Bank Albilad profit rises 9% to SAR 3.05B in 2025; Q4 at SAR 816.8M

04/02/2026 Argaam Exclusive

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Bank Albilad’s net profit rose to SAR 3.04 billion in 2025, up 9% compared to SAR 2.81 billion in 2024.



Financials (M)

Item 2024 2025 Change‬
Net Income from investments and financial activities 4,433.60 4,751.50 7.2 %
Operating Income 5,671.90 6,191.90 9.2 %
Total Provisions (129.70) (181.40) (39.9 %)
Net Income 2,806.50 3,049.40 8.7 %
Average Shares 1,500.00 1,500.00 -
Earnings Per Share before unusual items (Riyals) 1.87 2.03 8.7 %
EPS (Riyal) 1.87 2.03 8.7 %
EPS Diluted (Riyal) 1.88 1.99 5.7 %

The increase in profit was driven by a 7% year-on-year (YoY) rise in net income from investment and financing assets, supported by higher returns from these assets.

 

Total operating income grew 9%, fueled by gains in net income from investment and financing assets, other operating income, net fees and commissions, net fair value gains on listed investments, and dividend income.

 

In contrast, total operating expenses, including net expected credit loss provisions, rose 10% due to higher general and administrative expenses, salaries and related costs, depreciation and amortization.

 

Additionally, net credit loss provisions increased 40%, reflecting higher provisions for financing-related credit losses.



Current Quarter Comparison (M)

Compared With The
Item Q4 2024 Q4 2025 Change‬
Net Income from investments and financial activities 1,144.30 1,218.02 6.4 %
Operating Income 1,476.50 1,652.48 11.9 %
Debt Provisions 57.70 (46.69) (180.9 %)
Net Income 789.90 816.75 3.4 %
Average Shares 1,500.00 1,500.00 -
Earnings Per Share before unusual items (Riyal) 0.53 0.54 3.4 %
EPS (Riyal) 0.53 0.54 3.4 %
EPS Diluted (Riyal) 0.53 0.49 (7.2 %)

The fourth-quarter net profit rose 3.4% to SAR 816.75 million from SAR 789.90 million in Q4 2024.

 

Sequentially, the Q4 bottom line grew by 6.6% from SAR 766.50 million in Q3 2025.

Balance Sheet (B)

Item 2024 2025 Change‬
Assets 154.96 172.97 11.6 %
Customer Deposits 121.78 132.88 9.1 %
Financing Investments 109.30 122.19 11.8 %

Bank Albilad’s net profit rose to SAR 3.04 billion in 2025, up 9% compared to SAR 2.81 billion in 2024.

 

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Share Price

Bank Albilad
26.44
(0.08) (0.30 %)

Bank Albilad (ALBILAD)

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Financial Ratios
Current
Market Cap (M Riyal) 39,660.00
Shares Outstanding ((M)) 1,500.00
EPS ( Riyal) (TTM) 2.03
EPS Diluted ( Riyal) (TTM) 1.99
Book Value (BV) ( Riyal) 12.61
Par Value ( Riyal) 10.00
Recurring P/E 13.01
P/E (TTM) 13.01
Price/book 2.10
Return on Average Assets (%) (TTM) 1.9
Return on Average Equity (%) (TTM) 17.1
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