Banque Saudi Fransi (BSF) reported a net profit of SAR 1.549 billion for the first half of 2021, a 38% rise from SAR 1.119 billion a year earlier.
The profit rise was primarily attributed to a 17.4% % year-on-year (YoY) decrease in total operating expenses, along with 0.9% YoY increase in total operating income.
| Item | 6m 2020 | 6m 2021 | Change |
|---|---|---|---|
| Net Special Commission Income | 2,584.06 | 2,617.75 | 1.3 % |
| Operating Income | 3,516.97 | 3,549.17 | 0.9 % |
| Total Provisions | (1031.88) | (557.05) | 46.0 % |
| Net Income | 1,118.87 | 1,549.36 | 38.5 % |
| Average Shares | 1,205.36 | 1,205.36 | - |
| EPS (Riyals) | 0.93 | 1.29 | 38.5 % |
| EPS Diluted (Riyals) | 0.93 | 1.21 | 30.1 % |
In Q2 2021, net profit after Zakat and tax surged 76% YoY to SAR 770 million. The rise was backed by a 25.7% decrease YoY in total operating expenses, amid lower impairment charges for credit losses and other financial assets.
| Item | Q2 2020 | Q2 2021 | Change |
|---|---|---|---|
| Net Special Commission Income | 1,296.83 | 1,330.43 | 2.6 % |
| Operating Income | 1,760.03 | 1,753.66 | (0.4 %) |
| Debt Provisions | (634.32) | (266.97) | 57.9 % |
| Net Income | 436.80 | 769.68 | 76.2 % |
| Average Shares | 1,205.36 | 1,205.36 | - |
| EPS (Riyals) | 0.36 | 0.64 | 76.2 % |
| EPS Diluted (Riyal) | 0.36 | 0.59 | 63.9 % |
| Item | Q1 2021 | Q2 2021 | Change |
|---|---|---|---|
| Net Special Commission Income | 1,287.32 | 1,330.43 | 3.3 % |
| Operating Income | 1,795.51 | 1,753.66 | (2.3 %) |
| Debt Provisions | (290.08) | (266.97) | 8.0 % |
| Net Income | 779.68 | 769.68 | (1.3 %) |
| Average Shares | 1,205.36 | 1,205.36 | - |
| EPS (Riyals) | 0.65 | 0.64 | (1.3 %) |
| EPS Diluted (Riyal) | 0.62 | 0.59 | (4.8 %) |
On a sequential basis, net profit edged down 1.2% from SAR 780 million.
| Item | 6m 2020 | 6m 2021 | Change |
|---|---|---|---|
| Assets | 201.95 | 211.31 | 4.6 % |
| Customer Deposits | 138.05 | 140.80 | 2.0 % |
| Loan | 135.75 | 141.81 | 4.5 % |
| Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change | Net Income | Change | EPS(Riyal) |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2012 | 801.81 | 5.9 % | 1,220.21 | 6.1 % | (61.27) | (175.7 %) | 788.90 | 10.1 % | 0.65 |
| Q2 2012 | 843.93 | 7.0 % | 1,282.80 | 10.3 % | (141.65) | (503.9 %) | 757.21 | (2.1 %) | 0.63 |
| Q3 2012 | 825.99 | 2.2 % | 1,220.25 | 4.8 % | (174.37) | (208.7 %) | 661.53 | (12.9 %) | 0.55 |
| Q4 2012 | 834.04 | 6.6 % | 1,286.30 | 16.1 % | (77.89) | (39.7 %) | 807.50 | 22.2 % | 0.67 |
| 2012 | 3,305.78 | 5.4 % | 5,009.55 | 9.3 % | (455.18) | (188.3 %) | 3,015.14 | 3.6 % | 2.50 |
| Q1 2013 | 799.24 | (0.3 %) | 1,205.05 | (1.2 %) | (127.84) | (108.7 %) | 683.86 | (13.3 %) | 0.57 |
| Q2 2013 | 830.50 | (1.6 %) | 1,282.64 | 0.0 % | (107.59) | 24.0 % | 762.64 | 0.7 % | 0.63 |
| Q3 2013 | 869.60 | 5.3 % | 1,284.06 | 5.2 % | (169.01) | 3.1 % | 685.44 | 3.6 % | 0.57 |
| Q4 2013 | 863.96 | 3.6 % | 1,280.78 | (0.4 %) | (552.98) | (609.9 %) | 273.65 | (66.1 %) | 0.23 |
| 2013 | 3,363.30 | 1.7 % | 5,052.53 | 0.9 % | (957.42) | (110.3 %) | 2,405.58 | (20.2 %) | 2.00 |
| Q1 2014 | 896.55 | 12.2 % | 1,401.17 | 16.3 % | (108.57) | 15.1 % | 855.78 | 25.1 % | 0.71 |
| Q2 2014 | 969.86 | 16.8 % | 1,478.33 | 15.3 % | (105.37) | 2.1 % | 884.24 | 15.9 % | 0.73 |
| Q3 2014 | 980.13 | 12.7 % | 1,486.66 | 15.8 % | (72.55) | 57.1 % | 925.61 | 35.0 % | 0.77 |
| Q4 2014 | 970.45 | 12.3 % | 1,419.88 | 10.9 % | (34.44) | 93.8 % | 850.71 | 210.9 % | 0.71 |
| 2014 | 3,816.98 | 13.5 % | 5,786.04 | 14.5 % | (320.93) | 66.5 % | 3,516.34 | 46.2 % | 2.92 |
| Q1 2015 | 962.89 | 7.4 % | 1,590.11 | 13.5 % | (37.20) | 65.7 % | 1,050.38 | 22.7 % | 0.87 |
| Q2 2015 | 1,016.15 | 4.8 % | 1,578.73 | 6.8 % | (42.97) | 59.2 % | 1,015.83 | 14.9 % | 0.84 |
| Q3 2015 | 1,044.11 | 6.5 % | 1,588.27 | 6.8 % | (50.23) | 30.8 % | 1,020.25 | 10.2 % | 0.85 |
| Q4 2015 | 1,032.13 | 6.4 % | 1,534.38 | 8.1 % | (50.51) | (46.7 %) | 949.98 | 11.7 % | 0.79 |
| 2015 | 4,055.28 | 6.2 % | 6,291.50 | 8.7 % | (180.90) | 43.6 % | 4,036.44 | 14.8 % | 3.35 |
| Q1 2016 | 1,062.82 | 10.4 % | 1,644.92 | 3.4 % | (41.74) | (12.2 %) | 1,077.80 | 2.6 % | 0.89 |
| Q2 2016 | 1,068.80 | 5.2 % | 1,612.88 | 2.2 % | (36.58) | 14.9 % | 1,048.19 | 3.2 % | 0.87 |
| Q3 2016 | 1,107.55 | 6.1 % | 1,587.64 | 0.0 % | (54.53) | (8.6 %) | 1,010.24 | (1.0 %) | 0.84 |
| Q4 2016 | 1,017.03 | (1.5 %) | 1,554.28 | 1.3 % | (635.53) | (1,158.2 %) | 374.01 | (60.6 %) | 0.31 |
| 2016 | 4,256.19 | 5.0 % | 6,399.71 | 1.7 % | (768.37) | (324.7 %) | 3,510.23 | (13.0 %) | 2.91 |
| Q1 2017 | 1,111.53 | 4.6 % | 1,696.56 | 3.1 % | (29.04) | 30.4 % | 1,103.89 | 2.4 % | 0.92 |
| Q2 2017 | 1,167.37 | 9.2 % | 1,630.39 | 1.1 % | (58.57) | (60.1 %) | 1,004.69 | (4.1 %) | 0.83 |
| Q3 2017 | 1,207.13 | 9.0 % | 1,629.57 | 2.6 % | (55.68) | (2.1 %) | 1,000.54 | (1.0 %) | 0.83 |
| Q4 2017 | 1,213.64 | 19.3 % | 1,619.68 | 4.2 % | (517.82) | 18.5 % | 422.77 | 13.0 % | 0.35 |
| 2017 | 4,699.67 | 10.4 % | 6,576.21 | 2.8 % | (497.96) | 35.2 % | 3,531.88 | 0.6 % | 2.93 |
| Q1 2018 | 1,256.00 | 13.0 % | 1,647.17 | (2.9 %) | (89.74) | (209.0 %) | 1,049.95 | (4.9 %) | 0.87 |
| Q2 2018 | 1,252.35 | 7.3 % | 1,665.13 | 2.1 % | (126.18) | (115.4 %) | 841.31 | (16.3 %) | 0.70 |
| Q3 2018 | 1,261.35 | 4.5 % | 1,696.39 | 4.1 % | (127.84) | (129.6 %) | 943.44 | (5.7 %) | 0.78 |
| Q4 2018 | 1,247.18 | 2.8 % | 1,692.64 | 4.5 % | (566.73) | (9.4 %) | (1431.68) | (438.6 %) | (1.19) |
| 2018 | 5,016.87 | 6.7 % | 6,701.33 | 1.9 % | (910.50) | (82.8 %) | 1,403.02 | (60.3 %) | 1.16 |
| Q1 2019 | 1,272.94 | 1.3 % | 1,722.68 | 4.6 % | (144.17) | (60.6 %) | 916.83 | (12.7 %) | 0.76 |
| Q2 2019 | 1,297.53 | 3.6 % | 1,706.43 | 2.5 % | (200.32) | (58.8 %) | 803.63 | (4.5 %) | 0.67 |
| Q3 2019 | 1,343.91 | 6.5 % | 1,737.71 | 2.4 % | (226.22) | (77.0 %) | 880.00 | (6.7 %) | 0.73 |
| Q4 2019 | 1,291.30 | 3.5 % | 1,705.72 | 0.8 % | (437.86) | 22.7 % | 514.51 | 135.9 % | 0.43 |
| 2019 | 5,205.68 | 3.8 % | 6,872.55 | 2.6 % | (1,008.57) | (10.8 %) | 3,114.97 | 122.0 % | 2.58 |
| Q1 2020 | 1,287.24 | 1.1 % | 1,756.94 | 2.0 % | (397.57) | (175.8 %) | 682.08 | (25.6 %) | 0.57 |
| Q2 2020 | 1,296.83 | (0.1 %) | 1,760.03 | 3.1 % | (634.32) | (216.7 %) | 436.80 | (45.6 %) | 0.36 |
| Q3 2020 | 1,375.04 | 2.3 % | 1,750.75 | 0.8 % | (930.45) | (311.3 %) | 333.39 | (62.1 %) | 0.28 |
| Q4 2020 | 1,281.29 | (0.8 %) | 1,776.88 | 4.2 % | (853.99) | (95.0 %) | 93.95 | (81.7 %) | 0.08 |
| 2020 | 5,240.39 | 0.7 % | 7,044.59 | 2.5 % | (2,816.32) | (179.2 %) | 1,546.21 | (50.4 %) | 1.28 |
| Q1 2021 | 1,287.32 | 0.0 % | 1,795.51 | 2.2 % | (290.08) | 27.0 % | 779.68 | 14.3 % | 0.65 |
| Q2 2021 | 1,330.43 | 2.6 % | 1,753.66 | (0.4 %) | (266.97) | 57.9 % | 769.68 | 76.2 % | 0.64 |
| Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change | Net Income | Change | EPS(Riyal) |
|---|---|---|---|---|---|---|---|---|---|
| 2011 | 3,137.07 | 2.3 % | 4,584.77 | 4.3 % | (157.91) | 53.5 % | 2,910.94 | 3.9 % | 2.42 |
| 2012 | 3,305.78 | 5.4 % | 5,009.55 | 9.3 % | (455.18) | (188.3 %) | 3,015.14 | 3.6 % | 2.50 |
| 2013 | 3,363.30 | 1.7 % | 5,052.53 | 0.9 % | (957.42) | (110.3 %) | 2,405.58 | (20.2 %) | 2.00 |
| 2014 | 3,816.98 | 13.5 % | 5,786.04 | 14.5 % | (320.93) | 66.5 % | 3,516.34 | 46.2 % | 2.92 |
| 2015 | 4,055.28 | 6.2 % | 6,291.50 | 8.7 % | (180.90) | 43.6 % | 4,036.44 | 14.8 % | 3.35 |
| 2016 | 4,256.19 | 5.0 % | 6,399.71 | 1.7 % | (768.37) | (324.7 %) | 3,510.23 | (13.0 %) | 2.91 |
| 2017 | 4,699.67 | 10.4 % | 6,576.21 | 2.8 % | (497.96) | 35.2 % | 3,531.88 | 0.6 % | 2.93 |
| 2018 | 5,016.87 | 6.7 % | 6,701.33 | 1.9 % | (910.50) | (82.8 %) | 1,403.02 | (60.3 %) | 1.16 |
| 2019 | 5,205.68 | 3.8 % | 6,872.55 | 2.6 % | (1,008.57) | (10.8 %) | 3,114.97 | 122.0 % | 2.58 |
| 2020 | 5,240.39 | 0.7 % | 7,044.59 | 2.5 % | (2,816.32) | (179.2 %) | 1,546.21 | (50.4 %) | 1.28 |
| Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
|---|---|---|---|
| Q1 2012 | 2.15 % | 15.54 % | 68.35 % |
| Q2 2012 | 2.11 % | 14.90 % | 67.79 % |
| Q3 2012 | 2.01 % | 13.83 % | 67.36 % |
| Q4 2012 | 2.02 % | 14.24 % | 65.99 % |
| 2012 | 2.02 % | 14.24 % | 65.99 % |
| Q1 2013 | 1.85 % | 13.24 % | 66.14 % |
| Q2 2013 | 1.86 % | 13.15 % | 65.87 % |
| Q3 2013 | 1.82 % | 12.93 % | 65.90 % |
| Q4 2013 | 1.47 % | 10.48 % | 66.57 % |
| 2013 | 1.47 % | 10.48 % | 66.57 % |
| Q1 2014 | 1.48 % | 10.85 % | 65.93 % |
| Q2 2014 | 1.54 % | 11.20 % | 66.12 % |
| Q3 2014 | 1.67 % | 12.12 % | 65.71 % |
| Q4 2014 | 1.96 % | 14.15 % | 65.97 % |
| 2014 | 1.96 % | 14.15 % | 65.97 % |
| Q1 2015 | 1.96 % | 14.22 % | 64.99 % |
| Q2 2015 | 2.08 % | 14.45 % | 64.68 % |
| Q3 2015 | 2.14 % | 14.69 % | 64.65 % |
| Q4 2015 | 2.17 % | 14.96 % | 64.46 % |
| 2015 | 2.17 % | 14.96 % | 64.46 % |
| Q1 2016 | 2.15 % | 14.23 % | 65.47 % |
| Q2 2016 | 2.16 % | 14.48 % | 65.95 % |
| Q3 2016 | 2.15 % | 14.38 % | 66.95 % |
| Q4 2016 | 1.81 % | 12.28 % | 66.51 % |
| 2016 | 1.81 % | 12.28 % | 66.51 % |
| Q1 2017 | 1.82 % | 11.82 % | 66.73 % |
| Q2 2017 | 1.75 % | 11.59 % | 68.07 % |
| Q3 2017 | 1.75 % | 11.61 % | 69.16 % |
| Q4 2017 | 1.78 % | 11.51 % | 71.46 % |
| 2017 | 1.78 % | 11.51 % | 71.46 % |
| Q1 2018 | 1.79 % | 11.14 % | 74.22 % |
| Q2 2018 | 1.68 % | 10.39 % | 75.12 % |
| Q3 2018 | 1.67 % | 10.27 % | 75.18 % |
| Q4 2018 | 0.73 % | 4.49 % | 74.86 % |
| 2018 | 0.73 % | 4.49 % | 74.86 % |
| Q1 2019 | 0.68 % | 3.97 % | 74.28 % |
| Q2 2019 | 0.66 % | 3.81 % | 74.49 % |
| Q3 2019 | 0.62 % | 3.62 % | 75.25 % |
| Q4 2019 | 1.69 % | 9.76 % | 75.75 % |
| 2019 | 1.69 % | 9.76 % | 75.75 % |
| Q1 2020 | 1.48 % | 8.70 % | 75.58 % |
| Q2 2020 | 1.29 % | 7.58 % | 74.99 % |
| Q3 2020 | 1.02 % | 5.93 % | 75.29 % |
| Q4 2020 | 0.83 % | 4.64 % | 74.39 % |
| 2020 | 0.83 % | 4.64 % | 74.39 % |
| Q1 2021 | 0.82 % | 4.82 % | 73.98 % |
| Q2 2021 | 0.96 % | 5.82 % | 74.53 % |
| Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
|---|---|---|---|
| 2011 | 2.21 % | 15.46 % | 68.42 % |
| 2012 | 2.02 % | 14.24 % | 65.99 % |
| 2013 | 1.47 % | 10.48 % | 66.57 % |
| 2014 | 1.96 % | 14.15 % | 65.97 % |
| 2015 | 2.17 % | 14.96 % | 64.46 % |
| 2016 | 1.81 % | 12.28 % | 66.51 % |
| 2017 | 1.78 % | 11.51 % | 71.46 % |
| 2018 | 0.73 % | 4.49 % | 74.86 % |
| 2019 | 1.69 % | 9.76 % | 75.75 % |
| 2020 | 0.83 % | 4.64 % | 74.39 % |
| Period | Assets | Change | Customer Deposits | Change | Loan | Change |
|---|---|---|---|---|---|---|
| Q1 2012 | 150.48 | 18.9 % | 112.60 | 17.3 % | 97.48 | 16.1 % |
| Q2 2012 | 147.09 | 10.0 % | 108.94 | 9.3 % | 100.52 | 18.0 % |
| Q3 2012 | 154.97 | 18.3 % | 116.85 | 19.5 % | 102.22 | 13.9 % |
| Q4 2012 | 157.78 | 12.3 % | 115.57 | 5.1 % | 102.79 | 11.3 % |
| Q1 2013 | 163.99 | 9.0 % | 119.26 | 5.9 % | 105.81 | 8.6 % |
| Q2 2013 | 165.78 | 12.7 % | 124.58 | 14.3 % | 110.24 | 9.7 % |
| Q3 2013 | 168.04 | 8.4 % | 124.96 | 6.9 % | 112.57 | 10.1 % |
| Q4 2013 | 170.06 | 7.8 % | 131.60 | 13.9 % | 111.31 | 8.3 % |
| Q1 2014 | 184.28 | 12.4 % | 137.91 | 15.6 % | 114.84 | 8.5 % |
| Q2 2014 | 184.31 | 11.2 % | 134.41 | 7.9 % | 117.39 | 6.5 % |
| Q3 2014 | 183.24 | 9.0 % | 131.94 | 5.6 % | 118.22 | 5.0 % |
| Q4 2014 | 188.78 | 11.0 % | 145.28 | 10.4 % | 116.54 | 4.7 % |
| Q1 2015 | 193.88 | 5.2 % | 150.21 | 8.9 % | 120.79 | 5.2 % |
| Q2 2015 | 185.95 | 0.9 % | 142.63 | 6.1 % | 125.04 | 6.5 % |
| Q3 2015 | 184.99 | 1.0 % | 143.95 | 9.1 % | 124.41 | 5.2 % |
| Q4 2015 | 183.72 | (2.7 %) | 141.85 | (2.4 %) | 123.77 | 6.2 % |
| Q1 2016 | 184.02 | (5.1 %) | 141.82 | (5.6 %) | 124.98 | 3.5 % |
| Q2 2016 | 193.91 | 4.3 % | 138.81 | (2.7 %) | 129.64 | 3.7 % |
| Q3 2016 | 195.74 | 5.8 % | 147.28 | 2.3 % | 133.94 | 7.7 % |
| Q4 2016 | 203.43 | 10.7 % | 158.46 | 11.7 % | 129.46 | 4.6 % |
| Q1 2017 | 204.36 | 11.1 % | 158.47 | 11.7 % | 129.09 | 3.3 % |
| Q2 2017 | 205.34 | 5.9 % | 163.90 | 18.1 % | 129.38 | (0.2 %) |
| Q3 2017 | 201.70 | 3.0 % | 155.47 | 5.6 % | 128.95 | (3.7 %) |
| Q4 2017 | 192.93 | (5.2 %) | 150.95 | (4.7 %) | 121.94 | (5.8 %) |
| Q1 2018 | 184.02 | (10.0 %) | 141.94 | (10.4 %) | 123.88 | (4.0 %) |
| Q2 2018 | 188.96 | (8.0 %) | 146.70 | (10.5 %) | 122.81 | (5.1 %) |
| Q3 2018 | 189.34 | (6.1 %) | 146.69 | (5.6 %) | 123.70 | (4.1 %) |
| Q4 2018 | 190.25 | (1.4 %) | 148.37 | (1.7 %) | 120.63 | (1.1 %) |
| Q1 2019 | 190.04 | 3.3 % | 144.82 | 2.0 % | 121.27 | (2.1 %) |
| Q2 2019 | 186.58 | (1.3 %) | 142.23 | (3.1 %) | 124.23 | 1.2 % |
| Q3 2019 | 186.37 | (1.6 %) | 141.90 | (3.3 %) | 123.44 | (0.2 %) |
| Q4 2019 | 178.15 | (6.4 %) | 132.84 | (10.5 %) | 125.73 | 4.2 % |
| Q1 2020 | 199.18 | 4.8 % | 146.77 | 1.3 % | 134.88 | 11.2 % |
| Q2 2020 | 201.95 | 8.2 % | 138.05 | (2.9 %) | 135.75 | 9.3 % |
| Q3 2020 | 197.44 | 5.9 % | 135.65 | (4.4 %) | 134.36 | 8.8 % |
| Q4 2020 | 194.07 | 8.9 % | 127.11 | (4.3 %) | 130.56 | 3.8 % |
| Q1 2021 | 202.23 | 1.5 % | 132.99 | (9.4 %) | 134.10 | (0.6 %) |
| Q2 2021 | 211.31 | 4.6 % | 140.80 | 2.0 % | 141.81 | 4.5 % |
| Period | Assets | Change | Customer Deposits | Change | Loan | Change |
|---|---|---|---|---|---|---|
| 3m 2012 | 150.48 | 18.9 % | 112.60 | 17.3 % | 97.48 | 16.1 % |
| 6m 2012 | 147.09 | 10.0 % | 108.94 | 9.3 % | 100.52 | 18.0 % |
| 9m 2012 | 154.97 | 18.3 % | 116.85 | 19.5 % | 102.22 | 13.9 % |
| 12m 2012 | 157.78 | 12.3 % | 115.57 | 5.1 % | 102.79 | 11.3 % |
| 3m 2013 | 163.99 | 9.0 % | 119.26 | 5.9 % | 105.81 | 8.6 % |
| 6m 2013 | 165.78 | 12.7 % | 124.58 | 14.3 % | 110.24 | 9.7 % |
| 9m 2013 | 168.04 | 8.4 % | 124.96 | 6.9 % | 112.57 | 10.1 % |
| 12m 2013 | 170.06 | 7.8 % | 131.60 | 13.9 % | 111.31 | 8.3 % |
| 3m 2014 | 184.28 | 12.4 % | 137.91 | 15.6 % | 114.84 | 8.5 % |
| 6m 2014 | 184.31 | 11.2 % | 134.41 | 7.9 % | 117.39 | 6.5 % |
| 9m 2014 | 183.24 | 9.0 % | 131.94 | 5.6 % | 118.22 | 5.0 % |
| 12m 2014 | 188.78 | 11.0 % | 145.28 | 10.4 % | 116.54 | 4.7 % |
| 3m 2015 | 193.88 | 5.2 % | 150.21 | 8.9 % | 120.79 | 5.2 % |
| 6m 2015 | 185.95 | 0.9 % | 142.63 | 6.1 % | 125.04 | 6.5 % |
| 9m 2015 | 184.99 | 1.0 % | 143.95 | 9.1 % | 124.41 | 5.2 % |
| 12m 2015 | 183.72 | (2.7 %) | 141.85 | (2.4 %) | 123.77 | 6.2 % |
| 3m 2016 | 184.02 | (5.1 %) | 141.82 | (5.6 %) | 124.98 | 3.5 % |
| 6m 2016 | 193.91 | 4.3 % | 138.81 | (2.7 %) | 129.64 | 3.7 % |
| 9m 2016 | 195.74 | 5.8 % | 147.28 | 2.3 % | 133.94 | 7.7 % |
| 12m 2016 | 203.43 | 10.7 % | 158.46 | 11.7 % | 129.46 | 4.6 % |
| 3m 2017 | 204.36 | 11.1 % | 158.47 | 11.7 % | 129.09 | 3.3 % |
| 6m 2017 | 205.34 | 5.9 % | 163.90 | 18.1 % | 129.38 | (0.2 %) |
| 9m 2017 | 201.70 | 3.0 % | 155.47 | 5.6 % | 128.95 | (3.7 %) |
| 12m 2017 | 192.93 | (5.2 %) | 150.95 | (4.7 %) | 121.94 | (5.8 %) |
| 3m 2018 | 184.02 | (10.0 %) | 141.94 | (10.4 %) | 123.88 | (4.0 %) |
| 6m 2018 | 188.96 | (8.0 %) | 146.70 | (10.5 %) | 122.81 | (5.1 %) |
| 9m 2018 | 189.34 | (6.1 %) | 146.69 | (5.6 %) | 123.70 | (4.1 %) |
| 12m 2018 | 190.25 | (1.4 %) | 148.37 | (1.7 %) | 120.63 | (1.1 %) |
| 3m 2019 | 190.04 | 3.3 % | 144.82 | 2.0 % | 121.27 | (2.1 %) |
| 6m 2019 | 186.58 | (1.3 %) | 142.23 | (3.1 %) | 124.23 | 1.2 % |
| 9m 2019 | 186.37 | (1.6 %) | 141.90 | (3.3 %) | 123.44 | (0.2 %) |
| 12m 2019 | 178.15 | (6.4 %) | 132.84 | (10.5 %) | 125.73 | 4.2 % |
| 3m 2020 | 199.18 | 4.8 % | 146.77 | 1.3 % | 134.88 | 11.2 % |
| 6m 2020 | 201.95 | 8.2 % | 138.05 | (2.9 %) | 135.75 | 9.3 % |
| 9m 2020 | 197.44 | 5.9 % | 135.65 | (4.4 %) | 134.36 | 8.8 % |
| 12m 2020 | 194.07 | 8.9 % | 127.11 | (4.3 %) | 130.56 | 3.8 % |
| 3m 2021 | 202.23 | 1.5 % | 132.99 | (9.4 %) | 134.10 | (0.6 %) |
| 6m 2021 | 211.31 | 4.6 % | 140.80 | 2.0 % | 141.81 | 4.5 % |
| Period | Assets | Change | Customer Deposits | Change | Loan | Change |
|---|---|---|---|---|---|---|
| 2011 | 140.48 | 14.0 % | 109.96 | 17.6 % | 92.33 | 14.0 % |
| 2012 | 157.78 | 12.3 % | 115.57 | 5.1 % | 102.79 | 11.3 % |
| 2013 | 170.06 | 7.8 % | 131.60 | 13.9 % | 111.31 | 8.3 % |
| 2014 | 188.78 | 11.0 % | 145.28 | 10.4 % | 116.54 | 4.7 % |
| 2015 | 183.72 | (2.7 %) | 141.85 | (2.4 %) | 123.77 | 6.2 % |
| 2016 | 203.43 | 10.7 % | 158.46 | 11.7 % | 129.46 | 4.6 % |
| 2017 | 192.93 | (5.2 %) | 150.95 | (4.7 %) | 121.94 | (5.8 %) |
| 2018 | 190.25 | (1.4 %) | 148.37 | (1.7 %) | 120.63 | (1.1 %) |
| 2019 | 178.15 | (6.4 %) | 132.84 | (10.5 %) | 125.73 | 4.2 % |
| 2020 | 194.07 | 8.9 % | 127.11 | (4.3 %) | 130.56 | 3.8 % |
| Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
|---|---|---|---|
| Q1 2012 | 74.83 % | 64.78 % | 86.57 % |
| Q2 2012 | 74.07 % | 68.34 % | 92.27 % |
| Q3 2012 | 75.40 % | 65.96 % | 87.48 % |
| Q4 2012 | 73.25 % | 65.15 % | 88.94 % |
| Q1 2013 | 72.72 % | 64.52 % | 88.73 % |
| Q2 2013 | 75.14 % | 66.49 % | 88.49 % |
| Q3 2013 | 74.36 % | 66.99 % | 90.09 % |
| Q4 2013 | 77.39 % | 65.45 % | 84.58 % |
| Q1 2014 | 74.84 % | 62.32 % | 83.27 % |
| Q2 2014 | 72.92 % | 63.69 % | 87.34 % |
| Q3 2014 | 72.00 % | 64.52 % | 89.60 % |
| Q4 2014 | 76.96 % | 61.73 % | 80.22 % |
| Q1 2015 | 77.47 % | 62.30 % | 80.42 % |
| Q2 2015 | 76.70 % | 67.24 % | 87.67 % |
| Q3 2015 | 77.82 % | 67.25 % | 86.43 % |
| Q4 2015 | 77.21 % | 67.37 % | 87.25 % |
| Q1 2016 | 77.07 % | 67.92 % | 88.12 % |
| Q2 2016 | 71.58 % | 66.85 % | 93.39 % |
| Q3 2016 | 75.24 % | 68.43 % | 90.94 % |
| Q4 2016 | 77.89 % | 63.64 % | 81.70 % |
| Q1 2017 | 77.54 % | 63.17 % | 81.46 % |
| Q2 2017 | 79.82 % | 63.01 % | 78.94 % |
| Q3 2017 | 77.08 % | 63.93 % | 82.94 % |
| Q4 2017 | 78.24 % | 63.20 % | 80.78 % |
| Q1 2018 | 77.14 % | 67.32 % | 87.28 % |
| Q2 2018 | 77.64 % | 64.99 % | 83.71 % |
| Q3 2018 | 77.48 % | 65.33 % | 84.33 % |
| Q4 2018 | 77.99 % | 63.41 % | 81.31 % |
| Q1 2019 | 76.21 % | 63.82 % | 83.74 % |
| Q2 2019 | 76.23 % | 66.58 % | 87.35 % |
| Q3 2019 | 76.14 % | 66.23 % | 86.99 % |
| Q4 2019 | 74.57 % | 70.57 % | 94.65 % |
| Q1 2020 | 73.69 % | 67.72 % | 91.90 % |
| Q2 2020 | 68.36 % | 67.22 % | 98.34 % |
| Q3 2020 | 68.71 % | 68.05 % | 99.04 % |
| Q4 2020 | 65.50 % | 67.28 % | 102.72 % |
| Q1 2021 | 65.76 % | 66.31 % | 100.84 % |
| Q2 2021 | 66.63 % | 67.11 % | 100.71 % |
| Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
|---|---|---|---|
| 2011 | 78.28 % | 65.72 % | 83.96 % |
| 2012 | 73.25 % | 65.15 % | 88.94 % |
| 2013 | 77.39 % | 65.45 % | 84.58 % |
| 2014 | 76.96 % | 61.73 % | 80.22 % |
| 2015 | 77.21 % | 67.37 % | 87.25 % |
| 2016 | 77.89 % | 63.64 % | 81.70 % |
| 2017 | 78.24 % | 63.20 % | 80.78 % |
| 2018 | 77.99 % | 63.41 % | 81.31 % |
| 2019 | 74.57 % | 70.57 % | 94.65 % |
| 2020 | 65.50 % | 67.28 % | 102.72 % |
| Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
|---|---|---|---|---|---|
| Q1 2012 | 1,205.36 | 2.47 | 2.47 | - | 17.08 |
| Q2 2012 | 1,205.36 | 2.46 | 2.46 | - | 17.71 |
| Q3 2012 | 1,205.36 | 2.38 | 2.38 | - | 18.41 |
| Q4 2012 | 1,205.36 | 2.50 | 2.50 | - | 18.82 |
| Q1 2013 | 1,205.36 | 2.41 | 2.41 | - | 19.38 |
| Q2 2013 | 1,205.36 | 2.42 | 2.42 | - | 19.08 |
| Q3 2013 | 1,205.36 | 2.44 | 2.44 | - | 19.31 |
| Q4 2013 | 1,205.36 | 2.00 | 2.00 | - | 19.26 |
| Q1 2014 | 1,205.36 | 2.14 | 2.14 | - | 20.03 |
| Q2 2014 | 1,205.36 | 2.24 | 2.24 | - | 20.92 |
| Q3 2014 | 1,205.36 | 2.44 | 2.44 | - | 20.94 |
| Q4 2014 | 1,205.36 | 2.92 | 2.92 | 2.92 | 21.96 |
| Q1 2015 | 1,205.36 | 3.08 | 3.08 | 3.08 | 23.28 |
| Q2 2015 | 1,205.36 | 3.19 | 3.19 | 3.19 | 23.19 |
| Q3 2015 | 1,205.36 | 3.27 | 3.27 | 3.27 | 23.53 |
| Q4 2015 | 1,205.36 | 3.35 | 3.35 | 3.35 | 22.80 |
| Q1 2016 | 1,205.36 | 3.37 | 3.37 | 3.37 | 24.10 |
| Q2 2016 | 1,205.36 | 3.40 | 3.40 | 3.40 | 23.76 |
| Q3 2016 | 1,205.36 | 3.39 | 3.39 | 3.39 | 23.61 |
| Q4 2016 | 1,205.36 | 2.91 | 2.91 | 2.91 | 24.64 |
| Q1 2017 | 1,205.36 | 2.93 | 2.93 | 2.94 | 25.53 |
| Q2 2017 | 1,205.36 | 2.90 | 2.90 | 2.91 | 26.24 |
| Q3 2017 | 1,205.36 | 2.89 | 2.89 | 2.90 | 26.18 |
| Q4 2017 | 1,205.36 | 2.93 | 2.93 | 2.94 | 26.27 |
| Q1 2018 | 1,205.36 | 2.89 | 2.80 | 2.95 | 26.29 |
| Q2 2018 | 1,205.36 | 2.75 | 2.67 | 2.81 | 26.67 |
| Q3 2018 | 1,205.36 | 2.70 | 2.62 | 2.77 | 26.45 |
| Q4 2018 | 1,205.36 | 1.16 | 2.34 | 3.35 | 25.60 |
| Q1 2019 | 1,205.36 | 1.05 | 2.31 | 3.18 | 26.75 |
| Q2 2019 | 1,205.36 | 1.02 | 2.28 | 3.15 | 27.05 |
| Q3 2019 | 1,205.36 | 0.97 | 2.22 | 3.09 | 27.06 |
| Q4 2019 | 1,205.36 | 2.58 | 2.58 | 2.59 | 27.33 |
| Q1 2020 | 1,205.36 | 2.39 | 2.39 | 2.40 | 28.16 |
| Q2 2020 | 1,205.36 | 2.09 | 2.09 | 2.09 | 27.94 |
| Q3 2020 | 1,205.36 | 1.63 | 1.63 | 1.64 | 27.94 |
| Q4 2020 | 1,205.36 | 1.28 | 1.28 | 1.24 | 27.91 |
| Q1 2021 | 1,205.36 | 1.36 | 1.36 | 1.29 | 28.37 |
| Q2 2021 | 1,205.36 | 1.64 | 1.64 | 1.52 | 28.42 |
| Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
|---|---|---|---|---|---|
| 2011 | 1,205.36 | 2.42 | 2.42 | - | 16.31 |
| 2012 | 1,205.36 | 2.50 | 2.50 | - | 18.82 |
| 2013 | 1,205.36 | 2.00 | 2.00 | - | 19.26 |
| 2014 | 1,205.36 | 2.92 | 2.92 | 2.92 | 21.96 |
| 2015 | 1,205.36 | 3.35 | 3.35 | 3.35 | 22.80 |
| 2016 | 1,205.36 | 2.91 | 2.91 | 2.91 | 24.64 |
| 2017 | 1,205.36 | 2.93 | 2.93 | 2.94 | 26.27 |
| 2018 | 1,205.36 | 1.16 | 2.34 | 1.17 | 25.60 |
| 2019 | 1,205.36 | 2.58 | 2.58 | 2.60 | 27.33 |
| 2020 | 1,205.36 | 1.28 | 1.28 | 1.24 | 27.91 |
| Period | P/E | Adjusted P/E | Price/book |
|---|---|---|---|
| Q1 2012 | 12.03 | 12.03 | 1.74 |
| Q2 2012 | 10.18 | 10.18 | 1.41 |
| Q3 2012 | 9.80 | 9.80 | 1.27 |
| Q4 2012 | 8.82 | 8.82 | 1.17 |
| Q1 2013 | 9.48 | 9.48 | 1.18 |
| Q2 2013 | 10.05 | 10.05 | 1.27 |
| Q3 2013 | 10.52 | 10.52 | 1.33 |
| Q4 2013 | 13.12 | 13.12 | 1.36 |
| Q1 2014 | 14.21 | 14.21 | 1.52 |
| Q2 2014 | 13.62 | 13.62 | 1.46 |
| Q3 2014 | 15.70 | 15.70 | 1.83 |
| Q4 2014 | 10.73 | 10.73 | 1.43 |
| Q1 2015 | 10.84 | 10.84 | 1.44 |
| Q2 2015 | 10.08 | 10.08 | 1.39 |
| Q3 2015 | 9.17 | 9.17 | 1.27 |
| Q4 2015 | 8.36 | 8.36 | 1.23 |
| Q1 2016 | 7.50 | 7.50 | 1.05 |
| Q2 2016 | 6.60 | 6.60 | 0.94 |
| Q3 2016 | 6.21 | 6.21 | 0.89 |
| Q4 2016 | 8.94 | 8.94 | 1.06 |
| Q1 2017 | 8.81 | 8.81 | 1.01 |
| Q2 2017 | 10.63 | 10.63 | 1.18 |
| Q3 2017 | 10.42 | 10.42 | 1.15 |
| Q4 2017 | 9.73 | 9.73 | 1.09 |
| Q1 2018 | 9.95 | 10.24 | 1.12 |
| Q2 2018 | 12.06 | 12.43 | 1.27 |
| Q3 2018 | 12.04 | 12.41 | 1.26 |
| Q4 2018 | 9.37 | 4.67 | 1.23 |
| Q1 2019 | 11.67 | 5.33 | 1.39 |
| Q2 2019 | 13.19 | 5.93 | 1.54 |
| Q3 2019 | 10.44 | 4.55 | 1.19 |
| Q4 2019 | 14.63 | 14.63 | 1.39 |
| Q1 2020 | 10.77 | 10.77 | 0.92 |
| Q2 2020 | 13.66 | 13.66 | 1.02 |
| Q3 2020 | 19.70 | 19.70 | 1.16 |
| Q4 2020 | 25.48 | 25.48 | 1.13 |
| Q1 2021 | 25.85 | 25.85 | 1.18 |
| Q2 2021 | 25.26 | 25.26 | 1.35 |
| Period | P/E | Adjusted P/E | Price/book |
|---|---|---|---|
| 2011 | 10.46 | 10.46 | 1.55 |
| 2012 | 8.82 | 8.82 | 1.17 |
| 2013 | 13.12 | 13.12 | 1.36 |
| 2014 | 10.73 | 10.73 | 1.43 |
| 2015 | 8.36 | 8.36 | 1.23 |
| 2016 | 8.94 | 8.94 | 1.06 |
| 2017 | 9.73 | 9.73 | 1.09 |
| 2018 | 26.84 | 13.37 | 1.23 |
| 2019 | 14.58 | 14.58 | 1.39 |
| 2020 | 25.48 | 25.48 | 1.13 |
Q2 2021
2021
| Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Investment Banking and Brokerage |
|---|---|---|---|---|
| Q1 2012 | 358.44 | 567.86 | 197.30 | 96.61 |
| Q2 2012 | 363.63 | 590.66 | 233.87 | 94.64 |
| Q3 2012 | 349.45 | 572.22 | 205.98 | 92.59 |
| Q4 2012 | 343.54 | 606.64 | 283.57 | 52.55 |
| Q1 2013 | 356.29 | 629.23 | 149.70 | 69.83 |
| Q2 2013 | 365.86 | 637.15 | 201.95 | 77.68 |
| Q3 2013 | 363.05 | 637.84 | 220.42 | 62.75 |
| Q4 2013 | 365.16 | 614.76 | 234.13 | 66.73 |
| Q1 2014 | 359.17 | 641.86 | 317.26 | 82.88 |
| Q2 2014 | 363.90 | 677.81 | 323.07 | 113.54 |
| Q3 2014 | 358.79 | 710.77 | 327.64 | 89.46 |
| Q4 2014 | 337.63 | 710.37 | 295.37 | 76.51 |
| Q1 2015 | 356.05 | 751.84 | 394.64 | 87.58 |
| Q2 2015 | 384.66 | 783.42 | 310.86 | 99.80 |
| Q3 2015 | 387.40 | 789.72 | 337.51 | 73.65 |
| Q4 2015 | 378.07 | 733.50 | 362.98 | 59.83 |
| Q1 2016 | 388.71 | 788.11 | 404.21 | 63.89 |
| Q2 2016 | 376.51 | 778.41 | 372.61 | 85.35 |
| Q3 2016 | 369.75 | 787.13 | 373.80 | 56.95 |
| Q4 2016 | 356.09 | 749.20 | 380.12 | 68.87 |
| Q1 2017 | 381.68 | 808.87 | 443.31 | 62.71 |
| Q2 2017 | 393.76 | 744.34 | 431.18 | 61.12 |
| Q3 2017 | 403.67 | 719.52 | 440.01 | 66.36 |
| Q4 2017 | 373.70 | 727.85 | 444.55 | 73.59 |
| Q1 2018 | 407.50 | 758.45 | 519.07 | 59.45 |
| Q2 2018 | 407.35 | 751.38 | 424.40 | 82.01 |
| Q3 2018 | 462.47 | 780.06 | 392.81 | 61.04 |
| Q4 2018 | 473.69 | 802.76 | 340.72 | 75.47 |
| Q1 2019 | 459.73 | 780.74 | 404.56 | 77.65 |
| Q2 2019 | 480.12 | 738.08 | 411.06 | 77.17 |
| Q3 2019 | 466.64 | 806.94 | 403.56 | 60.59 |
| Q4 2019 | 478.28 | 734.02 | 415.17 | 78.26 |
| Q1 2020 | 459.26 | 740.72 | 474.75 | 82.22 |
| Q2 2020 | 421.72 | 773.10 | 490.01 | 75.20 |
| Q3 2020 | 473.03 | 715.80 | 473.82 | 88.10 |
| Q4 2020 | 456.72 | 696.80 | 507.10 | 116.25 |
| Q1 2021 | 488.28 | 717.24 | 453.16 | 136.84 |
| Q2 2021 | 485.90 | 715.32 | 444.85 | 107.59 |
| Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Investment Banking and Brokerage |
|---|---|---|---|---|
| 2011 | 1,557.20 | 2,154.33 | 672.17 | 201.08 |
| 2012 | 1,415.05 | 2,337.38 | 920.71 | 336.40 |
| 2013 | 1,450.36 | 2,518.98 | 806.20 | 276.99 |
| 2014 | 1,419.49 | 2,740.81 | 1,263.34 | 362.39 |
| 2015 | 1,506.18 | 3,058.47 | 1,405.99 | 320.86 |
| 2016 | 1,491.06 | 3,102.85 | 1,530.73 | 275.06 |
| 2017 | 1,552.81 | 3,000.58 | 1,759.04 | 263.78 |
| 2018 | 1,751.02 | 3,092.65 | 1,677.01 | 277.97 |
| 2019 | 1,884.77 | 3,059.77 | 1,634.34 | 293.68 |
| 2020 | 1,810.73 | 2,926.42 | 1,945.68 | 361.77 |
| Item | Q2 2021 (e) | Q2 2021 (a) | Change |
|---|---|---|---|
| Average | 784.43 | 769.68 | (1.9 %) |
| Item | Q2 2021 (e) | Q2 2021 (a) | Change |
|---|---|---|---|
| SNB Capital | 805.00 | 769.68 | (4.4) % |
| FAB Securities | 856.00 | 769.68 | (10.1) % |
| OSOOL AND BAKHEET | 874.70 | 769.68 | (12.0) % |
| Riyad Capital | 602.00 | 769.68 | 27.9 % |
| Current | |
| Market Cap (M Riyal) | 42,008.19 |
| Shares Outstanding ((M)) | 1,205.40 |
| EPS ( Riyal) (TTM) | 3.56 |
| EPS Diluted ( Riyal) (TTM) | 3.39 |
| Book Value (BV) ( Riyal) | 30.64 |
| Par Value ( Riyal) | 10.00 |
| Adjusted P/E (Last12) | 9.78 |
| P/E (TTM) | 9.78 |
| Price/book | 1.14 |
| Return on Average Assets (%) (TTM) | 1.7 |
| Return on Average Equity (%) (TTM) | 12.0 |
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