Bank Albilad · TADAWUL:1140
Bank Albilad — Q3 2023 Earnings Presentation
23 slides from Bank Albilad's earnings presentation, 2023
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: Vision, Mission and Values
Vision To be the preferred choice of innovative Islamic banking solutions Mission To leverage digital transformation, network, and human capital to deliver the highest levels of customer experience and competitive value propositions in the best interests of our clients, employees, shareholders and t
Slide 4: Bank Albilad is a full-fledged Islamic banking services provider
Bank Albilad is a full-fledged Islamic banking services provider Subsidiaries Albilad Investment Company Investment and Asset Management Head Office: Riyadh No. of Employees: +3,700 Albilad Real Estate Company Ltd. Registration procedures for real estate guarantees obtained by the bank from its No.
Slide 5: Board of Directors
Board of Directors Mr. Nasser Mohammed AlSubeaie Chairman - Non Executive Mr. Mr. Adeeb Mohammed Abanumai Abdulaziz Mohammed Alonaizan Deputy Chairman - Independent Executive Mr. Mr. Mr. Mr. Mr. Mr. Dr. Haytham Suliman AlSuhaimi Muadh Abdulrahman Alhusaini Haitham Mohammad Alfayez Mohammed Abdulrahm
Slide 6: Board Committee Structure and Reporting Lines
Board Committee Structure and Reporting Lines General Assembly Board of Directors Executive Remuneration and Compliance and Sharia Audit Committee Nomination Committee Governance Risk Committee Committee Committee Committee Management Senior Credit Compliance and Anti- SME Committee ALCO Risk Manage
Slide 7: Executive Management
Executive Management Abdulaziz Mohammed AlOnaizan Bashaar Yahya Alqunaibit Saleh Suliman AlHabib Abdullah Mohammed Alarifi Hisham Ali AlAkil Chief Executive Officer Senior EVP Business EVP Shared Services EVP Risk Management EVP Finance Samer Mohammed Farhoud Saad Ibrahim Al Drees Haitham Medainy Al
Slide 8: Organizational Structure
Organizational Structure General Assembly Board of Directors Shariah Compliance & Audit Risk Executive Governance Committee REMCO Committee Committee Committee Committee Corporate Chief Executive Secretariat & Officer Governance Digital Strategy and Marketing Internal Customer Compliance & Risk Tech
Slide 9: Business Lines
Business Lines Corporate Banking Retail Banking Treasury Focuses on: Focuses on: Focuses on: • Financing corporates, institutional and public sector markets • Providing deposits – based services • Investing in capital markets • Financing small-and-medium enterprises • Saving, remittance and exchange
Slide 10: Subsidiaries
Subsidiaries 1 Investment Banking 4 Research and Advisory 2 Asset Management 5 Brokerage 3 Securities Services Mortgage and Real Estate assets management Remittance Services, Major Electronic Money Institution
Slide 11: Financial Performance
Financial Performance
Slide 12: Financial Position Highlights
Financial Position Highlights Strong growth in Financing, Investment and Deposits SAR' Mn September 2023 Dec 2022 change % September 2022 YoY YoY% Liabilities movement SAR’ Bn Investments 21,584 20,600 984 5% 19,050 2,534 13% +6% Financing 101,602 91,179 10,423 11% 92,288 9,314 10% 123 14 Total asse
Slide 13: Financial Position Highlights
Financial Position Highlights Healthy growth in Financing Strong growth in total deposits driven by Time deposits Financing, net growth SAR’ Bn Customers’ deposits growth SAR’ Bn +15% +11% 105.5 106.2 108.9 101.6 93.9 94.8 92.3 91.2 95.4 98.8 49.4 69.9 69.7 69.6 45.1 46.1 47.0 48.0 74.2 69.5 47.2 45
Slide 14: Statement of Income Highlights
Statement of Income Highlights Strong net income growth boosted by higher Net Yield Income • Net Income improved by 14% Y-o-Y Net income before zakat SAR’ Mn • Operating Income increased by 3% Y-o-Y, exceeding SAR 3.9 Bn • Net yield income grew 7 % Y-o-Y +14% 1,719 1,964 S A R' M n S e pte mbe r 202
Slide 15: Cost to Income
Cost to Income Lower cost to income ratio achieved through higher total operating income and cost control • Operating Income increased by 3% Y-o-Y, exceeding SAR 3.9 Bn Operating income trend SAR’ Mn • Operating expenses increased 1% Y-o-Y +1% • Continuous focus on efficiency improved cost to income
Slide 16: Return Indicators
Return Indicators Strong and stable return indicators Return on average assets (%)* • SAR 0.22 growth in earning per share YoY. • Steady ROAA and ROAE at 1.76%,16.77% respectively. 1.76% 1.73% 1.73% 1.73% 1.69% Earnings per share* SAR Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 +14% * ROAA has ben
Slide 17: Asset Quality
Asset Quality Cost of risk ratio improved NPL coverage ratio remains healthy Cost of risk (%) NPL coverage ratio (%) 0.61% 0.62% 236% 228% 0.50% 203% 193% 191% 0.40% 0.37% Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 NPL ratio remains at acceptable level
Slide 18: Capital Adequacy and Liquidity
Capital Adequacy and Liquidity Capital and Liquidity ratios maintained well above regulatory requirements Total capital SAR’ Bn Risk-weighted assets SAR’ Bn +10% +11% 18.3 18.4 18.9 17.2 17.5 4.2 4.2 4.3 4.1 4.1 99.1 105.7 104.6 106.9 96.1 13.4 14.2 13.1 13.4 14.1 14.2 14.6 Sep 2022 Dec 2022 Mar 202
Slide 19: Appendix
Appendix
Slide 20: Bank Albilad's Sustainability Framework
Bank Albilad’s Sustainability Framework Bank Albilad is in the process of formalizing its approach to promoting sustainable development throughout the Kingdom and beyond. Below is the Bank’s sustainability framework, which defines what sustainability means for the Bank and highlights the material ES
Slide 21: Summary of Bank Albilad's sustainability performance
Summary of Bank Albilad’s sustainability performance Below are highlights of the Banks sustainability performance from each of the Bank’s sustainability framework pillars: Transparent effective Sustainable banking Acting on the environmental responsible governance practices footprint - Bank Albilad
Slide 22: 6yslro_5 1Il#
6yslro_5 1Il# s2ai3all algguuall aolis, SLL, Bank Albilad Program & Inititative 7 9 @ 22
Slide 23: Investor Relations Contact
Investor Relations Contact Email: IR@bankalbilad.com Click below to visit our webpage: Investor Relations Webpage IR App Albilad App Enjaz App Albilad Tadawul