Riyad Bank, Saudi Arabia's fourth-largest lender by assets, reported a net profit of SAR 3.05 billion in the first nine months of 2016, a 4.7 percent year-on-year (YoY) decline attributed to lower operating income as fees and commissions income fell. The decline was offset by an increase in net special commission income and exchange income.
Item | 9m 2015 | 9m 2016 | Change |
---|---|---|---|
Net Special Commission Income | 3,836.26 | 3,947.98 | 2.9 % |
Operating Income | 5,811.34 | 5,668.04 | (2.5 %) |
Total Provisions | (801.25) | (525.14) | 34.5 % |
Net Income | 3,198.38 | 3,049.12 | (4.7 %) |
Average Shares | 3,000.00 | 3,000.00 | - |
EPS (Riyals) | 1.07 | 1.02 | (4.7 %) |
EPS Diluted (Riyals) | 1.07 | 1.02 | (4.7 %) |
The bank’s net profit for the third quarter fell 19 percent YoY to SAR 729 million as operating expenses rose and operating income saw a marginal decline. The Q3 profit was 36.4 percent lower compared to the previous quarter.
Item | Q3 2015 | Q3 2016 | Change |
---|---|---|---|
Net Special Commission Income | 1,261.05 | 1,320.55 | 4.7 % |
Operating Income | 1,862.11 | 1,854.88 | (0.4 %) |
Debt Provisions | (358.11) | (335.22) | 6.4 % |
Net Income | 898.55 | 729.43 | (18.8 %) |
Average Shares | 3,000.00 | 3,000.00 | - |
EPS (Riyals) | 0.30 | 0.24 | (18.8 %) |
EPS Diluted (Riyal) | 0.30 | 0.24 | (20.0 %) |
Item | Q2 2016 | Q3 2016 | Change |
---|---|---|---|
Net Special Commission Income | 1,360.12 | 1,320.55 | (2.9 %) |
Operating Income | 2,026.99 | 1,854.88 | (8.5 %) |
Debt Provisions | (85.11) | (335.22) | (293.9 %) |
Net Income | 1,145.98 | 729.43 | (36.3 %) |
Average Shares | 3,000.00 | 3,000.00 | - |
EPS (Riyals) | 0.38 | 0.24 | (36.3 %) |
EPS Diluted (Riyal) | 0.38 | 0.24 | (36.8 %) |
Item | 9m 2015 | 9m 2016 | Change |
---|---|---|---|
Assets | 216.98 | 223.47 | 3.0 % |
Customer Deposits | 161.12 | 160.82 | (0.2 %) |
Loan | 138.46 | 152.63 | 10.2 % |
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
Q1 2007 | 770.42 | 6.2 % | 1,207.02 | (10.2 %) | (89.42) | (32.5 %) |
Q2 2007 | 825.30 | 7.4 % | 1,373.54 | 21.1 % | (59.55) | 16.7 % |
Q3 2007 | 836.78 | 16.7 % | 1,246.97 | 10.0 % | (75.88) | 5.7 % |
Q4 2007 | 833.88 | 16.6 % | 1,340.60 | 5.3 % | (120.68) | 21.2 % |
2007 | 3,266.38 | 11.6 % | 5,168.13 | 5.8 % | (345.53) | 7.2 % |
Q1 2008 | 980.52 | 27.3 % | 1,212.23 | 0.4 % | (52.15) | 41.7 % |
Q2 2008 | 985.19 | 19.4 % | 1,446.00 | 5.3 % | (47.18) | 20.8 % |
Q3 2008 | 1,012.53 | 21.0 % | 1,058.35 | (15.1 %) | (16.70) | 78.0 % |
Q4 2008 | 968.57 | 16.2 % | 1,531.78 | 14.3 % | (233.04) | (93.1 %) |
2008 | 3,946.81 | 20.8 % | 5,248.36 | 1.6 % | (349.07) | (1.0 %) |
Q1 2009 | 1,112.12 | 13.4 % | 1,459.36 | 20.4 % | (184.84) | (254.4 %) |
Q2 2009 | 1,147.72 | 16.5 % | 1,524.41 | 5.4 % | (95.51) | (102.4 %) |
Q3 2009 | 1,026.69 | 1.4 % | 1,400.83 | 32.4 % | (153.59) | (819.6 %) |
Q4 2009 | 1,060.65 | 9.5 % | 1,575.51 | 2.9 % | (184.60) | 20.8 % |
2009 | 4,347.19 | 10.1 % | 5,960.11 | 13.6 % | (618.54) | (77.2 %) |
Q1 2010 | 1,012.44 | (9.0 %) | 1,469.41 | 0.7 % | (278.99) | (50.9 %) |
Q2 2010 | 1,027.65 | (10.5 %) | 1,527.26 | 0.2 % | (196.16) | (105.4 %) |
Q3 2010 | 1,059.71 | 3.2 % | 1,498.16 | 6.9 % | (299.78) | (95.2 %) |
Q4 2010 | 1,041.98 | (1.8 %) | 1,485.62 | (5.7 %) | (160.15) | 13.2 % |
2010 | 4,141.79 | (4.7 %) | 5,980.45 | 0.3 % | (935.07) | (51.2 %) |
Q1 2011 | 984.01 | (2.8 %) | 1,526.84 | 3.9 % | (160.31) | 42.5 % |
Q2 2011 | 1,066.59 | 3.8 % | 1,569.68 | 2.8 % | (87.45) | 55.4 % |
Q3 2011 | 1,063.54 | 0.4 % | 1,572.56 | 5.0 % | (150.94) | 49.6 % |
Q4 2011 | 1,082.89 | 3.9 % | 1,606.72 | 8.2 % | (263.02) | (64.2 %) |
2011 | 4,197.03 | 1.3 % | 6,275.80 | 4.9 % | (661.71) | 29.2 % |
Q1 2012 | 1,068.47 | 8.6 % | 1,643.89 | 7.7 % | (152.87) | 4.6 % |
Q2 2012 | 1,095.22 | 2.7 % | 1,804.29 | 14.9 % | (386.55) | (342.0 %) |
Q3 2012 | 1,117.21 | 5.0 % | 1,667.72 | 6.1 % | (327.28) | (116.8 %) |
Q4 2012 | 1,100.58 | 1.6 % | 1,670.38 | 4.0 % | (312.95) | (19.0 %) |
2012 | 4,381.47 | 4.4 % | 6,786.27 | 8.1 % | (1,179.66) | (78.3 %) |
Q1 2013 | 1,089.59 | 2.0 % | 1,724.64 | 4.9 % | (191.13) | (25.0 %) |
Q2 2013 | 1,166.34 | 6.5 % | 1,815.48 | 0.6 % | (197.21) | 49.0 % |
Q3 2013 | 1,214.55 | 8.7 % | 1,738.69 | 4.3 % | (139.62) | 57.3 % |
Q4 2013 | 1,226.52 | 11.4 % | 1,795.22 | 7.5 % | (99.46) | 68.2 % |
2013 | 4,697.00 | 7.2 % | 7,074.02 | 4.2 % | (627.42) | 46.8 % |
Q1 2014 | 1,229.64 | 12.9 % | 1,932.04 | 12.0 % | (203.77) | (6.6 %) |
Q2 2014 | 1,256.38 | 7.7 % | 2,094.96 | 15.4 % | (262.98) | (33.3 %) |
Q3 2014 | 1,315.71 | 8.3 % | 1,990.25 | 14.5 % | (217.40) | (55.7 %) |
Q4 2014 | 1,328.51 | 8.3 % | 1,994.52 | 11.1 % | (215.92) | (117.1 %) |
2014 | 5,130.24 | 9.2 % | 8,011.77 | 13.3 % | (900.06) | (43.5 %) |
Q1 2015 | 1,281.74 | 4.2 % | 2,047.81 | 6.0 % | (127.80) | 37.3 % |
Q2 2015 | 1,293.48 | 3.0 % | 1,901.43 | (9.2 %) | (315.33) | (19.9 %) |
Q3 2015 | 1,261.05 | (4.2 %) | 1,862.11 | (6.4 %) | (358.11) | (64.7 %) |
Q4 2015 | 1,343.51 | 1.1 % | 1,888.02 | (5.3 %) | (229.49) | (6.3 %) |
2015 | 5,179.78 | 1.0 % | 7,699.36 | (3.9 %) | (1,030.74) | (14.5 %) |
Q1 2016 | 1,267.32 | (1.1 %) | 1,786.17 | (12.8 %) | (104.82) | 18.0 % |
Q2 2016 | 1,360.12 | 5.2 % | 2,026.99 | 6.6 % | (85.11) | 73.0 % |
Q3 2016 | 1,320.55 | 4.7 % | 1,854.88 | (0.4 %) | (335.22) | 6.4 % |
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
2006 | 2,926.05 | 9.5 % | 4,886.14 | 16.5 % | (372.49) | (75.7 %) |
2007 | 3,266.38 | 11.6 % | 5,168.13 | 5.8 % | (345.53) | 7.2 % |
2008 | 3,946.81 | 20.8 % | 5,248.36 | 1.6 % | (349.07) | (1.0 %) |
2009 | 4,347.19 | 10.1 % | 5,960.11 | 13.6 % | (618.54) | (77.2 %) |
2010 | 4,141.79 | (4.7 %) | 5,980.45 | 0.3 % | (935.07) | (51.2 %) |
2011 | 4,197.03 | 1.3 % | 6,275.80 | 4.9 % | (661.71) | 29.2 % |
2012 | 4,381.47 | 4.4 % | 6,786.27 | 8.1 % | (1,179.66) | (78.3 %) |
2013 | 4,697.00 | 7.2 % | 7,074.02 | 4.2 % | (627.42) | 46.8 % |
2014 | 5,130.24 | 9.2 % | 8,011.77 | 13.3 % | (900.06) | (43.5 %) |
2015 | 5,179.78 | 1.0 % | 7,699.36 | (3.9 %) | (1,030.74) | (14.5 %) |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
Q1 2007 | 655.05 | (24.9 %) | 0.27 | - | 655.05 | 0.27 |
Q2 2007 | 847.55 | 24.3 % | 0.35 | - | 847.55 | 0.35 |
Q3 2007 | 715.88 | 9.9 % | 0.30 | - | 715.88 | 0.30 |
Q4 2007 | 792.76 | 12.8 % | 0.33 | - | 792.76 | 0.33 |
2007 | 3,011.25 | 3.5 % | 1.25 | - | 3,011.25 | 1.25 |
Q1 2008 | 690.71 | 5.4 % | 0.29 | - | 690.71 | 0.29 |
Q2 2008 | 906.35 | 6.9 % | 0.30 | - | 906.35 | 0.30 |
Q3 2008 | 512.55 | (28.4 %) | 0.17 | - | 512.55 | 0.17 |
Q4 2008 | 529.15 | (33.3 %) | 0.18 | - | 529.15 | 0.18 |
2008 | 2,638.76 | (12.4 %) | 0.88 | - | 2,638.76 | 0.88 |
Q1 2009 | 441.06 | (36.1 %) | 0.15 | - | 441.06 | 0.15 |
Q2 2009 | 918.00 | 1.3 % | 0.31 | - | 918.00 | 0.31 |
Q3 2009 | 759.38 | 48.2 % | 0.25 | - | 759.38 | 0.25 |
Q4 2009 | 912.04 | 72.4 % | 0.30 | - | 912.04 | 0.30 |
2009 | 3,030.49 | 14.8 % | 1.01 | - | 3,030.49 | 1.01 |
Q1 2010 | 684.46 | 55.2 % | 0.23 | - | 684.46 | 0.23 |
Q2 2010 | 765.80 | (16.6 %) | 0.26 | - | 765.80 | 0.26 |
Q3 2010 | 610.76 | (19.6 %) | 0.20 | - | 610.76 | 0.20 |
Q4 2010 | 763.60 | (16.3 %) | 0.25 | - | 763.60 | 0.25 |
2010 | 2,824.63 | (6.8 %) | 0.94 | - | 2,824.63 | 0.94 |
Q1 2011 | 741.24 | 8.3 % | 0.25 | - | 741.24 | 0.25 |
Q2 2011 | 835.99 | 9.2 % | 0.28 | - | 835.99 | 0.28 |
Q3 2011 | 794.28 | 30.0 % | 0.26 | - | 794.28 | 0.26 |
Q4 2011 | 777.85 | 1.9 % | 0.26 | - | 777.85 | 0.26 |
2011 | 3,149.35 | 11.5 % | 1.05 | - | 3,149.35 | 1.05 |
Q1 2012 | 901.48 | 21.6 % | 0.30 | - | 901.48 | 0.30 |
Q2 2012 | 914.40 | 9.4 % | 0.30 | - | 914.40 | 0.30 |
Q3 2012 | 840.03 | 5.8 % | 0.28 | - | 840.03 | 0.28 |
Q4 2012 | 810.13 | 4.2 % | 0.27 | - | 810.13 | 0.27 |
2012 | 3,466.05 | 10.1 % | 1.16 | - | 3,466.05 | 1.16 |
Q1 2013 | 950.98 | 5.5 % | 0.32 | - | 950.98 | 0.32 |
Q2 2013 | 967.91 | 5.9 % | 0.32 | - | 967.91 | 0.32 |
Q3 2013 | 997.93 | 18.8 % | 0.33 | - | 997.93 | 0.33 |
Q4 2013 | 1,030.29 | 27.2 % | 0.34 | - | 1,030.29 | 0.34 |
2013 | 3,947.11 | 13.9 % | 1.32 | - | 3,947.11 | 1.32 |
Q1 2014 | 1,079.45 | 13.5 % | 0.36 | - | 1,079.45 | 0.36 |
Q2 2014 | 1,136.26 | 17.4 % | 0.38 | - | 1,136.26 | 0.38 |
Q3 2014 | 1,076.29 | 7.9 % | 0.36 | - | 1,076.29 | 0.36 |
Q4 2014 | 1,060.41 | 2.9 % | 0.35 | - | 1,060.41 | 0.35 |
2014 | 4,352.41 | 10.3 % | 1.45 | - | 4,352.41 | 1.45 |
Q1 2015 | 1,171.60 | 8.5 % | 0.39 | - | 1,171.60 | 0.39 |
Q2 2015 | 1,128.23 | (0.7 %) | 0.38 | 266.60 | 861.63 | 0.29 |
Q3 2015 | 898.55 | (16.5 %) | 0.30 | - | 898.55 | 0.30 |
Q4 2015 | 851.10 | (19.7 %) | 0.28 | - | 851.10 | 0.28 |
2015 | 4,049.48 | (7.0 %) | 1.35 | 266.60 | 3,782.88 | 1.26 |
Q1 2016 | 1,173.72 | 0.2 % | 0.39 | 201.00 | 972.72 | 0.32 |
Q2 2016 | 1,145.98 | 1.6 % | 0.38 | - | 1,145.98 | 0.38 |
Q3 2016 | 729.43 | (18.8 %) | 0.24 | - | 729.43 | 0.24 |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
2006 | 2,908.55 | 2.5 % | 1.21 | - | 2,908.55 | 1.21 |
2007 | 3,011.25 | 3.5 % | 1.25 | - | 3,011.25 | 1.25 |
2008 | 2,638.76 | (12.4 %) | 0.88 | - | 2,638.76 | 0.88 |
2009 | 3,030.49 | 14.8 % | 1.01 | - | 3,030.49 | 1.01 |
2010 | 2,824.63 | (6.8 %) | 0.94 | - | 2,824.63 | 0.94 |
2011 | 3,149.35 | 11.5 % | 1.05 | - | 3,149.35 | 1.05 |
2012 | 3,466.05 | 10.1 % | 1.16 | - | 3,466.05 | 1.16 |
2013 | 3,947.11 | 13.9 % | 1.32 | - | 3,947.11 | 1.32 |
2014 | 4,352.41 | 10.3 % | 1.45 | - | 4,352.41 | 1.45 |
2015 | 4,049.48 | (7.0 %) | 1.35 | 266.60 | 3,782.88 | 1.26 |
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
Q1 2007 | 2.97 % | 23.90 % | 62.56 % |
Q2 2007 | 2.99 % | 26.06 % | 60.70 % |
Q3 2007 | 2.97 % | 24.85 % | 61.70 % |
Q4 2007 | 2.80 % | 23.92 % | 63.20 % |
2007 | 2.80 % | 23.92 % | 63.20 % |
Q1 2008 | 2.67 % | 24.97 % | 67.20 % |
Q2 2008 | 2.56 % | 16.80 % | 69.32 % |
Q3 2008 | 2.32 % | 15.30 % | 75.38 % |
Q4 2008 | 1.88 % | 13.57 % | 75.20 % |
2008 | 1.88 % | 13.57 % | 75.20 % |
Q1 2009 | 1.58 % | 12.51 % | 74.21 % |
Q2 2009 | 1.52 % | 9.17 % | 76.09 % |
Q3 2009 | 1.65 % | 10.02 % | 71.92 % |
Q4 2009 | 1.80 % | 11.24 % | 72.94 % |
2009 | 1.80 % | 11.24 % | 72.94 % |
Q1 2010 | 1.92 % | 12.32 % | 71.15 % |
Q2 2010 | 1.82 % | 11.30 % | 69.10 % |
Q3 2010 | 1.71 % | 10.69 % | 68.54 % |
Q4 2010 | 1.61 % | 9.83 % | 69.26 % |
2010 | 1.61 % | 9.83 % | 69.26 % |
Q1 2011 | 1.62 % | 10.17 % | 68.13 % |
Q2 2011 | 1.70 % | 10.14 % | 68.29 % |
Q3 2011 | 1.78 % | 10.82 % | 67.53 % |
Q4 2011 | 1.78 % | 10.61 % | 66.88 % |
2011 | 1.78 % | 10.61 % | 66.88 % |
Q1 2012 | 1.82 % | 11.18 % | 66.97 % |
Q2 2012 | 1.89 % | 11.16 % | 65.03 % |
Q3 2012 | 1.92 % | 11.34 % | 64.91 % |
Q4 2012 | 1.87 % | 11.16 % | 64.56 % |
2012 | 1.87 % | 11.16 % | 64.56 % |
Q1 2013 | 1.90 % | 11.31 % | 64.11 % |
Q2 2013 | 1.92 % | 11.40 % | 65.04 % |
Q3 2013 | 1.97 % | 11.72 % | 65.78 % |
Q4 2013 | 2.00 % | 11.99 % | 66.40 % |
2013 | 2.00 % | 11.99 % | 66.40 % |
Q1 2014 | 2.05 % | 12.43 % | 66.43 % |
Q2 2014 | 2.09 % | 12.97 % | 65.17 % |
Q3 2014 | 2.06 % | 12.82 % | 64.36 % |
Q4 2014 | 2.07 % | 12.54 % | 64.03 % |
2014 | 2.07 % | 12.54 % | 64.03 % |
Q1 2015 | 2.08 % | 12.61 % | 63.76 % |
Q2 2015 | 2.03 % | 12.61 % | 65.79 % |
Q3 2015 | 1.96 % | 12.06 % | 66.17 % |
Q4 2015 | 1.85 % | 11.24 % | 67.28 % |
2015 | 1.85 % | 11.24 % | 67.28 % |
Q1 2016 | 1.83 % | 10.95 % | 69.45 % |
Q2 2016 | 1.81 % | 11.00 % | 69.18 % |
Q3 2016 | 1.77 % | 10.71 % | 70.03 % |
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
2006 | 3.34 % | 25.34 % | 59.88 % |
2007 | 2.80 % | 23.92 % | 63.20 % |
2008 | 1.88 % | 13.57 % | 75.20 % |
2009 | 1.80 % | 11.24 % | 72.94 % |
2010 | 1.61 % | 9.83 % | 69.26 % |
2011 | 1.78 % | 10.61 % | 66.88 % |
2012 | 1.87 % | 11.16 % | 64.56 % |
2013 | 2.00 % | 11.99 % | 66.40 % |
2014 | 2.07 % | 12.54 % | 64.03 % |
2015 | 1.85 % | 11.24 % | 67.28 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
Q1 2007 | 94.18 | 8.3 % | 71.35 | 17.2 % | 52.71 | 7.5 % |
Q2 2007 | 98.45 | 6.5 % | 71.99 | 5.0 % | 57.18 | 14.2 % |
Q3 2007 | 105.28 | 15.2 % | 76.40 | 10.8 % | 64.84 | 28.2 % |
Q4 2007 | 121.35 | 29.1 % | 84.33 | 21.9 % | 67.34 | 29.0 % |
Q1 2008 | 134.35 | 42.7 % | 96.75 | 35.6 % | 70.82 | 34.4 % |
Q2 2008 | 144.13 | 46.4 % | 88.47 | 22.9 % | 82.30 | 43.9 % |
Q3 2008 | 145.15 | 37.9 % | 87.66 | 14.7 % | 90.10 | 39.0 % |
Q4 2008 | 159.65 | 31.6 % | 105.06 | 24.6 % | 96.43 | 43.2 % |
Q1 2009 | 167.22 | 24.5 % | 119.20 | 23.2 % | 100.17 | 41.4 % |
Q2 2009 | 172.77 | 19.9 % | 122.07 | 38.0 % | 104.58 | 27.1 % |
Q3 2009 | 175.68 | 21.0 % | 119.46 | 36.3 % | 106.06 | 17.7 % |
Q4 2009 | 176.40 | 10.5 % | 125.28 | 19.2 % | 106.51 | 10.5 % |
Q1 2010 | 174.29 | 4.2 % | 128.11 | 7.5 % | 106.28 | 6.1 % |
Q2 2010 | 169.34 | (2.0 %) | 124.10 | 1.7 % | 104.74 | 0.2 % |
Q3 2010 | 171.72 | (2.3 %) | 124.24 | 4.0 % | 105.04 | (1.0 %) |
Q4 2010 | 173.56 | (1.6 %) | 126.95 | 1.3 % | 106.03 | (0.5 %) |
Q1 2011 | 180.72 | 3.7 % | 133.14 | 3.9 % | 109.36 | 2.9 % |
Q2 2011 | 177.53 | 4.8 % | 132.40 | 6.7 % | 110.58 | 5.6 % |
Q3 2011 | 180.37 | 5.0 % | 132.33 | 6.5 % | 112.14 | 6.8 % |
Q4 2011 | 180.89 | 4.2 % | 139.82 | 10.1 % | 112.97 | 6.5 % |
Q1 2012 | 183.39 | 1.5 % | 139.54 | 4.8 % | 113.69 | 4.0 % |
Q2 2012 | 180.64 | 1.7 % | 137.06 | 3.5 % | 115.09 | 4.1 % |
Q3 2012 | 177.10 | (1.8 %) | 134.93 | 2.0 % | 115.29 | 2.8 % |
Q4 2012 | 190.18 | 5.1 % | 146.21 | 4.6 % | 117.47 | 4.0 % |
Q1 2013 | 186.45 | 1.7 % | 143.96 | 3.2 % | 120.92 | 6.4 % |
Q2 2013 | 191.63 | 6.1 % | 147.88 | 7.9 % | 126.19 | 9.6 % |
Q3 2013 | 201.80 | 13.9 % | 154.19 | 14.3 % | 129.90 | 12.7 % |
Q4 2013 | 205.25 | 7.9 % | 153.20 | 4.8 % | 131.19 | 11.7 % |
Q1 2014 | 211.41 | 13.4 % | 159.95 | 11.1 % | 136.77 | 13.1 % |
Q2 2014 | 213.99 | 11.7 % | 160.10 | 8.3 % | 140.77 | 11.6 % |
Q3 2014 | 217.07 | 7.6 % | 161.64 | 4.8 % | 140.70 | 8.3 % |
Q4 2014 | 214.59 | 4.6 % | 164.08 | 7.1 % | 133.49 | 1.8 % |
Q1 2015 | 216.53 | 2.4 % | 165.02 | 3.2 % | 138.04 | 0.9 % |
Q2 2015 | 222.48 | 4.0 % | 167.07 | 4.4 % | 137.10 | (2.6 %) |
Q3 2015 | 216.98 | 0.0 % | 161.12 | (0.3 %) | 138.46 | (1.6 %) |
Q4 2015 | 223.32 | 4.1 % | 167.85 | 2.3 % | 145.07 | 8.7 % |
Q1 2016 | 227.00 | 4.8 % | 165.76 | 0.4 % | 152.56 | 10.5 % |
Q2 2016 | 227.78 | 2.4 % | 164.04 | (1.8 %) | 154.67 | 12.8 % |
Q3 2016 | 223.47 | 3.0 % | 160.82 | (0.2 %) | 152.63 | 10.2 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
3m 2007 | 94.18 | 8.3 % | 71.35 | 17.2 % | 52.71 | 7.5 % |
6m 2007 | 98.45 | 6.5 % | 71.99 | 5.0 % | 57.18 | 14.2 % |
9m 2007 | 105.28 | 15.2 % | 76.40 | 10.8 % | 64.84 | 28.2 % |
12m 2007 | 121.35 | 29.1 % | 84.33 | 21.9 % | 67.34 | 29.0 % |
3m 2008 | 134.35 | 42.7 % | 96.75 | 35.6 % | 70.82 | 34.4 % |
6m 2008 | 144.13 | 46.4 % | 88.47 | 22.9 % | 82.30 | 43.9 % |
9m 2008 | 145.15 | 37.9 % | 87.66 | 14.7 % | 90.10 | 39.0 % |
12m 2008 | 159.65 | 31.6 % | 105.06 | 24.6 % | 96.43 | 43.2 % |
3m 2009 | 167.22 | 24.5 % | 119.20 | 23.2 % | 100.17 | 41.4 % |
6m 2009 | 172.77 | 19.9 % | 122.07 | 38.0 % | 104.58 | 27.1 % |
9m 2009 | 175.68 | 21.0 % | 119.46 | 36.3 % | 106.06 | 17.7 % |
12m 2009 | 176.40 | 10.5 % | 125.28 | 19.2 % | 106.51 | 10.5 % |
3m 2010 | 174.29 | 4.2 % | 128.11 | 7.5 % | 106.28 | 6.1 % |
6m 2010 | 169.34 | (2.0 %) | 124.10 | 1.7 % | 104.74 | 0.2 % |
9m 2010 | 171.72 | (2.3 %) | 124.24 | 4.0 % | 105.04 | (1.0 %) |
12m 2010 | 173.56 | (1.6 %) | 126.95 | 1.3 % | 106.03 | (0.5 %) |
3m 2011 | 180.72 | 3.7 % | 133.14 | 3.9 % | 109.36 | 2.9 % |
6m 2011 | 177.53 | 4.8 % | 132.40 | 6.7 % | 110.58 | 5.6 % |
9m 2011 | 180.37 | 5.0 % | 132.33 | 6.5 % | 112.14 | 6.8 % |
12m 2011 | 180.89 | 4.2 % | 139.82 | 10.1 % | 112.97 | 6.5 % |
3m 2012 | 183.39 | 1.5 % | 139.54 | 4.8 % | 113.69 | 4.0 % |
6m 2012 | 180.64 | 1.7 % | 137.06 | 3.5 % | 115.09 | 4.1 % |
9m 2012 | 177.10 | (1.8 %) | 134.93 | 2.0 % | 115.29 | 2.8 % |
12m 2012 | 190.18 | 5.1 % | 146.21 | 4.6 % | 117.47 | 4.0 % |
3m 2013 | 186.45 | 1.7 % | 143.96 | 3.2 % | 120.92 | 6.4 % |
6m 2013 | 191.63 | 6.1 % | 147.88 | 7.9 % | 126.19 | 9.6 % |
9m 2013 | 201.80 | 13.9 % | 154.19 | 14.3 % | 129.90 | 12.7 % |
12m 2013 | 205.25 | 7.9 % | 153.20 | 4.8 % | 131.19 | 11.7 % |
3m 2014 | 211.41 | 13.4 % | 159.95 | 11.1 % | 136.77 | 13.1 % |
6m 2014 | 213.99 | 11.7 % | 160.10 | 8.3 % | 140.77 | 11.6 % |
9m 2014 | 217.07 | 7.6 % | 161.64 | 4.8 % | 140.70 | 8.3 % |
12m 2014 | 214.59 | 4.6 % | 164.08 | 7.1 % | 133.49 | 1.8 % |
3m 2015 | 216.53 | 2.4 % | 165.02 | 3.2 % | 138.04 | 0.9 % |
6m 2015 | 222.48 | 4.0 % | 167.07 | 4.4 % | 137.10 | (2.6 %) |
9m 2015 | 216.98 | 0.0 % | 161.12 | (0.3 %) | 138.46 | (1.6 %) |
12m 2015 | 223.32 | 4.1 % | 167.85 | 2.3 % | 145.07 | 8.7 % |
3m 2016 | 227.00 | 4.8 % | 165.76 | 0.4 % | 152.56 | 10.5 % |
6m 2016 | 227.78 | 2.4 % | 164.04 | (1.8 %) | 154.67 | 12.8 % |
9m 2016 | 223.47 | 3.0 % | 160.82 | (0.2 %) | 152.63 | 10.2 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
2006 | 94.02 | 17.4 % | 69.19 | 31.2 % | 52.18 | 14.4 % |
2007 | 121.35 | 29.1 % | 84.33 | 21.9 % | 67.34 | 29.0 % |
2008 | 159.65 | 31.6 % | 105.06 | 24.6 % | 96.43 | 43.2 % |
2009 | 176.40 | 10.5 % | 125.28 | 19.2 % | 106.51 | 10.5 % |
2010 | 173.56 | (1.6 %) | 126.95 | 1.3 % | 106.03 | (0.5 %) |
2011 | 180.89 | 4.2 % | 139.82 | 10.1 % | 112.97 | 6.5 % |
2012 | 190.18 | 5.1 % | 146.21 | 4.6 % | 117.47 | 4.0 % |
2013 | 205.25 | 7.9 % | 153.20 | 4.8 % | 131.19 | 11.7 % |
2014 | 214.59 | 4.6 % | 164.08 | 7.1 % | 133.49 | 1.8 % |
2015 | 223.32 | 4.1 % | 167.85 | 2.3 % | 145.07 | 8.7 % |
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
Q1 2007 | 75.76 % | 55.97 % | 73.87 % |
Q2 2007 | 73.13 % | 58.08 % | 79.43 % |
Q3 2007 | 72.57 % | 61.59 % | 84.88 % |
Q4 2007 | 69.49 % | 55.49 % | 79.85 % |
Q1 2008 | 72.01 % | 52.71 % | 73.20 % |
Q2 2008 | 61.38 % | 57.10 % | 93.02 % |
Q3 2008 | 60.39 % | 62.07 % | 102.78 % |
Q4 2008 | 65.80 % | 60.40 % | 91.79 % |
Q1 2009 | 71.29 % | 59.91 % | 84.04 % |
Q2 2009 | 70.66 % | 60.53 % | 85.67 % |
Q3 2009 | 68.00 % | 60.37 % | 88.78 % |
Q4 2009 | 71.02 % | 60.38 % | 85.02 % |
Q1 2010 | 73.50 % | 60.98 % | 82.96 % |
Q2 2010 | 73.29 % | 61.86 % | 84.40 % |
Q3 2010 | 72.35 % | 61.17 % | 84.55 % |
Q4 2010 | 73.14 % | 61.10 % | 83.53 % |
Q1 2011 | 73.67 % | 60.51 % | 82.14 % |
Q2 2011 | 74.58 % | 62.28 % | 83.51 % |
Q3 2011 | 73.37 % | 62.17 % | 84.74 % |
Q4 2011 | 77.30 % | 62.45 % | 80.80 % |
Q1 2012 | 76.09 % | 62.00 % | 81.48 % |
Q2 2012 | 75.87 % | 63.71 % | 83.97 % |
Q3 2012 | 76.19 % | 65.10 % | 85.44 % |
Q4 2012 | 76.88 % | 61.77 % | 80.34 % |
Q1 2013 | 77.21 % | 64.85 % | 83.99 % |
Q2 2013 | 77.17 % | 65.85 % | 85.33 % |
Q3 2013 | 76.41 % | 64.37 % | 84.25 % |
Q4 2013 | 74.64 % | 63.92 % | 85.63 % |
Q1 2014 | 75.66 % | 64.70 % | 85.51 % |
Q2 2014 | 74.82 % | 65.78 % | 87.93 % |
Q3 2014 | 74.47 % | 64.82 % | 87.05 % |
Q4 2014 | 76.46 % | 62.21 % | 81.36 % |
Q1 2015 | 76.21 % | 63.75 % | 83.65 % |
Q2 2015 | 75.10 % | 61.62 % | 82.06 % |
Q3 2015 | 74.26 % | 63.82 % | 85.94 % |
Q4 2015 | 75.16 % | 64.96 % | 86.42 % |
Q1 2016 | 73.02 % | 67.21 % | 92.04 % |
Q2 2016 | 72.02 % | 67.90 % | 94.28 % |
Q3 2016 | 71.96 % | 68.30 % | 94.91 % |
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
2006 | 73.60 % | 55.50 % | 75.42 % |
2007 | 69.49 % | 55.49 % | 79.85 % |
2008 | 65.80 % | 60.40 % | 91.79 % |
2009 | 71.02 % | 60.38 % | 85.02 % |
2010 | 73.14 % | 61.10 % | 83.53 % |
2011 | 77.30 % | 62.45 % | 80.80 % |
2012 | 76.88 % | 61.77 % | 80.34 % |
2013 | 74.64 % | 63.92 % | 85.63 % |
2014 | 76.46 % | 62.21 % | 81.36 % |
2015 | 75.16 % | 64.96 % | 86.42 % |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
Q1 2007 | 2,402.84 | 1.12 | 1.12 | - | 4.82 |
Q2 2007 | 2,402.84 | 1.19 | 1.19 | - | 4.74 |
Q3 2007 | 2,402.84 | 1.22 | 1.22 | - | 5.08 |
Q4 2007 | 2,402.84 | 1.25 | 1.25 | - | 5.49 |
Q1 2008 | 2,402.84 | 1.27 | 1.27 | - | 5.34 |
Q2 2008 | 3,000.00 | 1.04 | 1.04 | - | 8.53 |
Q3 2008 | 3,000.00 | 0.97 | 0.97 | - | 8.57 |
Q4 2008 | 3,000.00 | 0.88 | 0.88 | - | 8.56 |
Q1 2009 | 3,000.00 | 0.80 | 0.80 | - | 8.45 |
Q2 2009 | 3,000.00 | 0.80 | 0.80 | - | 8.92 |
Q3 2009 | 3,000.00 | 0.88 | 0.88 | - | 9.05 |
Q4 2009 | 3,000.00 | 1.01 | 1.01 | - | 9.41 |
Q1 2010 | 3,000.00 | 1.09 | 1.09 | - | 9.27 |
Q2 2010 | 3,000.00 | 1.04 | 1.04 | - | 9.50 |
Q3 2010 | 3,000.00 | 0.99 | 0.99 | - | 9.49 |
Q4 2010 | 3,000.00 | 0.94 | 0.94 | - | 9.74 |
Q1 2011 | 3,000.00 | 0.96 | 0.96 | - | 9.62 |
Q2 2011 | 3,000.00 | 0.98 | 0.98 | - | 9.91 |
Q3 2011 | 3,000.00 | 1.05 | 1.05 | - | 9.84 |
Q4 2011 | 3,000.00 | 1.05 | 1.05 | - | 10.05 |
Q1 2012 | 3,000.00 | 1.10 | 1.10 | - | 10.11 |
Q2 2012 | 3,000.00 | 1.13 | 1.13 | - | 10.32 |
Q3 2012 | 3,000.00 | 1.14 | 1.14 | - | 10.35 |
Q4 2012 | 3,000.00 | 1.16 | 1.16 | - | 10.65 |
Q1 2013 | 3,000.00 | 1.17 | 1.17 | - | 10.61 |
Q2 2013 | 3,000.00 | 1.19 | 1.19 | - | 10.54 |
Q3 2013 | 3,000.00 | 1.24 | 1.24 | - | 10.85 |
Q4 2013 | 3,000.00 | 1.32 | 1.32 | - | 11.29 |
Q1 2014 | 3,000.00 | 1.36 | 1.36 | - | 11.25 |
Q2 2014 | 3,000.00 | 1.41 | 1.41 | - | 11.27 |
Q3 2014 | 3,000.00 | 1.44 | 1.44 | - | 11.62 |
Q4 2014 | 3,000.00 | 1.45 | 1.45 | 1.45 | 11.85 |
Q1 2015 | 3,000.00 | 1.48 | 1.48 | 1.48 | 12.25 |
Q2 2015 | 3,000.00 | 1.48 | 1.39 | 1.48 | 12.19 |
Q3 2015 | 3,000.00 | 1.42 | 1.33 | 1.42 | 11.92 |
Q4 2015 | 3,000.00 | 1.35 | 1.26 | 1.35 | 12.18 |
Q1 2016 | 3,000.00 | 1.35 | 1.19 | 1.35 | 12.42 |
Q2 2016 | 3,000.00 | 1.36 | 1.29 | 1.35 | 12.47 |
Q3 2016 | 3,000.00 | 1.30 | 1.23 | 1.29 | 12.35 |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
2006 | 2,402.84 | 1.21 | 1.21 | - | 4.99 |
2007 | 2,402.84 | 1.25 | 1.25 | - | 5.49 |
2008 | 3,000.00 | 0.88 | 0.88 | - | 8.56 |
2009 | 3,000.00 | 1.01 | 1.01 | - | 9.41 |
2010 | 3,000.00 | 0.94 | 0.94 | - | 9.74 |
2011 | 3,000.00 | 1.05 | 1.05 | - | 10.05 |
2012 | 3,000.00 | 1.16 | 1.16 | - | 10.65 |
2013 | 3,000.00 | 1.32 | 1.32 | - | 11.29 |
2014 | 3,000.00 | 1.45 | 1.45 | 1.45 | 11.85 |
2015 | 3,000.00 | 1.35 | 1.26 | 1.35 | 12.18 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
Q1 2007 | 16.10 | 16.10 | 3.74 |
Q2 2007 | 14.68 | 14.68 | 3.69 |
Q3 2007 | 16.16 | 16.16 | 3.86 |
Q4 2007 | 24.62 | 24.62 | 5.62 |
Q1 2008 | 20.23 | 20.23 | 4.80 |
Q2 2008 | 17.15 | 17.15 | 2.08 |
Q3 2008 | 16.18 | 16.18 | 1.83 |
Q4 2008 | 12.05 | 12.05 | 1.24 |
Q1 2009 | 12.87 | 12.87 | 1.21 |
Q2 2009 | 15.35 | 15.35 | 1.38 |
Q3 2009 | 16.94 | 16.94 | 1.65 |
Q4 2009 | 13.31 | 13.31 | 1.43 |
Q1 2010 | 13.97 | 13.97 | 1.65 |
Q2 2010 | 13.50 | 13.50 | 1.48 |
Q3 2010 | 14.28 | 14.28 | 1.49 |
Q4 2010 | 14.13 | 14.13 | 1.36 |
Q1 2011 | 13.74 | 13.74 | 1.37 |
Q2 2011 | 12.02 | 12.02 | 1.19 |
Q3 2011 | 11.32 | 11.32 | 1.20 |
Q4 2011 | 11.10 | 11.10 | 1.16 |
Q1 2012 | 11.69 | 11.69 | 1.28 |
Q2 2012 | 10.18 | 10.18 | 1.11 |
Q3 2012 | 9.92 | 9.92 | 1.10 |
Q4 2012 | 9.95 | 9.95 | 1.08 |
Q1 2013 | 9.77 | 9.77 | 1.08 |
Q2 2013 | 10.46 | 10.46 | 1.18 |
Q3 2013 | 10.59 | 10.59 | 1.21 |
Q4 2013 | 11.10 | 11.10 | 1.29 |
Q1 2014 | 12.84 | 12.84 | 1.55 |
Q2 2014 | 12.69 | 12.69 | 1.59 |
Q3 2014 | 14.65 | 14.65 | 1.82 |
Q4 2014 | 11.72 | 11.72 | 1.43 |
Q1 2015 | 11.36 | 11.36 | 1.37 |
Q2 2015 | 11.26 | 11.98 | 1.37 |
Q3 2015 | 9.87 | 10.53 | 1.18 |
Q4 2015 | 9.20 | 9.85 | 1.02 |
Q1 2016 | 8.33 | 9.42 | 0.91 |
Q2 2016 | 8.10 | 8.52 | 0.88 |
Q3 2016 | 7.76 | 8.18 | 0.81 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
2006 | 17.31 | 17.31 | 4.20 |
2007 | 24.62 | 24.62 | 5.62 |
2008 | 12.05 | 12.05 | 1.24 |
2009 | 13.31 | 13.31 | 1.43 |
2010 | 14.13 | 14.13 | 1.36 |
2011 | 11.10 | 11.10 | 1.16 |
2012 | 9.95 | 9.95 | 1.08 |
2013 | 11.10 | 11.10 | 1.29 |
2014 | 11.72 | 11.72 | 1.43 |
2015 | 9.20 | 9.85 | 1.02 |
Q3 2016
2016
Period | Corporate and Institutional Banking | Retail | Trade and other business | Investment Banking and Brokerage | Others |
---|---|---|---|---|---|
Q1 2007 | 403.82 | 511.96 | 183.86 | - | 107.37 |
Q2 2007 | 518.82 | 502.76 | 243.71 | - | 108.25 |
Q3 2007 | 520.89 | 524.01 | 106.32 | - | 95.75 |
Q4 2007 | 461.08 | 561.37 | 206.98 | - | 111.17 |
Q1 2008 | 597.99 | 499.80 | (72.41) | 67.68 | 119.17 |
Q2 2008 | 542.56 | 485.49 | 190.47 | 110.43 | 117.05 |
Q3 2008 | 560.18 | 462.30 | (326.35) | 99.38 | 262.83 |
Q4 2008 | 358.14 | 379.30 | 391.39 | 66.94 | 336.00 |
Q1 2009 | 543.46 | 404.68 | 112.81 | 45.18 | 353.24 |
Q2 2009 | 661.63 | 442.30 | 53.16 | 64.67 | 302.65 |
Q3 2009 | 655.93 | 389.83 | (0.25) | 46.33 | 309.00 |
Q4 2009 | 657.71 | 428.86 | (31.26) | 82.33 | 437.87 |
Q1 2010 | 645.79 | 396.76 | 152.93 | 52.71 | 221.22 |
Q2 2010 | 596.25 | 441.75 | 214.00 | 70.11 | 205.15 |
Q3 2010 | 592.32 | 442.06 | 261.22 | 48.11 | 154.46 |
Q4 2010 | 614.60 | 375.11 | 223.17 | 58.55 | 214.19 |
Q1 2011 | 666.58 | 454.30 | 64.92 | 70.63 | 270.42 |
Q2 2011 | 741.78 | 516.95 | 468.40 | 80.77 | (238.22) |
Q3 2011 | 724.26 | 444.10 | 274.09 | 69.30 | 60.80 |
Q4 2011 | 723.67 | 506.07 | 262.36 | 76.83 | 37.80 |
Q1 2012 | 679.04 | 509.01 | 230.75 | 109.10 | 115.98 |
Q2 2012 | 762.63 | 531.61 | 415.54 | 91.62 | 2.90 |
Q3 2012 | 775.24 | 448.93 | 263.35 | 78.57 | 101.61 |
Q4 2012 | 726.82 | 517.09 | 240.89 | 74.23 | 111.34 |
Q1 2013 | 742.94 | 526.07 | 318.13 | 86.74 | 50.77 |
Q2 2013 | 832.84 | 629.02 | 258.35 | 88.54 | 6.73 |
Q3 2013 | 791.26 | 604.78 | 255.57 | 84.63 | 2.45 |
Q4 2013 | 845.08 | 613.48 | 209.64 | 92.89 | 34.14 |
Q1 2014 | 923.48 | 587.96 | 269.14 | 92.29 | 59.18 |
Q2 2014 | 889.64 | 681.85 | 334.94 | 113.23 | 75.32 |
Q3 2014 | 858.09 | 615.03 | 349.86 | 102.37 | 64.91 |
Q4 2014 | 950.36 | 617.23 | 242.76 | 100.75 | 83.42 |
Q1 2015 | 939.86 | 652.58 | 326.35 | 92.89 | 36.12 |
Q2 2015 | 886.75 | 658.54 | 251.82 | 103.87 | 267.05 |
Q3 2015 | 783.54 | 635.58 | 374.95 | 73.52 | (5.48) |
Q4 2015 | 758.45 | 785.92 | 177.09 | 92.85 | 73.72 |
Q1 2016 | 784.82 | 646.82 | 173.87 | 71.64 | 310.02 |
Q2 2016 | 689.06 | 645.57 | 418.92 | 81.80 | 191.64 |
Q3 2016 | 678.28 | 541.65 | 360.81 | 60.72 | 213.42 |
Period | Corporate and Institutional Banking | Retail | Trade and other business | Investment Banking and Brokerage | Others |
---|---|---|---|---|---|
2006 | 1,187.77 | 2,252.53 | 995.59 | - | 450.25 |
2007 | 1,904.62 | 2,100.09 | 740.88 | - | 422.54 |
2008 | 2,058.87 | 1,826.90 | 183.10 | 344.44 | 835.06 |
2009 | 2,518.72 | 1,665.67 | 134.46 | 238.51 | 1,402.75 |
2010 | 2,448.96 | 1,655.68 | 851.32 | 229.48 | 795.02 |
2011 | 2,856.30 | 1,921.41 | 1,069.76 | 297.53 | 130.80 |
2012 | 2,943.74 | 2,006.64 | 1,150.53 | 353.52 | 331.83 |
2013 | 3,212.11 | 2,373.35 | 1,041.68 | 352.79 | 94.09 |
2014 | 3,621.56 | 2,502.06 | 1,196.69 | 408.64 | 282.82 |
2015 | 3,368.60 | 2,732.62 | 1,130.21 | 363.13 | 371.41 |
Item | Q3 2016 (e) | Q3 2016 (a) | Change |
---|---|---|---|
Average | 1,008.55 | 729.43 | (27.7 %) |
Item | Q3 2016 (e) | Q3 2016 (a) | Change |
---|---|---|---|
OSOOL AND BAKHEET | 911.50 | 729.43 | (20.0) % |
SNB Capital | 943.00 | 729.43 | (22.6) % |
Alistithmar Capital | 1,046.70 | 729.43 | (30.3) % |
Sico | 1,133.00 | 729.43 | (35.6) % |
Current | |
Market Cap (M Riyal) | 80,100.00 |
Shares Outstanding ((M)) | 3,000.00 |
EPS ( Riyal) (TTM) | 2.82 |
EPS Diluted ( Riyal) (TTM) | 2.72 |
Book Value (BV) ( Riyal) | 18.59 |
Par Value ( Riyal) | 10.00 |
Adjusted P/E (Last12) | 9.47 |
P/E (TTM) | 9.47 |
Price/book | 1.44 |
Return on Average Assets (%) (TTM) | 2.1 |
Return on Average Equity (%) (TTM) | 15.8 |
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