Bank Albilad (1140) investor relations material

Strategic vision and objectives

• Aims to be the preferred provider of innovative Islamic banking solutions, leveraging digital transformation and human capital to enhance customer experience and value propositions.

• Focuses on sustainable growth, digital leadership, and innovative services for SMEs.

• Core values include initiative, innovation, care, partnership, trust, and accountability.

Organizational structure and governance

• Operates with a comprehensive board and executive management, supported by specialized committees for risk, audit, compliance, technology, and Sharia governance.

• Maintains over 108 branches and several subsidiaries, including Albilad Capital, Albilad Real Estate, Enjaz Payment Services, and Dufaa.

• Recognized for strong corporate governance, with 100% board meeting attendance and zero fines for non-compliance.

Financial performance highlights

• Achieved steady growth in financing (+6%), investments (+1%), and customer deposits (+6%) as of March 2026.

• Net income after zakat rose 5% year-on-year, driven by higher net yield income and stable operating expenses.

• Return on average equity reached 17.13%, with a cost-to-income ratio of 41.7% and a net profit margin of 3.05%.

• Asset quality remains strong, with an NPL ratio of 1.19% and coverage ratio at 157%.

• Capital adequacy ratio stands at 20.7%, and liquidity ratios (LCR 120.3%, NSFR 107.6%) are well above regulatory requirements.