Investor Presentation
Balance Sheet Summary
Profile / Strategy / Sustainability / Environment / Financials / Appendix
Total assets increased by 5% YTD driven by the expansion of the loan portfolio,
funded by customer deposits
Total assets amounted to SAR 377 bn as of 30 September 2023, up 5% YTD on the back of the 10%
loans and advances growth, funded by the 6% growth of customer deposits.
On a quarterly basis total assets decreased by 3% due to a reduction in cash, SAMA and interbank
balances partially offset by loan growth.
Total Assets Movement YTD (SARbn)
+5%
24.8
2.3
377.0
5.7
359.7
SAR (mn)
3Q-2023
2Q-2023
QoQ %
Change
3Q-2022
YoY %
Change
(6.8)
(8.6)
Cash & balances with SAMA, net
26,609
37,221
-29%
Due from banks, net
12,004
22,092
-46%
Investments, net
Loans & advances, net
Other assets. net
Total assets
57,882
56,388
Interbank
Deposits
267,151
13,365
377,012
34,048
254,719
263,150
+3%
+2%
23,782
20,202
53,246
241,586
+12%
-41%
+9%
+11%
-20%
4Q-22
-42%
Cash &
Due from
balances with banks, net
SAMA, net
+11%
Investments,
net
+10%
Loans &
advances, net
+20%
Other assets,
3Q-23
net
10,385
389,236
+29%
9,065
+47%
-3%
347,881
34,129
272,269
-0%
-6%
38,347
235,892
Debt securities
13,201
8,768
+51%
8,672
+8%
-11%
+8%
+52%
Total Liabilities Movement YTD (SARbn)
+5%
Other liabilities, net
17,599
16,378
+7%
15,375
+14%
Total liabilities
319,567
331,545
-4%
298,286
+7%
14.7
1.6
319.6
4.4
303.5
Share capital
30,000
30,000
+0%
30,000
Reserves
9,498
9,781
-3%
7,479
+0%
+27%
(4.7)
Retained earnings
11,384
11,347
+0%
9,297
+22%
Equity attributable to shareholders
50,881
51,128
-0%
46,776
Tier 1 sukuk
6,563
6,563
-0%
2,819
Total equity
57,444
57,691
-0%
49,595
+9%
+133%
+16%
4Q-22
-12%
Interbank
+6%
Deposits
+51%
Debt securities Other liabilities,
net
+10%
3Q-23
Riyad Bank - Investor Presentation - 30/09/23
General Business
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