Financial Results : Al-Rajhi Bank’s net profit rises 4% to SAR 7 bln in FY15

Al-Rajhi Bank’s net profit rises 4% to SAR 7 bln in FY15

21/01/2016 Argaam Exclusive

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Al-Rajhi Bank, Saudi Arabia's second-largest lender, posted a net profit of SAR 7.1 billion for 2015 fiscal year (FY), a four percent increase year-on year (YOY) attributed to higher operating income, which rose 16.5 percent, supported by banking services and other revenue.

 

The increase was also attributed to lower expenses, the bank said in a statement.



Financials (M)

Item 2014 2015 Change‬
Net Income from investments and financial activities 9,817.32 9,958.94 1.4 %
Operating Income 13,666.97 13,745.78 0.6 %
Total Provisions (2312.18) (1958.03) 15.3 %
Net Income 6,836.17 7,130.08 4.3 %
Average Shares 4,000.00 4,000.00 -
EPS (Riyals) 1.71 1.78 4.3 %

 

Al-Rajhi posted a net profit of SAR 1.9 billion in Q415, a 28 percent YoY growth; and a 13 percent climb compared to the previous quarter due to higher net income. 



Current Quarter Comparison (M)

Compared With The
Item Q4 2014 Q4 2015 Change‬
Net Income from investments and financial activities 2,518.88 2,486.63 (1.3 %)
Operating Income 3,086.04 3,593.81 16.5 %
Debt Provisions (423.04) (548.84) (29.7 %)
Net Income 1,519.81 1,948.77 28.2 %
Average Shares 4,000.00 4,000.00 -
EPS (Riyals) 0.38 0.49 28.2 %

Balance Sheet (B)

Item 2014 2015 Change‬
Assets 307.71 315.62 2.6 %
Customer Deposits 256.08 257.82 0.7 %
Financing Investments 205.94 210.22 2.1 %


Financial results (Million)

Period Net Income from investments and financial activities Change Operating Income Change Debt Provisions Change
Q1 2006 1,554.29 25.3 % 2,273.43 45.5 % (66.18) 74.3 %
Q2 2006 1,685.24 19.3 % 2,324.94 21.0 % (79.55) 58.4 %
Q3 2006 1,774.07 20.8 % 2,218.10 8.0 % (50.52) 3.3 %
Q4 2006 1,812.49 16.4 % 2,693.42 21.3 % (56.39) (63.4 %)
Q1 2007 1,823.07 17.3 % 2,208.07 (2.9 %) (71.38) (7.9 %)
Q2 2007 1,904.94 13.0 % 2,305.67 (0.8 %) (95.97) (20.6 %)
Q3 2007 1,990.76 12.2 % 2,434.28 9.7 % (124.37) (146.2 %)
Q4 2007 2,003.05 10.5 % 2,373.08 (11.9 %) (151.52) (168.7 %)
Q1 2008 2,030.19 11.4 % 2,484.56 12.5 % (186.92) (161.9 %)
Q2 2008 2,137.58 12.2 % 2,716.35 17.8 % (272.03) (183.5 %)
Q3 2008 2,149.99 8.0 % 2,705.02 11.1 % (185.55) (49.2 %)
Q4 2008 2,178.90 8.8 % 2,669.34 12.5 % (582.92) (284.7 %)
Q1 2009 2,310.76 13.8 % 2,739.86 10.3 % (231.32) (23.8 %)
Q2 2009 2,352.80 10.1 % 2,901.43 6.8 % (421.57) (55.0 %)
Q3 2009 2,498.87 16.2 % 3,114.11 15.1 % (593.97) (220.1 %)
Q4 2009 2,191.61 0.6 % 2,749.89 3.0 % (513.88) 11.8 %
Q1 2010 2,257.51 (2.3 %) 2,832.16 3.4 % (358.86) (55.1 %)
Q2 2010 2,263.23 (3.8 %) 2,998.78 3.4 % (422.13) (0.1 %)
Q3 2010 2,371.74 (5.1 %) 2,966.13 (4.8 %) (581.30) 2.1 %
Q4 2010 2,229.94 1.7 % 2,864.07 4.2 % (546.54) (6.4 %)
Q1 2011 2,233.12 (1.1 %) 2,936.76 3.7 % (349.37) 2.6 %
Q2 2011 2,272.89 0.4 % 3,050.55 1.7 % (346.75) 17.9 %
Q3 2011 2,293.24 (3.3 %) 3,191.95 7.6 % (408.43) 29.7 %
Q4 2011 2,270.70 1.8 % 3,322.86 16.0 % (540.59) 1.1 %
Q1 2012 2,327.71 4.2 % 3,427.44 16.7 % (466.75) (33.6 %)
Q2 2012 2,272.28 0.0 % 3,427.15 12.3 % (378.30) (9.1 %)
Q3 2012 2,367.30 3.2 % 3,638.64 14.0 % (829.72) (103.1 %)
Q4 2012 2,373.60 4.5 % 3,489.79 5.0 % (644.39) (19.2 %)
Q1 2013 2,359.88 1.4 % 3,441.26 0.4 % (396.86) 15.0 %
Q2 2013 2,394.49 5.4 % 3,434.88 0.2 % (308.21) 18.5 %
Q3 2013 2,425.27 2.4 % 3,427.61 (5.8 %) (695.82) 16.1 %
Q4 2013 2,469.42 4.0 % 3,541.28 1.5 % (948.79) (47.2 %)
Q1 2014 2,426.42 2.8 % 3,497.93 1.6 % (693.89) (74.8 %)
Q2 2014 2,493.85 4.1 % 3,643.60 6.1 % (598.15) (94.1 %)
Q3 2014 2,378.18 (1.9 %) 3,439.41 0.3 % (597.10) 14.2 %
Q4 2014 2,518.88 2.0 % 3,086.04 (12.9 %) (423.04) 55.4 %
Q1 2015 2,463.48 1.5 % 3,422.25 (2.2 %) (521.78) 24.8 %
Q2 2015 2,514.14 0.8 % 3,534.65 (3.0 %) (467.43) 21.9 %
Q3 2015 2,494.69 4.9 % 3,195.06 (7.1 %) (419.97) 29.7 %
Q4 2015 2,486.63 (1.3 %) 3,593.81 16.5 % (548.84) (29.7 %)
2015 9,958.94 1.4 % 13,745.78 0.6 % (1,958.03) 15.3 %


Profit Performance (Million)

Period Net Income Change EPS(Riyal) Extraordinary Income/Expense Net Profit Before Unusual Items EPS Before XO Items
Q1 2006 1,754.46 87.5 % 0.44 - 1,754.46 0.44
Q2 2006 1,776.20 32.9 % 0.44 - 1,776.20 0.44
Q3 2006 1,691.67 4.3 % 0.42 - 1,691.67 0.42
Q4 2006 2,079.56 19.5 % 0.52 - 2,079.56 0.52
Q1 2007 1,569.41 (10.5 %) 0.39 - 1,569.41 0.39
Q2 2007 1,610.22 (9.3 %) 0.40 - 1,610.22 0.40
Q3 2007 1,694.28 0.2 % 0.42 - 1,694.28 0.42
Q4 2007 1,575.75 (24.2 %) 0.39 - 1,575.75 0.39
Q1 2008 1,601.84 2.1 % 0.40 - 1,601.84 0.40
Q2 2008 1,741.85 8.2 % 0.44 - 1,741.85 0.44
Q3 2008 1,757.05 3.7 % 0.44 - 1,757.05 0.44
Q4 2008 1,423.87 (9.6 %) 0.36 - 1,423.87 0.36
Q1 2009 1,731.67 8.1 % 0.43 - 1,731.67 0.43
Q2 2009 1,771.06 1.7 % 0.44 - 1,771.06 0.44
Q3 2009 1,794.91 2.2 % 0.45 - 1,794.91 0.45
Q4 2009 1,469.59 3.2 % 0.37 - 1,469.59 0.37
Q1 2010 1,684.10 (2.7 %) 0.42 - 1,684.10 0.42
Q2 2010 1,778.61 0.4 % 0.44 - 1,778.61 0.44
Q3 2010 1,639.99 (8.6 %) 0.41 - 1,639.99 0.41
Q4 2010 1,668.13 13.5 % 0.42 - 1,668.13 0.42
Q1 2011 1,700.29 1.0 % 0.43 - 1,700.29 0.43
Q2 2011 1,843.06 3.6 % 0.46 - 1,843.06 0.46
Q3 2011 1,935.80 18.0 % 0.48 - 1,935.80 0.48
Q4 2011 1,899.12 13.8 % 0.47 - 1,899.12 0.47
Q1 2012 2,011.33 18.3 % 0.50 - 2,011.33 0.50
Q2 2012 2,092.98 13.6 % 0.52 - 2,092.98 0.52
Q3 2012 1,869.30 (3.4 %) 0.47 - 1,869.30 0.47
Q4 2012 1,911.10 0.6 % 0.48 - 1,911.10 0.48
Q1 2013 2,051.69 2.0 % 0.51 - 2,051.69 0.51
Q2 2013 2,122.72 1.4 % 0.53 - 2,122.72 0.53
Q3 2013 1,717.02 (8.1 %) 0.43 - 1,717.02 0.43
Q4 2013 1,546.56 (19.1 %) 0.39 - 1,546.56 0.39
Q1 2014 1,705.80 (16.9 %) 0.43 - 1,705.80 0.43
Q2 2014 1,948.95 (8.2 %) 0.49 - 1,948.95 0.49
Q3 2014 1,661.61 (3.2 %) 0.42 - 1,661.61 0.42
Q4 2014 1,519.81 (1.7 %) 0.38 - 1,519.81 0.38
Q1 2015 1,518.55 (11.0 %) 0.38 - 1,518.55 0.38
Q2 2015 1,941.37 (0.4 %) 0.49 - 1,941.37 0.49
Q3 2015 1,721.40 3.6 % 0.43 - 1,721.40 0.43
Q4 2015 1,948.77 28.2 % 0.49 - 1,948.77 0.49
2015 7,130.08 4.3 % 1.78 - 7,130.08 1.78

Profitability

Period Return On Average Assets Return on Average Equity Net Profit/Investment Income & Other Financing Operations
Q1 2006 7.22 % 52.13 % 99.28 %
Q2 2006 7.26 % 49.46 % 99.44 %
Q3 2006 7.20 % 45.99 % 94.62 %
Q4 2006 7.29 % 43.40 % 95.35 %
Q1 2007 6.76 % 40.23 % 90.14 %
Q2 2007 6.15 % 35.86 % 85.39 %
Q3 2007 6.07 % 34.65 % 82.96 %
Q4 2007 5.61 % 29.46 % 75.14 %
Q1 2008 5.05 % 28.98 % 74.28 %
Q2 2008 4.81 % 28.62 % 74.31 %
Q3 2008 4.64 % 28.03 % 73.44 %
Q4 2008 4.53 % 25.77 % 69.24 %
Q1 2009 4.38 % 26.85 % 68.05 %
Q2 2009 4.27 % 26.11 % 67.00 %
Q3 2009 4.11 % 25.42 % 66.26 %
Q4 2009 4.05 % 24.27 % 68.19 %
Q1 2010 4.03 % 25.15 % 69.15 %
Q2 2010 3.95 % 23.61 % 70.48 %
Q3 2010 3.81 % 23.35 % 70.06 %
Q4 2010 3.81 % 22.93 % 72.39 %
Q1 2011 3.62 % 23.56 % 72.75 %
Q2 2011 3.50 % 22.38 % 73.28 %
Q3 2011 3.62 % 23.55 % 77.00 %
Q4 2011 3.64 % 23.13 % 79.13 %
Q1 2012 3.52 % 24.66 % 81.58 %
Q2 2012 3.51 % 23.95 % 84.18 %
Q3 2012 3.42 % 23.74 % 82.68 %
Q4 2012 3.23 % 22.54 % 81.40 %
Q1 2013 3.11 % 23.22 % 80.97 %
Q2 2013 3.11 % 22.04 % 79.92 %
Q3 2013 3.00 % 21.79 % 77.81 %
Q4 2013 2.72 % 19.84 % 73.54 %
Q1 2014 2.52 % 18.69 % 69.90 %
Q2 2014 2.43 % 17.70 % 67.67 %
Q3 2014 2.40 % 17.73 % 67.40 %
Q4 2014 2.33 % 17.01 % 66.94 %
Q1 2015 2.19 % 16.15 % 64.97 %
Q2 2015 2.13 % 15.67 % 64.89 %
Q3 2015 2.15 % 15.69 % 64.99 %
Q4 2015 2.29 % 16.11 % 69.50 %
2015 2.29 % 16.11 % 69.50 %

Balance Sheet (B)

Period Assets Change Customer Deposits Change Financing Investments Change
Q1 2006 96.53 17.4 % 73.35 14.0 % 83.95 18.7 %
Q2 2006 101.21 14.1 % 72.28 5.6 % 88.23 14.5 %
Q3 2006 104.24 16.8 % 73.61 7.2 % 90.96 17.1 %
Q4 2006 105.21 10.7 % 73.40 4.7 % 89.56 11.8 %
Q1 2007 113.89 18.0 % 81.08 10.5 % 98.50 17.3 %
Q2 2007 124.73 23.2 % 90.45 25.2 % 109.33 23.9 %
Q3 2007 124.71 19.6 % 91.12 23.8 % 108.34 19.1 %
Q4 2007 124.89 18.7 % 89.73 22.2 % 104.88 17.1 %
Q1 2008 143.05 25.6 % 101.44 25.1 % 122.70 24.6 %
Q2 2008 150.04 20.3 % 108.50 19.9 % 124.51 13.9 %
Q3 2008 163.26 30.9 % 118.27 29.8 % 136.68 26.2 %
Q4 2008 163.37 30.8 % 116.61 30.0 % 140.68 34.1 %
Q1 2009 160.78 12.4 % 119.88 18.2 % 110.35 (10.1 %)
Q2 2009 163.23 8.8 % 122.95 13.3 % 112.17 (9.9 %)
Q3 2009 163.72 0.3 % 123.28 4.2 % 113.21 (17.2 %)
Q4 2009 170.73 4.5 % 122.86 5.4 % 112.15 (20.3 %)
Q1 2010 172.42 7.2 % 129.46 8.0 % 117.13 6.1 %
Q2 2010 177.29 8.6 % 134.93 9.7 % 118.32 5.5 %
Q3 2010 181.52 10.9 % 139.48 13.1 % 119.28 5.4 %
Q4 2010 184.84 8.3 % 143.06 16.4 % 120.06 7.1 %
Q1 2011 203.03 17.8 % 160.44 23.9 % 124.25 6.1 %
Q2 2011 214.65 21.1 % 166.40 23.3 % 127.81 8.0 %
Q3 2011 212.89 17.3 % 166.80 19.6 % 134.70 12.9 %
Q4 2011 220.73 19.4 % 177.73 24.2 % 140.31 16.9 %
Q1 2012 234.17 15.3 % 186.09 16.0 % 151.84 22.2 %
Q2 2012 238.21 11.0 % 185.97 11.8 % 158.22 23.8 %
Q3 2012 247.25 16.1 % 195.15 17.0 % 165.55 22.9 %
Q4 2012 267.38 21.1 % 221.34 24.5 % 171.94 22.5 %
Q1 2013 275.61 17.7 % 231.81 24.6 % 180.49 18.9 %
Q2 2013 273.28 14.7 % 227.42 22.3 % 184.89 16.9 %
Q3 2013 272.98 10.4 % 225.52 15.6 % 185.45 12.0 %
Q4 2013 279.87 4.7 % 231.59 4.6 % 186.81 8.6 %
Q1 2014 288.04 4.5 % 238.52 2.9 % 193.05 7.0 %
Q2 2014 295.15 8.0 % 245.42 7.9 % 200.93 8.7 %
Q3 2014 298.71 9.4 % 250.03 10.9 % 203.65 9.8 %
Q4 2014 307.71 9.9 % 256.08 10.6 % 205.94 10.2 %
Q1 2015 320.43 11.2 % 268.48 12.6 % 205.12 6.3 %
Q2 2015 327.07 10.8 % 269.42 9.8 % 210.62 4.8 %
Q3 2015 325.21 8.9 % 271.55 8.6 % 209.91 3.1 %
Q4 2015 315.62 2.6 % 257.82 0.7 % 210.22 2.1 %

Ratios

Period Customer Deposits Per Total Assets Financing Investments/Customer Deposits Financing Investments/Total Assets
Q1 2006 75.99 % 114.45 % 86.97 %
Q2 2006 71.41 % 122.07 % 87.17 %
Q3 2006 70.61 % 123.57 % 87.25 %
Q4 2006 69.76 % 122.02 % 85.13 %
Q1 2007 71.19 % 121.49 % 86.48 %
Q2 2007 72.52 % 120.87 % 87.65 %
Q3 2007 73.06 % 118.90 % 86.87 %
Q4 2007 71.85 % 116.89 % 83.98 %
Q1 2008 70.91 % 120.96 % 85.77 %
Q2 2008 72.31 % 114.76 % 82.99 %
Q3 2008 72.45 % 115.56 % 83.72 %
Q4 2008 71.38 % 120.64 % 86.11 %
Q1 2009 74.56 % 92.05 % 68.63 %
Q2 2009 75.33 % 91.23 % 68.72 %
Q3 2009 75.30 % 91.83 % 69.15 %
Q4 2009 71.96 % 91.28 % 65.69 %
Q1 2010 75.09 % 90.47 % 67.93 %
Q2 2010 76.11 % 87.69 % 66.74 %
Q3 2010 76.84 % 85.51 % 65.71 %
Q4 2010 77.40 % 83.92 % 64.96 %
Q1 2011 79.02 % 77.45 % 61.20 %
Q2 2011 77.52 % 76.81 % 59.54 %
Q3 2011 78.35 % 80.75 % 63.27 %
Q4 2011 80.52 % 78.95 % 63.57 %
Q1 2012 79.47 % 81.59 % 64.84 %
Q2 2012 78.07 % 85.08 % 66.42 %
Q3 2012 78.93 % 84.83 % 66.96 %
Q4 2012 82.78 % 77.68 % 64.31 %
Q1 2013 84.11 % 77.86 % 65.49 %
Q2 2013 83.22 % 81.30 % 67.66 %
Q3 2013 82.61 % 82.23 % 67.93 %
Q4 2013 82.75 % 80.67 % 66.75 %
Q1 2014 82.81 % 80.94 % 67.02 %
Q2 2014 83.15 % 81.87 % 68.07 %
Q3 2014 83.70 % 81.45 % 68.17 %
Q4 2014 83.22 % 80.42 % 66.93 %
Q1 2015 83.79 % 76.40 % 64.01 %
Q2 2015 82.38 % 78.17 % 64.40 %
Q3 2015 83.50 % 77.30 % 64.55 %
Q4 2015 81.69 % 81.54 % 66.60 %


Per Share Data (Riyal)

Compared With The
Period Shares Outstanding (M) EPS (Riyal) Adjusted EPS (Riyal) EPS Diluted (Riyal) Book Value (BV)
Q1 2006 4,000.00 1.61 1.61 - 3.66
Q2 2006 4,000.00 1.72 1.72 - 4.10
Q3 2006 4,000.00 1.74 1.74 - 4.52
Q4 2006 4,000.00 1.83 1.83 - 5.04
Q1 2007 4,000.00 1.78 1.78 - 5.19
Q2 2007 4,000.00 1.74 1.74 - 5.59
Q3 2007 4,000.00 1.74 1.74 - 5.51
Q4 2007 4,000.00 1.61 1.61 - 5.90
Q1 2008 4,000.00 1.62 1.62 - 6.00
Q2 2008 4,000.00 1.65 1.65 - 5.96
Q3 2008 4,000.00 1.67 1.67 - 6.40
Q4 2008 4,000.00 1.63 1.63 - 6.76
Q1 2009 4,000.00 1.66 1.66 - 6.40
Q2 2009 4,000.00 1.67 1.67 - 6.84
Q3 2009 4,000.00 1.68 1.68 - 6.82
Q4 2009 4,000.00 1.69 1.69 - 7.19
Q1 2010 4,000.00 1.68 1.68 - 6.96
Q2 2010 4,000.00 1.68 1.68 - 7.41
Q3 2010 4,000.00 1.64 1.64 - 7.25
Q4 2010 4,000.00 1.69 1.69 - 7.58
Q1 2011 4,000.00 1.70 1.70 - 7.44
Q2 2011 4,000.00 1.71 1.71 - 7.90
Q3 2011 4,000.00 1.79 1.79 - 7.92
Q4 2011 4,000.00 1.84 1.84 - 8.37
Q1 2012 4,000.00 1.92 1.92 - 8.15
Q2 2012 4,000.00 1.98 1.98 - 8.67
Q3 2012 4,000.00 1.97 1.97 - 8.66
Q4 2012 4,000.00 1.97 1.97 - 9.12
Q1 2013 4,000.00 1.98 1.98 - 8.92
Q2 2013 4,000.00 1.99 1.99 - 9.38
Q3 2013 4,000.00 1.95 1.95 - 9.24
Q4 2013 4,000.00 1.86 1.86 - 9.62
Q1 2014 4,000.00 1.77 1.77 - 10.05
Q2 2014 4,000.00 1.73 1.73 - 10.17
Q3 2014 4,000.00 1.72 1.72 - 10.11
Q4 2014 4,000.00 1.71 1.71 - 10.47
Q1 2015 4,000.00 1.66 1.66 - 10.54
Q2 2015 4,000.00 1.66 1.66 - 11.02
Q3 2015 4,000.00 1.68 1.68 - 11.24
Q4 2015 4,000.00 1.78 1.78 - 11.66

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Adjusted P/E Price/book
Q1 2006 More than 100 More than 100 23.46
Q2 2006 32.64 32.64 13.71
Q3 2006 30.17 30.17 11.61
Q4 2006 17.85 17.85 6.46
Q1 2007 16.80 16.80 5.76
Q2 2007 13.85 13.85 4.30
Q3 2007 16.80 16.80 5.30
Q4 2007 27.28 27.28 7.45
Q1 2008 19.28 19.28 5.21
Q2 2008 19.97 19.97 5.54
Q3 2008 17.87 17.87 4.66
Q4 2008 12.88 12.88 3.11
Q1 2009 11.67 11.67 3.04
Q2 2009 14.09 14.09 3.44
Q3 2009 16.69 16.69 4.11
Q4 2009 15.80 15.80 3.72
Q1 2010 19.10 19.10 4.61
Q2 2010 16.79 16.79 3.81
Q3 2010 17.98 17.98 4.07
Q4 2010 18.40 18.40 4.11
Q1 2011 17.19 17.19 3.92
Q2 2011 15.99 15.99 3.47
Q3 2011 14.54 14.54 3.28
Q4 2011 14.14 14.14 3.11
Q1 2012 16.15 16.15 3.81
Q2 2012 13.94 13.94 3.19
Q3 2012 13.58 13.58 3.09
Q4 2012 12.37 12.37 2.67
Q1 2013 12.45 12.45 2.77
Q2 2013 13.58 13.58 2.88
Q3 2013 14.86 14.86 3.14
Q4 2013 14.73 14.73 2.85
Q1 2014 15.82 15.82 2.79
Q2 2014 15.85 15.85 2.70
Q3 2014 16.89 16.89 2.87
Q4 2014 12.23 12.23 2.00
Q1 2015 14.05 14.05 2.22
Q2 2015 14.91 14.91 2.25
Q3 2015 13.34 13.34 1.99
Q4 2015 11.88 11.88 1.82

Business Segments (Million)

Compared With The
Period Retail Corporate and Institutional Banking Global markets and Treasury Investment Banking and Brokerage Others
Q1 2006 1,888.40 252.51 136.73 - -
Q2 2006 1,872.69 296.16 151.89 - -
Q3 2006 1,676.99 258.95 282.17 - -
Q4 2006 2,066.76 312.91 313.75 - -
Q1 2007 1,404.95 276.84 379.04 147.25 -
Q2 2007 1,528.09 300.40 353.31 123.87 -
Q3 2007 1,565.27 330.99 448.75 89.27 -
Q4 2007 1,231.21 680.74 379.48 81.65 -
Q1 2008 1,570.79 318.25 487.12 108.40 -
Q2 2008 1,523.36 627.22 435.67 130.10 -
Q3 2008 1,680.98 517.19 409.09 97.77 -
Q4 2008 1,281.50 716.02 664.64 7.18 -
Q1 2009 1,645.16 552.24 465.23 77.23 -
Q2 2009 1,775.16 559.19 490.68 76.40 -
Q3 2009 1,810.65 658.00 449.13 196.34 -
Q4 2009 1,922.88 397.79 316.50 112.72 -
Q1 2010 1,703.43 759.63 288.63 80.47 -
Q2 2010 2,129.32 546.37 244.22 78.87 -
Q3 2010 2,003.27 576.74 320.68 65.44 -
Q4 2010 2,045.36 497.60 263.80 57.31 -
Q1 2011 2,036.25 507.80 313.00 79.70 -
Q2 2011 2,133.25 467.95 220.40 228.95 -
Q3 2011 2,298.24 424.18 425.55 43.98 -
Q4 2011 2,380.18 431.63 148.37 362.68 -
Q1 2012 2,341.44 489.00 297.00 300.00 -
Q2 2012 2,527.07 463.82 328.17 108.09 -
Q3 2012 2,272.49 547.47 263.42 555.26 -
Q4 2012 2,415.62 425.49 361.85 286.83 -
Q1 2013 2,442.26 453.00 333.00 213.00 -
Q2 2013 2,558.28 340.35 329.32 206.93 -
Q3 2013 2,574.82 513.26 246.41 93.12 -
Q4 2013 2,250.99 540.62 547.20 202.47 -
Q1 2014 2,473.81 455.85 345.28 223.00 -
Q2 2014 2,388.47 646.75 289.71 318.67 -
Q3 2014 2,651.16 501.66 381.88 (95.29) -
Q4 2014 2,726.69 (47.16) 293.61 112.90 -
Q1 2015 2,589.61 373.42 306.52 152.70 -
Q2 2015 2,561.53 515.14 282.74 175.25 -
Q3 2015 2,417.29 521.88 146.55 109.35 -
Q4 2015 2,812.27 242.32 345.11 194.11 -

Analysts Estimates (Million)

Item Q4 2015 (e) Q4 2015 (a) Change‬
Average 1,694.64 1,948.77 15.00 %

Estimates vs Actual (Million)

Item Q4 2015 (e) Q4 2015 (a) Change
Value Capital 1,808.40 1,948.77 7.8 %
SFC 1,738.00 1,948.77 12.1 %
Albilad Capital 1,736.00 1,948.77 12.3 %
AlJazira Capital 1,710.00 1,948.77 14.0 %
OSOOL AND BAKHEET 1,696.30 1,948.77 14.9 %
SNB Capital 1,630.00 1,948.77 19.6 %
Alistithmar Capital 1,543.80 1,948.77 26.2 %

Current
Market Cap (M) 374,000.00
Shares Outstanding ((M)) 4,000.00
EPS ( Riyal) (TTM) 4.59
EPS Diluted ( Riyal) (TTM) 4.37
Book Value (BV) ( Riyal) 23.73
Par Value ( Riyal) 10.00
Adjusted P/E (Last12) 20.35
P/E (TTM) 20.35
Price/book 3.94
Return on Average Assets (%) (TTM) 2.2
Return on Average Equity (%) (TTM) 20.3

Share Price

93.50
0.50 0.54 %

Al Rajhi Bank (ALRAJHI)


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