Investor Presentaiton
Growth across assets, funded largely by increase in deposits
Total assets increased by 19% YTD as loans grew 16% and investments rose 16%,
further supported by increase in SAMA and bank placements
Total liabilities increased 23% YTD, mainly driven by growth in deposits of 23% YTD
Total equity was stable YTD as solid retained earnings generation was offset by
reduction (net of repayment and issuance) in Tier 1 sukuk and payment of 2022 final and
2023 interim dividends
Loans & Advances (SARbn)
Retail
Corporate
| Other
+16%
73.6
77.3
80.2
68.9
64.7
1.8
1.7
1.8
1.8
2.2
SAR Million
3Q 2023
2Q 2023
A
4Q 2022
A
55.5
43.1
47.3
52.5
58.3
Cash and balances with SAMA
9,739
8,149
+20%
6,401
+52%
19.4
19.8
19.3
20.0
20.2
Due from banks and financial Institutions, net
2,486
2,179
+14%
1,305
+91%
Investments, net
32,754
Loans and advances, net
Other assets, net
Total assets
80,201
4,646
129,826
+3%
+4%
Due to banks and other financial institutions, net
Customers' deposits
Other liabilities
Total liabilities
Share capital
25,885
85,455
1,948
113,288
10,000
10,000
Retained earnings
1,771
1,725
+3%
31,707
28,180 +16%
77,305
68,883 +16%
4,255 +9% 4,302
+8%
123,595
+5% 109,071 +19%
22,287 +16% 20,892 +24%
82,664 +3% 69,579 +23%
1,949
+0% 1,810 +8%
106,900 +6%
92,281 +23%
+0% 10,000
957
3Q 22
4Q 22
1Q 23
2Q 23
3Q 23
Deposits (SARbn)
Retail
Corporate
ā Other
+23%
79.2
82.7
85.5
Other reserves
2,053
2,255
-9%
2,618
+0%
+85%
-22%
67.6
69.6
43.2
52.1
54.0
32.3
34.7
10.9
10.2
9.3
Shareholders' equity
13,824
13,980
-1%
13,575
+2%
24.3
24.7
26.7
7.8
22.8
8.2
23.2
Tier 1 sukuk
2,715
2,715
+0%
Total equity
16,539
16,695
-1%
3,215
16,790
-16%
3Q 22
4Q 22
1Q 23
2Q 23
3Q 23
-1%
The Saudi Investment Bank - 3Q 2023 Earnings Presentation
P. 13View entire presentation