SAIB at a Glance

Financial Capital

	2017 SAR million	2016 SAR million
Total income1	2,792	2,557
Total expense2	1,059	1,051
Operating profit	1,733	1,506
Impairment charges	322	453
Net income	1,411	1,053
Loans and advances, net	59,588	60,249
Investments, net	21,714	21,448
Investments in associates	1,020	1,000
Total assets	93,796	93,047
Term loans	2,015	2,032
Subordinated debt	2,003	2,002
Customer deposits	66,943	65,640
Total shareholders’ equity	13,494	12,834
Tier I Sukuk	785	500
Total equity	14,279	13,334
Return on average equity %	10.72	8.54
Return on average assets %	1.51	1.13
Capital adequacy %	20.38	18.93
Equity to total assets %	15.22	14.33

1 Total income includes total operating income plus Bank’s share in earnings of associates.

2 Total expense includes total operating expenses before impairment charges.