Saudi Investment Bank (SAIB) reported a net profit of SAR 413 million in the first half of 2020, compared to a net loss of SAR 3.3 million in the year-earlier period.
The bank attributed the performance to a reduction in total operating expenses following a decrease in provisions for credit and other losses, general and administrative expenses, rent and premises-related expenses. However, it reported an increase in salaries and employee-related expenses, depreciation and amortization, as well as higher provisions for Zakat and income tax.
SAIB's total operating income increased by 4.8% primarily due to an increase in net special commission income, gains on FVOCI debt securities, exchange income, and dividend income.
| Item | 6m 2019 | 6m 2020 | Change |
|---|---|---|---|
| Net Special Commission Income | 1,141.07 | 1,191.92 | 4.5 % |
| Operating Income | 1,365.29 | 1,431.01 | 4.8 % |
| Total Provisions | (828.22) | (323.67) | 60.9 % |
| Net Income | (3.29) | 412.98 | 12644.9 % |
| Average Shares | 1,250.00 | 1,250.00 | - |
| EPS (Riyals) | 0.00 | 0.33 | 12644.9 % |
In Q2 2020, the bank reported a net profit of SAR 262 million, compared to a net loss of SAR 285 million in the same period last year, due to lower operating expenses despite higher depreciation, amortization, and provisions for Zakat and income tax.
When compared to the previous quarter, Q2 net profit surged by 74.05%.
| Item | Q2 2019 | Q2 2020 | Change |
|---|---|---|---|
| Net Special Commission Income | 560.00 | 609.21 | 8.8 % |
| Operating Income | 663.10 | 713.29 | 7.6 % |
| Debt Provisions | (751.00) | (98.70) | 86.9 % |
| Net Income | (284.74) | 262.26 | 192.1 % |
| Average Shares | 1,250.00 | 1,250.00 | - |
| EPS (Riyals) | (0.23) | 0.21 | 192.1 % |
| Item | Q1 2020 | Q2 2020 | Change |
|---|---|---|---|
| Net Special Commission Income | 582.71 | 609.21 | 4.5 % |
| Operating Income | 717.72 | 713.29 | (0.6 %) |
| Debt Provisions | (224.98) | (98.70) | 56.1 % |
| Net Income | 150.71 | 262.26 | 74.0 % |
| Average Shares | 1,250.00 | 1,250.00 | - |
| EPS (Riyals) | 0.12 | 0.21 | 74.0 % |
| Item | 6m 2019 | 6m 2020 | Change |
|---|---|---|---|
| Assets | 97.96 | 104.62 | 6.8 % |
| Customer Deposits | 66.84 | 64.24 | (3.9 %) |
| Loan | 56.93 | 58.60 | 2.9 % |
| Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change | Net Income | Change | EPS(Riyal) |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2011 | 316.22 | 1.3 % | 414.44 | (8.1 %) | (50.00) | 82.9 % | 207.95 | 896.1 % | 0.17 |
| Q2 2011 | 322.45 | (1.8 %) | 424.81 | (5.3 %) | (58.00) | 76.3 % | 208.22 | 856.8 % | 0.17 |
| Q3 2011 | 300.73 | (14.2 %) | 394.87 | (9.7 %) | (115.00) | 23.3 % | 144.02 | (3.3 %) | 0.12 |
| Q4 2011 | 287.06 | (11.4 %) | 381.76 | (7.4 %) | (65.00) | (30.0 %) | 147.42 | (38.0 %) | 0.12 |
| 2011 | 1,226.46 | (6.7 %) | 1,615.88 | (7.6 %) | (288.00) | 61.0 % | 707.61 | 64.8 % | 0.57 |
| Q1 2012 | 290.66 | (8.1 %) | 458.62 | 10.7 % | (115.00) | (130.0 %) | 212.24 | 2.1 % | 0.17 |
| Q2 2012 | 306.47 | (5.0 %) | 419.40 | (1.3 %) | (70.00) | (20.7 %) | 222.39 | 6.8 % | 0.18 |
| Q3 2012 | 320.57 | 6.6 % | 407.20 | 3.1 % | (45.00) | 60.9 % | 231.80 | 61.0 % | 0.19 |
| Q4 2012 | 324.24 | 13.0 % | 436.39 | 14.3 % | (25.00) | 61.5 % | 245.62 | 66.6 % | 0.20 |
| 2012 | 1,241.93 | 1.3 % | 1,721.60 | 6.5 % | (255.00) | 11.5 % | 912.04 | 28.9 % | 0.73 |
| Q1 2013 | 339.61 | 16.8 % | 505.38 | 10.2 % | (30.00) | 73.9 % | 314.27 | 48.1 % | 0.25 |
| Q2 2013 | 343.41 | 12.1 % | 518.68 | 23.7 % | (30.00) | 57.1 % | 320.40 | 44.1 % | 0.26 |
| Q3 2013 | 346.63 | 8.1 % | 501.41 | 23.1 % | (30.00) | 33.3 % | 325.39 | 40.4 % | 0.26 |
| Q4 2013 | 335.34 | 3.4 % | 491.19 | 12.6 % | (15.00) | 40.0 % | 326.77 | 33.0 % | 0.26 |
| 2013 | 1,364.98 | 9.9 % | 2,016.67 | 17.1 % | (105.00) | 58.8 % | 1,286.83 | 41.1 % | 1.03 |
| Q1 2014 | 354.68 | 4.4 % | 533.35 | 5.5 % | (141.00) | (370.0 %) | 337.47 | 7.4 % | 0.27 |
| Q2 2014 | 371.05 | 8.0 % | 550.75 | 6.2 % | (21.00) | 30.0 % | 352.96 | 10.2 % | 0.28 |
| Q3 2014 | 389.06 | 12.2 % | 576.12 | 14.9 % | (14.00) | 53.3 % | 371.17 | 14.1 % | 0.30 |
| Q4 2014 | 424.77 | 26.7 % | 647.00 | 31.7 % | (45.30) | (202.0 %) | 374.87 | 14.7 % | 0.30 |
| 2014 | 1,539.56 | 12.8 % | 2,307.23 | 14.4 % | (221.30) | (110.8 %) | 1,436.48 | 11.6 % | 1.15 |
| Q1 2015 | 430.57 | 21.4 % | 652.24 | 22.3 % | (23.00) | 83.7 % | 366.70 | 8.7 % | 0.29 |
| Q2 2015 | 430.97 | 16.1 % | 640.48 | 16.3 % | (46.00) | (119.0 %) | 382.57 | 8.4 % | 0.31 |
| Q3 2015 | 441.57 | 13.5 % | 603.17 | 4.7 % | (22.00) | (57.1 %) | 351.43 | (5.3 %) | 0.28 |
| Q4 2015 | 428.08 | 0.8 % | 615.17 | (4.9 %) | (27.00) | 40.4 % | 227.96 | (39.2 %) | 0.18 |
| 2015 | 1,731.19 | 12.4 % | 2,511.06 | 8.8 % | (118.00) | 46.7 % | 1,328.66 | (7.5 %) | 1.06 |
| Q1 2016 | 412.80 | (4.1 %) | 590.74 | (9.4 %) | (118.00) | (413.0 %) | 210.00 | (42.7 %) | 0.17 |
| Q2 2016 | 420.70 | (2.4 %) | 612.19 | (4.4 %) | (58.00) | (26.1 %) | 321.37 | (16.0 %) | 0.26 |
| Q3 2016 | 460.66 | 4.3 % | 633.14 | 5.0 % | (30.00) | (36.4 %) | 219.43 | (37.6 %) | 0.18 |
| Q4 2016 | 377.90 | (11.7 %) | 569.79 | (7.4 %) | (40.00) | (48.1 %) | 302.17 | 32.6 % | 0.24 |
| 2016 | 1,672.06 | (3.4 %) | 2,405.87 | (4.2 %) | (246.00) | (108.5 %) | 1,052.96 | (20.8 %) | 0.84 |
| Q1 2017 | 463.02 | 12.2 % | 624.96 | 5.8 % | (45.00) | 61.9 % | 344.94 | 64.3 % | 0.28 |
| Q2 2017 | 486.44 | 15.6 % | 655.84 | 7.1 % | (74.00) | (27.6 %) | 355.65 | 10.7 % | 0.28 |
| Q3 2017 | 508.96 | 10.5 % | 701.64 | 10.8 % | (63.00) | (110.0 %) | 358.35 | 63.3 % | 0.29 |
| Q4 2017 | 583.65 | 54.4 % | 677.44 | 18.9 % | (31.00) | 22.5 % | 351.86 | 16.4 % | 0.28 |
| 2017 | 2,042.06 | 22.1 % | 2,659.88 | 10.6 % | (213.00) | 13.4 % | 1,410.80 | 34.0 % | 1.13 |
| Q1 2018 | 564.16 | 21.8 % | 686.32 | 9.8 % | (88.55) | (96.8 %) | 346.01 | 0.3 % | 0.28 |
| Q2 2018 | 573.40 | 17.9 % | 671.08 | 2.3 % | (64.21) | 13.2 % | 336.78 | (5.3 %) | 0.27 |
| Q3 2018 | 596.51 | 17.2 % | 700.59 | (0.1 %) | (90.43) | (43.5 %) | 345.73 | (3.5 %) | 0.28 |
| Q4 2018 | 553.66 | (5.1 %) | 654.73 | (3.4 %) | (3.79) | 87.8 % | (452.62) | (228.6 %) | (0.36) |
| 2018 | 2,287.72 | 12.0 % | 2,712.73 | 2.0 % | (246.97) | (15.9 %) | 575.90 | (59.2 %) | 0.46 |
| Q1 2019 | 581.08 | 3.0 % | 702.19 | 2.3 % | (77.22) | 12.8 % | 281.45 | (18.7 %) | 0.23 |
| Q2 2019 | 560.00 | (2.3 %) | 663.10 | (1.2 %) | (751.00) | (1,069.6 %) | (284.74) | (184.5 %) | (0.23) |
| Q3 2019 | 566.13 | (5.1 %) | 739.35 | 5.5 % | (66.15) | 26.9 % | 311.93 | (9.8 %) | 0.25 |
| Q4 2019 | 570.69 | 3.1 % | 713.59 | 9.0 % | (448.28) | (11,724.7 %) | (69.18) | 84.7 % | (0.06) |
| 2019 | 2,277.89 | (0.4 %) | 2,818.23 | 3.9 % | (1,342.64) | (443.6 %) | 239.46 | (58.4 %) | 0.19 |
| Q1 2020 | 582.71 | 0.3 % | 717.72 | 2.2 % | (224.98) | (191.3 %) | 150.71 | (46.5 %) | 0.12 |
| Q2 2020 | 609.21 | 8.8 % | 713.29 | 7.6 % | (98.70) | 86.9 % | 262.26 | 192.1 % | 0.21 |
| Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change | Net Income | Change | EPS(Riyal) |
|---|---|---|---|---|---|---|---|---|---|
| 2010 | 1,314.96 | 29.6 % | 1,749.26 | 15.3 % | (738.00) | (43.4 %) | 429.33 | (17.7 %) | 0.34 |
| 2011 | 1,226.46 | (6.7 %) | 1,615.88 | (7.6 %) | (288.00) | 61.0 % | 707.61 | 64.8 % | 0.57 |
| 2012 | 1,241.93 | 1.3 % | 1,721.60 | 6.5 % | (255.00) | 11.5 % | 912.04 | 28.9 % | 0.73 |
| 2013 | 1,364.98 | 9.9 % | 2,016.67 | 17.1 % | (105.00) | 58.8 % | 1,286.83 | 41.1 % | 1.03 |
| 2014 | 1,539.56 | 12.8 % | 2,307.23 | 14.4 % | (221.30) | (110.8 %) | 1,436.48 | 11.6 % | 1.15 |
| 2015 | 1,731.19 | 12.4 % | 2,511.06 | 8.8 % | (118.00) | 46.7 % | 1,328.66 | (7.5 %) | 1.06 |
| 2016 | 1,672.06 | (3.4 %) | 2,405.87 | (4.2 %) | (246.00) | (108.5 %) | 1,052.96 | (20.8 %) | 0.84 |
| 2017 | 2,042.06 | 22.1 % | 2,659.88 | 10.6 % | (213.00) | 13.4 % | 1,410.80 | 34.0 % | 1.13 |
| 2018 | 2,287.72 | 12.0 % | 2,712.73 | 2.0 % | (246.97) | (15.9 %) | 575.90 | (59.2 %) | 0.46 |
| 2019 | 2,277.89 | (0.4 %) | 2,818.23 | 3.9 % | (1,342.64) | (443.6 %) | 239.46 | (58.4 %) | 0.19 |
| Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
|---|---|---|---|
| Q1 2011 | 1.22 % | 7.76 % | 77.02 % |
| Q2 2011 | 1.61 % | 10.05 % | 77.76 % |
| Q3 2011 | 1.60 % | 9.79 % | 76.75 % |
| Q4 2011 | 1.37 % | 8.49 % | 75.90 % |
| 2011 | 1.37 % | 8.49 % | 75.90 % |
| Q1 2012 | 1.38 % | 8.42 % | 72.34 % |
| Q2 2012 | 1.40 % | 8.47 % | 71.61 % |
| Q3 2012 | 1.54 % | 9.30 % | 72.27 % |
| Q4 2012 | 1.64 % | 10.17 % | 72.14 % |
| 2012 | 1.64 % | 10.17 % | 72.14 % |
| Q1 2013 | 1.76 % | 11.29 % | 73.00 % |
| Q2 2013 | 1.85 % | 12.22 % | 71.10 % |
| Q3 2013 | 1.92 % | 12.71 % | 69.01 % |
| Q4 2013 | 1.84 % | 13.11 % | 67.69 % |
| 2013 | 1.84 % | 13.11 % | 67.69 % |
| Q1 2014 | 1.79 % | 12.91 % | 67.50 % |
| Q2 2014 | 1.74 % | 13.15 % | 67.78 % |
| Q3 2014 | 1.72 % | 12.70 % | 67.40 % |
| Q4 2014 | 1.65 % | 13.00 % | 66.73 % |
| 2014 | 1.65 % | 13.00 % | 66.73 % |
| Q1 2015 | 1.69 % | 12.78 % | 66.59 % |
| Q2 2015 | 1.66 % | 13.05 % | 66.59 % |
| Q3 2015 | 1.63 % | 12.38 % | 67.95 % |
| Q4 2015 | 1.42 % | 11.12 % | 68.94 % |
| 2015 | 1.42 % | 11.12 % | 68.94 % |
| Q1 2016 | 1.25 % | 9.83 % | 69.95 % |
| Q2 2016 | 1.18 % | 9.38 % | 70.34 % |
| Q3 2016 | 1.05 % | 8.12 % | 70.26 % |
| Q4 2016 | 1.13 % | 8.47 % | 69.50 % |
| 2016 | 1.13 % | 8.47 % | 69.50 % |
| Q1 2017 | 1.24 % | 9.49 % | 70.58 % |
| Q2 2017 | 1.27 % | 9.87 % | 71.99 % |
| Q3 2017 | 1.40 % | 10.71 % | 71.95 % |
| Q4 2017 | 1.51 % | 10.72 % | 76.77 % |
| 2017 | 1.51 % | 10.72 % | 76.77 % |
| Q1 2018 | 1.51 % | 10.82 % | 78.76 % |
| Q2 2018 | 1.40 % | 10.81 % | 81.50 % |
| Q3 2018 | 1.42 % | 10.75 % | 84.73 % |
| Q4 2018 | 0.61 % | 4.59 % | 84.33 % |
| 2018 | 0.61 % | 4.59 % | 84.33 % |
| Q1 2019 | 0.55 % | 4.08 % | 84.46 % |
| Q2 2019 | (0.11 %) | (0.91 %) | 84.22 % |
| Q3 2019 | (0.15 %) | (1.18 %) | 81.93 % |
| Q4 2019 | 0.24 % | 2.03 % | 80.83 % |
| 2019 | 0.24 % | 2.03 % | 80.83 % |
| Q1 2020 | 0.11 % | 0.96 % | 80.44 % |
| Q2 2020 | 0.65 % | 5.52 % | 80.75 % |
| Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
|---|---|---|---|
| 2010 | 0.84 % | 5.54 % | 75.17 % |
| 2011 | 1.37 % | 8.49 % | 75.90 % |
| 2012 | 1.64 % | 10.17 % | 72.14 % |
| 2013 | 1.84 % | 13.11 % | 67.69 % |
| 2014 | 1.65 % | 13.00 % | 66.73 % |
| 2015 | 1.42 % | 11.12 % | 68.94 % |
| 2016 | 1.13 % | 8.47 % | 69.50 % |
| 2017 | 1.51 % | 10.72 % | 76.77 % |
| 2018 | 0.61 % | 4.59 % | 84.33 % |
| 2019 | 0.24 % | 2.03 % | 80.83 % |
| Period | Assets | Change | Customer Deposits | Change | Loan | Change |
|---|---|---|---|---|---|---|
| Q1 2011 | 51.22 | 3.5 % | 37.97 | 4.0 % | 30.78 | 0.4 % |
| Q2 2011 | 50.57 | 3.5 % | 36.08 | 0.9 % | 30.63 | 0.3 % |
| Q3 2011 | 50.62 | 2.6 % | 36.65 | 2.9 % | 30.47 | (2.4 %) |
| Q4 2011 | 51.95 | 0.9 % | 36.77 | (1.2 %) | 27.11 | (12.5 %) |
| Q1 2012 | 52.19 | 1.9 % | 36.94 | (2.7 %) | 27.98 | (9.1 %) |
| Q2 2012 | 53.46 | 5.7 % | 38.08 | 5.5 % | 29.79 | (2.7 %) |
| Q3 2012 | 55.05 | 8.7 % | 38.84 | 6.0 % | 31.79 | 4.3 % |
| Q4 2012 | 59.07 | 13.7 % | 40.41 | 9.9 % | 34.05 | 25.6 % |
| Q1 2013 | 63.13 | 21.0 % | 44.04 | 19.2 % | 36.99 | 32.2 % |
| Q2 2013 | 66.66 | 24.7 % | 48.56 | 27.5 % | 40.41 | 35.6 % |
| Q3 2013 | 70.81 | 28.6 % | 51.85 | 33.5 % | 42.73 | 34.4 % |
| Q4 2013 | 80.50 | 36.3 % | 57.04 | 41.2 % | 47.57 | 39.7 % |
| Q1 2014 | 82.86 | 31.3 % | 62.14 | 41.1 % | 52.24 | 41.2 % |
| Q2 2014 | 88.06 | 32.1 % | 67.73 | 39.5 % | 54.77 | 35.5 % |
| Q3 2014 | 90.55 | 27.9 % | 69.68 | 34.4 % | 57.56 | 34.7 % |
| Q4 2014 | 93.63 | 16.3 % | 70.73 | 24.0 % | 57.47 | 20.8 % |
| Q1 2015 | 91.06 | 9.9 % | 69.63 | 12.0 % | 57.32 | 9.7 % |
| Q2 2015 | 92.51 | 5.1 % | 70.48 | 4.1 % | 57.17 | 4.4 % |
| Q3 2015 | 90.27 | (0.3 %) | 66.82 | (4.1 %) | 58.08 | 0.9 % |
| Q4 2015 | 93.58 | (0.1 %) | 70.52 | (0.3 %) | 60.27 | 4.9 % |
| Q1 2016 | 96.39 | 5.9 % | 70.69 | 1.5 % | 61.62 | 7.5 % |
| Q2 2016 | 95.95 | 3.7 % | 68.09 | (3.4 %) | 61.25 | 7.1 % |
| Q3 2016 | 96.18 | 6.5 % | 66.45 | (0.6 %) | 61.29 | 5.5 % |
| Q4 2016 | 93.05 | (0.6 %) | 65.64 | (6.9 %) | 60.25 | 0.0 % |
| Q1 2017 | 95.18 | (1.3 %) | 64.44 | (8.8 %) | 60.29 | (2.2 %) |
| Q2 2017 | 96.88 | 1.0 % | 66.56 | (2.2 %) | 61.63 | 0.6 % |
| Q3 2017 | 98.33 | 2.2 % | 71.06 | 6.9 % | 61.07 | (0.4 %) |
| Q4 2017 | 93.80 | 0.8 % | 66.94 | 2.0 % | 59.59 | (1.1 %) |
| Q1 2018 | 91.53 | (3.8 %) | 61.03 | (5.3 %) | 57.90 | (4.0 %) |
| Q2 2018 | 101.95 | 5.2 % | 71.30 | 7.1 % | 59.33 | (3.7 %) |
| Q3 2018 | 95.45 | (2.9 %) | 64.02 | (9.9 %) | 59.54 | (2.5 %) |
| Q4 2018 | 96.07 | 2.4 % | 63.69 | (4.9 %) | 59.41 | (0.3 %) |
| Q1 2019 | 94.83 | 3.6 % | 63.82 | 4.6 % | 58.18 | 0.5 % |
| Q2 2019 | 97.96 | (3.9 %) | 66.84 | (6.3 %) | 56.93 | (4.1 %) |
| Q3 2019 | 96.30 | 0.9 % | 64.96 | 1.5 % | 57.63 | (3.2 %) |
| Q4 2019 | 100.81 | 4.9 % | 69.06 | 8.4 % | 57.11 | (3.9 %) |
| Q1 2020 | 100.80 | 6.3 % | 67.64 | 6.0 % | 59.88 | 2.9 % |
| Q2 2020 | 104.62 | 6.8 % | 64.24 | (3.9 %) | 58.60 | 2.9 % |
| Period | Assets | Change | Customer Deposits | Change | Loan | Change |
|---|---|---|---|---|---|---|
| 3m 2011 | 51.22 | 3.5 % | 37.97 | 4.0 % | 30.78 | 0.4 % |
| 6m 2011 | 50.57 | 3.5 % | 36.08 | 0.9 % | 30.63 | 0.3 % |
| 9m 2011 | 50.62 | 2.6 % | 36.65 | 2.9 % | 30.47 | (2.4 %) |
| 12m 2011 | 51.95 | 0.9 % | 36.77 | (1.2 %) | 27.11 | (12.5 %) |
| 3m 2012 | 52.19 | 1.9 % | 36.94 | (2.7 %) | 27.98 | (9.1 %) |
| 6m 2012 | 53.46 | 5.7 % | 38.08 | 5.5 % | 29.79 | (2.7 %) |
| 9m 2012 | 55.05 | 8.7 % | 38.84 | 6.0 % | 31.79 | 4.3 % |
| 12m 2012 | 59.07 | 13.7 % | 40.41 | 9.9 % | 34.05 | 25.6 % |
| 3m 2013 | 63.13 | 21.0 % | 44.04 | 19.2 % | 36.99 | 32.2 % |
| 6m 2013 | 66.66 | 24.7 % | 48.56 | 27.5 % | 40.41 | 35.6 % |
| 9m 2013 | 70.81 | 28.6 % | 51.85 | 33.5 % | 42.73 | 34.4 % |
| 12m 2013 | 80.50 | 36.3 % | 57.04 | 41.2 % | 47.57 | 39.7 % |
| 3m 2014 | 82.86 | 31.3 % | 62.14 | 41.1 % | 52.24 | 41.2 % |
| 6m 2014 | 88.06 | 32.1 % | 67.73 | 39.5 % | 54.77 | 35.5 % |
| 9m 2014 | 90.55 | 27.9 % | 69.68 | 34.4 % | 57.56 | 34.7 % |
| 12m 2014 | 93.63 | 16.3 % | 70.73 | 24.0 % | 57.47 | 20.8 % |
| 3m 2015 | 91.06 | 9.9 % | 69.63 | 12.0 % | 57.32 | 9.7 % |
| 6m 2015 | 92.51 | 5.1 % | 70.48 | 4.1 % | 57.17 | 4.4 % |
| 9m 2015 | 90.27 | (0.3 %) | 66.82 | (4.1 %) | 58.08 | 0.9 % |
| 12m 2015 | 93.58 | (0.1 %) | 70.52 | (0.3 %) | 60.27 | 4.9 % |
| 3m 2016 | 96.39 | 5.9 % | 70.69 | 1.5 % | 61.62 | 7.5 % |
| 6m 2016 | 95.95 | 3.7 % | 68.09 | (3.4 %) | 61.25 | 7.1 % |
| 9m 2016 | 96.18 | 6.5 % | 66.45 | (0.6 %) | 61.29 | 5.5 % |
| 12m 2016 | 93.05 | (0.6 %) | 65.64 | (6.9 %) | 60.25 | 0.0 % |
| 3m 2017 | 95.18 | (1.3 %) | 64.44 | (8.8 %) | 60.29 | (2.2 %) |
| 6m 2017 | 96.88 | 1.0 % | 66.56 | (2.2 %) | 61.63 | 0.6 % |
| 9m 2017 | 98.33 | 2.2 % | 71.06 | 6.9 % | 61.07 | (0.4 %) |
| 12m 2017 | 93.80 | 0.8 % | 66.94 | 2.0 % | 59.59 | (1.1 %) |
| 3m 2018 | 91.53 | (3.8 %) | 61.03 | (5.3 %) | 57.90 | (4.0 %) |
| 6m 2018 | 101.95 | 5.2 % | 71.30 | 7.1 % | 59.33 | (3.7 %) |
| 9m 2018 | 95.45 | (2.9 %) | 64.02 | (9.9 %) | 59.54 | (2.5 %) |
| 12m 2018 | 96.07 | 2.4 % | 63.69 | (4.9 %) | 59.41 | (0.3 %) |
| 3m 2019 | 94.83 | 3.6 % | 63.82 | 4.6 % | 58.18 | 0.5 % |
| 6m 2019 | 97.96 | (3.9 %) | 66.84 | (6.3 %) | 56.93 | (4.1 %) |
| 9m 2019 | 96.30 | 0.9 % | 64.96 | 1.5 % | 57.63 | (3.2 %) |
| 12m 2019 | 100.81 | 4.9 % | 69.06 | 8.4 % | 57.11 | (3.9 %) |
| 3m 2020 | 100.80 | 6.3 % | 67.64 | 6.0 % | 59.88 | 2.9 % |
| 6m 2020 | 104.62 | 6.8 % | 64.24 | (3.9 %) | 58.60 | 2.9 % |
| Period | Assets | Change | Customer Deposits | Change | Loan | Change |
|---|---|---|---|---|---|---|
| 2010 | 51.49 | 2.7 % | 37.22 | (2.7 %) | 31.00 | 4.1 % |
| 2011 | 51.95 | 0.9 % | 36.77 | (1.2 %) | 27.11 | (12.5 %) |
| 2012 | 59.07 | 13.7 % | 40.41 | 9.9 % | 34.05 | 25.6 % |
| 2013 | 80.50 | 36.3 % | 57.04 | 41.2 % | 47.57 | 39.7 % |
| 2014 | 93.63 | 16.3 % | 70.73 | 24.0 % | 57.47 | 20.8 % |
| 2015 | 93.58 | (0.1 %) | 70.52 | (0.3 %) | 60.27 | 4.9 % |
| 2016 | 93.05 | (0.6 %) | 65.64 | (6.9 %) | 60.25 | 0.0 % |
| 2017 | 93.80 | 0.8 % | 66.94 | 2.0 % | 59.59 | (1.1 %) |
| 2018 | 96.07 | 2.4 % | 63.69 | (4.9 %) | 59.41 | (0.3 %) |
| 2019 | 100.81 | 4.9 % | 69.06 | 8.4 % | 57.11 | (3.9 %) |
| Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
|---|---|---|---|
| Q1 2011 | 74.14 % | 60.09 % | 81.06 % |
| Q2 2011 | 71.36 % | 60.58 % | 84.90 % |
| Q3 2011 | 72.39 % | 60.19 % | 83.14 % |
| Q4 2011 | 70.79 % | 52.20 % | 73.74 % |
| Q1 2012 | 70.79 % | 53.61 % | 75.74 % |
| Q2 2012 | 71.23 % | 55.73 % | 78.24 % |
| Q3 2012 | 70.55 % | 57.74 % | 81.85 % |
| Q4 2012 | 68.42 % | 57.65 % | 84.26 % |
| Q1 2013 | 69.76 % | 58.59 % | 83.99 % |
| Q2 2013 | 72.85 % | 60.63 % | 83.23 % |
| Q3 2013 | 73.22 % | 60.33 % | 82.40 % |
| Q4 2013 | 70.87 % | 59.09 % | 83.39 % |
| Q1 2014 | 75.00 % | 63.04 % | 84.06 % |
| Q2 2014 | 76.91 % | 62.19 % | 80.86 % |
| Q3 2014 | 76.96 % | 63.57 % | 82.61 % |
| Q4 2014 | 75.55 % | 61.38 % | 81.25 % |
| Q1 2015 | 76.46 % | 62.94 % | 82.32 % |
| Q2 2015 | 76.18 % | 61.80 % | 81.12 % |
| Q3 2015 | 74.02 % | 64.33 % | 86.91 % |
| Q4 2015 | 75.36 % | 64.40 % | 85.47 % |
| Q1 2016 | 73.33 % | 63.92 % | 87.17 % |
| Q2 2016 | 70.96 % | 63.84 % | 89.96 % |
| Q3 2016 | 69.08 % | 63.72 % | 92.24 % |
| Q4 2016 | 70.55 % | 64.75 % | 91.79 % |
| Q1 2017 | 67.70 % | 63.35 % | 93.56 % |
| Q2 2017 | 68.70 % | 63.61 % | 92.59 % |
| Q3 2017 | 72.27 % | 62.10 % | 85.93 % |
| Q4 2017 | 71.37 % | 63.53 % | 89.01 % |
| Q1 2018 | 66.68 % | 63.25 % | 94.86 % |
| Q2 2018 | 69.93 % | 58.19 % | 83.21 % |
| Q3 2018 | 67.07 % | 62.38 % | 93.01 % |
| Q4 2018 | 66.30 % | 61.84 % | 93.28 % |
| Q1 2019 | 67.30 % | 61.35 % | 91.15 % |
| Q2 2019 | 68.23 % | 58.11 % | 85.16 % |
| Q3 2019 | 67.46 % | 59.84 % | 88.71 % |
| Q4 2019 | 68.50 % | 56.65 % | 82.70 % |
| Q1 2020 | 67.10 % | 59.40 % | 88.52 % |
| Q2 2020 | 61.41 % | 56.02 % | 91.22 % |
| Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
|---|---|---|---|
| 2010 | 72.27 % | 60.21 % | 83.30 % |
| 2011 | 70.79 % | 52.20 % | 73.74 % |
| 2012 | 68.42 % | 57.65 % | 84.26 % |
| 2013 | 70.87 % | 59.09 % | 83.39 % |
| 2014 | 75.55 % | 61.38 % | 81.25 % |
| 2015 | 75.36 % | 64.40 % | 85.47 % |
| 2016 | 70.55 % | 64.75 % | 91.79 % |
| 2017 | 71.37 % | 63.53 % | 89.01 % |
| 2018 | 66.30 % | 61.84 % | 93.28 % |
| 2019 | 68.50 % | 56.65 % | 82.70 % |
| Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
|---|---|---|---|---|---|
| Q1 2011 | 1,250.00 | 0.49 | 0.49 | - | 6.62 |
| Q2 2011 | 1,250.00 | 0.64 | 0.64 | - | 6.73 |
| Q3 2011 | 1,250.00 | 0.64 | 0.64 | - | 6.75 |
| Q4 2011 | 1,250.00 | 0.57 | 0.57 | - | 6.85 |
| Q1 2012 | 1,250.00 | 0.57 | 0.57 | - | 6.92 |
| Q2 2012 | 1,250.00 | 0.58 | 0.58 | - | 6.99 |
| Q3 2012 | 1,250.00 | 0.65 | 0.65 | - | 7.26 |
| Q4 2012 | 1,250.00 | 0.73 | 0.73 | - | 7.50 |
| Q1 2013 | 1,250.00 | 0.81 | 0.81 | - | 7.46 |
| Q2 2013 | 1,250.00 | 0.89 | 0.89 | - | 7.57 |
| Q3 2013 | 1,250.00 | 0.96 | 0.96 | - | 7.91 |
| Q4 2013 | 1,250.00 | 1.03 | 1.03 | - | 8.20 |
| Q1 2014 | 1,250.00 | 1.05 | 0.87 | - | 8.78 |
| Q2 2014 | 1,250.00 | 1.07 | 0.89 | - | 8.76 |
| Q3 2014 | 1,250.00 | 1.11 | 0.93 | - | 9.58 |
| Q4 2014 | 1,250.00 | 1.15 | 0.97 | - | 9.48 |
| Q1 2015 | 1,250.00 | 1.17 | 1.17 | - | 9.57 |
| Q2 2015 | 1,250.00 | 1.20 | 1.20 | - | 9.57 |
| Q3 2015 | 1,250.00 | 1.18 | 1.18 | - | 9.50 |
| Q4 2015 | 1,250.00 | 1.06 | 1.06 | - | 9.63 |
| Q1 2016 | 1,250.00 | 0.94 | 0.94 | - | 9.49 |
| Q2 2016 | 1,250.00 | 0.89 | 0.89 | - | 9.37 |
| Q3 2016 | 1,250.00 | 0.78 | 0.78 | - | 9.79 |
| Q4 2016 | 1,250.00 | 0.84 | 0.84 | - | 10.27 |
| Q1 2017 | 1,250.00 | 0.95 | 0.95 | - | 10.53 |
| Q2 2017 | 1,250.00 | 0.98 | 0.98 | - | 10.43 |
| Q3 2017 | 1,250.00 | 1.09 | 1.09 | - | 10.55 |
| Q4 2017 | 1,250.00 | 1.13 | 1.13 | - | 10.80 |
| Q1 2018 | 1,250.00 | 1.13 | 1.13 | - | 10.35 |
| Q2 2018 | 1,250.00 | 1.11 | 1.11 | - | 10.18 |
| Q3 2018 | 1,250.00 | 1.10 | 1.10 | - | 10.00 |
| Q4 2018 | 1,250.00 | 0.46 | 1.06 | - | 9.30 |
| Q1 2019 | 1,250.00 | 0.41 | 1.01 | - | 9.68 |
| Q2 2019 | 1,250.00 | (0.09) | 0.51 | - | 9.20 |
| Q3 2019 | 1,250.00 | (0.12) | 0.49 | - | 9.57 |
| Q4 2019 | 1,250.00 | 0.19 | 0.19 | - | 9.61 |
| Q1 2020 | 1,250.00 | 0.09 | 0.09 | - | 8.39 |
| Q2 2020 | 1,250.00 | 0.52 | 0.52 | - | 9.79 |
| Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
|---|---|---|---|---|---|
| 2010 | 1,250.00 | 0.34 | 0.34 | - | 6.48 |
| 2011 | 1,250.00 | 0.57 | 0.57 | - | 6.85 |
| 2012 | 1,250.00 | 0.73 | 0.73 | - | 7.50 |
| 2013 | 1,250.00 | 1.03 | 1.03 | - | 8.20 |
| 2014 | 1,250.00 | 1.15 | 0.97 | - | 9.48 |
| 2015 | 1,250.00 | 1.06 | 1.06 | - | 9.63 |
| 2016 | 1,250.00 | 0.84 | 0.84 | - | 10.27 |
| 2017 | 1,250.00 | 1.13 | 1.13 | - | 10.80 |
| 2018 | 1,250.00 | 0.46 | 1.06 | - | 9.30 |
| 2019 | 1,250.00 | 0.19 | 0.19 | - | 9.61 |
| Period | P/E | Adjusted P/E | Price/book |
|---|---|---|---|
| Q1 2011 | 19.49 | 19.49 | 1.45 |
| Q2 2011 | 13.95 | 13.95 | 1.33 |
| Q3 2011 | 12.69 | 12.69 | 1.20 |
| Q4 2011 | 13.57 | 13.57 | 1.12 |
| Q1 2012 | 17.54 | 17.54 | 1.44 |
| Q2 2012 | 12.85 | 12.85 | 1.07 |
| Q3 2012 | 11.69 | 11.69 | 1.05 |
| Q4 2012 | 11.80 | 11.80 | 1.15 |
| Q1 2013 | 10.43 | 10.43 | 1.13 |
| Q2 2013 | 11.70 | 11.70 | 1.37 |
| Q3 2013 | 11.69 | 11.69 | 1.42 |
| Q4 2013 | 13.26 | 13.26 | 1.66 |
| Q1 2014 | 13.94 | 16.81 | 1.66 |
| Q2 2014 | 12.42 | 14.91 | 1.52 |
| Q3 2014 | 14.38 | 17.14 | 1.67 |
| Q4 2014 | 11.70 | 13.86 | 1.42 |
| Q1 2015 | 10.61 | 10.61 | 1.30 |
| Q2 2015 | 9.86 | 9.86 | 1.23 |
| Q3 2015 | 8.91 | 8.91 | 1.11 |
| Q4 2015 | 8.41 | 8.41 | 0.93 |
| Q1 2016 | 8.70 | 8.70 | 0.86 |
| Q2 2016 | 8.00 | 8.00 | 0.76 |
| Q3 2016 | 7.29 | 7.29 | 0.58 |
| Q4 2016 | 10.08 | 10.08 | 0.83 |
| Q1 2017 | 8.18 | 8.18 | 0.74 |
| Q2 2017 | 7.99 | 7.99 | 0.75 |
| Q3 2017 | 8.28 | 8.28 | 0.85 |
| Q4 2017 | 8.02 | 8.02 | 0.84 |
| Q1 2018 | 8.23 | 8.23 | 0.90 |
| Q2 2018 | 9.75 | 9.75 | 1.07 |
| Q3 2018 | 10.05 | 10.05 | 1.11 |
| Q4 2018 | 22.31 | 9.69 | 1.11 |
| Q1 2019 | 27.50 | 11.14 | 1.16 |
| Q2 2019 | NEG | 22.45 | 1.25 |
| Q3 2019 | NEG | 19.50 | 0.99 |
| Q4 2019 | More than 100 | More than 100 | 1.13 |
| Q1 2020 | More than 100 | More than 100 | 0.89 |
| Q2 2020 | 14.92 | 14.92 | 0.80 |
| Period | P/E | Adjusted P/E | Price/book |
|---|---|---|---|
| 2010 | 24.92 | 24.92 | 1.32 |
| 2011 | 13.57 | 13.57 | 1.12 |
| 2012 | 11.80 | 11.80 | 1.15 |
| 2013 | 13.26 | 13.26 | 1.66 |
| 2014 | 11.70 | 13.86 | 1.42 |
| 2015 | 8.41 | 8.41 | 0.93 |
| 2016 | 10.08 | 10.08 | 0.83 |
| 2017 | 8.02 | 8.02 | 0.84 |
| 2018 | 22.31 | 9.69 | 1.11 |
| 2019 | More than 100 | More than 100 | 1.13 |
Q2 2020
2020
| Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Brokerage and Asset Management | Joint Projects | Used car sales |
|---|---|---|---|---|---|---|
| Q1 2011 | 153.32 | 152.78 | 84.60 | 23.74 | - | - |
| Q2 2011 | 167.24 | 155.90 | 78.31 | 23.36 | - | - |
| Q3 2011 | 165.01 | 153.49 | 58.08 | 18.29 | - | - |
| Q4 2011 | 160.50 | 141.49 | 57.43 | 22.34 | - | - |
| Q1 2012 | 163.47 | 187.96 | 79.05 | 28.15 | - | - |
| Q2 2012 | 170.50 | 153.23 | 72.13 | 23.54 | - | - |
| Q3 2012 | 182.17 | 122.01 | 84.83 | 18.19 | - | - |
| Q4 2012 | 171.57 | 157.40 | 88.43 | 18.99 | - | - |
| Q1 2013 | 174.07 | 154.75 | 143.85 | 32.71 | - | - |
| Q2 2013 | 154.10 | 171.26 | 169.87 | 23.44 | - | - |
| Q3 2013 | 188.69 | 117.81 | 173.46 | 21.46 | - | - |
| Q4 2013 | 161.33 | 161.54 | 146.73 | 21.60 | - | - |
| Q1 2014 | 186.89 | 196.13 | 342.87 | 31.42 | - | - |
| Q2 2014 | 218.89 | 198.35 | 98.34 | 35.18 | - | - |
| Q3 2014 | 222.61 | 196.14 | 123.01 | 34.37 | - | - |
| Q4 2014 | 294.50 | 237.12 | 84.60 | 30.78 | - | - |
| Q1 2015 | 221.00 | 259.25 | 140.23 | 38.90 | 2.14 | (9.28) |
| Q2 2015 | 185.47 | 306.77 | 131.29 | 34.83 | (6.63) | (11.25) |
| Q3 2015 | 261.74 | 220.97 | 230.40 | 24.55 | (1.83) | (132.66) |
| Q4 2015 | 240.10 | 172.33 | 260.22 | 22.59 | (4.09) | (75.97) |
| Q1 2016 | 234.59 | 154.29 | 229.81 | 22.08 | (10.90) | (39.12) |
| Q2 2016 | 309.09 | 306.12 | 57.15 | 21.02 | (13.03) | (68.16) |
| Q3 2016 | 275.32 | 323.22 | 131.85 | 18.63 | (15.62) | (100.27) |
| Q4 2016 | 183.70 | 330.18 | 101.96 | 26.32 | (15.41) | (56.96) |
| Q1 2017 | 262.95 | 282.64 | 97.03 | 27.53 | - | (45.19) |
| Q2 2017 | 274.68 | 266.84 | 160.26 | 17.35 | - | (63.28) |
| Q3 2017 | 415.47 | 269.68 | 33.74 | 18.20 | - | (35.44) |
| Q4 2017 | 218.31 | 251.89 | 171.57 | 23.20 | - | 12.48 |
| Q1 2018 | 256.17 | 286.34 | 172.58 | 26.04 | - | (54.81) |
| Q2 2018 | 283.77 | 296.45 | 222.21 | 21.98 | - | (153.32) |
| Q3 2018 | 293.95 | 217.68 | 125.53 | 17.18 | - | 46.25 |
| Q4 2018 | 423.85 | 323.97 | (92.49) | 17.57 | - | (18.16) |
| Q1 2019 | 202.88 | 328.29 | 201.57 | 17.64 | - | (48.19) |
| Q2 2019 | 187.95 | 318.05 | 171.84 | 21.55 | - | (36.28) |
| Q3 2019 | 196.85 | 355.42 | 209.49 | 38.99 | - | (61.39) |
| Q4 2019 | 175.63 | 360.63 | 143.54 | 27.14 | - | 6.65 |
| Q1 2020 | 208.37 | 325.20 | 223.11 | 29.03 | - | (67.98) |
| Q2 2020 | 310.69 | 260.25 | 153.19 | 33.87 | - | (44.70) |
| Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Brokerage and Asset Management | Joint Projects | Used car sales |
|---|---|---|---|---|---|---|
| 2010 | 698.99 | 656.04 | 295.49 | 98.75 | - | - |
| 2011 | 646.06 | 603.67 | 278.42 | 87.73 | - | - |
| 2012 | 687.71 | 620.59 | 324.44 | 88.87 | - | - |
| 2013 | 678.19 | 605.35 | 633.91 | 99.21 | - | - |
| 2014 | 922.89 | 827.74 | 648.82 | 131.73 | - | - |
| 2015 | 908.31 | 959.33 | 762.14 | 120.86 | (10.42) | (229.16) |
| 2016 | 1,002.71 | 1,113.80 | 520.77 | 88.05 | (54.95) | (264.51) |
| 2017 | 1,171.41 | 1,071.04 | 462.60 | 86.27 | - | (131.44) |
| 2018 | 1,257.74 | 1,124.44 | 427.82 | 82.77 | - | (180.04) |
| 2019 | 763.30 | 1,362.38 | 726.44 | 105.32 | - | (139.20) |
| Current | |
| Market Cap (M Riyal) | 16,175.00 |
| Shares Outstanding ((M)) | 1,250.00 |
| EPS ( Riyal) (TTM) | 1.44 |
| EPS Diluted ( Riyal) (TTM) | 1.46 |
| Book Value (BV) ( Riyal) | 11.65 |
| Par Value ( Riyal) | 10.00 |
| Adjusted P/E (Last12) | 9.01 |
| P/E (TTM) | 9.01 |
| Price/book | 1.11 |
| Return on Average Assets (%) (TTM) | 1.4 |
| Return on Average Equity (%) (TTM) | 12.5 |
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