %	168.31	(0.2 %)	115.06	(1.3 %)

Period	Assets	Change	Customer Deposits	Change	Loan	Change
3m 2010	185.88	10.4 %	137.25	10.5 %	85.20	(5.4 %)
6m 2010	188.36	6.4 %	136.07	(1.5 %)	82.72	(5.9 %)
9m 2010	185.01	0.5 %	131.93	(6.9 %)	81.32	(5.1 %)
12m 2010	187.42	1.0 %	133.46	(9.3 %)	80.25	(4.6 %)
3m 2011	190.90	2.7 %	134.45	(2.0 %)	81.32	(4.6 %)
6m 2011	190.63	1.2 %	138.82	2.0 %	82.37	(0.4 %)
9m 2011	188.57	1.9 %	134.89	2.2 %	88.26	8.5 %
12m 2011	192.77	2.9 %	137.26	2.8 %	89.11	11.0 %
3m 2012	196.17	2.8 %	139.90	4.1 %	92.78	14.1 %
6m 2012	199.51	4.7 %	142.36	2.5 %	95.73	16.2 %
9m 2012	201.51	6.9 %	143.22	6.2 %	98.06	11.1 %
12m 2012	197.07	2.2 %	148.74	8.4 %	102.63	15.2 %
3m 2013	198.54	1.2 %	151.69	8.4 %	104.30	12.4 %
6m 2013	203.03	1.8 %	156.06	9.6 %	109.03	13.9 %
9m 2013	203.07	0.8 %	155.16	8.3 %	111.25	13.4 %
12m 2013	205.04	4.0 %	158.34	6.5 %	113.46	10.5 %
3m 2014	208.77	5.1 %	158.77	4.7 %	115.61	10.8 %
6m 2014	214.25	5.5 %	163.64	4.9 %	122.16	12.0 %
9m 2014	216.37	6.5 %	163.51	5.4 %	120.18	8.0 %
12m 2014	217.40	6.0 %	163.79	3.4 %	124.08	9.4 %
3m 2015	222.58	6.6 %	168.01	5.8 %	127.04	9.9 %
6m 2015	225.93	5.4 %	170.88	4.4 %	130.88	7.1 %
9m 2015	233.75	8.0 %	174.92	7.0 %	127.36	6.0 %
12m 2015	235.24	8.2 %	171.80	4.9 %	130.00	4.8 %
3m 2016	235.25	5.7 %	178.33	6.1 %	132.36	4.2 %
6m 2016	233.99	3.6 %	172.12	0.7 %	130.82	0.0 %
9m 2016	238.31	2.0 %	173.96	(0.5 %)	129.80	1.9 %
12m 2016	231.49	(1.6 %)	172.08	0.2 %	125.23	(3.7 %)
3m 2017	231.83	(1.5 %)	170.30	(4.5 %)	124.27	(6.1 %)
6m 2017	231.02	(1.3 %)	171.21	(0.5 %)	120.52	(7.9 %)
9m 2017	228.84	(4.0 %)	166.70	(4.2 %)	120.68	(7.0 %)
12m 2017	227.55	(1.7 %)	167.92	(2.4 %)	117.68	(6.0 %)
3m 2018	228.91	(1.3 %)	172.33	1.2 %	116.04	(6.6 %)
6m 2018	231.70	0.3 %	168.60	(1.5 %)	116.63	(3.2 %)
9m 2018	228.28	(0.2 %)	169.62	1.8 %	114.70	(5.0 %)
12m 2018	229.94	1.1 %	170.17	1.3 %	113.71	(3.4 %)
3m 2019	231.11	1.0 %	170.17	(1.3 %)	115.05	(0.8 %)
6m 2019	235.55	1.7 %	168.31	(0.2 %)	115.06	(1.3 %)

Period	Assets	Change	Customer Deposits	Change	Loan	Change
2009	185.52	3.7 %	147.13	9.6 %	84.15	(14.3 %)
2010	187.42	1.0 %	133.46	(9.3 %)	80.25	(4.6 %)
2011	192.77	2.9 %	137.26	2.8 %	89.11	11.0 %
2012	197.07	2.2 %	148.74	8.4 %	102.63	15.2 %
2013	205.04	4.0 %	158.34	6.5 %	113.46	10.5 %
2014	217.40	6.0 %	163.79	3.4 %	124.08	9.4 %
2015	235.24	8.2 %	171.80	4.9 %	130.00	4.8 %
2016	231.49	(1.6 %)	172.08	0.2 %	125.23	(3.7 %)
2017	227.55	(1.7 %)	167.92	(2.4 %)	117.68	(6.0 %)
2018	229.94	1.1 %	170.17	1.3 %	113.71	(3.4 %)

Ratios

Period	Customer Deposits Per Total Assets	Loans and advances/Total assets	Loans and advances/Customers Deposits
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 %
Q1 2015	75.48 %	57.07 %	75.61 %
Q2 2015	75.63 %	57.93 %	76.59 %
Q3 2015	74.83 %	54.48 %	72.81 %
Q4 2015	73.03 %	55.26 %	75.67 %
Q1 2016	75.80 %	56.26 %	74.22 %
Q2 2016	73.56 %	55.91 %	76.00 %
Q3 2016	73.00 %	54.47 %	74.61 %
Q4 2016	74.33 %	54.10 %	72.78 %
Q1 2017	73.46 %	53.60 %	72.97 %
Q2 2017	74.11 %	52.17 %	70.39 %
Q3 2017	72.85 %	52.74 %	72.39 %
Q4 2017	73.80 %	51.72 %	70.08 %
Q1 2018	75.28 %	50.69 %	67.34 %
Q2 2018	72.77 %	50.34 %	69.18 %
Q3 2018	74.31 %	50.25 %	67.62 %
Q4 2018	74.01 %	49.45 %	66.82 %
Q1 2019	73.63 %	49.78 %	67.61 %
Q2 2019	71.45 %	48.85 %	68.37 %

Period	Customer Deposits Per Total Assets	Loans and advances/Total assets	Loans and advances/Customers Deposits
2009	79.31 %	45.36 %	57.19 %
2010	71.21 %	42.82 %	60.13 %
2011	71.20 %	46.23 %	64.92 %
2012	75.47 %	52.08 %	69.00 %
2013	77.22 %	55.33 %	71.65 %
2014	75.34 %	57.07 %	75.75 %
2015	73.03 %	55.26 %	75.67 %
2016	74.33 %	54.10 %	72.78 %
2017	73.80 %	51.72 %	70.08 %
2018	74.01 %	49.45 %	66.82 %

Per Share Data (Riyal)

Compared With The

Period	Shares Outstanding (M)	EPS (Riyal)	Adjusted EPS (Riyal)	Book Value (BV)
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
Q1 2015	2,000.00	2.52	2.52	19.37
Q2 2015	2,000.00	2.56	2.56	19.90
Q3 2015	2,000.00	2.61	2.61	19.77
Q4 2015	2,000.00	2.61	2.61	20.13
Q1 2016	2,000.00	2.60	2.60	20.50
Q2 2016	2,000.00	2.59	2.59	20.07
Q3 2016	2,000.00	2.57	2.57	20.46
Q4 2016	2,000.00	2.50	2.50	21.22
Q1 2017	2,000.00	2.49	2.49	21.68
Q2 2017	2,000.00	2.47	2.47	21.89
Q3 2017	2,000.00	2.45	2.45	21.78
Q4 2017	2,000.00	2.51	2.51	22.29
Q1 2018	2,000.00	2.47	2.47	21.73
Q2 2018	2,000.00	2.45	2.45	21.68
Q3 2018	2,000.00	2.43	2.43	21.41
Q4 2018	2,000.00	1.53	2.43	21.11
Q1 2019	2,000.00	1.49	2.39	21.32
Q2 2019	2,000.00	1.33	2.24	22.24

Period	Shares Outstanding (M)	EPS (Riyal)	Adjusted EPS (Riyal)	Book Value (BV)
2009	2,000.00	2.28	2.28	11.16
2010	2,000.00	2.22	2.22	12.71
2011	2,000.00	2.15	2.15	14.06
2012	2,000.00	2.17	2.17	15.82
2013	2,000.00	2.26	2.26	17.40
2014	2,000.00	2.50	2.50	19.39
2015	2,000.00	2.61	2.61	20.13
2016	2,000.00	2.50	2.50	21.22
2017	2,000.00	2.51	2.51	22.29
2018	2,000.00	1.53	2.43	21.11

Multiple Ratios (End of Period Price)

Compared With The

Period	P/E	Adjusted P/E	Price/book
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
Q1 2015	10.18	10.18	1.32
Q2 2015	10.18	10.18	1.31
Q3 2015	8.92	8.92	1.18
Q4 2015	8.95	8.95	1.16
Q1 2016	7.85	7.85	0.99
Q2 2016	7.75	7.75	1.00
Q3 2016	6.85	6.85	0.86
Q4 2016	9.73	9.73	1.15
Q1 2017	8.63	8.63	0.99
Q2 2017	10.50	10.50	1.18
Q3 2017	9.80	9.80	1.10
Q4 2017	9.36	9.36	1.05
Q1 2018	10.84	10.84	1.23
Q2 2018	13.26	13.26	1.50
Q3 2018	13.07	13.07	1.48
Q4 2018	20.58	12.91	1.49
Q1 2019	26.18	16.26	1.82
Q2 2019	26.71	15.91	1.60

Period	P/E	Adjusted P/E	Price/book
2009	9.97	9.97	2.04
2010	12.43	12.43	2.17
2011	9.75	9.75	1.49
2012	9.29	9.29	1.27
2013	9.98	9.98	1.29
2014	9.25	9.25	1.19
2015	8.95	8.95	1.16
2016	9.73	9.73	1.15
2017	9.36	9.36	1.05
2018	20.58	12.91	1.49

Business Segments (Million)

Compared With The

Period	Retail	Corporate and Institutional Banking	Global markets and Treasury	finance and islamic investment	Others..
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	-
Q1 2015	490.54	639.48	601.79	241.14	-
Q2 2015	522.69	772.66	490.87	162.79	-
Q3 2015	681.54	786.54	358.06	163.85	-
Q4 2015	564.98	812.19	352.64	112.80	-
Q1 2016	615.69	684.07	452.97	188.64	-
Q2 2016	643.00	714.74	440.14	189.63	-
Q3 2016	777.13	774.21	330.00	154.87	-
Q4 2016	753.59	602.98	383.08	55.74	-
Q1 2017	713.10	731.15	382.73	152.21	-
Q2 2017	686.64	783.60	429.59	88.10	-
Q3 2017	717.57	754.80	431.10	117.98	-
Q4 2017	655.43	728.71	423.70	95.18	-
Q1 2018	648.78	695.79	485.93	108.52	-
Q2 2018	758.34	778.46	393.81	147.95	-
Q3 2018	846.83	774.52	391.32	98.03	-
Q4 2018	878.24	779.25	269.13	101.64	-
Q1 2019	816.55	781.07	450.28	147.37	-
Q2 2019	821.77	779.65	446.50	123.37	-

Period	Retail	Corporate and Institutional Banking	Global markets and Treasury	finance and islamic investment	Others..
2009	2,818.59	2,698.67	1,149.61	442.78	-
2010	2,693.71	2,546.86	1,222.44	437.49	-
2011	2,653.32	2,496.45	897.69	514.92	-
2012	2,362.72	2,363.87	1,181.95	785.56	-
2013	2,286.04	2,482.18	1,604.31	628.00	-
2014	2,175.11	2,604.96	1,851.89	752.88	-
2015	2,259.75	3,010.88	1,803.36	680.59	-
2016	2,789.40	2,776.00	1,606.18	588.87	-
2017	2,772.73	2,998.26	1,667.11	453.46	-
2018	3,132.19	3,028.01	1,540.18	456.14	-

Analysts Estimates (Million)

Item	Q2 2019 (e)	Q2 2019 (a)	Change‬
Average	1,411.77	934.18	(33.8 %)

Estimates vs Actual (Million)

Item	Q2 2019 (e)	Q2 2019 (a)	Change
OSOOL AND BAKHEET	1,235.30	934.18	(24.4) %
SNB Capital	1,452.00	934.18	(35.7) %
Riyad Capital	1,548.00	934.18	(39.7) %

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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Samba’s net profit slumps 16% in H1 2019

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Samba’s net profit slumps 16% in H1 2019

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Share Price

Financials (M)

Current Quarter Comparison (M)

Balance Sheet (B)

Financial results (Million)

Financial results (Million)

Profitability

Profitability

Balance Sheet (B)

Balance Sheet Performance (B)

Ratios

Ratios

Per Share Data (Riyal)

Per Share Data (Riyal)

Multiple Ratios (End of Period Price)

Ratios And Multiples

Business Segments (Million) Q2 2019

Revenue by Business Segment (Latest) 2019 Q2

Analysts Estimates (Million)

Analysts Estimates (Million)

Estimates vs Actual (Million)

Estimates Accuracy

Financial Ratios

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Business Segments (Million)