ANNUAL REPORT 2020

Five-year Summary

Key indicators from the consolidated financial statements for the years ended 31 December 2020

For the years ended 31 December 2020 2019 2018 2017 2016
Operating results for the year (SAR ‘000)
Net financing and investment income 16,913,017 16,427,723 14,486,985 12,029,417 11,223,087
Total operating income 20,721,260 19,484,464 17,319,518 15,904,854 15,341,380
Total operating expenses 8,907,641 8,158,106 7,183,616 6,784,128 7,215,420
Net income 10,595,548 10,158,527 3,767,953 9,120,726 8,125,960
Total comprehensive income 10,676,861 10,292,041 3,665,518 9,026,520 8,219,879
Assets and liabilities (SAR ‘000)
Financing, net 315,712,101 249,682,805 231,758,206 233,535,573 224,994,124
Customer deposits 382,631,003 312,405,823 293,909,125 273,056,445 272,593,136
Total assets 468,824,723 384,086,576 364,030,844 343,116,528 339,711,817
Total liabilities 410,706,205 332,894,919 315,724,978 287,365,610 287,764,945
Total shareholders’ equity 58,118,518 51,191,657 48,305,866 55,750,918 51,946,872
Profitability
Return on average assets (%) 2.56 2.76 1.04 2.68 2.49
Return on average equity (%) 19.94 20.49 7.01 17.24 16.65
Earnings per share 4.24 4.06 1.51 5.61 5.00
Dividend per share 1* 3 2.76 2.5 1.5
Regulatory ratios
Capital adequacy ratio:
Tier I (%) 17.99 18.80 18.98 22.20 20.86
Tier I and II (%) 19.08 19.87 20.07 23.29 21.98
Growth
Staff (Nos.) 9,380 9,683 9,628 10,263 10,320
Branches (Nos.) 543 544 551 554 539
ATMs (Nos.) 5,211 5,215 5,006 4,803 4,475
POS Terminals (Nos.) 204,549 115,243 83,958 74,612 62,118

* The BOD’s recommendation to distribute dividends to shareholders for the year 2020. The eligibility of the dividends shall be at the end of trading day of ARB’s General Assembly meeting day.

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