Bank Albilad · TADAWUL:1140
Bank Albilad — FY2025 Earnings Presentation
21 slides from Bank Albilad's earnings presentation, 2025
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 2024 2013 2014 2015 2016 2019 2022 2024 2025 Distribute Interim cash dividends for the first Half of 2025 Total Dividend 675
Slide 5: Board of Directors
BOARD OF DIRECTORS Mr. Nasser AlSubeaie Chairman – Non-Executive Member Mr. Mr. Adeeb Abanumai Abdulaziz Alonaizan Vice Chairman – Independent Member Executive Member – Chief Executive Officer Mr. Mr. Mr. Mr. Mr. Mr. Mr. Mr. Abdulaziz Albassam Haytham AlSuhaimi Muadh Alhusaini Haitham Alfayez Mohamme
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 Compliance and Committee Sharia Committee Governance Committee Risk Committee Compliance and Anti- Management Financial Crime SME ALCO Senior Credit Commi
Slide 7: Executive Management
EXECUTIVE MANAGEMENT Abdulaziz AlOnaizan Bashaar Alqunaibit Saleh AlHabib Abdullah Alarifi Mishal Alshorihy Senior EVP Business Chief Executive Officer EVP Shared Services EVP Risk Management EVP Finance Samer Farhoud Saad Al Drees Haitham AlMedainy Waleed AlDhubaib Abulaziz AlGhufaili EVP Treasury
Slide 8: Organizational Structure
Organizational Structure General Assembly REMCO Board of Directors Audit Committee Sharia Compliance & Risk Executive Governance Committee Committee Committee Committee Corporate Secretariat & Chief Executive Governance Risk Management Technology Officer Compliance & anti financial Internal Group Di
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 - Saving, remittance and - Financing small-and-medium enterprises exchange services - Financial
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 Dec 2025 Dec 2024 YTD% Due from banks and other Fis 5,883 5,099 15% Assets Movement ’ Bn Investments, net 31,123 25,032 24% +12% Financing, net 122,188 109,304 12% 173.0 Total assets
Slide 12: Financial Performance | Financing and Investments
Financial Performance | Financing and Investments Financing, Net Growth ’ Bn Financing, Net Movements ’ Bn +12% +12% 122.2 109.3 122.2 91.2 102.1 82.9 52.5 58.4 7.0 46.1 50.2 109.3 5.9 41.1 41.9 45.1 51.9 56.8 63.8 Dec 21 Dec 22 Dec 23 Dec 24 Dec 25 Total Retail Corporate Total Dec 2024 Dec 2025 Ret
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 +9% +9% 132.9 121.8 132.9 121.8 112.8 112.8 94.8 81.1 79.5 94.8 77.2 76.2 81.1 69.5 67.0 36.6 44.6 53.4 14.1 25.4 Dec 21 Dec 22 Dec 23 Dec 24 Dec
Slide 14: Financial Performance | Net Income Highlights
Financial Performance | Net Income Highlights Strong net income growth boosted by higher net yield income ' Mn Dec 2025 Dec 2024 Change % Net yield income Net Yield Income 4,752 4,434 318 7% ’ Mn Non yield income 1,238 +7% 1,440 202 16% Operating income 6,192 5,672 520 9% 4,752 4,434 Operating Expen
Slide 15: Financial Performance | Return Indicators
Financial Performance | Return Indicators Strong and stable return indicators ▪ Steady ROAA and ROAE at 1.86%,17.13% respectively. Return on Average Assets (%) Return on Average Equity (%) 1.88% 1.86% 17.57% 17.13% 16.40% 16.53% 1.73% 1.74% 14.85% 1.63% Dec 21 Dec 22 Dec 23 Dec 24 Dec 25 Dec 21 Dec
Slide 16: Financial Performance | Asset quality
Financial Performance | Asset quality Movement in NPL ’ Mn NPL Ratio (%) -9% 1,215 1.37% 1.33% 1.10% 1.19% 0.98% 1,330 -98 -17 Dec 2024 Corporate Retail Dec 2025 Dec 21 Dec 22 Dec 23 Dec 24 Dec 25 Cost of Risk (%) NPL Coverage Ratio (%) 0.72% 280.2% 0.61% 228.3% 0.33% 0.15% 202.1% 198.4% 0.12% 197.9
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 +22% +11% 25.7 127.4 19.6 21.0 4.4 110.1 114.7 16.0 17.5 4.3 99.1 4.1 4.3 13.4 14.2 4.0 85.5 21.4 13.4 15.3 16.7 12.1 Dec 21 Dec
Slide 18: Appendix
PRE Oe A we SUS, Ee Bank Albilad Appendix
Slide 19: ESG Highlights
ESG Highlights Bank Albilad’s Sustainability Framework and Performance Banks sustainability performance Transparent Acting on the effective Empowering environmental responsible employees footprint governance • Bank Albilad received the Excellence Award • Environmentally friendly branch launched; • A
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Slide 21: Investor Relations Contacts
Investor Relations Contacts Investor Relations Email IR@bankalbilad.com For more information and access to our disclosures, please click below to visit our webpage Investor Relations Webpage Link to 2023 Annual Report Link to 2023 Sustainability Report Link to 2024 Annual Report IR App Albilad App A