Banque Saudi Fransi’s net profit drops 6% in FY18

03/02/2019 Argaam Exclusive

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Share Price

Banque Saudi Fransi
36.25
(0.50) (1.36 %)

Banque Saudi Fransi (BSFR)

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Banque Saudi Fransi reported a net profit of SAR 3.31 billion for fiscal year 2018, a 6.4 percent year-on-year (YoY) drop due to a 14.5 percent increase in total operating expenses, mainly on higher loan loss provisions.



Financials (M)

Item 2017 2018 Change‬
Net Special Commission Income 4,699.67 5,016.87 6.7 %
Operating Income 6,576.21 6,701.33 1.9 %
Total Provisions (497.96) (910.50) (82.8 %)
Net Income 3,531.88 1,403.02 (60.3 %)
Average Shares 1,205.36 1,205.36 -
EPS (Riyals) 2.93 1.16 (60.3 %)
EPS Diluted (Riyals) 2.94 1.17 (60.2 %)


Current Quarter Comparison (M)

Compared With The
Item Q4 2017 Q4 2018 Change‬
Net Special Commission Income 1,213.64 1,247.18 2.8 %
Operating Income 1,619.68 1,692.64 4.5 %
Debt Provisions (517.82) (566.73) (9.4 %)
Net Income 422.77 (1431.68) (438.6 %)
Average Shares 1,205.36 1,205.36 -
EPS (Riyals) 0.35 (1.19) (438.6 %)
EPS Diluted (Riyal) 0.35 0.93 165.7 %

Balance Sheet (B)

Item 2017 2018 Change‬
Assets 192.93 190.25 (1.4 %)
Customer Deposits 150.95 148.37 (1.7 %)
Loan 121.94 120.63 (1.1 %)


Financial results (Million)

Period Net Special Commission Income Change Operating Income Change Debt Provisions Change Net Income Change EPS(Riyal)
Q1 2009 767.49 9.2 % 1,078.23 4.3 % (46.13) (120.8 %) 740.75 1.1 % 0.61
Q2 2009 757.15 23.0 % 1,096.33 1.9 % (119.85) (1,120.3 %) 691.76 (10.6 %) 0.57
Q3 2009 757.65 10.7 % 1,057.16 (7.0 %) (57.57) (476.6 %) 714.32 (1.8 %) 0.59
Q4 2009 768.00 (6.1 %) 1,063.19 (7.2 %) (351.07) (345.3 %) 323.78 (43.3 %) 0.27
Q1 2010 723.08 (5.8 %) 1,072.06 (0.6 %) (53.89) (16.8 %) 713.64 (3.7 %) 0.59
Q2 2010 776.31 2.5 % 1,154.60 5.3 % (83.97) 29.9 % 756.90 9.4 % 0.63
Q3 2010 777.63 2.6 % 1,084.45 2.6 % (154.95) (169.2 %) 621.50 (13.0 %) 0.52
Q4 2010 788.84 2.7 % 1,084.12 2.0 % (46.53) 86.7 % 708.96 119.0 % 0.59
Q1 2011 757.46 4.8 % 1,150.27 7.3 % (22.22) 58.8 % 716.75 0.4 % 0.59
Q2 2011 788.65 1.6 % 1,162.67 0.7 % (23.46) 72.1 % 773.43 2.2 % 0.64
Q3 2011 808.30 3.9 % 1,164.10 7.3 % (56.48) 63.5 % 759.83 22.3 % 0.63
Q4 2011 782.65 (0.8 %) 1,107.74 2.2 % (55.75) (19.8 %) 660.93 (6.8 %) 0.55
Q1 2012 801.81 5.9 % 1,220.21 6.1 % (61.27) (175.7 %) 788.90 10.1 % 0.65
Q2 2012 843.93 7.0 % 1,282.80 10.3 % (141.65) (503.9 %) 757.21 (2.1 %) 0.63
Q3 2012 825.99 2.2 % 1,220.25 4.8 % (174.37) (208.7 %) 661.53 (12.9 %) 0.55
Q4 2012 834.04 6.6 % 1,286.30 16.1 % (77.89) (39.7 %) 807.50 22.2 % 0.67
Q1 2013 799.24 (0.3 %) 1,205.05 (1.2 %) (127.84) (108.7 %) 683.86 (13.3 %) 0.57
Q2 2013 830.50 (1.6 %) 1,282.64 0.0 % (107.59) 24.0 % 762.64 0.7 % 0.63
Q3 2013 869.60 5.3 % 1,284.06 5.2 % (169.01) 3.1 % 685.44 3.6 % 0.57
Q4 2013 863.96 3.6 % 1,280.78 (0.4 %) (552.98) (609.9 %) 273.65 (66.1 %) 0.23
Q1 2014 896.55 12.2 % 1,401.17 16.3 % (108.57) 15.1 % 855.78 25.1 % 0.71
Q2 2014 969.86 16.8 % 1,478.33 15.3 % (105.37) 2.1 % 884.24 15.9 % 0.73
Q3 2014 980.13 12.7 % 1,486.66 15.8 % (72.55) 57.1 % 925.61 35.0 % 0.77
Q4 2014 970.45 12.3 % 1,419.88 10.9 % (34.44) 93.8 % 850.71 210.9 % 0.71
Q1 2015 962.89 7.4 % 1,590.11 13.5 % (37.20) 65.7 % 1,050.38 22.7 % 0.87
Q2 2015 1,016.15 4.8 % 1,578.73 6.8 % (42.97) 59.2 % 1,015.83 14.9 % 0.84
Q3 2015 1,044.11 6.5 % 1,588.27 6.8 % (50.23) 30.8 % 1,020.25 10.2 % 0.85
Q4 2015 1,032.13 6.4 % 1,534.38 8.1 % (50.51) (46.7 %) 949.98 11.7 % 0.79
Q1 2016 1,062.82 10.4 % 1,644.92 3.4 % (41.74) (12.2 %) 1,077.80 2.6 % 0.89
Q2 2016 1,068.80 5.2 % 1,612.88 2.2 % (36.58) 14.9 % 1,048.19 3.2 % 0.87
Q3 2016 1,107.55 6.1 % 1,587.64 0.0 % (54.53) (8.6 %) 1,010.24 (1.0 %) 0.84
Q4 2016 1,017.03 (1.5 %) 1,554.28 1.3 % (635.53) (1,158.2 %) 374.01 (60.6 %) 0.31
Q1 2017 1,111.53 4.6 % 1,696.56 3.1 % (29.04) 30.4 % 1,103.89 2.4 % 0.92
Q2 2017 1,167.37 9.2 % 1,630.39 1.1 % (58.57) (60.1 %) 1,004.69 (4.1 %) 0.83
Q3 2017 1,207.13 9.0 % 1,629.57 2.6 % (55.68) (2.1 %) 1,000.54 (1.0 %) 0.83
Q4 2017 1,213.64 19.3 % 1,619.68 4.2 % (517.82) 18.5 % 422.77 13.0 % 0.35
Q1 2018 1,256.00 13.0 % 1,647.17 (2.9 %) (89.74) (209.0 %) 1,049.95 (4.9 %) 0.87
Q2 2018 1,252.35 7.3 % 1,665.13 2.1 % (126.18) (115.4 %) 841.31 (16.3 %) 0.70
Q3 2018 1,261.35 4.5 % 1,696.39 4.1 % (127.84) (129.6 %) 943.44 (5.7 %) 0.78
Q4 2018 1,247.18 2.8 % 1,692.64 4.5 % (566.73) (9.4 %) (1431.68) (438.6 %) (1.19)
2018 5,016.87 6.7 % 6,701.33 1.9 % (910.50) (82.8 %) 1,403.02 (60.3 %) 1.16

Profitability

Period Return On Average Assets Return on Average Equity Net Interest Income/Total Operating Income
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 %
Q1 2014 1.48 % 10.85 % 65.93 %
Q2 2014 1.54 % 11.20 % 66.12 %
Q3 2014 1.67 % 12.12 % 65.71 %
Q4 2014 1.96 % 14.15 % 65.97 %
Q1 2015 1.96 % 14.22 % 64.99 %
Q2 2015 2.08 % 14.45 % 64.68 %
Q3 2015 2.14 % 14.69 % 64.65 %
Q4 2015 2.17 % 14.96 % 64.46 %
Q1 2016 2.15 % 14.23 % 65.47 %
Q2 2016 2.16 % 14.48 % 65.95 %
Q3 2016 2.15 % 14.38 % 66.95 %
Q4 2016 1.81 % 12.28 % 66.51 %
Q1 2017 1.82 % 11.82 % 66.73 %
Q2 2017 1.75 % 11.59 % 68.07 %
Q3 2017 1.75 % 11.61 % 69.16 %
Q4 2017 1.78 % 11.51 % 71.46 %
Q1 2018 1.79 % 11.14 % 74.22 %
Q2 2018 1.68 % 10.39 % 75.12 %
Q3 2018 1.67 % 10.27 % 75.18 %
Q4 2018 0.73 % 4.49 % 74.86 %
2018 0.73 % 4.49 % 74.86 %

Balance Sheet (B)

Period Assets Change Customer Deposits Change Loan Change
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 %
Q1 2014 184.28 12.4 % 137.91 15.6 % 114.84 8.5 %
Q2 2014 184.31 11.2 % 134.41 7.9 % 117.39 6.5 %
Q3 2014 183.24 9.0 % 131.94 5.6 % 118.22 5.0 %
Q4 2014 188.78 11.0 % 145.28 10.4 % 116.54 4.7 %
Q1 2015 193.88 5.2 % 150.21 8.9 % 120.79 5.2 %
Q2 2015 185.95 0.9 % 142.63 6.1 % 125.04 6.5 %
Q3 2015 184.99 1.0 % 143.95 9.1 % 124.41 5.2 %
Q4 2015 183.72 (2.7 %) 141.85 (2.4 %) 123.77 6.2 %
Q1 2016 184.02 (5.1 %) 141.82 (5.6 %) 124.98 3.5 %
Q2 2016 193.91 4.3 % 138.81 (2.7 %) 129.64 3.7 %
Q3 2016 195.74 5.8 % 147.28 2.3 % 133.94 7.7 %
Q4 2016 203.43 10.7 % 158.46 11.7 % 129.46 4.6 %
Q1 2017 204.36 11.1 % 158.47 11.7 % 129.09 3.3 %
Q2 2017 205.34 5.9 % 163.90 18.1 % 129.38 (0.2 %)
Q3 2017 201.70 3.0 % 155.47 5.6 % 128.95 (3.7 %)
Q4 2017 192.93 (5.2 %) 150.95 (4.7 %) 121.94 (5.8 %)
Q1 2018 184.02 (10.0 %) 141.94 (10.4 %) 123.88 (4.0 %)
Q2 2018 188.96 (8.0 %) 146.70 (10.5 %) 122.81 (5.1 %)
Q3 2018 189.34 (6.1 %) 146.69 (5.6 %) 123.70 (4.1 %)
Q4 2018 190.25 (1.4 %) 148.37 (1.7 %) 120.63 (1.1 %)

Ratios

Period Customer Deposits Per Total Assets Loans and advances/Total assets Loans and advances/Customers Deposits
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 %
Q1 2014 74.84 % 62.32 % 83.27 %
Q2 2014 72.92 % 63.69 % 87.34 %
Q3 2014 72.00 % 64.52 % 89.60 %
Q4 2014 76.96 % 61.73 % 80.22 %
Q1 2015 77.47 % 62.30 % 80.42 %
Q2 2015 76.70 % 67.24 % 87.67 %
Q3 2015 77.82 % 67.25 % 86.43 %
Q4 2015 77.21 % 67.37 % 87.25 %
Q1 2016 77.07 % 67.92 % 88.12 %
Q2 2016 71.58 % 66.85 % 93.39 %
Q3 2016 75.24 % 68.43 % 90.94 %
Q4 2016 77.89 % 63.64 % 81.70 %
Q1 2017 77.54 % 63.17 % 81.46 %
Q2 2017 79.82 % 63.01 % 78.94 %
Q3 2017 77.08 % 63.93 % 82.94 %
Q4 2017 78.24 % 63.20 % 80.78 %
Q1 2018 77.14 % 67.32 % 87.28 %
Q2 2018 77.64 % 64.99 % 83.71 %
Q3 2018 77.48 % 65.33 % 84.33 %
Q4 2018 77.99 % 63.41 % 81.31 %


Per Share Data (Riyal)

Compared With The
Period Shares Outstanding (M) EPS (Riyal) Adjusted EPS (Riyal) EPS Diluted (Riyal) Book Value (BV)
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
Q1 2014 1,205.36 2.14 2.14 - 20.03
Q2 2014 1,205.36 2.24 2.24 - 20.92
Q3 2014 1,205.36 2.44 2.44 - 20.94
Q4 2014 1,205.36 2.92 2.92 2.92 21.96
Q1 2015 1,205.36 3.08 3.08 3.08 23.28
Q2 2015 1,205.36 3.19 3.19 3.19 23.19
Q3 2015 1,205.36 3.27 3.27 3.27 23.53
Q4 2015 1,205.36 3.35 3.35 3.35 22.80
Q1 2016 1,205.36 3.37 3.37 3.37 24.10
Q2 2016 1,205.36 3.40 3.40 3.40 23.76
Q3 2016 1,205.36 3.39 3.39 3.39 23.61
Q4 2016 1,205.36 2.91 2.91 2.91 24.64
Q1 2017 1,205.36 2.93 2.93 2.94 25.53
Q2 2017 1,205.36 2.90 2.90 2.91 26.24
Q3 2017 1,205.36 2.89 2.89 2.90 26.18
Q4 2017 1,205.36 2.93 2.93 2.94 26.27
Q1 2018 1,205.36 2.89 2.80 2.95 26.29
Q2 2018 1,205.36 2.75 2.67 2.81 26.67
Q3 2018 1,205.36 2.70 2.62 2.77 26.45
Q4 2018 1,205.36 1.16 2.34 3.35 25.60

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Adjusted P/E Price/book
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
Q1 2014 14.21 14.21 1.52
Q2 2014 13.62 13.62 1.46
Q3 2014 15.70 15.70 1.83
Q4 2014 10.73 10.73 1.43
Q1 2015 10.84 10.84 1.44
Q2 2015 10.08 10.08 1.39
Q3 2015 9.17 9.17 1.27
Q4 2015 8.36 8.36 1.23
Q1 2016 7.50 7.50 1.05
Q2 2016 6.60 6.60 0.94
Q3 2016 6.21 6.21 0.89
Q4 2016 8.94 8.94 1.06
Q1 2017 8.81 8.81 1.01
Q2 2017 10.63 10.63 1.18
Q3 2017 10.42 10.42 1.15
Q4 2017 9.73 9.73 1.09
Q1 2018 9.95 10.24 1.12
Q2 2018 12.06 12.43 1.27
Q3 2018 12.04 12.41 1.26
Q4 2018 9.37 4.67 1.23

Business Segments (Million)

Compared With The
Period Retail Corporate and Institutional Banking Global markets and Treasury Investment Banking and Brokerage
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
Q1 2014 359.17 641.86 317.26 82.88
Q2 2014 363.90 677.81 323.07 113.54
Q3 2014 358.79 710.77 327.64 89.46
Q4 2014 337.63 710.37 295.37 76.51
Q1 2015 356.05 751.84 394.64 87.58
Q2 2015 384.66 783.42 310.86 99.80
Q3 2015 387.40 789.72 337.51 73.65
Q4 2015 378.07 733.50 362.98 59.83
Q1 2016 388.71 788.11 404.21 63.89
Q2 2016 376.51 778.41 372.61 85.35
Q3 2016 369.75 787.13 373.80 56.95
Q4 2016 356.09 749.20 380.12 68.87
Q1 2017 381.68 808.87 443.31 62.71
Q2 2017 393.76 744.34 431.18 61.12
Q3 2017 403.67 719.52 440.01 66.36
Q4 2017 373.70 727.85 444.55 73.59
Q1 2018 407.50 758.45 519.07 59.45
Q2 2018 407.35 751.38 424.40 82.01
Q3 2018 462.47 780.06 392.81 61.04
Q4 2018 473.69 802.76 340.72 75.47

Analysts Estimates (Million)

Item Q4 2018 (e) Q4 2018 (a) Change‬
Average 809.50 (1431.68) (276.9 %)

Estimates vs Actual (Million)

Item Q4 2018 (e) Q4 2018 (a) Change
OSOOL AND BAKHEET 850.00 (1431.68) (268.4) %
SNB Capital 818.00 (1431.68) (275.0) %
Sico 803.00 (1431.68) (278.3) %
Riyad Capital 767.00 (1431.68) (286.7) %


Financial Ratios
Current
Market Cap (M Riyal) 43,695.75
Shares Outstanding ((M)) 1,205.40
EPS ( Riyal) (TTM) 3.56
EPS Diluted ( Riyal) (TTM) 3.39
Book Value (BV) ( Riyal) 30.64
Par Value ( Riyal) 10.00
Adjusted P/E (Last12) 10.17
P/E (TTM) 10.17
Price/book 1.18
Return on Average Assets (%) (TTM) 1.7
Return on Average Equity (%) (TTM) 12.0
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