Samba Financial Group

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Tables 26
Chart
Charts 21
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• Samba financial group (Samba) previously called as ‘The Saudi American Bank’ is domiciled in Saudi Arabia, the biggest economy in t.....

Summary

• Samba financial group (Samba) previously called as ‘The Saudi American Bank’ is domiciled in Saudi Arabia, the biggest economy in the GCC region. It is the third largest bank in the KSA in terms of asset size. 
• Samba is 50.33% owned by the general public; Public Investment Fund (PIF) holds 22.9% stake, 15% is held by public pension agency and the remaining 11.77% is owned by the General Organisation for Social Insurance (GOSI). 
• Non-performing loans stood at 2.6% of the total bank loans, showing a decline from the previous year, on the back of improving asset quality. 
• Cost to income ratio is at 30% (less compared to its peers); Return on Average Equity (RoAE) has been low for the bank at 13.6% in comparison to its peers due to lower leverage ratio 
• Samba remains well capitalized (capital adequacy ratio >19%) with cheap source of funds and stable funding profile (demand deposits account for >60%) 
• Samba currently has over 72 branches in Saudi Arabia and through representative office and subsidiaries its operations are spread across Qatar, Pakistan, Dubai and London 
• Samba’s stock price has underperformed compared to the Saudi main index (TASI) in the longer horizon (2yr to 5yr period). Samba also underperformed compared to the Saudi banking and financial index in the last five years.

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: Samba Summary, 2014
1.2: Samba Business Review
1.3: Samba Financial Review
2.1: Top Banks in the Region, 2014 
2.2: Samba Subsidiaries 
2.3: Financial Ratios
2.4: Summary of Porter’s Five Forces analysis
2.5: Summary of STEEPLED analysis
2.6: SWOT analysis
3.1: Earnings Quality across time periods
3.2: Earnings Quality Components, 2014
4.1: Projections for Income Statement, Balance Sheet 
4.2: Credit Growth (in %)
4.3: Samba Key Ratios
5.1: Samba 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 RoAE (Values in USD bn), 2014
6.2: Samba Dividends, 2010-14
6.3: Samba Risk Metrics
6.4: Samba Liquidity Metrics
6.5: Samba Equity Calls
6.6: Samba Credit Rating, 2015
7.1:KSA banks’ credit break up by economic activity
7.2: Board of Directors and Designation

Charts
2.1: Samba: Business lines
2.2: Shareholding Pattern
2.3: Key Milestones
2.4: GDP per capita in USD (2014)
3.1: Net Loans (USD million)
3.2: Loans by Sector, 2014
3.3: Assets 2010-14 (USD bn)
3.4: Assets by Type
3.5: Total Deposits (USD billion)
3.6: 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: Samba vs. Saudi Index, Rebased (2010-2015)
6.2: Samba Volume Traded (in mn) vs. Stock Price (SAR)
6.3: Risk vs. Return: Samba, Peers and Saudi Index, 2010-15
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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