Bank Albilad posts 38% rise in H1 2021 net profit to SAR 808.8 mln

01/08/2021 Argaam Exclusive

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Bank Albilad (ALBILAD)

Bank Albilad reported a net profit of SAR 808.8 million in the first half of 2021, up 38% from SAR 588.1 million in the prior-year period.

The profit rise was spurred by a 13% increase year-on-year (YoY) in total operating income, due to higher net income from investment and financing activities, fee and commission income, as well as other operating and dividend income.

Financials (M)

Item	6m 2020	6m 2021	Change‬
Net Income from investments and financial activities	1,590.30	1,701.25	7.0 %
Operating Income	2,003.66	2,264.02	13.0 %
Total Provisions	(353.98)	(305.85)	13.6 %
Net Income	588.10	808.84	37.5 %
Average Shares	1,250.00	1,250.00	-
EPS (Riyals)	0.47	0.65	37.5 %

In Q2 2021, net profit after Zakat and tax jumped 31% to SAR 416.1 million, compared to SAR 318.1 million a year earlier, backed by a 13% rise YoY in total operating income, due to higher net income from investment and financing activities, fee and commission income, as well as other operating and dividend income.

On a sequential basis, net profit grew by 5.9% from SAR 392.8 million.

Current Quarter Comparison (M)

Compared With The

Item	Q2 2020	Q2 2021	Change‬
Net Income from investments and financial activities	821.22	842.49	2.6 %
Operating Income	999.51	1,131.04	13.2 %
Debt Provisions	(145.92)	(136.35)	6.6 %
Net Income	318.06	416.09	30.8 %
Average Shares	1,250.00	1,250.00	-
EPS (Riyals)	0.25	0.33	30.8 %

Item	Q1 2021	Q2 2021	Change‬
Net Income from investments and financial activities	858.76	842.49	(1.9 %)
Operating Income	1,132.99	1,131.04	(0.2 %)
Debt Provisions	(169.50)	(136.35)	19.6 %
Net Income	392.75	416.09	5.9 %
Average Shares	1,250.00	1,250.00	-
EPS (Riyals)	0.31	0.33	5.9 %

Balance Sheet (B)

Item	6m 2020	6m 2021	Change‬
Assets	88.86	107.65	21.1 %
Customer Deposits	64.88	81.64	25.8 %
Financing Investments	64.92	79.13	21.9 %

Financial results (Million)

Period	Net Income from investments and financial activities	Change	Operating Income	Change	Debt Provisions	Change	Net Income	Change	EPS(Riyal)
Q1 2012	193.90	17.6 %	419.81	36.1 %	(65.74)	(28.9 %)	511.52	822.4 %	0.41
Q2 2012	205.62	15.2 %	444.52	31.5 %	(57.84)	(15.1 %)	153.45	87.9 %	0.12
Q3 2012	214.61	21.4 %	434.32	29.8 %	(86.36)	(69.6 %)	120.15	40.6 %	0.10
Q4 2012	225.38	23.2 %	438.74	11.8 %	(65.28)	34.7 %	156.69	46.4 %	0.13
2012	839.51	19.4 %	1,737.38	26.5 %	(275.22)	(9.1 %)	941.80	185.7 %	0.75
Q1 2013	221.95	14.5 %	449.81	7.1 %	(64.65)	1.7 %	142.50	(72.1 %)	0.11
Q2 2013	227.73	10.8 %	481.49	8.3 %	(44.01)	23.9 %	175.87	14.6 %	0.14
Q3 2013	246.85	15.0 %	486.78	12.1 %	(40.07)	53.6 %	197.08	64.0 %	0.16
Q4 2013	250.10	11.0 %	499.15	13.8 %	(26.55)	59.3 %	213.71	36.4 %	0.17
2013	946.62	12.8 %	1,917.23	10.4 %	(175.29)	36.3 %	729.17	(22.6 %)	0.58
Q1 2014	227.06	2.3 %	477.51	6.2 %	(4.65)	92.8 %	173.71	21.9 %	0.14
Q2 2014	258.97	13.7 %	533.99	10.9 %	(24.41)	44.5 %	204.32	16.2 %	0.16
Q3 2014	264.41	7.1 %	550.55	13.1 %	9.14	122.8 %	237.06	20.3 %	0.19
Q4 2014	268.75	7.5 %	535.01	7.2 %	27.44	203.3 %	248.94	16.5 %	0.20
2014	1,019.18	7.7 %	2,097.05	9.4 %	7.52	104.3 %	864.03	18.5 %	0.69
Q1 2015	271.92	19.8 %	555.18	16.3 %	(16.12)	(246.6 %)	174.14	0.2 %	0.14
Q2 2015	286.56	10.7 %	584.92	9.5 %	(29.13)	(19.3 %)	206.46	1.0 %	0.17
Q3 2015	293.70	11.1 %	566.39	2.9 %	(25.73)	(381.7 %)	203.44	(14.2 %)	0.16
Q4 2015	310.22	15.4 %	588.13	9.9 %	(7.72)	(128.1 %)	204.38	(17.9 %)	0.16
2015	1,162.39	14.1 %	2,294.62	9.4 %	(78.69)	(1146.7 %)	788.42	(8.8 %)	0.63
Q1 2016	333.75	22.7 %	626.99	12.9 %	(56.41)	(250.0 %)	174.52	0.2 %	0.14
Q2 2016	348.66	21.7 %	641.50	9.7 %	(53.93)	(85.1 %)	183.87	(10.9 %)	0.15
Q3 2016	361.74	23.2 %	638.56	12.7 %	(37.68)	(46.4 %)	227.81	12.0 %	0.18
Q4 2016	363.76	17.3 %	680.38	15.7 %	(43.20)	(459.8 %)	221.52	8.4 %	0.18
2016	1,407.91	21.1 %	2,587.43	12.8 %	(191.21)	(143.0 %)	807.72	2.4 %	0.65
Q1 2017	391.74	17.4 %	690.77	10.2 %	(50.41)	10.6 %	229.38	31.4 %	0.18
Q2 2017	431.50	23.8 %	721.51	12.5 %	(76.67)	(42.2 %)	238.76	29.8 %	0.19
Q3 2017	448.83	24.1 %	762.94	19.5 %	(115.98)	(207.8 %)	248.05	8.9 %	0.20
Q4 2017	466.93	28.4 %	784.35	15.3 %	(135.57)	(213.8 %)	225.86	2.0 %	0.18
2017	1,739.00	23.5 %	2,959.58	14.4 %	(378.63)	(98.0 %)	942.05	16.6 %	0.75
Q1 2018	488.24	24.6 %	790.97	14.5 %	(95.11)	(88.7 %)	246.11	7.3 %	0.20
Q2 2018	521.40	20.8 %	842.68	16.8 %	(135.25)	(76.4 %)	265.90	11.4 %	0.21
Q3 2018	552.13	23.0 %	880.25	15.4 %	(148.14)	(27.7 %)	237.02	(4.4 %)	0.19
Q4 2018	602.46	29.0 %	902.12	15.0 %	(111.95)	17.4 %	(136.32)	(160.4 %)	(0.11)
2018	2,164.23	24.5 %	3,416.02	15.4 %	(490.45)	(29.5 %)	612.71	(35.0 %)	0.49
Q1 2019	597.09	22.3 %	921.41	16.5 %	(124.83)	(31.2 %)	284.89	15.8 %	0.23
Q2 2019	693.10	32.9 %	959.24	13.8 %	(137.81)	(1.9 %)	304.91	14.7 %	0.24
Q3 2019	728.59	32.0 %	1,023.65	16.3 %	(140.75)	5.0 %	326.63	37.8 %	0.26
Q4 2019	771.12	28.0 %	1,041.04	15.4 %	(139.70)	(24.8 %)	327.15	340.0 %	0.26
2019	2,823.76	30.5 %	3,945.35	15.5 %	(543.09)	(10.7 %)	1,243.74	103.0 %	0.99
Q1 2020	769.08	28.8 %	1,004.15	9.0 %	(208.05)	(66.7 %)	270.04	(5.2 %)	0.22
Q2 2020	821.22	18.5 %	999.51	4.2 %	(145.92)	(5.9 %)	318.06	4.3 %	0.25
Q3 2020	855.52	17.4 %	1,112.62	8.7 %	(160.29)	(13.9 %)	382.61	17.1 %	0.31
Q4 2020	846.81	9.8 %	1,139.90	9.5 %	(180.25)	(29.0 %)	377.81	15.5 %	0.30
2020	3,292.63	16.6 %	4,262.05	8.0 %	(694.51)	(27.9 %)	1,348.52	8.4 %	1.08
Q1 2021	858.76	11.7 %	1,132.99	12.8 %	(169.50)	18.5 %	392.75	45.4 %	0.31
Q2 2021	842.49	2.6 %	1,131.04	13.2 %	(136.35)	6.6 %	416.09	30.8 %	0.33

Period	Net Income from investments and financial activities	Change	Operating Income	Change	Debt Provisions	Change	Net Income	Change	EPS(Riyal)
2011	702.99	12.5 %	1,373.51	25.0 %	(252.24)	(4.1 %)	329.63	257.0 %	0.26
2012	839.51	19.4 %	1,737.38	26.5 %	(275.22)	(9.1 %)	941.80	185.7 %	0.75
2013	946.62	12.8 %	1,917.23	10.4 %	(175.29)	36.3 %	729.17	(22.6 %)	0.58
2014	1,019.18	7.7 %	2,097.05	9.4 %	7.52	104.3 %	864.03	18.5 %	0.69
2015	1,162.39	14.1 %	2,294.62	9.4 %	(78.69)	(1146.7 %)	788.42	(8.8 %)	0.63
2016	1,407.91	21.1 %	2,587.43	12.8 %	(191.21)	(143.0 %)	807.72	2.4 %	0.65
2017	1,739.00	23.5 %	2,959.58	14.4 %	(378.63)	(98.0 %)	942.05	16.6 %	0.75
2018	2,164.23	24.5 %	3,416.02	15.4 %	(490.45)	(29.5 %)	612.71	(35.0 %)	0.49
2019	2,823.76	30.5 %	3,945.35	15.5 %	(543.09)	(10.7 %)	1,243.74	103.0 %	0.99
2020	3,292.63	16.6 %	4,262.05	8.0 %	(694.51)	(27.9 %)	1,348.52	8.4 %	1.08

Profitability

Period	Return On Average Assets	Return on Average Equity	Net Profit/Investment Income & Other Financing Operations
Q1 2012	3.12 %	22.13 %	104.23 %
Q2 2012	3.33 %	23.43 %	110.00 %
Q3 2012	3.41 %	23.74 %	109.21 %
Q4 2012	3.28 %	24.19 %	109.44 %
2012	3.28 %	24.19 %	109.44 %
Q1 2013	1.91 %	13.52 %	64.38 %
Q2 2013	1.91 %	13.56 %	65.20 %
Q3 2013	2.13 %	14.78 %	70.96 %
Q4 2013	2.21 %	15.40 %	74.81 %
2013	2.21 %	15.40 %	74.81 %
Q1 2014	2.16 %	15.50 %	77.30 %
Q2 2014	2.12 %	15.53 %	77.24 %
Q3 2014	2.13 %	15.67 %	79.16 %
Q4 2014	2.12 %	15.72 %	80.55 %
2014	2.12 %	15.72 %	80.55 %
Q1 2015	2.03 %	15.21 %	77.12 %
Q2 2015	1.92 %	14.99 %	75.48 %
Q3 2015	1.78 %	13.97 %	70.53 %
Q4 2015	1.63 %	12.78 %	63.64 %
2015	1.63 %	12.78 %	63.64 %
Q1 2016	1.57 %	12.52 %	58.43 %
Q2 2016	1.48 %	11.97 %	51.62 %
Q3 2016	1.50 %	12.02 %	48.25 %
Q4 2016	1.54 %	11.92 %	45.62 %
2016	1.54 %	11.92 %	45.62 %
Q1 2017	1.55 %	12.46 %	46.47 %
Q2 2017	1.61 %	13.11 %	47.26 %
Q3 2017	1.59 %	12.93 %	46.38 %
Q4 2017	1.61 %	12.82 %	44.50 %
2017	1.61 %	12.82 %	44.50 %
Q1 2018	1.56 %	12.74 %	42.90 %
Q2 2018	1.54 %	13.15 %	41.61 %
Q3 2018	1.46 %	12.56 %	38.56 %
Q4 2018	0.90 %	7.95 %	22.50 %
2018	0.90 %	7.95 %	22.50 %
Q1 2019	0.94 %	8.15 %	22.51 %
Q2 2019	0.95 %	8.35 %	22.37 %
Q3 2019	1.03 %	9.17 %	23.87 %
Q4 2019	1.56 %	14.41 %	36.28 %
2019	1.56 %	14.41 %	35.93 %
Q1 2020	1.52 %	13.79 %	34.46 %
Q2 2020	1.50 %	13.27 %	34.22 %
Q3 2020	1.50 %	13.38 %	35.54 %
Q4 2020	1.48 %	13.37 %	37.18 %
2020	1.48 %	13.37 %	37.18 %
Q1 2021	1.54 %	14.43 %	40.52 %
Q2 2021	1.60 %	14.73 %	43.19 %

Period	Return On Average Assets	Return on Average Equity	Net Profit/Investment Income & Other Financing Operations
2011	1.35 %	10.11 %	45.28 %
2012	3.28 %	24.19 %	109.44 %
2013	2.21 %	15.40 %	74.81 %
2014	2.12 %	15.72 %	80.55 %
2015	1.63 %	12.78 %	63.64 %
2016	1.54 %	11.92 %	45.62 %
2017	1.61 %	12.82 %	44.50 %
2018	0.90 %	7.95 %	22.50 %
2019	1.56 %	14.41 %	35.93 %
2020	1.48 %	13.37 %	37.18 %

Balance Sheet (B)

Period	Assets	Change	Customer Deposits	Change	Financing Investments	Change
Q1 2012	28.54	30.4 %	22.91	30.8 %	15.06	19.4 %
Q2 2012	29.06	29.4 %	23.61	36.5 %	16.21	24.6 %
Q3 2012	29.53	29.6 %	23.55	31.1 %	17.21	32.2 %
Q4 2012	29.78	7.4 %	23.74	3.1 %	18.26	32.5 %
Q1 2013	31.33	9.8 %	25.28	10.4 %	18.69	24.1 %
Q2 2013	33.35	14.8 %	26.82	13.6 %	20.31	25.3 %
Q3 2013	33.58	13.7 %	26.33	11.8 %	21.21	23.3 %
Q4 2013	36.32	22.0 %	29.11	22.6 %	23.42	28.3 %
Q1 2014	39.01	24.5 %	31.39	24.2 %	24.28	29.9 %
Q2 2014	40.98	22.9 %	33.35	24.3 %	26.76	31.7 %
Q3 2014	44.06	31.2 %	36.80	39.8 %	27.52	29.7 %
Q4 2014	45.23	24.5 %	36.72	26.2 %	28.36	21.1 %
Q1 2015	46.31	18.7 %	37.86	20.6 %	29.09	19.8 %
Q2 2015	49.14	19.9 %	38.30	14.8 %	31.68	18.4 %
Q3 2015	49.50	12.3 %	40.72	10.6 %	32.29	17.3 %
Q4 2015	51.22	13.2 %	42.18	14.9 %	34.25	20.8 %
Q1 2016	54.30	17.2 %	43.93	16.0 %	37.33	28.3 %
Q2 2016	54.33	10.5 %	42.12	10.0 %	36.93	16.6 %
Q3 2016	55.65	12.4 %	41.24	1.3 %	36.25	12.3 %
Q4 2016	53.75	4.9 %	40.23	(4.6 %)	36.18	5.6 %
Q1 2017	57.29	5.5 %	43.54	(0.9 %)	38.70	3.7 %
Q2 2017	59.73	9.9 %	44.97	6.8 %	40.66	10.1 %
Q3 2017	62.53	12.4 %	46.40	12.5 %	41.81	15.4 %
Q4 2017	63.21	17.6 %	47.78	18.8 %	43.45	20.1 %
Q1 2018	65.78	14.8 %	50.77	16.6 %	45.62	17.9 %
Q2 2018	68.41	14.5 %	52.18	16.0 %	47.34	16.4 %
Q3 2018	70.71	13.1 %	54.57	17.6 %	49.74	18.9 %
Q4 2018	73.64	16.5 %	57.18	19.7 %	50.59	16.4 %
Q1 2019	72.90	10.8 %	57.59	13.4 %	51.40	12.7 %
Q2 2019	76.97	12.5 %	59.32	13.7 %	53.62	13.3 %
Q3 2019	81.16	14.8 %	64.06	17.4 %	56.40	13.4 %
Q4 2019	86.00	16.8 %	67.11	17.4 %	59.29	17.2 %
Q1 2020	88.40	21.3 %	68.38	18.7 %	62.46	21.5 %
Q2 2020	88.86	15.5 %	64.88	9.4 %	64.92	21.1 %
Q3 2020	92.31	13.7 %	68.88	7.5 %	67.76	20.2 %
Q4 2020	95.75	11.3 %	71.55	6.6 %	70.11	18.3 %
Q1 2021	102.52	16.0 %	76.96	12.6 %	75.53	20.9 %
Q2 2021	107.65	21.2 %	81.64	25.8 %	79.13	21.9 %

Period	Assets	Change	Customer Deposits	Change	Financing Investments	Change
3m 2012	28.54	30.4 %	22.91	30.8 %	15.06	19.4 %
6m 2012	29.06	29.4 %	23.61	36.5 %	16.21	24.6 %
9m 2012	29.53	29.6 %	23.55	31.1 %	17.21	32.2 %
12m 2012	29.78	7.4 %	23.74	3.1 %	18.26	32.5 %
3m 2013	31.33	9.8 %	25.28	10.4 %	18.69	24.1 %
6m 2013	33.35	14.8 %	26.82	13.6 %	20.31	25.3 %
9m 2013	33.58	13.7 %	26.33	11.8 %	21.21	23.3 %
12m 2013	36.32	22.0 %	29.11	22.6 %	23.42	28.3 %
3m 2014	39.01	24.5 %	31.39	24.2 %	24.28	29.9 %
6m 2014	40.98	22.9 %	33.35	24.3 %	26.76	31.7 %
9m 2014	44.06	31.2 %	36.80	39.8 %	27.52	29.7 %
12m 2014	45.23	24.5 %	36.72	26.2 %	28.36	21.1 %
3m 2015	46.31	18.7 %	37.86	20.6 %	29.09	19.8 %
6m 2015	49.14	19.9 %	38.30	14.8 %	31.68	18.4 %
9m 2015	49.50	12.3 %	40.72	10.6 %	32.29	17.3 %
12m 2015	51.22	13.2 %	42.18	14.9 %	34.25	20.8 %
3m 2016	54.30	17.2 %	43.93	16.0 %	37.33	28.3 %
6m 2016	54.33	10.5 %	42.12	10.0 %	36.93	16.6 %
9m 2016	55.65	12.4 %	41.24	1.3 %	36.25	12.3 %
12m 2016	53.75	4.9 %	40.23	(4.6 %)	36.18	5.6 %
3m 2017	57.29	5.5 %	43.54	(0.9 %)	38.70	3.7 %
6m 2017	59.73	9.9 %	44.97	6.8 %	40.66	10.1 %
9m 2017	62.53	12.4 %	46.40	12.5 %	41.81	15.4 %
12m 2017	63.21	17.6 %	47.78	18.8 %	43.45	20.1 %
3m 2018	65.78	14.8 %	50.77	16.6 %	45.62	17.9 %
6m 2018	68.41	14.5 %	52.18	16.0 %	47.34	16.4 %
9m 2018	70.71	13.1 %	54.57	17.6 %	49.74	18.9 %
12m 2018	73.64	16.5 %	57.18	19.7 %	50.59	16.4 %
3m 2019	72.90	10.8 %	57.59	13.4 %	51.40	12.7 %
6m 2019	76.97	12.5 %	59.32	13.7 %	53.62	13.3 %
9m 2019	81.16	14.8 %	64.06	17.4 %	56.40	13.4 %
12m 2019	86.00	16.8 %	67.11	17.4 %	59.29	17.2 %
3m 2020	88.40	21.3 %	68.38	18.7 %	62.46	21.5 %
6m 2020	88.86	15.5 %	64.88	9.4 %	64.92	21.1 %
9m 2020	92.31	13.7 %	68.88	7.5 %	67.76	20.2 %
12m 2020	95.75	11.3 %	71.55	6.6 %	70.11	18.3 %
3m 2021	102.52	16.0 %	76.96	12.6 %	75.53	20.9 %
6m 2021	107.65	21.2 %	81.64	25.8 %	79.13	21.9 %

Period	Assets	Change	Customer Deposits	Change	Financing Investments	Change
2011	27.73	31.3 %	23.04	36.1 %	13.78	12.1 %
2012	29.78	7.4 %	23.74	3.1 %	18.26	32.5 %
2013	36.32	22.0 %	29.11	22.6 %	23.42	28.3 %
2014	45.23	24.5 %	36.72	26.2 %	28.36	21.1 %
2015	51.22	13.2 %	42.18	14.9 %	34.25	20.8 %
2016	53.75	4.9 %	40.23	(4.6 %)	36.18	5.6 %
2017	63.21	17.6 %	47.78	18.8 %	43.45	20.1 %
2018	73.64	16.5 %	57.18	19.7 %	50.59	16.4 %
2019	86.00	16.8 %	67.11	17.4 %	59.29	17.2 %
2020	95.75	11.3 %	71.55	6.6 %	70.11	18.3 %

Ratios

Period	Customer Deposits Per Total Assets	Financing Investments/Customer Deposits	Financing Investments/Total Assets
Q1 2012	80.27 %	65.75 %	52.78 %
Q2 2012	81.26 %	68.65 %	55.78 %
Q3 2012	79.74 %	73.08 %	58.28 %
Q4 2012	79.73 %	76.89 %	61.31 %
Q1 2013	80.70 %	73.92 %	59.65 %
Q2 2013	80.44 %	75.72 %	60.91 %
Q3 2013	78.40 %	80.57 %	63.17 %
Q4 2013	80.14 %	80.44 %	64.46 %
Q1 2014	80.47 %	77.34 %	62.23 %
Q2 2014	81.40 %	80.22 %	65.29 %
Q3 2014	83.53 %	74.78 %	62.46 %
Q4 2014	81.19 %	77.21 %	62.69 %
Q1 2015	81.74 %	76.84 %	62.81 %
Q2 2015	77.94 %	82.72 %	64.47 %
Q3 2015	82.26 %	79.30 %	65.24 %
Q4 2015	82.35 %	81.21 %	66.88 %
Q1 2016	80.90 %	84.98 %	68.75 %
Q2 2016	77.53 %	87.68 %	67.98 %
Q3 2016	74.12 %	87.88 %	65.14 %
Q4 2016	74.86 %	89.92 %	67.31 %
Q1 2017	76.00 %	88.89 %	67.55 %
Q2 2017	75.29 %	90.42 %	68.08 %
Q3 2017	74.20 %	90.12 %	66.87 %
Q4 2017	75.60 %	90.93 %	68.74 %
Q1 2018	77.19 %	89.84 %	69.35 %
Q2 2018	76.28 %	90.73 %	69.20 %
Q3 2018	77.18 %	91.14 %	70.34 %
Q4 2018	77.65 %	88.48 %	68.70 %
Q1 2019	79.00 %	89.26 %	70.51 %
Q2 2019	77.07 %	90.40 %	69.67 %
Q3 2019	78.92 %	88.04 %	69.49 %
Q4 2019	78.03 %	88.35 %	68.94 %
Q1 2020	77.35 %	91.35 %	70.66 %
Q2 2020	73.01 %	100.07 %	73.06 %
Q3 2020	74.62 %	98.37 %	73.41 %
Q4 2020	74.73 %	97.99 %	73.22 %
Q1 2021	75.07 %	98.14 %	73.68 %
Q2 2021	75.84 %	96.93 %	73.51 %

Period	Customer Deposits Per Total Assets	Financing Investments/Customer Deposits	Financing Investments/Total Assets
2011	83.09 %	59.81 %	49.70 %
2012	79.73 %	76.89 %	61.31 %
2013	80.14 %	80.44 %	64.46 %
2014	81.19 %	77.21 %	62.69 %
2015	82.35 %	81.21 %	66.88 %
2016	74.86 %	89.92 %	67.31 %
2017	75.60 %	90.93 %	68.74 %
2018	77.65 %	88.48 %	68.70 %
2019	78.03 %	88.35 %	68.94 %
2020	74.73 %	97.99 %	73.22 %

Per Share Data (Riyal)

Compared With The

Period	Shares Outstanding (M)	EPS (Riyal)	Adjusted EPS (Riyal)	EPS Diluted (Riyal)	Book Value (BV)
Q1 2012	1,250.00	0.63	0.33	-	3.16
Q2 2012	1,250.00	0.69	0.39	-	3.27
Q3 2012	1,250.00	0.71	0.42	-	3.37
Q4 2012	1,250.00	0.75	0.45	-	3.50
Q1 2013	1,250.00	0.46	0.46	-	3.62
Q2 2013	1,250.00	0.48	0.48	-	3.75
Q3 2013	1,250.00	0.54	0.54	-	3.91
Q4 2013	1,250.00	0.58	0.58	-	4.08
Q1 2014	1,250.00	0.61	0.61	-	4.23
Q2 2014	1,250.00	0.63	0.63	-	4.38
Q3 2014	1,250.00	0.66	0.66	-	4.55
Q4 2014	1,250.00	0.69	0.69	-	4.71
Q1 2015	1,250.00	0.69	0.69	-	4.86
Q2 2015	1,250.00	0.69	0.69	-	4.87
Q3 2015	1,250.00	0.67	0.67	-	4.98
Q4 2015	1,250.00	0.63	0.63	-	5.15
Q1 2016	1,250.00	0.63	0.63	-	5.22
Q2 2016	1,250.00	0.61	0.61	-	5.37
Q3 2016	1,250.00	0.63	0.63	-	5.54
Q4 2016	1,250.00	0.65	0.65	-	5.69
Q1 2017	1,250.00	0.69	0.69	-	5.86
Q2 2017	1,250.00	0.73	0.73	-	5.83
Q3 2017	1,250.00	0.75	0.75	-	6.06
Q4 2017	1,250.00	0.75	0.75	-	6.07
Q1 2018	1,250.00	0.77	0.77	-	6.18
Q2 2018	1,250.00	0.79	0.79	-	6.17
Q3 2018	1,250.00	0.78	0.78	-	6.35
Q4 2018	1,250.00	0.49	0.80	-	6.27
Q1 2019	1,250.00	0.52	0.84	-	6.62
Q2 2019	1,250.00	0.55	0.87	-	7.06
Q3 2019	1,250.00	0.62	0.94	-	7.26
Q4 2019	1,250.00	0.99	0.99	-	7.54
Q1 2020	1,250.00	0.98	0.98	-	7.64
Q2 2020	1,250.00	0.99	0.99	-	7.91
Q3 2020	1,250.00	1.04	1.04	-	8.26
Q4 2020	1,250.00	1.08	1.08	-	8.59
Q1 2021	1,250.00	1.18	1.18	-	8.67
Q2 2021	1,250.00	1.26	1.26	-	9.13

Period	Shares Outstanding (M)	EPS (Riyal)	Adjusted EPS (Riyal)	EPS Diluted (Riyal)	Book Value (BV)
2011	1,250.00	0.26	0.26	-	2.73
2012	1,250.00	0.75	0.45	-	3.50
2013	1,250.00	0.58	0.58	-	4.08
2014	1,250.00	0.69	0.69	-	4.71
2015	1,250.00	0.63	0.63	-	5.15
2016	1,250.00	0.65	0.65	-	5.69
2017	1,250.00	0.75	0.75	-	6.07
2018	1,250.00	0.49	0.80	-	6.27
2019	1,250.00	0.99	0.99	-	7.54
2020	1,250.00	1.08	1.08	-	8.59

Multiple Ratios (End of Period Price)

Compared With The

Period	P/E	Adjusted P/E	Price/book
Q1 2012	10.91	20.78	2.17
Q2 2012	9.37	16.59	1.96
Q3 2012	9.51	16.35	2.01
Q4 2012	9.04	14.97	1.95
Q1 2013	17.48	17.48	2.21
Q2 2013	17.08	17.08	2.17
Q3 2013	18.87	18.87	2.60
Q4 2013	19.21	19.21	2.75
Q1 2014	22.42	22.42	3.23
Q2 2014	22.67	22.67	3.27
Q3 2014	26.68	26.68	3.89
Q4 2014	20.66	20.66	3.03
Q1 2015	21.26	21.26	3.02
Q2 2015	22.08	22.08	3.14
Q3 2015	14.73	14.73	1.97
Q4 2015	15.62	15.62	1.91
Q1 2016	14.70	14.70	1.78
Q2 2016	14.21	14.21	1.62
Q3 2016	11.49	11.49	1.31
Q4 2016	15.31	15.31	1.74
Q1 2017	12.78	12.78	1.50
Q2 2017	12.45	12.45	1.57
Q3 2017	12.35	12.35	1.53
Q4 2017	13.05	13.05	1.62
Q1 2018	14.27	14.27	1.77
Q2 2018	14.27	14.27	1.82
Q3 2018	15.25	15.25	1.87
Q4 2018	26.71	16.28	2.09
Q1 2019	27.52	17.17	2.17
Q2 2019	29.68	18.92	2.32
Q3 2019	25.50	16.96	2.19
Q4 2019	16.24	16.24	2.14
Q1 2020	12.49	12.49	1.61
Q2 2020	13.37	13.37	1.68
Q3 2020	13.96	13.96	1.75
Q4 2020	15.78	15.78	1.98
Q1 2021	17.96	17.96	2.44
Q2 2021	17.56	17.56	2.41

Period	P/E	Adjusted P/E	Price/book
2011	18.13	18.13	1.75
2012	9.04	14.97	1.95
2013	19.21	19.21	2.75
2014	20.66	20.66	3.03
2015	15.62	15.62	1.91
2016	15.31	15.31	1.74
2017	13.05	13.05	1.62
2018	26.71	16.28	2.09
2019	16.24	16.24	2.14
2020	15.78	15.78	1.98

Business Segments (Million)

Compared With The

Period	Retail	Corporate and Institutional Banking	Global markets and Treasury	Investment Banking and Brokerage	Others..	Remittances ( Enjaz Centers)
Q1 2012	241.11	118.81	30.91	18.52	10.46	-
Q2 2012	261.73	119.22	32.57	18.17	12.83	-
Q3 2012	254.41	124.91	30.06	14.59	10.35	-
Q4 2012	243.68	136.57	31.71	11.83	14.95	-
Q1 2013	257.22	135.34	27.66	14.33	15.26	-
Q2 2013	264.54	134.89	28.33	23.60	30.13	-
Q3 2013	269.28	152.66	30.52	13.20	21.11	-
Q4 2013	269.04	154.16	32.37	15.55	28.03	-
Q1 2014	274.17	129.83	34.19	17.18	22.14	-
Q2 2014	283.90	162.80	33.34	21.15	32.81	-
Q3 2014	286.30	168.17	33.43	23.51	39.13	-
Q4 2014	291.45	175.40	37.14	17.37	13.65	-
Q1 2015	297.14	174.28	40.34	20.20	23.22	-
Q2 2015	320.04	179.49	40.35	19.74	25.31	-
Q3 2015	309.89	184.09	43.80	14.69	13.92	-
Q4 2015	320.79	195.70	37.65	19.96	14.03	-
Q1 2016	325.02	199.98	57.52	19.95	24.53	-
Q2 2016	325.63	196.32	65.10	17.66	36.80	-
Q3 2016	322.86	194.82	62.14	20.17	38.57	-
Q4 2016	320.78	204.70	67.19	35.17	52.54	-
Q1 2017	373.21	208.07	46.09	23.84	39.56	-
Q2 2017	389.03	231.87	50.14	23.39	27.15	-
Q3 2017	403.93	239.47	58.53	31.11	29.99	-
Q4 2017	407.18	254.39	92.68	27.28	2.67	-
Q1 2018	444.39	220.57	98.48	27.54	-	-
Q2 2018	501.84	237.48	76.77	26.59	-	-
Q3 2018	450.55	236.16	130.40	63.14	-	-
Q4 2018	499.72	268.64	84.16	49.59	-	-
Q1 2019	549.39	245.51	84.22	42.29	-	-
Q2 2019	553.05	258.59	117.55	30.07	-	-
Q3 2019	606.26	251.55	117.39	48.45	-	-
Q4 2019	573.12	301.39	107.44	59.10	-	-
Q1 2020	628.34	253.41	71.72	50.69	-	-
Q2 2020	623.10	239.28	108.84	28.28	-	-
Q3 2020	704.29	237.06	129.94	47.20	-	-
Q4 2020	659.21	274.76	150.74	55.19	-	-
Q1 2021	742.32	213.15	123.35	54.16	-	-
Q2 2021	736.02	185.65	143.29	66.07	-	-

Period	Retail	Corporate and Institutional Banking	Global markets and Treasury	Investment Banking and Brokerage	Others..	Remittances ( Enjaz Centers)
2011	795.76	408.16	93.19	42.94	33.46	-
2012	1,000.92	499.50	125.26	63.12	48.59	-
2013	1,060.09	577.05	118.89	66.67	94.54	-
2014	1,135.83	636.19	138.09	79.21	107.73	-
2015	1,247.86	733.56	162.13	74.60	76.48	-
2016	1,294.29	795.81	251.96	92.95	152.43	-
2017	1,573.35	933.80	247.44	105.61	99.38	-
2018	1,896.50	962.86	389.80	166.86	-	-
2019	2,281.82	1,057.03	426.59	179.91	-	-
2020	2,614.93	1,004.52	461.24	181.36	-	-

Analysts Estimates (Million)

Item	Q2 2021 (e)	Q2 2021 (a)	Change‬
Average	416.90	416.09	(0.2 %)

Estimates vs Actual (Million)

Item	Q2 2021 (e)	Q2 2021 (a)	Change
AlJazira Capital	419.60	416.09	(0.8) %
SNB Capital	420.00	416.09	(0.9) %
FAB Securities	407.00	416.09	2.2 %
OSOOL AND BAKHEET	400.90	416.09	3.8 %
Riyad Capital	437.00	416.09	(4.8) %

Financial Ratios

	Current
Market Cap (M)	41,875.00
Shares Outstanding ((M))	1,250.00
EPS ( Riyal) (TTM)	1.96
EPS Diluted ( Riyal) (TTM)	1.97
Book Value (BV) ( Riyal)	12.56
Par Value ( Riyal)	10.00
Adjusted P/E (Last12)	17.08
P/E (TTM)	17.08
Price/book	2.67
Return on Average Assets (%) (TTM)	1.8
Return on Average Equity (%) (TTM)	16.5

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Bank Albilad posts 38% rise in H1 2021 net profit to SAR 808.8 mln

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Bank Albilad posts 38% rise in H1 2021 net profit to SAR 808.8 mln

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Share Price

Bank Albilad (ALBILAD)

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Current Quarter Comparison (M)

Balance Sheet (B)

Financial results (Million)

Financial results (Million)

Profitability

Profitability

Balance Sheet (B)

Balance Sheet Performance (B)

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Per Share Data (Riyal)

Per Share Data (Riyal)

Multiple Ratios (End of Period Price)

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Financial Ratios

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