Bank Albilad 9M 2023 profit up 14% to SAR 1.76 bln; Q3 at SAR 616.2 mln

Bank Albilad 9M 2023 profit up 14% to SAR 1.76 bln; Q3 at SAR 616.2 mln

26/10/2023 Argaam Exclusive

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Bank Albilad reported a 14% rise in net profit to SAR 1.76 billion for the first nine months of 2023, compared to SAR 1.54 billion in the prior-year period.



Financials (M)

Item 9m 2022 9m 2023 Change‬
Net Income from investments and financial activities 2,904.50 3,105.52 6.9 %
Operating Income 3,842.76 3,965.49 3.2 %
Total Provisions (412.02) (276.82) 32.8 %
Net Income 1,541.94 1,761.97 14.3 %
Average Shares 1,250.00 1,250.00 -
EPS (Riyals) 1.23 1.41 14.3 %
EPS Diluted (Riyals) 1.23 1.42 15.0 %

The bank reported a 3% year-on-year (YoY) increase in gross operating income during the nine-month period. This was mainly due to higher net income from investing and financing assets and net gain on FVSI instruments. 

 

This was offset by a YoY decline in net exchange income, other operating income, net fee and commission income and dividend income.



Current Quarter Comparison (M)

Compared With The
Item Q3 2022 Q3 2023 Change‬
Net Income from investments and financial activities 1,003.38 1,051.99 4.8 %
Operating Income 1,325.49 1,335.84 0.8 %
Debt Provisions (132.06) (72.58) 45.0 %
Net Income 540.65 616.17 14.0 %
Average Shares 1,250.00 1,250.00 -
EPS (Riyals) 0.43 0.49 14.0 %
EPS Diluted (Riyal) 0.43 0.49 15.1 %

The third-quarter net profit grew 14% to SAR 616.20 million from SAR 540.65 million in Q3 2022, on a 1% higher gross operating income. 

 

Sequentially, the Q3 bottom line grew by 5.2% from SAR 585.90 million.

Balance Sheet (B)

Item 9m 2022 9m 2023 Change‬
Assets 127.02 137.57 8.3 %
Customer Deposits 93.89 108.92 16.0 %
Financing Investments 92.29 101.60 10.1 %

Shareholders’ equity, with no minority interest, stood at SAR 14.61 billion by the end of Sept. 30, 2023, compared to SAR 13.03 billion in the year-earlier period.

 

View more financial results

 


Financial results (Million)

Period Net Income from investments and financial activities Change Operating Income Change Debt Provisions Change Net Income Change EPS(Riyal)
Q1 2014 227.06 2.3 % 477.51 6.2 % (4.65) 92.8 % 173.71 21.9 % 0.14
Q2 2014 258.97 13.7 % 533.99 10.9 % (24.41) 44.5 % 204.32 16.2 % 0.16
Q3 2014 264.41 7.1 % 550.55 13.1 % 9.14 122.8 % 237.06 20.3 % 0.19
Q4 2014 268.75 7.5 % 535.01 7.2 % 27.44 203.3 % 248.94 16.5 % 0.20
Q1 2015 271.92 19.8 % 555.18 16.3 % (16.12) (246.6 %) 174.14 0.2 % 0.14
Q2 2015 286.56 10.7 % 584.92 9.5 % (29.13) (19.3 %) 206.46 1.0 % 0.17
Q3 2015 293.70 11.1 % 566.39 2.9 % (25.73) (381.7 %) 203.44 (14.2 %) 0.16
Q4 2015 310.22 15.4 % 588.13 9.9 % (7.72) (128.1 %) 204.38 (17.9 %) 0.16
Q1 2016 333.75 22.7 % 626.99 12.9 % (56.41) (250.0 %) 174.52 0.2 % 0.14
Q2 2016 348.66 21.7 % 641.50 9.7 % (53.93) (85.1 %) 183.87 (10.9 %) 0.15
Q3 2016 361.74 23.2 % 638.56 12.7 % (37.68) (46.4 %) 227.81 12.0 % 0.18
Q4 2016 363.76 17.3 % 680.38 15.7 % (43.20) (459.8 %) 221.52 8.4 % 0.18
Q1 2017 391.74 17.4 % 690.77 10.2 % (50.41) 10.6 % 229.38 31.4 % 0.18
Q2 2017 431.50 23.8 % 721.51 12.5 % (76.67) (42.2 %) 238.76 29.8 % 0.19
Q3 2017 448.83 24.1 % 762.94 19.5 % (115.98) (207.8 %) 248.05 8.9 % 0.20
Q4 2017 466.93 28.4 % 784.35 15.3 % (135.57) (213.8 %) 225.86 2.0 % 0.18
Q1 2018 488.24 24.6 % 790.97 14.5 % (95.11) (88.7 %) 246.11 7.3 % 0.20
Q2 2018 521.40 20.8 % 842.68 16.8 % (135.25) (76.4 %) 265.90 11.4 % 0.21
Q3 2018 552.13 23.0 % 880.25 15.4 % (148.14) (27.7 %) 237.02 (4.4 %) 0.19
Q4 2018 602.46 29.0 % 902.12 15.0 % (111.95) 17.4 % (136.32) (160.4 %) (0.11)
Q1 2019 597.09 22.3 % 921.41 16.5 % (124.83) (31.2 %) 284.89 15.8 % 0.23
Q2 2019 693.10 32.9 % 959.24 13.8 % (137.81) (1.9 %) 304.91 14.7 % 0.24
Q3 2019 728.59 32.0 % 1,023.65 16.3 % (140.75) 5.0 % 326.63 37.8 % 0.26
Q4 2019 771.12 28.0 % 1,041.04 15.4 % (139.70) (24.8 %) 327.15 340.0 % 0.26
Q1 2020 769.08 28.8 % 1,004.15 9.0 % (208.05) (66.7 %) 270.04 (5.2 %) 0.22
Q2 2020 821.22 18.5 % 999.51 4.2 % (145.92) (5.9 %) 318.06 4.3 % 0.25
Q3 2020 855.52 17.4 % 1,112.62 8.7 % (160.29) (13.9 %) 382.61 17.1 % 0.31
Q4 2020 846.81 9.8 % 1,139.90 9.5 % (180.25) (29.0 %) 377.81 15.5 % 0.30
Q1 2021 858.76 11.7 % 1,132.99 12.8 % (169.50) 18.5 % 392.75 45.4 % 0.31
Q2 2021 842.49 2.6 % 1,131.04 13.2 % (136.35) 6.6 % 416.09 30.8 % 0.33
Q3 2021 886.75 3.7 % 1,174.47 5.6 % (142.50) 11.1 % 449.70 17.5 % 0.36
Q4 2021 901.49 6.5 % 1,146.81 0.6 % (121.33) 32.7 % 427.99 13.3 % 0.34
Q1 2022 944.46 10.0 % 1,264.51 11.6 % (159.53) 5.9 % 490.31 24.8 % 0.39
Q2 2022 956.66 13.6 % 1,252.76 10.8 % (120.43) 11.7 % 510.98 22.8 % 0.41
Q3 2022 1,003.38 13.2 % 1,325.49 12.9 % (132.06) 7.3 % 540.65 20.2 % 0.43
Q4 2022 982.17 8.9 % 1,348.67 17.6 % (138.63) (14.3 %) 539.75 26.1 % 0.43
Q1 2023 1,037.44 9.8 % 1,335.61 5.6 % (128.85) 19.2 % 559.90 14.2 % 0.45
Q2 2023 1,016.09 6.2 % 1,294.05 3.3 % (75.39) 37.4 % 585.90 14.7 % 0.47
Q3 2023 1,051.99 4.8 % 1,335.84 0.8 % (72.58) 45.0 % 616.17 14.0 % 0.49

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 %

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 %

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 %


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

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 17.37 17.37 2.73
Q3 2023 18.32 18.32 2.89

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 - -

Analysts Estimates (Million)

Item Q3 2023 (e) Q3 2023 (a) Change‬
Average 590.78 616.17 4.30 %

Estimates vs Actual (Million)

Item Q3 2023 (e) Q3 2023 (a) Change
Value Capital 612.05 616.17 0.7 %
Riyad Capital 597.00 616.17 3.2 %
AlJazira Capital 597.00 616.17 3.2 %
Hermes 591.00 616.17 4.3 %
FAB Securities 589.00 616.17 4.6 %
SNB Capital 581.00 616.17 6.1 %
OSOOL AND BAKHEET 568.38 616.17 8.4 %


Financial Ratios
Current
Market Cap (M) 40,000.00
Shares Outstanding ((M)) 1,250.00
EPS ( Riyal) (TTM) 1.96
EPS Diluted ( Riyal) (TTM) 1.97
Book Value (BV) ( Riyal) 12.56
Par Value ( Riyal) 10.00
Adjusted P/E (Last12) 16.31
P/E (TTM) 16.31
Price/book 2.55
Return on Average Assets (%) (TTM) 1.8
Return on Average Equity (%) (TTM) 16.5
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Share Price

Bank Albilad
32.10
0.10 0.31 %

Bank Albilad (ALBILAD)

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