Key indicators from the consolidated financial statements for the years ended 31 December
| For the years ended 31 December |
2018 |
2017 |
2016 |
2015 |
2014 |
| Operating results for the year, USD million |
|
|
|
|
|
| Net financing and investment income |
3,534 |
3,208 |
2,977 |
2,656 |
2,618 |
| Total operating income |
4,619 |
4,241 |
4,076 |
3,666 |
3,645 |
| Total operating expenses |
1,873 |
1,809 |
1,909 |
1,764 |
1,822 |
| Net income |
2,746 |
2,432 |
2,166 |
1,901 |
1,823 |
| Total comprehensive income |
2,719 |
2,407 |
2,192 |
1,845 |
1,806 |
|
|
|
|
|
|
| Assets and liabilities, USD million |
|
|
|
|
|
| Financing, net |
62,417 |
62,276 |
59,998 |
56,058 |
54,917 |
| Customer deposits |
78,376 |
72,814 |
72,691 |
68,327 |
68,287 |
| Total assets |
97,334 |
91,498 |
90,590 |
84,165 |
82,057 |
| Total liabilities |
84,387 |
76,631 |
76,737 |
71,728 |
70,884 |
| Total shareholders’ equity |
12,948 |
14,867 |
13,853 |
12,437 |
11,172 |
|
|
|
|
|
|
| Profitability |
|
|
|
|
|
| Return on average assets, % |
2.90 |
2.67 |
2.48 |
2.29 |
2.33 |
| Return on average equity, % |
19.80 |
16.94 |
16.49 |
16.11 |
17.01 |
| Basic and diluted earnings per share, USD |
1.69 |
1.50 |
1.33 |
1.17 |
1.12 |
| Dividend per share, USD |
1.13 |
0.66 |
0.60 |
0.67 |
0.73 |
|
|
|
|
|
|
| Regulatory ratios |
|
|
|
|
|
| Capital adequacy ratio: |
|
|
|
|
|
| Tier I, % |
19.08 |
22.20 |
20.86 |
19.74 |
18.48 |
| Tier I and II, % |
20.17 |
23.29 |
21.98 |
20.83 |
19.59 |
|
|
|
|
|
|
| Growth |
|
|
|
|
|
| Staff Nos. |
12,732 |
13,077 |
13,684 |
12,374 |
11,761 |
| Branches (Nos.) |
551 |
554 |
539 |
525 |
501 |
| ATMs (Nos.) |
5,006 |
4,794 |
4,475 |
4,500 |
3,997 |
| POS Terminals (Nos.) |
83,958 |
74,612 |
62,118 |
51,000 |
32,792 |
Exchange rate of SAR 3.75 per US dollar has been used for the above conversion of SAR Financial Statements into US dollar.
