Bank Albilad (1140) investor relations material

Executive summary

• 9M 2026 net income after zakat was SAR 2.268bn vs SAR 2.233bn; Q3 net income was SAR 740.2m vs SAR 766.5m.

• 9M operating income reached SAR 4.759bn vs SAR 4.539bn; total assets were SAR 185.890bn at September 30, 2026.

• The independent auditors’ review concluded that nothing came to their attention indicating the interim financial information was not prepared, in all material respects, under IAS 34.

Financial highlights

• 9M net income before zakat was SAR 2.528bn vs SAR 2.489bn; after zakat, SAR 2.268bn vs SAR 2.233bn.

• 9M net income from investing and financing assets was SAR 3.803bn vs SAR 3.533bn; net fee and commission income was SAR 529.0m vs SAR 562.8m.

• 9M total operating expenses were SAR 2.231bn vs SAR 2.050bn; net expected credit loss impairment was SAR 209.7m vs SAR 134.7m.

• Basic and diluted EPS for 9M was SAR 1.43 vs SAR 1.49; Q3 EPS was SAR 0.46 vs SAR 0.51.

• Total comprehensive income for 9M was SAR 1.876bn vs SAR 2.449bn, including other comprehensive loss of SAR 392.0m vs income of SAR 216.6m.

Segment performance

• 9M income before zakat: retail SAR 198.7m, corporate SAR 1.134bn, treasury SAR 1.048bn, and investment banking and brokerage SAR 147.4m.

• 9M retail operating income was SAR 1.771bn vs SAR 1.751bn; corporate was SAR 1.524bn vs SAR 1.383bn.

• 9M treasury operating income was SAR 1.157bn vs SAR 1.064bn; investment banking and brokerage was SAR 306.5m vs SAR 341.6m.

• September 30, 2026 segment assets: retail SAR 72.946bn, corporate SAR 71.172bn, treasury SAR 40.121bn, and investment banking and brokerage SAR 1.652bn.