Saudi Arabia Banking Pulse

Glossary Metric Abbreviation Definition Size Loans and Advances Growth Deposits Growth Liquidity Loan-to-Deposit Ratio LDR Operating Income Growth Operating Income & Operating Income / Assets Non-Interest Income / Operating Income Net Interest Margin QoQ growth in EOP net loans and advances for the top 10 QoQ growth in EOP customer deposits for the top 10 (Net EOP loans and advances / EOP customer deposits) for the top 10 QoQ growth in aggregate quarterly operating income generated by the top 10 (Annualized quarterly operating income / quarterly average assets) for the top 10 (Quarterly non-interest income / quarterly operating income) for the top 10 Efficiency Yield on Credit Cost of Funds NIM (Aggregate annualized quarterly net interest income) / (quarterly average earning assets) for the top 10 Earnings assets are defined as total assets excluding goodwill, intangible assets, and property and equipment YOC (Annualized quarterly gross interest income / quarterly average loans & advances) for the top 10 COF (Annualized quarterly interest expense + annualized quarterly capital notes & tier I sukuk interest) / (quarterly average interest bearing liabilities + quarterly average capital notes & tier I sukuk interest) for the top 10 Cost-to-Income Ratio C/I (Quarterly operating expenses / quarterly operating income) for the top 10 Coverage Ratio (Loan loss reserves / non-performing loans) for the top 10 Risk Cost of Risk COR Return on Equity RoE (Annualized quarterly provision expenses net of recoveries / quarterly average gross loans) for the top 10 (Annualized quarterly net profit attributable to the equity holders of the banks - annualized quarterly capital notes & tier I sukuk interest) / (quarterly average equity excluding capital notes) for the top 10 Profitability Return on Assets RoA (Annualized quarterly net profit/quarterly average assets) for the top 10 Capital Return on Risk-Weighted Assets Capital Adequacy Ratio RoRWA (Annualized quarterly net profit generated/quarterly average risk-weighted assets) for the top 10 CAR (EOP tier I capital + tier II capital) / (EOP risk-weighted assets) for the top 10 Note: LTM and EOP stand for last twelve months and end of period respectively 21 ALVAREZ & MARSAL

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