Bank Albilad’s profit up 18% to SAR 2.8B in 2024; Q4 at SAR 789.9M

Bank Albilad’s profit up 18% to SAR 2.8B in 2024; Q4 at SAR 789.9M

04/02/2025 Argaam Exclusive

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Bank Albilad reported a net profit of SAR 2.8 billion for 2024, an increase of 18% from SAR 2.36 billion in the previous year.



Financials (M)

Item 2023 2024 Change‬
Net Income from investments and financial activities 4,109.84 4,433.60 7.9 %
Operating Income 5,302.79 5,671.88 7.0 %
Total Provisions (323.83) (129.69) 60.0 %
Net Income 2,368.94 2,806.53 18.5 %
Average Shares 1,250.00 1,250.00 -
Earnings Per Share before unusual items 1.90 2.25 18.5 %
EPS (Riyals) 1.90 2.25 18.5 %
EPS Diluted (Riyals) 1.91 2.26 18.5 %

The increase in net profit was driven by an 8% rise in net income from investing and financing assets, even though the return on deposits and financial liabilities increased by 20%.

 

Total operating income grew by 7% due to the increase in net income from investing and financing assets, net fee and commission income, other operating income and dividend income. However, net gain on FVSI instruments and net exchange income decreased.

 

Net impairment charge for expected credit losses decreased by 60%, as a result of improvement in the quality of financing portfolio.

 

Total operating expenses decreased by 4%. However, salaries and employee-related benefits increased.



Current Quarter Comparison (M)

Compared With The
Item Q4 2023 Q4 2024 Change‬
Net Income from investments and financial activities 1,004.32 1,144.32 13.9 %
Operating Income 1,337.30 1,476.51 10.4 %
Debt Provisions (47.01) 57.71 222.8 %
Net Income 606.97 789.95 30.1 %
Average Shares 1,250.00 1,250.00 -
Earnings Per Share before unusual items 0.49 0.63 30.1 %
EPS (Riyals) 0.49 0.63 30.1 %
EPS Diluted (Riyal) 0.49 0.64 30.1 %

Balance Sheet (B)

Item 2023 2024 Change‬
Assets 143.11 154.96 8.3 %
Customer Deposits 112.83 121.78 7.9 %
Financing Investments 102.08 109.30 7.1 %

Q4 2024 net earnings rose 30% to SAR 789.9 million, from SAR 606.97 million in the year-earlier period.

 

On a sequential basis, Q4 net profit grew by 12.4% from SAR 702.69 million.

 

Total shareholders’ equity, no minority interest, stood at SAR 16.69 billion by Dec. 31, 2024, compared to SAR 15.25 billion in the prior-year period.

 

View More Financial Results

 


Financial results (Million)

Period Net Income from investments and financial activities Change Operating Income Change Debt Provisions Change
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 %
Q1 2024 1,044.73 0.7 % 1,341.35 0.4 % (51.55) 60.0 %
Q2 2024 1,084.77 6.8 % 1,407.74 8.8 % (82.18) (9.0 %)
Q3 2024 1,159.79 10.2 % 1,446.28 8.3 % (53.67) 26.1 %
Q4 2024 1,144.32 13.9 % 1,476.51 10.4 % 57.71 222.8 %
2024 4,433.60 7.9 % 5,671.88 7.0 % (129.69) 60.0 %


Profit Performance (Million)

Period Net Income Change EPS(Riyal) Extraordinary Income/Expense Net Profit Before Unusual Items Earnings Per Share before unusual items
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
Q1 2024 643.05 14.9 % 0.51 - 643.05 0.51
Q2 2024 670.85 14.5 % 0.54 - 670.85 0.54
Q3 2024 702.69 14.0 % 0.56 - 702.69 0.56
Q4 2024 789.95 30.1 % 0.63 - 789.95 0.63
2024 2,806.53 18.5 % 2.25 - 2,806.53 2.25

Profitability

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

Balance Sheet (B)

Period Assets Change Customer Deposits Change Financing Investments Change
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 %
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 %

Ratios

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


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 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
Q1 2024 1,250.00 1.96 1.96 1.98 12.56
Q2 2024 1,250.00 2.03 2.03 2.04 12.64
Q3 2024 1,250.00 2.10 2.10 2.11 12.91
Q4 2024 1,250.00 2.25 2.25 2.26 13.35

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Adjusted P/E Price/book
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
Q1 2024 19.36 19.36 3.04
Q2 2024 15.92 15.92 2.57
Q3 2024 18.66 18.66 3.05
Q4 2024 17.29 17.29 2.92

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 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 - -
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 - -

Analysts Estimates (Million)

Item Q4 2024 (e) Q4 2024 (a) Change‬
Average 731.84 789.95 7.94 %

Estimates vs Actual (Million)

Item Q4 2024 (e) Q4 2024 (a) Change
Riyad Capital 747.00 789.95 5.7 %
AlJazira Capital 745.80 789.95 5.9 %
SNB Capital 738.00 789.95 7.0 %
OSOOL AND BAKHEET 718.46 789.95 10.0 %
Value Capital 709.93 789.95 11.3 %


Financial Ratios
Current
Market Cap (M) 47,875.00
Shares Outstanding ((M)) 1,250.00
EPS ( Riyal) (TTM) 2.25
EPS Diluted ( Riyal) (TTM) 2.26
Book Value (BV) ( Riyal) 13.35
Par Value ( Riyal) 10.00
Adjusted P/E (Last12) 17.06
P/E (TTM) 17.06
Price/book 2.87
Return on Average Assets (%) (TTM) 1.9
Return on Average Equity (%) (TTM) 17.6
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Share Price

Bank Albilad
38.30
0.75 2.00 %

Bank Albilad (ALBILAD)

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