Investor Presentaiton
OUR FINANCIAL RESULTS | PROFITABILITY DETAILS
NIM growth driven by rate expansion and improvement in cost
to income ratio driven by reduction in costs
Net Interest Income (SARmn)
Net Income after zakat & tax (SARmn)
5,017
4,700
4,256
3,237
3,233
11.78%
10.55%
Net Interest / Credit Risk
3.00%
3.03%
O
a
Return on Equity
2.74%
2.83%
10.90%
2.44%
10.21%
1,903
1,891
1,720
2.26%
2.42%
2.71%
2,508
2,570
6.18%
Net Interest Margin
1.59%
1.68%
2.00%
1.84%
1.00%
1.00%
Return on Asset
2.61%
2.83%
2016
2017
2018
H1'18
H1'19
2016
2017
2018
H1'18
H1'19
Revenue & Operating Expenses (SARmn)
6,400
6,576
6,799
Revenue
Operating Expenses
3,409
3,429
2,149
2,387
2,291
2016
|BSF Investor Relations
1,178
1,045
2017
2018
H1'18 H1'19
Cost-to-income Ratio (%)
36.3%
33.6%
33.7%
34.6%
30.5%
2016
2017
2018
H1'18
H1'19
| 18View entire presentation