Financial Results : Bank Aljazira H1 net profit falls 22%

Bank Aljazira H1 net profit falls 22%

24/07/2017 Argaam Exclusive

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Bank Aljazira reported a net profit of SAR 436 million for the first half of the year, a 22 percent fall year-on-year (YoY) attributed to lower operating income and higher operating expenses, which rose due to an increase in net impairment charge for credit losses.

 

The bank had also benefitted from a gain of SAR 209 million in H1 2016 from a land sale

 



Financials (M)

Item 6m 2016 6m 2017 Change‬
Net Special Commission Income 754.61 887.42 17.6 %
Operating Income 1,144.51 1,262.41 10.3 %
Total Provisions (58.40) (108.75) (86.2 %)
Net Income 558.83 436.13 (22.0 %)
Average Shares 886.79 886.79 -
Earnings Per Share before unusual items (Riyals) 0.39 0.49 24.5 %
EPS (Riyals) 0.63 0.49 (22.0 %)

The bank’s net profit for the second quarter rose 23.6 percent YoY to SAR 220 million due to a 14 percent increase in operating income, which was offset by higher operating expenses. The Q2 profit was nearly 2 percent higher than previous quarter.



Current Quarter Comparison (M)

Compared With The
Item Q2 2016 Q2 2017 Change‬
Net Special Commission Income 384.52 453.44 17.9 %
Operating Income 579.86 645.11 11.3 %
Debt Provisions (30.67) (61.94) (101.9 %)
Net Income 177.52 220.16 24.0 %
Average Shares 886.79 886.79 -
Earnings Per Share before unusual items (Riyals) 0.20 0.25 24.0 %
EPS (Riyals) 0.20 0.25 24.0 %

Balance Sheet (B)

Item 6m 2016 6m 2017 Change‬
Assets 68.27 67.00 (1.9 %)
Customer Deposits 50.73 49.17 (3.1 %)
Loan 44.21 40.97 (7.3 %)


Financial results (Million)

Period Net Special Commission Income Change Operating Income Change Debt Provisions Change
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 %)
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 %)
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 %
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 %
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 %)
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 %)
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 %
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 %
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 %
Q3 2016 407.21 (0.8 %) 575.36 8.1 % (28.63) (171.9 %)
Q4 2016 404.66 3.7 % 544.05 (6.3 %) (38.19) (411.2 %)
Q1 2017 433.98 17.3 % 617.30 9.3 % (46.81) (68.8 %)
Q2 2017 453.44 17.9 % 645.11 11.3 % (61.94) (101.9 %)


Profit Performance (Million)

Period Net Income Change EPS(Riyal) Extraordinary Income/Expense Net Profit Before Unusual Items Earnings Per Share before unusual items
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)
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)
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)
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
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
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
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
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
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
Q3 2016 160.69 (3.0 %) 0.18 - 160.69 0.18
Q4 2016 152.43 (3.9 %) 0.17 - 152.43 0.17
Q1 2017 215.97 (43.4 %) 0.24 - 215.97 0.24
Q2 2017 220.16 24.0 % 0.25 - 220.16 0.25

Profitability

Period Return On Average Assets Return on Average Equity Net Interest Income/Total Operating Income
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 %
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 %
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 %
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 %
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 %
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 %
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 %
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 %
Q1 2016 2.14 % 20.71 % 68.78 %
Q2 2016 1.30 % 11.89 % 68.91 %
Q3 2016 1.31 % 11.70 % 67.47 %
Q4 2016 1.35 % 11.24 % 69.19 %
Q1 2017 1.08 % 8.87 % 70.38 %
Q2 2017 1.11 % 9.34 % 71.34 %

Balance Sheet (B)

Period Assets Change Customer Deposits Change Loan Change
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 %
Q3 2016 65.95 (3.4 %) 50.33 (10.1 %) 43.19 2.3 %
Q4 2016 66.32 4.8 % 51.60 3.7 % 42.10 (0.2 %)
Q1 2017 65.11 (0.8 %) 49.81 (1.7 %) 41.33 (4.6 %)
Q2 2017 67.00 (1.9 %) 49.17 (3.1 %) 40.97 (7.3 %)

Ratios

Period Customer Deposits Per Total Assets Loans and advances/Total assets Loans and advances/Customers Deposits
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 %
Q3 2016 76.32 % 65.49 % 85.81 %
Q4 2016 77.81 % 63.48 % 81.58 %
Q1 2017 76.50 % 63.47 % 82.97 %
Q2 2017 73.38 % 61.15 % 83.33 %


Per Share Data (Riyal)

Compared With The
Period Shares Outstanding (M) EPS (Riyal) Earnings Per Share before unusual items (Riyal) EPS Diluted (Riyal) Book Value (BV)
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
Q3 2016 886.79 0.99 0.76 - 8.80
Q4 2016 886.79 0.98 0.75 - 9.14
Q1 2017 886.79 0.80 0.80 - 9.39
Q2 2017 886.79 0.84 0.84 - 9.39

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Adjusted P/E Price/book
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
Q3 2016 8.21 10.76 0.92
Q4 2016 11.76 15.45 1.26
Q1 2017 16.89 16.89 1.43
Q2 2017 14.71 14.71 1.32

Business Segments (Million)

Compared With The
Period Retail Corporate and Institutional Banking Global markets and Treasury Brokerage and Asset Management Takaful Ta'awni Others
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)
Q3 2016 230.30 124.05 203.25 37.20 5.84 (25.29)
Q4 2016 191.78 128.75 196.50 51.38 5.11 (29.47)
Q1 2017 253.88 143.41 203.93 47.12 5.10 (36.14)
Q2 2017 270.06 151.98 219.07 42.23 4.78 (43.00)

Analysts Estimates (Million)

Item Q2 2017 (e) Q2 2017 (net income) Change‬ Q2 2017 (before unusual items) Change‬
Average 184.86 220.16 19.10 % 220.16 19.10 %

Estimates vs Actual (Million)

Item Q2 2017 (e) Q2 2017 (net income) Change Q2 2017 (before unusual items) Change‬
Value Capital 199.30 220.16 10.5 % 220.16 10.5 %
Albilad Capital 197.00 220.16 11.8 % 220.16 11.8 %
Hermes 178.00 220.16 23.7 % 220.16 23.7 %
SNB Capital 175.00 220.16 25.8 % 220.16 25.8 %
OSOOL AND BAKHEET 175.00 220.16 25.8 % 220.16 25.8 %


Financial Ratios
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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Share Price

Bank Aljazira
13.12
(0.08) (0.61 %)

Bank Aljazira (BJAZ)

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