Bank Albilad announces its Interim Financial Results for the Period Ended 2025-09-30 (Nine Months) | premargin

Bank Albilad announces its Interim Financial Results for the Period Ended 2025-09-30 (Nine Months)

TadawulOctober 26, 2025View on exchange

Element List	Current Quarter	Similar quarter for previous year	%Change	Previous Quarter	% Change
Total Income From Special Commission of Financing	1,888	1,841.3	2.536	1,826	3.395
Total Income From Special Commission of Investment	433.2	363.3	19.24	422.7	2.484
Net Income From Special Commission of Financing	880.5	930.1	-5.332	839.6	4.871
Net Income From Special Commission of Investment	314.2	229.7	36.787	337	-6.765
Total Operations Profit (Loss)	1,534.9	1,446.3	6.125	1,540.7	-0.376
Net Profit (Loss) before Zakat and Income Tax	854.5	783.4	9.075	853.7	0.093
Net Profit/(Loss)	766.5	702.7	9.079	765.8	0.091
Total Comprehensive Income	831.4	959.1	-13.314	718.9	15.648
Total Operating Expenses Before Provisions for Credit and Other Losses	647.4	609.2	6.27	638.2	1.441
Total Provision of Expected Credit Losses And Other Losses (Reversing Entry), Net	33	53.7	-38.547	48.8	-32.377
All figures are in (Millions) Saudi Arabia, Riyals

Element List	Current Period	Similar period for previous year	%Change
Total Income From Special Commission of Financing	5,513.8	5,271.6	4.594
Total Income From Special Commission of Investment	1,248.4	1,097.9	13.707
Net Income From Special Commission of Financing	2,590.4	2,554.8	1.393
Net Income From Special Commission of Investment	943.1	734.5	28.4
Total Operations Profit (Loss)	4,539.4	4,195.4	8.199
Net Profit (Loss) before Zakat and Income Tax	2,489	2,248.1	10.715
Net profit (Loss)	2,232.6	2,016.6	10.711
Total Comprehensive Income	2,449.2	2,064.2	18.651
Assets	167,929.3	153,722.2	9.242
Investments	30,440.4	22,999.7	32.351
Loans And Advances Portfolio (Financing And Investment)	119,134.9	106,695.4	11.658
Clients' deposits	129,023.1	122,342.3	5.46
Total Shareholders Equity (after Deducting Minority Equity)	20,910.1	16,131.9	29.619
Total Operating Expenses Before Provisions for Credit and Other Losses	1,915.7	1,759.8	8.858
Total Provision of Expected Credit Losses And Other Losses (Reversing Entry), Net	134.7	187.4	-28.121
Profit (Loss) per Share	1.5	1.35
All figures are in (Millions) Saudi Arabia, Riyals

Element List	Amount	Percentage of the capital (%)
Profit (Losses) Resulting From The Change In Investment Propertie’s Fair Value	-	-
All figures are in (Millions) Saudi Arabia, Riyals

Element List	Explanation
The reason of the increase (decrease) in special commission income during the current quarter compared to the same quarter of the last year is	Net income from investing and financing assets increased by 3%, which is mainly due to increase in the income from investing and financing assets by 5%, however, the return on deposits and financial liabilities increased by 8%.
The reason of the increase (decrease) in the net profit during the current quarter compared to the same quarter of the last year is	Net income has increased due to the increase in total operating income by 6%, which is mainly due to increase in net income from investing and financing assets, net gain on fair value through statement of income (FVSI) instruments, fee and commission income, other operating income and dividend income. However, net exchange income have been decreased. Total operating expenses have increased by 3%, which is mainly due to the increase in other general and administrative expenses, depreciation and amortization and salaries and employee related benefits. However, net impairment charge for expected credit losses have been decreased.
The reason of the increase (decrease) in the total net provision (reversing entry) of expected credit losses and other losses during the current quarter compared to the same quarter of the last year is	Net impairment charge for expected credit losses decreased by 38.5%, which is mainly due to a decrease in net impairment charge for expected credit losses on financing due to better quality and composition of the portfolio.
The reason of the increase (decrease) in special commission income during the current quarter compared to the previous quarter is	Net income from investing and financing assets increased by 2%, which is mainly due to increase in the income from investing and financing assets by 3%, however, the return on deposits and financial liabilities increased by 5%.
The reason of the increase (decrease) in the net profit during the current quarter compared to the previous quarter is	Net income has increased due to the decrease in total operating expenses by 1%, which is mainly due to the decrease in net impairment charge for expected credit losses. However, other general and administrative expenses, salaries and employee related benefits and depreciation and amortization have increased. Total operating income have decreased, which is mainly due to the decrease in other operating income, net exchange income and dividend income. However, net income from investing and financing assets, net fee and commission income and net gain on fair value through statement of income (FVSI) instruments have increased.
The reason of the increase (decrease) in the total net provision (reversing entry) of expected credit losses and other losses during the current quarter compared to the previous quarter is	Net impairment charge for expected credit losses decreased by 32%, which is mainly due to a decrease in net impairment charge for expected credit losses on financing due to better quality and composition of the portfolio.
The reason of the increase (decrease) in special commission income during the current period compared to the same period of the last year is	Net income from investing and financing assets increased by 7%, which is mainly due to increase in the income from investing and financing assets by 6%, however, the return on deposits and financial liabilities increased by 5%.
The reason of the increase (decrease) in the net profit during the current period compared to the same period of the last year is	Net income has increased due to the increase in total operating income by 8%, which is mainly due to the increase in net income from investing and financing assets, net fee and commission income, net exchange income and other operating income. However, dividend income, net gain on fair value through statement of income (FVSI) instruments have decreased. Total operating expenses have increased by 5%, which is mainly due to the increase in other general and administrative expenses, salaries and employee related benefits and depreciation and amortization. However, net impairment charge for expected credit losses have decreased.
The reason of the increase (decrease) in the total net provision (reversing entry) of expected credit losses and other losses during the current period compared to the same period of the last year is	Net impairment charge for expected credit losses decreased by 28%, which is mainly due to a decrease in net impairment charge for expected credit losses on financing due to better quality and composition of the portfolio.
Statement of the type of external auditor's report	Unmodified Conclusion
Comment mentioned in the external auditor’s report, mentioned in any of the following paragraphs (other matter, conservation, notice, disclaimer of opinion, or adverse opinion)	None
Reclassification of Comparison Items	None
Additional Information	Earnings per share is calculated by dividing the net income after zakat for the nine months period ended 30 September 2025 and 30 September 2024 by the weighted average outstanding number of shares adjusted for treasury shares, which is 1,491 million shares.