Financial Results : SAIB profit jumps 17% to SAR 1.76B in 2023; Q4 at SAR 447.3M

SAIB profit jumps 17% to SAR 1.76B in 2023; Q4 at SAR 447.3M

04/02/2024 Argaam Exclusive

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The Saudi Investment Bank (SAIB) reported a net profit of SAR 1.76 billion in 2023, a 17% rise from SAR 1.50 billion a year earlier. 



Financials (M)

Item 2022 2023 Change‬
Net Special Commission Income 2,844.88 3,417.22 20.1 %
Operating Income 3,277.89 3,966.58 21.0 %
Total Provisions (191.57) (358.66) (87.2 %)
Net Income 1,507.86 1,761.61 16.8 %
Average Shares 1,250.00 1,250.00 -
Earnings Per Share before unusual items (Riyals) 1.21 1.41 16.8 %
EPS (Riyals) 1.21 1.41 16.8 %
EPS Diluted (Riyals) 1.09 1.28 16.8 %

Total operating income grew by 21% year-on-year (YoY) as net special commission income rose due to an increase in net financing and investment commission income by 20% YoY. In addition, the bank noted higher fair value through profit and loss.

 

gains on disposals of FVOCI debt securities, exchange income, and fee income from banking services.

 

However, total operating expenses rose by 23% YoY on higher provisions for credit and other losses, as well as a rise in other general and administrative expenses, depreciation and amortization, rent and premises related expenses, and salaries and employee-related expenses.



Current Quarter Comparison (M)

Compared With The
Item Q4 2022 Q4 2023 Change‬
Net Special Commission Income 825.62 814.77 (1.3 %)
Operating Income 930.08 1,002.55 7.8 %
Debt Provisions (249.22) (110.32) 55.7 %
Net Income 350.22 447.27 27.7 %
Average Shares 1,250.00 1,250.00 -
Earnings Per Share before unusual items (Riyals) 0.28 0.36 27.7 %
EPS (Riyals) 0.28 0.36 27.7 %
EPS Diluted (Riyal) 0.21 0.30 41.8 %

Balance Sheet (B)

Item 2022 2023 Change‬
Assets 109.07 129.98 19.2 %
Customer Deposits 69.58 83.23 19.6 %
Loan 68.88 80.75 17.2 %

In Q4 2023, net profit was 28% higher at SAR 447.3 million, compared with SAR 350.2 million a year earlier.

 

Sequentially, SAIB’s Q3 net profit fell 3.1% from SAR 461.64 million.

 

Shareholders’ equity, no minority interest and after excluding sukuk, increased to SAR 14.52 billion as of Dec. 31, 2023, from SAR 13.57 billion in the year-earlier period.

 

View more financial results

 


Financial results (Million)

Period Net Special Commission Income Change Operating Income Change Debt Provisions Change
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 %)
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 %
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 %)
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 %
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 %
Q3 2018 596.51 17.2 % 700.59 (0.1 %) (90.43) (43.5 %)
Q4 2018 553.66 (5.1 %) 654.73 (3.4 %) (3.79) 87.8 %
Q1 2019 581.08 3.0 % 702.19 2.3 % (77.22) 12.8 %
Q2 2019 560.00 (2.3 %) 663.10 (1.2 %) (751.00) (1,069.6 %)
Q3 2019 566.13 (5.1 %) 739.35 5.5 % (66.15) 26.9 %
Q4 2019 570.69 3.1 % 713.59 9.0 % (448.28) (11,724.7 %)
Q1 2020 582.71 0.3 % 717.72 2.2 % (224.98) (191.3 %)
Q2 2020 609.21 8.8 % 713.29 7.6 % (98.70) 86.9 %
Q3 2020 575.46 1.6 % 724.92 (2.0 %) (57.30) 13.4 %
Q4 2020 554.27 (2.9 %) 690.20 (3.3 %) (68.45) 84.7 %
Q1 2021 542.96 (6.8 %) 635.08 (11.5 %) (64.84) 71.2 %
Q2 2021 584.55 (4.0 %) 716.68 0.5 % (109.73) (11.2 %)
Q3 2021 595.05 3.4 % 680.24 (6.2 %) (51.03) 10.9 %
Q4 2021 627.98 13.3 % 723.70 4.9 % (45.46) 33.6 %
Q1 2022 589.16 8.5 % 717.14 12.9 % (37.76) 41.8 %
Q2 2022 672.21 15.0 % 772.46 7.8 % (53.61) 51.1 %
Q3 2022 757.88 27.4 % 858.21 26.2 % 149.02 392.0 %
Q4 2022 825.62 31.5 % 930.08 28.5 % (249.22) (448.2 %)
Q1 2023 845.01 43.4 % 962.93 34.3 % (81.35) (115.4 %)
Q2 2023 867.69 29.1 % 993.48 28.6 % (79.56) (48.4 %)
Q3 2023 889.74 17.4 % 1,007.62 17.4 % (87.43) (158.7 %)
Q4 2023 814.77 (1.3 %) 1,002.55 7.8 % (110.32) 55.7 %
2023 3,417.22 20.1 % 3,966.58 21.0 % (358.66) (87.2 %)


Profit Performance (Million)

Period Net Income Change EPS(Riyal) Extraordinary Income/Expense Net Profit Before Unusual Items Earnings Per Share before unusual items
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
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
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
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
Q1 2018 346.01 0.3 % 0.28 - 346.01 0.28
Q2 2018 336.78 (5.3 %) 0.27 - 336.78 0.27
Q3 2018 345.73 (3.5 %) 0.28 - 345.73 0.28
Q4 2018 (452.62) (228.6 %) (0.36) (750.51) 297.89 0.24
Q1 2019 281.45 (18.7 %) 0.23 - 281.45 0.23
Q2 2019 (284.74) (184.5 %) (0.23) - (284.74) (0.23)
Q3 2019 311.93 (9.8 %) 0.25 - 311.93 0.25
Q4 2019 (69.18) 84.7 % (0.06) - (69.18) (0.06)
Q1 2020 150.71 (46.5 %) 0.12 - 150.71 0.12
Q2 2020 262.26 192.1 % 0.21 - 262.26 0.21
Q3 2020 301.37 (3.4 %) 0.24 19.40 281.97 0.23
Q4 2020 265.21 483.4 % 0.21 - 265.21 0.21
Q1 2021 213.50 41.7 % 0.17 - 213.50 0.17
Q2 2021 287.77 9.7 % 0.23 - 287.77 0.23
Q3 2021 274.35 (9.0 %) 0.22 - 274.35 0.22
Q4 2021 286.05 7.9 % 0.23 - 286.05 0.23
Q1 2022 287.02 34.4 % 0.23 - 287.02 0.23
Q2 2022 320.65 11.4 % 0.26 - 320.65 0.26
Q3 2022 549.97 100.5 % 0.44 - 549.97 0.44
Q4 2022 350.22 22.4 % 0.28 - 350.22 0.28
Q1 2023 408.91 42.5 % 0.33 - 408.91 0.33
Q2 2023 443.79 38.4 % 0.36 - 443.79 0.36
Q3 2023 461.64 (16.1 %) 0.37 - 461.64 0.37
Q4 2023 447.27 27.7 % 0.36 - 447.27 0.36
2023 1,761.61 16.8 % 1.41 - 1,761.61 1.41

Profitability

Period Return On Average Assets Return on Average Equity Net Interest Income/Total Operating Income
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 %
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 %
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 %
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 %
Q1 2018 1.51 % 10.82 % 78.76 %
Q2 2018 1.40 % 10.81 % 81.50 %
Q3 2018 1.42 % 10.75 % 84.73 %
Q4 2018 0.61 % 4.59 % 84.33 %
Q1 2019 0.55 % 4.08 % 84.46 %
Q2 2019 (0.11 %) (0.91 %) 84.22 %
Q3 2019 (0.15 %) (1.18 %) 81.93 %
Q4 2019 0.24 % 2.03 % 80.83 %
Q1 2020 0.11 % 0.96 % 80.44 %
Q2 2020 0.65 % 5.52 % 80.75 %
Q3 2020 0.66 % 5.21 % 81.48 %
Q4 2020 0.98 % 7.73 % 81.57 %
Q1 2021 1.06 % 8.73 % 82.57 %
Q2 2021 1.05 % 8.29 % 81.58 %
Q3 2021 1.05 % 7.57 % 83.64 %
Q4 2021 1.05 % 7.55 % 85.30 %
Q1 2022 1.10 % 8.29 % 84.46 %
Q2 2022 1.12 % 8.64 % 85.86 %
Q3 2022 1.40 % 10.32 % 86.19 %
Q4 2022 1.43 % 10.63 % 86.79 %
Q1 2023 1.41 % 11.61 % 88.00 %
Q2 2023 1.50 % 12.75 % 88.02 %
Q3 2023 1.41 % 12.28 % 88.03 %
Q4 2023 1.47 % 12.54 % 86.15 %
2023 1.47 % 12.54 % 86.15 %

Balance Sheet (B)

Period Assets Change Customer Deposits Change Loan Change
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 %)
Q3 2018 95.45 (2.9 %) 64.02 (9.9 %) 59.54 (2.5 %)
Q4 2018 96.07 2.4 % 63.69 (4.9 %) 59.41 (0.3 %)
Q1 2019 94.83 3.6 % 63.82 4.6 % 58.18 0.5 %
Q2 2019 97.96 (3.9 %) 66.84 (6.3 %) 56.93 (4.1 %)
Q3 2019 96.30 0.9 % 64.96 1.5 % 57.63 (3.2 %)
Q4 2019 100.81 4.9 % 69.06 8.4 % 57.11 (3.9 %)
Q1 2020 100.80 6.3 % 67.64 6.0 % 59.88 2.9 %
Q2 2020 104.62 6.8 % 64.24 (3.9 %) 58.60 2.9 %
Q3 2020 98.34 2.1 % 59.84 (7.9 %) 57.72 0.2 %
Q4 2020 99.88 (0.9 %) 60.14 (12.9 %) 55.07 (3.6 %)
Q1 2021 96.27 (4.5 %) 56.12 (17.0 %) 55.42 (7.4 %)
Q2 2021 98.41 (5.9 %) 59.81 (6.9 %) 56.30 (3.9 %)
Q3 2021 99.64 1.3 % 60.89 1.8 % 58.29 1.0 %
Q4 2021 101.62 1.7 % 61.48 2.2 % 57.80 4.9 %
Q1 2022 109.26 13.5 % 68.35 21.8 % 59.94 8.1 %
Q2 2022 110.80 12.6 % 67.46 12.8 % 62.26 10.6 %
Q3 2022 106.54 6.9 % 67.60 11.0 % 64.67 10.9 %
Q4 2022 109.07 7.3 % 69.58 13.2 % 68.88 19.2 %
Q1 2023 121.90 11.6 % 79.22 15.9 % 73.63 22.8 %
Q2 2023 123.59 11.5 % 82.66 22.5 % 77.30 24.2 %
Q3 2023 129.83 21.9 % 85.45 26.4 % 80.20 24.0 %
Q4 2023 129.98 19.2 % 83.23 19.6 % 80.75 17.2 %

Ratios

Period Customer Deposits Per Total Assets Loans and advances/Total assets Loans and advances/Customers Deposits
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 %
Q3 2018 67.07 % 62.38 % 93.01 %
Q4 2018 66.30 % 61.84 % 93.28 %
Q1 2019 67.30 % 61.35 % 91.15 %
Q2 2019 68.23 % 58.11 % 85.16 %
Q3 2019 67.46 % 59.84 % 88.71 %
Q4 2019 68.50 % 56.65 % 82.70 %
Q1 2020 67.10 % 59.40 % 88.52 %
Q2 2020 61.41 % 56.02 % 91.22 %
Q3 2020 60.85 % 58.70 % 96.46 %
Q4 2020 60.21 % 55.14 % 91.57 %
Q1 2021 58.30 % 57.57 % 98.75 %
Q2 2021 60.78 % 57.21 % 94.12 %
Q3 2021 61.11 % 58.50 % 95.73 %
Q4 2021 60.51 % 56.88 % 94.00 %
Q1 2022 62.56 % 54.86 % 87.69 %
Q2 2022 60.88 % 56.19 % 92.30 %
Q3 2022 63.46 % 60.70 % 95.65 %
Q4 2022 63.79 % 63.15 % 99.00 %
Q1 2023 64.98 % 60.40 % 92.95 %
Q2 2023 66.88 % 62.55 % 93.52 %
Q3 2023 65.82 % 61.78 % 93.85 %
Q4 2023 64.03 % 62.12 % 97.02 %


Per Share Data (Riyal)

Compared With The
Period Shares Outstanding (M) EPS (Riyal) Earnings Per Share before unusual items (Riyal) EPS Diluted (Riyal) Book Value (BV)
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
Q3 2018 1,250.00 1.10 1.10 - 10.00
Q4 2018 1,250.00 0.46 1.06 - 9.30
Q1 2019 1,250.00 0.41 1.01 - 9.68
Q2 2019 1,250.00 (0.09) 0.51 - 9.20
Q3 2019 1,250.00 (0.12) 0.49 - 9.57
Q4 2019 1,250.00 0.19 0.19 - 9.61
Q1 2020 1,250.00 0.09 0.09 - 8.39
Q2 2020 1,250.00 0.52 0.52 - 9.79
Q3 2020 1,250.00 0.52 0.50 - 10.25
Q4 2020 1,250.00 0.78 0.77 - 10.66
Q1 2021 1,250.00 0.83 0.82 - 10.71
Q2 2021 1,250.00 0.85 0.84 - 10.81
Q3 2021 1,250.00 0.83 0.83 - 11.75
Q4 2021 1,250.00 0.85 0.85 - 11.84
Q1 2022 1,250.00 0.91 0.91 - 11.21
Q2 2022 1,250.00 0.93 0.93 - 10.81
Q3 2022 1,250.00 1.15 1.15 - 10.63
Q4 2022 1,250.00 1.21 1.21 1.09 10.86
Q1 2023 1,250.00 1.30 1.30 1.19 11.25
Q2 2023 1,250.00 1.40 1.40 1.26 11.18
Q3 2023 1,250.00 1.33 1.33 1.19 11.06
Q4 2023 1,250.00 1.41 1.41 1.28 11.62

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Adjusted P/E Price/book
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
Q3 2018 10.05 10.05 1.11
Q4 2018 22.31 9.69 1.11
Q1 2019 27.50 11.14 1.16
Q2 2019 NEG 22.45 1.25
Q3 2019 NEG 19.50 0.99
Q4 2019 More than 100 More than 100 1.13
Q1 2020 More than 100 More than 100 0.89
Q2 2020 14.92 14.92 0.80
Q3 2020 18.38 18.95 0.93
Q4 2020 12.26 12.50 0.90
Q1 2021 11.92 12.15 0.93
Q2 2021 11.92 12.14 0.94
Q3 2021 12.23 12.23 0.87
Q4 2021 13.83 13.83 0.99
Q1 2022 16.00 16.00 1.30
Q2 2022 16.69 16.69 1.44
Q3 2022 11.83 11.83 1.28
Q4 2022 12.70 12.70 1.28
Q1 2023 11.16 11.16 1.18
Q2 2023 10.87 10.87 1.22
Q3 2023 10.66 10.66 1.14
Q4 2023 10.01 10.01 1.10

Business Segments (Million)

Compared With The
Period Retail Corporate and Institutional Banking Global markets and Treasury Brokerage and Asset Management Joint Projects Others
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)
Q3 2018 293.95 217.68 125.53 17.18 - 46.25
Q4 2018 423.85 323.97 (92.49) 17.57 - (18.16)
Q1 2019 202.88 328.29 201.57 17.64 - (48.19)
Q2 2019 187.95 318.05 171.84 21.55 - (36.28)
Q3 2019 196.85 355.42 209.49 38.99 - (61.39)
Q4 2019 175.63 360.63 143.54 27.14 - 6.65
Q1 2020 208.37 325.20 223.11 29.03 - (67.98)
Q2 2020 310.69 260.25 153.19 33.87 - (44.70)
Q3 2020 220.83 279.23 322.63 45.89 - (143.66)
Q4 2020 192.40 241.06 223.07 56.03 - (22.35)
Q1 2021 197.33 197.37 247.38 64.57 - (71.57)
Q2 2021 205.80 227.19 222.04 57.76 - 7.89
Q3 2021 182.21 188.47 307.63 44.14 - (48.87)
Q4 2021 261.68 225.04 236.95 44.51 - (44.48)
Q1 2022 229.86 246.32 219.57 62.37 - (40.97)
Q2 2022 299.57 273.20 214.89 44.26 - (59.46)
Q3 2022 307.33 355.81 207.65 42.22 - (54.80)
Q4 2022 411.95 397.65 146.68 37.68 - (63.88)
Q1 2023 292.11 340.70 345.77 50.65 - (66.29)
Q2 2023 530.26 352.95 109.07 56.44 - (55.24)
Q3 2023 300.43 373.70 335.65 52.08 - (54.24)
Q4 2023 444.53 395.61 170.33 43.74 - (51.66)

Analysts Estimates (Million)

Item Q4 2023 (e) Q4 2023 (a) Change‬
Average 473.34 447.27 (5.5 %)

Estimates vs Actual (Million)

Item Q4 2023 (e) Q4 2023 (a) Change
Hermes 440.00 447.27 1.7 %
OSOOL AND BAKHEET 506.67 447.27 (11.7) %


Financial Ratios
Current
Market Cap (M Riyal) 17,700.00
Shares Outstanding ((M)) 1,250.00
EPS ( Riyal) (TTM) 1.57
EPS Diluted ( Riyal) (TTM) 1.43
Book Value (BV) ( Riyal) 12.33
Par Value ( Riyal) 10.00
Adjusted P/E (Last12) 9.05
P/E (TTM) 9.05
Price/book 1.15
Return on Average Assets (%) (TTM) 1.4
Return on Average Equity (%) (TTM) 13.1
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Share Price

Saudi Investment Bank
14.46
0.30 2.12 %

Saudi Investment Bank (SAIB)

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