Bank Aljazira reported a net profit of SAR 559 million in the first half of 2016, a 42 percent year-on-year (YoY) plunge attributed to lower operating income, along with a decrease in net special commission income, net trading income and net fees from banking services.
Sale of land owned by the bank resulted in a gain of SAR 573 million in H1-2015, against a gain of SAR 209 million booked on sale of land in the current period.
Item | 6m 2015 | 6m 2016 | Change |
---|---|---|---|
Net Special Commission Income | 799.64 | 754.61 | (5.6 %) |
Operating Income | 1,236.01 | 1,144.51 | (7.4 %) |
Total Provisions | (105.14) | (58.40) | 44.5 % |
Net Income | 962.75 | 558.83 | (42.0 %) |
Average Shares | 886.79 | 886.79 | - |
Earnings Per Share before unusual items (Riyals) | 0.44 | 0.39 | (10.2 %) |
EPS (Riyals) | 1.09 | 0.63 | (42.0 %) |
The bank’s net profit for the second quarter stood at SAR 178 million, which was down 76 percent YoY and 53 percent lower in comparison to Q1-2016.
Item | Q2 2015 | Q2 2016 | Change |
---|---|---|---|
Net Special Commission Income | 403.41 | 384.52 | (4.7 %) |
Operating Income | 611.63 | 579.86 | (5.2 %) |
Debt Provisions | (68.47) | (30.67) | 55.2 % |
Net Income | 735.75 | 177.52 | (75.9 %) |
Average Shares | 886.79 | 886.79 | - |
Earnings Per Share before unusual items (Riyals) | 0.18 | 0.20 | 8.8 % |
EPS (Riyals) | 0.83 | 0.20 | (75.9 %) |
Item | Q1 2016 | Q2 2016 | Change |
---|---|---|---|
Net Special Commission Income | 370.10 | 384.52 | 3.9 % |
Operating Income | 564.65 | 579.86 | 2.7 % |
Debt Provisions | (27.72) | (30.67) | (10.6 %) |
Net Income | 381.31 | 177.52 | (53.4 %) |
Average Shares | 886.79 | 886.79 | - |
Earnings Per Share before unusual items (Riyals) | 0.19 | 0.20 | 2.8 % |
EPS (Riyals) | 0.43 | 0.20 | (53.4 %) |
Item | 6m 2015 | 6m 2016 | Change |
---|---|---|---|
Assets | 67.63 | 68.27 | 0.9 % |
Customer Deposits | 55.96 | 50.73 | (9.3 %) |
Loan | 42.40 | 44.21 | 4.3 % |
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
Q1 2007 | 138.75 | 34.4 % | 415.17 | (49.2 %) | 21.35 | 204.9 % |
Q2 2007 | 155.74 | 47.8 % | 363.33 | (59.6 %) | 2.33 | 873.1 % |
Q3 2007 | 146.56 | 10.2 % | 321.85 | (38.7 %) | 1.27 | (94.3 %) |
Q4 2007 | 154.08 | 14.1 % | 346.45 | (7.2 %) | 0.96 | 105.5 % |
2007 | 595.12 | 24.9 % | 1,446.79 | (44.7 %) | 25.91 | 261.1 % |
Q1 2008 | 166.91 | 20.3 % | 341.75 | (17.7 %) | (1.72) | (108.1 %) |
Q2 2008 | 167.77 | 7.7 % | 331.32 | (8.8 %) | (23.48) | (1109.2 %) |
Q3 2008 | 154.35 | 5.3 % | 257.29 | (20.1 %) | 0.12 | (90.9 %) |
Q4 2008 | 142.38 | (7.6 %) | 206.19 | (40.5 %) | (36.07) | (3841.8 %) |
2008 | 631.42 | 6.1 % | 1,136.54 | (21.4 %) | (61.16) | (336.1 %) |
Q1 2009 | 172.59 | 3.4 % | 276.60 | (19.1 %) | 0.55 | 131.7 % |
Q2 2009 | 186.48 | 11.1 % | 349.41 | 5.5 % | (39.65) | (68.8 %) |
Q3 2009 | 161.91 | 4.9 % | 358.16 | 39.2 % | (115.68) | (99820.7 %) |
Q4 2009 | 146.80 | 3.1 % | 186.86 | (9.4 %) | (257.31) | (613.3 %) |
2009 | 667.78 | 5.8 % | 1,171.04 | 3.0 % | (412.09) | (573.8 %) |
Q1 2010 | 168.44 | (2.4 %) | 305.10 | 10.3 % | (110.00) | (20283.5 %) |
Q2 2010 | 187.78 | 0.7 % | 295.20 | (15.5 %) | (93.82) | (136.6 %) |
Q3 2010 | 175.35 | 8.3 % | 292.61 | (18.3 %) | (93.36) | 19.3 % |
Q4 2010 | 185.69 | 26.5 % | 262.16 | 40.3 % | (65.05) | 74.7 % |
2010 | 717.25 | 7.4 % | 1,155.07 | (1.4 %) | (362.23) | 12.1 % |
Q1 2011 | 183.23 | 8.8 % | 276.26 | (9.5 %) | 4.25 | 103.9 % |
Q2 2011 | 191.66 | 2.1 % | 308.29 | 4.4 % | (43.99) | 53.1 % |
Q3 2011 | 210.03 | 19.8 % | 293.71 | 0.4 % | (22.72) | 75.7 % |
Q4 2011 | 196.53 | 5.8 % | 329.83 | 25.8 % | (7.89) | 87.9 % |
2011 | 781.46 | 9.0 % | 1,208.10 | 4.6 % | (70.35) | 80.6 % |
Q1 2012 | 218.62 | 19.3 % | 425.74 | 54.1 % | (47.73) | (1223.5 %) |
Q2 2012 | 241.06 | 25.8 % | 408.51 | 32.5 % | (56.81) | (29.2 %) |
Q3 2012 | 244.65 | 16.5 % | 391.92 | 33.4 % | (35.66) | (56.9 %) |
Q4 2012 | 246.55 | 25.4 % | 371.41 | 12.6 % | (32.28) | (309.1 %) |
2012 | 950.88 | 21.7 % | 1,597.58 | 32.2 % | (172.48) | (145.2 %) |
Q1 2013 | 265.70 | 21.5 % | 442.62 | 4.0 % | (55.48) | (16.3 %) |
Q2 2013 | 301.98 | 25.3 % | 448.47 | 9.8 % | (31.05) | 45.3 % |
Q3 2013 | 323.13 | 32.1 % | 471.88 | 20.4 % | 2.93 | 108.2 % |
Q4 2013 | 332.14 | 34.7 % | 476.34 | 28.3 % | (52.74) | (63.4 %) |
2013 | 1,222.95 | 28.6 % | 1,839.31 | 15.1 % | (136.34) | 21.0 % |
Q1 2014 | 321.65 | 21.1 % | 510.06 | 15.2 % | (65.38) | (17.8 %) |
Q2 2014 | 356.29 | 18.0 % | 557.72 | 24.4 % | (91.18) | (193.6 %) |
Q3 2014 | 377.60 | 16.9 % | 582.83 | 23.5 % | (211.19) | (7312.6 %) |
Q4 2014 | 389.54 | 17.3 % | 545.87 | 14.6 % | (15.36) | 70.9 % |
2014 | 1,445.08 | 18.2 % | 2,196.47 | 19.4 % | (383.11) | (181.0 %) |
Q1 2015 | 396.23 | 23.2 % | 624.38 | 22.4 % | (36.68) | 43.9 % |
Q2 2015 | 403.41 | 13.2 % | 611.63 | 9.7 % | (68.47) | 24.9 % |
Q3 2015 | 410.50 | 8.7 % | 532.05 | (8.7 %) | 39.81 | 118.9 % |
Q4 2015 | 390.40 | 0.2 % | 580.82 | 6.4 % | 12.27 | 179.9 % |
2015 | 1,600.54 | 10.8 % | 2,348.87 | 6.9 % | (53.06) | 86.1 % |
Q1 2016 | 370.10 | (6.6 %) | 564.65 | (9.6 %) | (27.72) | 24.4 % |
Q2 2016 | 384.52 | (4.7 %) | 579.86 | (5.2 %) | (30.67) | 55.2 % |
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
2006 | 476.65 | 72.4 % | 2,615.40 | 98.3 % | (16.08) | 86.5 % |
2007 | 595.12 | 24.9 % | 1,446.79 | (44.7 %) | 25.91 | 261.1 % |
2008 | 631.42 | 6.1 % | 1,136.54 | (21.4 %) | (61.16) | (336.1 %) |
2009 | 667.78 | 5.8 % | 1,171.04 | 3.0 % | (412.09) | (573.8 %) |
2010 | 717.25 | 7.4 % | 1,155.07 | (1.4 %) | (362.23) | 12.1 % |
2011 | 781.46 | 9.0 % | 1,208.10 | 4.6 % | (70.35) | 80.6 % |
2012 | 950.88 | 21.7 % | 1,597.58 | 32.2 % | (172.48) | (145.2 %) |
2013 | 1,222.95 | 28.6 % | 1,839.31 | 15.1 % | (136.34) | 21.0 % |
2014 | 1,445.08 | 18.2 % | 2,196.47 | 19.4 % | (383.11) | (181.0 %) |
2015 | 1,600.54 | 10.8 % | 2,348.87 | 6.9 % | (53.06) | 86.1 % |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | Earnings Per Share before unusual items |
---|---|---|---|---|---|---|
Q1 2007 | 302.45 | (55.7 %) | 0.34 | - | 302.45 | 0.34 |
Q2 2007 | 207.28 | (68.8 %) | 0.23 | - | 207.28 | 0.23 |
Q3 2007 | 135.00 | (68.2 %) | 0.15 | - | 135.00 | 0.15 |
Q4 2007 | 160.46 | (20.6 %) | 0.18 | - | 160.46 | 0.18 |
2007 | 805.20 | (59.2 %) | 0.91 | - | 805.20 | 0.91 |
Q1 2008 | 153.35 | (49.3 %) | 0.17 | - | 153.35 | 0.17 |
Q2 2008 | 99.89 | (51.8 %) | 0.11 | - | 99.89 | 0.11 |
Q3 2008 | 60.87 | (54.9 %) | 0.07 | - | 60.87 | 0.07 |
Q4 2008 | (91.77) | (157.2 %) | (0.10) | - | (91.77) | (0.10) |
2008 | 222.34 | (72.4 %) | 0.25 | - | 222.34 | 0.25 |
Q1 2009 | 102.23 | (33.3 %) | 0.12 | - | 102.23 | 0.12 |
Q2 2009 | 121.23 | 21.4 % | 0.14 | - | 121.23 | 0.14 |
Q3 2009 | 69.79 | 14.6 % | 0.08 | - | 69.79 | 0.08 |
Q4 2009 | (265.72) | (189.5 %) | (0.30) | - | (265.72) | (0.30) |
2009 | 27.52 | (87.6 %) | 0.03 | - | 27.52 | 0.03 |
Q1 2010 | 12.61 | (87.7 %) | 0.01 | - | 12.61 | 0.01 |
Q2 2010 | 21.31 | (82.4 %) | 0.02 | - | 21.31 | 0.02 |
Q3 2010 | 22.13 | (68.3 %) | 0.02 | - | 22.13 | 0.02 |
Q4 2010 | (27.14) | 89.8 % | (0.03) | - | (27.14) | (0.03) |
2010 | 28.91 | 5.0 % | 0.03 | - | 28.91 | 0.03 |
Q1 2011 | 62.29 | 393.9 % | 0.07 | - | 62.29 | 0.07 |
Q2 2011 | 64.20 | 201.3 % | 0.07 | - | 64.20 | 0.07 |
Q3 2011 | 66.02 | 198.3 % | 0.07 | - | 66.02 | 0.07 |
Q4 2011 | 110.35 | 506.5 % | 0.12 | - | 110.35 | 0.12 |
2011 | 302.85 | 947.5 % | 0.34 | - | 302.85 | 0.34 |
Q1 2012 | 143.04 | 129.6 % | 0.16 | - | 143.04 | 0.16 |
Q2 2012 | 129.17 | 101.2 % | 0.15 | - | 129.17 | 0.15 |
Q3 2012 | 130.46 | 97.6 % | 0.15 | - | 130.46 | 0.15 |
Q4 2012 | 97.81 | (11.4 %) | 0.11 | - | 97.81 | 0.11 |
2012 | 500.48 | 65.3 % | 0.56 | - | 500.48 | 0.56 |
Q1 2013 | 144.24 | 0.8 % | 0.16 | - | 144.24 | 0.16 |
Q2 2013 | 167.39 | 29.6 % | 0.19 | - | 167.39 | 0.19 |
Q3 2013 | 188.68 | 44.6 % | 0.21 | - | 188.68 | 0.21 |
Q4 2013 | 150.32 | 53.7 % | 0.17 | - | 150.32 | 0.17 |
2013 | 650.63 | 30.0 % | 0.73 | - | 650.63 | 0.73 |
Q1 2014 | 159.33 | 10.5 % | 0.18 | 7.36 | 151.97 | 0.17 |
Q2 2014 | 166.71 | (0.4 %) | 0.19 | 11.44 | 155.28 | 0.18 |
Q3 2014 | 47.24 | (75.0 %) | 0.05 | - | 47.24 | 0.05 |
Q4 2014 | 199.19 | 32.5 % | 0.22 | 10.98 | 188.21 | 0.21 |
2014 | 572.47 | (12.0 %) | 0.65 | 29.77 | 542.70 | 0.61 |
Q1 2015 | 227.00 | 42.5 % | 0.26 | - | 227.00 | 0.26 |
Q2 2015 | 735.75 | 341.3 % | 0.83 | 572.65 | 163.10 | 0.18 |
Q3 2015 | 165.74 | 250.9 % | 0.19 | - | 165.74 | 0.19 |
Q4 2015 | 158.63 | (20.4 %) | 0.18 | - | 158.63 | 0.18 |
2015 | 1,287.12 | 124.8 % | 1.45 | 572.65 | 714.47 | 0.81 |
Q1 2016 | 381.31 | 68.0 % | 0.43 | 208.60 | 172.71 | 0.19 |
Q2 2016 | 177.52 | (75.9 %) | 0.20 | - | 177.52 | 0.20 |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | Earnings Per Share before unusual items |
---|---|---|---|---|---|---|
2006 | 1,973.95 | 125.8 % | 2.23 | (100.00) | 2,073.95 | 2.34 |
2007 | 805.20 | (59.2 %) | 0.91 | - | 805.20 | 0.91 |
2008 | 222.34 | (72.4 %) | 0.25 | - | 222.34 | 0.25 |
2009 | 27.52 | (87.6 %) | 0.03 | - | 27.52 | 0.03 |
2010 | 28.91 | 5.0 % | 0.03 | - | 28.91 | 0.03 |
2011 | 302.85 | 947.5 % | 0.34 | - | 302.85 | 0.34 |
2012 | 500.48 | 65.3 % | 0.56 | - | 500.48 | 0.56 |
2013 | 650.63 | 30.0 % | 0.73 | - | 650.63 | 0.73 |
2014 | 572.47 | (12.0 %) | 0.65 | 29.77 | 542.70 | 0.61 |
2015 | 1,287.12 | 124.8 % | 1.45 | 572.65 | 714.47 | 0.81 |
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
Q1 2007 | 10.44 % | 41.25 % | 23.14 % |
Q2 2007 | 7.43 % | 28.29 % | 33.55 % |
Q3 2007 | 5.34 % | 19.88 % | 39.10 % |
Q4 2007 | 4.32 % | 18.11 % | 41.13 % |
2007 | 4.32 % | 18.11 % | 41.13 % |
Q1 2008 | 3.28 % | 14.23 % | 45.38 % |
Q2 2008 | 2.74 % | 12.03 % | 47.36 % |
Q3 2008 | 2.39 % | 10.29 % | 50.37 % |
Q4 2008 | 0.91 % | 4.76 % | 55.56 % |
2008 | 0.91 % | 4.76 % | 55.56 % |
Q1 2009 | 0.69 % | 3.59 % | 59.46 % |
Q2 2009 | 0.72 % | 4.06 % | 60.19 % |
Q3 2009 | 0.77 % | 4.22 % | 55.73 % |
Q4 2009 | 0.10 % | 0.60 % | 57.02 % |
2009 | 0.10 % | 0.60 % | 57.02 % |
Q1 2010 | (0.23 %) | (1.35 %) | 55.32 % |
Q2 2010 | (0.56 %) | (3.52 %) | 58.06 % |
Q3 2010 | (0.71 %) | (4.50 %) | 62.83 % |
Q4 2010 | 0.09 % | 0.64 % | 62.10 % |
2010 | 0.09 % | 0.64 % | 62.10 % |
Q1 2011 | 0.25 % | 1.74 % | 65.00 % |
Q2 2011 | 0.37 % | 2.67 % | 64.59 % |
Q3 2011 | 0.49 % | 3.62 % | 67.57 % |
Q4 2011 | 0.84 % | 6.55 % | 64.69 % |
2011 | 0.84 % | 6.55 % | 64.69 % |
Q1 2012 | 0.97 % | 8.09 % | 60.17 % |
Q2 2012 | 1.07 % | 9.56 % | 59.42 % |
Q3 2012 | 1.20 % | 10.77 % | 57.90 % |
Q4 2012 | 1.12 % | 10.27 % | 59.52 % |
2012 | 1.12 % | 10.27 % | 59.52 % |
Q1 2013 | 1.03 % | 9.93 % | 61.81 % |
Q2 2013 | 1.04 % | 10.60 % | 64.00 % |
Q3 2013 | 1.16 % | 11.42 % | 65.58 % |
Q4 2013 | 1.17 % | 12.12 % | 66.49 % |
2013 | 1.17 % | 12.12 % | 66.49 % |
Q1 2014 | 1.16 % | 12.08 % | 67.07 % |
Q2 2014 | 1.09 % | 11.71 % | 66.13 % |
Q3 2014 | 0.86 % | 9.04 % | 65.24 % |
Q4 2014 | 0.90 % | 9.63 % | 65.79 % |
2014 | 0.90 % | 9.63 % | 65.79 % |
Q1 2015 | 0.98 % | 10.52 % | 65.76 % |
Q2 2015 | 1.81 % | 18.43 % | 66.26 % |
Q3 2015 | 1.98 % | 20.04 % | 69.13 % |
Q4 2015 | 1.98 % | 18.97 % | 68.14 % |
2015 | 1.98 % | 18.97 % | 68.14 % |
Q1 2016 | 2.14 % | 20.71 % | 68.78 % |
Q2 2016 | 1.30 % | 11.89 % | 68.91 % |
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
2006 | 13.21 % | 57.52 % | 18.22 % |
2007 | 4.32 % | 18.11 % | 41.13 % |
2008 | 0.91 % | 4.76 % | 55.56 % |
2009 | 0.10 % | 0.60 % | 57.02 % |
2010 | 0.09 % | 0.64 % | 62.10 % |
2011 | 0.84 % | 6.55 % | 64.69 % |
2012 | 1.12 % | 10.27 % | 59.52 % |
2013 | 1.17 % | 12.12 % | 66.49 % |
2014 | 0.90 % | 9.63 % | 65.79 % |
2015 | 1.98 % | 18.97 % | 68.14 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
Q1 2007 | 17.12 | 27.9 % | 12.04 | 31.5 % | 6.85 | 7.9 % |
Q2 2007 | 15.72 | 5.8 % | 10.59 | 0.0 % | 7.20 | 24.3 % |
Q3 2007 | 16.35 | 6.5 % | 11.21 | 3.6 % | 8.26 | 48.3 % |
Q4 2007 | 21.56 | 37.2 % | 15.65 | 43.3 % | 9.88 | 57.5 % |
Q1 2008 | 22.90 | 33.8 % | 15.93 | 32.3 % | 11.91 | 74.0 % |
Q2 2008 | 24.28 | 54.5 % | 17.29 | 63.2 % | 14.00 | 94.5 % |
Q3 2008 | 23.40 | 43.2 % | 16.86 | 50.3 % | 14.09 | 70.6 % |
Q4 2008 | 27.52 | 27.6 % | 20.90 | 33.6 % | 15.13 | 53.2 % |
Q1 2009 | 27.07 | 18.2 % | 21.37 | 34.2 % | 15.31 | 28.5 % |
Q2 2009 | 28.94 | 19.2 % | 22.15 | 28.1 % | 15.82 | 13.0 % |
Q3 2009 | 29.16 | 24.6 % | 22.19 | 31.6 % | 15.60 | 10.7 % |
Q4 2009 | 29.98 | 8.9 % | 22.14 | 5.9 % | 15.50 | 2.5 % |
Q1 2010 | 27.79 | 2.7 % | 19.20 | (10.2 %) | 16.34 | 6.7 % |
Q2 2010 | 29.17 | 0.8 % | 22.66 | 2.3 % | 17.41 | 10.0 % |
Q3 2010 | 29.85 | 2.4 % | 22.61 | 1.9 % | 18.27 | 17.1 % |
Q4 2010 | 33.02 | 10.1 % | 27.34 | 23.5 % | 18.70 | 20.6 % |
Q1 2011 | 35.91 | 29.2 % | 28.76 | 49.8 % | 19.94 | 22.1 % |
Q2 2011 | 36.74 | 26.0 % | 29.08 | 28.3 % | 22.03 | 26.5 % |
Q3 2011 | 37.55 | 25.8 % | 30.60 | 35.3 % | 21.78 | 19.3 % |
Q4 2011 | 38.90 | 17.8 % | 31.16 | 13.9 % | 23.31 | 24.6 % |
Q1 2012 | 43.10 | 20.0 % | 34.60 | 20.3 % | 25.07 | 25.7 % |
Q2 2012 | 47.12 | 28.2 % | 37.25 | 28.1 % | 27.23 | 23.6 % |
Q3 2012 | 47.84 | 27.4 % | 39.41 | 28.8 % | 28.31 | 30.0 % |
Q4 2012 | 50.78 | 30.5 % | 40.68 | 30.5 % | 29.90 | 28.3 % |
Q1 2013 | 54.14 | 25.6 % | 41.42 | 19.7 % | 32.41 | 29.3 % |
Q2 2013 | 56.25 | 19.4 % | 45.20 | 21.3 % | 33.31 | 22.3 % |
Q3 2013 | 55.53 | 16.1 % | 45.55 | 15.6 % | 35.39 | 25.0 % |
Q4 2013 | 59.98 | 18.1 % | 48.08 | 18.2 % | 34.99 | 17.1 % |
Q1 2014 | 60.64 | 12.0 % | 48.47 | 17.0 % | 36.68 | 13.2 % |
Q2 2014 | 65.80 | 17.0 % | 51.84 | 14.7 % | 38.97 | 17.0 % |
Q3 2014 | 65.63 | 18.2 % | 53.71 | 17.9 % | 40.25 | 13.7 % |
Q4 2014 | 66.55 | 11.0 % | 54.57 | 13.5 % | 41.24 | 17.9 % |
Q1 2015 | 69.37 | 14.4 % | 55.42 | 14.3 % | 40.87 | 11.4 % |
Q2 2015 | 67.63 | 2.8 % | 55.96 | 8.0 % | 42.40 | 8.8 % |
Q3 2015 | 68.31 | 4.1 % | 56.00 | 4.3 % | 42.21 | 4.9 % |
Q4 2015 | 63.26 | (4.9 %) | 49.77 | (8.8 %) | 42.17 | 2.3 % |
Q1 2016 | 65.62 | (5.4 %) | 50.66 | (8.6 %) | 43.32 | 6.0 % |
Q2 2016 | 68.27 | 0.9 % | 50.73 | (9.3 %) | 44.21 | 4.3 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
3m 2007 | 17.12 | 27.9 % | 12.04 | 31.5 % | 6.85 | 7.9 % |
6m 2007 | 15.72 | 5.8 % | 10.59 | 0.0 % | 7.20 | 24.3 % |
9m 2007 | 16.35 | 6.5 % | 11.21 | 3.6 % | 8.26 | 48.3 % |
12m 2007 | 21.56 | 37.2 % | 15.65 | 43.3 % | 9.88 | 57.5 % |
3m 2008 | 22.90 | 33.8 % | 15.93 | 32.3 % | 11.91 | 74.0 % |
6m 2008 | 24.28 | 54.5 % | 17.29 | 63.2 % | 14.00 | 94.5 % |
9m 2008 | 23.40 | 43.2 % | 16.86 | 50.3 % | 14.09 | 70.6 % |
12m 2008 | 27.52 | 27.6 % | 20.90 | 33.6 % | 15.13 | 53.2 % |
3m 2009 | 27.07 | 18.2 % | 21.37 | 34.2 % | 15.31 | 28.5 % |
6m 2009 | 28.94 | 19.2 % | 22.15 | 28.1 % | 15.82 | 13.0 % |
9m 2009 | 29.16 | 24.6 % | 22.19 | 31.6 % | 15.60 | 10.7 % |
12m 2009 | 29.98 | 8.9 % | 22.14 | 5.9 % | 15.50 | 2.5 % |
3m 2010 | 27.79 | 2.7 % | 19.20 | (10.2 %) | 16.34 | 6.7 % |
6m 2010 | 29.17 | 0.8 % | 22.66 | 2.3 % | 17.41 | 10.0 % |
9m 2010 | 29.85 | 2.4 % | 22.61 | 1.9 % | 18.27 | 17.1 % |
12m 2010 | 33.02 | 10.1 % | 27.34 | 23.5 % | 18.70 | 20.6 % |
3m 2011 | 35.91 | 29.2 % | 28.76 | 49.8 % | 19.94 | 22.1 % |
6m 2011 | 36.74 | 26.0 % | 29.08 | 28.3 % | 22.03 | 26.5 % |
9m 2011 | 37.55 | 25.8 % | 30.60 | 35.3 % | 21.78 | 19.3 % |
12m 2011 | 38.90 | 17.8 % | 31.16 | 13.9 % | 23.31 | 24.6 % |
3m 2012 | 43.10 | 20.0 % | 34.60 | 20.3 % | 25.07 | 25.7 % |
6m 2012 | 47.12 | 28.2 % | 37.25 | 28.1 % | 27.23 | 23.6 % |
9m 2012 | 47.84 | 27.4 % | 39.41 | 28.8 % | 28.31 | 30.0 % |
12m 2012 | 50.78 | 30.5 % | 40.68 | 30.5 % | 29.90 | 28.3 % |
3m 2013 | 54.14 | 25.6 % | 41.42 | 19.7 % | 32.41 | 29.3 % |
6m 2013 | 56.25 | 19.4 % | 45.20 | 21.3 % | 33.31 | 22.3 % |
9m 2013 | 55.53 | 16.1 % | 45.55 | 15.6 % | 35.39 | 25.0 % |
12m 2013 | 59.98 | 18.1 % | 48.08 | 18.2 % | 34.99 | 17.1 % |
3m 2014 | 60.64 | 12.0 % | 48.47 | 17.0 % | 36.68 | 13.2 % |
6m 2014 | 65.80 | 17.0 % | 51.84 | 14.7 % | 38.97 | 17.0 % |
9m 2014 | 65.63 | 18.2 % | 53.71 | 17.9 % | 40.25 | 13.7 % |
12m 2014 | 66.55 | 11.0 % | 54.57 | 13.5 % | 41.24 | 17.9 % |
3m 2015 | 69.37 | 14.4 % | 55.42 | 14.3 % | 40.87 | 11.4 % |
6m 2015 | 67.63 | 2.8 % | 55.96 | 8.0 % | 42.40 | 8.8 % |
9m 2015 | 68.31 | 4.1 % | 56.00 | 4.3 % | 42.21 | 4.9 % |
12m 2015 | 63.26 | (4.9 %) | 49.77 | (8.8 %) | 42.17 | 2.3 % |
3m 2016 | 65.62 | (5.4 %) | 50.66 | (8.6 %) | 43.32 | 6.0 % |
6m 2016 | 68.27 | 0.9 % | 50.73 | (9.3 %) | 44.21 | 4.3 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
2006 | 15.71 | 10.9 % | 10.92 | 0.9 % | 6.27 | (9.3 %) |
2007 | 21.56 | 37.2 % | 15.65 | 43.3 % | 9.88 | 57.5 % |
2008 | 27.52 | 27.6 % | 20.90 | 33.6 % | 15.13 | 53.2 % |
2009 | 29.98 | 8.9 % | 22.14 | 5.9 % | 15.50 | 2.5 % |
2010 | 33.02 | 10.1 % | 27.34 | 23.5 % | 18.70 | 20.6 % |
2011 | 38.90 | 17.8 % | 31.16 | 13.9 % | 23.31 | 24.6 % |
2012 | 50.78 | 30.5 % | 40.68 | 30.5 % | 29.90 | 28.3 % |
2013 | 59.98 | 18.1 % | 48.08 | 18.2 % | 34.99 | 17.1 % |
2014 | 66.55 | 11.0 % | 54.57 | 13.5 % | 41.24 | 17.9 % |
2015 | 63.26 | (4.9 %) | 49.77 | (8.8 %) | 42.17 | 2.3 % |
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
Q1 2007 | 70.32 % | 39.98 % | 56.86 % |
Q2 2007 | 67.39 % | 45.78 % | 67.93 % |
Q3 2007 | 68.60 % | 50.51 % | 73.64 % |
Q4 2007 | 72.56 % | 45.81 % | 63.14 % |
Q1 2008 | 69.55 % | 52.01 % | 74.78 % |
Q2 2008 | 71.20 % | 57.66 % | 80.99 % |
Q3 2008 | 72.04 % | 60.20 % | 83.56 % |
Q4 2008 | 75.95 % | 54.99 % | 72.41 % |
Q1 2009 | 78.97 % | 56.57 % | 71.63 % |
Q2 2009 | 76.53 % | 54.68 % | 71.44 % |
Q3 2009 | 76.10 % | 53.49 % | 70.29 % |
Q4 2009 | 73.87 % | 51.72 % | 70.02 % |
Q1 2010 | 69.10 % | 58.79 % | 85.09 % |
Q2 2010 | 77.71 % | 59.70 % | 76.83 % |
Q3 2010 | 75.74 % | 61.19 % | 80.79 % |
Q4 2010 | 82.82 % | 56.65 % | 68.40 % |
Q1 2011 | 80.08 % | 55.53 % | 69.34 % |
Q2 2011 | 79.15 % | 59.97 % | 75.77 % |
Q3 2011 | 81.48 % | 58.00 % | 71.19 % |
Q4 2011 | 80.10 % | 59.92 % | 74.80 % |
Q1 2012 | 80.28 % | 58.17 % | 72.45 % |
Q2 2012 | 79.07 % | 57.80 % | 73.10 % |
Q3 2012 | 82.39 % | 59.18 % | 71.84 % |
Q4 2012 | 80.10 % | 58.87 % | 73.50 % |
Q1 2013 | 76.51 % | 59.87 % | 78.24 % |
Q2 2013 | 80.35 % | 59.22 % | 73.70 % |
Q3 2013 | 82.03 % | 63.74 % | 77.70 % |
Q4 2013 | 80.17 % | 58.35 % | 72.78 % |
Q1 2014 | 79.93 % | 60.49 % | 75.69 % |
Q2 2014 | 78.78 % | 59.23 % | 75.18 % |
Q3 2014 | 81.83 % | 61.33 % | 74.95 % |
Q4 2014 | 81.99 % | 61.97 % | 75.58 % |
Q1 2015 | 79.89 % | 58.92 % | 73.75 % |
Q2 2015 | 82.75 % | 62.70 % | 75.77 % |
Q3 2015 | 81.98 % | 61.79 % | 75.37 % |
Q4 2015 | 78.66 % | 66.66 % | 84.75 % |
Q1 2016 | 77.19 % | 66.02 % | 85.52 % |
Q2 2016 | 74.31 % | 64.76 % | 87.15 % |
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
2006 | 69.48 % | 39.91 % | 57.44 % |
2007 | 72.56 % | 45.81 % | 63.14 % |
2008 | 75.95 % | 54.99 % | 72.41 % |
2009 | 73.87 % | 51.72 % | 70.02 % |
2010 | 82.82 % | 56.65 % | 68.40 % |
2011 | 80.10 % | 59.92 % | 74.80 % |
2012 | 80.10 % | 58.87 % | 73.50 % |
2013 | 80.17 % | 58.35 % | 72.78 % |
2014 | 81.99 % | 61.97 % | 75.58 % |
2015 | 78.66 % | 66.66 % | 84.75 % |
Period | Shares Outstanding (M) | EPS (Riyal) | Earnings Per Share before unusual items (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
Q1 2007 | 886.79 | 1.80 | 1.91 | - | 4.98 |
Q2 2007 | 886.79 | 1.28 | 1.28 | - | 4.88 |
Q3 2007 | 886.79 | 0.95 | 0.95 | - | 5.02 |
Q4 2007 | 886.79 | 0.91 | 0.91 | - | 5.30 |
Q1 2008 | 886.79 | 0.74 | 0.74 | - | 5.41 |
Q2 2008 | 886.79 | 0.62 | 0.62 | - | 5.41 |
Q3 2008 | 886.79 | 0.54 | 0.54 | - | 5.38 |
Q4 2008 | 886.79 | 0.25 | 0.25 | - | 5.23 |
Q1 2009 | 886.79 | 0.19 | 0.19 | - | 5.33 |
Q2 2009 | 886.79 | 0.22 | 0.22 | - | 5.30 |
Q3 2009 | 886.79 | 0.23 | 0.23 | - | 5.37 |
Q4 2009 | 886.79 | 0.03 | 0.03 | - | 5.06 |
Q1 2010 | 886.79 | (0.07) | (0.07) | - | 5.07 |
Q2 2010 | 886.79 | (0.18) | (0.18) | - | 5.10 |
Q3 2010 | 886.79 | (0.24) | (0.24) | - | 5.12 |
Q4 2010 | 886.79 | 0.03 | 0.03 | - | 5.09 |
Q1 2011 | 886.79 | 0.09 | 0.09 | - | 5.13 |
Q2 2011 | 886.79 | 0.14 | 0.14 | - | 5.16 |
Q3 2011 | 886.79 | 0.19 | 0.19 | - | 5.19 |
Q4 2011 | 886.79 | 0.34 | 0.34 | - | 5.34 |
Q1 2012 | 886.79 | 0.43 | 0.43 | - | 5.57 |
Q2 2012 | 886.79 | 0.51 | 0.51 | - | 5.42 |
Q3 2012 | 886.79 | 0.58 | 0.58 | - | 5.56 |
Q4 2012 | 886.79 | 0.56 | 0.56 | - | 5.65 |
Q1 2013 | 886.79 | 0.57 | 0.57 | - | 5.82 |
Q2 2013 | 886.79 | 0.61 | 0.61 | - | 6.06 |
Q3 2013 | 886.79 | 0.67 | 0.67 | - | 6.26 |
Q4 2013 | 886.79 | 0.73 | 0.73 | - | 6.46 |
Q1 2014 | 886.79 | 0.75 | 0.74 | - | 6.61 |
Q2 2014 | 886.79 | 0.75 | 0.73 | - | 6.74 |
Q3 2014 | 886.79 | 0.59 | 0.57 | - | 6.80 |
Q4 2014 | 886.79 | 0.65 | 0.61 | - | 6.94 |
Q1 2015 | 886.79 | 0.72 | 0.70 | - | 7.12 |
Q2 2015 | 886.79 | 1.36 | 0.71 | - | 8.06 |
Q3 2015 | 886.79 | 1.50 | 0.84 | - | 8.14 |
Q4 2015 | 886.79 | 1.45 | 0.81 | - | 8.36 |
Q1 2016 | 886.79 | 1.63 | 0.74 | - | 8.58 |
Q2 2016 | 886.79 | 1.00 | 0.76 | - | 8.69 |
Period | Shares Outstanding (M) | EPS (Riyal) | Earnings Per Share before unusual items (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
2006 | 886.79 | 2.23 | 2.34 | - | 4.73 |
2007 | 886.79 | 0.91 | 0.91 | - | 5.30 |
2008 | 886.79 | 0.25 | 0.25 | - | 5.23 |
2009 | 886.79 | 0.03 | 0.03 | - | 5.06 |
2010 | 886.79 | 0.03 | 0.03 | - | 5.09 |
2011 | 886.79 | 0.34 | 0.34 | - | 5.34 |
2012 | 886.79 | 0.56 | 0.56 | - | 5.65 |
2013 | 886.79 | 0.73 | 0.73 | - | 6.46 |
2014 | 886.79 | 0.65 | 0.61 | - | 6.94 |
2015 | 886.79 | 1.45 | 0.81 | - | 8.36 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
Q1 2007 | 15.69 | 14.76 | 5.65 |
Q2 2007 | 17.71 | 17.71 | 4.65 |
Q3 2007 | 26.15 | 26.15 | 4.97 |
Q4 2007 | 33.06 | 33.06 | 5.67 |
Q1 2008 | 33.59 | 33.59 | 4.59 |
Q2 2008 | 36.52 | 36.52 | 4.18 |
Q3 2008 | 27.69 | 27.69 | 2.75 |
Q4 2008 | 36.65 | 36.65 | 1.76 |
Q1 2009 | More than 100 | More than 100 | 1.92 |
Q2 2009 | More than 100 | More than 100 | 2.30 |
Q3 2009 | More than 100 | More than 100 | 2.28 |
Q4 2009 | More than 100 | More than 100 | 2.31 |
Q1 2010 | NEG | NEG | 2.30 |
Q2 2010 | NEG | NEG | 2.00 |
Q3 2010 | NEG | NEG | 2.06 |
Q4 2010 | More than 100 | More than 100 | 1.97 |
Q1 2011 | More than 100 | More than 100 | 2.21 |
Q2 2011 | More than 100 | More than 100 | 2.17 |
Q3 2011 | More than 100 | More than 100 | 1.98 |
Q4 2011 | 30.29 | 30.29 | 1.94 |
Q1 2012 | 41.66 | 41.66 | 3.24 |
Q2 2012 | 26.10 | 26.10 | 2.44 |
Q3 2012 | 27.57 | 27.57 | 2.87 |
Q4 2012 | 28.26 | 28.26 | 2.82 |
Q1 2013 | 28.93 | 28.93 | 2.81 |
Q2 2013 | 26.20 | 26.20 | 2.63 |
Q3 2013 | 27.71 | 27.71 | 2.99 |
Q4 2013 | 31.30 | 31.30 | 3.56 |
Q1 2014 | 34.01 | 34.39 | 3.87 |
Q2 2014 | 33.21 | 34.18 | 3.69 |
Q3 2014 | 49.47 | More than 100 | 4.29 |
Q4 2014 | 35.06 | 36.98 | 3.26 |
Q1 2015 | 31.62 | 32.77 | 3.21 |
Q2 2015 | 16.97 | 32.80 | 2.87 |
Q3 2015 | 11.03 | 19.69 | 2.03 |
Q4 2015 | 9.10 | 16.40 | 1.58 |
Q1 2016 | 6.66 | 14.55 | 1.26 |
Q2 2016 | 10.50 | 13.75 | 1.20 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
2006 | 13.49 | 12.84 | 6.35 |
2007 | 33.06 | 33.06 | 5.67 |
2008 | 36.65 | 36.65 | 1.76 |
2009 | More than 100 | More than 100 | 2.31 |
2010 | More than 100 | More than 100 | 1.97 |
2011 | 30.29 | 30.29 | 1.94 |
2012 | 28.26 | 28.26 | 2.82 |
2013 | 31.30 | 31.30 | 3.56 |
2014 | 35.06 | 36.98 | 3.26 |
2015 | 9.10 | 16.40 | 1.58 |
Q2 2016
2016
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Brokerage and Asset Management | Takaful Ta'awni | Others |
---|---|---|---|---|---|---|
Q1 2007 | 311.42 | 49.66 | 54.09 | - | - | - |
Q2 2007 | 240.47 | 56.60 | 66.26 | - | - | - |
Q3 2007 | 192.07 | 65.28 | 64.51 | - | - | - |
Q4 2007 | 214.85 | 77.73 | 53.86 | - | - | - |
Q1 2008 | 260.15 | 29.36 | 52.24 | - | - | - |
Q2 2008 | (84.19) | 191.26 | 10.49 | 213.75 | - | - |
Q3 2008 | 72.82 | 123.78 | (1.31) | 62.00 | - | - |
Q4 2008 | 62.72 | 98.58 | (13.93) | 58.82 | - | - |
Q1 2009 | 82.82 | 96.62 | 29.86 | 67.30 | - | - |
Q2 2009 | 46.52 | 190.18 | 30.52 | 82.21 | - | - |
Q3 2009 | 64.52 | 111.74 | 115.51 | 66.40 | - | - |
Q4 2009 | 58.85 | 108.78 | 1.67 | 17.56 | - | - |
Q1 2010 | 91.08 | 136.47 | 23.15 | 40.82 | 13.59 | - |
Q2 2010 | 97.94 | 136.50 | 3.26 | 53.83 | 3.68 | - |
Q3 2010 | 68.47 | 108.59 | 77.65 | 30.95 | 6.95 | - |
Q4 2010 | 94.59 | 127.93 | (60.07) | 35.72 | 10.21 | 53.78 |
Q1 2011 | 73.31 | 101.13 | 48.61 | 46.09 | 9.52 | (2.39) |
Q2 2011 | 78.47 | 109.47 | 54.87 | 60.99 | 9.28 | (4.79) |
Q3 2011 | 80.09 | 112.58 | 61.12 | 38.17 | 9.01 | (7.26) |
Q4 2011 | 97.59 | 108.55 | 62.34 | 57.98 | 8.63 | (5.26) |
Q1 2012 | 92.91 | 117.73 | 96.74 | 116.75 | 7.60 | (5.99) |
Q2 2012 | 88.87 | 106.38 | 111.70 | 104.00 | 5.62 | (8.05) |
Q3 2012 | 98.70 | 115.90 | 106.92 | 70.55 | 6.84 | (7.00) |
Q4 2012 | 103.03 | 94.05 | 111.35 | 63.16 | 5.50 | (5.68) |
Q1 2013 | 150.91 | 99.50 | 126.92 | 72.36 | 5.01 | (12.08) |
Q2 2013 | 135.01 | 123.26 | 127.51 | 66.09 | 5.13 | (8.52) |
Q3 2013 | 146.59 | 137.61 | 110.29 | 76.17 | 4.66 | (3.44) |
Q4 2013 | 115.42 | 131.47 | 177.98 | 60.08 | 6.60 | (15.20) |
Q1 2014 | 149.23 | 108.40 | 177.78 | 86.67 | 5.72 | (10.39) |
Q2 2014 | 154.19 | 136.57 | 183.90 | 103.10 | 5.70 | (14.31) |
Q3 2014 | 241.80 | 152.13 | 94.78 | 103.80 | 16.80 | (15.06) |
Q4 2014 | 194.50 | 161.40 | 158.34 | 52.81 | 5.42 | (15.63) |
Q1 2015 | 211.86 | 173.44 | 153.59 | 94.53 | 5.44 | (14.49) |
Q2 2015 | 220.02 | 153.97 | 170.90 | 88.18 | 5.37 | 545.83 |
Q3 2015 | 213.55 | 144.66 | 156.01 | 34.56 | 5.29 | (22.03) |
Q4 2015 | 248.50 | 105.60 | 191.82 | 53.46 | 5.24 | (23.79) |
Q1 2016 | 251.38 | 120.43 | 166.80 | 53.64 | 4.52 | 176.49 |
Q2 2016 | 245.82 | 110.98 | 197.39 | 51.27 | 4.75 | (30.34) |
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Brokerage and Asset Management | Takaful Ta'awni | Others |
---|---|---|---|---|---|---|
2006 | 2,251.54 | 162.64 | 201.22 | - | - | - |
2007 | 958.80 | 249.27 | 238.72 | - | - | - |
2008 | 311.51 | 442.97 | 47.50 | 334.57 | - | - |
2009 | 252.71 | 507.31 | 177.56 | 233.47 | - | - |
2010 | 352.08 | 509.49 | 43.99 | 161.31 | 34.42 | 53.78 |
2011 | 329.46 | 431.72 | 226.94 | 203.23 | 36.44 | (19.70) |
2012 | 383.51 | 434.06 | 426.70 | 354.46 | 25.56 | (26.71) |
2013 | 547.92 | 491.85 | 542.70 | 274.70 | 21.39 | (39.24) |
2014 | 739.72 | 558.51 | 614.79 | 346.39 | 22.22 | (55.39) |
2015 | 893.94 | 577.67 | 672.32 | 270.73 | 21.34 | 485.52 |
Item | Q2 2016 (e) | Q2 2016 (net income) | Change | Q2 2016 (before unusual items) | Change |
---|---|---|---|---|---|
Average | 171.26 | 177.52 | 3.65 % | 177.52 | 3.65 % |
Item | Q2 2016 (e) | Q2 2016 (net income) | Change | Q2 2016 (before unusual items) | Change |
---|---|---|---|---|---|
OSOOL AND BAKHEET | 174.10 | 177.52 | 2.0 % | 177.52 | 2.0 % |
Value Capital | 172.80 | 177.52 | 2.7 % | 177.52 | 2.7 % |
Albilad Capital | 171.00 | 177.52 | 3.8 % | 177.52 | 3.8 % |
Alistithmar Capital | 170.40 | 177.52 | 4.2 % | 177.52 | 4.2 % |
SNB Capital | 168.00 | 177.52 | 5.7 % | 177.52 | 5.7 % |
Current | |
Market Cap (M Riyal) | 16,810.00 |
Shares Outstanding ((M)) | 1,281.25 |
EPS ( Riyal) (TTM) | 1.01 |
EPS Diluted ( Riyal) (TTM) | 0.93 |
Book Value (BV) ( Riyal) | 11.70 |
Par Value ( Riyal) | 10.00 |
Adjusted P/E (Last12) | 13.46 |
P/E (TTM) | 13.02 |
Price/book | 1.12 |
Return on Average Assets (%) (TTM) | 0.9 |
Return on Average Equity (%) (TTM) | 9.4 |
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