Investor Presentaiton
OUR FINANCIAL RESULTS | PROFITABILITY DETAILS
NIM growth supported by Improved margins
Net Interest Income (SARmn)
Net Income after zakat & tax (SARmn)
5,017
4,700
4,256
3,237
3,233
3,914
2,835
2,600
3,770
Net Interest / Credit Risk
O
a
Return on Equity
10.90%
10.21%
1,903
11.86%
10.63%
6.18%
3.15%
3.00%
2.87%
2.44%
2.44%
2.74%
Net Interest Margin
2.26%
2.42%
2.71%
2.69%
2.87%
2016
2017
2018
9M'18
9M'19
Revenue & Operating Expenses (SARmn)
6,400
6,576
6,799
Revenue
5,106
5,167
Operating Expenses
2,149
2,387
2,291
1,745
1,601
2016
|BSF Investor Relations
2017
2018
9M'18 9M'19
Return on Asset
1.59%
2016
1.68%
2017
1.00%
2018
2.00%
9M'18
1.86%
9M'19
Cost-to-income Ratio (%)
36.3%
33.6%
33.7%
34.2%
31.0%
2016
2017
2018
9M'18
9M'19
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