NCB net profit rises 19% in FY19

29/01/2020 Argaam Exclusive

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The National Commercial Bank’s (NCB) net profit rose 18.84% year-on-year (YoY) to SAR 11.4 billion for fiscal year 2019.

 

The profit jump was driven by higher gross operating profit, and lower operating expenses.

 

The bank also cited an 8.9% increase in total operating income due to higher net special commission income.



Financials (M)

Item 2018 2019 Change‬
Net Special Commission Income 15,123.14 16,382.45 8.3 %
Operating Income 18,927.22 20,574.68 8.7 %
Total Provisions (1347.07) (1447.16) (7.4 %)
Net Income 9,593.95 11,401.44 18.8 %
Average Shares 4,019.65 4,019.65 -
EPS (Riyals) 2.39 2.84 18.8 %

The fourth quarter net profit climbed 25% YoY to SAR 3.4 billion. Total shareholders’ equity, after minority interest, reached SAR 68.9 billion.



Current Quarter Comparison (M)

Compared With The
Item Q4 2018 Q4 2019 Change‬
Net Special Commission Income 4,493.72 4,848.32 7.9 %
Operating Income 4,755.83 5,576.93 17.3 %
Debt Provisions (403.75) (287.23) 28.9 %
Net Income 2,705.58 3,389.61 25.3 %
Average Shares 4,019.65 4,019.65 -
EPS (Riyals) 0.67 0.84 25.3 %

Balance Sheet (B)

Item 2018 2019 Change‬
Assets 452.18 506.82 12.1 %
Customer Deposits 318.70 353.39 10.9 %
Loan 265.06 281.84 6.3 %


Financial results (Million)

Period Net Special Commission Income Change Operating Income Change Debt Provisions Change Net Income Change EPS(Riyal)
Q1 2010 2,143.79 3.8 % 3,099.05 (2.1 %) (552.03) 17.7 % 1,413.06 35.1 % 0.35
Q2 2010 1,990.25 3.7 % 3,011.06 6.9 % (612.95) (44.2 %) 1,226.70 2.9 % 0.31
Q3 2010 1,978.17 1.0 % 2,826.25 (3.6 %) (587.79) 23.6 % 828.38 (19.9 %) 0.21
Q4 2010 2,037.60 (3.1 %) 2,730.89 6.6 % (78.79) 87.0 % 1,255.70 63.3 % 0.31
Q1 2011 2,072.45 (3.3 %) 3,059.38 (1.3 %) (296.60) 46.3 % 1,502.98 6.4 % 0.37
Q2 2011 2,116.00 6.3 % 3,075.09 2.1 % (407.97) 33.4 % 1,424.32 16.1 % 0.35
Q3 2011 2,173.22 9.9 % 3,059.64 8.3 % (212.25) 63.9 % 1,545.87 86.6 % 0.38
Q4 2011 2,219.76 8.9 % 2,939.51 7.6 % (116.50) (47.9 %) 1,538.58 22.5 % 0.38
Q1 2012 2,303.73 11.2 % 3,703.85 21.1 % (395.58) (33.4 %) 1,953.74 30.0 % 0.49
Q2 2012 2,176.14 2.8 % 3,380.72 9.9 % (351.03) 14.0 % 1,608.14 12.9 % 0.40
Q3 2012 2,332.29 7.3 % 3,271.63 6.9 % (424.82) (100.2 %) 1,480.49 (4.2 %) 0.37
Q4 2012 2,147.42 (3.3 %) 3,152.71 7.3 % (264.59) (127.1 %) 1,410.44 (8.3 %) 0.35
Q1 2013 2,533.05 10.0 % 4,065.77 9.8 % (259.83) 34.3 % 2,331.96 19.4 % 0.58
Q2 2013 2,546.09 17.0 % 3,699.88 9.4 % (156.08) 55.5 % 1,992.11 23.9 % 0.50
Q3 2013 2,373.59 1.8 % 3,423.34 4.6 % (199.61) 53.0 % 1,733.21 17.1 % 0.43
Q4 2013 2,643.48 23.1 % 3,668.53 16.4 % (179.83) 32.0 % 1,794.93 27.3 % 0.45
Q1 2014 2,708.28 6.9 % 3,864.29 (5.0 %) (205.65) 20.9 % 2,535.31 8.7 % 0.63
Q2 2014 2,842.93 11.7 % 4,214.98 13.9 % 91.77 158.8 % 2,425.41 21.8 % 0.60
Q3 2014 2,790.58 17.6 % 4,114.35 20.2 % (400.86) (100.8 %) 1,869.11 7.8 % 0.46
Q4 2014 3,062.34 15.8 % 4,053.41 10.5 % (480.72) (167.3 %) 1,825.33 1.7 % 0.45
Q1 2015 3,033.56 12.0 % 4,447.54 15.1 % (218.33) (6.2 %) 2,605.57 2.8 % 0.65
Q2 2015 3,122.72 9.8 % 4,282.93 1.6 % (278.85) (403.9 %) 2,362.92 (2.6 %) 0.59
Q3 2015 3,255.60 16.7 % 4,312.86 4.8 % (713.13) (77.9 %) 1,994.14 6.7 % 0.50
Q4 2015 3,169.96 3.5 % 4,442.37 9.6 % (390.05) 18.9 % 2,126.56 16.5 % 0.53
Q1 2016 3,435.82 13.3 % 4,723.97 6.2 % (346.63) (58.8 %) 2,630.81 1.0 % 0.65
Q2 2016 3,348.18 7.2 % 4,660.25 8.8 % (381.30) (36.7 %) 2,437.54 3.2 % 0.61
Q3 2016 3,441.72 5.7 % 4,662.80 8.1 % (839.11) (17.7 %) 1,961.78 (1.6 %) 0.49
Q4 2016 3,323.86 4.9 % 4,600.36 3.6 % (363.93) 6.7 % 2,286.72 7.5 % 0.57
Q1 2017 3,359.46 (2.2 %) 4,859.82 2.9 % (421.98) (21.7 %) 2,702.56 2.7 % 0.67
Q2 2017 3,472.91 3.7 % 4,478.34 (3.9 %) (477.71) (25.3 %) 2,417.42 (0.8 %) 0.60
Q3 2017 3,453.44 0.3 % 4,491.53 (3.7 %) (707.21) 15.7 % 2,125.61 8.4 % 0.53
Q4 2017 3,375.17 1.5 % 4,515.54 (1.8 %) (285.96) 21.4 % 2,556.39 11.8 % 0.64
Q1 2018 3,418.57 1.8 % 4,779.24 (1.7 %) 2.34 100.6 % 2,592.19 (4.1 %) 0.64
Q2 2018 3,573.43 2.9 % 4,660.55 4.1 % (335.31) 29.8 % 2,166.35 (10.4 %) 0.54
Q3 2018 3,637.42 5.3 % 4,731.60 5.3 % (610.35) 13.7 % 2,120.36 (0.2 %) 0.53
Q4 2018 4,493.72 33.1 % 4,755.83 5.3 % (403.75) (41.2 %) 2,705.58 5.8 % 0.67
Q1 2019 3,754.08 9.8 % 4,950.81 3.6 % (145.33) (6323.9 %) 2,775.54 7.1 % 0.69
Q2 2019 3,907.43 9.3 % 5,050.41 8.4 % (324.74) 3.2 % 2,685.59 24.0 % 0.67
Q3 2019 3,872.62 6.5 % 4,996.53 5.6 % (662.64) (8.6 %) 2,550.70 20.3 % 0.63
Q4 2019 4,848.32 7.9 % 5,576.93 17.3 % (287.23) 28.9 % 3,389.61 25.3 % 0.84
2019 16,382.45 8.3 % 20,574.68 8.7 % (1,447.16) (7.4 %) 11,401.44 18.8 % 2.84

Profitability

Period Return On Average Assets Return on Average Equity Net Interest Income/Total Operating Income
Q1 2010 1.71 % 16.23 % 71.19 %
Q2 2010 1.71 % 15.85 % 70.62 %
Q3 2010 1.62 % 14.22 % 71.44 %
Q4 2010 1.75 % 15.60 % 69.85 %
Q1 2011 1.71 % 15.64 % 69.48 %
Q2 2011 1.74 % 16.46 % 70.17 %
Q3 2011 1.98 % 17.87 % 70.43 %
Q4 2011 2.06 % 18.37 % 70.72 %
Q1 2012 2.11 % 19.02 % 68.97 %
Q2 2012 2.10 % 19.84 % 67.82 %
Q3 2012 2.10 % 18.80 % 67.93 %
Q4 2012 2.00 % 17.96 % 66.32 %
Q1 2013 2.03 % 18.53 % 66.25 %
Q2 2013 2.11 % 19.21 % 67.36 %
Q3 2013 2.17 % 19.39 % 66.94 %
Q4 2013 2.17 % 19.97 % 67.95 %
Q1 2014 2.07 % 19.96 % 70.08 %
Q2 2014 2.13 % 20.09 % 69.66 %
Q3 2014 2.14 % 20.33 % 69.25 %
Q4 2014 2.13 % 20.09 % 70.19 %
Q1 2015 2.01 % 19.45 % 69.69 %
Q2 2015 1.93 % 18.71 % 71.07 %
Q3 2015 1.92 % 19.01 % 72.96 %
Q4 2015 2.06 % 19.41 % 71.96 %
Q1 2016 2.02 % 18.46 % 73.10 %
Q2 2016 2.01 % 18.39 % 72.82 %
Q3 2016 2.00 % 18.35 % 72.45 %
Q4 2016 2.09 % 18.36 % 72.66 %
Q1 2017 2.08 % 17.67 % 71.73 %
Q2 2017 2.07 % 17.88 % 73.10 %
Q3 2017 2.15 % 17.92 % 73.84 %
Q4 2017 2.21 % 17.97 % 74.47 %
Q1 2018 2.18 % 17.36 % 75.12 %
Q2 2018 2.08 % 17.18 % 74.92 %
Q3 2018 2.08 % 17.16 % 74.94 %
Q4 2018 2.14 % 16.85 % 79.90 %
Q1 2019 2.16 % 16.78 % 80.94 %
Q2 2019 2.21 % 17.70 % 81.04 %
Q3 2019 2.24 % 18.75 % 81.14 %
Q4 2019 2.38 % 19.13 % 79.62 %
2019 2.38 % 19.13 % 79.62 %

Balance Sheet (B)

Period Assets Change Customer Deposits Change Loan Change
Q1 2010 264.82 5.6 % 201.26 (1.4 %) 113.79 11.6 %
Q2 2010 263.27 2.5 % 204.81 (1.0 %) 116.96 10.5 %
Q3 2010 271.23 7.2 % 215.08 8.4 % 122.55 5.2 %
Q4 2010 282.37 9.7 % 229.16 13.1 % 125.60 12.0 %
Q1 2011 298.88 12.9 % 239.34 18.9 % 124.81 9.7 %
Q2 2011 313.78 19.2 % 250.66 22.4 % 130.18 11.3 %
Q3 2011 306.98 13.2 % 242.99 13.0 % 129.82 5.9 %
Q4 2011 301.20 6.7 % 239.46 4.5 % 135.29 7.7 %
Q1 2012 313.64 4.9 % 247.92 3.6 % 142.34 14.0 %
Q2 2012 320.42 2.1 % 250.27 (0.2 %) 150.27 15.4 %
Q3 2012 320.80 4.5 % 251.33 3.4 % 157.21 21.1 %
Q4 2012 345.26 14.6 % 273.53 14.2 % 163.46 20.8 %
Q1 2013 358.02 14.1 % 276.68 11.6 % 170.63 19.9 %
Q2 2013 362.80 13.2 % 288.05 15.1 % 178.21 18.6 %
Q3 2013 367.09 14.4 % 294.78 17.3 % 184.40 17.3 %
Q4 2013 377.29 9.3 % 300.60 9.9 % 187.69 14.8 %
Q1 2014 420.37 17.4 % 333.07 20.4 % 197.39 15.7 %
Q2 2014 435.53 20.0 % 345.60 20.0 % 206.19 15.7 %
Q3 2014 437.91 19.3 % 343.94 16.7 % 213.53 15.8 %
Q4 2014 434.88 15.3 % 333.10 10.8 % 220.72 17.6 %
Q1 2015 449.80 7.0 % 342.85 2.9 % 227.13 15.1 %
Q2 2015 461.41 5.9 % 360.98 4.5 % 234.28 13.6 %
Q3 2015 476.83 8.9 % 367.37 6.8 % 238.60 11.7 %
Q4 2015 448.64 3.2 % 323.87 (2.8 %) 252.94 14.6 %
Q1 2016 452.00 0.5 % 326.03 (4.9 %) 265.34 16.8 %
Q2 2016 452.61 (1.9 %) 314.71 (12.8 %) 264.77 13.0 %
Q3 2016 438.76 (8.0 %) 311.23 (15.3 %) 259.92 8.9 %
Q4 2016 442.66 (1.3 %) 315.62 (2.5 %) 253.59 0.3 %
Q1 2017 449.00 (0.7 %) 313.65 (3.8 %) 254.20 (4.2 %)
Q2 2017 450.49 (0.5 %) 314.69 0.0 % 256.90 (3.0 %)
Q3 2017 446.19 1.7 % 302.59 (2.8 %) 256.85 (1.2 %)
Q4 2017 444.79 0.5 % 308.94 (2.1 %) 249.23 (1.7 %)
Q1 2018 438.90 (2.2 %) 309.00 (1.5 %) 252.78 (0.6 %)
Q2 2018 455.73 1.2 % 317.65 0.9 % 266.04 3.6 %
Q3 2018 460.83 3.3 % 325.46 7.6 % 268.25 4.4 %
Q4 2018 452.18 1.7 % 318.70 3.2 % 265.06 6.4 %
Q1 2019 464.91 5.9 % 309.68 0.2 % 267.22 5.7 %
Q2 2019 476.59 4.6 % 327.44 3.1 % 274.83 3.3 %
Q3 2019 496.59 7.8 % 340.38 4.6 % 279.07 4.0 %
Q4 2019 506.82 12.1 % 353.39 10.9 % 281.84 6.3 %

Ratios

Period Customer Deposits Per Total Assets Loans and advances/Total assets Loans and advances/Customers Deposits
Q1 2010 76.00 % 42.97 % 56.54 %
Q2 2010 77.79 % 44.42 % 57.11 %
Q3 2010 79.30 % 45.18 % 56.98 %
Q4 2010 81.16 % 44.48 % 54.81 %
Q1 2011 80.08 % 41.76 % 52.15 %
Q2 2011 79.88 % 41.49 % 51.94 %
Q3 2011 79.16 % 42.29 % 53.43 %
Q4 2011 79.50 % 44.92 % 56.50 %
Q1 2012 79.05 % 45.38 % 57.41 %
Q2 2012 78.11 % 46.90 % 60.04 %
Q3 2012 78.34 % 49.01 % 62.55 %
Q4 2012 79.22 % 47.34 % 59.76 %
Q1 2013 77.28 % 47.66 % 61.67 %
Q2 2013 79.40 % 49.12 % 61.87 %
Q3 2013 80.30 % 50.23 % 62.56 %
Q4 2013 79.67 % 49.75 % 62.44 %
Q1 2014 79.23 % 46.96 % 59.26 %
Q2 2014 79.35 % 47.34 % 59.66 %
Q3 2014 78.54 % 48.76 % 62.08 %
Q4 2014 76.60 % 50.75 % 66.26 %
Q1 2015 76.22 % 50.49 % 66.25 %
Q2 2015 78.23 % 50.78 % 64.90 %
Q3 2015 77.04 % 50.04 % 64.95 %
Q4 2015 72.19 % 56.38 % 78.10 %
Q1 2016 72.13 % 58.70 % 81.39 %
Q2 2016 69.53 % 58.50 % 84.13 %
Q3 2016 70.93 % 59.24 % 83.51 %
Q4 2016 71.30 % 57.29 % 80.35 %
Q1 2017 69.86 % 56.62 % 81.05 %
Q2 2017 69.86 % 57.03 % 81.64 %
Q3 2017 67.82 % 57.57 % 84.88 %
Q4 2017 69.46 % 56.03 % 80.67 %
Q1 2018 70.40 % 57.59 % 81.80 %
Q2 2018 69.70 % 58.38 % 83.75 %
Q3 2018 70.63 % 58.21 % 82.42 %
Q4 2018 70.48 % 58.62 % 83.17 %
Q1 2019 66.61 % 57.48 % 86.29 %
Q2 2019 68.70 % 57.67 % 83.93 %
Q3 2019 68.54 % 56.20 % 81.99 %
Q4 2019 69.73 % 55.61 % 79.75 %


Per Share Data (Riyal)

Compared With The
Period Shares Outstanding (M) EPS (Riyal) Adjusted EPS (Riyal) EPS Diluted (Riyal) Book Value (BV)
Q1 2010 4,019.65 1.10 1.10 - 7.17
Q2 2010 4,019.65 1.11 1.11 - 7.24
Q3 2010 4,019.65 1.05 1.05 - 7.68
Q4 2010 4,019.65 1.18 1.18 - 7.78
Q1 2011 4,019.65 1.20 1.20 - 8.14
Q2 2011 4,019.65 1.25 1.25 - 7.91
Q3 2011 4,019.65 1.43 1.43 - 8.27
Q4 2011 4,019.65 1.50 1.50 - 8.50
Q1 2012 4,019.65 1.61 1.61 - 8.76
Q2 2012 4,019.65 1.65 1.65 - 8.76
Q3 2012 4,019.65 1.64 1.64 - 9.15
Q4 2012 4,019.65 1.61 1.61 - 9.38
Q1 2013 4,019.65 1.70 1.70 - 9.58
Q2 2013 4,019.65 1.79 1.79 - 9.93
Q3 2013 4,019.65 1.86 1.86 - 10.01
Q4 2013 4,019.65 1.95 1.95 - 10.18
Q1 2014 4,019.65 2.00 2.00 - 10.51
Q2 2014 4,019.65 2.11 2.11 - 11.10
Q3 2014 4,019.65 2.15 2.15 - 11.10
Q4 2014 4,019.65 2.15 2.15 - 11.25
Q1 2015 4,019.65 2.17 2.17 - 11.81
Q2 2015 4,019.65 2.16 2.16 - 11.95
Q3 2015 4,019.65 2.19 2.19 - 11.91
Q4 2015 4,019.65 2.26 2.26 - 12.06
Q1 2016 4,019.65 2.27 2.27 - 12.75
Q2 2016 4,019.65 2.29 2.29 - 12.91
Q3 2016 4,019.65 2.28 2.28 - 12.92
Q4 2016 4,019.65 2.32 2.32 - 13.19
Q1 2017 4,019.65 2.34 2.34 - 13.68
Q2 2017 4,019.65 2.33 2.33 - 13.15
Q3 2017 4,019.65 2.37 2.37 - 13.54
Q4 2017 4,019.65 2.44 2.44 - 13.94
Q1 2018 4,019.65 2.41 2.41 - 14.10
Q2 2018 4,019.65 2.35 2.35 - 14.18
Q3 2018 4,019.65 2.35 2.35 - 13.81
Q4 2018 4,019.65 2.38 2.38 - 14.36
Q1 2019 4,019.65 2.43 2.43 - 14.87
Q2 2019 4,019.65 2.56 2.56 - 14.74
Q3 2019 4,019.65 2.67 2.67 - 14.63
Q4 2019 4,019.65 2.84 2.84 - 15.29

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Adjusted P/E Price/book
Q1 2010 - - -
Q2 2010 - - -
Q3 2010 - - -
Q4 2010 - - -
Q1 2011 - - -
Q2 2011 - - -
Q3 2011 - - -
Q4 2011 - - -
Q1 2012 - - -
Q2 2012 - - -
Q3 2012 - - -
Q4 2012 - - -
Q1 2013 - - -
Q2 2013 - - -
Q3 2013 - - -
Q4 2013 - - -
Q1 2014 - - -
Q2 2014 - - -
Q3 2014 - - -
Q4 2014 18.97 18.97 3.63
Q1 2015 20.89 20.89 3.84
Q2 2015 21.52 21.52 3.88
Q3 2015 18.33 18.33 3.37
Q4 2015 16.78 16.78 3.15
Q1 2016 13.33 13.33 2.37
Q2 2016 12.99 12.99 2.30
Q3 2016 10.75 10.75 1.90
Q4 2016 13.65 13.65 2.40
Q1 2017 12.54 12.54 2.14
Q2 2017 16.92 16.92 3.00
Q3 2017 16.10 16.10 2.82
Q4 2017 16.77 16.77 2.93
Q1 2018 20.07 20.07 3.43
Q2 2018 23.05 23.05 3.82
Q3 2018 21.38 21.38 3.63
Q4 2018 22.36 22.36 3.71
Q1 2019 25.21 25.21 4.12
Q2 2019 24.20 24.20 4.20
Q3 2019 19.24 19.24 3.51
Q4 2019 19.34 19.34 3.59

Business Segments (Million)

Compared With The
Period Retail Corporate and Institutional Banking Global markets and Treasury Capital Market International Banking
Q1 2010 1,429.43 550.42 556.18 112.37 450.65
Q2 2010 1,354.72 516.49 551.14 150.77 437.95
Q3 2010 1,250.06 580.16 463.35 153.97 378.72
Q4 2010 1,181.16 524.00 453.94 127.34 444.44
Q1 2011 1,224.26 512.03 746.66 146.97 429.46
Q2 2011 1,211.32 507.83 740.55 147.43 467.96
Q3 2011 1,158.03 458.35 840.83 148.33 454.10
Q4 2011 1,162.53 531.82 673.83 78.14 493.19
Q1 2012 1,370.73 589.23 926.63 244.35 572.91
Q2 2012 1,324.88 486.68 839.73 201.57 527.86
Q3 2012 1,198.40 749.16 722.69 167.08 434.30
Q4 2012 1,197.65 490.57 743.17 155.74 565.60
Q1 2013 1,418.17 775.64 1,145.26 160.86 565.85
Q2 2013 1,276.19 933.13 771.59 167.65 551.32
Q3 2013 1,220.48 805.71 736.59 143.22 517.35
Q4 2013 1,387.79 920.72 723.88 132.59 503.54
Q1 2014 1,394.07 901.15 892.75 174.43 501.88
Q2 2014 1,444.40 926.59 1,097.32 219.17 527.50
Q3 2014 1,455.20 868.24 1,023.74 171.82 595.35
Q4 2014 1,427.35 1,032.33 776.42 188.93 628.39
Q1 2015 1,448.95 1,041.10 1,224.33 166.74 566.42
Q2 2015 1,522.94 1,034.67 1,013.61 183.19 528.51
Q3 2015 1,533.85 1,062.65 1,011.26 160.03 545.05
Q4 2015 1,854.84 1,002.57 857.08 181.42 546.46
Q1 2016 1,970.14 1,040.62 1,017.29 159.51 536.42
Q2 2016 1,985.35 1,054.82 882.82 147.36 589.90
Q3 2016 1,967.03 1,104.46 874.28 114.20 602.84
Q4 2016 1,782.46 1,186.84 970.39 159.65 501.03
Q1 2017 1,938.41 1,235.61 1,133.92 163.66 388.22
Q2 2017 1,924.73 1,042.93 973.23 144.16 393.30
Q3 2017 2,106.64 842.25 982.69 154.12 405.84
Q4 2017 2,171.24 973.67 806.38 173.87 390.38
Q1 2018 2,116.90 873.73 1,189.77 227.59 371.26
Q2 2018 1,976.75 1,075.78 989.64 176.26 442.12
Q3 2018 2,318.57 1,000.84 858.77 154.71 398.71
Q4 2018 2,260.08 1,111.00 908.44 161.60 314.71
Q1 2019 2,240.76 1,157.45 1,074.45 181.00 297.15
Q2 2019 2,385.91 965.58 1,128.53 216.64 353.75
Q3 2019 2,568.71 1,061.34 822.01 163.79 380.69
Q4 2019 2,512.36 1,526.65 883.24 225.36 429.32

Analysts Estimates (Million)

Item Q4 2019 (e) Q4 2019 (a) Change‬
Average 2,969.30 3,389.61 14.16 %

Estimates vs Actual (Million)

Item Q4 2019 (e) Q4 2019 (a) Change
OSOOL AND BAKHEET 3,389.60 3,389.61 0.0 %
Riyad Capital 2,549.00 3,389.61 33.0 %


Financial Ratios
Current
Market Cap (M Riyal) 214,200.00
Shares Outstanding ((M)) 6,000.00
EPS ( Riyal) (TTM) 3.34
EPS Diluted ( Riyal) (TTM) 3.24
Book Value (BV) ( Riyal) 27.47
Par Value ( Riyal) 10.00
Adjusted P/E (Last12) 10.70
P/E (TTM) 10.70
Price/book 1.30
Return on Average Assets (%) (TTM) 2.0
Return on Average Equity (%) (TTM) 12.6
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Share Price

The Saudi National Bank
35.70
(0.85) (2.33 %)

The Saudi National Bank (SNB)

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