Bank Albilad (1140) Q3 2025 earnings summary

Executive summary

• Net income after zakat for the nine months ended September 30, 2025, reached SAR 2,232.6 million, up from SAR 2,016.6 million year-over-year.

• Total assets grew to SAR 167.9 billion as of September 30, 2025, compared to SAR 153.7 billion a year earlier.

• The bank issued a USD 650 million Additional Tier 1 Sukuk and increased share capital via a bonus share issuance.

Financial highlights

• Total operating income for the nine months was SAR 4,539.4 million, up from SAR 4,195.4 million year-over-year.

• Net financing (loans) increased to SAR 119.1 billion from SAR 106.7 billion year-over-year.

• Customers' deposits rose to SAR 129.0 billion from SAR 122.3 billion year-over-year.

• Basic and diluted EPS for the nine months was SAR 1.50, up from SAR 1.35 year-over-year.

• Interim cash dividend of SAR 675 million was distributed for H1 2025.

Outlook and guidance

• The bank continues to focus on expanding its capital base and maintaining strong capital adequacy ratios.

• Ongoing investments in digital transformation and product offerings are expected to support future growth.