Bank Albilad’s net profit rises 30% to SAR 1.258 bln in 9M 2021

Bank Albilad’s net profit rises 30% to SAR 1.258 bln in 9M 2021

20/10/2021 Argaam Exclusive

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Bank Albilad reported a net profit of SAR 1.258 billion for the first nine months of 2021, an increase of 30% from SAR 970.7 million in the same period last year.

 

The profit growth was driven by a 10% year-on-year (YoY) rise in gross operating income and a 0.3% drop YoY in gross operating expenses. The bank also cited lower net provisions for expected credit losses, along with higher net income from investment and financing activities, net fee and commission income, dividend income, and other operating income.



Financials (M)

Item 9m 2020 9m 2021 Change‬
Net Income from investments and financial activities 2,445.82 2,588.00 5.8 %
Operating Income 3,122.15 3,437.14 10.1 %
Total Provisions (514.27) (448.34) 12.8 %
Net Income 970.71 1,258.55 29.7 %
Average Shares 1,250.00 1,250.00 -
EPS (Riyals) 0.78 1.01 29.7 %

The bank’s net profit for Q3 2021 stood at SAR 449.7 million, up 18% YoY, due to a 6% rise in gross operating income on higher net income from investment and financing activities.

 

Total operating expenses decreased by 2% YoY, due to lower net impairment charges for expected credit losses.



Current Quarter Comparison (M)

Compared With The
Item Q3 2020 Q3 2021 Change‬
Net Income from investments and financial activities 855.52 886.75 3.7 %
Operating Income 1,112.62 1,174.47 5.6 %
Debt Provisions (160.29) (142.50) 11.1 %
Net Income 382.61 449.70 17.5 %
Average Shares 1,250.00 1,250.00 -
EPS (Riyals) 0.31 0.36 17.5 %

On a sequential basis, net profit rose 8.07% from SAR 416 million.

 

Total shareholders’ equity, excluding minority interest, increased 14.92% to SAR 11.867 billion in the first nine months of 2021, from SAR 10.326 billion.

 

View more financial results

 

Balance Sheet (B)

Item 9m 2020 9m 2021 Change‬
Assets 92.31 111.61 20.9 %
Customer Deposits 68.88 82.35 19.6 %
Financing Investments 67.76 81.80 20.7 %


Financial results (Million)

Period Net Income from investments and financial activities Change Operating Income Change Debt Provisions Change
Q1 2012 193.90 17.6 % 419.81 36.1 % (65.74) (28.9 %)
Q2 2012 205.62 15.2 % 444.52 31.5 % (57.84) (15.1 %)
Q3 2012 214.61 21.4 % 434.32 29.8 % (86.36) (69.6 %)
Q4 2012 225.38 23.2 % 438.74 11.8 % (65.28) 34.7 %
Q1 2013 221.95 14.5 % 449.81 7.1 % (64.65) 1.7 %
Q2 2013 227.73 10.8 % 481.49 8.3 % (44.01) 23.9 %
Q3 2013 246.85 15.0 % 486.78 12.1 % (40.07) 53.6 %
Q4 2013 250.10 11.0 % 499.15 13.8 % (26.55) 59.3 %
Q1 2014 227.06 2.3 % 477.51 6.2 % (4.65) 92.8 %
Q2 2014 258.97 13.7 % 533.99 10.9 % (24.41) 44.5 %
Q3 2014 264.41 7.1 % 550.55 13.1 % 9.14 122.8 %
Q4 2014 268.75 7.5 % 535.01 7.2 % 27.44 203.3 %
Q1 2015 271.92 19.8 % 555.18 16.3 % (16.12) (246.6 %)
Q2 2015 286.56 10.7 % 584.92 9.5 % (29.13) (19.3 %)
Q3 2015 293.70 11.1 % 566.39 2.9 % (25.73) (381.7 %)
Q4 2015 310.22 15.4 % 588.13 9.9 % (7.72) (128.1 %)
Q1 2016 333.75 22.7 % 626.99 12.9 % (56.41) (250.0 %)
Q2 2016 348.66 21.7 % 641.50 9.7 % (53.93) (85.1 %)
Q3 2016 361.74 23.2 % 638.56 12.7 % (37.68) (46.4 %)
Q4 2016 363.76 17.3 % 680.38 15.7 % (43.20) (459.8 %)
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 %)
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 %
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 %)
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 %)
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 %


Profit Performance (Million)

Period Net Income Change EPS(Riyal) Extraordinary Income/Expense Net Profit Before Unusual Items EPS Before XO Items
Q1 2012 511.52 822.4 % 0.41 373.17 138.35 0.11
Q2 2012 153.45 87.9 % 0.12 - 153.45 0.12
Q3 2012 120.15 40.6 % 0.10 - 120.15 0.10
Q4 2012 156.69 46.4 % 0.13 - 156.69 0.13
Q1 2013 142.50 (72.1 %) 0.11 - 142.50 0.11
Q2 2013 175.87 14.6 % 0.14 - 175.87 0.14
Q3 2013 197.08 64.0 % 0.16 - 197.08 0.16
Q4 2013 213.71 36.4 % 0.17 - 213.71 0.17
Q1 2014 173.71 21.9 % 0.14 - 173.71 0.14
Q2 2014 204.32 16.2 % 0.16 - 204.32 0.16
Q3 2014 237.06 20.3 % 0.19 - 237.06 0.19
Q4 2014 248.94 16.5 % 0.20 - 248.94 0.20
Q1 2015 174.14 0.2 % 0.14 - 174.14 0.14
Q2 2015 206.46 1.0 % 0.17 - 206.46 0.17
Q3 2015 203.44 (14.2 %) 0.16 - 203.44 0.16
Q4 2015 204.38 (17.9 %) 0.16 - 204.38 0.16
Q1 2016 174.52 0.2 % 0.14 - 174.52 0.14
Q2 2016 183.87 (10.9 %) 0.15 - 183.87 0.15
Q3 2016 227.81 12.0 % 0.18 - 227.81 0.18
Q4 2016 221.52 8.4 % 0.18 - 221.52 0.18
Q1 2017 229.38 31.4 % 0.18 - 229.38 0.18
Q2 2017 238.76 29.8 % 0.19 - 238.76 0.19
Q3 2017 248.05 8.9 % 0.20 - 248.05 0.20
Q4 2017 225.86 2.0 % 0.18 - 225.86 0.18
Q1 2018 246.11 7.3 % 0.20 - 246.11 0.20
Q2 2018 265.90 11.4 % 0.21 - 265.90 0.21
Q3 2018 237.02 (4.4 %) 0.19 - 237.02 0.19
Q4 2018 (136.32) (160.4 %) (0.11) (392.80) 256.48 0.21
Q1 2019 284.89 15.8 % 0.23 - 284.89 0.23
Q2 2019 304.91 14.7 % 0.24 - 304.91 0.24
Q3 2019 326.63 37.8 % 0.26 - 326.63 0.26
Q4 2019 327.15 340.0 % 0.26 - 327.15 0.26
Q1 2020 270.04 (5.2 %) 0.22 - 270.04 0.22
Q2 2020 318.06 4.3 % 0.25 - 318.06 0.25
Q3 2020 382.61 17.1 % 0.31 - 382.61 0.31
Q4 2020 377.81 15.5 % 0.30 - 377.81 0.30
Q1 2021 392.75 45.4 % 0.31 - 392.75 0.31
Q2 2021 416.09 30.8 % 0.33 - 416.09 0.33
Q3 2021 449.70 17.5 % 0.36 - 449.70 0.36

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 %
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 %
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 %
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 %
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 %
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 %
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 %
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 %
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 %
Q1 2021 1.54 % 14.43 % 40.52 %
Q2 2021 1.60 % 14.73 % 43.19 %
Q3 2021 1.60 % 14.75 % 44.40 %

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 %
Q3 2021 111.61 20.9 % 82.35 19.5 % 81.80 20.7 %

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 %
Q3 2021 73.78 % 99.34 % 73.29 %


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
Q3 2021 1,250.00 1.31 1.31 - 9.49

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
Q3 2021 18.76 18.76 2.59

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 - -
Q3 2021 796.65 202.47 125.84 48.15 - -

Analysts Estimates (Million)

Item Q3 2021 (e) Q3 2021 (a) Change‬
Average 421.52 449.70 6.69 %

Estimates vs Actual (Million)

Item Q3 2021 (e) Q3 2021 (a) Change
Riyad Capital 470.00 449.70 (4.3) %
SNB Capital 423.00 449.70 6.3 %
Hermes 423.00 449.70 6.3 %
OSOOL AND BAKHEET 414.10 449.70 8.6 %
AlJazira Capital 409.00 449.70 10.0 %
CI Capital 390.00 449.70 15.3 %


Financial Ratios
Current
Market Cap (M) 44,812.50
Shares Outstanding ((M)) 1,250.00
EPS ( Riyal) (TTM) 2.10
EPS Diluted ( Riyal) (TTM) 2.11
Book Value (BV) ( Riyal) 12.91
Par Value ( Riyal) 10.00
Adjusted P/E (Last12) 17.08
P/E (TTM) 17.08
Price/book 2.78
Return on Average Assets (%) (TTM) 1.8
Return on Average Equity (%) (TTM) 17.1
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Share Price

Bank Albilad
35.90
(0.05) (0.14 %)

Bank Albilad (ALBILAD)

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