Bank Albilad’s Q1 2026 earnings up 5% to SAR 735.8M

Bank Albilad reported a net profit of SAR 735.8 million in Q1 2026, up 5% from SAR 700.4 million in the prior year period.

Current Quarter Comparison (M)

Compared With The

Item	Q1 2025	Q1 2026	Change‬
Net Income from investments and financial activities	1,162.00	1,258.89	8.3 %
Operating Income	1,463.85	1,529.21	4.5 %
Debt Provisions	(34.03)	(76.98)	(126.2 %)
Net Income	700.38	735.75	5.0 %
Average Shares	1,500.00	1,500.00	-
Earnings Per Share before unusual items (Riyal)	0.47	0.49	5.0 %
EPS (Riyal)	0.47	0.49	5.0 %
EPS Diluted (Riyal)	0.47	0.49	4.1 %

Item	Q4 2025	Q1 2026	Change‬
Net Income from investments and financial activities	1,218.04	1,258.89	3.4 %
Operating Income	1,652.48	1,529.21	(7.5 %)
Debt Provisions	(73.78)	(76.98)	(4.3 %)
Net Income	816.71	735.75	(9.9 %)
Average Shares	1,500.00	1,500.00	-
Earnings Per Share before unusual items (Riyal)	0.54	0.49	(9.9 %)
EPS (Riyal)	0.54	0.49	(9.9 %)
EPS Diluted (Riyal)	0.50	0.49	(1.4 %)

The positive performance was supported by an 8% increase in net income from investing and financing assets. However, the return on deposits and financial liabilities increased by 10%.

Additionally, operating income rose by 4%, which is mainly due to the increase in net income from investing and financing assets and net gain on fair value through statement of income (FVSI) investments. However, net exchange, fee and commission, dividend, and other operating income declined.

Meanwhile, total operating expenses increased by 4%, mainly on higher net impairment charge for expected credit losses, depreciation and amortization, salaries and employees-related benefits and other general and administrative expenses.

Balance Sheet (B)

Item	3m 2025	3m 2026	Change‬
Assets	159.10	179.96	13.1 %
Customer Deposits	124.02	140.29	13.1 %
Financing Investments	112.43	129.80	15.4 %

On quarterly basis, the bank’s profit declined 9.9% from SAR 816.71 million.

Total shareholders’ equity, excluding minority interest and sukuk, stood at SAR 19.34 billion by March 31, 2026, compared to SAR 17.59 billion in the year earlier period.

View More Financial Results

View other reports

Share Price

Bank Albilad (ALBILAD)

	Current
Market Cap (M Riyal)	36,810.04
Shares Outstanding ((M))	1,500.00
EPS ( Riyal) (TTM)	2.06
EPS Diluted ( Riyal) (TTM)	2.01
Book Value (BV) ( Riyal)	12.90
Par Value ( Riyal)	10.00
Recurring P/E	11.93
P/E (TTM)	11.93
Price/book	1.90
Return on Average Assets (%) (TTM)	1.8
Return on Average Equity (%) (TTM)	16.7

Period	Net Income from investments and financial activities	Change	Operating Income	Change	Debt Provisions	Change
Q1 2017	391.74	17.4 %	690.77	10.2 %	(50.41)	10.6 %
Q2 2017	431.50	23.8 %	721.51	12.5 %	(76.67)	(42.2 %)
Q3 2017	448.83	24.1 %	762.94	19.5 %	(115.98)	(207.8 %)
Q4 2017	466.93	28.4 %	784.35	15.3 %	(135.57)	(213.8 %)
2017	1,739.00	23.5 %	2,959.58	14.4 %	(378.63)	(98.0 %)
Q1 2018	488.24	24.6 %	790.97	14.5 %	(95.11)	(88.7 %)
Q2 2018	521.40	20.8 %	842.68	16.8 %	(135.25)	(76.4 %)
Q3 2018	552.13	23.0 %	880.25	15.4 %	(148.14)	(27.7 %)
Q4 2018	602.46	29.0 %	902.12	15.0 %	(111.95)	17.4 %
2018	2,164.23	24.5 %	3,416.02	15.4 %	(490.45)	(29.5 %)
Q1 2019	597.09	22.3 %	921.41	16.5 %	(124.83)	(31.2 %)
Q2 2019	693.10	32.9 %	959.24	13.8 %	(137.81)	(1.9 %)
Q3 2019	728.59	32.0 %	1,023.65	16.3 %	(140.75)	5.0 %
Q4 2019	771.12	28.0 %	1,041.04	15.4 %	(139.70)	(24.8 %)
2019	2,823.76	30.5 %	3,945.35	15.5 %	(543.09)	(10.7 %)
Q1 2020	769.08	28.8 %	1,004.15	9.0 %	(208.05)	(66.7 %)
Q2 2020	821.22	18.5 %	999.51	4.2 %	(145.92)	(5.9 %)
Q3 2020	855.52	17.4 %	1,112.62	8.7 %	(160.29)	(13.9 %)
Q4 2020	846.81	9.8 %	1,139.90	9.5 %	(180.25)	(29.0 %)
2020	3,292.63	16.6 %	4,262.05	8.0 %	(694.51)	(27.9 %)
Q1 2021	858.76	11.7 %	1,132.99	12.8 %	(169.50)	18.5 %
Q2 2021	842.49	2.6 %	1,131.04	13.2 %	(136.35)	6.6 %
Q3 2021	886.75	3.7 %	1,174.47	5.6 %	(142.50)	11.1 %
Q4 2021	901.49	6.5 %	1,146.81	0.6 %	(126.21)	30.0 %
2021	3,489.49	6.0 %	4,583.95	7.6 %	(555.19)	20.1 %
Q1 2022	944.46	10.0 %	1,264.51	11.6 %	(144.29)	14.9 %
Q2 2022	956.66	13.6 %	1,252.76	10.8 %	(90.47)	33.6 %
Q3 2022	1,003.38	13.2 %	1,325.49	12.9 %	(153.17)	(7.5 %)
Q4 2022	982.17	8.9 %	1,348.67	17.6 %	(142.52)	(12.9 %)
2022	3,886.67	11.4 %	5,191.43	13.3 %	(530.45)	4.5 %
Q1 2023	1,037.44	9.8 %	1,335.61	5.6 %	(127.80)	11.4 %
Q2 2023	1,016.09	6.2 %	1,294.05	3.3 %	(59.30)	34.4 %
Q3 2023	1,051.99	4.8 %	1,335.84	0.8 %	(95.46)	37.7 %
Q4 2023	1,004.32	2.3 %	1,337.30	(0.8 %)	(57.55)	59.6 %
2023	4,109.84	5.7 %	5,302.79	2.1 %	(340.11)	35.9 %
Q1 2024	1,044.73	0.7 %	1,341.35	0.4 %	(40.35)	68.4 %
Q2 2024	1,084.77	6.8 %	1,407.74	8.8 %	(92.89)	(56.6 %)
Q3 2024	1,159.79	10.2 %	1,446.28	8.3 %	(65.16)	31.7 %
Q4 2024	1,144.32	13.9 %	1,476.51	10.4 %	78.45	236.3 %
2024	4,433.60	7.9 %	5,671.88	7.0 %	(119.94)	64.7 %
Q1 2025	1,162.00	11.2 %	1,463.85	9.1 %	(34.03)	15.7 %
Q2 2025	1,176.74	8.5 %	1,540.71	9.4 %	(44.17)	52.4 %
Q3 2025	1,194.75	3.0 %	1,534.86	6.1 %	(46.80)	28.2 %
Q4 2025	1,218.04	6.4 %	1,652.48	11.9 %	(73.78)	(194.0 %)
2025	4,751.52	7.2 %	6,191.90	9.2 %	(198.78)	(65.7 %)
Q1 2026	1,258.89	8.3 %	1,529.21	4.5 %	(76.98)	(126.2 %)

Period	Net Income from investments and financial activities	Change	Operating Income	Change	Debt Provisions	Change
2016	1,407.91	21.1 %	2,587.43	12.8 %	(191.21)	(143.0 %)
2017	1,739.00	23.5 %	2,959.58	14.4 %	(378.63)	(98.0 %)
2018	2,164.23	24.5 %	3,416.02	15.4 %	(490.45)	(29.5 %)
2019	2,823.76	30.5 %	3,945.35	15.5 %	(543.09)	(10.7 %)
2020	3,292.63	16.6 %	4,262.05	8.0 %	(694.51)	(27.9 %)
2021	3,489.49	6.0 %	4,583.95	7.6 %	(555.19)	20.1 %
2022	3,886.67	11.4 %	5,191.43	13.3 %	(530.45)	4.5 %
2023	4,109.84	5.7 %	5,302.79	2.1 %	(340.11)	35.9 %
2024	4,433.60	7.9 %	5,671.88	7.0 %	(119.94)	64.7 %
2025	4,751.52	7.2 %	6,191.90	9.2 %	(198.78)	(65.7 %)

Profit Performance (Million)

Period	Net Income	Change	EPS(Riyal)	Extraordinary Income/Expense	Net Profit Before Unusual Items	EPS(Riyal)
Q1 2017	229.38	31.4 %	0.15	-	229.38	0.15
Q2 2017	238.76	29.8 %	0.16	-	238.76	0.16
Q3 2017	248.05	8.9 %	0.17	-	248.05	0.17
Q4 2017	225.86	2.0 %	0.15	-	225.86	0.15
2017	942.05	16.6 %	0.63	-	942.05	0.63
Q1 2018	246.11	7.3 %	0.16	-	246.11	0.16
Q2 2018	265.90	11.4 %	0.18	-	265.90	0.18
Q3 2018	237.02	(4.4 %)	0.16	-	237.02	0.16
Q4 2018	(136.32)	(160.4 %)	(0.09)	(392.80)	256.48	0.17
2018	612.71	(35.0 %)	0.41	(392.80)	1,005.51	0.67
Q1 2019	284.89	15.8 %	0.19	-	284.89	0.19
Q2 2019	304.91	14.7 %	0.20	-	304.91	0.20
Q3 2019	326.63	37.8 %	0.22	-	326.63	0.22
Q4 2019	327.15	340.0 %	0.22	-	327.15	0.22
2019	1,243.74	103.0 %	0.83	-	1,243.74	0.83
Q1 2020	270.04	(5.2 %)	0.18	-	270.04	0.18
Q2 2020	318.06	4.3 %	0.21	-	318.06	0.21
Q3 2020	382.61	17.1 %	0.26	-	382.61	0.26
Q4 2020	377.81	15.5 %	0.25	-	377.81	0.25
2020	1,348.52	8.4 %	0.90	-	1,348.52	0.90
Q1 2021	392.75	45.4 %	0.26	-	392.75	0.26
Q2 2021	416.09	30.8 %	0.28	-	416.09	0.28
Q3 2021	449.70	17.5 %	0.30	-	449.70	0.30
Q4 2021	418.22	10.7 %	0.28	-	418.22	0.28
2021	1,686.54	25.1 %	1.12	-	1,686.54	1.12
Q1 2022	490.31	24.8 %	0.33	-	490.31	0.33
Q2 2022	510.98	22.8 %	0.34	-	510.98	0.34
Q3 2022	540.65	20.2 %	0.36	-	540.65	0.36
Q4 2022	539.75	29.1 %	0.36	-	539.75	0.36
2022	2,081.69	23.4 %	1.39	-	2,081.69	1.39
Q1 2023	559.90	14.2 %	0.37	-	559.90	0.37
Q2 2023	585.90	14.7 %	0.39	-	585.90	0.39
Q3 2023	616.17	14.0 %	0.41	-	616.17	0.41
Q4 2023	606.97	12.5 %	0.40	-	606.97	0.40
2023	2,368.94	13.8 %	1.58	-	2,368.94	1.58
Q1 2024	643.05	14.9 %	0.43	-	643.05	0.43
Q2 2024	670.85	14.5 %	0.45	-	670.85	0.45
Q3 2024	702.69	14.0 %	0.47	-	702.69	0.47
Q4 2024	789.95	30.1 %	0.53	-	789.95	0.53
2024	2,806.53	18.5 %	1.87	-	2,806.53	1.87
Q1 2025	700.38	8.9 %	0.47	-	700.38	0.47
Q2 2025	765.77	14.1 %	0.51	-	765.77	0.51
Q3 2025	766.50	9.1 %	0.51	-	766.50	0.51
Q4 2025	816.71	3.4 %	0.54	-	816.71	0.54
2025	3,049.35	8.7 %	2.03	-	3,049.35	2.03
Q1 2026	735.75	5.0 %	0.49	-	735.75	0.49

Period	Net Income	Change	EPS(Riyal)	Extraordinary Income/Expense	Net Profit Before Unusual Items	EPS(Riyal)
2016	807.72	2.4 %	0.54	-	807.72	0.54
2017	942.05	16.6 %	0.63	-	942.05	0.63
2018	612.71	(35.0 %)	0.41	(392.80)	1,005.51	0.67
2019	1,243.74	103.0 %	0.83	-	1,243.74	0.83
2020	1,348.52	8.4 %	0.90	-	1,348.52	0.90
2021	1,686.54	25.1 %	1.12	-	1,686.54	1.12
2022	2,081.69	23.4 %	1.39	-	2,081.69	1.39
2023	2,368.94	13.8 %	1.58	-	2,368.94	1.58
2024	2,806.53	18.5 %	1.87	-	2,806.53	1.87
2025	3,049.35	8.7 %	2.03	-	3,049.35	2.03

Balance Sheet (B)

Period	Assets	Change	Customer Deposits	Change	Financing Investments	Change
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 %
Q3 2021	111.61	20.9 %	82.35	19.5 %	81.80	20.7 %
Q4 2021	110.85	15.8 %	81.11	13.4 %	82.93	18.3 %
Q1 2022	116.44	13.6 %	86.08	11.8 %	86.39	14.4 %
Q2 2022	121.51	12.9 %	89.11	9.2 %	91.21	15.3 %
Q3 2022	127.02	13.8 %	93.89	14.0 %	92.29	12.8 %
Q4 2022	129.54	16.9 %	94.84	16.9 %	91.18	9.9 %
Q1 2023	135.37	16.3 %	105.48	22.5 %	95.48	10.5 %
Q2 2023	135.40	11.4 %	106.29	19.3 %	98.85	8.4 %
Q3 2023	137.57	8.3 %	108.92	16.0 %	101.60	10.1 %
Q4 2023	143.11	10.5 %	112.83	19.0 %	102.08	12.0 %
Q1 2024	143.70	6.2 %	113.74	7.8 %	103.31	8.2 %
Q2 2024	145.29	7.3 %	114.53	7.8 %	104.31	5.5 %
Q3 2024	153.72	11.7 %	122.34	12.3 %	106.70	5.0 %
Q4 2024	154.96	8.3 %	121.78	7.9 %	109.30	7.1 %
Q1 2025	159.10	10.7 %	124.02	9.0 %	112.43	8.8 %
Q2 2025	161.90	11.4 %	123.93	8.2 %	115.69	10.9 %
Q3 2025	167.93	9.2 %	129.02	5.5 %	119.13	11.7 %
Q4 2025	172.97	11.6 %	132.88	9.1 %	122.19	11.8 %
Q1 2026	179.96	13.1 %	140.29	13.1 %	129.80	15.5 %

Period	Assets	Change	Customer Deposits	Change	Financing Investments	Change
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 %
9m 2021	111.61	20.9 %	82.35	19.5 %	81.80	20.7 %
12m 2021	110.85	15.8 %	81.11	13.4 %	82.93	18.3 %
3m 2022	116.44	13.6 %	86.08	11.8 %	86.39	14.4 %
6m 2022	121.51	12.9 %	89.11	9.2 %	91.21	15.3 %
9m 2022	127.02	13.8 %	93.89	14.0 %	92.29	12.8 %
12m 2022	129.54	16.9 %	94.84	16.9 %	91.18	9.9 %
3m 2023	135.37	16.3 %	105.48	22.5 %	95.48	10.5 %
6m 2023	135.40	11.4 %	106.29	19.3 %	98.85	8.4 %
9m 2023	137.57	8.3 %	108.92	16.0 %	101.60	10.1 %
12m 2023	143.11	10.5 %	112.83	19.0 %	102.08	12.0 %
3m 2024	143.70	6.2 %	113.74	7.8 %	103.31	8.2 %
6m 2024	145.29	7.3 %	114.53	7.8 %	104.31	5.5 %
9m 2024	153.72	11.7 %	122.34	12.3 %	106.70	5.0 %
12m 2024	154.96	8.3 %	121.78	7.9 %	109.30	7.1 %
3m 2025	159.10	10.7 %	124.02	9.0 %	112.43	8.8 %
6m 2025	161.90	11.4 %	123.93	8.2 %	115.69	10.9 %
9m 2025	167.93	9.2 %	129.02	5.5 %	119.13	11.7 %
12m 2025	172.97	11.6 %	132.88	9.1 %	122.19	11.8 %
3m 2026	179.96	13.1 %	140.29	13.1 %	129.80	15.5 %

Period	Assets	Change	Customer Deposits	Change	Financing Investments	Change
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 %
2021	110.85	15.8 %	81.11	13.4 %	82.93	18.3 %
2022	129.54	16.9 %	94.84	16.9 %	91.18	9.9 %
2023	143.11	10.5 %	112.83	19.0 %	102.08	12.0 %
2024	154.96	8.3 %	121.78	7.9 %	109.30	7.1 %
2025	172.97	11.6 %	132.88	9.1 %	122.19	11.8 %

Profitability

Period	Return On Average Assets	Return on Average Equity	Net Profit/Investment Income & Other Financing Operations
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 %
Q3 2021	1.60 %	14.75 %	44.40 %
Q4 2021	1.62 %	14.76 %	44.58 %
2021	1.63 %	14.85 %	44.84 %
Q1 2022	1.62 %	15.32 %	45.61 %
Q2 2022	1.63 %	15.56 %	45.38 %
Q3 2022	1.64 %	15.74 %	43.89 %
Q4 2022	1.73 %	16.40 %	41.87 %
2022	1.73 %	16.40 %	41.87 %
Q1 2023	1.71 %	16.29 %	38.22 %
Q2 2023	1.73 %	16.63 %	35.17 %
Q3 2023	1.74 %	16.65 %	32.91 %
Q4 2023	1.74 %	16.53 %	31.40 %
2023	1.74 %	16.53 %	31.40 %
Q1 2024	1.76 %	16.47 %	31.01 %
Q2 2024	1.81 %	16.93 %	31.05 %
Q3 2024	1.80 %	17.07 %	31.23 %
Q4 2024	1.88 %	17.57 %	32.79 %
2024	1.88 %	17.57 %	32.79 %
Q1 2025	1.89 %	17.20 %	32.95 %
Q2 2025	1.93 %	17.34 %	33.49 %
Q3 2025	1.88 %	17.47 %	33.76 %
Q4 2025	1.86 %	17.13 %	33.35 %
2025	1.86 %	17.13 %	33.35 %
Q1 2026	1.82 %	16.70 %	33.00 %

Period	Return On Average Assets	Return on Average Equity	Net Profit/Investment Income & Other Financing Operations
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 %
2021	1.63 %	14.85 %	44.84 %
2022	1.73 %	16.40 %	41.87 %
2023	1.74 %	16.53 %	31.40 %
2024	1.88 %	17.57 %	32.79 %
2025	1.86 %	17.13 %	33.35 %

Ratios

Period	Customer Deposits Per Total Assets	Financing Investments/Customer Deposits	Financing Investments/Total Assets
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 %
Q3 2021	73.78 %	99.34 %	73.29 %
Q4 2021	73.17 %	102.25 %	74.81 %
Q1 2022	73.92 %	100.36 %	74.19 %
Q2 2022	73.33 %	102.35 %	75.06 %
Q3 2022	73.91 %	98.30 %	72.66 %
Q4 2022	73.21 %	96.14 %	70.39 %
Q1 2023	77.92 %	90.52 %	70.54 %
Q2 2023	78.50 %	93.01 %	73.01 %
Q3 2023	79.17 %	93.29 %	73.85 %
Q4 2023	78.84 %	90.47 %	71.33 %
Q1 2024	79.15 %	90.83 %	71.89 %
Q2 2024	78.83 %	91.08 %	71.79 %
Q3 2024	79.59 %	87.21 %	69.41 %
Q4 2024	78.58 %	89.76 %	70.53 %
Q1 2025	77.95 %	90.65 %	70.66 %
Q2 2025	76.55 %	93.35 %	71.46 %
Q3 2025	76.83 %	92.34 %	70.94 %
Q4 2025	76.82 %	91.95 %	70.64 %
Q1 2026	77.96 %	92.52 %	72.13 %

Period	Customer Deposits Per Total Assets	Financing Investments/Customer Deposits	Financing Investments/Total Assets
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 %
2021	73.17 %	102.25 %	74.81 %
2022	73.21 %	96.14 %	70.39 %
2023	78.84 %	90.47 %	71.33 %
2024	78.58 %	89.76 %	70.53 %
2025	76.82 %	91.95 %	70.64 %

Per Share Data (Riyal)

Compared With The

Period	Shares Outstanding (M)	EPS (Riyal)	Earnings Per Share before unusual items (Riyal)	EPS Diluted (Riyal)	Book Value (BV)
Q1 2017	1,500.00	0.58	0.58	-	4.89
Q2 2017	1,500.00	0.61	0.61	-	4.86
Q3 2017	1,500.00	0.63	0.63	-	5.05
Q4 2017	1,500.00	0.63	0.63	-	5.06
Q1 2018	1,500.00	0.64	0.64	-	5.15
Q2 2018	1,500.00	0.66	0.66	-	5.14
Q3 2018	1,500.00	0.65	0.65	-	5.29
Q4 2018	1,500.00	0.41	0.67	-	5.22
Q1 2019	1,500.00	0.43	0.70	-	5.51
Q2 2019	1,500.00	0.46	0.72	-	5.89
Q3 2019	1,500.00	0.52	0.78	-	6.05
Q4 2019	1,500.00	0.83	0.83	-	6.28
Q1 2020	1,500.00	0.82	0.82	-	6.37
Q2 2020	1,500.00	0.83	0.83	-	6.59
Q3 2020	1,500.00	0.87	0.87	-	6.88
Q4 2020	1,500.00	0.90	0.90	0.94	7.16
Q1 2021	1,500.00	0.98	0.98	0.99	7.23
Q2 2021	1,500.00	1.05	1.05	1.05	7.61
Q3 2021	1,500.00	1.09	1.09	1.10	7.91
Q4 2021	1,500.00	1.12	1.12	1.12	7.99
Q1 2022	1,500.00	1.18	1.18	1.19	8.22
Q2 2022	1,500.00	1.25	1.25	1.25	8.40
Q3 2022	1,500.00	1.31	1.31	1.31	8.69
Q4 2022	1,500.00	1.39	1.39	1.39	8.93
Q1 2023	1,500.00	1.43	1.43	1.44	9.39
Q2 2023	1,500.00	1.48	1.48	1.49	9.45
Q3 2023	1,500.00	1.53	1.53	1.54	9.74
Q4 2023	1,500.00	1.58	1.58	1.59	10.17
Q1 2024	1,500.00	1.63	1.63	1.64	10.47
Q2 2024	1,500.00	1.69	1.69	1.70	10.54
Q3 2024	1,500.00	1.75	1.75	1.76	10.75
Q4 2024	1,500.00	1.87	1.87	1.88	11.13
Q1 2025	1,500.00	1.91	1.91	1.92	11.73
Q2 2025	1,500.00	1.97	1.97	1.98	12.21
Q3 2025	1,500.00	2.02	2.02	2.02	12.31
Q4 2025	1,500.00	2.03	2.03	1.99	12.61
Q1 2026	1,500.00	2.06	2.06	2.01	12.90

Period	Shares Outstanding (M)	EPS (Riyal)	Earnings Per Share before unusual items (Riyal)	EPS Diluted (Riyal)	Book Value (BV)
2016	1,500.00	0.54	0.54	-	4.74
2017	1,500.00	0.63	0.63	-	5.06
2018	1,500.00	0.41	0.67	-	5.22
2019	1,500.00	0.83	0.83	-	6.28
2020	1,500.00	0.90	0.90	0.90	7.16
2021	1,500.00	1.12	1.12	1.13	7.99
2022	1,500.00	1.39	1.39	1.39	8.93
2023	1,500.00	1.58	1.58	1.59	10.17
2024	1,500.00	1.87	1.87	1.88	11.13
2025	1,500.00	2.03	2.03	1.99	12.61

Multiple Ratios (End of Period Price)

Compared With The

Period	P/E	Recurring P/E	Price/book
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	16.27	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	15.17	15.17	1.98
Q1 2021	17.88	17.88	2.44
Q2 2021	17.48	17.48	2.41
Q3 2021	18.68	18.68	2.59
Q4 2021	20.66	20.66	2.90
Q1 2022	26.12	26.12	3.78
Q2 2022	23.31	23.31	3.47
Q3 2022	24.14	24.14	3.64
Q4 2022	21.27	21.27	3.32
Q1 2023	18.43	18.43	2.83
Q2 2023	17.30	17.30	2.73
Q3 2023	18.29	18.29	2.89
Q4 2023	19.08	19.08	2.98
Q1 2024	19.39	19.39	3.04
Q2 2024	15.93	15.93	2.57
Q3 2024	18.68	18.68	3.05
Q4 2024	17.30	17.30	2.92
Q1 2025	16.02	16.02	2.62
Q2 2025	13.27	13.27	2.16
Q3 2025	14.26	14.26	2.34
Q4 2025	12.48	12.48	1.97
Q1 2026	13.50	13.50	2.10

Period	P/E	Recurring P/E	Price/book
2016	15.31	15.31	1.74
2017	13.05	13.05	1.62
2018	26.71	16.27	2.09
2019	16.24	16.24	2.14
2020	15.69	15.69	1.98
2021	20.55	20.55	2.90
2022	21.27	21.27	3.32
2023	19.07	19.07	2.98
2024	17.28	17.28	2.92
2025	12.48	12.48	1.97

Business Segments (Million)

Compared With The

Period	Retail	Corporate and Institutional Banking	Global markets and Treasury	Investment Banking and Brokerage	Remittances ( Enjaz Centers)	Other
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	-	-
Q3 2021	796.65	202.47	125.84	48.15	-	-
Q4 2021	647.23	180.52	248.71	70.36	-	-
Q1 2022	750.34	257.89	189.77	66.51	-	-
Q2 2022	719.71	303.30	180.44	49.31	-	-
Q3 2022	760.58	354.95	162.93	47.03	-	-
Q4 2022	537.37	498.14	208.69	104.47	-	-
Q1 2023	610.53	407.31	250.45	67.32	-	-
Q2 2023	610.36	428.65	173.56	81.48	-	-
Q3 2023	558.66	501.65	205.94	69.58	-	-
Q4 2023	469.22	524.93	260.69	82.46	-	-
Q1 2024	517.59	449.01	281.40	93.35	-	-
Q2 2024	557.75	447.28	308.02	94.69	-	-
Q3 2024	599.42	489.90	248.28	108.68	-	-
Q4 2024	565.71	473.63	328.95	108.22	-	-
Q1 2025	584.34	448.95	329.62	100.93	-	-
Q2 2025	570.12	458.73	378.05	133.81	-	-
Q3 2025	596.63	475.44	355.89	106.91	-	-
Q4 2025	658.95	529.12	373.08	91.33	-	-
Q1 2026	618.22	492.89	330.10	88.00	-	-

Period	Retail	Corporate and Institutional Banking	Global markets and Treasury	Investment Banking and Brokerage	Remittances ( Enjaz Centers)	Other
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	-	-
2021	2,922.22	781.80	641.19	238.74	-	-
2022	2,768.00	1,414.28	741.83	267.33	-	-
2023	2,248.77	1,862.54	890.64	300.84	-	-
2024	2,240.47	1,859.82	1,166.66	404.94	-	-
2025	2,410.05	1,912.24	1,436.64	432.98	-	-

Analysts Estimates (Million)

Item	Profit (Expected)	Profit (Actual)	Change
Average	766.74	735.75

Estimates vs Actual (Million)

Item	Profit (Expected)	Profit (Actual)
AlJazira Capital	738.90	735.75
Riyad Capital	719.00	735.75
SNB Capital	761.00	735.75
United Securities Company	783.00	735.75
Value Capital	831.80	735.75

Twitter

Facebook

Linked in

Comments {{getCommentCount()}}

Be the first to comment

رد{{comment.DisplayName}} على {{getCommenterName(comment.ParentThreadID)}}

Sorry: the validity period has ended to comment on this news

Opinions expressed in the comments section do not reflect the views of Argaam. Abusive comments of any kind will be removed. Political or religious commentary will not be tolerated.

Bank Albilad’s Q1 2026 earnings up 5% to SAR 735.8M

Current Quarter Comparison (M)

Balance Sheet (B)

View other reports

Share Price

Bank Albilad (ALBILAD)

Financial Ratios

Financial results (Million)

Financial results (Million)

Profit Performance (Million)

Profit Performance (Million)

Balance Sheet (B)

Balance Sheet Performance (B)

Profitability

Profitability

Ratios

Ratios

Per Share Data (Riyal)

Per Share Data (Riyal)

Multiple Ratios (End of Period Price)

Ratios And Multiples

Business Segments (Million)

Revenue by Business Segment (Latest) 2026 Q1

Analysts Estimates (Million)

Analysts Estimates (Million)

Estimates vs Actual (Million)

Estimates Accuracy

Comments {{getCommentCount()}}

رد{{comment.DisplayName}} على {{getCommenterName(comment.ParentThreadID)}}

{{comment.DisplayName}}

Popular Links

Quick Links

About Us

Join Us

Follow Us

Bank Albilad’s Q1 2026 earnings up 5% to SAR 735.8M

Current Quarter Comparison (M)

Balance Sheet (B)

View other reports

Share Price

Bank Albilad (ALBILAD)

Financial Ratios

Financial results (Million)

Financial results (Million)

Profit Performance (Million)

Profit Performance (Million)

Balance Sheet (B)

Balance Sheet Performance (B)

Profitability

Profitability

Ratios

Ratios

Per Share Data (Riyal)

Per Share Data (Riyal)

Multiple Ratios (End of Period Price)

Ratios And Multiples

Business Segments (Million) Q1 2026

Revenue by Business Segment (Latest) 2026 Q1

Analysts Estimates (Million)

Analysts Estimates (Million)

Estimates vs Actual (Million)

Estimates Accuracy

Comments {{getCommentCount()}}

رد{{comment.DisplayName}} على {{getCommenterName(comment.ParentThreadID)}}

{{comment.DisplayName}}

Popular Links

Quick Links

About Us

Join Us

Follow Us

Business Segments (Million)