Riyad Bank

Pages
Pages 51
table
Tables 26
Chart
Charts 23
Price $100

• Riyad Bank is one of the largest banks in the Kingdom of Saudi Arabia. Government of Saudi Arabia holds 51% of the ownership in the bank. .....

Summary

• Riyad Bank is one of the largest banks in the Kingdom of Saudi Arabia. Government of Saudi Arabia holds 51% of the ownership in the bank. 
• Riyad Bank’s loans have been growing at a CAGR of 6% (2010-2014) compared to deposits which rose at a CAGR of 5%. 
• Riyad Bank’s total assets have increased from 46.3 USD billion in 2010 to 57.2 USD billion in 2014, representing a CAGR of 5.4%. 
• Riyad Bank has access to cheap source of funding as 49% of its deposits are non-interest bearing. 
• Asset quality of Riyad Bank remains strong, as evidenced by their non-performing loans which stand at 1.65%. 
• Riyad Bank’s Return on Equity (RoE) stands at 12.4% which is much below the industry standard of 17.5% due to its low leverage (assets/equity) of 6.0x as against industry average of 7.3x. 
• The bank remains well capitalized (Capital Adequacy Ratio >16%) and the asset quality remains strong (NPL at 1.65%). • It has been a consistent dividend payer and the average dividend yield over the past five years stands well above 5%.

TOC

  1. Executive Summary
  2. Business Overview
    • Overview
    • Porter Five Force Analysis
    • STEEPLED analysis
  3. Financial Overview
    • 2014 Results
    • Loans & Deposits
    • Key Financial Ratios
    • Earnings Quality (EQ)
  4. Projections
  5. Peer Analysis
    • Domestic Peers
    • Regional Peers
    • Recent Developments
  6. Share Market Overview
    • Dividend
    • Risk Metrics
    • Liquidity
    • Analyst Calls
    • Credit Rating
  7. Appendix
    • Sector Overview
    • Growth Drivers

Tables & Charts

Tables
1.1: Riyad Bank’s Summary, 2014.
1.2: Riyad Bank’s Business Review
1.3: Riyad Bank’s Financial Review
2.1: Top Banks in the Region, 2014
2.2: Financial Ratios 
2.3: Riyad Bank International Footprint
2.4: Summary of Porter’s Five Forces analysis
2.5: Summary of STEEPLED analysis
2.6: SWOT analysis, Riyad Bank
3.1: Earnings Quality across time periods
3.2: Earnings Quality Components, 2014
4.1: Projections for Income Statement, Balance Sheet 
4.2: KSA, Credit Growth (in %)
4.3: Riyad Bank’s Key Ratios
5.1: Riyad Bank’s Peers, 2014
5.2: Profitability Ratios, 2014
5.3: Asset Quality Metrics, 2014
5.4: Capital & Liquidity Ratios, 2014
5.5: Rankings of Regional Peers based on Market Cap (Values in USD bn)
6.1: Returns of Riyad Bank vs. Saudi Main Index
6.2: Riyad Bank’s Dividends, 2010-14
6.3: Riyad Bank’s Risk Metrics
6.4: Riyad Bank’s Liquidity Metrics
6.5: Riyad Bank Equity Calls
6.6: Riyad Bank’s Credit Rating
7.1: Board of Directors and Designation

Charts
2.1: Ownership structure of Riyad Bank
2.2: Riyad Bank’s Business lines
2.3: Key Milestones
2.4: GDP per capita (2014)
2.5:  Real GDP (in %), (2010-2014) 
3.1: Net Loans (USD billion)
3.2: Loans by Type
3.3 Loans by Sector
3.4: Assets 2010-14 (USD bn) 
3.5: Assets by Type 
3.5: Total Deposits (USD billion)
3.6: Customer Deposits by Type
3.7: Non-Interest Income (USD mn)
3.8: Non-Interest Expense (USD mn)
3.9: Net-Interest Income & Net Income (USD mn)
6.1: Riyad Bank vs. Saudi Main Index, Saudi Banking Index (2010-2015) 
6.2: Riyad Bank’s volume Traded (in SAR mn) vs. Stock Price
6.3: Risk vs. Return: Riyad Bank, Peers and Tadawul All Share Index , 2009-14
7.1: Sector wise breakup of Saudi Arabia Economy
7.2: Real GDP Growth Rate, 2010-2015 CAGR
7.3: KSA Banking Sector (2010-2014) in USD billion
7.4: KSA Real GDP Growth Rate (in %)
7.5: Gross Domestic Product break-up (in %)

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