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Al Salam Bank - Sudan

DFM:ALSALAMSUDAN
Snowflake Description

Mediocre balance sheet and slightly overvalued.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
ALSALAMSUDAN
DFM
AED179M
Market Cap
  1. Home
  2. AE
  3. Banks
Company description

Al Salam Bank - Sudan provides commercial banking products and services in Sudan. The last earnings update was 7 days ago. More info.


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ALSALAMSUDAN Share Price and Events
7 Day Returns
0%
DFM:ALSALAMSUDAN
-5.6%
AE Banks
-1.6%
AE Market
1 Year Returns
24.4%
DFM:ALSALAMSUDAN
-36.8%
AE Banks
-25.5%
AE Market
ALSALAMSUDAN Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Al Salam Bank - Sudan (ALSALAMSUDAN) 0% 8% 18.4% 24.4% -26% -19.5%
AE Banks -5.6% -29.6% -36.9% -36.8% -23.8% -42.9%
AE Market -1.6% -19.1% -22.1% -25.5% -29% -33.3%
1 Year Return vs Industry and Market
  • ALSALAMSUDAN outperformed the Banks industry which returned -36.8% over the past year.
  • ALSALAMSUDAN outperformed the Market in United Arab Emirates which returned -25.5% over the past year.
Price Volatility
ALSALAMSUDAN
Industry
5yr Volatility vs Market
Related Companies

Sorry, no analysis for Al Salam Bank - Sudan's competitors could be found in our database.

ALSALAMSUDAN Value

 Is Al Salam Bank - Sudan undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Al Salam Bank - Sudan to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Al Salam Bank - Sudan.

DFM:ALSALAMSUDAN Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= SDG17.04 * 24.5%
SDG4.18
Book Value of Equity per Share Median Book Value from the past 5 years. SDG17.04
Discount Rate (Cost of Equity) See below 13%
Perpetual Growth Rate 10-Year AE Government Bond Rate 8.6%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for DFM:ALSALAMSUDAN
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year AE Govt Bond Rate 8.6%
Equity Risk Premium S&P Global 5.4%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.51
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.51 (1 + (1- 35%) (0%))
0.672
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.8
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 8.6% + (0.8 * 5.44%)
12.95%

Discounted Cash Flow Calculation for DFM:ALSALAMSUDAN using Excess Returns Model Model

The calculations below outline how an intrinsic value for Al Salam Bank - Sudan is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

DFM:ALSALAMSUDAN Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (24.5% – 12.95%) * SDG17.04)
SDG1.97
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= SDG1.97 / (12.95% - 8.6%)
SDG45.24
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= SDG17.04 + SDG45.24
SDG62.28
DFM:ALSALAMSUDAN Discount to Share Price
Calculation Result
Exchange Rate SDG/AED
(Reporting currency to currency of DFM:ALSALAMSUDAN)
0.067
Value per Share
(AED)
= Value per Share in SDG x Exchange Rate (SDG/AED)
= SDG62.28 x 0.067
AED4.15
Value per share (AED) From above. AED4.15
Current discount Discount to share price of AED1.48
= -1 x (AED1.48 - AED4.15) / AED4.15
64.3%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Al Salam Bank - Sudan is available for.
Intrinsic value
>50%
Share price is AED1.48 vs Future cash flow value of AED4.15
Current Discount Checks
For Al Salam Bank - Sudan to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Al Salam Bank - Sudan's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Al Salam Bank - Sudan's share price is below the future cash flow value, and at a substantial discount (> 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Al Salam Bank - Sudan's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Al Salam Bank - Sudan's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
DFM:ALSALAMSUDAN PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-12-31) in SDG SDG0.65
DFM:ALSALAMSUDAN Share Price ** DFM (2020-03-24) in AED AED1.48
DFM:ALSALAMSUDAN Share Price converted to SDG reporting currency Exchange rate (AED/ SDG) 15.005 SDG22.21
United Arab Emirates Banks Industry PE Ratio Median Figure of 16 Publicly-Listed Banks Companies 7.88x
United Arab Emirates Market PE Ratio Median Figure of 81 Publicly-Listed Companies 9.61x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Al Salam Bank - Sudan.

DFM:ALSALAMSUDAN PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= DFM:ALSALAMSUDAN Share Price ÷ EPS (both in SDG)

= 22.21 ÷ 0.65

34.39x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Al Salam Bank - Sudan is overvalued based on earnings compared to the AE Banks industry average.
  • Al Salam Bank - Sudan is overvalued based on earnings compared to the United Arab Emirates market.
Price based on expected Growth
Does Al Salam Bank - Sudan's expected growth come at a high price?
Raw Data
DFM:ALSALAMSUDAN PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 34.39x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
Not available
United Arab Emirates Banks Industry PEG Ratio Median Figure of 5 Publicly-Listed Banks Companies 0.37x
United Arab Emirates Market PEG Ratio Median Figure of 24 Publicly-Listed Companies 1.19x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Al Salam Bank - Sudan, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Al Salam Bank - Sudan's assets?
Raw Data
DFM:ALSALAMSUDAN PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-12-31) in SDG SDG23.06
DFM:ALSALAMSUDAN Share Price * DFM (2020-03-24) in AED AED1.48
DFM:ALSALAMSUDAN Share Price converted to SDG reporting currency Exchange rate (AED/ SDG) 15.005 SDG22.21
United Arab Emirates Banks Industry PB Ratio Median Figure of 19 Publicly-Listed Banks Companies 0.67x
United Arab Emirates Market PB Ratio Median Figure of 108 Publicly-Listed Companies 0.69x
DFM:ALSALAMSUDAN PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= DFM:ALSALAMSUDAN Share Price ÷ Book Value per Share (both in SDG)

= 22.21 ÷ 23.06

0.96x

* Primary Listing of Al Salam Bank - Sudan.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Al Salam Bank - Sudan is overvalued based on assets compared to the AE Banks industry average.
X
Value checks
We assess Al Salam Bank - Sudan's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. Al Salam Bank - Sudan has a total score of 2/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

ALSALAMSUDAN Future Performance

 How is Al Salam Bank - Sudan expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Al Salam Bank - Sudan has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have past financial data. You can see them here.

Show me the analysis anyway

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
9.3%
Expected Banks industry annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Al Salam Bank - Sudan expected to grow at an attractive rate?
  • Unable to compare Al Salam Bank - Sudan's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
  • Unable to compare Al Salam Bank - Sudan's earnings growth to the United Arab Emirates market average as no estimate data is available.
  • Unable to compare Al Salam Bank - Sudan's revenue growth to the United Arab Emirates market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
DFM:ALSALAMSUDAN Future Growth Rates Data Sources
Data Point Source Value (per year)
United Arab Emirates Banks Industry Earnings Growth Rate Market Cap Weighted Average 9.3%
United Arab Emirates Banks Industry Revenue Growth Rate Market Cap Weighted Average 8.7%
United Arab Emirates Market Earnings Growth Rate Market Cap Weighted Average 6.9%
United Arab Emirates Market Revenue Growth Rate Market Cap Weighted Average 5%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
DFM:ALSALAMSUDAN Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in SDG Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
DFM:ALSALAMSUDAN Past Financials Data
Date (Data in SDG Millions) Revenue Cash Flow Net Income *
2019-12-31 354 129 78
2019-09-30 765 101 511
2019-06-30 770 193 533
2019-03-31 767 388 551
2018-12-31 411 1,090 942
2018-09-30 702 733 522
2018-06-30 680 756 531
2018-03-31 633 677 506
2017-12-31 225 173 115
2017-09-30 189 313 110
2017-06-30 196 166 105
2017-03-31 207 196 109

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Unable to determine if Al Salam Bank - Sudan is high growth as no earnings estimate data is available.
  • Unable to determine if Al Salam Bank - Sudan is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
DFM:ALSALAMSUDAN Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Al Salam Bank - Sudan Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

DFM:ALSALAMSUDAN Past Financials Data
Date (Data in SDG Millions) EPS *
2019-12-31 0.65
2019-09-30 4.24
2019-06-30 4.41
2019-03-31 4.57
2018-12-31 7.77
2018-09-30 4.32
2018-06-30 4.37
2018-03-31 4.17
2017-12-31 0.95
2017-09-30 0.90
2017-06-30 0.86
2017-03-31 0.89

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Al Salam Bank - Sudan will efficiently use shareholders’ funds in the future without estimates of Return on Equity.

Next steps:

  1. Al Salam Bank - Sudan's future outlook can be gauged by looking at industry trends and market size, and determining how well-positioned the company is compared to its competitors. Take a look at other high-growth Banks companies here
  2. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Future performance checks
We assess Al Salam Bank - Sudan's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United Arab Emirates market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United Arab Emirates market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Al Salam Bank - Sudan has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

ALSALAMSUDAN Past Performance

  How has Al Salam Bank - Sudan performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Al Salam Bank - Sudan's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Al Salam Bank - Sudan has delivered over 20% year on year earnings growth in the past 5 years.
  • Al Salam Bank - Sudan's 1-year earnings growth is negative, it can't be compared to the 5-year average.
  • Al Salam Bank - Sudan's 1-year earnings growth is negative, it can't be compared to the AE Banks industry average.
Earnings and Revenue History
Al Salam Bank - Sudan's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Al Salam Bank - Sudan Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

DFM:ALSALAMSUDAN Past Revenue, Cash Flow and Net Income Data
Date (Data in SDG Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-12-31 354.14 78.31 130.14
2019-09-30 764.57 511.47 119.03
2019-06-30 769.94 532.65 102.47
2019-03-31 766.60 551.20 82.50
2018-12-31 411.18 942.18 79.83
2018-09-30 701.96 522.01 73.02
2018-06-30 680.25 531.06 68.77
2018-03-31 632.63 506.49 63.39
2017-12-31 225.26 115.07 56.44
2017-09-30 188.72 110.02 52.72
2017-06-30 195.99 104.76 51.70
2017-03-31 207.27 108.73 51.37
2016-12-31 184.06 92.23 50.52
2016-09-30 153.63 70.31 47.49
2016-06-30 144.99 64.72 45.83
2016-03-31 137.98 65.90 44.01
2015-12-31 137.15 62.27 42.58
2015-09-30 110.21 39.04 37.46
2015-06-30 101.10 28.19 37.90
2015-03-31 97.83 22.15 35.74
2014-12-31 121.50 46.51 34.99
2014-09-30 156.97 80.79 35.03
2014-06-30 172.22 100.06 33.65
2014-03-31 167.25 95.48 34.34
2013-12-31 136.51 66.29 33.94
2013-09-30 140.39 81.06 35.51
2013-06-30 222.00 164.41 36.16

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Al Salam Bank - Sudan has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Al Salam Bank - Sudan used its assets more efficiently than the AE Banks industry average last year based on Return on Assets.
  • Unable to establish if Al Salam Bank - Sudan improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Al Salam Bank - Sudan's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Al Salam Bank - Sudan has a total score of 2/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

ALSALAMSUDAN Health

 How is Al Salam Bank - Sudan's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Al Salam Bank - Sudan's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Al Salam Bank - Sudan Company Filings, last reported 3 months ago.

DFM:ALSALAMSUDAN Past Debt and Equity Data
Date (Data in SDG Millions) Total Equity Total Debt Cash & Short Term Investments
2019-12-31 2,836.37 0.00 1,030.60
2019-09-30 2,801.50 0.00 1,188.90
2019-06-30 2,803.92 0.00 1,506.79
2019-03-31 2,819.75 0.00 1,344.45
2018-12-31 2,794.87 0.00 1,807.88
2018-09-30 2,085.62 0.00 1,111.98
2018-06-30 2,066.84 0.00 1,159.52
2018-03-31 2,032.50 0.00 1,323.49
2017-12-31 1,318.91 0.00 341.87
2017-09-30 1,258.20 0.00 489.89
2017-06-30 1,220.51 0.00 328.35
2017-03-31 1,199.54 0.00 292.05
2016-12-31 1,176.90 0.00 141.95
2016-09-30 1,094.95 0.00 192.26
2016-06-30 1,064.17 0.00 200.33
2016-03-31 1,045.25 0.00 199.14
2015-12-31 1,037.32 0.00 242.14
2015-09-30 1,019.94 0.00 189.26
2015-06-30 994.91 0.00 195.28
2015-03-31 974.79 0.00 232.73
2014-12-31 967.00 0.00 124.73
2014-09-30 829.69 0.00 278.62
2014-06-30 817.99 0.00 254.54
2014-03-31 803.92 0.00 238.02
2013-12-31 775.73 0.00 218.65
2013-09-30 691.17 0.00 332.61
2013-06-30 661.84 0.00 304.16
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Al Salam Bank - Sudan has an acceptable proportion of non-loan assets held.
  • Al Salam Bank - Sudan's liabilities are made up of primarily higher risk sources of funding.
  • Al Salam Bank - Sudan has advanced significantly more loans than the customer deposits it holds (i.e. bank has borrowed additional funds to lend).
  • Al Salam Bank - Sudan's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • Al Salam Bank - Sudan has a sufficient allowance for bad loans.
  • Al Salam Bank - Sudan has a high level of bad loans (greater than 2%).
X
Financial health checks
We assess Al Salam Bank - Sudan's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Al Salam Bank - Sudan has a total score of 3/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

ALSALAMSUDAN Dividends

 What is Al Salam Bank - Sudan's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Al Salam Bank - Sudan dividends.
If you bought AED2,000 of Al Salam Bank - Sudan shares you are expected to receive AED0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Al Salam Bank - Sudan's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Al Salam Bank - Sudan's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
DFM:ALSALAMSUDAN Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
United Arab Emirates Banks Industry Average Dividend Yield Market Cap Weighted Average of 12 Stocks 7.4%
United Arab Emirates Market Average Dividend Yield Market Cap Weighted Average of 62 Stocks 6.5%
United Arab Emirates Minimum Threshold Dividend Yield 10th Percentile 3%
United Arab Emirates Bottom 25% Dividend Yield 25th Percentile 5.1%
United Arab Emirates Top 25% Dividend Yield 75th Percentile 9.1%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Al Salam Bank - Sudan has not reported any payouts.
  • Unable to verify if Al Salam Bank - Sudan's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Al Salam Bank - Sudan's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Al Salam Bank - Sudan has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Al Salam Bank - Sudan's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 3%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Al Salam Bank - Sudan afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Al Salam Bank - Sudan has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

ALSALAMSUDAN Management

 What is the CEO of Al Salam Bank - Sudan's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Alnour Iz-Alarab
TENURE AS CEO 5.3 years
CEO Bio

Mr. Alnour Ajabna Iz-Alarab serves as General Manager at Al Salam Bank - Sudan since 2015.

CEO Compensation
  • Insufficient data for Alnour to compare compensation growth.
  • Insufficient data for Alnour to establish whether their remuneration is reasonable compared to companies of similar size in .
Management Team Tenure

Average tenure of the Al Salam Bank - Sudan management team in years:

5.3
Average Tenure
  • The average tenure for the Al Salam Bank - Sudan management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

Alnour Iz-Alarab

TITLE
General Manager
TENURE
5.3 yrs

Alsadiq Mohammed Ali

TITLE
Head of Finance Department
TENURE
5.3 yrs

Waleed Elbashir

TITLE
Acting Manager of Operation & Liquidity

Sayed Hasan Ahmouda

TITLE
Head of Administration Services Department

Ali Abdulrahman

TITLE
Head of Legal Department

Ghada Zaroug

TITLE
Head of Compliance Department
TENURE
4.3 yrs

Nasser Karrar

TITLE
Head of Planning & Marketing Department

Mazin Hamour

TITLE
Head of Human Resource Department

Osman Ali Elsalawi

TITLE
Head of Internal Audit Department

Mojahed Mustafa

TITLE
Head of Risk Department
Board of Directors

Mohammed Bin Bin Youssef Al Muhairi

TITLE
Chairman of the Board
TENURE
10 yrs

Hussein Hamed Hassan

TITLE
President of Sharia'a Board

Abd Elbasit Kamal Al Hassan

TITLE
Director

Saud Al Burair

TITLE
Director

Abdullah Saad Al Khanbashi

TITLE
Director

Mohammed Ali Al Hosani

TITLE
Director

Abdalrahman Ahmed Senan

TITLE
Director

Abass Al Bakheet Mudawi

TITLE
Director

Mohammed Abdul Zoeir

TITLE
Member & Secretary of Sharia'a Board

Sultan Abdulaziz Alsadoon

TITLE
Director
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (AED) Value (AED)
X
Management checks
We assess Al Salam Bank - Sudan's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Al Salam Bank - Sudan has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

ALSALAMSUDAN News

Simply Wall St News

ALSALAMSUDAN Company Info

Description

Al Salam Bank - Sudan provides commercial banking products and services in Sudan. It offers deposit products, such as current, saving, and time deposit accounts, as well as money transfer and locker services. The company also provides transferable letters of credit, revolving letters of credit, standby letters of credit, etc.; profile, primary/final, and maritime letters of guarantee; and Musharaka, Mudaraba, Ijara/lease, Istisna'a, Murabaha, and syndication products and services. In addition, it offers mobile, SMS, and Internet banking, as well as ATM card services. The company was founded in 2004 and is headquartered in Khartoum, Sudan.

Details
Name: Al Salam Bank - Sudan
ALSALAMSUDAN
Exchange: DFM
Founded: 2004
AED179,487,000
121,275,000
Website: http://www.alsalam-bank.net
Address: Al Salam Bank - Sudan
Aljamhoria Street,
Khartoum,
Sudan
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
DFM ALSALAMSUDAN Share Capital Dubai Financial Market AE AED 30. Mar 2009
Number of employees
Current staff
Staff numbers
0
Al Salam Bank - Sudan employees.
Industry
Diversified Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2020/04/07 20:02
End of day share price update: 2020/03/24 00:00
Last earnings filing: 2020/03/31
Last earnings reported: 2019/12/31
Last annual earnings reported: 2019/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.