Saudi Investment Bank (SAIB) reported a net profit of SAR 723 million in the first half of 2018, a 3 percent increase year-on-year (YoY), driven by higher total operating income, net special commission income, fee income from banking services and FX income.
Item | 6m 2017 | 6m 2018 | Change |
---|---|---|---|
Net Special Commission Income | 949.46 | 1,137.56 | 19.8 % |
Operating Income | 1,280.80 | 1,357.41 | 6.0 % |
Total Provisions | (119.00) | (152.75) | (28.4 %) |
Net Income | 700.59 | 682.79 | (2.5 %) |
Average Shares | 1,250.00 | 1,250.00 | - |
EPS (Riyals) | 0.56 | 0.55 | (2.5 %) |
The Q2 net profit edged up 1.7 percent YoY to SAR 361.6 million.
When compared to Q1 2018, net profit edged up 0.1 percent on a 4.7 percent decline in operating expenses and lower credit provisions.
Item | Q2 2017 | Q2 2018 | Change |
---|---|---|---|
Net Special Commission Income | 486.44 | 573.40 | 17.9 % |
Operating Income | 655.84 | 671.08 | 2.3 % |
Debt Provisions | (74.00) | (64.21) | 13.2 % |
Net Income | 355.65 | 336.78 | (5.3 %) |
Average Shares | 1,250.00 | 1,250.00 | - |
EPS (Riyals) | 0.28 | 0.27 | (5.3 %) |
Item | Q1 2018 | Q2 2018 | Change |
---|---|---|---|
Net Special Commission Income | 564.16 | 573.40 | 1.6 % |
Operating Income | 686.32 | 671.08 | (2.2 %) |
Debt Provisions | (88.55) | (64.21) | 27.5 % |
Net Income | 346.01 | 336.78 | (2.7 %) |
Average Shares | 1,250.00 | 1,250.00 | - |
EPS (Riyals) | 0.28 | 0.27 | (2.7 %) |
Item | 6m 2017 | 6m 2018 | Change |
---|---|---|---|
Assets | 96.88 | 101.95 | 5.2 % |
Customer Deposits | 66.56 | 71.30 | 7.1 % |
Loan | 61.63 | 59.33 | (3.7 %) |
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
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 %) |
2009 | 1,014.42 | (1.2 %) | 1,517.16 | (21.7 %) | (514.57) | (1,615.2 %) |
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 % |
2010 | 1,314.96 | 29.6 % | 1,749.26 | 15.3 % | (738.00) | (43.4 %) |
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 %) |
2011 | 1,226.46 | (6.7 %) | 1,615.88 | (7.6 %) | (288.00) | 61.0 % |
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 % |
2012 | 1,241.93 | 1.3 % | 1,721.60 | 6.5 % | (255.00) | 11.5 % |
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 % |
Q4 2013 | 335.34 | 3.4 % | 491.19 | 12.6 % | (15.00) | 40.0 % |
2013 | 1,364.98 | 9.9 % | 2,016.67 | 17.1 % | (105.00) | 58.8 % |
Q1 2014 | 354.68 | 4.4 % | 533.35 | 5.5 % | (141.00) | (370.0 %) |
Q2 2014 | 371.05 | 8.0 % | 550.75 | 6.2 % | (21.00) | 30.0 % |
Q3 2014 | 389.06 | 12.2 % | 576.12 | 14.9 % | (14.00) | 53.3 % |
Q4 2014 | 424.77 | 26.7 % | 647.00 | 31.7 % | (45.30) | (202.0 %) |
2014 | 1,539.56 | 12.8 % | 2,307.23 | 14.4 % | (221.30) | (110.8 %) |
Q1 2015 | 430.57 | 21.4 % | 652.24 | 22.3 % | (23.00) | 83.7 % |
Q2 2015 | 430.97 | 16.1 % | 640.48 | 16.3 % | (46.00) | (119.0 %) |
Q3 2015 | 441.57 | 13.5 % | 603.17 | 4.7 % | (22.00) | (57.1 %) |
Q4 2015 | 428.08 | 0.8 % | 615.17 | (4.9 %) | (27.00) | 40.4 % |
2015 | 1,731.19 | 12.4 % | 2,511.06 | 8.8 % | (118.00) | 46.7 % |
Q1 2016 | 412.80 | (4.1 %) | 590.74 | (9.4 %) | (118.00) | (413.0 %) |
Q2 2016 | 420.70 | (2.4 %) | 612.19 | (4.4 %) | (58.00) | (26.1 %) |
Q3 2016 | 460.66 | 4.3 % | 633.14 | 5.0 % | (30.00) | (36.4 %) |
Q4 2016 | 377.90 | (11.7 %) | 569.79 | (7.4 %) | (40.00) | (48.1 %) |
2016 | 1,672.06 | (3.4 %) | 2,405.87 | (4.2 %) | (246.00) | (108.5 %) |
Q1 2017 | 463.02 | 12.2 % | 624.96 | 5.8 % | (45.00) | 61.9 % |
Q2 2017 | 486.44 | 15.6 % | 655.84 | 7.1 % | (74.00) | (27.6 %) |
Q3 2017 | 508.96 | 10.5 % | 701.64 | 10.8 % | (63.00) | (110.0 %) |
Q4 2017 | 583.65 | 54.4 % | 677.44 | 18.9 % | (31.00) | 22.5 % |
2017 | 2,042.06 | 22.1 % | 2,659.88 | 10.6 % | (213.00) | 13.4 % |
Q1 2018 | 564.16 | 21.8 % | 686.32 | 9.8 % | (88.55) | (96.8 %) |
Q2 2018 | 573.40 | 17.9 % | 671.08 | 2.3 % | (64.21) | 13.2 % |
Period | Net Special Commission Income | Change | Operating Income | Change | Debt Provisions | Change |
---|---|---|---|---|---|---|
2008 | 1,026.44 | (2.8 %) | 1,938.09 | 18.5 % | (30.00) | 69.0 % |
2009 | 1,014.42 | (1.2 %) | 1,517.16 | (21.7 %) | (514.57) | (1,615.2 %) |
2010 | 1,314.96 | 29.6 % | 1,749.26 | 15.3 % | (738.00) | (43.4 %) |
2011 | 1,226.46 | (6.7 %) | 1,615.88 | (7.6 %) | (288.00) | 61.0 % |
2012 | 1,241.93 | 1.3 % | 1,721.60 | 6.5 % | (255.00) | 11.5 % |
2013 | 1,364.98 | 9.9 % | 2,016.67 | 17.1 % | (105.00) | 58.8 % |
2014 | 1,539.56 | 12.8 % | 2,307.23 | 14.4 % | (221.30) | (110.8 %) |
2015 | 1,731.19 | 12.4 % | 2,511.06 | 8.8 % | (118.00) | 46.7 % |
2016 | 1,672.06 | (3.4 %) | 2,405.87 | (4.2 %) | (246.00) | (108.5 %) |
2017 | 2,042.06 | 22.1 % | 2,659.88 | 10.6 % | (213.00) | 13.4 % |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
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) |
2009 | 521.63 | 1.6 % | 0.42 | - | 521.63 | 0.42 |
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 |
2010 | 429.33 | (17.7 %) | 0.34 | - | 429.33 | 0.34 |
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 |
2011 | 707.61 | 64.8 % | 0.57 | - | 707.61 | 0.57 |
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 |
2012 | 912.04 | 28.9 % | 0.73 | - | 912.04 | 0.73 |
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 |
Q4 2013 | 326.77 | 33.0 % | 0.26 | - | 326.77 | 0.26 |
2013 | 1,286.83 | 41.1 % | 1.03 | - | 1,286.83 | 1.03 |
Q1 2014 | 337.47 | 7.4 % | 0.27 | 223.95 | 113.52 | 0.09 |
Q2 2014 | 352.96 | 10.2 % | 0.28 | - | 352.96 | 0.28 |
Q3 2014 | 371.17 | 14.1 % | 0.30 | - | 371.17 | 0.30 |
Q4 2014 | 374.87 | 14.7 % | 0.30 | 0.00 | 374.87 | 0.30 |
2014 | 1,436.48 | 11.6 % | 1.15 | 223.95 | 1,212.53 | 0.97 |
Q1 2015 | 366.70 | 8.7 % | 0.29 | - | 366.70 | 0.29 |
Q2 2015 | 382.57 | 8.4 % | 0.31 | - | 382.57 | 0.31 |
Q3 2015 | 351.43 | (5.3 %) | 0.28 | - | 351.43 | 0.28 |
Q4 2015 | 227.96 | (39.2 %) | 0.18 | - | 227.96 | 0.18 |
2015 | 1,328.66 | (7.5 %) | 1.06 | - | 1,328.66 | 1.06 |
Q1 2016 | 210.00 | (42.7 %) | 0.17 | - | 210.00 | 0.17 |
Q2 2016 | 321.37 | (16.0 %) | 0.26 | - | 321.37 | 0.26 |
Q3 2016 | 219.43 | (37.6 %) | 0.18 | - | 219.43 | 0.18 |
Q4 2016 | 302.17 | 32.6 % | 0.24 | - | 302.17 | 0.24 |
2016 | 1,052.96 | (20.8 %) | 0.84 | - | 1,052.96 | 0.84 |
Q1 2017 | 344.94 | 64.3 % | 0.28 | - | 344.94 | 0.28 |
Q2 2017 | 355.65 | 10.7 % | 0.28 | - | 355.65 | 0.28 |
Q3 2017 | 358.35 | 63.3 % | 0.29 | - | 358.35 | 0.29 |
Q4 2017 | 351.86 | 16.4 % | 0.28 | - | 351.86 | 0.28 |
2017 | 1,410.80 | 34.0 % | 1.13 | - | 1,410.80 | 1.13 |
Q1 2018 | 346.01 | 0.3 % | 0.28 | - | 346.01 | 0.28 |
Q2 2018 | 336.78 | (5.3 %) | 0.27 | - | 336.78 | 0.27 |
Period | Net Income | Change | EPS(Riyal) | Extraordinary Income/Expense | Net Profit Before Unusual Items | EPS Before XO Items |
---|---|---|---|---|---|---|
2008 | 513.23 | (37.6 %) | 0.41 | - | 513.23 | 0.41 |
2009 | 521.63 | 1.6 % | 0.42 | - | 521.63 | 0.42 |
2010 | 429.33 | (17.7 %) | 0.34 | - | 429.33 | 0.34 |
2011 | 707.61 | 64.8 % | 0.57 | - | 707.61 | 0.57 |
2012 | 912.04 | 28.9 % | 0.73 | - | 912.04 | 0.73 |
2013 | 1,286.83 | 41.1 % | 1.03 | - | 1,286.83 | 1.03 |
2014 | 1,436.48 | 11.6 % | 1.15 | 223.95 | 1,212.53 | 0.97 |
2015 | 1,328.66 | (7.5 %) | 1.06 | - | 1,328.66 | 1.06 |
2016 | 1,052.96 | (20.8 %) | 0.84 | - | 1,052.96 | 0.84 |
2017 | 1,410.80 | 34.0 % | 1.13 | - | 1,410.80 | 1.13 |
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
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 % |
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 % |
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 % |
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 % |
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 % |
Q4 2013 | 1.84 % | 13.11 % | 67.69 % |
2013 | 1.84 % | 13.11 % | 67.69 % |
Q1 2014 | 1.79 % | 12.91 % | 67.50 % |
Q2 2014 | 1.74 % | 13.15 % | 67.78 % |
Q3 2014 | 1.72 % | 12.70 % | 67.40 % |
Q4 2014 | 1.65 % | 13.00 % | 66.73 % |
2014 | 1.65 % | 13.00 % | 66.73 % |
Q1 2015 | 1.69 % | 12.78 % | 66.59 % |
Q2 2015 | 1.66 % | 13.05 % | 66.59 % |
Q3 2015 | 1.63 % | 12.38 % | 67.95 % |
Q4 2015 | 1.42 % | 11.12 % | 68.94 % |
2015 | 1.42 % | 11.12 % | 68.94 % |
Q1 2016 | 1.25 % | 9.83 % | 69.95 % |
Q2 2016 | 1.18 % | 9.38 % | 70.34 % |
Q3 2016 | 1.05 % | 8.12 % | 70.26 % |
Q4 2016 | 1.13 % | 8.47 % | 69.50 % |
2016 | 1.13 % | 8.47 % | 69.50 % |
Q1 2017 | 1.24 % | 9.49 % | 70.58 % |
Q2 2017 | 1.27 % | 9.87 % | 71.99 % |
Q3 2017 | 1.40 % | 10.71 % | 71.95 % |
Q4 2017 | 1.51 % | 10.72 % | 76.77 % |
2017 | 1.51 % | 10.72 % | 76.77 % |
Q1 2018 | 1.51 % | 10.82 % | 78.76 % |
Q2 2018 | 1.40 % | 10.81 % | 81.50 % |
Period | Return On Average Assets | Return on Average Equity | Net Interest Income/Total Operating Income |
---|---|---|---|
2008 | 1.03 % | 7.69 % | 52.96 % |
2009 | 1.01 % | 7.47 % | 66.86 % |
2010 | 0.84 % | 5.54 % | 75.17 % |
2011 | 1.37 % | 8.49 % | 75.90 % |
2012 | 1.64 % | 10.17 % | 72.14 % |
2013 | 1.84 % | 13.11 % | 67.69 % |
2014 | 1.65 % | 13.00 % | 66.73 % |
2015 | 1.42 % | 11.12 % | 68.94 % |
2016 | 1.13 % | 8.47 % | 69.50 % |
2017 | 1.51 % | 10.72 % | 76.77 % |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
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 % |
Q4 2013 | 80.50 | 36.3 % | 57.04 | 41.2 % | 47.57 | 39.7 % |
Q1 2014 | 82.86 | 31.3 % | 62.14 | 41.1 % | 52.24 | 41.2 % |
Q2 2014 | 88.06 | 32.1 % | 67.73 | 39.5 % | 54.77 | 35.5 % |
Q3 2014 | 90.55 | 27.9 % | 69.68 | 34.4 % | 57.56 | 34.7 % |
Q4 2014 | 93.63 | 16.3 % | 70.73 | 24.0 % | 57.47 | 20.8 % |
Q1 2015 | 91.06 | 9.9 % | 69.63 | 12.0 % | 57.32 | 9.7 % |
Q2 2015 | 92.51 | 5.1 % | 70.48 | 4.1 % | 57.17 | 4.4 % |
Q3 2015 | 90.27 | (0.3 %) | 66.82 | (4.1 %) | 58.08 | 0.9 % |
Q4 2015 | 93.58 | (0.1 %) | 70.52 | (0.3 %) | 60.27 | 4.9 % |
Q1 2016 | 96.39 | 5.9 % | 70.69 | 1.5 % | 61.62 | 7.5 % |
Q2 2016 | 95.95 | 3.7 % | 68.09 | (3.4 %) | 61.25 | 7.1 % |
Q3 2016 | 96.18 | 6.5 % | 66.45 | (0.6 %) | 61.29 | 5.5 % |
Q4 2016 | 93.05 | (0.6 %) | 65.64 | (6.9 %) | 60.25 | 0.0 % |
Q1 2017 | 95.18 | (1.3 %) | 64.44 | (8.8 %) | 60.29 | (2.2 %) |
Q2 2017 | 96.88 | 1.0 % | 66.56 | (2.2 %) | 61.63 | 0.6 % |
Q3 2017 | 98.33 | 2.2 % | 71.06 | 6.9 % | 61.07 | (0.4 %) |
Q4 2017 | 93.80 | 0.8 % | 66.94 | 2.0 % | 59.59 | (1.1 %) |
Q1 2018 | 91.53 | (3.8 %) | 61.03 | (5.3 %) | 57.90 | (4.0 %) |
Q2 2018 | 101.95 | 5.2 % | 71.30 | 7.1 % | 59.33 | (3.7 %) |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
3m 2009 | 50.28 | 9.0 % | 38.04 | 15.0 % | 30.11 | 22.6 % |
6m 2009 | 50.73 | (2.3 %) | 36.36 | (1.4 %) | 30.15 | 7.2 % |
9m 2009 | 50.57 | (7.2 %) | 38.42 | (10.8 %) | 30.53 | 2.2 % |
12m 2009 | 50.15 | (6.4 %) | 38.25 | (6.0 %) | 29.78 | 0.8 % |
3m 2010 | 49.49 | (1.6 %) | 36.51 | (4.0 %) | 30.65 | 1.8 % |
6m 2010 | 48.87 | (3.7 %) | 35.77 | (1.6 %) | 30.55 | 1.3 % |
9m 2010 | 49.32 | (2.5 %) | 35.60 | (7.3 %) | 31.21 | 2.2 % |
12m 2010 | 51.49 | 2.7 % | 37.22 | (2.7 %) | 31.00 | 4.1 % |
3m 2011 | 51.22 | 3.5 % | 37.97 | 4.0 % | 30.78 | 0.4 % |
6m 2011 | 50.57 | 3.5 % | 36.08 | 0.9 % | 30.63 | 0.3 % |
9m 2011 | 50.62 | 2.6 % | 36.65 | 2.9 % | 30.47 | (2.4 %) |
12m 2011 | 51.95 | 0.9 % | 36.77 | (1.2 %) | 27.11 | (12.5 %) |
3m 2012 | 52.19 | 1.9 % | 36.94 | (2.7 %) | 27.98 | (9.1 %) |
6m 2012 | 53.46 | 5.7 % | 38.08 | 5.5 % | 29.79 | (2.7 %) |
9m 2012 | 55.05 | 8.7 % | 38.84 | 6.0 % | 31.79 | 4.3 % |
12m 2012 | 59.07 | 13.7 % | 40.41 | 9.9 % | 34.05 | 25.6 % |
3m 2013 | 63.13 | 21.0 % | 44.04 | 19.2 % | 36.99 | 32.2 % |
6m 2013 | 66.66 | 24.7 % | 48.56 | 27.5 % | 40.41 | 35.6 % |
9m 2013 | 70.81 | 28.6 % | 51.85 | 33.5 % | 42.73 | 34.4 % |
12m 2013 | 80.50 | 36.3 % | 57.04 | 41.2 % | 47.57 | 39.7 % |
3m 2014 | 82.86 | 31.3 % | 62.14 | 41.1 % | 52.24 | 41.2 % |
6m 2014 | 88.06 | 32.1 % | 67.73 | 39.5 % | 54.77 | 35.5 % |
9m 2014 | 90.55 | 27.9 % | 69.68 | 34.4 % | 57.56 | 34.7 % |
12m 2014 | 93.63 | 16.3 % | 70.73 | 24.0 % | 57.47 | 20.8 % |
3m 2015 | 91.06 | 9.9 % | 69.63 | 12.0 % | 57.32 | 9.7 % |
6m 2015 | 92.51 | 5.1 % | 70.48 | 4.1 % | 57.17 | 4.4 % |
9m 2015 | 90.27 | (0.3 %) | 66.82 | (4.1 %) | 58.08 | 0.9 % |
12m 2015 | 93.58 | (0.1 %) | 70.52 | (0.3 %) | 60.27 | 4.9 % |
3m 2016 | 96.39 | 5.9 % | 70.69 | 1.5 % | 61.62 | 7.5 % |
6m 2016 | 95.95 | 3.7 % | 68.09 | (3.4 %) | 61.25 | 7.1 % |
9m 2016 | 96.18 | 6.5 % | 66.45 | (0.6 %) | 61.29 | 5.5 % |
12m 2016 | 93.05 | (0.6 %) | 65.64 | (6.9 %) | 60.25 | 0.0 % |
3m 2017 | 95.18 | (1.3 %) | 64.44 | (8.8 %) | 60.29 | (2.2 %) |
6m 2017 | 96.88 | 1.0 % | 66.56 | (2.2 %) | 61.63 | 0.6 % |
9m 2017 | 98.33 | 2.2 % | 71.06 | 6.9 % | 61.07 | (0.4 %) |
12m 2017 | 93.80 | 0.8 % | 66.94 | 2.0 % | 59.59 | (1.1 %) |
3m 2018 | 91.53 | (3.8 %) | 61.03 | (5.3 %) | 57.90 | (4.0 %) |
6m 2018 | 101.95 | 5.2 % | 71.30 | 7.1 % | 59.33 | (3.7 %) |
Period | Assets | Change | Customer Deposits | Change | Loan | Change |
---|---|---|---|---|---|---|
2008 | 53.60 | 15.2 % | 40.70 | 24.2 % | 29.56 | 27.8 % |
2009 | 50.15 | (6.4 %) | 38.25 | (6.0 %) | 29.78 | 0.8 % |
2010 | 51.49 | 2.7 % | 37.22 | (2.7 %) | 31.00 | 4.1 % |
2011 | 51.95 | 0.9 % | 36.77 | (1.2 %) | 27.11 | (12.5 %) |
2012 | 59.07 | 13.7 % | 40.41 | 9.9 % | 34.05 | 25.6 % |
2013 | 80.50 | 36.3 % | 57.04 | 41.2 % | 47.57 | 39.7 % |
2014 | 93.63 | 16.3 % | 70.73 | 24.0 % | 57.47 | 20.8 % |
2015 | 93.58 | (0.1 %) | 70.52 | (0.3 %) | 60.27 | 4.9 % |
2016 | 93.05 | (0.6 %) | 65.64 | (6.9 %) | 60.25 | 0.0 % |
2017 | 93.80 | 0.8 % | 66.94 | 2.0 % | 59.59 | (1.1 %) |
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
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 % |
Q4 2013 | 70.87 % | 59.09 % | 83.39 % |
Q1 2014 | 75.00 % | 63.04 % | 84.06 % |
Q2 2014 | 76.91 % | 62.19 % | 80.86 % |
Q3 2014 | 76.96 % | 63.57 % | 82.61 % |
Q4 2014 | 75.55 % | 61.38 % | 81.25 % |
Q1 2015 | 76.46 % | 62.94 % | 82.32 % |
Q2 2015 | 76.18 % | 61.80 % | 81.12 % |
Q3 2015 | 74.02 % | 64.33 % | 86.91 % |
Q4 2015 | 75.36 % | 64.40 % | 85.47 % |
Q1 2016 | 73.33 % | 63.92 % | 87.17 % |
Q2 2016 | 70.96 % | 63.84 % | 89.96 % |
Q3 2016 | 69.08 % | 63.72 % | 92.24 % |
Q4 2016 | 70.55 % | 64.75 % | 91.79 % |
Q1 2017 | 67.70 % | 63.35 % | 93.56 % |
Q2 2017 | 68.70 % | 63.61 % | 92.59 % |
Q3 2017 | 72.27 % | 62.10 % | 85.93 % |
Q4 2017 | 71.37 % | 63.53 % | 89.01 % |
Q1 2018 | 66.68 % | 63.25 % | 94.86 % |
Q2 2018 | 69.93 % | 58.19 % | 83.21 % |
Period | Customer Deposits Per Total Assets | Loans and advances/Total assets | Loans and advances/Customers Deposits |
---|---|---|---|
2008 | 75.94 % | 55.14 % | 72.61 % |
2009 | 76.27 % | 59.39 % | 77.87 % |
2010 | 72.27 % | 60.21 % | 83.30 % |
2011 | 70.79 % | 52.20 % | 73.74 % |
2012 | 68.42 % | 57.65 % | 84.26 % |
2013 | 70.87 % | 59.09 % | 83.39 % |
2014 | 75.55 % | 61.38 % | 81.25 % |
2015 | 75.36 % | 64.40 % | 85.47 % |
2016 | 70.55 % | 64.75 % | 91.79 % |
2017 | 71.37 % | 63.53 % | 89.01 % |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
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 |
Q4 2013 | 1,250.00 | 1.03 | 1.03 | - | 8.20 |
Q1 2014 | 1,250.00 | 1.05 | 0.87 | - | 8.78 |
Q2 2014 | 1,250.00 | 1.07 | 0.89 | - | 8.76 |
Q3 2014 | 1,250.00 | 1.11 | 0.93 | - | 9.58 |
Q4 2014 | 1,250.00 | 1.15 | 0.97 | - | 9.48 |
Q1 2015 | 1,250.00 | 1.17 | 1.17 | - | 9.57 |
Q2 2015 | 1,250.00 | 1.20 | 1.20 | - | 9.57 |
Q3 2015 | 1,250.00 | 1.18 | 1.18 | - | 9.50 |
Q4 2015 | 1,250.00 | 1.06 | 1.06 | - | 9.63 |
Q1 2016 | 1,250.00 | 0.94 | 0.94 | - | 9.49 |
Q2 2016 | 1,250.00 | 0.89 | 0.89 | - | 9.37 |
Q3 2016 | 1,250.00 | 0.78 | 0.78 | - | 9.79 |
Q4 2016 | 1,250.00 | 0.84 | 0.84 | - | 10.27 |
Q1 2017 | 1,250.00 | 0.95 | 0.95 | - | 10.53 |
Q2 2017 | 1,250.00 | 0.98 | 0.98 | - | 10.43 |
Q3 2017 | 1,250.00 | 1.09 | 1.09 | - | 10.55 |
Q4 2017 | 1,250.00 | 1.13 | 1.13 | - | 10.80 |
Q1 2018 | 1,250.00 | 1.13 | 1.13 | - | 10.35 |
Q2 2018 | 1,250.00 | 1.11 | 1.11 | - | 10.18 |
Period | Shares Outstanding (M) | EPS (Riyal) | Adjusted EPS (Riyal) | EPS Diluted (Riyal) | Book Value (BV) |
---|---|---|---|---|---|
2008 | 1,250.00 | 0.41 | 0.41 | - | 5.26 |
2009 | 1,250.00 | 0.42 | 0.42 | - | 5.91 |
2010 | 1,250.00 | 0.34 | 0.34 | - | 6.48 |
2011 | 1,250.00 | 0.57 | 0.57 | - | 6.85 |
2012 | 1,250.00 | 0.73 | 0.73 | - | 7.50 |
2013 | 1,250.00 | 1.03 | 1.03 | - | 8.20 |
2014 | 1,250.00 | 1.15 | 0.97 | - | 9.48 |
2015 | 1,250.00 | 1.06 | 1.06 | - | 9.63 |
2016 | 1,250.00 | 0.84 | 0.84 | - | 10.27 |
2017 | 1,250.00 | 1.13 | 1.13 | - | 10.80 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
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 |
Q4 2013 | 13.26 | 13.26 | 1.66 |
Q1 2014 | 13.94 | 16.81 | 1.66 |
Q2 2014 | 12.42 | 14.91 | 1.52 |
Q3 2014 | 14.38 | 17.14 | 1.67 |
Q4 2014 | 11.70 | 13.86 | 1.42 |
Q1 2015 | 10.61 | 10.61 | 1.30 |
Q2 2015 | 9.86 | 9.86 | 1.23 |
Q3 2015 | 8.91 | 8.91 | 1.11 |
Q4 2015 | 8.41 | 8.41 | 0.93 |
Q1 2016 | 8.70 | 8.70 | 0.86 |
Q2 2016 | 8.00 | 8.00 | 0.76 |
Q3 2016 | 7.29 | 7.29 | 0.58 |
Q4 2016 | 10.08 | 10.08 | 0.83 |
Q1 2017 | 8.18 | 8.18 | 0.74 |
Q2 2017 | 7.99 | 7.99 | 0.75 |
Q3 2017 | 8.28 | 8.28 | 0.85 |
Q4 2017 | 8.02 | 8.02 | 0.84 |
Q1 2018 | 8.23 | 8.23 | 0.90 |
Q2 2018 | 9.75 | 9.75 | 1.07 |
Period | P/E | Adjusted P/E | Price/book |
---|---|---|---|
2008 | 15.67 | 15.67 | 1.22 |
2009 | 16.77 | 16.77 | 1.18 |
2010 | 24.92 | 24.92 | 1.32 |
2011 | 13.57 | 13.57 | 1.12 |
2012 | 11.80 | 11.80 | 1.15 |
2013 | 13.26 | 13.26 | 1.66 |
2014 | 11.70 | 13.86 | 1.42 |
2015 | 8.41 | 8.41 | 0.93 |
2016 | 10.08 | 10.08 | 0.83 |
2017 | 8.02 | 8.02 | 0.84 |
Q2 2018
2018
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Brokerage and Asset Management | Joint Projects | Others |
---|---|---|---|---|---|---|
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 | - | - |
Q4 2013 | 161.33 | 161.54 | 146.73 | 21.60 | - | - |
Q1 2014 | 186.89 | 196.13 | 342.87 | 31.42 | - | - |
Q2 2014 | 218.89 | 198.35 | 98.34 | 35.18 | - | - |
Q3 2014 | 222.61 | 196.14 | 123.01 | 34.37 | - | - |
Q4 2014 | 294.50 | 237.12 | 84.60 | 30.78 | - | - |
Q1 2015 | 221.00 | 259.25 | 140.23 | 38.90 | 2.14 | (9.28) |
Q2 2015 | 185.47 | 306.77 | 131.29 | 34.83 | (6.63) | (11.25) |
Q3 2015 | 261.74 | 220.97 | 230.40 | 24.55 | (1.83) | (132.66) |
Q4 2015 | 240.10 | 172.33 | 260.22 | 22.59 | (4.09) | (75.97) |
Q1 2016 | 234.59 | 154.29 | 229.81 | 22.08 | (10.90) | (39.12) |
Q2 2016 | 309.09 | 306.12 | 57.15 | 21.02 | (13.03) | (68.16) |
Q3 2016 | 275.32 | 323.22 | 131.85 | 18.63 | (15.62) | (100.27) |
Q4 2016 | 183.70 | 330.18 | 101.96 | 26.32 | (15.41) | (56.96) |
Q1 2017 | 262.95 | 282.64 | 97.03 | 27.53 | - | (45.19) |
Q2 2017 | 274.68 | 266.84 | 160.26 | 17.35 | - | (63.28) |
Q3 2017 | 415.47 | 269.68 | 33.74 | 18.20 | - | (35.44) |
Q4 2017 | 218.31 | 251.89 | 171.57 | 23.20 | - | 12.48 |
Q1 2018 | 256.17 | 286.34 | 172.58 | 26.04 | - | (54.81) |
Q2 2018 | 283.77 | 296.45 | 222.21 | 21.98 | - | (153.32) |
Period | Retail | Corporate and Institutional Banking | Global markets and Treasury | Brokerage and Asset Management | Joint Projects | Others |
---|---|---|---|---|---|---|
2008 | 501.58 | 663.36 | 523.99 | 249.15 | - | - |
2009 | 600.02 | 669.50 | 132.87 | 114.77 | - | - |
2010 | 698.99 | 656.04 | 295.49 | 98.75 | - | - |
2011 | 646.06 | 603.67 | 278.42 | 87.73 | - | - |
2012 | 687.71 | 620.59 | 324.44 | 88.87 | - | - |
2013 | 678.19 | 605.35 | 633.91 | 99.21 | - | - |
2014 | 922.89 | 827.74 | 648.82 | 131.73 | - | - |
2015 | 908.31 | 959.33 | 762.14 | 120.86 | (10.42) | (229.16) |
2016 | 1,002.71 | 1,113.80 | 520.77 | 88.05 | (54.95) | (264.51) |
2017 | 1,171.41 | 1,071.04 | 462.60 | 86.27 | - | (131.44) |
Item | Q2 2018 (e) | Q2 2018 (a) | Change |
---|---|---|---|
Average | 365.00 | 336.78 | (7.7 %) |
Item | Q2 2018 (e) | Q2 2018 (a) | Change |
---|---|---|---|
SNB Capital | 358.00 | 336.78 | (5.9) % |
OSOOL AND BAKHEET | 372.00 | 336.78 | (9.5) % |
Current | |
Market Cap (M Riyal) | 15,700.00 |
Shares Outstanding ((M)) | 1,250.00 |
EPS ( Riyal) (TTM) | 1.47 |
EPS Diluted ( Riyal) (TTM) | 1.34 |
Book Value (BV) ( Riyal) | 12.00 |
Par Value ( Riyal) | 10.00 |
Adjusted P/E (Last12) | 8.54 |
P/E (TTM) | 8.54 |
Price/book | 1.05 |
Return on Average Assets (%) (TTM) | 1.4 |
Return on Average Equity (%) (TTM) | 12.7 |
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