Financial Results : Bank Albilad 9M 2025 profit rises 11% to SAR 2.2B; Q3 at SAR 766.5M

Bank Albilad 9M 2025 profit rises 11% to SAR 2.2B; Q3 at SAR 766.5M

26/10/2025 Argaam Exclusive

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Bank Albilad reported a net profit of SAR 2.2 billion in the first nine months of 2025, a jump of 11% from SAR 2 billion in the prior-year period.



Financials (M)

Item 9m 2024 9m 2025 Change‬
Net Income from investments and financial activities 3,289.29 3,533.50 7.4 %
Operating Income 4,195.37 4,539.40 8.2 %
Total Provisions (187.40) (134.70) 28.1 %
Net Income 2,016.58 2,232.60 10.7 %
Average Shares 1,500.00 1,500.00 -
Earnings Per Share before unusual items (Riyals) 1.34 1.49 10.7 %
EPS (Riyal) 1.34 1.49 10.7 %
EPS Diluted (Riyal) 1.35 1.50 10.9 %

The bank attributed the profit growth mainly to a 7% rise in net income from investment and financing assets.



Current Quarter Comparison (M)

Compared With The
Item Q3 2024 Q3 2025 Change‬
Net Income from investments and financial activities 1,159.79 1,194.70 3.0 %
Operating Income 1,446.28 1,534.90 6.1 %
Debt Provisions (53.67) (33.00) 38.5 %
Net Income 702.69 766.50 9.1 %
Average Shares 1,500.00 1,500.00 -
Earnings Per Share before unusual items (Riyal) 0.47 0.51 9.1 %
EPS (Riyal) 0.47 0.51 9.1 %
EPS Diluted (Riyal) 0.47 0.52 9.6 %

This is in addition to an 8% increase in total operating income, driven by higher fee and commission income, foreign exchange gains, and other revenues.

 

It also recorded a 28% decline in credit loss provisions due to portfolio improvement, despite a 5% rise in total operating expenses resulting from higher administrative, staff, and depreciation costs.

 

In Q3 2025, Bank Albilad’s net profit rose 9.1% to SAR 766.5 million from SAR 702.69 million in Q3 2024.
 
Net earnings edged up 0.1% from SAR 765.77 million in Q2 2025.

 

Balance Sheet (B)

Item 9m 2024 9m 2025 Change‬
Assets 153.72 167.93 9.2 %
Customer Deposits 122.34 129.02 5.5 %
Financing Investments 106.70 119.13 11.6 %

Shareholders’ equity, with no minority interest and excluding sukuk (remove extra space here), reached SAR 18.5 billion by Sept. 30, 2025, compared to SAR 16.1 billion in the prior year period.

 

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