Financial Review
Financial Performance
The annual financial results of Bank Albilad, as of year-end 31-12-2025, demonstrated continuous profit growth stemming from advances across all banking activities. The Bank’s net income after Zakat, reached SAR 3,049 million, compared to SAR 2,807 million in 2024, marking an increase of 9%.
This significant growth primarily resulted from a 9% increase in total operating income, driven by a surge in the net income from investment and financing assets, which escalated to SAR 4,752 million. Concurrently, total operating expenses increased by 10%, totaling SAR 2,792 million, which is mainly due to the increase in other general and administrative expenses, salaries and employee related benefits, net impairment charge for expected credit losses and depreciation & amortization.
Bank’s net income, after
Zakat, reached
3,049
Million
Net income from investment and financing assets
4,752
Million
Financial Position
Assets
By the end of 2025 Bank Albilad’s total assets had grown to SAR 172,972 million, up from SAR 154,965 million in 2024, marking an increase of SAR 18,007 million or 12%. This growth in assets primarily resulted from expansions in the bank’s financing and investments.
Net Financing and Investments
The net financing portfolio saw an increase of SAR 12,884 million or 12%, culminating in SAR 122,188 million as of December 2025. The investment portfolio also expanded, reaching SAR 31,123 million, marking an increase of SAR 6,091 million or 24% over the previous year.
Liabilities
Deposits climbed to SAR 132,879 million, reflecting an increase of SAR 11,103 million or 9% over the past year. Total liabilities similarly rose to SAR 151,616 million, up by SAR 13,345 million or 10% compared to the previous year.
Owners’ Equity
Total equity surged by SAR 4,663 million, or 28%, ending the year at SAR 21,356 million compared to SAR 16,693 million at the end of 2024. This increase is primarily attributed to the increase in the bank’s share capital, issuing Tier 1 Sukuk and enhanced net income. The number of issued common shares increased to 1,500 million. The Tier I + Tier II ratio stood at 20.20% by year-end 2025. Post-Zakat, the bank’s return on average assets reached 1.86%, while the return on average equity was 17.13%, and earnings per share reached SAR 1.99.
Total equity surged
6,663
Million
Ending the year
21,356
Million
compared to
16,693
Million
at the end of 2024
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Operational Review
