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Bank Albilad announces its Interim Financial Results for the Period Ended 31-03-2026 (Three Months) | premargin

Element List	Current Quarter	Similar quarter for previous year	%Change	Previous Quarter	% Change
Total Income From Special Commission of Financing	1,939.6	1,799.7	7.773	1,906	1.762
Total Income From Special Commission of Investment	455.6	392.5	16.076	475.3	-4.144
Net Income From Special Commission of Financing	953.9	870.2	9.618	878.6	8.57
Net Income From Special Commission of Investment	305	291.8	4.523	339.6	-10.188
Total Operations Profit (Loss)	1,529.2	1,463.8	4.467	1,652.5	-7.461
Net Profit (Loss) before Zakat and Income Tax	820.2	780.8	5.046	910.5	-9.917
Net Profit (Loss) Attributable to Shareholders of the Issuer	735.8	700.4	5.054	816.7	-9.905
Total Comprehensive Income Attributable to Shareholders of the Issuer	627.8	898.9	-30.159	565.9	10.938
Total Operating Expenses Before Provisions for Credit and Other Losses	637.4	630.1	1.158	695.3	-8.327
Total Provision of Expected Credit Losses And Other Losses (Reversing Entry), Net	71.5	52.9	35.16	46.7	53.104
All figures are in (Millions) Saudi Arabia, Riyals

Element List	Current Period	Similar period for previous year	%Change
Assets	179,959.2	159,102.7	13.108
Investments	31,338.6	26,388.6	18.758
Loans And Advances Portfolio (Financing And Investment)	129,803	112,427.2	15.455
Clients' deposits	140,294.3	124,017.9	13.124
Total Shareholders Equity (after Deducting Minority Equity)	23,656.9	17,592.1	34.474
Profit (Loss) per Share	0.49	0.47
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 8%, which is mainly due to increase in the income from investing and financing assets by 9%. However, the return on deposits and financial liabilities increased by 10%.
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 4%, which is mainly due to the increase in net income from investing and financing assets and net gain on FVSI Investments. However, net exchange income and net fee and commission income, dividend income and other operating income have decreased. Total operating expenses have increased by 4%, which is mainly due to the increase of net impairment charge for expected credit losses, depreciation & amortization, salaries and employee related benefits and other general and administrative expenses.
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 increased by 35%, which is mainly due to increase in net impairment charge for expected credit losses on financing.
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 3%, which is mainly due to increase in income from investing and financing assets by 1% and decrease in return on deposits and financial liabilities by 2%.
The reason of the increase (decrease) in the net profit during the current quarter compared to the previous quarter is	Net income has decreased due to the decrease of total operating income by 7%, which is mainly due to the decrease in other operating income and dividend income. However, net income from investing and financing assets, net gain on FVSI Investments, net exchange income and net fee and commission income have increased. Total operating expenses have decreased by 4%, due to the decrease in other general and administrative expenses, salaries and employee related benefits and depreciation & amortization. However, net impairment charge for expected credit losses has 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 increased by 53%, which is mainly due to increase in net impairment charge for expected credit losses on financing.
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	Some items have been reclassified
Additional Information	Earnings per share is calculated by dividing the net income after zakat for the three months period ended 31 March 2026 and 31 March 2025 (after deduction of Tier 1 sukuk costs) by the weighted average outstanding number of shares adjusted for treasury shares, which is 1,488 million shares.