SAMBA Financial Group, the third largest Saudi bank in terms of assets, reported 2014 net profit of SAR 5011 million, an 11 percent increase compared to the last year,as shown below:
Item | 2013 | 2014 | Change |
---|---|---|---|
Net Special Commission Income | 4,528.28 | 4,593.36 | 1.4 % |
Operating Income | 7,000.53 | 7,384.84 | 5.5 % |
Total Provisions | (353.36) | (141.33) | 60.0 % |
Net Income | 4,510.05 | 5,005.08 | 11.0 % |
Average Shares | 2,000.00 | 2,000.00 | - |
EPS (Riyals) | 2.26 | 2.50 | 11.0 % |
A net profit of SAR 1232.0 million was reported for Q4-2014 compared to SAR 1281.0 million for Q3.
The bank attributed the increase of 2014’s net profit compared to the last year to the increase of total operating income and decrease of operating expenses.
The increase of Q4-2014’s net profit compared to the same period last year to the increase of total operating income.
The decline of net profit in Q4-2014 compared to the previous period (Q3-2014) was attributed to the decrease of operating income.
Item | Q4 2013 | Q4 2014 | Change |
---|---|---|---|
Net Special Commission Income | 1,116.58 | 1,173.72 | 5.1 % |
Operating Income | 1,601.90 | 1,817.32 | 13.4 % |
Debt Provisions | (15.31) | (31.80) | (107.7 %) |
Net Income | 1,005.87 | 1,231.70 | 22.5 % |
Average Shares | 2,000.00 | 2,000.00 | - |
EPS (Riyals) | 0.50 | 0.62 | 22.5 % |
Item | Q3 2014 | Q4 2014 | Change |
---|---|---|---|
Net Special Commission Income | 1,175.06 | 1,173.72 | (0.1 %) |
Operating Income | 1,850.16 | 1,817.32 | (1.8 %) |
Debt Provisions | (7.35) | (31.80) | (332.5 %) |
Net Income | 1,276.29 | 1,231.70 | (3.5 %) |
Average Shares | 2,000.00 | 2,000.00 | - |
EPS (Riyals) | 0.64 | 0.62 | (3.5 %) |
Item | 2013 | 2014 | Change |
---|---|---|---|
Assets | 205.04 | 217.40 | 6.0 % |
Customer Deposits | 158.34 | 163.79 | 3.4 % |
Loan | 113.46 | 124.08 | 9.4 % |
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
Q1 2005 | 848.36 | 31.3 % | 1,210.05 | 36.4 % | (58.25) | (414.8 %) |
Q2 2005 | 870.84 | 21.0 % | 1,436.01 | 45.2 % | (95.57) | (83.2 %) |
Q3 2005 | 889.72 | 12.6 % | 1,570.82 | 47.6 % | (13.89) | 71.0 % |
Q4 2005 | 899.00 | 13.0 % | 1,610.68 | 52.7 % | (130.36) | (81.8 %) |
2005 | 3,507.91 | 18.9 % | 5,827.56 | 45.8 % | (298.07) | (62.9 %) |
Q1 2006 | 1,014.33 | 19.6 % | 1,922.13 | 58.8 % | (95.76) | (64.4 %) |
Q2 2006 | 1,063.61 | 22.1 % | 1,906.26 | 32.7 % | (70.55) | 26.2 % |
Q3 2006 | 1,103.67 | 24.0 % | 1,850.92 | 17.8 % | 25.21 | 281.5 % |
Q4 2006 | 1,119.34 | 24.5 % | 1,593.42 | (1.1 %) | (122.58) | 6.0 % |
2006 | 4,300.96 | 22.6 % | 7,272.72 | 24.8 % | (263.68) | 11.5 % |
Q1 2007 | 1,162.12 | 14.6 % | 1,837.11 | (4.4 %) | (117.65) | (22.9 %) |
Q2 2007 | 1,193.35 | 12.2 % | 1,888.21 | (0.9 %) | (91.44) | (29.6 %) |
Q3 2007 | 1,321.64 | 19.7 % | 1,794.45 | (3.1 %) | (54.75) | (317.2 %) |
Q4 2007 | 1,267.29 | 13.2 % | 1,676.27 | 5.2 % | (47.66) | 61.1 % |
2007 | 4,944.39 | 15.0 % | 7,196.04 | (1.1 %) | (311.50) | (18.1 %) |
Q1 2008 | 1,311.53 | 12.9 % | 1,789.96 | (2.6 %) | (56.60) | 51.9 % |
Q2 2008 | 1,198.69 | 0.4 % | 1,877.91 | (0.5 %) | (37.83) | 58.6 % |
Q3 2008 | 1,261.05 | (4.6 %) | 1,737.37 | (3.2 %) | (33.17) | 39.4 % |
Q4 2008 | 1,289.98 | 1.8 % | 1,606.66 | (4.2 %) | (139.48) | (192.7 %) |
2008 | 5,061.24 | 2.4 % | 7,011.90 | (2.6 %) | (267.08) | 14.3 % |
Q1 2009 | 1,309.17 | (0.2 %) | 1,987.72 | 11.0 % | (202.97) | (258.6 %) |
Q2 2009 | 1,304.21 | 8.8 % | 1,819.69 | (3.1 %) | (97.29) | (157.1 %) |
Q3 2009 | 1,294.13 | 2.6 % | 1,755.36 | 1.0 % | (76.93) | (132.0 %) |
Q4 2009 | 1,162.01 | (9.9 %) | 1,546.87 | (3.7 %) | (227.63) | (63.2 %) |
2009 | 5,069.51 | 0.2 % | 7,109.64 | 1.4 % | (604.82) | (126.5 %) |
Q1 2010 | 1,171.72 | (10.5 %) | 1,840.92 | (7.4 %) | (160.10) | 21.1 % |
Q2 2010 | 1,202.35 | (7.8 %) | 1,771.78 | (2.6 %) | (57.44) | 41.0 % |
Q3 2010 | 1,108.04 | (14.4 %) | 1,729.17 | (1.5 %) | (158.10) | (105.5 %) |
Q4 2010 | 1,054.35 | (9.3 %) | 1,558.63 | 0.8 % | (183.15) | 19.5 % |
2010 | 4,536.46 | (10.5 %) | 6,900.50 | (2.9 %) | (558.79) | 7.6 % |
Q1 2011 | 1,069.27 | (8.7 %) | 1,700.95 | (7.6 %) | (92.80) | 42.0 % |
Q2 2011 | 1,133.39 | (5.7 %) | 1,634.52 | (7.7 %) | (11.04) | 80.8 % |
Q3 2011 | 1,053.38 | (4.9 %) | 1,713.21 | (0.9 %) | (90.88) | 42.5 % |
Q4 2011 | 1,052.43 | (0.2 %) | 1,513.68 | (2.9 %) | (106.69) | 41.7 % |
2011 | 4,308.47 | (5.0 %) | 6,562.37 | (4.9 %) | (301.41) | 46.1 % |
Q1 2012 | 1,054.81 | (1.4 %) | 1,796.16 | 5.6 % | (137.54) | (48.2 %) |
Q2 2012 | 1,078.63 | (4.8 %) | 1,744.66 | 6.7 % | (60.86) | (451.1 %) |
Q3 2012 | 1,109.94 | 5.4 % | 1,694.92 | (1.1 %) | (34.95) | 61.5 % |
Q4 2012 | 1,029.99 | (2.1 %) | 1,458.34 | (3.7 %) | (65.30) | 38.8 % |
2012 | 4,273.37 | (0.8 %) | 6,694.08 | 2.0 % | (298.65) | 0.9 % |
Q1 2013 | 1,081.96 | 2.6 % | 1,896.97 | 5.6 % | (218.20) | (58.6 %) |
Q2 2013 | 1,148.93 | 6.5 % | 1,756.24 | 0.7 % | (59.40) | 2.4 % |
Q3 2013 | 1,180.81 | 6.4 % | 1,745.42 | 3.0 % | (60.45) | (73.0 %) |
Q4 2013 | 1,116.58 | 8.4 % | 1,601.90 | 9.8 % | (15.31) | 76.6 % |
2013 | 4,528.28 | 6.0 % | 7,000.53 | 4.6 % | (353.36) | (18.3 %) |
Q1 2014 | 1,083.08 | 0.1 % | 1,873.11 | (1.3 %) | (70.28) | 67.8 % |
Q2 2014 | 1,161.51 | 1.1 % | 1,844.25 | 5.0 % | (31.91) | 46.3 % |
Q3 2014 | 1,175.06 | (0.5 %) | 1,850.16 | 6.0 % | (7.35) | 87.8 % |
Q4 2014 | 1,173.72 | 5.1 % | 1,817.32 | 13.4 % | (31.80) | (107.7 %) |
2014 | 4,593.36 | 1.4 % | 7,384.84 | 5.5 % | (141.33) | 60.0 % |
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
2005 | 3,507.91 | 18.9 % | 5,827.56 | 45.8 % | (298.07) | (62.9 %) |
2006 | 4,300.96 | 22.6 % | 7,272.72 | 24.8 % | (263.68) | 11.5 % |
2007 | 4,944.39 | 15.0 % | 7,196.04 | (1.1 %) | (311.50) | (18.1 %) |
2008 | 5,061.24 | 2.4 % | 7,011.90 | (2.6 %) | (267.08) | 14.3 % |
2009 | 5,069.51 | 0.2 % | 7,109.64 | 1.4 % | (604.82) | (126.5 %) |
2010 | 4,536.46 | (10.5 %) | 6,900.50 | (2.9 %) | (558.79) | 7.6 % |
2011 | 4,308.47 | (5.0 %) | 6,562.37 | (4.9 %) | (301.41) | 46.1 % |
2012 | 4,273.37 | (0.8 %) | 6,694.08 | 2.0 % | (298.65) | 0.9 % |
2013 | 4,528.28 | 6.0 % | 7,000.53 | 4.6 % | (353.36) | (18.3 %) |
2014 | 4,593.36 | 1.4 % | 7,384.84 | 5.5 % | (141.33) | 60.0 % |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
Q1 2005 | 815.92 | 40.4 % | 0.41 | - | 815.92 | 0.41 |
Q2 2005 | 993.85 | 58.0 % | 0.50 | - | 993.85 | 0.50 |
Q3 2005 | 1,192.39 | 71.6 % | 0.60 | - | 1,192.39 | 0.60 |
Q4 2005 | 1,016.09 | 69.2 % | 0.51 | - | 1,016.09 | 0.51 |
2005 | 4,018.25 | 60.4 % | 2.01 | - | 4,018.25 | 2.01 |
Q1 2006 | 1,427.70 | 75.0 % | 0.71 | - | 1,427.70 | 0.71 |
Q2 2006 | 1,402.05 | 41.1 % | 0.70 | - | 1,402.05 | 0.70 |
Q3 2006 | 1,442.63 | 21.0 % | 0.72 | - | 1,442.63 | 0.72 |
Q4 2006 | 937.99 | (7.7 %) | 0.47 | - | 937.99 | 0.47 |
2006 | 5,210.37 | 29.7 % | 2.61 | - | 5,210.37 | 2.61 |
Q1 2007 | 1,270.19 | (11.0 %) | 0.64 | - | 1,270.19 | 0.64 |
Q2 2007 | 1,298.18 | (7.4 %) | 0.65 | - | 1,298.18 | 0.65 |
Q3 2007 | 1,304.93 | (9.5 %) | 0.65 | - | 1,304.93 | 0.65 |
Q4 2007 | 954.97 | 1.8 % | 0.48 | - | 954.97 | 0.48 |
2007 | 4,828.27 | (7.3 %) | 2.41 | - | 4,828.27 | 2.41 |
Q1 2008 | 1,201.13 | (5.4 %) | 0.60 | - | 1,201.13 | 0.60 |
Q2 2008 | 1,223.72 | (5.7 %) | 0.61 | - | 1,223.72 | 0.61 |
Q3 2008 | 1,203.28 | (7.8 %) | 0.60 | - | 1,203.28 | 0.60 |
Q4 2008 | 825.71 | (13.5 %) | 0.41 | - | 825.71 | 0.41 |
2008 | 4,453.84 | (7.8 %) | 2.23 | - | 4,453.84 | 2.23 |
Q1 2009 | 1,271.62 | 5.9 % | 0.64 | - | 1,271.62 | 0.64 |
Q2 2009 | 1,243.17 | 1.6 % | 0.62 | - | 1,243.17 | 0.62 |
Q3 2009 | 1,210.53 | 0.6 % | 0.61 | - | 1,210.53 | 0.61 |
Q4 2009 | 834.87 | 1.1 % | 0.42 | - | 834.87 | 0.42 |
2009 | 4,560.18 | 2.4 % | 2.28 | - | 4,560.18 | 2.28 |
Q1 2010 | 1,210.64 | (4.8 %) | 0.61 | - | 1,210.64 | 0.61 |
Q2 2010 | 1,220.34 | (1.8 %) | 0.61 | - | 1,220.34 | 0.61 |
Q3 2010 | 1,103.16 | (8.9 %) | 0.55 | - | 1,103.16 | 0.55 |
Q4 2010 | 900.99 | 7.9 % | 0.45 | - | 900.99 | 0.45 |
2010 | 4,435.12 | (2.7 %) | 2.22 | - | 4,435.12 | 2.22 |
Q1 2011 | 1,123.13 | (7.2 %) | 0.56 | - | 1,123.13 | 0.56 |
Q2 2011 | 1,102.06 | (9.7 %) | 0.55 | - | 1,102.06 | 0.55 |
Q3 2011 | 1,135.09 | 2.9 % | 0.57 | - | 1,135.09 | 0.57 |
Q4 2011 | 942.99 | 4.7 % | 0.47 | - | 942.99 | 0.47 |
2011 | 4,303.27 | (3.0 %) | 2.15 | - | 4,303.27 | 2.15 |
Q1 2012 | 1,144.50 | 1.9 % | 0.57 | - | 1,144.50 | 0.57 |
Q2 2012 | 1,157.50 | 5.0 % | 0.58 | - | 1,157.50 | 0.58 |
Q3 2012 | 1,159.61 | 2.2 % | 0.58 | - | 1,159.61 | 0.58 |
Q4 2012 | 868.56 | (7.9 %) | 0.43 | - | 868.56 | 0.43 |
2012 | 4,330.18 | 0.6 % | 2.17 | - | 4,330.18 | 2.17 |
Q1 2013 | 1,158.26 | 1.2 % | 0.58 | - | 1,158.26 | 0.58 |
Q2 2013 | 1,175.05 | 1.5 % | 0.59 | - | 1,175.05 | 0.59 |
Q3 2013 | 1,170.87 | 1.0 % | 0.59 | - | 1,170.87 | 0.59 |
Q4 2013 | 1,005.87 | 15.8 % | 0.50 | - | 1,005.87 | 0.50 |
2013 | 4,510.05 | 4.2 % | 2.26 | - | 4,510.05 | 2.26 |
Q1 2014 | 1,240.09 | 7.1 % | 0.62 | - | 1,240.09 | 0.62 |
Q2 2014 | 1,257.00 | 7.0 % | 0.63 | - | 1,257.00 | 0.63 |
Q3 2014 | 1,276.29 | 9.0 % | 0.64 | - | 1,276.29 | 0.64 |
Q4 2014 | 1,231.70 | 22.5 % | 0.62 | - | 1,231.70 | 0.62 |
2014 | 5,005.08 | 11.0 % | 2.50 | - | 5,005.08 | 2.50 |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
2005 | 4,018.25 | 60.4 % | 2.01 | - | 4,018.25 | 2.01 |
2006 | 5,210.37 | 29.7 % | 2.61 | - | 5,210.37 | 2.61 |
2007 | 4,828.27 | (7.3 %) | 2.41 | - | 4,828.27 | 2.41 |
2008 | 4,453.84 | (7.8 %) | 2.23 | - | 4,453.84 | 2.23 |
2009 | 4,560.18 | 2.4 % | 2.28 | - | 4,560.18 | 2.28 |
2010 | 4,435.12 | (2.7 %) | 2.22 | - | 4,435.12 | 2.22 |
2011 | 4,303.27 | (3.0 %) | 2.15 | - | 4,303.27 | 2.15 |
2012 | 4,330.18 | 0.6 % | 2.17 | - | 4,330.18 | 2.17 |
2013 | 4,510.05 | 4.2 % | 2.26 | - | 4,510.05 | 2.26 |
2014 | 5,005.08 | 11.0 % | 2.50 | - | 5,005.08 | 2.50 |
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
Q1 2005 | 2.88 % | 28.44 % | 73.03 % |
Q2 2005 | 3.26 % | 31.30 % | 69.35 % |
Q3 2005 | 3.54 % | 33.12 % | 64.57 % |
Q4 2005 | 3.96 % | 34.88 % | 60.20 % |
2005 | 3.96 % | 34.88 % | 60.20 % |
Q1 2006 | 4.22 % | 41.85 % | 56.18 % |
Q2 2006 | 4.66 % | 41.09 % | 55.16 % |
Q3 2006 | 4.65 % | 40.05 % | 55.98 % |
Q4 2006 | 4.49 % | 36.95 % | 59.14 % |
2006 | 4.49 % | 36.95 % | 59.14 % |
Q1 2007 | 4.14 % | 36.15 % | 61.89 % |
Q2 2007 | 4.10 % | 33.89 % | 63.86 % |
Q3 2007 | 3.74 % | 30.79 % | 67.43 % |
Q4 2007 | 3.47 % | 29.13 % | 68.71 % |
2007 | 3.47 % | 29.13 % | 68.71 % |
Q1 2008 | 3.08 % | 28.32 % | 71.25 % |
Q2 2008 | 3.00 % | 27.99 % | 71.43 % |
Q3 2008 | 2.79 % | 25.93 % | 71.15 % |
Q4 2008 | 2.67 % | 23.63 % | 72.18 % |
2008 | 2.67 % | 23.63 % | 72.18 % |
Q1 2009 | 2.60 % | 24.21 % | 70.17 % |
Q2 2009 | 2.52 % | 24.15 % | 72.21 % |
Q3 2009 | 2.45 % | 22.61 % | 72.50 % |
Q4 2009 | 2.50 % | 21.63 % | 71.30 % |
2009 | 2.50 % | 21.63 % | 71.30 % |
Q1 2010 | 2.54 % | 21.19 % | 70.83 % |
Q2 2010 | 2.45 % | 20.22 % | 69.85 % |
Q3 2010 | 2.37 % | 18.53 % | 67.42 % |
Q4 2010 | 2.38 % | 18.58 % | 65.74 % |
2010 | 2.38 % | 18.58 % | 65.74 % |
Q1 2011 | 2.31 % | 17.67 % | 65.59 % |
Q2 2011 | 2.23 % | 16.54 % | 65.90 % |
Q3 2011 | 2.28 % | 16.18 % | 65.24 % |
Q4 2011 | 2.26 % | 16.07 % | 65.65 % |
2011 | 2.26 % | 16.07 % | 65.65 % |
Q1 2012 | 2.23 % | 15.65 % | 64.50 % |
Q2 2012 | 2.25 % | 15.72 % | 62.64 % |
Q3 2012 | 2.26 % | 15.24 % | 63.65 % |
Q4 2012 | 2.22 % | 14.49 % | 63.84 % |
2012 | 2.22 % | 14.49 % | 63.84 % |
Q1 2013 | 2.20 % | 14.22 % | 63.29 % |
Q2 2013 | 2.17 % | 14.01 % | 64.22 % |
Q3 2013 | 2.16 % | 13.64 % | 64.78 % |
Q4 2013 | 2.24 % | 13.58 % | 64.68 % |
2013 | 2.24 % | 13.58 % | 64.68 % |
Q1 2014 | 2.25 % | 13.65 % | 64.92 % |
Q2 2014 | 2.24 % | 13.56 % | 64.29 % |
Q3 2014 | 2.28 % | 13.39 % | 63.27 % |
Q4 2014 | 2.37 % | 13.60 % | 62.20 % |
2014 | 2.37 % | 13.60 % | 62.20 % |
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
2005 | 3.96 % | 34.88 % | 60.20 % |
2006 | 4.49 % | 36.95 % | 59.14 % |
2007 | 3.47 % | 29.13 % | 68.71 % |
2008 | 2.67 % | 23.63 % | 72.18 % |
2009 | 2.50 % | 21.63 % | 71.30 % |
2010 | 2.38 % | 18.58 % | 65.74 % |
2011 | 2.26 % | 16.07 % | 65.65 % |
2012 | 2.22 % | 14.49 % | 63.84 % |
2013 | 2.24 % | 13.58 % | 64.68 % |
2014 | 2.37 % | 13.60 % | 62.20 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
Q1 2005 | 105.10 | 23.6 % | 70.96 | 9.4 % | 53.61 | 42.1 % |
Q2 2005 | 103.74 | 19.3 % | 81.24 | 26.0 % | 57.26 | 41.9 % |
Q3 2005 | 111.47 | 21.4 % | 82.46 | 12.7 % | 60.84 | 36.9 % |
Q4 2005 | 108.31 | 14.4 % | 85.24 | 27.1 % | 62.39 | 29.5 % |
Q1 2006 | 114.52 | 9.0 % | 93.34 | 31.5 % | 64.65 | 20.6 % |
Q2 2006 | 112.57 | 8.5 % | 86.64 | 6.6 % | 66.27 | 15.7 % |
Q3 2006 | 115.76 | 3.8 % | 89.47 | 8.5 % | 66.94 | 10.0 % |
Q4 2006 | 124.01 | 14.5 % | 94.86 | 11.3 % | 67.03 | 7.4 % |
Q1 2007 | 129.66 | 13.2 % | 97.64 | 4.6 % | 67.97 | 5.1 % |
Q2 2007 | 129.12 | 14.7 % | 98.29 | 13.4 % | 72.54 | 9.5 % |
Q3 2007 | 141.29 | 22.1 % | 105.91 | 18.4 % | 77.91 | 16.4 % |
Q4 2007 | 154.41 | 24.5 % | 115.81 | 22.1 % | 80.55 | 20.2 % |
Q1 2008 | 179.82 | 38.7 % | 119.46 | 22.3 % | 90.66 | 33.4 % |
Q2 2008 | 183.64 | 42.2 % | 121.72 | 23.8 % | 96.36 | 32.8 % |
Q3 2008 | 187.06 | 32.4 % | 124.95 | 18.0 % | 96.30 | 23.6 % |
Q4 2008 | 178.89 | 15.9 % | 134.23 | 15.9 % | 98.15 | 21.8 % |
Q1 2009 | 168.34 | (6.4 %) | 124.22 | 4.0 % | 90.11 | (0.6 %) |
Q2 2009 | 177.05 | (3.6 %) | 138.17 | 13.5 % | 87.95 | (8.7 %) |
Q3 2009 | 184.08 | (1.6 %) | 141.71 | 13.4 % | 85.68 | (11.0 %) |
Q4 2009 | 185.52 | 3.7 % | 147.13 | 9.6 % | 84.15 | (14.3 %) |
Q1 2010 | 185.88 | 10.4 % | 137.25 | 10.5 % | 85.20 | (5.4 %) |
Q2 2010 | 188.36 | 6.4 % | 136.07 | (1.5 %) | 82.72 | (5.9 %) |
Q3 2010 | 185.01 | 0.5 % | 131.93 | (6.9 %) | 81.32 | (5.1 %) |
Q4 2010 | 187.42 | 1.0 % | 133.46 | (9.3 %) | 80.25 | (4.6 %) |
Q1 2011 | 190.90 | 2.7 % | 134.45 | (2.0 %) | 81.32 | (4.6 %) |
Q2 2011 | 190.63 | 1.2 % | 138.82 | 2.0 % | 82.37 | (0.4 %) |
Q3 2011 | 188.57 | 1.9 % | 134.89 | 2.2 % | 88.26 | 8.5 % |
Q4 2011 | 192.77 | 2.9 % | 137.26 | 2.8 % | 89.11 | 11.0 % |
Q1 2012 | 196.17 | 2.8 % | 139.90 | 4.1 % | 92.78 | 14.1 % |
Q2 2012 | 199.51 | 4.7 % | 142.36 | 2.5 % | 95.73 | 16.2 % |
Q3 2012 | 201.51 | 6.9 % | 143.22 | 6.2 % | 98.06 | 11.1 % |
Q4 2012 | 197.07 | 2.2 % | 148.74 | 8.4 % | 102.63 | 15.2 % |
Q1 2013 | 198.54 | 1.2 % | 151.69 | 8.4 % | 104.30 | 12.4 % |
Q2 2013 | 203.03 | 1.8 % | 156.06 | 9.6 % | 109.03 | 13.9 % |
Q3 2013 | 203.07 | 0.8 % | 155.16 | 8.3 % | 111.25 | 13.4 % |
Q4 2013 | 205.04 | 4.0 % | 158.34 | 6.5 % | 113.46 | 10.5 % |
Q1 2014 | 208.77 | 5.1 % | 158.77 | 4.7 % | 115.61 | 10.8 % |
Q2 2014 | 214.25 | 5.5 % | 163.64 | 4.9 % | 122.16 | 12.0 % |
Q3 2014 | 216.37 | 6.5 % | 163.51 | 5.4 % | 120.18 | 8.0 % |
Q4 2014 | 217.40 | 6.0 % | 163.79 | 3.4 % | 124.08 | 9.4 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
3m 2005 | 105.10 | 23.6 % | 70.96 | 9.4 % | 53.61 | 42.1 % |
6m 2005 | 103.74 | 19.3 % | 81.24 | 26.0 % | 57.26 | 41.9 % |
9m 2005 | 111.47 | 21.4 % | 82.46 | 12.7 % | 60.84 | 36.9 % |
12m 2005 | 108.31 | 14.4 % | 85.24 | 27.1 % | 62.39 | 29.5 % |
3m 2006 | 114.52 | 9.0 % | 93.34 | 31.5 % | 64.65 | 20.6 % |
6m 2006 | 112.57 | 8.5 % | 86.64 | 6.6 % | 66.27 | 15.7 % |
9m 2006 | 115.76 | 3.8 % | 89.47 | 8.5 % | 66.94 | 10.0 % |
12m 2006 | 124.01 | 14.5 % | 94.86 | 11.3 % | 67.03 | 7.4 % |
3m 2007 | 129.66 | 13.2 % | 97.64 | 4.6 % | 67.97 | 5.1 % |
6m 2007 | 129.12 | 14.7 % | 98.29 | 13.4 % | 72.54 | 9.5 % |
9m 2007 | 141.29 | 22.1 % | 105.91 | 18.4 % | 77.91 | 16.4 % |
12m 2007 | 154.41 | 24.5 % | 115.81 | 22.1 % | 80.55 | 20.2 % |
3m 2008 | 179.82 | 38.7 % | 119.46 | 22.3 % | 90.66 | 33.4 % |
6m 2008 | 183.64 | 42.2 % | 121.72 | 23.8 % | 96.36 | 32.8 % |
9m 2008 | 187.06 | 32.4 % | 124.95 | 18.0 % | 96.30 | 23.6 % |
12m 2008 | 178.89 | 15.9 % | 134.23 | 15.9 % | 98.15 | 21.8 % |
3m 2009 | 168.34 | (6.4 %) | 124.22 | 4.0 % | 90.11 | (0.6 %) |
6m 2009 | 177.05 | (3.6 %) | 138.17 | 13.5 % | 87.95 | (8.7 %) |
9m 2009 | 184.08 | (1.6 %) | 141.71 | 13.4 % | 85.68 | (11.0 %) |
12m 2009 | 185.52 | 3.7 % | 147.13 | 9.6 % | 84.15 | (14.3 %) |
3m 2010 | 185.88 | 10.4 % | 137.25 | 10.5 % | 85.20 | (5.4 %) |
6m 2010 | 188.36 | 6.4 % | 136.07 | (1.5 %) | 82.72 | (5.9 %) |
9m 2010 | 185.01 | 0.5 % | 131.93 | (6.9 %) | 81.32 | (5.1 %) |
12m 2010 | 187.42 | 1.0 % | 133.46 | (9.3 %) | 80.25 | (4.6 %) |
3m 2011 | 190.90 | 2.7 % | 134.45 | (2.0 %) | 81.32 | (4.6 %) |
6m 2011 | 190.63 | 1.2 % | 138.82 | 2.0 % | 82.37 | (0.4 %) |
9m 2011 | 188.57 | 1.9 % | 134.89 | 2.2 % | 88.26 | 8.5 % |
12m 2011 | 192.77 | 2.9 % | 137.26 | 2.8 % | 89.11 | 11.0 % |
3m 2012 | 196.17 | 2.8 % | 139.90 | 4.1 % | 92.78 | 14.1 % |
6m 2012 | 199.51 | 4.7 % | 142.36 | 2.5 % | 95.73 | 16.2 % |
9m 2012 | 201.51 | 6.9 % | 143.22 | 6.2 % | 98.06 | 11.1 % |
12m 2012 | 197.07 | 2.2 % | 148.74 | 8.4 % | 102.63 | 15.2 % |
3m 2013 | 198.54 | 1.2 % | 151.69 | 8.4 % | 104.30 | 12.4 % |
6m 2013 | 203.03 | 1.8 % | 156.06 | 9.6 % | 109.03 | 13.9 % |
9m 2013 | 203.07 | 0.8 % | 155.16 | 8.3 % | 111.25 | 13.4 % |
12m 2013 | 205.04 | 4.0 % | 158.34 | 6.5 % | 113.46 | 10.5 % |
3m 2014 | 208.77 | 5.1 % | 158.77 | 4.7 % | 115.61 | 10.8 % |
6m 2014 | 214.25 | 5.5 % | 163.64 | 4.9 % | 122.16 | 12.0 % |
9m 2014 | 216.37 | 6.5 % | 163.51 | 5.4 % | 120.18 | 8.0 % |
12m 2014 | 217.40 | 6.0 % | 163.79 | 3.4 % | 124.08 | 9.4 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
2005 | 108.31 | 14.4 % | 85.24 | 27.1 % | 62.39 | 29.5 % |
2006 | 124.01 | 14.5 % | 94.86 | 11.3 % | 67.03 | 7.4 % |
2007 | 154.41 | 24.5 % | 115.81 | 22.1 % | 80.55 | 20.2 % |
2008 | 178.89 | 15.9 % | 134.23 | 15.9 % | 98.15 | 21.8 % |
2009 | 185.52 | 3.7 % | 147.13 | 9.6 % | 84.15 | (14.3 %) |
2010 | 187.42 | 1.0 % | 133.46 | (9.3 %) | 80.25 | (4.6 %) |
2011 | 192.77 | 2.9 % | 137.26 | 2.8 % | 89.11 | 11.0 % |
2012 | 197.07 | 2.2 % | 148.74 | 8.4 % | 102.63 | 15.2 % |
2013 | 205.04 | 4.0 % | 158.34 | 6.5 % | 113.46 | 10.5 % |
2014 | 217.40 | 6.0 % | 163.79 | 3.4 % | 124.08 | 9.4 % |
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
Q1 2005 | 67.52 % | 51.01 % | 75.55 % |
Q2 2005 | 78.31 % | 55.20 % | 70.48 % |
Q3 2005 | 73.97 % | 54.58 % | 73.78 % |
Q4 2005 | 78.70 % | 57.60 % | 73.19 % |
Q1 2006 | 81.51 % | 56.45 % | 69.26 % |
Q2 2006 | 76.96 % | 58.87 % | 76.49 % |
Q3 2006 | 77.29 % | 57.83 % | 74.82 % |
Q4 2006 | 76.49 % | 54.05 % | 70.66 % |
Q1 2007 | 75.31 % | 52.42 % | 69.61 % |
Q2 2007 | 76.13 % | 56.18 % | 73.80 % |
Q3 2007 | 74.96 % | 55.15 % | 73.57 % |
Q4 2007 | 75.00 % | 52.17 % | 69.56 % |
Q1 2008 | 66.43 % | 50.42 % | 75.89 % |
Q2 2008 | 66.28 % | 52.47 % | 79.17 % |
Q3 2008 | 66.80 % | 51.48 % | 77.07 % |
Q4 2008 | 75.03 % | 54.86 % | 73.12 % |
Q1 2009 | 73.79 % | 53.53 % | 72.54 % |
Q2 2009 | 78.04 % | 49.67 % | 63.65 % |
Q3 2009 | 76.98 % | 46.55 % | 60.46 % |
Q4 2009 | 79.31 % | 45.36 % | 57.19 % |
Q1 2010 | 73.83 % | 45.83 % | 62.08 % |
Q2 2010 | 72.24 % | 43.91 % | 60.79 % |
Q3 2010 | 71.31 % | 43.95 % | 61.64 % |
Q4 2010 | 71.21 % | 42.82 % | 60.13 % |
Q1 2011 | 70.43 % | 42.60 % | 60.48 % |
Q2 2011 | 72.82 % | 43.21 % | 59.33 % |
Q3 2011 | 71.54 % | 46.81 % | 65.43 % |
Q4 2011 | 71.20 % | 46.23 % | 64.92 % |
Q1 2012 | 71.32 % | 47.30 % | 66.32 % |
Q2 2012 | 71.35 % | 47.98 % | 67.25 % |
Q3 2012 | 71.07 % | 48.66 % | 68.47 % |
Q4 2012 | 75.47 % | 52.08 % | 69.00 % |
Q1 2013 | 76.40 % | 52.53 % | 68.76 % |
Q2 2013 | 76.87 % | 53.70 % | 69.86 % |
Q3 2013 | 76.41 % | 54.79 % | 71.70 % |
Q4 2013 | 77.22 % | 55.33 % | 71.65 % |
Q1 2014 | 76.05 % | 55.38 % | 72.82 % |
Q2 2014 | 76.38 % | 57.02 % | 74.65 % |
Q3 2014 | 75.57 % | 55.54 % | 73.50 % |
Q4 2014 | 75.34 % | 57.07 % | 75.75 % |
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
2005 | 78.70 % | 57.60 % | 73.19 % |
2006 | 76.49 % | 54.05 % | 70.66 % |
2007 | 75.00 % | 52.17 % | 69.56 % |
2008 | 75.03 % | 54.86 % | 73.12 % |
2009 | 79.31 % | 45.36 % | 57.19 % |
2010 | 71.21 % | 42.82 % | 60.13 % |
2011 | 71.20 % | 46.23 % | 64.92 % |
2012 | 75.47 % | 52.08 % | 69.00 % |
2013 | 77.22 % | 55.33 % | 71.65 % |
2014 | 75.34 % | 57.07 % | 75.75 % |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | Book Value (BV) |
---|---|---|---|---|
Q1 2005 | 2,000.00 | 1.37 | 1.37 | 4.85 |
Q2 2005 | 2,000.00 | 1.55 | 1.55 | 5.42 |
Q3 2005 | 2,000.00 | 1.80 | 1.80 | 5.97 |
Q4 2005 | 2,000.00 | 2.01 | 2.01 | 6.45 |
Q1 2006 | 2,000.00 | 2.32 | 2.32 | 6.21 |
Q2 2006 | 2,000.00 | 2.52 | 2.52 | 6.84 |
Q3 2006 | 2,000.00 | 2.64 | 2.64 | 7.23 |
Q4 2006 | 2,000.00 | 2.61 | 2.61 | 7.65 |
Q1 2007 | 2,000.00 | 2.53 | 2.53 | 7.77 |
Q2 2007 | 2,000.00 | 2.47 | 2.47 | 7.77 |
Q3 2007 | 2,000.00 | 2.41 | 2.41 | 8.40 |
Q4 2007 | 2,000.00 | 2.41 | 2.41 | 8.92 |
Q1 2008 | 2,000.00 | 2.38 | 2.38 | 9.04 |
Q2 2008 | 2,000.00 | 2.34 | 2.34 | 8.97 |
Q3 2008 | 2,000.00 | 2.29 | 2.29 | 9.28 |
Q4 2008 | 2,000.00 | 2.23 | 2.23 | 9.92 |
Q1 2009 | 2,000.00 | 2.26 | 2.26 | 9.65 |
Q2 2009 | 2,000.00 | 2.27 | 2.27 | 9.84 |
Q3 2009 | 2,000.00 | 2.28 | 2.28 | 10.86 |
Q4 2009 | 2,000.00 | 2.28 | 2.28 | 11.16 |
Q1 2010 | 2,000.00 | 2.25 | 2.25 | 11.58 |
Q2 2010 | 2,000.00 | 2.24 | 2.24 | 12.29 |
Q3 2010 | 2,000.00 | 2.18 | 2.18 | 12.73 |
Q4 2010 | 2,000.00 | 2.22 | 2.22 | 12.71 |
Q1 2011 | 2,000.00 | 2.17 | 2.17 | 13.01 |
Q2 2011 | 2,000.00 | 2.11 | 2.11 | 13.29 |
Q3 2011 | 2,000.00 | 2.13 | 2.13 | 13.60 |
Q4 2011 | 2,000.00 | 2.15 | 2.15 | 14.06 |
Q1 2012 | 2,000.00 | 2.16 | 2.16 | 14.61 |
Q2 2012 | 2,000.00 | 2.19 | 2.19 | 14.58 |
Q3 2012 | 2,000.00 | 2.20 | 2.20 | 15.30 |
Q4 2012 | 2,000.00 | 2.17 | 2.17 | 15.82 |
Q1 2013 | 2,000.00 | 2.17 | 2.17 | 15.93 |
Q2 2013 | 2,000.00 | 2.18 | 2.18 | 16.55 |
Q3 2013 | 2,000.00 | 2.19 | 2.19 | 16.75 |
Q4 2013 | 2,000.00 | 2.26 | 2.26 | 17.40 |
Q1 2014 | 2,000.00 | 2.30 | 2.30 | 17.70 |
Q2 2014 | 2,000.00 | 2.34 | 2.34 | 17.93 |
Q3 2014 | 2,000.00 | 2.39 | 2.39 | 18.93 |
Q4 2014 | 2,000.00 | 2.50 | 2.50 | 19.39 |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | Book Value (BV) |
---|---|---|---|---|
2005 | 2,000.00 | 2.01 | 2.01 | 6.45 |
2006 | 2,000.00 | 2.61 | 2.61 | 7.65 |
2007 | 2,000.00 | 2.41 | 2.41 | 8.92 |
2008 | 2,000.00 | 2.23 | 2.23 | 9.92 |
2009 | 2,000.00 | 2.28 | 2.28 | 11.16 |
2010 | 2,000.00 | 2.22 | 2.22 | 12.71 |
2011 | 2,000.00 | 2.15 | 2.15 | 14.06 |
2012 | 2,000.00 | 2.17 | 2.17 | 15.82 |
2013 | 2,000.00 | 2.26 | 2.26 | 17.40 |
2014 | 2,000.00 | 2.50 | 2.50 | 19.39 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
Q1 2005 | 30.59 | 30.59 | 8.64 |
Q2 2005 | 35.17 | 35.17 | 10.07 |
Q3 2005 | 29.94 | 29.94 | 9.03 |
Q4 2005 | 29.12 | 29.12 | 9.07 |
Q1 2006 | 26.44 | 26.44 | 9.86 |
Q2 2006 | 20.84 | 20.84 | 7.68 |
Q3 2006 | 16.42 | 16.42 | 6.01 |
Q4 2006 | 16.09 | 16.09 | 5.48 |
Q1 2007 | 18.41 | 18.41 | 5.98 |
Q2 2007 | 15.40 | 15.40 | 4.91 |
Q3 2007 | 15.84 | 15.84 | 4.54 |
Q4 2007 | 22.37 | 22.37 | 6.05 |
Q1 2008 | 14.28 | 14.28 | 3.76 |
Q2 2008 | 14.89 | 14.89 | 3.89 |
Q3 2008 | 13.70 | 13.70 | 3.38 |
Q4 2008 | 10.36 | 10.36 | 2.32 |
Q1 2009 | 8.43 | 8.43 | 1.98 |
Q2 2009 | 8.28 | 8.28 | 1.91 |
Q3 2009 | 11.77 | 11.77 | 2.47 |
Q4 2009 | 9.97 | 9.97 | 2.04 |
Q1 2010 | 11.80 | 11.80 | 2.29 |
Q2 2010 | 11.46 | 11.46 | 2.09 |
Q3 2010 | 13.03 | 13.03 | 2.24 |
Q4 2010 | 12.43 | 12.43 | 2.17 |
Q1 2011 | 11.75 | 11.75 | 1.96 |
Q2 2011 | 10.64 | 10.64 | 1.69 |
Q3 2011 | 9.25 | 9.25 | 1.45 |
Q4 2011 | 9.75 | 9.75 | 1.49 |
Q1 2012 | 11.81 | 11.81 | 1.75 |
Q2 2012 | 9.27 | 9.27 | 1.39 |
Q3 2012 | 9.05 | 9.05 | 1.30 |
Q4 2012 | 9.29 | 9.29 | 1.27 |
Q1 2013 | 9.22 | 9.22 | 1.26 |
Q2 2013 | 10.32 | 10.32 | 1.36 |
Q3 2013 | 10.75 | 10.75 | 1.40 |
Q4 2013 | 9.98 | 9.98 | 1.29 |
Q1 2014 | 11.21 | 11.21 | 1.45 |
Q2 2014 | 10.17 | 10.17 | 1.33 |
Q3 2014 | 12.06 | 12.06 | 1.52 |
Q4 2014 | 9.25 | 9.25 | 1.19 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
2005 | 29.12 | 29.12 | 9.07 |
2006 | 16.09 | 16.09 | 5.48 |
2007 | 22.37 | 22.37 | 6.05 |
2008 | 10.36 | 10.36 | 2.32 |
2009 | 9.97 | 9.97 | 2.04 |
2010 | 12.43 | 12.43 | 2.17 |
2011 | 9.75 | 9.75 | 1.49 |
2012 | 9.29 | 9.29 | 1.27 |
2013 | 9.98 | 9.98 | 1.29 |
2014 | 9.25 | 9.25 | 1.19 |
Q4 2014
2014
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | finance and islamic investment | Others |
---|---|---|---|---|---|
Q1 2005 | 691.72 | 368.57 | 149.75 | - | - |
Q2 2005 | 892.40 | 423.63 | 119.98 | - | - |
Q3 2005 | 1,030.28 | 426.95 | 113.59 | - | - |
Q4 2005 | 1,131.27 | 473.17 | 6.25 | - | - |
Q1 2006 | 1,216.26 | 526.33 | 179.54 | - | - |
Q2 2006 | 1,191.57 | 550.98 | 163.71 | - | - |
Q3 2006 | 1,163.47 | 573.69 | 113.76 | - | - |
Q4 2006 | 976.20 | 505.16 | 112.06 | - | - |
Q1 2007 | 1,002.35 | 571.91 | 262.85 | - | - |
Q2 2007 | 1,000.91 | 611.60 | 275.70 | - | - |
Q3 2007 | 993.30 | 636.16 | 165.00 | - | - |
Q4 2007 | 59.66 | 594.52 | (62.77) | 1,084.86 | - |
Q1 2008 | 943.59 | 810.25 | 36.12 | - | - |
Q2 2008 | 640.41 | 533.35 | 184.77 | 519.39 | - |
Q3 2008 | 776.81 | 605.92 | 112.21 | 242.43 | - |
Q4 2008 | 806.51 | 487.66 | 186.01 | 126.48 | - |
Q1 2009 | 724.87 | 673.94 | 488.82 | 100.09 | - |
Q2 2009 | 702.41 | 691.48 | 285.67 | 140.14 | - |
Q3 2009 | 714.41 | 719.02 | 217.86 | 104.08 | - |
Q4 2009 | 676.90 | 614.25 | 157.26 | 98.46 | - |
Q1 2010 | 699.10 | 686.76 | 353.14 | 101.91 | - |
Q2 2010 | 693.42 | 650.32 | 317.30 | 110.74 | - |
Q3 2010 | 650.57 | 634.04 | 324.11 | 120.46 | - |
Q4 2010 | 650.62 | 575.74 | 227.89 | 104.38 | - |
Q1 2011 | 668.51 | 629.57 | 248.03 | 154.85 | - |
Q2 2011 | 674.34 | 660.62 | 170.14 | 129.43 | - |
Q3 2011 | 669.84 | 629.66 | 307.02 | 106.69 | - |
Q4 2011 | 640.64 | 576.60 | 172.49 | 123.95 | - |
Q1 2012 | 597.25 | 622.34 | 318.53 | 258.03 | - |
Q2 2012 | 581.73 | 580.33 | 339.55 | 243.04 | - |
Q3 2012 | 618.43 | 616.77 | 298.52 | 161.21 | - |
Q4 2012 | 565.30 | 544.43 | 225.34 | 123.28 | - |
Q1 2013 | 582.76 | 644.81 | 465.72 | 203.68 | - |
Q2 2013 | 592.58 | 641.13 | 358.34 | 164.18 | - |
Q3 2013 | 579.59 | 635.31 | 386.37 | 144.15 | - |
Q4 2013 | 531.11 | 560.94 | 393.87 | 115.98 | - |
Q1 2014 | 503.62 | 590.31 | 573.83 | 205.36 | - |
Q2 2014 | 544.25 | 658.70 | 430.86 | 210.44 | - |
Q3 2014 | 550.89 | 672.80 | 445.89 | 180.58 | - |
Q4 2014 | 576.35 | 683.15 | 401.31 | 156.50 | - |
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | finance and islamic investment | Others |
---|---|---|---|---|---|
2005 | 3,745.67 | 1,692.32 | 389.56 | - | - |
2006 | 4,547.49 | 2,156.16 | 569.08 | - | - |
2007 | 3,056.22 | 2,414.19 | 640.78 | 1,084.86 | - |
2008 | 3,167.33 | 2,437.18 | 519.10 | 888.30 | - |
2009 | 2,818.59 | 2,698.67 | 1,149.61 | 442.78 | - |
2010 | 2,693.71 | 2,546.86 | 1,222.44 | 437.49 | - |
2011 | 2,653.32 | 2,496.45 | 897.69 | 514.92 | - |
2012 | 2,362.72 | 2,363.87 | 1,181.95 | 785.56 | - |
2013 | 2,286.04 | 2,482.18 | 1,604.31 | 628.00 | - |
2014 | 2,175.11 | 2,604.96 | 1,851.89 | 752.88 | - |
Item | Q4 2014 (e) | Q4 2014 (a) | Change |
---|---|---|---|
Average | 1,097.10 | 1,231.70 | 12.27 % |
Item | Q4 2014 (e) | Q4 2014 (a) | Change |
---|---|---|---|
Alistithmar Capital | 1,116.90 | 1,231.70 | 10.3 % |
OSOOL AND BAKHEET | 1,077.30 | 1,231.70 | 14.3 % |
Current | |
Market Cap (M Riyal) | 77,000.00 |
Shares Outstanding ((M)) | 2,000.00 |
EPS ( Riyal) (TTM) | - |
Book Value (BV) ( Riyal) | - |
Par Value ( Riyal) | 10.00 |
Adjusted P/E (Last12) | - |
P/E (TTM) | - |
Price/book | - |
Return on Average Assets (%) (TTM) | - |
Return on Average Equity (%) (TTM) | - |
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