Bank Albilad (1140) Q4 2025 earnings summary

Executive summary

• Total assets increased to SAR 172.97 billion as of December 31, 2025, up from SAR 154.96 billion in 2024.

• Net income after zakat rose to SAR 3.05 billion in 2025, compared to SAR 2.81 billion in 2024.

• Comprehensive income for 2025 was SAR 3.02 billion, reflecting improved profitability.

• The bank expanded its branch network to 108 branches in Saudi Arabia.

Financial highlights

• Operating income grew to SAR 6.19 billion in 2025 from SAR 5.67 billion in 2024.

• Net financing increased to SAR 122.19 billion, up from SAR 109.30 billion year-over-year.

• Investments, net, rose to SAR 31.12 billion from SAR 25.03 billion.

• Customers' deposits reached SAR 132.88 billion, up from SAR 121.78 billion.

• Basic and diluted EPS increased to SAR 1.99 from SAR 1.88.

Outlook and guidance

• The bank issued a USD 650 million Additional Tier 1 Sukuk in May 2025, strengthening capital for future growth.

• Management continues to focus on expanding retail and corporate banking, supported by robust capital adequacy.