Slide 1: Bank Albilad Investor Presentation
Bank Albilad Investor Presentation
Slide 2: Disclaimer
Disclaimer This document is prepared for information purposes only. It should not be construed as an offer to sell or a solicitation of an offer to purchase or subscribe to any investment in the Bank. The information contained in this document may contain certain forward-looking statements and shoul
Slide 3: Bank Strategy
Bank Strategy VISION To be the preferred choice of innovative Islamic banking solutions STRATEGIC REVIEW Since our establishment in 2004, Bank Albilad has been at the forefront of modern Islamic financial solutions, guided by a steadfast commitment to innovation and excellence. Our strategic adapt-
Slide 4: Key Highlights
Key Highlights Capital increase ’ bn 15.0 Bank Albilad is among 12.5 10.0 the largest banks 7.5 in the Middle East 6.0 5.0 4.0 3.0 in terms of market value according to Forbes 2025 2013 2014 2015 2016 2019 2022 2024 2025 Distribute Interim cash dividends for the second Half of 2025 Total Dividend 82
Slide 5: Board of Directors
BOARD OF DIRECTORS Mr. Mr. Mr. Mr. Abdulaziz Alonaizan Nasser AlSubeaie Zaid Algwaiz Mr. Khalid Abdulrahman Chairman Vice Chairman Independent Member Adeeb Abanumai Saleh Alrajhi Independent Member Non-Executive Member Non-Executive Member Non-Executive Member Mr. Nasser AlNasser Independent Member
Slide 6: Board Committee Structure and Reporting Lines
Board Committee Structure and Reporting Lines General Assembly Remuneration and Board of Directors Audit Committee Nomination Committee Executive Technology and Digital Compliance and Committee Transformation Committee Governance Committee Sharia Committee Risk Committee Compliance and Anti- Managem
Slide 7: Executive Management
EXECUTIVE MANAGEMENT Bashaar Alqunaibit Saleh AlHabib Abdullah Alarifi Mishal Alshorihy Chief Executive Officer EVP Shared Services EVP Risk Management EVP Finance Saad Al Drees Haitham AlMedainy Waleed AlDhubaib Abulaziz AlGhufaili EVP Corporate Banking EVP Human Resources EVP Retail Banking EVP Te
Slide 8: Organizational Structure
Organizational Structure General Assembly REMCO Board of Directors Audit Committee Technology and Compliance & Sharia Risk Executive Digital Governance Committee Committee Transformation Committee Committee Committee Corporate Secretariat & Chief Executive Governance Risk Management Technology Offic
Slide 9: Business Lines & Subsidiaries
BUSINESS LINES & SUBSIDIARIES Corporate Banking Retail Banking Focuses on: Focuses on: - Financing corporates, institutional and - Providing deposits – based BUSINESS LINES public sector markets services Albilad Real Estate - Saving, remittance and - Financing small-and-medium enterprises Company Lt
Slide 10: Financial Performance
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Slide 11: Financial Performance | Balance Sheet Highlights
Financial Performance | Balance Sheet Highlights Steady growth in financing, investment and customers' deposits ' Mn Jun 2026 Dec 2025 YTD% Due from banks and other Fis 8,140 5,883 38% Assets Movement ’ Bn Investments, net 32,113 31,123 3% +8% Financing, net 133,418 122,188 9% 186.5 Total assets 186
Slide 12: Financial Performance | Financing and Investments
Financial Performance | Financing and Investments Financing, Net Growth ’ Bn Financing, Net Movements ’ Bn +9% +9% 133.4 119.1 122.2 129.8 133.4 115.7 55.6 56.9 58.4 61.1 61.8 7.8 122.2 3.4 60.1 62.2 63.8 68.7 71.6 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Total Retail Commercial Total Dec 2025 Jun 2026 Re
Slide 13: Financial Performance | Customers' Deposits
Financial Performance | Customers’ Deposits Steady growth in total deposits driven by CASA Total Customers’ Deposits ’ Bn Customers’ Deposits by type ’ Bn +11% +11% 147.2 140.3 147.2 123.9 129.0 132.9 140.3 132.9 82.9 84.5 129.0 80.6 85.8 79.5 123.9 43.3 43.2 53.4 57.4 62.7 Jun 25 Sep 25 Dec 25 Mar
Slide 14: Financial Performance | Net Income Highlights
Financial Performance | Net Income Highlights Strong net income growth boosted by higher net yield income ' Mn Jun 2026 Jun 2025 Change % Net yield income Net Yield Income (QTD) 2,531 2,339 192 8% ’ Mn Non yield income 611 666 -55 -8% +8% Operating income 1,272 3,142 3,005 137 5% 1,259 Operating Exp
Slide 15: Financial Performance | Return Indicators
Financial Performance | Return Indicators Strong and stable return indicators Return on Average Assets (%) Return on Average Equity (%) 16.75% 16.93% 17.13% 15.38% 15.92% 1.85% 1.84% 1.86% 1.67% 1.70% Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Cost to Income Ratio (%) Net
Slide 16: Financial Performance | Asset quality
Financial Performance | Asset quality Movement in NPL ’ Mn NPL Ratio (%) +23% 1,490 1.19% 1.10% 236 1.05% 0.95% 0.98% 1,215 39 Dec 2025 Retail Commercial Jun 2026 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Cost of Risk (%) NPL Coverage Ratio (%) 190.3% 204.7% 197.9% 0.18% 0.19% 0.18% 157.0% 160.3% 0.15% 0.1
Slide 17: Financial Performance | Capitalization & Liquidity
Financial Performance | Capitalization & Liquidity Capital and liquidity ratios maintained well above regulatory requirements Total Capital ’ Bn Risk-Weighted Assets ’ Bn -4% +9% 25.7 27.7 138.6 25.2 25.4 24.8 134.1 4.2 1.2 4.4 4.5 4.4 127.4 13.4 14.2 124.8 23.5 23.6 121.3 20.8 20.9 21.4 Jun 25 Sep
Slide 18: Appendix
PRE Oe A we SUS, Ee Bank Albilad Appendix
Slide 19: Bank Albilad's Sustainability Framework and Performance
Bank Albilad’s Sustainability Framework and Performance Bank Albilad is currently formalizing its approach to advancing sustainable development across the Kingdom. Set out below is the Bank’s sustainability business model, which defines what sustainability means for the Bank and highlights its mater
Slide 20: Program & Initiative
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Slide 21: Investor Relations Contacts
Investor Relations Contacts Investor Relations Email IR@bankalbilad.com.sa For more information and access to our disclosures, please click below to visit our webpage Investor Relations Webpage Link to 2024 Sustainability Report Link to 2025 Annual Report Dufaa App IR App Albilad App Albilad Tadawul