Bank Albilad (TADAWUL:1140)

Bank Albilad Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	9,143	8,559	7,544	4,972	3,761
Interest Income on Investments	103.83	103.25	70.25	63.35	34.78
Total Interest Income	9,247	8,663	7,614	5,035	3,796
Interest Paid on Deposits	4,392	4,126	3,434	1,085	271.76
Net Interest Income	4,855	4,537	4,180	3,950	3,524
Net Interest Income Growth (YoY)	7.02%	8.54%	5.83%	12.08%	6.54%
Gain (Loss) on Sale of Investments	17.01	14.16	87.79	29.03	-28.82
Other Non-Interest Income	1,320	1,121	1,035	1,212	1,088
Total Non-Interest Income	1,337	1,135	1,123	1,241	1,060
Non-Interest Income Growth (YoY)	17.75%	1.10%	-9.56%	17.15%	11.08%
Revenues Before Loan Losses	6,192	5,672	5,303	5,191	4,584
Provision for Loan Losses	181.36	129.69	323.83	550.65	569.67
Revenue	6,011	5,542	4,979	4,641	4,014
Revenue Growth (YoY)	8.45%	11.31%	7.29%	15.61%	12.52%
Salaries and Employee Benefits	1,533	1,424	1,321	1,249	1,169
Occupancy Expenses	303.49	273.38	298.3	290.41	276.45
Selling, General & Administrative	774.86	715.62	718.8	780.19	688.69
Total Non-Interest Expense	2,611	2,413	2,338	2,320	2,134
EBT Excluding Unusual Items	3,400	3,129	2,641	2,321	1,880
Pretax Income	3,400	3,129	2,641	2,321	1,880
Income Tax Expense	350.15	322.27	272.02	239.04	193.66
Earnings From Continuing Operations	3,049	2,807	2,369	2,082	1,687
Net Income	3,049	2,807	2,369	2,082	1,687
Preferred Dividends & Other Adjustments	85.19	-	-	-	-
Net Income to Common	2,964	2,807	2,369	2,082	1,687
Net Income Growth	8.65%	18.47%	13.80%	23.43%	25.07%
Basic Shares Outstanding	1,491	1,491	1,490	1,493	1,494
Diluted Shares Outstanding	1,491	1,491	1,490	1,493	1,494
Shares Change (YoY)	-	0.04%	-0.14%	-0.10%	0.13%
EPS (Basic)	1.99	1.88	1.59	1.39	1.13
EPS (Diluted)	1.99	1.88	1.59	1.39	1.13
EPS Growth	5.62%	18.42%	13.96%	23.55%	24.90%
Dividend Per Share	1.000	0.500	0.333	0.333	-
Dividend Growth	100.00%	50.02%	-	-	-
Effective Tax Rate	10.30%	10.30%	10.30%	10.30%	10.30%

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