Bank Albilad 2022 profit jumps 23% to SAR 2.08 bln, Q4 at SAR 539.8 mln

Bank Albilad 2022 profit jumps 23% to SAR 2.08 bln, Q4 at SAR 539.8 mln

02/02/2023 Argaam Exclusive

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Bank Albilad reported a net profit of SAR 2.08 billion for 2022, a rise of 23% compared to SAR 1.68 billion in 2021.



Financials (M)

Item 2021 2022 Change‬
Net Income from investments and financial activities 3,489.49 3,886.67 11.4 %
Operating Income 4,583.95 5,191.43 13.3 %
Total Provisions (569.67) (550.65) 3.3 %
Net Income 1,686.54 2,081.69 23.4 %
Average Shares 1,250.00 1,250.00 -
EPS (Riyals) 1.35 1.67 23.4 %

The bank attributed the profit growth to a 13% year-on-year (YoY) increase in total operating income. This was due to higher net income from investing and financing activities, other operating income, net exchange income, net gains on FVSI investment and dividend income. 

 

On the other hand, total operating expenses jumped by 6% YoY, on higher other general and administrative (G&A) expenses, salaries and employee-related benefits, as well as depreciation and amortization.

 

Net impairment charges for expected credit losses decreased.

 

The fourth-quarter net profit climbed 26% to SAR 539.76 million, from SAR 427.99 million.

 

Compared to Q3 2022, net profit edged down 0.2% from SAR 540.65.



Current Quarter Comparison (M)

Compared With The
Item Q4 2021 Q4 2022 Change‬
Net Income from investments and financial activities 901.49 982.17 8.9 %
Operating Income 1,146.81 1,348.67 17.6 %
Debt Provisions (121.33) (138.63) (14.3 %)
Net Income 427.99 539.75 26.1 %
Average Shares 1,250.00 1,250.00 -
EPS (Riyals) 0.34 0.43 26.1 %

Balance Sheet (B)

Item 2021 2022 Change‬
Assets 110.85 129.54 16.9 %
Customer Deposits 81.11 94.84 16.9 %
Financing Investments 82.93 91.18 9.9 %

Shareholders’ equity, no minority interest (after excluding Sukuk), reached SAR 13.39 billion as of Dec. 31, 2022, compared to SAR 11.98 billion a year earlier.

 

View More Financial Results

 


Financial results (Million)

Period Net Income from investments and financial activities Change Operating Income Change Debt Provisions Change
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 %
Q4 2021 901.49 6.5 % 1,146.81 0.6 % (121.33) 32.7 %
Q1 2022 944.46 10.0 % 1,264.51 11.6 % (159.53) 5.9 %
Q2 2022 956.66 13.6 % 1,252.76 10.8 % (120.43) 11.7 %
Q3 2022 1,003.38 13.2 % 1,325.49 12.9 % (132.06) 7.3 %
Q4 2022 982.17 8.9 % 1,348.67 17.6 % (138.63) (14.3 %)
2022 3,886.67 11.4 % 5,191.43 13.3 % (550.65) 3.3 %


Profit Performance (Million)

Period Net Income Change EPS(Riyal) Extraordinary Income/Expense Net Profit Before Unusual Items EPS Before XO Items
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
Q4 2021 427.99 13.3 % 0.34 - 427.99 0.34
Q1 2022 490.31 24.8 % 0.39 - 490.31 0.39
Q2 2022 510.98 22.8 % 0.41 - 510.98 0.41
Q3 2022 540.65 20.2 % 0.43 - 540.65 0.43
Q4 2022 539.75 26.1 % 0.43 - 539.75 0.43
2022 2,081.69 23.4 % 1.67 - 2,081.69 1.67

Profitability

Period Return On Average Assets Return on Average Equity Net Profit/Investment Income & Other Financing Operations
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 %
Q4 2021 1.63 % 14.85 % 44.84 %
Q1 2022 1.63 % 15.40 % 45.86 %
Q2 2022 1.64 % 15.64 % 45.62 %
Q3 2022 1.65 % 15.82 % 44.11 %
Q4 2022 1.73 % 16.40 % 41.87 %
2022 1.73 % 16.40 % 41.87 %

Balance Sheet (B)

Period Assets Change Customer Deposits Change Financing Investments Change
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 %
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 %

Ratios

Period Customer Deposits Per Total Assets Financing Investments/Customer Deposits Financing Investments/Total Assets
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 %
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 %


Per Share Data (Riyal)

Compared With The
Period Shares Outstanding (M) EPS (Riyal) Adjusted EPS (Riyal) EPS Diluted (Riyal) Book Value (BV)
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
Q4 2021 1,250.00 1.35 1.35 - 9.58
Q1 2022 1,250.00 1.43 1.43 - 9.86
Q2 2022 1,250.00 1.50 1.50 - 10.09
Q3 2022 1,250.00 1.58 1.58 - 10.43
Q4 2022 1,250.00 1.67 1.67 1.66 10.72

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Adjusted P/E Price/book
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
Q4 2021 20.63 20.63 2.90
Q1 2022 26.09 26.09 3.78
Q2 2022 23.28 23.28 3.47
Q3 2022 24.11 24.11 3.64
Q4 2022 21.42 21.42 3.32

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 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 - -
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 - -

Analysts Estimates (Million)

Item Q4 2022 (e) Q4 2022 (a) Change‬
Average 530.55 539.75 1.73 %

Estimates vs Actual (Million)

Item Q4 2022 (e) Q4 2022 (a) Change
Hermes 539.00 539.75 0.1 %
SNB Capital 549.00 539.75 (1.7) %
Riyad Capital 528.00 539.75 2.2 %
AlJazira Capital 555.40 539.75 (2.8) %
OSOOL AND BAKHEET 510.87 539.75 5.7 %
FAB Securities 501.00 539.75 7.7 %


Financial Ratios
Current
Market Cap (M) 44,875.00
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) 17.10
P/E (TTM) 17.10
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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