Saudi British Bank (SABB) has reported a net profit of SAR 3.29 billion for the first nine months of 2016, 3.07 percent lower year-on-year on an 11 percent increase in gross operating expenses, attributed to higher loan loss provisions, as well as G&A expenses.
| Item | 9m 2015 | 9m 2016 | Change |
|---|---|---|---|
| Net Special Commission Income | 3,177.53 | 3,520.86 | 10.8 % |
| Operating Income | 5,081.42 | 5,243.96 | 3.2 % |
| Total Provisions | (316.64) | (437.78) | (38.3 %) |
| Net Income | 3,392.01 | 3,288.15 | (3.1 %) |
| Average Shares | 1,500.00 | 1,500.00 | - |
| EPS (Riyals) | 2.26 | 2.19 | (3.1 %) |
The bank’s net profit for third quarter fell 12.7 percent YoY to SAR 995 million, impacted by a 23.3 percent rise in gross operating expenses, higher provisions, and general expenses. The profit for the period was 13.55 percent lower compared to the previous quarter due to a 14.2 percent jump in gross operating expenses. Gross operating income for the period also fell by by 4.2 percent on lower income from fees and commissions.
| Item | Q3 2015 | Q3 2016 | Change |
|---|---|---|---|
| Net Special Commission Income | 1,079.01 | 1,222.36 | 13.3 % |
| Operating Income | 1,689.26 | 1,687.30 | (0.1 %) |
| Debt Provisions | (88.00) | (189.53) | (115.4 %) |
| Net Income | 1,139.56 | 994.82 | (12.7 %) |
| Average Shares | 1,500.00 | 1,500.00 | - |
| EPS (Riyals) | 0.76 | 0.66 | (12.7 %) |
| Item | Q2 2016 | Q3 2016 | Change |
|---|---|---|---|
| Net Special Commission Income | 1,181.84 | 1,222.36 | 3.4 % |
| Operating Income | 1,761.11 | 1,687.30 | (4.2 %) |
| Debt Provisions | (103.29) | (189.53) | (83.5 %) |
| Net Income | 1,151.65 | 994.82 | (13.6 %) |
| Average Shares | 1,500.00 | 1,500.00 | - |
| EPS (Riyals) | 0.77 | 0.66 | (13.6 %) |
| Item | 9m 2015 | 9m 2016 | Change |
|---|---|---|---|
| Assets | 197.20 | 185.90 | (5.7 %) |
| Customer Deposits | 155.85 | 144.08 | (7.6 %) |
| Loan | 129.57 | 125.87 | (2.9 %) |
| Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change | Net Income | Change | EPS(Riyal) |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2007 | 711.24 | 21.3 % | 1,027.88 | (27.7 %) | (100.13) | (110.0 %) | 616.31 | (37.5 %) | 0.41 |
| Q2 2007 | 740.88 | 16.3 % | 1,026.98 | (14.9 %) | (88.40) | (140.9 %) | 634.94 | (22.8 %) | 0.42 |
| Q3 2007 | 783.03 | 16.8 % | 1,100.04 | 12.6 % | (103.28) | (140.9 %) | 650.86 | 0.8 % | 0.43 |
| Q4 2007 | 823.55 | 19.3 % | 1,219.05 | 20.5 % | (104.45) | (7.3 %) | 704.83 | 20.4 % | 0.47 |
| 2007 | 3,058.70 | 18.4 % | 4,373.95 | (5.3 %) | (396.26) | (76.5 %) | 2,606.94 | (14.3 %) | 1.74 |
| Q1 2008 | 854.42 | 20.1 % | 1,191.39 | 15.9 % | (75.20) | 24.9 % | 757.01 | 22.8 % | 0.50 |
| Q2 2008 | 818.45 | 10.5 % | 1,330.34 | 29.5 % | (109.86) | (24.3 %) | 795.05 | 25.2 % | 0.53 |
| Q3 2008 | 755.46 | (3.5 %) | 1,177.59 | 7.0 % | (91.77) | 11.1 % | 711.14 | 9.3 % | 0.47 |
| Q4 2008 | 778.72 | (5.4 %) | 1,212.21 | (0.6 %) | (94.45) | 9.6 % | 656.82 | (6.8 %) | 0.44 |
| 2008 | 3,207.04 | 4.9 % | 4,911.53 | 12.3 % | (371.28) | 6.3 % | 2,920.02 | 12.0 % | 1.95 |
| Q1 2009 | 880.93 | 3.1 % | 1,286.25 | 8.0 % | (116.29) | (54.6 %) | 759.95 | 0.4 % | 0.51 |
| Q2 2009 | 894.07 | 9.2 % | 1,382.89 | 4.0 % | (314.37) | (186.2 %) | 675.99 | (15.0 %) | 0.45 |
| Q3 2009 | 854.14 | 13.1 % | 1,304.49 | 10.8 % | (351.54) | (283.1 %) | 570.46 | (19.8 %) | 0.38 |
| Q4 2009 | 807.61 | 3.7 % | 1,186.65 | (2.1 %) | (714.28) | (656.3 %) | 25.88 | (96.1 %) | 0.02 |
| 2009 | 3,436.74 | 7.2 % | 5,160.28 | 5.1 % | (1,496.48) | (303.1 %) | 2,032.28 | (30.4 %) | 1.35 |
| Q1 2010 | 770.14 | (12.6 %) | 1,205.11 | (6.3 %) | (176.47) | (51.7 %) | 620.81 | (18.3 %) | 0.41 |
| Q2 2010 | 942.85 | 5.5 % | 1,359.78 | (1.7 %) | (504.02) | (60.3 %) | 446.77 | (33.9 %) | 0.30 |
| Q3 2010 | 799.77 | (6.4 %) | 1,158.18 | (11.2 %) | (324.48) | 7.7 % | 418.94 | (26.6 %) | 0.28 |
| Q4 2010 | 730.28 | (9.6 %) | 1,116.35 | (5.9 %) | (238.11) | 66.7 % | 396.64 | 1432.7 % | 0.26 |
| 2010 | 3,243.04 | (5.6 %) | 4,839.42 | (6.2 %) | (1,243.08) | 16.9 % | 1,883.15 | (7.3 %) | 1.26 |
| Q1 2011 | 725.68 | (5.8 %) | 1,219.51 | 1.2 % | (67.24) | 61.9 % | 751.42 | 21.0 % | 0.50 |
| Q2 2011 | 778.89 | (17.4 %) | 1,347.80 | (0.9 %) | (124.49) | 75.3 % | 851.57 | 90.6 % | 0.57 |
| Q3 2011 | 786.97 | (1.6 %) | 1,209.52 | 4.4 % | (195.38) | 39.8 % | 630.16 | 50.4 % | 0.42 |
| Q4 2011 | 730.44 | 0.0 % | 1,121.78 | 0.5 % | (81.68) | 65.7 % | 655.28 | 65.2 % | 0.44 |
| 2011 | 3,021.98 | (6.8 %) | 4,898.59 | 1.2 % | (468.79) | 62.3 % | 2,888.44 | 53.4 % | 1.93 |
| Q1 2012 | 775.03 | 6.8 % | 1,235.04 | 1.3 % | (36.46) | 45.8 % | 854.19 | 13.7 % | 0.57 |
| Q2 2012 | 826.65 | 6.1 % | 1,377.72 | 2.2 % | (114.21) | 8.3 % | 914.98 | 7.4 % | 0.61 |
| Q3 2012 | 841.66 | 7.0 % | 1,325.49 | 9.6 % | (287.71) | (47.3 %) | 655.74 | 4.1 % | 0.44 |
| Q4 2012 | 820.75 | 12.4 % | 1,228.22 | 9.5 % | (0.58) | 99.3 % | 815.39 | 24.4 % | 0.54 |
| 2012 | 3,264.10 | 8.0 % | 5,166.48 | 5.5 % | (438.96) | 6.4 % | 3,240.31 | 12.2 % | 2.16 |
| Q1 2013 | 885.23 | 14.2 % | 1,437.55 | 16.4 % | (104.57) | (186.8 %) | 947.86 | 11.0 % | 0.63 |
| Q2 2013 | 938.92 | 13.6 % | 1,501.66 | 9.0 % | (105.81) | 7.4 % | 1,004.67 | 9.8 % | 0.67 |
| Q3 2013 | 949.92 | 12.9 % | 1,474.03 | 11.2 % | (214.80) | 25.3 % | 845.78 | 29.0 % | 0.56 |
| Q4 2013 | 945.22 | 15.2 % | 1,400.43 | 14.0 % | 51.01 | 8955.9 % | 975.51 | 19.6 % | 0.65 |
| 2013 | 3,719.30 | 13.9 % | 5,813.67 | 12.5 % | (374.18) | 14.8 % | 3,773.81 | 16.5 % | 2.52 |
| Q1 2014 | 960.58 | 8.5 % | 1,620.94 | 12.8 % | (117.59) | (12.4 %) | 1,080.53 | 14.0 % | 0.72 |
| Q2 2014 | 1,008.65 | 7.4 % | 1,663.75 | 10.8 % | (81.37) | 23.1 % | 1,157.23 | 15.2 % | 0.77 |
| Q3 2014 | 1,029.46 | 8.4 % | 1,654.60 | 12.3 % | (157.78) | 26.5 % | 1,058.96 | 25.2 % | 0.71 |
| Q4 2014 | 1,063.92 | 12.6 % | 1,562.92 | 11.6 % | (93.07) | (282.4 %) | 969.35 | (0.6 %) | 0.65 |
| 2014 | 4,062.61 | 9.2 % | 6,502.21 | 11.8 % | (449.81) | (20.2 %) | 4,266.06 | 13.0 % | 2.84 |
| Q1 2015 | 1,031.46 | 7.4 % | 1,717.18 | 5.9 % | (115.59) | 1.7 % | 1,115.19 | 3.2 % | 0.74 |
| Q2 2015 | 1,067.05 | 5.8 % | 1,674.98 | 0.7 % | (113.05) | (38.9 %) | 1,137.26 | (1.7 %) | 0.76 |
| Q3 2015 | 1,079.01 | 4.8 % | 1,689.26 | 2.1 % | (88.00) | 44.2 % | 1,139.56 | 7.6 % | 0.76 |
| Q4 2015 | 1,076.35 | 1.2 % | 1,549.21 | (0.9 %) | (113.08) | (21.5 %) | 938.54 | (3.2 %) | 0.63 |
| 2015 | 4,253.88 | 4.7 % | 6,630.63 | 2.0 % | (429.72) | 4.5 % | 4,330.55 | 1.5 % | 2.89 |
| Q1 2016 | 1,116.67 | 8.3 % | 1,795.56 | 4.6 % | (144.97) | (25.4 %) | 1,141.68 | 2.4 % | 0.76 |
| Q2 2016 | 1,181.84 | 10.8 % | 1,761.11 | 5.1 % | (103.29) | 8.6 % | 1,151.65 | 1.3 % | 0.77 |
| Q3 2016 | 1,222.36 | 13.3 % | 1,687.30 | (0.1 %) | (189.53) | (115.4 %) | 994.82 | (12.7 %) | 0.66 |
| Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change | Net Income | Change | EPS(Riyal) |
|---|---|---|---|---|---|---|---|---|---|
| 2006 | 2,583.82 | 30.9 % | 4,616.69 | 20.8 % | (224.56) | (108.4 %) | 3,040.28 | 21.4 % | 2.03 |
| 2007 | 3,058.70 | 18.4 % | 4,373.95 | (5.3 %) | (396.26) | (76.5 %) | 2,606.94 | (14.3 %) | 1.74 |
| 2008 | 3,207.04 | 4.9 % | 4,911.53 | 12.3 % | (371.28) | 6.3 % | 2,920.02 | 12.0 % | 1.95 |
| 2009 | 3,436.74 | 7.2 % | 5,160.28 | 5.1 % | (1,496.48) | (303.1 %) | 2,032.28 | (30.4 %) | 1.35 |
| 2010 | 3,243.04 | (5.6 %) | 4,839.42 | (6.2 %) | (1,243.08) | 16.9 % | 1,883.15 | (7.3 %) | 1.26 |
| 2011 | 3,021.98 | (6.8 %) | 4,898.59 | 1.2 % | (468.79) | 62.3 % | 2,888.44 | 53.4 % | 1.93 |
| 2012 | 3,264.10 | 8.0 % | 5,166.48 | 5.5 % | (438.96) | 6.4 % | 3,240.31 | 12.2 % | 2.16 |
| 2013 | 3,719.30 | 13.9 % | 5,813.67 | 12.5 % | (374.18) | 14.8 % | 3,773.81 | 16.5 % | 2.52 |
| 2014 | 4,062.61 | 9.2 % | 6,502.21 | 11.8 % | (449.81) | (20.2 %) | 4,266.06 | 13.0 % | 2.84 |
| 2015 | 4,253.88 | 4.7 % | 6,630.63 | 2.0 % | (429.72) | 4.5 % | 4,330.55 | 1.5 % | 2.89 |
| Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
|---|---|---|---|
| Q1 2007 | 3.49 % | 30.97 % | 64.13 % |
| Q2 2007 | 3.14 % | 26.78 % | 69.56 % |
| Q3 2007 | 2.98 % | 26.82 % | 70.20 % |
| Q4 2007 | 2.97 % | 26.29 % | 69.93 % |
| 2007 | 2.97 % | 26.29 % | 69.93 % |
| Q1 2008 | 2.96 % | 28.29 % | 70.57 % |
| Q2 2008 | 2.75 % | 28.25 % | 67.75 % |
| Q3 2008 | 2.67 % | 28.77 % | 66.12 % |
| Q4 2008 | 2.54 % | 26.47 % | 65.30 % |
| 2008 | 2.54 % | 26.47 % | 65.30 % |
| Q1 2009 | 2.45 % | 25.61 % | 64.59 % |
| Q2 2009 | 2.26 % | 23.34 % | 65.41 % |
| Q3 2009 | 2.08 % | 22.13 % | 65.71 % |
| Q4 2009 | 1.57 % | 16.47 % | 66.60 % |
| 2009 | 1.57 % | 16.47 % | 66.60 % |
| Q1 2010 | 1.50 % | 14.44 % | 65.48 % |
| Q2 2010 | 1.37 % | 12.18 % | 66.75 % |
| Q3 2010 | 1.25 % | 10.83 % | 67.63 % |
| Q4 2010 | 1.49 % | 13.35 % | 67.01 % |
| 2010 | 1.49 % | 13.35 % | 67.01 % |
| Q1 2011 | 1.63 % | 13.91 % | 65.90 % |
| Q2 2011 | 1.94 % | 16.02 % | 62.68 % |
| Q3 2011 | 2.10 % | 16.82 % | 61.76 % |
| Q4 2011 | 2.19 % | 17.86 % | 61.69 % |
| 2011 | 2.19 % | 17.86 % | 61.69 % |
| Q1 2012 | 2.22 % | 18.18 % | 62.50 % |
| Q2 2012 | 2.17 % | 17.74 % | 63.09 % |
| Q3 2012 | 2.14 % | 17.28 % | 62.72 % |
| Q4 2012 | 2.19 % | 17.41 % | 63.18 % |
| 2012 | 2.19 % | 17.41 % | 63.18 % |
| Q1 2013 | 2.20 % | 17.68 % | 62.85 % |
| Q2 2013 | 2.18 % | 17.36 % | 63.47 % |
| Q3 2013 | 2.24 % | 17.58 % | 63.72 % |
| Q4 2013 | 2.26 % | 17.59 % | 63.98 % |
| 2013 | 2.26 % | 17.59 % | 63.98 % |
| Q1 2014 | 2.34 % | 18.15 % | 63.28 % |
| Q2 2014 | 2.41 % | 17.99 % | 62.74 % |
| Q3 2014 | 2.45 % | 18.06 % | 62.21 % |
| Q4 2014 | 2.34 % | 17.45 % | 62.48 % |
| 2014 | 2.34 % | 17.45 % | 62.48 % |
| Q1 2015 | 2.35 % | 17.51 % | 62.64 % |
| Q2 2015 | 2.33 % | 16.66 % | 63.42 % |
| Q3 2015 | 2.29 % | 16.52 % | 63.84 % |
| Q4 2015 | 2.31 % | 15.97 % | 64.15 % |
| 2015 | 2.31 % | 15.97 % | 64.15 % |
| Q1 2016 | 2.28 % | 15.92 % | 64.68 % |
| Q2 2016 | 2.28 % | 15.32 % | 65.54 % |
| Q3 2016 | 2.21 % | 14.69 % | 67.67 % |
| Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
|---|---|---|---|
| 2006 | 4.25 % | 35.98 % | 55.97 % |
| 2007 | 2.97 % | 26.29 % | 69.93 % |
| 2008 | 2.54 % | 26.47 % | 65.30 % |
| 2009 | 1.57 % | 16.47 % | 66.60 % |
| 2010 | 1.49 % | 13.35 % | 67.01 % |
| 2011 | 2.19 % | 17.86 % | 61.69 % |
| 2012 | 2.19 % | 17.41 % | 63.18 % |
| 2013 | 2.26 % | 17.59 % | 63.98 % |
| 2014 | 2.34 % | 17.45 % | 62.48 % |
| 2015 | 2.31 % | 15.97 % | 64.15 % |
| Period | Assets | Change | Customer Deposits | Change | Loan | Change |
|---|---|---|---|---|---|---|
| Q1 2007 | 79.53 | 8.0 % | 59.83 | 9.7 % | 42.75 | 8.2 % |
| Q2 2007 | 85.11 | 16.9 % | 65.23 | 18.4 % | 48.62 | 24.3 % |
| Q3 2007 | 89.58 | 15.9 % | 70.29 | 17.8 % | 54.19 | 31.6 % |
| Q4 2007 | 98.21 | 27.2 % | 71.85 | 21.2 % | 62.00 | 46.1 % |
| Q1 2008 | 106.41 | 33.8 % | 78.41 | 31.0 % | 66.62 | 55.8 % |
| Q2 2008 | 126.15 | 48.2 % | 89.09 | 36.6 % | 77.54 | 59.5 % |
| Q3 2008 | 132.62 | 48.1 % | 95.73 | 36.2 % | 83.58 | 54.2 % |
| Q4 2008 | 131.66 | 34.1 % | 92.68 | 29.0 % | 80.24 | 29.4 % |
| Q1 2009 | 132.57 | 24.6 % | 96.63 | 23.2 % | 79.31 | 19.0 % |
| Q2 2009 | 121.96 | (3.3 %) | 91.54 | 2.7 % | 78.72 | 1.5 % |
| Q3 2009 | 123.91 | (6.6 %) | 89.25 | (6.8 %) | 78.83 | (5.7 %) |
| Q4 2009 | 126.84 | (3.7 %) | 89.19 | (3.8 %) | 76.38 | (4.8 %) |
| Q1 2010 | 120.53 | (9.1 %) | 90.02 | (6.8 %) | 75.70 | (4.6 %) |
| Q2 2010 | 120.31 | (1.4 %) | 94.16 | 2.9 % | 74.75 | (5.0 %) |
| Q3 2010 | 118.35 | (4.5 %) | 90.67 | 1.6 % | 74.69 | (5.3 %) |
| Q4 2010 | 125.37 | (1.2 %) | 94.67 | 6.2 % | 74.25 | (2.8 %) |
| Q1 2011 | 126.01 | 4.5 % | 96.87 | 7.6 % | 76.24 | 0.7 % |
| Q2 2011 | 129.54 | 7.7 % | 99.15 | 5.3 % | 79.82 | 6.8 % |
| Q3 2011 | 131.93 | 11.5 % | 100.75 | 11.1 % | 82.35 | 10.3 % |
| Q4 2011 | 138.66 | 10.6 % | 105.58 | 11.5 % | 84.81 | 14.2 % |
| Q1 2012 | 144.05 | 14.3 % | 111.62 | 15.2 % | 91.19 | 19.6 % |
| Q2 2012 | 151.90 | 17.3 % | 117.58 | 18.6 % | 94.74 | 18.7 % |
| Q3 2012 | 156.24 | 18.4 % | 119.70 | 18.8 % | 97.80 | 18.8 % |
| Q4 2012 | 156.65 | 13.0 % | 120.43 | 14.1 % | 96.10 | 13.3 % |
| Q1 2013 | 158.79 | 10.2 % | 122.07 | 9.4 % | 101.18 | 11.0 % |
| Q2 2013 | 161.94 | 6.6 % | 125.89 | 7.1 % | 106.00 | 11.9 % |
| Q3 2013 | 166.28 | 6.4 % | 129.92 | 8.5 % | 107.83 | 10.3 % |
| Q4 2013 | 177.30 | 13.2 % | 138.96 | 15.4 % | 106.11 | 10.4 % |
| Q1 2014 | 175.42 | 10.5 % | 136.98 | 12.2 % | 109.90 | 8.6 % |
| Q2 2014 | 175.47 | 8.4 % | 138.30 | 9.9 % | 112.71 | 6.3 % |
| Q3 2014 | 182.96 | 10.0 % | 143.69 | 10.6 % | 116.67 | 8.2 % |
| Q4 2014 | 187.61 | 5.8 % | 145.87 | 5.0 % | 115.22 | 8.6 % |
| Q1 2015 | 190.16 | 8.4 % | 149.00 | 8.8 % | 120.43 | 9.6 % |
| Q2 2015 | 192.33 | 9.6 % | 151.10 | 9.3 % | 126.96 | 12.6 % |
| Q3 2015 | 197.20 | 7.8 % | 155.85 | 8.5 % | 129.57 | 11.1 % |
| Q4 2015 | 187.75 | 0.1 % | 148.89 | 2.1 % | 125.95 | 9.3 % |
| Q1 2016 | 191.79 | 0.9 % | 151.88 | 1.9 % | 130.56 | 8.4 % |
| Q2 2016 | 191.87 | (0.2 %) | 150.27 | (0.6 %) | 131.10 | 3.3 % |
| Q3 2016 | 185.90 | (5.7 %) | 144.08 | (7.5 %) | 125.87 | (2.9 %) |
| Period | Assets | Change | Customer Deposits | Change | Loan | Change |
|---|---|---|---|---|---|---|
| 3m 2007 | 79.53 | 8.0 % | 59.83 | 9.7 % | 42.75 | 8.2 % |
| 6m 2007 | 85.11 | 16.9 % | 65.23 | 18.4 % | 48.62 | 24.3 % |
| 9m 2007 | 89.58 | 15.9 % | 70.29 | 17.8 % | 54.19 | 31.6 % |
| 12m 2007 | 98.21 | 27.2 % | 71.85 | 21.2 % | 62.00 | 46.1 % |
| 3m 2008 | 106.41 | 33.8 % | 78.41 | 31.0 % | 66.62 | 55.8 % |
| 6m 2008 | 126.15 | 48.2 % | 89.09 | 36.6 % | 77.54 | 59.5 % |
| 9m 2008 | 132.62 | 48.1 % | 95.73 | 36.2 % | 83.58 | 54.2 % |
| 12m 2008 | 131.66 | 34.1 % | 92.68 | 29.0 % | 80.24 | 29.4 % |
| 3m 2009 | 132.57 | 24.6 % | 96.63 | 23.2 % | 79.31 | 19.0 % |
| 6m 2009 | 121.96 | (3.3 %) | 91.54 | 2.7 % | 78.72 | 1.5 % |
| 9m 2009 | 123.91 | (6.6 %) | 89.25 | (6.8 %) | 78.83 | (5.7 %) |
| 12m 2009 | 126.84 | (3.7 %) | 89.19 | (3.8 %) | 76.38 | (4.8 %) |
| 3m 2010 | 120.53 | (9.1 %) | 90.02 | (6.8 %) | 75.70 | (4.6 %) |
| 6m 2010 | 120.31 | (1.4 %) | 94.16 | 2.9 % | 74.75 | (5.0 %) |
| 9m 2010 | 118.35 | (4.5 %) | 90.67 | 1.6 % | 74.69 | (5.3 %) |
| 12m 2010 | 125.37 | (1.2 %) | 94.67 | 6.2 % | 74.25 | (2.8 %) |
| 3m 2011 | 126.01 | 4.5 % | 96.87 | 7.6 % | 76.24 | 0.7 % |
| 6m 2011 | 129.54 | 7.7 % | 99.15 | 5.3 % | 79.82 | 6.8 % |
| 9m 2011 | 131.93 | 11.5 % | 100.75 | 11.1 % | 82.35 | 10.3 % |
| 12m 2011 | 138.66 | 10.6 % | 105.58 | 11.5 % | 84.81 | 14.2 % |
| 3m 2012 | 144.05 | 14.3 % | 111.62 | 15.2 % | 91.19 | 19.6 % |
| 6m 2012 | 151.90 | 17.3 % | 117.58 | 18.6 % | 94.74 | 18.7 % |
| 9m 2012 | 156.24 | 18.4 % | 119.70 | 18.8 % | 97.80 | 18.8 % |
| 12m 2012 | 156.65 | 13.0 % | 120.43 | 14.1 % | 96.10 | 13.3 % |
| 3m 2013 | 158.79 | 10.2 % | 122.07 | 9.4 % | 101.18 | 11.0 % |
| 6m 2013 | 161.94 | 6.6 % | 125.89 | 7.1 % | 106.00 | 11.9 % |
| 9m 2013 | 166.28 | 6.4 % | 129.92 | 8.5 % | 107.83 | 10.3 % |
| 12m 2013 | 177.30 | 13.2 % | 138.96 | 15.4 % | 106.11 | 10.4 % |
| 3m 2014 | 175.42 | 10.5 % | 136.98 | 12.2 % | 109.90 | 8.6 % |
| 6m 2014 | 175.47 | 8.4 % | 138.30 | 9.9 % | 112.71 | 6.3 % |
| 9m 2014 | 182.96 | 10.0 % | 143.69 | 10.6 % | 116.67 | 8.2 % |
| 12m 2014 | 187.61 | 5.8 % | 145.87 | 5.0 % | 115.22 | 8.6 % |
| 3m 2015 | 190.16 | 8.4 % | 149.00 | 8.8 % | 120.43 | 9.6 % |
| 6m 2015 | 192.33 | 9.6 % | 151.10 | 9.3 % | 126.96 | 12.6 % |
| 9m 2015 | 197.20 | 7.8 % | 155.85 | 8.5 % | 129.57 | 11.1 % |
| 12m 2015 | 187.75 | 0.1 % | 148.89 | 2.1 % | 125.95 | 9.3 % |
| 3m 2016 | 191.79 | 0.9 % | 151.88 | 1.9 % | 130.56 | 8.4 % |
| 6m 2016 | 191.87 | (0.2 %) | 150.27 | (0.6 %) | 131.10 | 3.3 % |
| 9m 2016 | 185.90 | (5.7 %) | 144.08 | (7.5 %) | 125.87 | (2.9 %) |
| Period | Assets | Change | Customer Deposits | Change | Loan | Change |
|---|---|---|---|---|---|---|
| 2006 | 77.19 | 17.1 % | 59.26 | 22.1 % | 42.45 | 3.9 % |
| 2007 | 98.21 | 27.2 % | 71.85 | 21.2 % | 62.00 | 46.1 % |
| 2008 | 131.66 | 34.1 % | 92.68 | 29.0 % | 80.24 | 29.4 % |
| 2009 | 126.84 | (3.7 %) | 89.19 | (3.8 %) | 76.38 | (4.8 %) |
| 2010 | 125.37 | (1.2 %) | 94.67 | 6.2 % | 74.25 | (2.8 %) |
| 2011 | 138.66 | 10.6 % | 105.58 | 11.5 % | 84.81 | 14.2 % |
| 2012 | 156.65 | 13.0 % | 120.43 | 14.1 % | 96.10 | 13.3 % |
| 2013 | 177.30 | 13.2 % | 138.96 | 15.4 % | 106.11 | 10.4 % |
| 2014 | 187.61 | 5.8 % | 145.87 | 5.0 % | 115.22 | 8.6 % |
| 2015 | 187.75 | 0.1 % | 148.89 | 2.1 % | 125.95 | 9.3 % |
| Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
|---|---|---|---|
| Q1 2007 | 75.23 % | 53.75 % | 71.44 % |
| Q2 2007 | 76.64 % | 57.13 % | 74.54 % |
| Q3 2007 | 78.47 % | 60.49 % | 77.09 % |
| Q4 2007 | 73.16 % | 63.13 % | 86.29 % |
| Q1 2008 | 73.69 % | 62.61 % | 84.97 % |
| Q2 2008 | 70.62 % | 61.47 % | 87.04 % |
| Q3 2008 | 72.19 % | 63.02 % | 87.30 % |
| Q4 2008 | 70.39 % | 60.94 % | 86.58 % |
| Q1 2009 | 72.89 % | 59.83 % | 82.08 % |
| Q2 2009 | 75.06 % | 64.55 % | 86.00 % |
| Q3 2009 | 72.03 % | 63.62 % | 88.33 % |
| Q4 2009 | 70.32 % | 60.22 % | 85.64 % |
| Q1 2010 | 74.68 % | 62.80 % | 84.09 % |
| Q2 2010 | 78.26 % | 62.13 % | 79.39 % |
| Q3 2010 | 76.61 % | 63.11 % | 82.37 % |
| Q4 2010 | 75.51 % | 59.22 % | 78.43 % |
| Q1 2011 | 76.87 % | 60.50 % | 78.70 % |
| Q2 2011 | 76.54 % | 61.62 % | 80.50 % |
| Q3 2011 | 76.37 % | 62.42 % | 81.74 % |
| Q4 2011 | 76.14 % | 61.17 % | 80.33 % |
| Q1 2012 | 77.49 % | 63.31 % | 81.70 % |
| Q2 2012 | 77.40 % | 62.37 % | 80.57 % |
| Q3 2012 | 76.61 % | 62.60 % | 81.71 % |
| Q4 2012 | 76.88 % | 61.34 % | 79.79 % |
| Q1 2013 | 76.88 % | 63.72 % | 82.89 % |
| Q2 2013 | 77.74 % | 65.46 % | 84.20 % |
| Q3 2013 | 78.13 % | 64.85 % | 83.00 % |
| Q4 2013 | 78.38 % | 59.85 % | 76.36 % |
| Q1 2014 | 78.09 % | 62.65 % | 80.23 % |
| Q2 2014 | 78.82 % | 64.23 % | 81.50 % |
| Q3 2014 | 78.54 % | 63.77 % | 81.20 % |
| Q4 2014 | 77.75 % | 61.42 % | 78.99 % |
| Q1 2015 | 78.36 % | 63.33 % | 80.83 % |
| Q2 2015 | 78.57 % | 66.01 % | 84.02 % |
| Q3 2015 | 79.03 % | 65.71 % | 83.14 % |
| Q4 2015 | 79.30 % | 67.08 % | 84.59 % |
| Q1 2016 | 79.19 % | 68.07 % | 85.97 % |
| Q2 2016 | 78.32 % | 68.33 % | 87.24 % |
| Q3 2016 | 77.50 % | 67.71 % | 87.36 % |
| Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
|---|---|---|---|
| 2006 | 76.77 % | 54.99 % | 71.64 % |
| 2007 | 73.16 % | 63.13 % | 86.29 % |
| 2008 | 70.39 % | 60.94 % | 86.58 % |
| 2009 | 70.32 % | 60.22 % | 85.64 % |
| 2010 | 75.51 % | 59.22 % | 78.43 % |
| 2011 | 76.14 % | 61.17 % | 80.33 % |
| 2012 | 76.88 % | 61.34 % | 79.79 % |
| 2013 | 78.38 % | 59.85 % | 76.36 % |
| 2014 | 77.75 % | 61.42 % | 78.99 % |
| 2015 | 79.30 % | 67.08 % | 84.59 % |
| Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
|---|---|---|---|---|---|
| Q1 2007 | 1,500.00 | 1.78 | 1.78 | - | 6.06 |
| Q2 2007 | 1,500.00 | 1.65 | 1.65 | - | 6.44 |
| Q3 2007 | 1,500.00 | 1.66 | 1.66 | - | 6.46 |
| Q4 2007 | 1,500.00 | 1.74 | 1.74 | - | 6.95 |
| Q1 2008 | 1,500.00 | 1.83 | 1.83 | - | 6.89 |
| Q2 2008 | 1,500.00 | 1.94 | 1.94 | - | 7.28 |
| Q3 2008 | 1,500.00 | 1.98 | 1.98 | - | 7.30 |
| Q4 2008 | 1,500.00 | 1.95 | 1.95 | - | 7.76 |
| Q1 2009 | 1,500.00 | 1.95 | 1.95 | - | 8.32 |
| Q2 2009 | 1,500.00 | 1.87 | 1.87 | - | 8.73 |
| Q3 2009 | 1,500.00 | 1.78 | 1.78 | - | 8.75 |
| Q4 2009 | 1,500.00 | 1.35 | 1.35 | - | 8.70 |
| Q1 2010 | 1,500.00 | 1.26 | 1.26 | - | 9.15 |
| Q2 2010 | 1,500.00 | 1.11 | 1.11 | - | 9.48 |
| Q3 2010 | 1,500.00 | 1.01 | 1.01 | - | 9.87 |
| Q4 2010 | 1,500.00 | 1.26 | 1.26 | - | 10.11 |
| Q1 2011 | 1,500.00 | 1.34 | 1.34 | - | 10.15 |
| Q2 2011 | 1,500.00 | 1.61 | 1.61 | - | 10.65 |
| Q3 2011 | 1,500.00 | 1.75 | 1.75 | - | 10.97 |
| Q4 2011 | 1,500.00 | 1.93 | 1.93 | - | 11.44 |
| Q1 2012 | 1,500.00 | 1.99 | 1.99 | - | 11.79 |
| Q2 2012 | 1,500.00 | 2.04 | 2.04 | - | 12.31 |
| Q3 2012 | 1,500.00 | 2.05 | 2.05 | - | 12.80 |
| Q4 2012 | 1,500.00 | 2.16 | 2.16 | - | 13.38 |
| Q1 2013 | 1,500.00 | 2.22 | 2.22 | - | 13.35 |
| Q2 2013 | 1,500.00 | 2.28 | 2.28 | - | 13.99 |
| Q3 2013 | 1,500.00 | 2.41 | 2.41 | - | 14.60 |
| Q4 2013 | 1,500.00 | 2.52 | 2.52 | - | 15.22 |
| Q1 2014 | 1,500.00 | 2.60 | 2.60 | - | 15.35 |
| Q2 2014 | 1,500.00 | 2.71 | 2.71 | - | 16.10 |
| Q3 2014 | 1,500.00 | 2.85 | 2.85 | - | 16.93 |
| Q4 2014 | 1,500.00 | 2.84 | 2.84 | - | 17.38 |
| Q1 2015 | 1,500.00 | 2.87 | 2.87 | - | 17.40 |
| Q2 2015 | 1,500.00 | 2.85 | 2.85 | - | 18.17 |
| Q3 2015 | 1,500.00 | 2.91 | 2.91 | - | 18.27 |
| Q4 2015 | 1,500.00 | 2.89 | 2.89 | - | 18.78 |
| Q1 2016 | 1,500.00 | 2.90 | 2.90 | - | 19.09 |
| Q2 2016 | 1,500.00 | 2.91 | 2.91 | - | 19.87 |
| Q3 2016 | 1,500.00 | 2.82 | 2.82 | - | 20.10 |
| Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
|---|---|---|---|---|---|
| 2006 | 1,500.00 | 2.03 | 2.03 | - | 6.27 |
| 2007 | 1,500.00 | 1.74 | 1.74 | - | 6.95 |
| 2008 | 1,500.00 | 1.95 | 1.95 | - | 7.76 |
| 2009 | 1,500.00 | 1.35 | 1.35 | - | 8.70 |
| 2010 | 1,500.00 | 1.26 | 1.26 | - | 10.11 |
| 2011 | 1,500.00 | 1.93 | 1.93 | - | 11.44 |
| 2012 | 1,500.00 | 2.16 | 2.16 | - | 13.38 |
| 2013 | 1,500.00 | 2.52 | 2.52 | - | 15.22 |
| 2014 | 1,500.00 | 2.84 | 2.84 | - | 17.38 |
| 2015 | 1,500.00 | 2.89 | 2.89 | - | 18.78 |
| Period | P/E | Adjusted P/E | Price/book |
|---|---|---|---|
| Q1 2007 | 22.37 | 22.37 | 6.58 |
| Q2 2007 | 19.44 | 19.44 | 5.00 |
| Q3 2007 | 21.48 | 21.48 | 5.52 |
| Q4 2007 | 28.25 | 28.25 | 7.06 |
| Q1 2008 | 26.38 | 26.38 | 7.01 |
| Q2 2008 | 25.86 | 25.86 | 6.88 |
| Q3 2008 | 19.43 | 19.43 | 5.27 |
| Q4 2008 | 15.23 | 15.23 | 3.82 |
| Q1 2009 | 17.58 | 17.58 | 4.12 |
| Q2 2009 | 16.79 | 16.79 | 3.59 |
| Q3 2009 | 20.50 | 20.50 | 4.16 |
| Q4 2009 | 21.99 | 21.99 | 3.43 |
| Q1 2010 | 26.22 | 26.22 | 3.62 |
| Q2 2010 | 26.00 | 26.00 | 3.04 |
| Q3 2010 | 31.67 | 31.67 | 3.23 |
| Q4 2010 | 22.04 | 22.04 | 2.74 |
| Q1 2011 | 23.01 | 23.01 | 3.04 |
| Q2 2011 | 17.88 | 17.88 | 2.71 |
| Q3 2011 | 15.43 | 15.43 | 2.47 |
| Q4 2011 | 14.51 | 14.51 | 2.44 |
| Q1 2012 | 16.71 | 16.71 | 2.83 |
| Q2 2012 | 14.62 | 14.62 | 2.42 |
| Q3 2012 | 13.52 | 13.52 | 2.17 |
| Q4 2012 | 12.64 | 12.64 | 2.04 |
| Q1 2013 | 13.68 | 13.68 | 2.28 |
| Q2 2013 | 14.84 | 14.84 | 2.42 |
| Q3 2013 | 14.71 | 14.71 | 2.43 |
| Q4 2013 | 15.97 | 15.97 | 2.64 |
| Q1 2014 | 16.48 | 16.48 | 2.80 |
| Q2 2014 | 16.40 | 16.40 | 2.76 |
| Q3 2014 | 19.64 | 19.64 | 3.30 |
| Q4 2014 | 18.74 | 18.74 | 3.07 |
| Q1 2015 | 15.36 | 15.36 | 2.53 |
| Q2 2015 | 15.94 | 15.94 | 2.50 |
| Q3 2015 | 13.15 | 13.15 | 2.09 |
| Q4 2015 | 11.74 | 11.74 | 1.81 |
| Q1 2016 | 10.71 | 10.71 | 1.63 |
| Q2 2016 | 9.55 | 9.55 | 1.40 |
| Q3 2016 | 9.03 | 9.03 | 1.27 |
| Period | P/E | Adjusted P/E | Price/book |
|---|---|---|---|
| 2006 | 19.94 | 19.94 | 6.45 |
| 2007 | 28.25 | 28.25 | 7.06 |
| 2008 | 15.23 | 15.23 | 3.82 |
| 2009 | 21.99 | 21.99 | 3.43 |
| 2010 | 22.04 | 22.04 | 2.74 |
| 2011 | 14.51 | 14.51 | 2.44 |
| 2012 | 12.64 | 12.64 | 2.04 |
| 2013 | 15.97 | 15.97 | 2.64 |
| 2014 | 18.74 | 18.74 | 3.07 |
| 2015 | 11.74 | 11.74 | 1.81 |
Q3 2016
2016
| Period | Corporate and Institutional Banking | Retail | Global markets and Treasury | Securities | Others.. |
|---|---|---|---|---|---|
| Q1 2007 | 403.73 | 526.23 | 97.92 | - | - |
| Q2 2007 | 468.62 | 461.87 | 96.50 | - | - |
| Q3 2007 | 471.21 | 507.67 | 121.17 | - | - |
| Q4 2007 | 361.44 | 376.93 | 150.20 | 330.47 | - |
| Q1 2008 | 388.18 | 591.82 | 77.52 | 133.87 | - |
| Q2 2008 | 532.90 | 473.54 | 205.10 | 118.81 | - |
| Q3 2008 | 454.16 | 447.31 | 177.94 | 98.17 | - |
| Q4 2008 | 514.04 | 419.85 | 204.33 | - | - |
| Q1 2009 | 524.07 | 484.36 | 227.29 | - | 50.53 |
| Q2 2009 | 618.77 | 503.04 | 189.35 | - | 71.74 |
| Q3 2009 | 593.76 | 467.23 | 196.41 | - | 47.08 |
| Q4 2009 | 484.74 | 441.71 | 208.05 | - | 52.15 |
| Q1 2010 | 511.21 | 403.76 | 246.58 | - | 43.56 |
| Q2 2010 | 699.00 | 384.04 | 229.58 | - | 47.16 |
| Q3 2010 | 541.00 | 398.51 | 192.05 | - | 26.62 |
| Q4 2010 | 514.65 | 358.22 | 200.68 | - | 42.80 |
| Q1 2011 | 549.66 | 350.78 | 274.21 | - | 44.85 |
| Q2 2011 | 666.38 | 327.14 | 297.10 | - | 57.17 |
| Q3 2011 | 602.41 | 366.71 | 240.40 | - | - |
| Q4 2011 | 551.92 | 352.28 | 217.57 | - | - |
| Q1 2012 | 584.90 | 381.97 | 268.17 | - | - |
| Q2 2012 | 671.08 | 414.83 | 291.82 | - | - |
| Q3 2012 | 639.95 | 409.91 | 275.63 | - | - |
| Q4 2012 | 572.92 | 398.00 | 257.30 | - | - |
| Q1 2013 | 669.42 | 449.73 | 318.40 | - | - |
| Q2 2013 | 721.59 | 513.72 | 266.36 | - | - |
| Q3 2013 | 682.97 | 488.19 | 302.87 | - | - |
| Q4 2013 | 637.47 | 478.87 | 285.81 | - | - |
| Q1 2014 | 765.86 | 523.73 | 331.36 | - | - |
| Q2 2014 | 775.98 | 566.57 | 321.20 | - | - |
| Q3 2014 | 737.30 | 591.36 | 325.94 | - | - |
| Q4 2014 | 713.87 | 566.28 | 282.77 | - | - |
| Q1 2015 | 764.09 | 556.61 | 396.48 | - | - |
| Q2 2015 | 719.96 | 610.16 | 344.86 | - | - |
| Q3 2015 | 793.40 | 573.68 | 322.18 | - | - |
| Q4 2015 | 692.91 | 571.24 | 285.06 | - | - |
| Q1 2016 | 809.69 | 567.45 | 418.42 | - | - |
| Q2 2016 | 816.05 | 596.58 | 348.48 | - | - |
| Q3 2016 | 744.91 | 605.70 | 298.85 | - | 37.84 |
| Period | Corporate and Institutional Banking | Retail | Global markets and Treasury | Securities | Others.. |
|---|---|---|---|---|---|
| 2006 | 1,391.06 | 2,794.27 | 431.36 | - | - |
| 2007 | 1,705.00 | 1,872.70 | 465.78 | 330.47 | - |
| 2008 | 1,889.28 | 1,932.52 | 664.90 | - | 424.84 |
| 2009 | 2,221.34 | 1,896.34 | 821.10 | - | 221.50 |
| 2010 | 2,265.86 | 1,544.54 | 868.89 | - | 160.13 |
| 2011 | 2,370.37 | 1,396.91 | 1,029.29 | - | 102.02 |
| 2012 | 2,468.85 | 1,604.71 | 1,092.92 | - | - |
| 2013 | 2,711.44 | 1,930.51 | 1,173.44 | - | - |
| 2014 | 2,993.01 | 2,247.93 | 1,261.27 | - | - |
| 2015 | 2,970.36 | 2,311.69 | 1,348.58 | - | - |
| Item | Q3 2016 (e) | Q3 2016 (a) | Change |
|---|---|---|---|
| Average | 1,148.38 | 994.82 | (13.4 %) |
| Item | Q3 2016 (e) | Q3 2016 (a) | Change |
|---|---|---|---|
| SNB Capital | 1,126.00 | 994.82 | (11.7) % |
| Alistithmar Capital | 1,153.50 | 994.82 | (13.8) % |
| Sico | 1,156.00 | 994.82 | (13.9) % |
| Riyad Capital | 1,158.00 | 994.82 | (14.1) % |
| Current | |
| Market Cap (M Riyal) | 83,322.14 |
| Shares Outstanding ((M)) | 2,054.80 |
| EPS ( Riyal) (TTM) | 3.54 |
| EPS Diluted ( Riyal) (TTM) | 3.50 |
| Book Value (BV) ( Riyal) | 28.73 |
| Par Value ( Riyal) | 10.00 |
| Adjusted P/E (Last12) | 11.44 |
| P/E (TTM) | 11.44 |
| Price/book | 1.41 |
| Return on Average Assets (%) (TTM) | 2.1 |
| Return on Average Equity (%) (TTM) | 12.5 |
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