Bank Albilad (TADAWUL:1140)

Bank Albilad Income Statement

Financials in millions SAR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	8,952	8,559	7,544	4,972	3,761	3,627
Interest Income on Investments	93.05	103.25	70.25	63.35	34.78	15.47
Total Interest Income	9,045	8,663	7,614	5,035	3,796	3,642
Interest Paid on Deposits	4,274	4,126	3,434	1,085	271.76	333.94
Net Interest Income	4,771	4,537	4,180	3,950	3,524	3,308
Net Interest Income Growth (YoY)	8.34%	8.54%	5.83%	12.08%	6.54%	16.20%
Gain (Loss) on Sale of Investments	14.16	14.16	87.79	29.03	-28.82	-64.45
Other Non-Interest Income	1,231	1,121	1,035	1,212	1,088	1,018
Total Non-Interest Income	1,245	1,135	1,123	1,241	1,060	953.95
Non-Interest Income Growth (YoY)	10.29%	1.10%	-9.56%	17.15%	11.08%	-13.16%
Revenues Before Loan Losses	6,016	5,672	5,303	5,191	4,584	4,262
Provision for Loan Losses	77	129.69	323.83	550.65	569.67	694.51
Revenue	5,939	5,542	4,979	4,641	4,014	3,568
Revenue Growth (YoY)	12.09%	11.31%	7.29%	15.61%	12.52%	4.86%
Salaries and Employee Benefits	1,500	1,424	1,321	1,249	1,169	1,153
Occupancy Expenses	293.33	273.38	298.3	290.41	276.45	260.43
Selling, General & Administrative	775.45	715.62	718.8	780.19	688.69	652.67
Total Non-Interest Expense	2,569	2,413	2,338	2,320	2,134	2,066
EBT Excluding Unusual Items	3,370	3,129	2,641	2,321	1,880	1,502
Pretax Income	3,370	3,129	2,641	2,321	1,880	1,502
Income Tax Expense	347.08	322.27	272.02	239.04	193.66	153.17
Earnings From Continuing Operations	3,023	2,807	2,369	2,082	1,687	1,349
Net Income	3,023	2,807	2,369	2,082	1,687	1,349
Net Income to Common	3,023	2,807	2,369	2,082	1,687	1,349
Net Income Growth	15.21%	18.47%	13.80%	23.43%	25.07%	8.42%
Basic Shares Outstanding	1,490	1,490	1,490	1,493	1,494	1,492
Diluted Shares Outstanding	1,490	1,490	1,490	1,493	1,494	1,492
Shares Change (YoY)	-0.03%	-	-0.14%	-0.10%	0.13%	-
EPS (Basic)	2.03	1.88	1.59	1.39	1.13	0.90
EPS (Diluted)	2.03	1.88	1.59	1.39	1.13	0.90
EPS Growth	15.25%	18.47%	13.96%	23.55%	24.90%	8.42%
Dividend Per Share	-	-	0.333	0.333	-	-
Effective Tax Rate	10.30%	10.30%	10.30%	10.30%	10.30%	10.20%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.