Bank Albilad reports SAR 2.36B profit in 2023; Q4 at SAR 607M

Bank Albilad reports SAR 2.36B profit in 2023; Q4 at SAR 607M

05/02/2024 Argaam Exclusive

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Bank Albilad reported a net profit of SAR 2.36 billion for the 12 months ended Dec. 31, 2023, an increase of 14% compared to SAR 2.08 billion for the year-earlier period.



Financials (M)

Item 2022 2023 Change‬
Net Income from investments and financial activities 3,886.67 4,109.84 5.7 %
Operating Income 5,191.43 5,302.79 2.1 %
Total Provisions (550.65) (323.83) 41.2 %
Net Income 2,081.69 2,368.94 13.8 %
Average Shares 1,250.00 1,250.00 -
EPS (Riyals) 1.67 1.90 13.8 %
EPS Diluted (Riyals) 1.67 1.91 14.2 %

The bank’s total operating income rose 2%, mainly backed by higher net income from investing and financing assets, net gain on FVSI instruments and dividend income. However, other operating income, net exchange income and net fee and commission income decreased.

 

Other general and administrative expenses decreased and net impairment charge for expected credit losses declined by 41% year-on-year (YoY).

 

Meanwhile, total operating expenses before net impairment charge increased by 1% YoY.

 

Q4 2023 net earnings rose 13% to SAR 607 million, from SAR 539.75 million in the year-earlier period.

 

On a sequential basis, Q4 net profit declined by 1.5%.



Current Quarter Comparison (M)

Compared With The
Item Q4 2022 Q4 2023 Change‬
Net Income from investments and financial activities 982.17 1,004.32 2.3 %
Operating Income 1,348.67 1,337.30 (0.8 %)
Debt Provisions (138.63) (47.01) 66.1 %
Net Income 539.75 606.97 12.5 %
Average Shares 1,250.00 1,250.00 -
EPS (Riyals) 0.43 0.49 12.5 %
EPS Diluted (Riyal) 0.43 0.49 13.7 %

Balance Sheet (B)

Item 2022 2023 Change‬
Assets 129.54 143.11 10.5 %
Customer Deposits 94.84 112.83 19.0 %
Financing Investments 91.18 102.08 12.0 %

Total shareholders’ equity, no minority interest, stood at SAR 15.25 billion by Dec. 31, 2023, compared to SAR 13.39 billion in the prior-year period.

 

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Financial results (Million)

Period Net Income from investments and financial activities Change Operating Income Change Debt Provisions Change
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 %)
Q1 2023 1,037.44 9.8 % 1,335.61 5.6 % (128.85) 19.2 %
Q2 2023 1,016.09 6.2 % 1,294.05 3.3 % (75.39) 37.4 %
Q3 2023 1,051.99 4.8 % 1,335.84 0.8 % (72.58) 45.0 %
Q4 2023 1,004.32 2.3 % 1,337.30 (0.8 %) (47.01) 66.1 %
2023 4,109.84 5.7 % 5,302.79 2.1 % (323.83) 41.2 %


Profit Performance (Million)

Period Net Income Change EPS(Riyal) Extraordinary Income/Expense Net Profit Before Unusual Items EPS Before XO Items
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
Q1 2023 559.90 14.2 % 0.45 - 559.90 0.45
Q2 2023 585.90 14.7 % 0.47 - 585.90 0.47
Q3 2023 616.17 14.0 % 0.49 - 616.17 0.49
Q4 2023 606.97 12.5 % 0.49 - 606.97 0.49
2023 2,368.94 13.8 % 1.90 - 2,368.94 1.90

Profitability

Period Return On Average Assets Return on Average Equity Net Profit/Investment Income & Other Financing Operations
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 %
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 %

Balance Sheet (B)

Period Assets Change Customer Deposits Change Financing Investments Change
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 %
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 %

Ratios

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


Per Share Data (Riyal)

Compared With The
Period Shares Outstanding (M) EPS (Riyal) Adjusted EPS (Riyal) EPS Diluted (Riyal) Book Value (BV)
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
Q1 2023 1,250.00 1.72 1.72 1.72 11.27
Q2 2023 1,250.00 1.78 1.78 1.78 11.34
Q3 2023 1,250.00 1.84 1.84 1.85 11.69
Q4 2023 1,250.00 1.90 1.90 1.91 12.21

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Adjusted P/E Price/book
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
Q1 2023 18.50 18.50 2.83
Q2 2023 17.36 17.36 2.73
Q3 2023 18.30 18.30 2.89
Q4 2023 19.06 19.06 2.98

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 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 - -
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 - -

Analysts Estimates (Million)

Item Q4 2023 (e) Q4 2023 (a) Change‬
Average 623.62 606.97 (2.7 %)

Estimates vs Actual (Million)

Item Q4 2023 (e) Q4 2023 (a) Change
Hermes 604.00 606.97 0.5 %
OSOOL AND BAKHEET 603.62 606.97 0.6 %
Riyad Capital 613.00 606.97 (1.0) %
YAQEEN 614.77 606.97 (1.3) %
AlJazira Capital 619.00 606.97 (1.9) %
Value Capital 621.97 606.97 (2.4) %
SNB Capital 689.00 606.97 (11.9) %


Financial Ratios
Current
Market Cap (M) 44,937.50
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) 17.13
P/E (TTM) 17.13
Price/book 2.79
Return on Average Assets (%) (TTM) 1.8
Return on Average Equity (%) (TTM) 17.1
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Share Price

Bank Albilad
35.95
(0.10) (0.28 %)

Bank Albilad (ALBILAD)

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