Al-Rajhi Bank, Saudi Arabia's second-largest lender, reported a net profit of SAR 5.18 billion for the first nine months of 2015; a year-on-year (YOY) decline of 2.5 percent it attributed to lower operating income.
Item | 9m 2014 | 9m 2015 | Change |
---|---|---|---|
Net Income from investments and financial activities | 7,298.44 | 7,472.31 | 2.4 % |
Operating Income | 10,580.93 | 10,151.97 | (4.1 %) |
Total Provisions | (1889.14) | (1409.19) | 25.4 % |
Net Income | 5,316.37 | 5,181.31 | (2.5 %) |
Average Shares | 4,000.00 | 4,000.00 | - |
EPS (Riyals) | 1.33 | 1.30 | (2.5 %) |
The bank’s Q3-2015 net profit reached SAR 1.7 billion, marking a YOY increase of 3.6 percent resulting from a drop in operating expenses. The company’s Q3 profit was 11 percent lower when compared to SAR 1.94 billion seen in the previous quarter.
Item | Q3 2014 | Q3 2015 | Change |
---|---|---|---|
Net Income from investments and financial activities | 2,378.18 | 2,494.69 | 4.9 % |
Operating Income | 3,439.41 | 3,195.06 | (7.1 %) |
Debt Provisions | (597.10) | (419.97) | 29.7 % |
Net Income | 1,661.61 | 1,721.40 | 3.6 % |
Average Shares | 4,000.00 | 4,000.00 | - |
EPS (Riyals) | 0.42 | 0.43 | 3.6 % |
Item | Q2 2015 | Q3 2015 | Change |
---|---|---|---|
Net Income from investments and financial activities | 2,514.14 | 2,494.69 | (0.8 %) |
Operating Income | 3,534.65 | 3,195.06 | (9.6 %) |
Debt Provisions | (467.43) | (419.97) | 10.2 % |
Net Income | 1,941.37 | 1,721.40 | (11.3 %) |
Average Shares | 4,000.00 | 4,000.00 | - |
EPS (Riyals) | 0.49 | 0.43 | (11.3 %) |
Item | 9m 2014 | 9m 2015 | Change |
---|---|---|---|
Assets | 298.71 | 325.21 | 8.9 % |
Customer Deposits | 250.03 | 271.55 | 8.6 % |
Financing Investments | 203.65 | 209.91 | 3.1 % |
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 %) |
2006 | 6,826.09 | 20.2 % | 9,509.90 | 22.7 % | (252.64) | 52.9 % |
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 %) |
2007 | 7,721.81 | 13.1 % | 9,321.10 | (2.0 %) | (443.24) | (75.4 %) |
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 %) |
2008 | 8,496.66 | 10.0 % | 10,575.27 | 13.5 % | (1,227.42) | (176.9 %) |
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 % |
2009 | 9,354.03 | 10.1 % | 11,505.29 | 8.8 % | (1,760.73) | (43.4 %) |
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 %) |
2010 | 9,122.42 | (2.5 %) | 11,661.13 | 1.4 % | (1,908.82) | (8.4 %) |
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 % |
2011 | 9,069.94 | (0.6 %) | 12,502.12 | 7.2 % | (1,645.14) | 13.8 % |
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 %) |
2012 | 9,340.89 | 3.0 % | 13,983.02 | 11.8 % | (2,319.17) | (41.0 %) |
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 %) |
2013 | 9,649.07 | 3.3 % | 13,845.04 | (1.0 %) | (2,349.69) | (1.3 %) |
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 % |
2014 | 9,817.32 | 1.7 % | 13,666.97 | (1.3 %) | (2,312.18) | 1.6 % |
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 % |
Period | Net Income from investments and financial activities | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
2005 | 5,677.26 | 37.3 % | 7,751.44 | 49.5 % | (535.97) | 37.7 % |
2006 | 6,826.09 | 20.2 % | 9,509.90 | 22.7 % | (252.64) | 52.9 % |
2007 | 7,721.81 | 13.1 % | 9,321.10 | (2.0 %) | (443.24) | (75.4 %) |
2008 | 8,496.66 | 10.0 % | 10,575.27 | 13.5 % | (1,227.42) | (176.9 %) |
2009 | 9,354.03 | 10.1 % | 11,505.29 | 8.8 % | (1,760.73) | (43.4 %) |
2010 | 9,122.42 | (2.5 %) | 11,661.13 | 1.4 % | (1,908.82) | (8.4 %) |
2011 | 9,069.94 | (0.6 %) | 12,502.12 | 7.2 % | (1,645.14) | 13.8 % |
2012 | 9,340.89 | 3.0 % | 13,983.02 | 11.8 % | (2,319.17) | (41.0 %) |
2013 | 9,649.07 | 3.3 % | 13,845.04 | (1.0 %) | (2,349.69) | (1.3 %) |
2014 | 9,817.32 | 1.7 % | 13,666.97 | (1.3 %) | (2,312.18) | 1.6 % |
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 |
2006 | 7,301.89 | 29.6 % | 1.83 | - | 7,301.89 | 1.83 |
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 |
2007 | 6,449.66 | (11.7 %) | 1.61 | - | 6,449.66 | 1.61 |
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 |
2008 | 6,524.60 | 1.2 % | 1.63 | - | 6,524.60 | 1.63 |
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 |
2009 | 6,767.23 | 3.7 % | 1.69 | - | 6,767.23 | 1.69 |
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 |
2010 | 6,770.83 | 0.1 % | 1.69 | - | 6,770.83 | 1.69 |
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 |
2011 | 7,378.27 | 9.0 % | 1.84 | - | 7,378.27 | 1.84 |
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 |
2012 | 7,884.71 | 6.9 % | 1.97 | - | 7,884.71 | 1.97 |
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 |
2013 | 7,437.99 | (5.7 %) | 1.86 | - | 7,437.99 | 1.86 |
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 |
2014 | 6,836.17 | (8.1 %) | 1.71 | - | 6,836.17 | 1.71 |
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 |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
2005 | 5,633.33 | 91.9 % | 1.41 | - | 5,633.33 | 1.41 |
2006 | 7,301.89 | 29.6 % | 1.83 | - | 7,301.89 | 1.83 |
2007 | 6,449.66 | (11.7 %) | 1.61 | - | 6,449.66 | 1.61 |
2008 | 6,524.60 | 1.2 % | 1.63 | - | 6,524.60 | 1.63 |
2009 | 6,767.23 | 3.7 % | 1.69 | - | 6,767.23 | 1.69 |
2010 | 6,770.83 | 0.1 % | 1.69 | - | 6,770.83 | 1.69 |
2011 | 7,378.27 | 9.0 % | 1.84 | - | 7,378.27 | 1.84 |
2012 | 7,884.71 | 6.9 % | 1.97 | - | 7,884.71 | 1.97 |
2013 | 7,437.99 | (5.7 %) | 1.86 | - | 7,437.99 | 1.86 |
2014 | 6,836.17 | (8.1 %) | 1.71 | - | 6,836.17 | 1.71 |
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 % |
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 % |
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 % |
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 % |
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 % |
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 % |
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 % |
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 % |
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 % |
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 % |
Period | Return On Average Assets | Return on Average Equity | Net Profit/Investment Income & Other Financing Operations |
---|---|---|---|
2005 | 6.52 % | 47.63 % | 94.66 % |
2006 | 7.29 % | 43.40 % | 95.35 % |
2007 | 5.61 % | 29.46 % | 75.14 % |
2008 | 4.53 % | 25.77 % | 69.24 % |
2009 | 4.05 % | 24.27 % | 68.19 % |
2010 | 3.81 % | 22.93 % | 72.39 % |
2011 | 3.64 % | 23.13 % | 79.13 % |
2012 | 3.23 % | 22.54 % | 81.40 % |
2013 | 2.72 % | 19.84 % | 73.54 % |
2014 | 2.33 % | 17.01 % | 66.94 % |
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 % |
Period | Assets | Change | Customer Deposits | Change | Financing Investments | Change |
---|---|---|---|---|---|---|
3m 2006 | 96.53 | 17.4 % | 73.35 | 14.0 % | 83.95 | 18.7 % |
6m 2006 | 101.21 | 14.1 % | 72.28 | 5.6 % | 88.23 | 14.5 % |
9m 2006 | 104.24 | 16.8 % | 73.61 | 7.2 % | 90.96 | 17.1 % |
12m 2006 | 105.21 | 10.7 % | 73.40 | 4.7 % | 89.56 | 11.8 % |
3m 2007 | 113.89 | 18.0 % | 81.08 | 10.5 % | 98.50 | 17.3 % |
6m 2007 | 124.73 | 23.2 % | 90.45 | 25.2 % | 109.33 | 23.9 % |
9m 2007 | 124.71 | 19.6 % | 91.12 | 23.8 % | 108.34 | 19.1 % |
12m 2007 | 124.89 | 18.7 % | 89.73 | 22.2 % | 104.88 | 17.1 % |
3m 2008 | 143.05 | 25.6 % | 101.44 | 25.1 % | 122.70 | 24.6 % |
6m 2008 | 150.04 | 20.3 % | 108.50 | 19.9 % | 124.51 | 13.9 % |
9m 2008 | 163.26 | 30.9 % | 118.27 | 29.8 % | 136.68 | 26.2 % |
12m 2008 | 163.37 | 30.8 % | 116.61 | 30.0 % | 140.68 | 34.1 % |
3m 2009 | 160.78 | 12.4 % | 119.88 | 18.2 % | 110.35 | (10.1 %) |
6m 2009 | 163.23 | 8.8 % | 122.95 | 13.3 % | 112.17 | (9.9 %) |
9m 2009 | 163.72 | 0.3 % | 123.28 | 4.2 % | 113.21 | (17.2 %) |
12m 2009 | 170.73 | 4.5 % | 122.86 | 5.4 % | 112.15 | (20.3 %) |
3m 2010 | 172.42 | 7.2 % | 129.46 | 8.0 % | 117.13 | 6.1 % |
6m 2010 | 177.29 | 8.6 % | 134.93 | 9.7 % | 118.32 | 5.5 % |
9m 2010 | 181.52 | 10.9 % | 139.48 | 13.1 % | 119.28 | 5.4 % |
12m 2010 | 184.84 | 8.3 % | 143.06 | 16.4 % | 120.06 | 7.1 % |
3m 2011 | 203.03 | 17.8 % | 160.44 | 23.9 % | 124.25 | 6.1 % |
6m 2011 | 214.65 | 21.1 % | 166.40 | 23.3 % | 127.81 | 8.0 % |
9m 2011 | 212.89 | 17.3 % | 166.80 | 19.6 % | 134.70 | 12.9 % |
12m 2011 | 220.73 | 19.4 % | 177.73 | 24.2 % | 140.31 | 16.9 % |
3m 2012 | 234.17 | 15.3 % | 186.09 | 16.0 % | 151.84 | 22.2 % |
6m 2012 | 238.21 | 11.0 % | 185.97 | 11.8 % | 158.22 | 23.8 % |
9m 2012 | 247.25 | 16.1 % | 195.15 | 17.0 % | 165.55 | 22.9 % |
12m 2012 | 267.38 | 21.1 % | 221.34 | 24.5 % | 171.94 | 22.5 % |
3m 2013 | 275.61 | 17.7 % | 231.81 | 24.6 % | 180.49 | 18.9 % |
6m 2013 | 273.28 | 14.7 % | 227.42 | 22.3 % | 184.89 | 16.9 % |
9m 2013 | 272.98 | 10.4 % | 225.52 | 15.6 % | 185.45 | 12.0 % |
12m 2013 | 279.87 | 4.7 % | 231.59 | 4.6 % | 186.81 | 8.6 % |
3m 2014 | 288.04 | 4.5 % | 238.52 | 2.9 % | 193.05 | 7.0 % |
6m 2014 | 295.15 | 8.0 % | 245.42 | 7.9 % | 200.93 | 8.7 % |
9m 2014 | 298.71 | 9.4 % | 250.03 | 10.9 % | 203.65 | 9.8 % |
12m 2014 | 307.71 | 9.9 % | 256.08 | 10.6 % | 205.94 | 10.2 % |
3m 2015 | 320.43 | 11.2 % | 268.48 | 12.6 % | 205.12 | 6.3 % |
6m 2015 | 327.07 | 10.8 % | 269.42 | 9.8 % | 210.62 | 4.8 % |
9m 2015 | 325.21 | 8.9 % | 271.55 | 8.6 % | 209.91 | 3.1 % |
Period | Assets | Change | Customer Deposits | Change | Financing Investments | Change |
---|---|---|---|---|---|---|
2005 | 95.04 | 22.1 % | 70.11 | 15.1 % | 80.13 | 23.7 % |
2006 | 105.21 | 10.7 % | 73.40 | 4.7 % | 89.56 | 11.8 % |
2007 | 124.89 | 18.7 % | 89.73 | 22.2 % | 104.88 | 17.1 % |
2008 | 163.37 | 30.8 % | 116.61 | 30.0 % | 140.68 | 34.1 % |
2009 | 170.73 | 4.5 % | 122.86 | 5.4 % | 112.15 | (20.3 %) |
2010 | 184.84 | 8.3 % | 143.06 | 16.4 % | 120.06 | 7.1 % |
2011 | 220.73 | 19.4 % | 177.73 | 24.2 % | 140.31 | 16.9 % |
2012 | 267.38 | 21.1 % | 221.34 | 24.5 % | 171.94 | 22.5 % |
2013 | 279.87 | 4.7 % | 231.59 | 4.6 % | 186.81 | 8.6 % |
2014 | 307.71 | 9.9 % | 256.08 | 10.6 % | 205.94 | 10.2 % |
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 % |
Period | Customer Deposits Per Total Assets | Financing Investments/Customer Deposits | Financing Investments/Total Assets |
---|---|---|---|
2005 | 73.77 % | 114.29 % | 84.32 % |
2006 | 69.76 % | 122.02 % | 85.13 % |
2007 | 71.85 % | 116.89 % | 83.98 % |
2008 | 71.38 % | 120.64 % | 86.11 % |
2009 | 71.96 % | 91.28 % | 65.69 % |
2010 | 77.40 % | 83.92 % | 64.96 % |
2011 | 80.52 % | 78.95 % | 63.57 % |
2012 | 82.78 % | 77.68 % | 64.31 % |
2013 | 82.75 % | 80.67 % | 66.75 % |
2014 | 83.22 % | 80.42 % | 66.93 % |
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 |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
2005 | 4,000.00 | 1.41 | 1.41 | - | 3.37 |
2006 | 4,000.00 | 1.83 | 1.83 | - | 5.04 |
2007 | 4,000.00 | 1.61 | 1.61 | - | 5.90 |
2008 | 4,000.00 | 1.63 | 1.63 | - | 6.76 |
2009 | 4,000.00 | 1.69 | 1.69 | - | 7.19 |
2010 | 4,000.00 | 1.69 | 1.69 | - | 7.58 |
2011 | 4,000.00 | 1.84 | 1.84 | - | 8.37 |
2012 | 4,000.00 | 1.97 | 1.97 | - | 9.12 |
2013 | 4,000.00 | 1.86 | 1.86 | - | 9.62 |
2014 | 4,000.00 | 1.71 | 1.71 | - | 10.47 |
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 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
2005 | 43.33 | 43.33 | 18.12 |
2006 | 17.85 | 17.85 | 6.46 |
2007 | 27.28 | 27.28 | 7.45 |
2008 | 12.88 | 12.88 | 3.11 |
2009 | 15.80 | 15.80 | 3.72 |
2010 | 18.40 | 18.40 | 4.11 |
2011 | 14.14 | 14.14 | 3.11 |
2012 | 12.37 | 12.37 | 2.67 |
2013 | 14.73 | 14.73 | 2.85 |
2014 | 12.23 | 12.23 | 2.00 |
Q3 2015
2015
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 | - |
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Investment Banking and Brokerage | Others |
---|---|---|---|---|---|
2005 | 5,892.32 | 1,236.57 | 622.55 | - | - |
2006 | 7,504.84 | 1,120.53 | 884.54 | - | - |
2007 | 5,729.52 | 1,588.97 | 1,560.57 | 442.03 | - |
2008 | 6,056.62 | 2,178.68 | 1,996.51 | 343.45 | - |
2009 | 7,153.84 | 2,167.22 | 1,721.54 | 462.69 | - |
2010 | 7,881.38 | 2,380.34 | 1,117.33 | 282.09 | - |
2011 | 8,847.92 | 1,831.56 | 1,107.33 | 715.31 | - |
2012 | 9,556.62 | 1,925.78 | 1,250.44 | 1,250.18 | - |
2013 | 9,826.35 | 1,847.22 | 1,455.94 | 715.53 | - |
2014 | 10,240.13 | 1,557.09 | 1,310.47 | 559.28 | - |
Item | Q3 2015 (e) | Q3 2015 (a) | Change |
---|---|---|---|
Average | 1,722.48 | 1,721.40 | (0.1 %) |
Item | Q3 2015 (e) | Q3 2015 (a) | Change |
---|---|---|---|
Albilad Capital | 1,730.00 | 1,721.40 | (0.5) % |
SNB Capital | 1,746.00 | 1,721.40 | (1.4) % |
Alistithmar Capital | 1,807.00 | 1,721.40 | (4.7) % |
Value Capital | 1,606.90 | 1,721.40 | 7.1 % |
Current | |
Market Cap (M) | 374,800.00 |
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) | 20.40 |
P/E (TTM) | 20.40 |
Price/book | 3.95 |
Return on Average Assets (%) (TTM) | 2.2 |
Return on Average Equity (%) (TTM) | 20.3 |
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