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    Banks - Regional
Bank AlJazira

Bank AlJazira

1020.SR
Bank AlJaziraSA flagSaudi Exchange
11.82
SAR
-0.02
- -
15.08BMarket Cap
Bank AlJazira
1020.SR
(Saudi Exchange)

Recent

price

11.82

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
1.37
1.32
1.78
2.06
2.51
3.29
2.79
2.91
2.26
2.32
2.56
2.77
2.68
2.59
2.95
3.5
3.26
Revenue per Share
0.03
0.34
0.56
0.73
0.65
1.45
0.98
0.97
0.32
0.77
0.03
0.79
0.87
0.8
0.96
1.18
1.06
Basic EPS, GAAP
0.01
2.25
5.39
4.78
-1.82
-2.38
3.62
4.5
1.02
2.6
1.5
-0.06
3.39
-1.47
1.08
-0.86
1.84
Free Cash Flow per Basic Share
- -
- -
0.18
- -
- -
- -
- -
0.21
0.21
0.5
0.2
0.22
0.46
- -
- -
0.01
- -
Dividend per Share
3.44
3.39
3.81
4.39
5.44
6.53
7.1
7.59
7.17
6.79
6.87
7.19
7.25
7.75
9.92
11.66
11.45
Book Value per Share
5.09
5.33
5.65
6.46
6.94
8.35
9.11
9.79
9.41
8.93
8.76
10.75
10.49
12.62
13.36
16.74
14.94
Tangible Book Value per Share
887
887
887
887
887
887
887
887
1,179
1,281
1,281
1,281
1,281
1,281
1,281
1,276
1,278
Basic Weighted Avg Shares
1,213
1,172
1,583
1,830
2,227
2,918
2,473
2,580
2,665
2,977
3,281
3,547
3,430
3,323
3,779
4,463
4,169
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
82
67
66
71
79
79
81
87
93
201
214
199
198
182
184
178
171
Depreciation Expense
28
303
500
651
572
1,287
872
858
378
991
34
1,006
1,109
1,020
1,231
1,506
1,356
Net Income, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
62.18
11.68
- -
12.76
14.47
13.62
12.36
15.7
12.35
Effective Tax Rate (%)
2.33
25.84
31.61
35.56
25.7
44.11
35.26
33.24
14.2
33.29
1.03
28.37
32.34
30.69
32.57
33.74
32.53
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
1,000
1,000
1,000
1,000
1,007
2,006
2,006
2,008
2,379
2,330
2,285
2,225
2,202
2,184
2,211
2,006
LT Debt
4,516
4,733
5,012
5,729
6,158
7,413
8,104
8,829
11,244
11,590
11,364
13,895
13,609
16,415
17,414
21,775
19,091
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
0.93
10
15.67
17.88
13.13
24.25
14.42
13.16
4.98
11.55
0.39
11.17
11.98
10.61
10.87
10.91
9.99
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1,281
1,276
1,276
Market Capitalization
19,168
17,897
16,426

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
13,281
12,704
13,129
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
11.87%
14.39%
25.04%
Free Cash Flow
-655.87%
-1,279.15%
-179.45%
Net Income, GAAP
290.14%
585.16%
22.31%
Sales/Revenue/Turnover
4.78%
6.7%
18.08%
Total Cash Common Dividend
- -
657.06%
298.59%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
887
903
1,021
967
3,779
2025
1,080
1,102
1,183
- -
4,463
2026
1,153
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.23
0.25
0.26
- -
0.96
2025
0.28
0.3
- -
- -
1.18
2026
0.32
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
0.01
2026
0.5
- -
- -
- -
- -
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Business
Bank AlJazira is a Saudi Arabian financial institution specializing in Sharia-compliant banking and financial services. It offers a comprehensive range of products including retail banking services such as savings and current accounts, real estate financing, personal financing, auto leasing, safety deposit boxes, money transfer services, e-statements, and digital banking platforms. The bank also provides corporate banking services including trade finance, cash management, SME products, merchant acquiring, and investment services. Its product suite includes branded credit cards like Ajwaa Plus credit card and Samsung Pay integration, alongside diverse mortgage options including investment mortgage finance and equity release finance. Bank AlJazira operates primarily in Saudi Arabia with a focus on individual, SME, and corporate customer segments. Established in 1975, the bank is headquartered in Jeddah, Saudi Arabia. Recent major developments include a 21% year-on-year increase in net profit for 2024 driven by a 20% growth in net financing and investment income and a 15% rise in customer deposits. The bank launched revamped digital platforms for corporate and retail clients along with new CRM applications and B2B services, enhancing customer experience and operational efficiency. It introduced five new SME products and expanded its merchant acquiring business while planning further product launches in trade finance and cash management for 2025. Bank AlJazira completed a capital increase from SAR 8.2 billion to SAR 10.25 billion and issued a SAR 1 billion Additional Tier 1 Capital Sukuk in late 2024 as part of its strategic financial strengthening. These initiatives support the bank’s objective to improve portfolio quality, expand SME penetration, and boost digital and operational capabilities.