Investor Presentaiton
International
Strong fee & other income momentum drives 11% net income growth
SAR (mn)
Total assets
Financing and advances, net
Total liabilities
30 2023 20 2023 A
31,671 29,664 +7%
15,936 16,001 -0%
27,606 25,641 +8%
27,606
30 2023 40 2022 A
31,671 32,308 -2%
15,936 16,740 -5%
28,628 -4%
Net Income Before Zakat & Tax Movement YoY (SARmn)
+11%
894
70
870
(377)
Customers' deposits
25,388 23,064 +10%
25,388
25,075 +1%
(326)
Operating Income
SAR +569 (+28%)
SNB
969
(164)
-21%
+186%
+54%
-24%
+111%
9M 2023 9M 2022
A
3Q 2023 3Q 2022 A
9M 22
NSCI
Net special commission income
1,196 1,522
-21%
480
410 +17%
Fee & other
income
Expenses Impairments Other income
(expenses)
9M 23
Fee & other income
1,376
482
+186%
411
224
+84%
Total operating income
2,572 2,003 +28%
891
634 +41%
Financing & Advances
(SARbn)
Operating expenses
(1,072) (695) +54%
(451)
(244)
+85%
-5%
Impairments
Other income (expenses)
(221) (291) -24%
(311) (147) +111%
(1)
(83) -99%
16.7
16.0
15.9
Customers' Deposits
(SARbn)
+1%
25.1
25.4
23.1
(360)
(36) +901%
Net income before zakat & tax
969
870 +11%
79
271 -71%
Cost to income ratio
Cost of risk
SNB | 3Q 2023 | Investor Presentation
-0%
QoQ
+10%
QoQ
41.7%
34.7%
1.71%
+697
bps
2.17% -46bps
50.6% 38.4%
+1551
bps
-0.01% 2.00% -280bps
4Q 22
2Q 23
3Q 23
4Q 22
2Q 23
3Q 23
43View entire presentation