FY20/21 Investor Presentation
Retail Banking | Strong growth supported operating income growth YoY
Total Operating Income (SARmn)
-2.1%
Retail
SAR (mn)
YOY
FY 21
FY 20
%
Net financing and investment
income
11,353
11,335
+0.2%
3,537
3,695
Fees and other income
2,654
2,122
+25.1%
3,509
3,342
3,461
Total operating income
14,007
13,457
+4.1%
Operating expenses
(6,032)
(6,053)
-0.4%
Total impairment charge
(1,785)
(1,152)
+55.0%
Net income for the period
6,189
6,251
-1.0%
Total assets
418,027
4Q 20
1Q 21
2Q 21
3Q 21
4Q 21
Total liabilities
319,611
268,109
289,584
+55.9%
+10.4%
Net Income Before Zakat (SARmn)
+5.4%
1,603
1,692
1,689
1,451
1,358
Net Income Before Zakat Growth Drivers By Type (SARmn)
532
6,251
18
-1.0%
6,189
21
(633)
4Q 20
1Q 21
2Q 21
3Q 21
4Q 21
FY 20
Yield
Non-Yield
Expenses Impairments
FY 21
FY20 21 Investor Presentation
44
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