Task 1

• Analyze the size of your banks based on:
  • assets
  • deposits
  • market capitalization
  • Number of branches
  • ATMs
  • POS

BSFR	YEAR	ASSETS	DEPOSITS	MARKET CAP	BRANCHES	ATMS	POS	SIZE
	2020	194,073,584	127,111,644	46.04 B	87	-	-	MEDIUM
	2021	215,802,026	141,950,208	46.3 B	85	-	-
	2022	232,078,119	157,592,320	48.61 B	82	-	-

Al Rajhi	YEAR	ASSETS	DEPOSITS	MARKET CAP	BRANCHES	ATMS	POS	SIZE
	2020	468,824,723	382,631,003	$49.09 B	557	4750	453,525	LARGE
	2021	623,671,915	512,072,213	$94.53 B	521	4891	326121
	2022	762,366,022	564,924,688	$80.07 B	516	4,727	533442

BSFR BALANCE SHEET
	2020	2021	2022
CASH	14575396	15119032	16120697
SECURITIES	144,603,000	209,995,000	68,744,000
LOANS	130,564,835	147,812,759	159,011,525
MISCELLANEOUS ASSETS	11245017	9002299	12418653
DEPOSITS	157,592,320	141,950,208	127,111,644
NON-DEPOSIT BORROWINGS	28,325,995	34,166,148	35,740,474
EQUITY	38,635,945	39,685,670	38,745,325
TOTOAL LIABILITY AND SHAREHOLDER EQUITY	194,073,584	215,802,026	232,078,119

BSFR Report of Income
BSFR	YEAR	INTEREST INCOME	NON-INTEREST INCOME	INTEREST EXPENSE	NON-INTEREST EXPENSE
	2020	6,284,791	7,044,594	1,044,403	5,034,358
	2021	5,868,512	7,187,845	495,066	3,350,468
	2022	8,307,199	8,017,275	1,880,646	4,013,372

BSFR INCOME STATEMENT
	2020	2021		2022
TOTAL ASSETS	194,073,584	215,802,026		232,078,119
EQUITY CAPITAL	38,745,325	39,685,670		38,635,945
INTEREST INCOME	6,284,791	5,868,512		8,307,199
NON-INTEREST INCOME	7,044,594	7,187,845		8,017,275
INTEREST EXPENSE	1,044,403	495,066		1,880,646
NON-INTEREST EXPENSE	5,034,358	3,350,468		4,013,372
SHARE CAPITAL	12,053,572	12,053,572		12,053,572
PROVISION FOR LAON LOSS	2,670,268	903,524		1,359,797
NET INCOME	2,010,236	3,837,377		4,003,903
TOTAL OPERATING INCOME	7,044,594	7,187,845		8,017,275
TOTAL OPERATING EXPENSES	5,034,358	3,350,468		4,013,372
NET INCOME FROM OPERATIONS	1,546,211	3,449,877		3,575,130
Alrajhi BALANCE SHEET
			2020		2021	2022
CASH			76,017,346		66,428,841	67,708,425
SECURITIES			-		-	-
LOANS			568,338,114		452,830,657	315,712,101
MISCELLANEOUS ASSETS			12,418,653		9,002,299	11,245,017
DEPOSITS			564,924,688		512,072,213	382,631,003
NON-DEPOSIT BORROWINGS			97,216,299		44,290,851	28,075,202
EQUITY			100,225,035		67,308,851	58,118,518
TOTOAL LIABILITY AND SHAREHOLDER EQUITY			762,366,022		623,671,915	468,824,723

Alrajhi Report of Income
Alrajhi	YEAR	INTEREST INCOME	NON-INTEREST INCOME	INTEREST EXPENSE	NON-INTEREST EXPENSE
	2020	-	20,721,260	-	8,907,641
	2021	-	25,716,398	-	9,271,608
	2022	-	28,575,019	-	9,452,329

Alrajhi INCOME STATEMENT
	2022	2021	2020
TOTAL ASSETS	762,366,022	623,671,915	468,824,723
EQUITY CAPITAL	100,225,035	67,308,851	58,118,518
INTEREST INCOME	-	-	-
NON-INTEREST INCOME	28,575,019	25,716,398	2,072,126
INTEREST EXPENSE	-	-	-
NON-INTEREST EXPENSE	9,452,329	9,271,608	8,907,641
SHARE CAPITAL	40,000,000	25,000,000	25,000,000
PROVISION FOR LAON LOSS	2,001,259	2,345,086	2,165,740
NET INCOME	19,122,690	16,444,790	11,813,619
TOTAL OPERATING INCOME	28,575,019	25,716,398	20,721,260
TOTAL OPERATING EXPENSES	9,452,329	9,271,608	8,907,641
NET INCOME FROM OPERATIONS	17,150,825	14,746,211	10,595,548

Task 2

• Compare and contrast between the two banks in terms of operating performance and ratios.

You need to use all measures we cover in the class (operating performance such as the NIM, Non-IM, Spread...etc).

BSFR
	2020	2021	2022
ROA	1.04%	1.78%	1.73%
ROE	5.19%	9.67%	10.36%
NET-NONINTEREST MARGIN	1.04%	1.78%	1.73%
NET-INTEREST MARGIN	2.70%	2.49%	2.77%
NET OPERATING MARGIN	21.95%	48.00%	44.59%
EARNINGS SPREAD
EPS	0.17	0.32	0.33
OPERATING EFFICIENCY RATIO	71.46%	46.61%	50.06%

Alrajhi
	2022	2021	2020
ROA	2.51%	2.64%	2.52%
ROE	19.08%	24.43%	20.33%
NET-NONINTREST MARGIN	2.25%	2.26%	-1.92%
NET-INTREST MARGIN	-	-	-
NET OPERATING MARGIN	60.02%	57.34%	51.13%
EPS	47.81%	65.78%	47.25%
OPERATING EFFICIENCY RATIO	33.08%	36.05%	42.99%

Task 3

• Compare and contrast between the two banks in terms of stock performance. Measure banks overall risk for ROA, ROE, net income, and stock price.

BSFR
DATE	CLOSE	CHANGE
1/1/2020	37.1
2/1/2020	33.6	-9.43%
3/1/2020	25.85	-23.07%
4/1/2020	30.95	19.73%
5/1/2020	30.25	-2.26%
6/1/2020	28.55	-5.62%
7/1/2020	30.15	5.60%
8/1/2020	31.95	5.97%
9/1/2020	32.3	1.10%
10/1/2020	29.7	-8.05%
11/1/2020	33.15	11.62%
12/1/2020	31.6	-4.68%
1/1/2021	33	4.43%
2/1/2021	28.8	-12.73%
3/1/2021	33.35	15.80%
4/1/2021	39	16.94%
5/1/2021	36.3	-6.92%
6/1/2021	38.4	5.79%
7/1/2021	36.95	-3.78%
8/1/2021	40.5	9.61%
9/1/2021	41.7	2.96%
10/1/2021	42.15	1.08%
11/1/2021	40.2	-4.63%
12/1/2021	47.25	17.54%
1/1/2022	52.3	10.69%
2/1/2022	53.1	1.53%
3/1/2022	53.7	1.13%
4/1/2022	54.2	0.93%
5/1/2022	53.8	-0.74%
6/1/2022	47.4	-11.90%
7/1/2022	51.4	8.44%
8/1/2022	49.75	-3.21%
9/1/2022	42	-15.58%
10/1/2022	43	2.38%
11/1/2022	42.5	-1.16%
12/1/2022	40.6	-4.47%

BSFR
	2020	2021	2022
ROA	1.04%	1.78%	1.73%
ROE	5.19%	9.67%	10.36%
NET INCOME	2010236	3837377	4003903
STOCK PRICE	31.6	47.25	40.6

Alrajhi
DATE	CLOSE	CHANGE
1/1/2020	41.5
2/1/2020	39.25	-5.42%
3/1/2020	33.63	-14.32%
4/1/2020	35.75	6.30%
5/1/2020	36.06	0.87%
6/1/2020	35.38	-1.89%
7/1/2020	36.81	4.04%
8/1/2020	40.56	10.19%
9/1/2020	41.06	1.23%
10/1/2020	41.13	0.17%
11/1/2020	46.75	13.66%
12/1/2020	46	-1.60%
1/1/2021	45.19
2/1/2021	55.88	23.66%
3/1/2021	61.75	10.50%
4/1/2021	61.81	0.10%
5/1/2021	64.5	4.35%
6/1/2021	69.38	7.57%
7/1/2021	69.38	0.00%
8/1/2021	75.63	9.01%
9/1/2021	76.63	1.32%
10/1/2021	86.88	13.38%
11/1/2021	82.63	-4.89%
12/1/2021	88.63	7.26%
1/1/2022	92.63
2/1/2022	100.25	8.23%
3/1/2022	100.38	0.13%
4/1/2022	110.38	9.96%
5/1/2022	98.9	-10.40%
6/1/2022	82.5	-16.58%
7/1/2022	88.9	7.76%
8/1/2022	90.2	1.46%
9/1/2022	81.3	-9.87%
10/1/2022	85.9	5.66%
11/1/2022	80.3	-6.52%
12/1/2022	75.2	-6.35%

Al Rajhi
	2020	2021	2022
ROA	2.52%	2.64%	2.51%%
ROE	20.33%	24.43%	19.80%
NET INCOME	11,813,619	16,444,790	19,122,690
STOCK PRICE	46	88.63	75.2

AVERAGE CHANGE
2020		2021		2022
BSFR	ALRAJHI	BSFR	ALRAJHI	BSFR	ALRAJHI
-0.83%	1.20%	3.84%	6.57%	-1.00%	-1.50%

Task 4

• Measure the two banks risks, credit risk, liquidity risk, market risk, reputation risk...et

BSFR RISK
	2020	2021	2022
CREDIT RISK	26.79%	0.61%	0.86%
LIQUIDITY RISK	7.51%	7.01%	6.95%
MARKET RISK
CAPITAL RISK	19.96%	18.39%	16.65%

Alrajhi RISK
	2022	2021	2020
CREDIT RISK	0.35%	0.52%	0.69%
LIQUIDITY RISK	9.97%	10.65%	14.44%
MARKET RISK
CAPITAL RISK	13.15%	10.79%	12.40%