Financial Results : The Saudi Investment bank posts higher net profit at SAR 960.1m in I3 of 2013

The Saudi Investment bank posts higher net profit at SAR 960.1m in I3 of 2013

30/09/2013 Argaam Exclusive

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The Saudi Investment bank, the third smallest Saudi bank, reported SAR 960.1m net profit at the end of I3 of 2014, compared to SAR 666.4m in the same period last year, as shown in the following table:



Financials (M)

Item 9m 2012 9m 2013 Change‬
Net Special Commission Income 917.70 1,029.65 12.2 %
Operating Income 1,285.22 1,525.47 18.7 %
Total Provisions (230.00) (90.00) 60.9 %
Net Income 666.42 960.06 44.1 %
Average Shares 1,250.00 1,250.00 -
EPS (Riyals) 0.53 0.77 44.1 %


Current Quarter Comparison (M)

Compared With The
Item Q3 2012 Q3 2013 Change‬
Net Special Commission Income 320.57 346.63 8.1 %
Operating Income 407.20 501.41 23.1 %
Debt Provisions (45.00) (30.00) 33.3 %
Net Income 231.80 325.39 40.4 %
Average Shares 1,250.00 1,250.00 -
EPS (Riyals) 0.19 0.26 40.4 %

Balance Sheet (B)

Item 9m 2012 9m 2013 Change‬
Assets 55.05 70.81 28.6 %
Customer Deposits 38.84 51.85 33.5 %
Loan 31.79 42.73 34.4 %


Financial results (Million)

Period Net Special Commission Income Change Operating Income Change Debt Provisions Change
Q1 2004 133.93 26.3 % 198.92 25.4 % (20.00) (53.8 %)
Q2 2004 157.74 31.9 % 318.85 59.4 % (60.00) (150.0 %)
Q3 2004 139.77 1.7 % 242.33 5.7 % (25.00) 21.9 %
Q4 2004 156.39 8.0 % 253.27 30.3 % (25.00) (108.3 %)
Q1 2005 171.33 27.9 % 302.89 52.3 % (20.00) 0.0 %
Q2 2005 197.51 25.2 % 386.89 21.3 % (30.00) 50.0 %
Q3 2005 208.57 49.2 % 392.97 62.2 % (25.00) 0.0 %
Q4 2005 208.34 33.2 % 433.26 71.1 % (25.00) 0.0 %
Q1 2006 224.80 31.2 % 669.67 121.1 % (40.00) (100.0 %)
Q2 2006 247.85 25.5 % 1,007.80 160.5 % (30.00) 0.0 %
Q3 2006 274.88 31.8 % 453.93 15.5 % (10.00) 60.0 %
Q4 2006 282.95 35.8 % 424.87 (1.9 %) (16.50) 34.0 %
Q1 2007 284.28 26.5 % 425.50 (36.5 %) (15.00) 62.5 %
Q2 2007 248.71 0.3 % 347.49 (65.5 %) (5.00) 83.3 %
Q3 2007 284.90 3.6 % 491.23 8.2 % (20.00) (100.0 %)
Q4 2007 238.11 (15.8 %) 371.12 (12.6 %) (56.70) (243.6 %)
Q1 2008 255.17 (10.2 %) 482.69 13.4 % (15.00) 0.0 %
Q2 2008 350.10 40.8 % 613.37 76.5 % (5.00) 0.0 %
Q3 2008 221.60 (22.2 %) 415.22 (15.5 %) (5.00) 75.0 %
Q4 2008 199.57 (16.2 %) 426.82 15.0 % (5.00) 91.2 %
Q1 2009 241.14 (5.5 %) 317.53 (34.2 %) (5.00) 66.7 %
Q2 2009 262.76 (24.9 %) 361.28 (41.1 %) (55.00) (1,000.0 %)
Q3 2009 239.81 8.2 % 370.32 (10.8 %) (60.00) (1,100.0 %)
Q4 2009 270.72 35.6 % 468.02 9.7 % (394.57) (7,791.3 %)
Q1 2010 312.19 29.5 % 451.13 42.1 % (293.00) (5,760.0 %)
Q2 2010 328.20 24.9 % 448.57 24.2 % (245.00) (345.5 %)
Q3 2010 350.50 46.2 % 437.42 18.1 % (150.00) (150.0 %)
Q4 2010 324.07 19.7 % 412.13 (11.9 %) (50.00) 87.3 %
Q1 2011 316.22 1.3 % 414.44 (8.1 %) (50.00) 82.9 %
Q2 2011 322.45 (1.8 %) 424.81 (5.3 %) (58.00) 76.3 %
Q3 2011 300.73 (14.2 %) 394.87 (9.7 %) (115.00) 23.3 %
Q4 2011 287.06 (11.4 %) 381.76 (7.4 %) (65.00) (30.0 %)
Q1 2012 290.66 (8.1 %) 458.62 10.7 % (115.00) (130.0 %)
Q2 2012 306.47 (5.0 %) 419.40 (1.3 %) (70.00) (20.7 %)
Q3 2012 320.57 6.6 % 407.20 3.1 % (45.00) 60.9 %
Q4 2012 324.24 13.0 % 436.39 14.3 % (25.00) 61.5 %
Q1 2013 339.61 16.8 % 505.38 10.2 % (30.00) 73.9 %
Q2 2013 343.41 12.1 % 518.68 23.7 % (30.00) 57.1 %
Q3 2013 346.63 8.1 % 501.41 23.1 % (30.00) 33.3 %


Profit Performance (Million)

Period Net Income Change EPS(Riyal) Extraordinary Income/Expense Net Profit Before Unusual Items EPS Before XO Items
Q1 2004 125.63 24.7 % 0.10 - 125.63 0.10
Q2 2004 168.25 39.1 % 0.13 - 168.25 0.13
Q3 2004 142.05 13.3 % 0.11 - 142.05 0.11
Q4 2004 151.16 29.5 % 0.12 - 151.16 0.12
Q1 2005 211.05 68.0 % 0.17 - 211.05 0.17
Q2 2005 279.39 66.1 % 0.22 - 279.39 0.22
Q3 2005 286.07 101.4 % 0.23 - 286.07 0.23
Q4 2005 287.72 90.3 % 0.23 - 287.72 0.23
Q1 2006 540.28 156.0 % 0.43 - 540.28 0.43
Q2 2006 838.29 200.0 % 0.67 - 838.29 0.67
Q3 2006 326.29 14.1 % 0.26 - 326.29 0.26
Q4 2006 301.40 4.8 % 0.24 - 301.40 0.24
Q1 2007 306.14 (43.3 %) 0.24 - 306.14 0.24
Q2 2007 225.36 (73.1 %) 0.18 - 225.36 0.18
Q3 2007 336.33 3.1 % 0.27 - 336.33 0.27
Q4 2007 (45.64) (115.1 %) (0.04) - (45.64) (0.04)
Q1 2008 258.17 (15.7 %) 0.21 - 258.17 0.21
Q2 2008 279.98 24.2 % 0.22 - 279.98 0.22
Q3 2008 65.80 (80.4 %) 0.05 - 65.80 0.05
Q4 2008 (90.72) (98.8 %) (0.07) - (90.72) (0.07)
Q1 2009 240.59 (6.8 %) 0.19 - 240.59 0.19
Q2 2009 187.83 (32.9 %) 0.15 - 187.83 0.15
Q3 2009 202.76 208.2 % 0.16 - 202.76 0.16
Q4 2009 (109.55) (20.8 %) (0.09) - (109.55) (0.09)
Q1 2010 20.88 (91.3 %) 0.02 - 20.88 0.02
Q2 2010 21.76 (88.4 %) 0.02 - 21.76 0.02
Q3 2010 148.90 (26.6 %) 0.12 - 148.90 0.12
Q4 2010 237.80 317.1 % 0.19 - 237.80 0.19
Q1 2011 207.95 896.1 % 0.17 - 207.95 0.17
Q2 2011 208.22 856.8 % 0.17 - 208.22 0.17
Q3 2011 144.02 (3.3 %) 0.12 - 144.02 0.12
Q4 2011 147.42 (38.0 %) 0.12 - 147.42 0.12
Q1 2012 212.24 2.1 % 0.17 - 212.24 0.17
Q2 2012 222.39 6.8 % 0.18 - 222.39 0.18
Q3 2012 231.80 61.0 % 0.19 - 231.80 0.19
Q4 2012 245.62 66.6 % 0.20 - 245.62 0.20
Q1 2013 314.27 48.1 % 0.25 - 314.27 0.25
Q2 2013 320.40 44.1 % 0.26 - 320.40 0.26
Q3 2013 325.39 40.4 % 0.26 - 325.39 0.26

Profitability

Period Return On Average Assets Return on Average Equity Net Interest Income/Total Operating Income
Q1 2004 2.22 % 19.20 % 65.13 %
Q2 2004 2.56 % 19.87 % 60.97 %
Q3 2004 2.34 % 18.93 % 60.37 %
Q4 2004 2.34 % 19.12 % 58.01 %
Q1 2005 2.40 % 19.60 % 55.96 %
Q2 2005 2.79 % 20.94 % 56.10 %
Q3 2005 2.99 % 22.66 % 54.92 %
Q4 2005 3.12 % 24.14 % 51.83 %
Q1 2006 3.76 % 28.99 % 44.57 %
Q2 2006 5.33 % 38.47 % 35.53 %
Q3 2006 5.35 % 36.97 % 37.27 %
Q4 2006 4.99 % 35.48 % 40.31 %
Q1 2007 4.34 % 29.73 % 47.14 %
Q2 2007 2.91 % 19.16 % 66.04 %
Q3 2007 2.80 % 18.69 % 65.17 %
Q4 2007 1.88 % 12.88 % 64.57 %
Q1 2008 1.80 % 11.83 % 60.67 %
Q2 2008 1.79 % 12.22 % 57.61 %
Q3 2008 1.12 % 8.24 % 56.58 %
Q4 2008 1.03 % 7.69 % 52.96 %
Q1 2009 1.03 % 7.25 % 57.10 %
Q2 2009 0.79 % 5.67 % 60.83 %
Q3 2009 1.03 % 7.41 % 63.91 %
Q4 2009 1.01 % 7.47 % 66.86 %
Q1 2010 0.61 % 4.16 % 65.76 %
Q2 2010 0.27 % 1.85 % 66.22 %
Q3 2010 0.16 % 1.05 % 69.89 %
Q4 2010 0.84 % 5.54 % 75.17 %
Q1 2011 1.22 % 7.76 % 77.02 %
Q2 2011 1.61 % 10.05 % 77.76 %
Q3 2011 1.60 % 9.79 % 76.75 %
Q4 2011 1.37 % 8.49 % 75.90 %
Q1 2012 1.38 % 8.42 % 72.34 %
Q2 2012 1.40 % 8.47 % 71.61 %
Q3 2012 1.54 % 9.30 % 72.27 %
Q4 2012 1.64 % 10.17 % 72.14 %
Q1 2013 1.76 % 11.29 % 73.00 %
Q2 2013 1.85 % 12.22 % 71.10 %
Q3 2013 1.92 % 12.71 % 69.01 %

Balance Sheet (B)

Period Assets Change Customer Deposits Change Loan Change
Q1 2004 23.56 15.6 % 16.45 8.1 % 11.62 23.6 %
Q2 2004 22.20 13.1 % 14.44 0.7 % 10.83 5.8 %
Q3 2004 25.83 20.4 % 17.90 21.0 % 11.54 6.3 %
Q4 2004 28.54 31.5 % 20.28 40.8 % 13.03 27.4 %
Q1 2005 32.40 37.5 % 23.99 45.8 % 15.18 30.6 %
Q2 2005 34.05 53.4 % 24.47 69.4 % 17.19 58.7 %
Q3 2005 36.21 40.2 % 24.80 38.6 % 19.15 65.9 %
Q4 2005 39.58 38.7 % 27.86 37.3 % 19.79 51.9 %
Q1 2006 41.78 29.0 % 29.33 22.3 % 19.75 30.1 %
Q2 2006 39.17 15.0 % 26.95 10.1 % 19.32 12.4 %
Q3 2006 38.32 5.8 % 25.89 4.4 % 20.18 5.4 %
Q4 2006 40.84 3.2 % 27.93 0.3 % 20.69 4.5 %
Q1 2007 39.89 (4.5 %) 27.60 (5.9 %) 17.82 (9.8 %)
Q2 2007 40.44 3.2 % 27.69 2.8 % 19.73 2.1 %
Q3 2007 45.13 17.8 % 30.54 17.9 % 21.75 7.8 %
Q4 2007 46.54 13.9 % 32.77 17.3 % 23.13 11.8 %
Q1 2008 46.12 15.6 % 33.08 19.8 % 24.56 37.9 %
Q2 2008 51.93 28.4 % 36.86 33.1 % 28.14 42.6 %
Q3 2008 54.50 20.8 % 43.05 41.0 % 29.87 37.4 %
Q4 2008 53.60 15.2 % 40.70 24.2 % 29.56 27.8 %
Q1 2009 50.28 9.0 % 38.04 15.0 % 30.11 22.6 %
Q2 2009 50.73 (2.3 %) 36.36 (1.4 %) 30.15 7.2 %
Q3 2009 50.57 (7.2 %) 38.42 (10.8 %) 30.53 2.2 %
Q4 2009 50.15 (6.4 %) 38.25 (6.0 %) 29.78 0.8 %
Q1 2010 49.49 (1.6 %) 36.51 (4.0 %) 30.65 1.8 %
Q2 2010 48.87 (3.7 %) 35.77 (1.6 %) 30.55 1.3 %
Q3 2010 49.32 (2.5 %) 35.60 (7.3 %) 31.21 2.2 %
Q4 2010 51.49 2.7 % 37.22 (2.7 %) 31.00 4.1 %
Q1 2011 51.22 3.5 % 37.97 4.0 % 30.78 0.4 %
Q2 2011 50.57 3.5 % 36.08 0.9 % 30.63 0.3 %
Q3 2011 50.62 2.6 % 36.65 2.9 % 30.47 (2.4 %)
Q4 2011 51.95 0.9 % 36.77 (1.2 %) 27.11 (12.5 %)
Q1 2012 52.19 1.9 % 36.94 (2.7 %) 27.98 (9.1 %)
Q2 2012 53.46 5.7 % 38.08 5.5 % 29.79 (2.7 %)
Q3 2012 55.05 8.7 % 38.84 6.0 % 31.79 4.3 %
Q4 2012 59.07 13.7 % 40.41 9.9 % 34.05 25.6 %
Q1 2013 63.13 21.0 % 44.04 19.2 % 36.99 32.2 %
Q2 2013 66.66 24.7 % 48.56 27.5 % 40.41 35.6 %
Q3 2013 70.81 28.6 % 51.85 33.5 % 42.73 34.4 %

Ratios

Period Customer Deposits Per Total Assets Loans and advances/Total assets Loans and advances/Customers Deposits
Q1 2004 69.82 % 49.32 % 70.65 %
Q2 2004 65.05 % 48.80 % 75.02 %
Q3 2004 69.28 % 44.68 % 64.49 %
Q4 2004 71.07 % 45.65 % 64.24 %
Q1 2005 74.03 % 46.85 % 63.29 %
Q2 2005 71.84 % 50.49 % 70.28 %
Q3 2005 68.47 % 52.88 % 77.23 %
Q4 2005 70.38 % 50.01 % 71.05 %
Q1 2006 70.20 % 47.28 % 67.34 %
Q2 2006 68.79 % 49.32 % 71.69 %
Q3 2006 67.57 % 52.66 % 77.94 %
Q4 2006 68.38 % 50.66 % 74.08 %
Q1 2007 69.20 % 44.67 % 64.55 %
Q2 2007 68.48 % 48.78 % 71.23 %
Q3 2007 67.67 % 48.19 % 71.21 %
Q4 2007 70.41 % 49.69 % 70.58 %
Q1 2008 71.72 % 53.26 % 74.26 %
Q2 2008 70.98 % 54.18 % 76.34 %
Q3 2008 78.98 % 54.82 % 69.40 %
Q4 2008 75.94 % 55.14 % 72.61 %
Q1 2009 75.65 % 59.88 % 79.15 %
Q2 2009 71.68 % 59.44 % 82.92 %
Q3 2009 75.96 % 60.36 % 79.46 %
Q4 2009 76.27 % 59.39 % 77.87 %
Q1 2010 73.77 % 61.94 % 83.96 %
Q2 2010 73.21 % 62.52 % 85.41 %
Q3 2010 72.18 % 63.29 % 87.68 %
Q4 2010 72.27 % 60.21 % 83.30 %
Q1 2011 74.14 % 60.09 % 81.06 %
Q2 2011 71.36 % 60.58 % 84.90 %
Q3 2011 72.39 % 60.19 % 83.14 %
Q4 2011 70.79 % 52.20 % 73.74 %
Q1 2012 70.79 % 53.61 % 75.74 %
Q2 2012 71.23 % 55.73 % 78.24 %
Q3 2012 70.55 % 57.74 % 81.85 %
Q4 2012 68.42 % 57.65 % 84.26 %
Q1 2013 69.76 % 58.59 % 83.99 %
Q2 2013 72.85 % 60.63 % 83.23 %
Q3 2013 73.22 % 60.33 % 82.40 %


Per Share Data (Riyal)

Compared With The
Period Shares Outstanding (M) EPS (Riyal) Adjusted EPS (Riyal) EPS Diluted (Riyal) Book Value (BV)
Q1 2004 1,250.00 0.39 0.39 - 2.30
Q2 2004 1,250.00 0.43 0.43 - 2.39
Q3 2004 1,250.00 0.44 0.44 - 2.61
Q4 2004 1,250.00 0.47 0.47 - 2.81
Q1 2005 1,250.00 0.54 0.54 - 3.19
Q2 2005 1,250.00 0.63 0.63 - 3.60
Q3 2005 1,250.00 0.74 0.74 - 3.94
Q4 2005 1,250.00 0.85 0.85 - 4.25
Q1 2006 1,250.00 1.11 1.11 - 4.50
Q2 2006 1,250.00 1.56 1.56 - 4.52
Q3 2006 1,250.00 1.59 1.59 - 4.68
Q4 2006 1,250.00 1.61 1.61 - 4.80
Q1 2007 1,250.00 1.42 1.42 - 5.04
Q2 2007 1,250.00 0.93 0.93 - 5.16
Q3 2007 1,250.00 0.94 0.94 - 5.33
Q4 2007 1,250.00 0.66 0.66 - 5.42
Q1 2008 1,250.00 0.62 0.62 - 5.43
Q2 2008 1,250.00 0.66 0.66 - 5.69
Q3 2008 1,250.00 0.45 0.45 - 5.51
Q4 2008 1,250.00 0.41 0.41 - 5.26
Q1 2009 1,250.00 0.40 0.40 - 5.51
Q2 2009 1,250.00 0.32 0.32 - 5.69
Q3 2009 1,250.00 0.43 0.43 - 6.16
Q4 2009 1,250.00 0.42 0.42 - 5.91
Q1 2010 1,250.00 0.24 0.24 - 6.10
Q2 2010 1,250.00 0.11 0.11 - 6.06
Q3 2010 1,250.00 0.07 0.07 - 6.29
Q4 2010 1,250.00 0.34 0.34 - 6.48
Q1 2011 1,250.00 0.49 0.49 - 6.62
Q2 2011 1,250.00 0.64 0.64 - 6.73
Q3 2011 1,250.00 0.64 0.64 - 6.75
Q4 2011 1,250.00 0.57 0.57 - 6.85
Q1 2012 1,250.00 0.57 0.57 - 6.92
Q2 2012 1,250.00 0.58 0.58 - 6.99
Q3 2012 1,250.00 0.65 0.65 - 7.26
Q4 2012 1,250.00 0.73 0.73 - 7.50
Q1 2013 1,250.00 0.81 0.81 - 7.46
Q2 2013 1,250.00 0.89 0.89 - 7.57
Q3 2013 1,250.00 0.96 0.96 - 7.91

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Adjusted P/E Price/book
Q1 2004 20.05 20.05 3.41
Q2 2004 17.96 17.96 3.22
Q3 2004 22.70 22.70 3.85
Q4 2004 28.48 28.48 4.76
Q1 2005 28.12 28.12 4.74
Q2 2005 39.55 39.55 6.89
Q3 2005 36.67 36.67 6.90
Q4 2005 34.06 34.06 6.83
Q1 2006 22.21 22.21 5.51
Q2 2006 16.02 16.02 5.54
Q3 2006 14.76 14.76 5.03
Q4 2006 11.48 11.48 3.84
Q1 2007 9.90 9.90 2.79
Q2 2007 14.50 14.50 2.61
Q3 2007 14.38 14.38 2.52
Q4 2007 30.24 30.24 3.67
Q1 2008 21.05 21.05 2.40
Q2 2008 19.08 19.08 2.22
Q3 2008 23.79 23.79 1.93
Q4 2008 15.67 15.67 1.22
Q1 2009 16.40 16.40 1.18
Q2 2009 21.03 21.03 1.19
Q3 2009 16.87 16.87 1.18
Q4 2009 16.77 16.77 1.18
Q1 2010 30.47 30.47 1.21
Q2 2010 More than 100 More than 100 1.24
Q3 2010 More than 100 More than 100 1.39
Q4 2010 24.92 24.92 1.32
Q1 2011 19.49 19.49 1.45
Q2 2011 13.95 13.95 1.33
Q3 2011 12.69 12.69 1.20
Q4 2011 13.57 13.57 1.12
Q1 2012 17.54 17.54 1.44
Q2 2012 12.85 12.85 1.07
Q3 2012 11.69 11.69 1.05
Q4 2012 11.80 11.80 1.15
Q1 2013 10.43 10.43 1.13
Q2 2013 11.70 11.70 1.37
Q3 2013 11.69 11.69 1.42

Business Segments (Million)

Compared With The
Period Retail Corporate and Institutional Banking Global markets and Treasury Brokerage and Asset Management
Q1 2004 112.70 59.16 27.05 -
Q2 2004 174.97 39.90 103.97 -
Q3 2004 168.90 42.31 31.12 -
Q4 2004 171.43 58.62 22.86 -
Q1 2005 196.62 66.58 39.69 -
Q2 2005 251.83 81.07 54.00 -
Q3 2005 279.52 70.13 43.32 -
Q4 2005 177.04 109.22 146.99 -
Q1 2006 331.62 90.44 247.61 -
Q2 2006 346.59 80.73 580.47 -
Q3 2006 258.23 108.58 87.12 -
Q4 2006 229.70 119.22 75.95 -
Q1 2007 199.02 131.20 95.27 -
Q2 2007 137.20 128.35 81.94 -
Q3 2007 155.34 153.96 181.94 -
Q4 2007 (38.70) 150.63 (9.19) 268.39
Q1 2008 104.75 159.31 134.13 84.51
Q2 2008 121.48 167.53 249.46 74.90
Q3 2008 168.38 176.10 17.67 53.07
Q4 2008 106.98 160.43 122.74 36.68
Q1 2009 129.79 127.26 35.02 25.47
Q2 2009 166.44 134.60 25.55 34.70
Q3 2009 128.61 134.84 83.13 23.75
Q4 2009 175.19 272.80 (10.82) 30.86
Q1 2010 159.67 135.51 129.97 25.99
Q2 2010 175.65 152.45 92.40 28.07
Q3 2010 215.74 125.99 74.48 21.21
Q4 2010 147.93 242.09 (1.36) 23.47
Q1 2011 153.32 152.78 84.60 23.74
Q2 2011 167.24 155.90 78.31 23.36
Q3 2011 165.01 153.49 58.08 18.29
Q4 2011 160.50 141.49 57.43 22.34
Q1 2012 163.47 187.96 79.05 28.15
Q2 2012 170.50 153.23 72.13 23.54
Q3 2012 182.17 122.01 84.83 18.19
Q4 2012 171.57 157.40 88.43 18.99
Q1 2013 174.07 154.75 143.85 32.71
Q2 2013 154.10 171.26 169.87 23.44
Q3 2013 188.69 117.81 173.46 21.46


Financial Ratios
Current
Market Cap (M Riyal) 17,375.00
Shares Outstanding ((M)) 1,250.00
EPS ( Riyal) (TTM) 1.52
EPS Diluted ( Riyal) (TTM) 1.39
Book Value (BV) ( Riyal) 12.27
Par Value ( Riyal) 10.00
Adjusted P/E (Last12) 9.17
P/E (TTM) 9.17
Price/book 1.13
Return on Average Assets (%) (TTM) 1.3
Return on Average Equity (%) (TTM) 13.0
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Share Price

Saudi Investment Bank
13.90
(0.04) (0.29 %)

Saudi Investment Bank (SAIB)

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