Financial Results : Banque Saudi Fransi posts lower net profit at SAR 2406m for 2013

Banque Saudi Fransi posts lower net profit at SAR 2406m for 2013

31/12/2013 Argaam Exclusive

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Banque Saudi Fransi, the 6th largest Saudi bank in terms of assets, reported SAR 2406m net profit at the end of 2013, compared to SAR 3015m last year, as shown in the following table:



Financials (M)

Item 2012 2013 Change‬
Net Special Commission Income 3,305.78 3,363.30 1.7 %
Operating Income 5,009.55 5,052.53 0.9 %
Total Provisions (455.18) (957.42) (110.3 %)
Net Income 3,015.14 2,405.58 (20.2 %)
Average Shares 1,205.36 1,205.36 -
EPS (Riyals) 2.50 2.00 (20.2 %)


Current Quarter Comparison (M)

Compared With The
Item Q4 2012 Q4 2013 Change‬
Net Special Commission Income 834.04 863.96 3.6 %
Operating Income 1,286.30 1,280.78 (0.4 %)
Debt Provisions (77.89) (552.98) (609.9 %)
Net Income 807.50 273.65 (66.1 %)
Average Shares 1,205.36 1,205.36 -
EPS (Riyals) 0.67 0.23 (66.1 %)

Balance Sheet (B)

Item 2012 2013 Change‬
Assets 157.78 170.06 7.8 %
Customer Deposits 115.57 131.60 13.9 %
Loan 102.79 111.31 8.3 %


Financial results (Million)

Period Net Special Commission Income Change Operating Income Change Debt Provisions Change
Q1 2004 379.40 9.2 % 504.87 13.8 % (22.98) 23.7 %
Q2 2004 405.48 14.3 % 593.36 20.2 % (2.86) 90.5 %
Q3 2004 398.13 11.3 % 582.85 25.8 % (22.41) (0.6 %)
Q4 2004 407.09 10.7 % 579.74 24.3 % (19.35) (150.7 %)
Q1 2005 418.48 10.3 % 641.59 27.1 % (45.21) (96.8 %)
Q2 2005 419.22 3.4 % 786.48 32.5 % (35.33) (1,134.0 %)
Q3 2005 436.96 9.8 % 809.55 38.9 % (23.31) (4.0 %)
Q4 2005 431.11 5.9 % 856.01 47.7 % (31.01) (60.2 %)
Q1 2006 485.14 15.9 % 1,097.91 71.1 % (22.23) 50.8 %
Q2 2006 492.16 17.4 % 1,036.44 31.8 % (22.63) 36.0 %
Q3 2006 514.33 17.7 % 971.84 20.0 % (21.81) 6.4 %
Q4 2006 525.24 21.8 % 832.64 (2.7 %) (23.82) 23.2 %
Q1 2007 537.17 10.7 % 924.12 (15.8 %) (15.68) 29.5 %
Q2 2007 571.80 16.2 % 953.82 (8.0 %) 3.57 115.8 %
Q3 2007 578.10 12.4 % 896.38 (7.8 %) (10.75) 50.7 %
Q4 2007 602.33 14.7 % 920.14 10.5 % (19.15) 19.6 %
Q1 2008 702.60 30.8 % 1,034.18 11.9 % (20.89) (33.2 %)
Q2 2008 615.82 7.7 % 1,076.06 12.8 % (9.82) (375.3 %)
Q3 2008 684.13 18.3 % 1,136.15 26.7 % 15.29 242.2 %
Q4 2008 818.04 35.8 % 1,145.25 24.5 % (78.84) (311.7 %)
Q1 2009 767.49 9.2 % 1,078.23 4.3 % (46.13) (120.8 %)
Q2 2009 757.15 23.0 % 1,096.33 1.9 % (119.85) (1,120.3 %)
Q3 2009 757.65 10.7 % 1,057.16 (7.0 %) (57.57) (476.6 %)
Q4 2009 768.00 (6.1 %) 1,063.19 (7.2 %) (351.07) (345.3 %)
Q1 2010 723.08 (5.8 %) 1,072.06 (0.6 %) (53.89) (16.8 %)
Q2 2010 776.31 2.5 % 1,154.60 5.3 % (83.97) 29.9 %
Q3 2010 777.63 2.6 % 1,084.45 2.6 % (154.95) (169.2 %)
Q4 2010 788.84 2.7 % 1,084.12 2.0 % (46.53) 86.7 %
Q1 2011 757.46 4.8 % 1,150.27 7.3 % (22.22) 58.8 %
Q2 2011 788.65 1.6 % 1,162.67 0.7 % (23.46) 72.1 %
Q3 2011 808.30 3.9 % 1,164.10 7.3 % (56.48) 63.5 %
Q4 2011 782.65 (0.8 %) 1,107.74 2.2 % (55.75) (19.8 %)
Q1 2012 801.81 5.9 % 1,220.21 6.1 % (61.27) (175.7 %)
Q2 2012 843.93 7.0 % 1,282.80 10.3 % (141.65) (503.9 %)
Q3 2012 825.99 2.2 % 1,220.25 4.8 % (174.37) (208.7 %)
Q4 2012 834.04 6.6 % 1,286.30 16.1 % (77.89) (39.7 %)
Q1 2013 799.24 (0.3 %) 1,205.05 (1.2 %) (127.84) (108.7 %)
Q2 2013 830.50 (1.6 %) 1,282.64 0.0 % (107.59) 24.0 %
Q3 2013 869.60 5.3 % 1,284.06 5.2 % (169.01) 3.1 %
Q4 2013 863.96 3.6 % 1,280.78 (0.4 %) (552.98) (609.9 %)
2013 3,363.30 1.7 % 5,052.53 0.9 % (957.42) (110.3 %)


Profit Performance (Million)

Period Net Income Change EPS(Riyal) Extraordinary Income/Expense Net Profit Before Unusual Items EPS Before XO Items
Q1 2004 330.16 22.1 % 0.27 - 330.16 0.27
Q2 2004 431.29 36.1 % 0.36 - 431.29 0.36
Q3 2004 400.63 35.8 % 0.33 - 400.63 0.33
Q4 2004 373.85 23.5 % 0.31 - 373.85 0.31
Q1 2005 429.93 30.2 % 0.36 - 429.93 0.36
Q2 2005 574.32 33.2 % 0.48 - 574.32 0.48
Q3 2005 603.43 50.6 % 0.50 - 603.43 0.50
Q4 2005 607.93 62.6 % 0.50 - 607.93 0.50
Q1 2006 881.67 105.1 % 0.73 - 881.67 0.73
Q2 2006 803.73 39.9 % 0.67 - 803.73 0.67
Q3 2006 739.36 22.5 % 0.61 - 739.36 0.61
Q4 2006 582.18 (4.2 %) 0.48 - 582.18 0.48
Q1 2007 689.63 (21.8 %) 0.57 - 689.63 0.57
Q2 2007 727.85 (9.4 %) 0.60 - 727.85 0.60
Q3 2007 653.11 (11.7 %) 0.54 - 653.11 0.54
Q4 2007 640.52 10.0 % 0.53 - 640.52 0.53
Q1 2008 732.48 6.2 % 0.61 - 732.48 0.61
Q2 2008 774.11 6.4 % 0.64 - 774.11 0.64
Q3 2008 727.74 11.4 % 0.60 - 727.74 0.60
Q4 2008 571.33 (10.8 %) 0.47 - 571.33 0.47
Q1 2009 740.75 1.1 % 0.61 - 740.75 0.61
Q2 2009 691.76 (10.6 %) 0.57 - 691.76 0.57
Q3 2009 714.32 (1.8 %) 0.59 - 714.32 0.59
Q4 2009 323.78 (43.3 %) 0.27 - 323.78 0.27
Q1 2010 713.64 (3.7 %) 0.59 - 713.64 0.59
Q2 2010 756.90 9.4 % 0.63 - 756.90 0.63
Q3 2010 621.50 (13.0 %) 0.52 - 621.50 0.52
Q4 2010 708.96 119.0 % 0.59 - 708.96 0.59
Q1 2011 716.75 0.4 % 0.59 - 716.75 0.59
Q2 2011 773.43 2.2 % 0.64 - 773.43 0.64
Q3 2011 759.83 22.3 % 0.63 - 759.83 0.63
Q4 2011 660.93 (6.8 %) 0.55 - 660.93 0.55
Q1 2012 788.90 10.1 % 0.65 - 788.90 0.65
Q2 2012 757.21 (2.1 %) 0.63 - 757.21 0.63
Q3 2012 661.53 (12.9 %) 0.55 - 661.53 0.55
Q4 2012 807.50 22.2 % 0.67 - 807.50 0.67
Q1 2013 683.86 (13.3 %) 0.57 - 683.86 0.57
Q2 2013 762.64 0.7 % 0.63 - 762.64 0.63
Q3 2013 685.44 3.6 % 0.57 - 685.44 0.57
Q4 2013 273.65 (66.1 %) 0.23 - 273.65 0.23
2013 2,405.58 (20.2 %) 2.00 - 2,405.58 2.00

Profitability

Period Return On Average Assets Return on Average Equity Net Interest Income/Total Operating Income
Q1 2004 2.41 % 23.71 % 75.68 %
Q2 2004 2.63 % 26.28 % 74.47 %
Q3 2004 2.78 % 26.59 % 72.20 %
Q4 2004 2.71 % 29.07 % 70.33 %
Q1 2005 2.81 % 29.07 % 67.95 %
Q2 2005 2.96 % 31.28 % 63.42 %
Q3 2005 3.16 % 32.17 % 59.69 %
Q4 2005 3.48 % 34.89 % 55.14 %
Q1 2006 3.95 % 39.30 % 49.93 %
Q2 2006 4.09 % 41.34 % 48.56 %
Q3 2006 4.18 % 39.43 % 48.53 %
Q4 2006 4.09 % 36.25 % 51.20 %
Q1 2007 3.54 % 31.84 % 54.95 %
Q2 2007 3.37 % 30.82 % 58.35 %
Q3 2007 3.19 % 27.35 % 61.33 %
Q4 2007 3.02 % 26.26 % 61.97 %
Q1 2008 2.80 % 25.43 % 64.52 %
Q2 2008 2.77 % 25.18 % 63.64 %
Q3 2008 2.72 % 24.40 % 62.52 %
Q4 2008 2.49 % 22.19 % 64.23 %
Q1 2009 2.39 % 21.09 % 65.05 %
Q2 2009 2.30 % 20.06 % 67.93 %
Q3 2009 2.24 % 18.95 % 70.83 %
Q4 2009 2.01 % 16.59 % 71.02 %
Q1 2010 1.99 % 15.91 % 70.09 %
Q2 2010 2.06 % 15.81 % 69.59 %
Q3 2010 1.99 % 14.44 % 69.61 %
Q4 2010 2.30 % 16.61 % 69.75 %
Q1 2011 2.26 % 16.71 % 69.30 %
Q2 2011 2.22 % 15.95 % 69.45 %
Q3 2011 2.35 % 15.97 % 68.91 %
Q4 2011 2.21 % 15.46 % 68.42 %
Q1 2012 2.15 % 15.54 % 68.35 %
Q2 2012 2.11 % 14.90 % 67.79 %
Q3 2012 2.01 % 13.83 % 67.36 %
Q4 2012 2.02 % 14.24 % 65.99 %
Q1 2013 1.85 % 13.24 % 66.14 %
Q2 2013 1.86 % 13.15 % 65.87 %
Q3 2013 1.82 % 12.93 % 65.90 %
Q4 2013 1.47 % 10.48 % 66.57 %
2013 1.47 % 10.48 % 66.57 %

Balance Sheet (B)

Period Assets Change Customer Deposits Change Loan Change
Q1 2004 54.66 12.2 % 43.89 16.1 % 26.95 17.7 %
Q2 2004 53.70 8.0 % 43.83 16.9 % 28.49 25.3 %
Q3 2004 56.10 13.7 % 43.76 15.9 % 32.42 32.9 %
Q4 2004 59.67 11.5 % 47.70 11.9 % 34.46 29.0 %
Q1 2005 61.60 12.7 % 47.10 7.3 % 37.12 37.7 %
Q2 2005 66.31 23.5 % 50.45 15.1 % 37.75 32.5 %
Q3 2005 69.39 23.7 % 49.30 12.7 % 43.13 33.0 %
Q4 2005 67.50 13.1 % 51.09 7.1 % 42.98 24.7 %
Q1 2006 73.57 19.4 % 56.91 20.8 % 44.60 20.2 %
Q2 2006 75.45 13.8 % 56.92 12.8 % 46.41 22.9 %
Q3 2006 75.87 9.3 % 58.52 18.7 % 49.32 14.3 %
Q4 2006 79.58 17.9 % 62.00 21.3 % 51.13 19.0 %
Q1 2007 85.29 15.9 % 65.51 15.1 % 51.18 14.7 %
Q2 2007 87.22 15.6 % 65.22 14.6 % 50.94 9.8 %
Q3 2007 90.28 19.0 % 66.48 13.6 % 57.05 15.7 %
Q4 2007 99.81 25.4 % 74.01 19.4 % 59.85 17.1 %
Q1 2008 111.31 30.5 % 78.44 19.7 % 68.45 33.8 %
Q2 2008 115.15 32.0 % 85.38 30.9 % 76.05 49.3 %
Q3 2008 121.01 34.0 % 83.96 26.3 % 79.12 38.7 %
Q4 2008 125.86 26.1 % 92.79 25.4 % 80.87 35.1 %
Q1 2009 123.87 11.3 % 91.62 16.8 % 81.30 18.8 %
Q2 2009 122.82 6.7 % 90.31 5.8 % 81.38 7.0 %
Q3 2009 121.72 0.6 % 90.22 7.5 % 81.32 2.8 %
Q4 2009 120.57 (4.2 %) 91.24 (1.7 %) 78.32 (3.2 %)
Q1 2010 121.25 (2.1 %) 87.71 (4.3 %) 79.58 (2.1 %)
Q2 2010 120.56 (1.8 %) 92.23 2.1 % 81.94 0.7 %
Q3 2010 120.96 (0.6 %) 91.29 1.2 % 81.46 0.2 %
Q4 2010 123.22 2.2 % 93.53 2.5 % 80.98 3.4 %
Q1 2011 126.55 4.4 % 96.03 9.5 % 83.94 5.5 %
Q2 2011 133.74 10.9 % 99.71 8.1 % 85.20 4.0 %
Q3 2011 130.97 8.3 % 97.75 7.1 % 89.72 10.1 %
Q4 2011 140.48 14.0 % 109.96 17.6 % 92.33 14.0 %
Q1 2012 150.48 18.9 % 112.60 17.3 % 97.48 16.1 %
Q2 2012 147.09 10.0 % 108.94 9.3 % 100.52 18.0 %
Q3 2012 154.97 18.3 % 116.85 19.5 % 102.22 13.9 %
Q4 2012 157.78 12.3 % 115.57 5.1 % 102.79 11.3 %
Q1 2013 163.99 9.0 % 119.26 5.9 % 105.81 8.6 %
Q2 2013 165.78 12.7 % 124.58 14.3 % 110.24 9.7 %
Q3 2013 168.04 8.4 % 124.96 6.9 % 112.57 10.1 %
Q4 2013 170.06 7.8 % 131.60 13.9 % 111.31 8.3 %

Ratios

Period Customer Deposits Per Total Assets Loans and advances/Total assets Loans and advances/Customers Deposits
Q1 2004 80.30 % 49.31 % 61.41 %
Q2 2004 81.63 % 53.06 % 65.00 %
Q3 2004 77.99 % 57.79 % 74.09 %
Q4 2004 79.94 % 57.75 % 72.24 %
Q1 2005 76.47 % 60.26 % 78.80 %
Q2 2005 76.07 % 56.92 % 74.83 %
Q3 2005 71.05 % 62.16 % 87.48 %
Q4 2005 75.69 % 63.67 % 84.12 %
Q1 2006 77.36 % 60.62 % 78.36 %
Q2 2006 75.44 % 61.50 % 81.53 %
Q3 2006 77.13 % 65.00 % 84.28 %
Q4 2006 77.91 % 64.25 % 82.47 %
Q1 2007 76.81 % 60.01 % 78.12 %
Q2 2007 74.77 % 58.41 % 78.12 %
Q3 2007 73.64 % 63.19 % 85.81 %
Q4 2007 74.15 % 59.97 % 80.87 %
Q1 2008 70.46 % 61.49 % 87.27 %
Q2 2008 74.15 % 66.04 % 89.07 %
Q3 2008 69.38 % 65.38 % 94.23 %
Q4 2008 73.72 % 64.25 % 87.15 %
Q1 2009 73.97 % 65.63 % 88.73 %
Q2 2009 73.53 % 66.26 % 90.11 %
Q3 2009 74.12 % 66.81 % 90.14 %
Q4 2009 75.67 % 64.95 % 85.84 %
Q1 2010 72.34 % 65.63 % 90.73 %
Q2 2010 76.50 % 67.96 % 88.84 %
Q3 2010 75.47 % 67.34 % 89.23 %
Q4 2010 75.91 % 65.72 % 86.58 %
Q1 2011 75.89 % 66.33 % 87.41 %
Q2 2011 74.55 % 63.71 % 85.45 %
Q3 2011 74.64 % 68.50 % 91.78 %
Q4 2011 78.28 % 65.72 % 83.96 %
Q1 2012 74.83 % 64.78 % 86.57 %
Q2 2012 74.07 % 68.34 % 92.27 %
Q3 2012 75.40 % 65.96 % 87.48 %
Q4 2012 73.25 % 65.15 % 88.94 %
Q1 2013 72.72 % 64.52 % 88.73 %
Q2 2013 75.14 % 66.49 % 88.49 %
Q3 2013 74.36 % 66.99 % 90.09 %
Q4 2013 77.39 % 65.45 % 84.58 %


Per Share Data (Riyal)

Compared With The
Period Shares Outstanding (M) EPS (Riyal) Adjusted EPS (Riyal) EPS Diluted (Riyal) Book Value (BV)
Q1 2004 1,205.36 1.03 1.03 - 4.51
Q2 2004 1,205.36 1.13 1.13 - 4.39
Q3 2004 1,205.36 1.22 1.22 - 4.77
Q4 2004 1,205.36 1.27 1.27 - 4.58
Q1 2005 1,205.36 1.36 1.36 - 4.83
Q2 2005 1,205.36 1.48 1.48 - 5.05
Q3 2005 1,205.36 1.64 1.64 - 5.45
Q4 2005 1,205.36 1.84 1.84 - 5.96
Q1 2006 1,205.36 2.21 2.21 - 6.44
Q2 2006 1,205.36 2.40 2.40 - 6.58
Q3 2006 1,205.36 2.52 2.52 - 7.31
Q4 2006 1,205.36 2.49 2.49 - 7.80
Q1 2007 1,205.36 2.34 2.34 - 8.23
Q2 2007 1,205.36 2.27 2.27 - 8.17
Q3 2007 1,205.36 2.20 2.20 - 8.78
Q4 2007 1,205.36 2.25 2.25 - 9.33
Q1 2008 1,205.36 2.28 2.28 - 9.74
Q2 2008 1,205.36 2.32 2.32 - 10.29
Q3 2008 1,205.36 2.39 2.39 - 10.77
Q4 2008 1,205.36 2.33 2.33 - 11.65
Q1 2009 1,205.36 2.33 2.33 - 12.41
Q2 2009 1,205.36 2.27 2.27 - 12.30
Q3 2009 1,205.36 2.26 2.26 - 13.03
Q4 2009 1,205.36 2.05 2.05 - 13.05
Q1 2010 1,205.36 2.03 2.03 - 13.08
Q2 2010 1,205.36 2.08 2.08 - 14.02
Q3 2010 1,205.36 2.00 2.00 - 14.74
Q4 2010 1,205.36 2.32 2.32 - 14.94
Q1 2011 1,205.36 2.33 2.33 - 14.76
Q2 2011 1,205.36 2.34 2.34 - 15.33
Q3 2011 1,205.36 2.45 2.45 - 16.01
Q4 2011 1,205.36 2.42 2.42 - 16.31
Q1 2012 1,205.36 2.47 2.47 - 17.08
Q2 2012 1,205.36 2.46 2.46 - 17.71
Q3 2012 1,205.36 2.38 2.38 - 18.41
Q4 2012 1,205.36 2.50 2.50 - 18.82
Q1 2013 1,205.36 2.41 2.41 - 19.38
Q2 2013 1,205.36 2.42 2.42 - 19.08
Q3 2013 1,205.36 2.44 2.44 - 19.31
Q4 2013 1,205.36 2.00 2.00 - 19.26

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Adjusted P/E Price/book
Q1 2004 16.20 16.20 3.71
Q2 2004 16.06 16.06 4.13
Q3 2004 17.82 17.82 4.54
Q4 2004 22.69 22.69 6.32
Q1 2005 25.84 25.84 7.26
Q2 2005 31.06 31.06 9.08
Q3 2005 28.85 28.85 8.71
Q4 2005 27.43 27.43 8.46
Q1 2006 25.45 25.45 8.75
Q2 2006 19.70 19.70 7.20
Q3 2006 16.43 16.43 5.65
Q4 2006 15.50 15.50 4.96
Q1 2007 14.15 14.15 4.01
Q2 2007 12.74 12.74 3.54
Q3 2007 15.97 15.97 4.00
Q4 2007 24.03 24.03 5.80
Q1 2008 16.91 16.91 3.97
Q2 2008 15.43 15.43 3.48
Q3 2008 13.61 13.61 3.01
Q4 2008 9.05 9.05 1.81
Q1 2009 11.10 11.10 2.09
Q2 2009 10.67 10.67 1.97
Q3 2009 11.97 11.97 2.07
Q4 2009 11.91 11.91 1.87
Q1 2010 13.91 13.91 2.16
Q2 2010 12.45 12.45 1.85
Q3 2010 14.28 14.28 1.94
Q4 2010 11.54 11.54 1.80
Q1 2011 12.43 12.43 1.96
Q2 2011 11.36 11.36 1.73
Q3 2011 9.48 9.48 1.45
Q4 2011 10.46 10.46 1.55
Q1 2012 12.03 12.03 1.74
Q2 2012 10.18 10.18 1.41
Q3 2012 9.80 9.80 1.27
Q4 2012 8.82 8.82 1.17
Q1 2013 9.48 9.48 1.18
Q2 2013 10.05 10.05 1.27
Q3 2013 10.52 10.52 1.33
Q4 2013 13.12 13.12 1.36

Business Segments (Million)

Compared With The
Period Retail Corporate and Institutional Banking Global markets and Treasury Investment Banking and Brokerage
Q1 2004 203.39 152.67 148.82 -
Q2 2004 239.10 166.20 188.07 -
Q3 2004 261.18 169.42 152.25 -
Q4 2004 240.63 178.49 160.63 -
Q1 2005 283.32 171.52 186.76 -
Q2 2005 403.36 196.08 187.04 -
Q3 2005 443.93 197.94 167.68 -
Q4 2005 536.62 197.91 121.48 -
Q1 2006 672.81 248.75 176.35 -
Q2 2006 633.54 230.76 172.14 -
Q3 2006 544.59 238.10 189.14 -
Q4 2006 410.69 261.19 160.76 -
Q1 2007 439.52 266.97 217.63 -
Q2 2007 426.70 300.80 226.32 -
Q3 2007 397.98 298.24 206.85 -
Q4 2007 (67.89) 328.15 173.43 479.77
Q1 2008 312.18 385.69 250.05 86.25
Q2 2008 331.21 412.43 266.82 65.60
Q3 2008 316.63 384.30 388.29 46.94
Q4 2008 290.00 422.72 388.73 43.80
Q1 2009 320.74 489.90 226.82 40.77
Q2 2009 340.57 487.33 206.22 62.22
Q3 2009 331.68 502.37 188.58 34.54
Q4 2009 317.41 501.17 206.70 37.92
Q1 2010 331.34 480.68 229.08 30.96
Q2 2010 347.52 527.15 243.00 36.93
Q3 2010 330.04 517.53 212.67 24.21
Q4 2010 340.61 511.65 206.29 25.57
Q1 2011 367.46 530.56 217.35 34.90
Q2 2011 381.72 543.18 170.88 66.89
Q3 2011 402.17 566.50 157.05 38.38
Q4 2011 405.85 514.09 126.89 60.91
Q1 2012 358.44 567.86 197.30 96.61
Q2 2012 363.63 590.66 233.87 94.64
Q3 2012 349.45 572.22 205.98 92.59
Q4 2012 343.54 606.64 283.57 52.55
Q1 2013 356.29 629.23 149.70 69.83
Q2 2013 365.86 637.15 201.95 77.68
Q3 2013 363.05 637.84 220.42 62.75
Q4 2013 365.16 614.76 234.13 66.73

Current
Market Cap (M Riyal) 37,427.67
Shares Outstanding ((M)) 1,205.40
EPS ( Riyal) (TTM) 3.53
EPS Diluted ( Riyal) (TTM) 3.35
Book Value (BV) ( Riyal) 31.62
Par Value ( Riyal) 10.00
Adjusted P/E (Last12) 8.80
P/E (TTM) 8.80
Price/book 0.98
Return on Average Assets (%) (TTM) 1.6
Return on Average Equity (%) (TTM) 11.8

Share Price

31.05
(0.15) (0.48 %)

Banque Saudi Fransi (BSF)


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