Bank Albilad H1 2026 profit rises 4% to SAR 1.53B; Q2 at SAR 791.6M

20/07/2026 Argaam Exclusive

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Bank Albilad reported a net profit of SAR 1.53 billion in the first half of 2026, an increase of 4% from SAR 1.47 billion in the prior year period.



Financials (Million Riyal)

Item 6m 2025 6m 2026 Change‬
Net Income from investments and financial activities 2,338.73 2,531.01 8.2 %
Operating Income 3,004.56 3,142.37 4.6 %
Total Provisions (78.21) (129.85) (66.0 %)
Net Income 1,466.15 1,527.37 4.2 %
Average Shares 1,500.00 1,500.00 -
Earnings Per Share before unusual items (Riyals) 0.98 1.02 4.2 %
EPS (Riyal) 0.98 1.02 4.2 %
EPS Diluted (Riyal) 0.98 0.96 (2.1 %)

The lender attributed the increase mainly to higher net income from investing and financing assets, higher other operating income, and increased net gains on fair value through statement of income instruments. These were partly offset by lower net fee and commission income, net foreign exchange income, and dividend income.

 

Meanwhile, net impairment charges for expected credit losses rose 25%, primarily due to higher impairment charges on financing.



Current Quarter Comparison (Million Riyal)

Compared With The
Item Q2 2025 Q2 2026 Change‬
Net Income from investments and financial activities 1,176.74 1,272.12 8.1 %
Operating Income 1,540.71 1,613.16 4.7 %
Debt Provisions (44.17) (52.87) (19.7 %)
Net Income 765.77 791.62 3.4 %
Average Shares 1,500.00 1,500.00 -
Earnings Per Share before unusual items (Riyal) 0.51 0.53 3.4 %
EPS (Riyal) 0.51 0.53 3.4 %
EPS Diluted (Riyal) 0.51 0.48 (7.6 %)

Bank Albilad’s second-quarter net profit increased 3% to SAR 791.6 million from SAR 765.77 million in Q2 2025, on an 8% increase in net income from investing and financing assets.

 

Quarter on quarter, net profit rose 7.6% from SAR 735.75 million in Q1 2026.

 

Shareholders’ equity, with no minority interest and after sukuk, reached SAR 19.45 billion by June 30, 2026, compared to SAR 18.31 billion in the prior-year period.



Balance Sheet (Billion Riyal)

Item 6m 2025 6m 2026 Change‬
Assets 161.90 186.48 15.2 %
Customer Deposits 123.93 147.19 18.8 %
Financing Investments 115.69 133.42 15.3 %

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Share Price

Bank Albilad
25.44
(0.18) (0.70 %)

Bank Albilad (ALBILAD)

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Financial Ratios
Current
Market Cap (M Riyal) 38,160.04
Shares Outstanding ((M)) 1,500.00
Recurring EPS ( Riyal) (TTM) 2.07
EPS Diluted ( Riyal) (TTM) 1.97
Book Value (BV) ( Riyal) 12.97
Par Value ( Riyal) 10.00
Recurring P/E (TTM) 12.27
P/E (TTM) 12.27
Price/book 1.96
Dividend Yield (%) (Last Year) 3.93
Return on Average Assets (%) (TTM) 1.8
Return on Average Equity (%) (TTM) 16.5
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