Al Rajhi Bank reported a net profit of SAR 6.94 billion for the first half of 2021, up 44% from SAR 4.816 billion in year-earlier period.
The bank attributed the profit rise to an increase in total operating income by 25.7% backed by higher net financing and investment income, fees from banking services, and other operating income.
Total operating expenses increased by 3.1% due to a rise in salaries and employees’ related expenses, and other general and administrative expenses.
Item | 6m 2020 | 6m 2021 | Change |
---|---|---|---|
Net Income from investments and financial activities | 8,078.18 | 9,822.33 | 21.6 % |
Operating Income | 9,775.33 | 12,283.90 | 25.7 % |
Total Provisions | (1150.76) | (1160.96) | (0.9 %) |
Net Income | 4,816.25 | 6,940.17 | 44.1 % |
Average Shares | 4,000.00 | 4,000.00 | - |
EPS (Riyals) | 1.20 | 1.74 | 44.1 % |
In Q2 2021, Al Rajhi Bank’s net profit increased by 48% to SAR 3.60 billion, compared to SAR 2.43 billion in Q2 2020, on higher total operating income due to a rise in net financing and investment income.
Item | Q2 2020 | Q2 2021 | Change |
---|---|---|---|
Net Income from investments and financial activities | 3,967.69 | 5,051.78 | 27.3 % |
Operating Income | 4,807.76 | 6,336.32 | 31.8 % |
Debt Provisions | (457.96) | (583.97) | (27.5 %) |
Net Income | 2,436.10 | 3,604.69 | 48.0 % |
Average Shares | 4,000.00 | 4,000.00 | - |
EPS (Riyals) | 0.61 | 0.90 | 48.0 % |
Item | Q1 2021 | Q2 2021 | Change |
---|---|---|---|
Net Income from investments and financial activities | 4,770.55 | 5,051.78 | 5.9 % |
Operating Income | 5,947.58 | 6,336.32 | 6.5 % |
Debt Provisions | (576.99) | (583.97) | (1.2 %) |
Net Income | 3,335.49 | 3,604.69 | 8.1 % |
Average Shares | 4,000.00 | 4,000.00 | - |
EPS (Riyals) | 0.83 | 0.90 | 8.1 % |
When compared to the previous quarter, Q2 net profit grew 8%, thanks to a rise in total operating income by 6.5%.
Item | 6m 2020 | 6m 2021 | Change |
---|---|---|---|
Assets | 417.68 | 546.14 | 30.8 % |
Customer Deposits | 334.66 | 447.51 | 33.7 % |
Financing Investments | 274.93 | 390.30 | 42.0 % |
Period | Net Income from investments and financial activities | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
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 % |
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 % |
Q1 2016 | 2,574.33 | 4.5 % | 3,695.05 | 8.0 % | (537.49) | (3.0 %) |
Q2 2016 | 2,780.55 | 10.6 % | 3,923.66 | 11.0 % | (555.28) | (18.8 %) |
Q3 2016 | 2,914.48 | 16.8 % | 3,877.85 | 21.4 % | (541.44) | (28.9 %) |
Q4 2016 | 2,921.23 | 17.5 % | 3,812.32 | 6.1 % | (508.04) | 7.4 % |
2016 | 11,223.09 | 12.7 % | 15,341.38 | 11.6 % | (2,142.24) | (9.4 %) |
Q1 2017 | 2,885.74 | 12.1 % | 3,853.09 | 4.3 % | (372.41) | 30.7 % |
Q2 2017 | 2,954.42 | 6.3 % | 3,876.96 | (1.2 %) | (405.29) | 27.0 % |
Q3 2017 | 3,032.11 | 4.0 % | 3,976.36 | 2.5 % | (409.88) | 24.3 % |
Q4 2017 | 3,157.15 | 8.1 % | 4,198.45 | 10.1 % | (360.00) | 29.1 % |
2017 | 12,029.42 | 7.2 % | 15,904.85 | 3.7 % | (1,547.58) | 27.8 % |
Q1 2018 | 3,441.33 | 19.3 % | 4,142.41 | 7.5 % | (450.43) | (21.0 %) |
Q2 2018 | 3,551.95 | 20.2 % | 4,288.07 | 10.6 % | (333.22) | 17.8 % |
Q3 2018 | 3,682.34 | 21.4 % | 4,383.35 | 10.2 % | (417.26) | (1.8 %) |
Q4 2018 | 3,811.37 | 20.7 % | 4,505.69 | 7.3 % | (330.03) | 8.3 % |
2018 | 14,486.99 | 20.4 % | 17,319.52 | 8.9 % | (1,530.95) | 1.1 % |
Q1 2019 | 3,943.96 | 14.6 % | 4,638.94 | 12.0 % | (389.42) | 13.5 % |
Q2 2019 | 4,060.69 | 14.3 % | 4,861.11 | 13.4 % | (385.63) | (15.7 %) |
Q3 2019 | 4,163.61 | 13.1 % | 4,981.23 | 13.6 % | (332.27) | 20.4 % |
Q4 2019 | 4,259.46 | 11.8 % | 5,003.18 | 11.0 % | (664.95) | (101.5 %) |
2019 | 16,427.72 | 13.4 % | 19,484.46 | 12.5 % | (1,772.27) | (15.8 %) |
Q1 2020 | 4,110.48 | 4.2 % | 4,967.56 | 7.1 % | (692.81) | (77.9 %) |
Q2 2020 | 3,967.69 | (2.3 %) | 4,807.76 | (1.1 %) | (457.96) | (18.8 %) |
Q3 2020 | 4,196.45 | 0.8 % | 5,152.13 | 3.4 % | (464.94) | (39.9 %) |
Q4 2020 | 4,638.39 | 8.9 % | 5,793.81 | 15.8 % | (550.04) | 17.3 % |
2020 | 16,913.02 | 3.0 % | 20,721.26 | 6.3 % | (2,165.74) | (22.2 %) |
Q1 2021 | 4,770.55 | 16.1 % | 5,947.58 | 19.7 % | (576.99) | 16.7 % |
Q2 2021 | 5,051.78 | 27.3 % | 6,336.32 | 31.8 % | (583.97) | (27.5 %) |
Period | Net Income from investments and financial activities | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
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 % |
2015 | 9,958.94 | 1.4 % | 13,745.78 | 0.6 % | (1,958.03) | 15.3 % |
2016 | 11,223.09 | 12.7 % | 15,341.38 | 11.6 % | (2,142.24) | (9.4 %) |
2017 | 12,029.42 | 7.2 % | 15,904.85 | 3.7 % | (1,547.58) | 27.8 % |
2018 | 14,486.99 | 20.4 % | 17,319.52 | 8.9 % | (1,530.95) | 1.1 % |
2019 | 16,427.72 | 13.4 % | 19,484.46 | 12.5 % | (1,772.27) | (15.8 %) |
2020 | 16,913.02 | 3.0 % | 20,721.26 | 6.3 % | (2,165.74) | (22.2 %) |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
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 |
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 |
Q1 2016 | 2,017.27 | 32.8 % | 0.50 | - | 2,017.27 | 0.50 |
Q2 2016 | 2,051.93 | 5.7 % | 0.51 | - | 2,051.93 | 0.51 |
Q3 2016 | 2,009.49 | 16.7 % | 0.50 | - | 2,009.49 | 0.50 |
Q4 2016 | 2,047.27 | 5.1 % | 0.51 | - | 2,047.27 | 0.51 |
2016 | 8,125.96 | 14.0 % | 2.03 | - | 8,125.96 | 2.03 |
Q1 2017 | 2,220.90 | 10.1 % | 0.56 | - | 2,220.90 | 0.56 |
Q2 2017 | 2,181.65 | 6.3 % | 0.55 | - | 2,181.65 | 0.55 |
Q3 2017 | 2,265.21 | 12.7 % | 0.57 | - | 2,265.21 | 0.57 |
Q4 2017 | 2,452.97 | 19.8 % | 0.61 | - | 2,452.97 | 0.61 |
2017 | 9,120.73 | 12.2 % | 2.28 | - | 9,120.73 | 2.28 |
Q1 2018 | 2,306.28 | 3.8 % | 0.58 | - | 2,306.28 | 0.58 |
Q2 2018 | 2,474.22 | 13.4 % | 0.62 | - | 2,474.22 | 0.62 |
Q3 2018 | 2,515.98 | 11.1 % | 0.63 | - | 2,515.98 | 0.63 |
Q4 2018 | (3528.54) | (243.8 %) | (0.88) | (5405.27) | 1,876.74 | 0.47 |
2018 | 3,767.95 | (58.7 %) | 0.94 | (5405.27) | 9,173.22 | 2.29 |
Q1 2019 | 2,567.99 | 11.3 % | 0.64 | - | 2,567.99 | 0.64 |
Q2 2019 | 2,533.91 | 2.4 % | 0.63 | - | 2,533.91 | 0.63 |
Q3 2019 | 2,738.82 | 8.9 % | 0.68 | - | 2,738.82 | 0.68 |
Q4 2019 | 2,317.81 | 165.7 % | 0.58 | - | 2,317.81 | 0.58 |
2019 | 10,158.53 | 169.6 % | 2.54 | - | 10,158.53 | 2.54 |
Q1 2020 | 2,380.15 | (7.3 %) | 0.60 | - | 2,380.15 | 0.60 |
Q2 2020 | 2,436.10 | (3.9 %) | 0.61 | - | 2,436.10 | 0.61 |
Q3 2020 | 2,657.85 | (3.0 %) | 0.66 | - | 2,657.85 | 0.66 |
Q4 2020 | 3,121.45 | 34.7 % | 0.78 | - | 3,121.45 | 0.78 |
2020 | 10,595.55 | 4.3 % | 2.65 | - | 10,595.55 | 2.65 |
Q1 2021 | 3,335.49 | 40.1 % | 0.83 | - | 3,335.49 | 0.83 |
Q2 2021 | 3,604.69 | 48.0 % | 0.90 | - | 3,604.69 | 0.90 |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
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 |
2015 | 7,130.08 | 4.3 % | 1.78 | - | 7,130.08 | 1.78 |
2016 | 8,125.96 | 14.0 % | 2.03 | - | 8,125.96 | 2.03 |
2017 | 9,120.73 | 12.2 % | 2.28 | - | 9,120.73 | 2.28 |
2018 | 3,767.95 | (58.7 %) | 0.94 | (5405.27) | 9,173.22 | 2.29 |
2019 | 10,158.53 | 169.6 % | 2.54 | - | 10,158.53 | 2.54 |
2020 | 10,595.55 | 4.3 % | 2.65 | - | 10,595.55 | 2.65 |
Period | Return On Average Assets | Return on Average Equity | Net Profit/Investment Income & Other Financing Operations |
---|---|---|---|
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 % |
Q4 2015 | 2.29 % | 16.11 % | 69.50 % |
2015 | 2.29 % | 16.11 % | 69.50 % |
Q1 2016 | 2.37 % | 17.11 % | 73.30 % |
Q2 2016 | 2.35 % | 16.62 % | 72.26 % |
Q3 2016 | 2.45 % | 16.95 % | 71.49 % |
Q4 2016 | 2.48 % | 16.49 % | 69.15 % |
2016 | 2.48 % | 16.49 % | 69.15 % |
Q1 2017 | 2.52 % | 16.92 % | 68.98 % |
Q2 2017 | 2.50 % | 16.48 % | 68.88 % |
Q3 2017 | 2.61 % | 16.90 % | 70.37 % |
Q4 2017 | 2.67 % | 16.94 % | 72.50 % |
2017 | 2.67 % | 16.94 % | 72.50 % |
Q1 2018 | 2.69 % | 18.07 % | 70.20 % |
Q2 2018 | 2.74 % | 17.86 % | 69.40 % |
Q3 2018 | 2.81 % | 18.51 % | 68.09 % |
Q4 2018 | 1.07 % | 7.24 % | 25.13 % |
2018 | 1.07 % | 7.24 % | 25.13 % |
Q1 2019 | 1.13 % | 7.95 % | 25.96 % |
Q2 2019 | 1.14 % | 7.97 % | 25.50 % |
Q3 2019 | 1.19 % | 8.56 % | 26.12 % |
Q4 2019 | 2.72 % | 20.42 % | 59.89 % |
2019 | 2.72 % | 20.42 % | 59.89 % |
Q1 2020 | 2.64 % | 19.83 % | 58.21 % |
Q2 2020 | 2.51 % | 19.41 % | 57.98 % |
Q3 2020 | 2.45 % | 18.89 % | 57.50 % |
Q4 2020 | 2.48 % | 19.39 % | 60.97 % |
2020 | 2.48 % | 19.39 % | 60.97 % |
Q1 2021 | 2.56 % | 21.23 % | 64.03 % |
Q2 2021 | 2.64 % | 22.79 % | 66.24 % |
Period | Return On Average Assets | Return on Average Equity | Net Profit/Investment Income & Other Financing Operations |
---|---|---|---|
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 % |
2015 | 2.29 % | 16.11 % | 69.50 % |
2016 | 2.48 % | 16.49 % | 69.15 % |
2017 | 2.67 % | 16.94 % | 72.50 % |
2018 | 1.07 % | 7.24 % | 25.13 % |
2019 | 2.72 % | 20.42 % | 59.89 % |
2020 | 2.48 % | 19.39 % | 60.97 % |
Period | Assets | Change | Customer Deposits | Change | Financing Investments | Change |
---|---|---|---|---|---|---|
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 % |
Q1 2016 | 323.30 | 0.9 % | 266.42 | (0.8 %) | 216.39 | 5.5 % |
Q2 2016 | 331.38 | 1.3 % | 272.65 | 1.2 % | 224.52 | 6.6 % |
Q3 2016 | 330.52 | 1.6 % | 272.60 | 0.4 % | 225.86 | 7.6 % |
Q4 2016 | 339.71 | 7.6 % | 272.59 | 5.7 % | 224.99 | 7.0 % |
Q1 2017 | 337.23 | 4.3 % | 271.29 | 1.8 % | 229.42 | 6.0 % |
Q2 2017 | 345.60 | 4.3 % | 285.39 | 4.7 % | 232.80 | 3.7 % |
Q3 2017 | 338.03 | 2.3 % | 270.10 | (0.9 %) | 233.18 | 3.2 % |
Q4 2017 | 343.12 | 1.0 % | 273.06 | 0.2 % | 233.54 | 3.8 % |
Q1 2018 | 348.43 | 3.3 % | 283.94 | 4.7 % | 228.23 | (0.5 %) |
Q2 2018 | 347.59 | 0.6 % | 280.39 | (1.8 %) | 226.54 | (2.7 %) |
Q3 2018 | 355.58 | 5.2 % | 288.84 | 6.9 % | 232.02 | (0.5 %) |
Q4 2018 | 364.03 | 6.1 % | 293.91 | 7.6 % | 231.76 | (0.8 %) |
Q1 2019 | 363.05 | 4.2 % | 293.50 | 3.4 % | 234.83 | 2.9 % |
Q2 2019 | 369.20 | 6.2 % | 300.56 | 7.2 % | 238.50 | 5.3 % |
Q3 2019 | 367.87 | 3.5 % | 298.81 | 3.5 % | 244.59 | 5.4 % |
Q4 2019 | 384.09 | 5.5 % | 312.41 | 6.3 % | 249.68 | 7.7 % |
Q1 2020 | 391.90 | 7.9 % | 315.66 | 7.5 % | 261.39 | 11.3 % |
Q2 2020 | 417.68 | 13.1 % | 334.66 | 11.3 % | 274.93 | 15.3 % |
Q3 2020 | 430.30 | 17.0 % | 345.32 | 15.6 % | 289.73 | 18.5 % |
Q4 2020 | 468.82 | 22.1 % | 382.63 | 22.5 % | 315.71 | 26.4 % |
Q1 2021 | 512.23 | 30.7 % | 421.27 | 33.5 % | 356.14 | 36.3 % |
Q2 2021 | 546.14 | 30.8 % | 447.51 | 33.7 % | 390.30 | 42.0 % |
Period | Assets | Change | Customer Deposits | Change | Financing Investments | Change |
---|---|---|---|---|---|---|
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 % |
12m 2015 | 315.62 | 2.6 % | 257.82 | 0.7 % | 210.22 | 2.1 % |
3m 2016 | 323.30 | 0.9 % | 266.42 | (0.8 %) | 216.39 | 5.5 % |
6m 2016 | 331.38 | 1.3 % | 272.65 | 1.2 % | 224.52 | 6.6 % |
9m 2016 | 330.52 | 1.6 % | 272.60 | 0.4 % | 225.86 | 7.6 % |
12m 2016 | 339.71 | 7.6 % | 272.59 | 5.7 % | 224.99 | 7.0 % |
3m 2017 | 337.23 | 4.3 % | 271.29 | 1.8 % | 229.42 | 6.0 % |
6m 2017 | 345.60 | 4.3 % | 285.39 | 4.7 % | 232.80 | 3.7 % |
9m 2017 | 338.03 | 2.3 % | 270.10 | (0.9 %) | 233.18 | 3.2 % |
12m 2017 | 343.12 | 1.0 % | 273.06 | 0.2 % | 233.54 | 3.8 % |
3m 2018 | 348.43 | 3.3 % | 283.94 | 4.7 % | 228.23 | (0.5 %) |
6m 2018 | 347.59 | 0.6 % | 280.39 | (1.8 %) | 226.54 | (2.7 %) |
9m 2018 | 355.58 | 5.2 % | 288.84 | 6.9 % | 232.02 | (0.5 %) |
12m 2018 | 364.03 | 6.1 % | 293.91 | 7.6 % | 231.76 | (0.8 %) |
3m 2019 | 363.05 | 4.2 % | 293.50 | 3.4 % | 234.83 | 2.9 % |
6m 2019 | 369.20 | 6.2 % | 300.56 | 7.2 % | 238.50 | 5.3 % |
9m 2019 | 367.87 | 3.5 % | 298.81 | 3.5 % | 244.59 | 5.4 % |
12m 2019 | 384.09 | 5.5 % | 312.41 | 6.3 % | 249.68 | 7.7 % |
3m 2020 | 391.90 | 7.9 % | 315.66 | 7.5 % | 261.39 | 11.3 % |
6m 2020 | 417.68 | 13.1 % | 334.66 | 11.3 % | 274.93 | 15.3 % |
9m 2020 | 430.30 | 17.0 % | 345.32 | 15.6 % | 289.73 | 18.5 % |
12m 2020 | 468.82 | 22.1 % | 382.63 | 22.5 % | 315.71 | 26.4 % |
3m 2021 | 512.23 | 30.7 % | 421.27 | 33.5 % | 356.14 | 36.3 % |
6m 2021 | 546.14 | 30.8 % | 447.51 | 33.7 % | 390.30 | 42.0 % |
Period | Assets | Change | Customer Deposits | Change | Financing Investments | Change |
---|---|---|---|---|---|---|
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 % |
2015 | 315.62 | 2.6 % | 257.82 | 0.7 % | 210.22 | 2.1 % |
2016 | 339.71 | 7.6 % | 272.59 | 5.7 % | 224.99 | 7.0 % |
2017 | 343.12 | 1.0 % | 273.06 | 0.2 % | 233.54 | 3.8 % |
2018 | 364.03 | 6.1 % | 293.91 | 7.6 % | 231.76 | (0.8 %) |
2019 | 384.09 | 5.5 % | 312.41 | 6.3 % | 249.68 | 7.7 % |
2020 | 468.82 | 22.1 % | 382.63 | 22.5 % | 315.71 | 26.4 % |
Period | Customer Deposits Per Total Assets | Financing Investments/Customer Deposits | Financing Investments/Total Assets |
---|---|---|---|
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 % |
Q1 2016 | 82.41 % | 81.22 % | 66.93 % |
Q2 2016 | 82.28 % | 82.35 % | 67.75 % |
Q3 2016 | 82.48 % | 82.86 % | 68.34 % |
Q4 2016 | 80.24 % | 82.54 % | 66.23 % |
Q1 2017 | 80.45 % | 84.57 % | 68.03 % |
Q2 2017 | 82.58 % | 81.57 % | 67.36 % |
Q3 2017 | 79.90 % | 86.33 % | 68.98 % |
Q4 2017 | 79.58 % | 85.53 % | 68.06 % |
Q1 2018 | 81.49 % | 80.38 % | 65.50 % |
Q2 2018 | 80.67 % | 80.80 % | 65.18 % |
Q3 2018 | 81.23 % | 80.33 % | 65.25 % |
Q4 2018 | 80.74 % | 78.85 % | 63.66 % |
Q1 2019 | 80.84 % | 80.01 % | 64.68 % |
Q2 2019 | 81.41 % | 79.35 % | 64.60 % |
Q3 2019 | 81.23 % | 81.85 % | 66.49 % |
Q4 2019 | 81.34 % | 79.92 % | 65.01 % |
Q1 2020 | 80.55 % | 82.81 % | 66.70 % |
Q2 2020 | 80.12 % | 82.15 % | 65.82 % |
Q3 2020 | 80.25 % | 83.90 % | 67.33 % |
Q4 2020 | 81.61 % | 82.51 % | 67.34 % |
Q1 2021 | 82.24 % | 84.54 % | 69.53 % |
Q2 2021 | 81.94 % | 87.22 % | 71.46 % |
Period | Customer Deposits Per Total Assets | Financing Investments/Customer Deposits | Financing Investments/Total Assets |
---|---|---|---|
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 % |
2015 | 81.69 % | 81.54 % | 66.60 % |
2016 | 80.24 % | 82.54 % | 66.23 % |
2017 | 79.58 % | 85.53 % | 68.06 % |
2018 | 80.74 % | 78.85 % | 63.66 % |
2019 | 81.34 % | 79.92 % | 65.01 % |
2020 | 81.61 % | 82.51 % | 67.34 % |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
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 |
Q1 2016 | 4,000.00 | 1.91 | 1.91 | - | 11.75 |
Q2 2016 | 4,000.00 | 1.93 | 1.93 | - | 12.26 |
Q3 2016 | 4,000.00 | 2.01 | 2.01 | - | 12.45 |
Q4 2016 | 4,000.00 | 2.03 | 2.03 | - | 12.99 |
Q1 2017 | 4,000.00 | 2.08 | 2.08 | - | 12.86 |
Q2 2017 | 4,000.00 | 2.11 | 2.11 | - | 13.40 |
Q3 2017 | 4,000.00 | 2.18 | 2.18 | - | 13.34 |
Q4 2017 | 4,000.00 | 2.28 | 2.28 | - | 13.94 |
Q1 2018 | 4,000.00 | 2.30 | 2.30 | - | 12.61 |
Q2 2018 | 4,000.00 | 2.37 | 2.37 | - | 13.20 |
Q3 2018 | 4,000.00 | 2.44 | 2.44 | - | 12.99 |
Q4 2018 | 4,000.00 | 0.94 | 2.29 | - | 12.08 |
Q1 2019 | 4,000.00 | 1.01 | 2.36 | - | 12.74 |
Q2 2019 | 4,000.00 | 1.02 | 2.37 | - | 12.45 |
Q3 2019 | 4,000.00 | 1.08 | 2.43 | - | 12.19 |
Q4 2019 | 4,000.00 | 2.54 | 2.54 | - | 12.80 |
Q1 2020 | 4,000.00 | 2.49 | 2.49 | - | 12.40 |
Q2 2020 | 4,000.00 | 2.47 | 2.47 | - | 12.98 |
Q3 2020 | 4,000.00 | 2.45 | 2.45 | - | 13.73 |
Q4 2020 | 4,000.00 | 2.65 | 2.65 | - | 14.53 |
Q1 2021 | 4,000.00 | 2.89 | 2.89 | - | 14.81 |
Q2 2021 | 4,000.00 | 3.18 | 3.18 | - | 14.92 |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
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 |
2015 | 4,000.00 | 1.78 | 1.78 | - | 11.66 |
2016 | 4,000.00 | 2.03 | 2.03 | - | 12.99 |
2017 | 4,000.00 | 2.28 | 2.28 | - | 13.94 |
2018 | 4,000.00 | 0.94 | 2.29 | - | 12.08 |
2019 | 4,000.00 | 2.54 | 2.54 | - | 12.80 |
2020 | 4,000.00 | 2.65 | 2.65 | - | 14.53 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
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 |
Q1 2016 | 11.06 | 11.06 | 1.79 |
Q2 2016 | 12.28 | 12.28 | 1.94 |
Q3 2016 | 10.45 | 10.45 | 1.69 |
Q4 2016 | 12.62 | 12.62 | 1.97 |
Q1 2017 | 12.46 | 12.46 | 2.02 |
Q2 2017 | 13.40 | 13.40 | 2.12 |
Q3 2017 | 12.30 | 12.30 | 2.01 |
Q4 2017 | 11.52 | 11.52 | 1.88 |
Q1 2018 | 13.33 | 13.33 | 2.43 |
Q2 2018 | 14.77 | 14.77 | 2.66 |
Q3 2018 | 14.66 | 14.66 | 2.75 |
Q4 2018 | 37.75 | 15.51 | 2.94 |
Q1 2019 | 43.73 | 18.68 | 3.46 |
Q2 2019 | 42.62 | 18.36 | 3.50 |
Q3 2019 | 36.70 | 16.29 | 3.25 |
Q4 2019 | 16.10 | 16.10 | 3.19 |
Q1 2020 | 13.49 | 13.49 | 2.71 |
Q2 2020 | 14.33 | 14.33 | 2.73 |
Q3 2020 | 16.78 | 16.78 | 2.99 |
Q4 2020 | 17.37 | 17.37 | 3.17 |
Q1 2021 | 21.39 | 21.39 | 4.17 |
Q2 2021 | 21.82 | 21.82 | 4.65 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
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 |
2015 | 11.88 | 11.88 | 1.82 |
2016 | 12.62 | 12.62 | 1.97 |
2017 | 11.52 | 11.52 | 1.88 |
2018 | 37.75 | 15.51 | 2.94 |
2019 | 16.10 | 16.10 | 3.19 |
2020 | 17.37 | 17.37 | 3.17 |
Q2 2021
2021
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Investment Banking and Brokerage | Others |
---|---|---|---|---|---|
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 | - |
Q1 2016 | 2,687.48 | 387.37 | 447.63 | 172.57 | - |
Q2 2016 | 2,917.24 | 409.74 | 472.94 | 156.25 | - |
Q3 2016 | 2,823.92 | 605.71 | 322.21 | 126.01 | - |
Q4 2016 | 2,589.42 | 591.98 | 516.81 | 114.11 | - |
Q1 2017 | 2,932.19 | 689.54 | 109.86 | 121.49 | - |
Q2 2017 | 2,673.54 | 438.84 | 666.59 | 97.99 | - |
Q3 2017 | 2,787.15 | 602.89 | 482.72 | 103.61 | - |
Q4 2017 | 3,445.50 | 578.22 | 47.58 | 127.16 | - |
Q1 2018 | 2,770.66 | 580.10 | 653.28 | 138.37 | - |
Q2 2018 | 2,874.80 | 573.65 | 704.21 | 135.40 | - |
Q3 2018 | 2,968.91 | 575.21 | 722.65 | 116.59 | - |
Q4 2018 | 3,009.07 | 586.02 | 764.00 | 146.61 | - |
Q1 2019 | 3,164.28 | 638.35 | 733.97 | 102.34 | - |
Q2 2019 | 3,429.66 | 618.86 | 701.17 | 111.42 | - |
Q3 2019 | 3,500.25 | 627.28 | 755.75 | 97.96 | - |
Q4 2019 | 3,496.63 | 647.44 | 707.46 | 151.65 | - |
Q1 2020 | 3,470.22 | 631.90 | 750.56 | 114.88 | - |
Q2 2020 | 3,400.41 | 488.18 | 766.88 | 152.30 | - |
Q3 2020 | 2,996.99 | 740.72 | 1,155.71 | 258.72 | - |
Q4 2020 | 3,555.06 | 784.33 | 1,174.94 | 279.47 | - |
Q1 2021 | 3,500.80 | 744.34 | 1,408.57 | 293.87 | - |
Q2 2021 | 3,533.29 | 749.68 | 1,795.10 | 258.25 | - |
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Investment Banking and Brokerage | Others |
---|---|---|---|---|---|
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 | - |
2015 | 10,380.70 | 1,652.75 | 1,080.91 | 631.41 | - |
2016 | 11,018.06 | 1,994.79 | 1,759.59 | 568.95 | - |
2017 | 11,838.38 | 2,309.49 | 1,306.74 | 450.25 | - |
2018 | 11,623.44 | 2,314.98 | 2,844.13 | 536.97 | - |
2019 | 13,590.82 | 2,531.92 | 2,898.35 | 463.38 | - |
2020 | 13,361.37 | 2,614.69 | 3,939.83 | 805.37 | - |
Item | Q2 2021 (e) | Q2 2021 (a) | Change |
---|---|---|---|
Average | 3,492.94 | 3,604.69 | 3.20 % |
Item | Q2 2021 (e) | Q2 2021 (a) | Change |
---|---|---|---|
AlJazira Capital | 3,597.00 | 3,604.69 | 0.2 % |
Riyad Capital | 3,537.00 | 3,604.69 | 1.9 % |
SNB Capital | 3,477.00 | 3,604.69 | 3.7 % |
OSOOL AND BAKHEET | 3,435.70 | 3,604.69 | 4.9 % |
FAB Securities | 3,418.00 | 3,604.69 | 5.5 % |
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 |
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