Financial Results : Bank Albilad’s net profit drops 9% to SAR 788 mln in 2015

Bank Albilad’s net profit drops 9% to SAR 788 mln in 2015

14/01/2016 Argaam Exclusive

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Bank Albilad, Saudi Arabia's smallest bank by assets, reported a net profit of SAR 788.4 million for the 2015 fiscal year, marking an 8.8 percent year-on-year (YOY) decline which the bank mainly attributed to higher expenses and impairment charges.



Financials (M)

Item 2014 2015 Change‬
Net Income from investments and financial activities 1,019.18 1,162.39 14.1 %
Operating Income 2,097.05 2,294.62 9.4 %
Total Provisions 7.52 (78.69) (1146.7 %)
Net Income 864.03 788.42 (8.8 %)
Average Shares 1,250.00 1,250.00 -
EPS (Riyals) 0.69 0.63 (8.8 %)

 

The bank’s Q4-2015 net profit amounted to SAR 204.4 million; an 18 percent drop compared to SAR 248.9 million in the same quarter in 2014.  Profit for the period was 0.5 percent higher when compared to the previous quarter.



Current Quarter Comparison (M)

Compared With The
Item Q4 2014 Q4 2015 Change‬
Net Income from investments and financial activities 268.75 310.22 15.4 %
Operating Income 535.01 588.13 9.9 %
Debt Provisions 27.44 (7.72) (128.1 %)
Net Income 248.94 204.38 (17.9 %)
Average Shares 1,250.00 1,250.00 -
EPS (Riyals) 0.20 0.16 (17.9 %)

Balance Sheet (B)

Item 2014 2015 Change‬
Assets 45.23 51.22 13.2 %
Customer Deposits 36.72 42.18 14.9 %
Financing Investments 28.36 34.25 20.8 %


Financial results (Million)

Period Net Income from investments and financial activities Change Operating Income Change Debt Provisions Change
Q1 2006 72.88 - 206.16 - - -
Q2 2006 99.61 - 162.61 - - -
Q3 2006 92.80 - 142.10 - - -
Q4 2006 93.67 - 144.03 - - -
Q1 2007 109.79 50.7 % 171.23 (16.9 %) - -
Q2 2007 129.41 29.9 % 202.50 24.5 % - -
Q3 2007 146.30 57.7 % 197.41 38.9 % - -
Q4 2007 148.93 59.0 % 207.42 44.0 % - -
Q1 2008 146.86 33.8 % 223.19 30.3 % - -
Q2 2008 147.42 13.9 % 231.49 14.3 % - -
Q3 2008 135.09 (7.7 %) 217.86 10.4 % - -
Q4 2008 148.89 0.0 % 202.04 (2.6 %) (19.80) -
Q1 2009 140.46 (4.4 %) 216.80 (2.9 %) (23.46) -
Q2 2009 138.42 (6.1 %) 238.54 3.0 % (24.53) -
Q3 2009 144.77 7.2 % 229.75 5.5 % (50.53) -
Q4 2009 124.46 (16.4 %) 223.96 10.8 % (203.84) (929.4 %)
Q1 2010 148.48 5.7 % 286.09 32.0 % (43.34) (84.7 %)
Q2 2010 152.17 9.9 % 262.11 9.9 % (61.86) (152.2 %)
Q3 2010 162.88 12.5 % 272.67 18.7 % (90.64) (79.4 %)
Q4 2010 161.22 29.5 % 278.27 24.2 % (46.47) 77.2 %
Q1 2011 164.93 11.1 % 308.44 7.8 % (51.02) (17.7 %)
Q2 2011 178.45 17.3 % 337.98 28.9 % (50.26) 18.7 %
Q3 2011 176.74 8.5 % 334.56 22.7 % (50.93) 43.8 %
Q4 2011 182.87 13.4 % 392.53 41.1 % (100.04) (115.3 %)
Q1 2012 193.90 17.6 % 419.81 36.1 % (65.74) (28.9 %)
Q2 2012 205.62 15.2 % 444.52 31.5 % (57.84) (15.1 %)
Q3 2012 214.61 21.4 % 434.32 29.8 % (86.36) (69.6 %)
Q4 2012 225.38 23.2 % 438.74 11.8 % (65.28) 34.7 %
Q1 2013 221.95 14.5 % 449.81 7.1 % (64.65) 1.7 %
Q2 2013 227.73 10.8 % 481.49 8.3 % (44.01) 23.9 %
Q3 2013 246.85 15.0 % 486.78 12.1 % (40.07) 53.6 %
Q4 2013 250.10 11.0 % 499.15 13.8 % (26.55) 59.3 %
Q1 2014 227.06 2.3 % 477.51 6.2 % (4.65) 92.8 %
Q2 2014 258.97 13.7 % 533.99 10.9 % (24.41) 44.5 %
Q3 2014 264.41 7.1 % 550.55 13.1 % 9.14 122.8 %
Q4 2014 268.75 7.5 % 535.01 7.2 % 27.44 203.3 %
Q1 2015 271.92 19.8 % 555.18 16.3 % (16.12) (246.6 %)
Q2 2015 286.56 10.7 % 584.92 9.5 % (29.13) (19.3 %)
Q3 2015 293.70 11.1 % 566.39 2.9 % (25.73) (381.7 %)
Q4 2015 310.22 15.4 % 588.13 9.9 % (7.72) (128.1 %)
2015 1,162.39 14.1 % 2,294.62 9.4 % (78.69) (1146.7 %)


Profit Performance (Million)

Period Net Income Change EPS(Riyal) Extraordinary Income/Expense Net Profit Before Unusual Items EPS Before XO Items
Q1 2006 102.88 - 0.08 - 102.88 0.08
Q2 2006 44.25 - 0.04 - 44.25 0.04
Q3 2006 30.72 - 0.02 - 30.72 0.02
Q4 2006 0.27 - 0.00 - 0.27 0.00
Q1 2007 25.69 (75.0 %) 0.02 - 25.69 0.02
Q2 2007 34.71 (21.5 %) 0.03 - 34.71 0.03
Q3 2007 39.11 27.3 % 0.03 - 39.11 0.03
Q4 2007 (27.06) (10273.7 %) (0.02) - (27.06) (0.02)
Q1 2008 50.83 97.8 % 0.04 - 50.83 0.04
Q2 2008 57.00 64.2 % 0.05 - 57.00 0.05
Q3 2008 44.64 14.1 % 0.04 - 44.64 0.04
Q4 2008 (27.39) (1.2 %) (0.02) - (27.39) (0.02)
Q1 2009 22.35 (56.0 %) 0.02 - 22.35 0.02
Q2 2009 26.85 (52.9 %) 0.02 - 26.85 0.02
Q3 2009 1.90 (95.7 %) 0.00 - 1.90 0.00
Q4 2009 (299.49) (993.3 %) (0.24) - (299.49) (0.24)
Q1 2010 52.58 135.3 % 0.04 - 52.58 0.04
Q2 2010 32.84 22.3 % 0.03 - 32.84 0.03
Q3 2010 2.37 24.4 % 0.00 - 2.37 0.00
Q4 2010 4.54 101.5 % 0.00 - 4.54 0.00
Q1 2011 55.46 5.5 % 0.04 - 55.46 0.04
Q2 2011 81.67 148.7 % 0.07 - 81.67 0.07
Q3 2011 85.47 3514.0 % 0.07 - 85.47 0.07
Q4 2011 107.03 2258.5 % 0.09 - 107.03 0.09
Q1 2012 511.52 822.4 % 0.41 373.17 138.35 0.11
Q2 2012 153.45 87.9 % 0.12 - 153.45 0.12
Q3 2012 120.15 40.6 % 0.10 - 120.15 0.10
Q4 2012 156.69 46.4 % 0.13 - 156.69 0.13
Q1 2013 142.50 (72.1 %) 0.11 - 142.50 0.11
Q2 2013 175.87 14.6 % 0.14 - 175.87 0.14
Q3 2013 197.08 64.0 % 0.16 - 197.08 0.16
Q4 2013 213.71 36.4 % 0.17 - 213.71 0.17
Q1 2014 173.71 21.9 % 0.14 - 173.71 0.14
Q2 2014 204.32 16.2 % 0.16 - 204.32 0.16
Q3 2014 237.06 20.3 % 0.19 - 237.06 0.19
Q4 2014 248.94 16.5 % 0.20 - 248.94 0.20
Q1 2015 174.14 0.2 % 0.14 - 174.14 0.14
Q2 2015 206.46 1.0 % 0.17 - 206.46 0.17
Q3 2015 203.44 (14.2 %) 0.16 - 203.44 0.16
Q4 2015 204.38 (17.9 %) 0.16 - 204.38 0.16
2015 788.42 (8.8 %) 0.63 - 788.42 0.63

Profitability

Period Return On Average Assets Return on Average Equity Net Profit/Investment Income & Other Financing Operations
Q1 2006 - - -
Q2 2006 - - -
Q3 2006 - - -
Q4 2006 - - 47.67 %
Q1 2007 1.13 % 3.34 % 22.93 %
Q2 2007 0.78 % 2.99 % 18.07 %
Q3 2007 0.82 % 3.22 % 16.20 %
Q4 2007 0.52 % 2.36 % 10.14 %
Q1 2008 0.69 % 3.15 % 12.99 %
Q2 2008 0.78 % 3.81 % 15.98 %
Q3 2008 0.81 % 3.94 % 17.93 %
Q4 2008 0.77 % 3.96 % 18.69 %
Q1 2009 0.57 % 3.02 % 14.92 %
Q2 2009 0.42 % 2.05 % 10.60 %
Q3 2009 0.15 % 0.72 % 3.81 %
Q4 2009 (1.48 %) (7.99 %) (43.41 %)
Q1 2010 (1.21 %) (6.92 %) (38.25 %)
Q2 2010 (1.20 %) (6.66 %) (36.40 %)
Q3 2010 (1.17 %) (6.62 %) (35.13 %)
Q4 2010 0.48 % 3.02 % 14.29 %
Q1 2011 0.47 % 3.06 % 14.28 %
Q2 2011 0.70 % 4.57 % 20.72 %
Q3 2011 1.08 % 7.10 % 31.98 %
Q4 2011 1.35 % 10.11 % 45.28 %
Q1 2012 3.12 % 22.13 % 104.23 %
Q2 2012 3.33 % 23.43 % 110.00 %
Q3 2012 3.41 % 23.74 % 109.21 %
Q4 2012 3.28 % 24.19 % 109.44 %
Q1 2013 1.91 % 13.52 % 64.38 %
Q2 2013 1.91 % 13.56 % 65.20 %
Q3 2013 2.13 % 14.78 % 70.96 %
Q4 2013 2.21 % 15.40 % 74.81 %
Q1 2014 2.16 % 15.50 % 77.30 %
Q2 2014 2.12 % 15.53 % 77.24 %
Q3 2014 2.13 % 15.67 % 79.16 %
Q4 2014 2.12 % 15.72 % 80.55 %
Q1 2015 2.03 % 15.21 % 77.12 %
Q2 2015 1.92 % 14.99 % 75.48 %
Q3 2015 1.78 % 13.97 % 70.53 %
Q4 2015 1.63 % 12.78 % 63.64 %
2015 1.63 % 12.78 % 63.64 %

Balance Sheet (B)

Period Assets Change Customer Deposits Change Financing Investments Change
Q1 2006 6.52 - 3.07 - 5.55 -
Q2 2006 8.16 - 4.88 - 7.03 -
Q3 2006 8.60 - 5.17 - 7.43 -
Q4 2006 11.28 - 7.86 - 9.64 -
Q1 2007 11.30 73.3 % 7.98 160.0 % 9.74 75.5 %
Q2 2007 15.35 88.1 % 9.81 101.2 % 13.45 91.4 %
Q3 2007 15.78 83.4 % 11.87 129.8 % 13.69 84.2 %
Q4 2007 16.64 47.5 % 12.69 61.5 % 6.19 (35.8 %)
Q1 2008 17.09 51.2 % 13.22 65.7 % 13.20 35.5 %
Q2 2008 15.33 (0.1 %) 11.39 16.1 % 11.96 (11.1 %)
Q3 2008 15.34 (2.8 %) 10.54 (11.2 %) 12.04 (12.0 %)
Q4 2008 16.05 (3.5 %) 10.97 (13.5 %) 8.28 33.7 %
Q1 2009 17.06 (0.1 %) 12.91 (2.4 %) 9.09 (31.2 %)
Q2 2009 16.41 7.0 % 12.71 11.6 % 10.28 (14.0 %)
Q3 2009 17.02 10.9 % 12.14 15.2 % 10.56 (12.3 %)
Q4 2009 17.41 8.5 % 13.72 25.1 % 11.01 33.1 %
Q1 2010 18.98 11.2 % 14.32 10.9 % 11.19 23.1 %
Q2 2010 18.92 15.3 % 15.00 18.0 % 11.81 14.9 %
Q3 2010 19.18 12.7 % 14.81 22.0 % 11.66 10.3 %
Q4 2010 21.12 21.3 % 16.93 23.4 % 12.29 11.6 %
Q1 2011 21.89 15.3 % 17.51 22.3 % 12.62 12.7 %
Q2 2011 22.46 18.7 % 17.30 15.3 % 13.01 10.2 %
Q3 2011 22.78 18.8 % 17.96 21.3 % 13.02 11.7 %
Q4 2011 27.73 31.3 % 23.04 36.1 % 13.78 12.1 %
Q1 2012 28.54 30.4 % 22.91 30.8 % 15.06 19.4 %
Q2 2012 29.06 29.4 % 23.61 36.5 % 16.21 24.6 %
Q3 2012 29.53 29.6 % 23.55 31.1 % 17.21 32.2 %
Q4 2012 29.78 7.4 % 23.74 3.1 % 18.26 32.5 %
Q1 2013 31.33 9.8 % 25.28 10.4 % 18.69 24.1 %
Q2 2013 33.35 14.8 % 26.82 13.6 % 20.31 25.3 %
Q3 2013 33.58 13.7 % 26.33 11.8 % 21.21 23.3 %
Q4 2013 36.32 22.0 % 29.11 22.6 % 23.42 28.3 %
Q1 2014 39.01 24.5 % 31.39 24.2 % 24.28 29.9 %
Q2 2014 40.98 22.9 % 33.35 24.3 % 26.76 31.7 %
Q3 2014 44.06 31.2 % 36.80 39.8 % 27.52 29.7 %
Q4 2014 45.23 24.5 % 36.72 26.2 % 28.36 21.1 %
Q1 2015 46.31 18.7 % 37.86 20.6 % 29.09 19.8 %
Q2 2015 49.14 19.9 % 38.30 14.8 % 31.68 18.4 %
Q3 2015 49.50 12.3 % 40.72 10.6 % 32.29 17.3 %
Q4 2015 51.22 13.2 % 42.18 14.9 % 34.25 20.8 %

Ratios

Period Customer Deposits Per Total Assets Financing Investments/Customer Deposits Financing Investments/Total Assets
Q1 2006 47.06 % 180.78 % 85.07 %
Q2 2006 59.73 % 144.09 % 86.07 %
Q3 2006 60.03 % 143.85 % 86.36 %
Q4 2006 69.66 % 122.74 % 85.49 %
Q1 2007 70.60 % 122.05 % 86.17 %
Q2 2007 63.89 % 137.07 % 87.58 %
Q3 2007 75.24 % 115.32 % 86.77 %
Q4 2007 76.28 % 48.78 % 37.21 %
Q1 2008 77.39 % 99.82 % 77.25 %
Q2 2008 74.29 % 105.00 % 78.00 %
Q3 2008 68.69 % 114.27 % 78.49 %
Q4 2008 68.35 % 75.44 % 51.56 %
Q1 2009 75.67 % 70.38 % 53.26 %
Q2 2009 77.48 % 80.87 % 62.66 %
Q3 2009 71.31 % 87.06 % 62.08 %
Q4 2009 78.80 % 80.27 % 63.26 %
Q1 2010 75.44 % 78.16 % 58.96 %
Q2 2010 79.31 % 78.74 % 62.45 %
Q3 2010 77.24 % 78.70 % 60.79 %
Q4 2010 80.19 % 72.58 % 58.20 %
Q1 2011 80.02 % 72.03 % 57.64 %
Q2 2011 77.04 % 75.21 % 57.94 %
Q3 2011 78.83 % 72.48 % 57.13 %
Q4 2011 83.09 % 59.81 % 49.70 %
Q1 2012 80.27 % 65.75 % 52.78 %
Q2 2012 81.26 % 68.65 % 55.78 %
Q3 2012 79.74 % 73.08 % 58.28 %
Q4 2012 79.73 % 76.89 % 61.31 %
Q1 2013 80.70 % 73.92 % 59.65 %
Q2 2013 80.44 % 75.72 % 60.91 %
Q3 2013 78.40 % 80.57 % 63.17 %
Q4 2013 80.14 % 80.44 % 64.46 %
Q1 2014 80.47 % 77.34 % 62.23 %
Q2 2014 81.40 % 80.22 % 65.29 %
Q3 2014 83.53 % 74.78 % 62.46 %
Q4 2014 81.19 % 77.21 % 62.69 %
Q1 2015 81.74 % 76.84 % 62.81 %
Q2 2015 77.94 % 82.72 % 64.47 %
Q3 2015 82.26 % 79.30 % 65.24 %
Q4 2015 82.35 % 81.21 % 66.88 %


Per Share Data (Riyal)

Compared With The
Period Shares Outstanding (M) EPS (Riyal) Adjusted EPS (Riyal) EPS Diluted (Riyal) Book Value (BV)
Q1 2006 1,250.00 - - - 2.40
Q2 2006 1,250.00 - - - 2.43
Q3 2006 1,250.00 - - - 2.46
Q4 2006 1,250.00 0.14 0.14 - 2.42
Q1 2007 1,250.00 0.08 0.08 - 2.44
Q2 2007 1,250.00 0.07 0.07 - 2.47
Q3 2007 1,250.00 0.08 0.08 - 2.50
Q4 2007 1,250.00 0.06 0.06 - 2.48
Q1 2008 1,250.00 0.08 0.08 - 2.52
Q2 2008 1,250.00 0.10 0.10 - 2.57
Q3 2008 1,250.00 0.10 0.10 - 2.59
Q4 2008 1,250.00 0.10 0.10 - 2.57
Q1 2009 1,250.00 0.08 0.08 - 2.60
Q2 2009 1,250.00 0.05 0.05 - 2.63
Q3 2009 1,250.00 0.02 0.02 - 2.64
Q4 2009 1,250.00 (0.20) (0.20) - 2.40
Q1 2010 1,250.00 (0.17) (0.17) - 2.45
Q2 2010 1,250.00 (0.17) (0.17) - 2.46
Q3 2010 1,250.00 (0.17) (0.17) - 2.47
Q4 2010 1,250.00 0.07 0.07 - 2.48
Q1 2011 1,250.00 0.08 0.08 - 2.52
Q2 2011 1,250.00 0.12 0.12 - 2.58
Q3 2011 1,250.00 0.18 0.18 - 2.64
Q4 2011 1,250.00 0.26 0.26 - 2.73
Q1 2012 1,250.00 0.63 0.33 - 3.16
Q2 2012 1,250.00 0.69 0.39 - 3.27
Q3 2012 1,250.00 0.71 0.42 - 3.37
Q4 2012 1,250.00 0.75 0.45 - 3.50
Q1 2013 1,250.00 0.46 0.46 - 3.62
Q2 2013 1,250.00 0.48 0.48 - 3.75
Q3 2013 1,250.00 0.54 0.54 - 3.91
Q4 2013 1,250.00 0.58 0.58 - 4.08
Q1 2014 1,250.00 0.61 0.61 - 4.23
Q2 2014 1,250.00 0.63 0.63 - 4.38
Q3 2014 1,250.00 0.66 0.66 - 4.55
Q4 2014 1,250.00 0.69 0.69 - 4.71
Q1 2015 1,250.00 0.69 0.69 - 4.86
Q2 2015 1,250.00 0.69 0.69 - 4.87
Q3 2015 1,250.00 0.67 0.67 - 4.98
Q4 2015 1,250.00 0.63 0.63 - 5.15

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Adjusted P/E Price/book
Q1 2006 - - 15.17
Q2 2006 - - 9.92
Q3 2006 - - 7.28
Q4 2006 More than 100 More than 100 3.96
Q1 2007 More than 100 More than 100 3.53
Q2 2007 More than 100 More than 100 2.78
Q3 2007 More than 100 More than 100 3.03
Q4 2007 More than 100 More than 100 3.90
Q1 2008 More than 100 More than 100 3.03
Q2 2008 More than 100 More than 100 3.69
Q3 2008 More than 100 More than 100 3.69
Q4 2008 More than 100 More than 100 2.62
Q1 2009 More than 100 More than 100 2.41
Q2 2009 More than 100 More than 100 2.37
Q3 2009 More than 100 More than 100 2.03
Q4 2009 NEG NEG 2.10
Q1 2010 NEG NEG 2.09
Q2 2010 NEG NEG 2.01
Q3 2010 NEG NEG 1.97
Q4 2010 More than 100 More than 100 1.90
Q1 2011 More than 100 More than 100 1.87
Q2 2011 40.24 40.24 1.79
Q3 2011 24.26 24.26 1.67
Q4 2011 18.13 18.13 1.75
Q1 2012 10.91 20.78 2.17
Q2 2012 9.37 16.59 1.96
Q3 2012 9.51 16.35 2.01
Q4 2012 9.04 14.97 1.95
Q1 2013 17.48 17.48 2.21
Q2 2013 17.08 17.08 2.17
Q3 2013 18.87 18.87 2.60
Q4 2013 19.21 19.21 2.75
Q1 2014 22.42 22.42 3.23
Q2 2014 22.67 22.67 3.27
Q3 2014 26.68 26.68 3.89
Q4 2014 20.66 20.66 3.03
Q1 2015 21.26 21.26 3.02
Q2 2015 22.08 22.08 3.14
Q3 2015 14.73 14.73 1.97
Q4 2015 15.62 15.62 1.91

Business Segments (Million)

Compared With The
Period Retail Corporate and Institutional Banking Global markets and Treasury Investment Banking and Brokerage Others Remittances ( Enjaz Centers)
Q1 2006 45.35 100.59 31.83 - 25.79 2.61
Q2 2006 43.34 59.64 25.52 - 26.04 8.07
Q3 2006 37.65 47.85 12.67 - 28.36 15.57
Q4 2006 35.69 33.14 21.61 - 31.64 21.95
Q1 2007 33.68 49.87 42.11 - 26.61 18.96
Q2 2007 39.44 82.05 21.75 - 29.53 29.74
Q3 2007 38.87 82.68 12.89 - 33.73 29.25
Q4 2007 45.91 92.18 18.44 - 16.84 34.04
Q1 2008 53.45 102.68 24.41 - 7.48 35.16
Q2 2008 47.77 99.93 26.61 - 20.03 37.14
Q3 2008 46.68 101.56 0.78 17.00 10.68 41.16
Q4 2008 6.48 108.57 11.69 12.03 24.00 39.27
Q1 2009 52.51 92.95 4.87 12.38 3.66 50.44
Q2 2009 67.07 96.00 13.30 14.60 (1.31) 48.89
Q3 2009 21.00 77.26 87.28 3.26 (0.03) 40.97
Q4 2009 95.63 65.29 43.32 5.21 14.51 -
Q1 2010 133.14 103.02 31.24 8.35 10.35 -
Q2 2010 128.03 90.01 32.80 10.29 0.98 -
Q3 2010 159.09 74.17 29.24 6.79 3.37 -
Q4 2010 151.01 86.08 34.01 7.53 (0.36) -
Q1 2011 179.47 88.48 20.50 9.52 10.47 -
Q2 2011 192.55 99.42 22.41 14.95 8.65 -
Q3 2011 204.28 93.78 24.26 7.78 4.45 -
Q4 2011 219.47 126.47 26.02 10.69 9.88 -
Q1 2012 241.11 118.81 30.91 18.52 10.46 -
Q2 2012 261.73 119.22 32.57 18.17 12.83 -
Q3 2012 254.41 124.91 30.06 14.59 10.35 -
Q4 2012 243.68 136.57 31.71 11.83 14.95 -
Q1 2013 257.22 135.34 27.66 14.33 15.26 -
Q2 2013 264.54 134.89 28.33 23.60 30.13 -
Q3 2013 269.28 152.66 30.52 13.20 21.11 -
Q4 2013 269.04 154.16 32.37 15.55 28.03 -
Q1 2014 274.17 129.83 34.19 17.18 22.14 -
Q2 2014 283.90 162.80 33.34 21.15 32.81 -
Q3 2014 286.30 168.17 33.43 23.51 39.13 -
Q4 2014 291.45 175.40 37.14 17.37 13.65 -
Q1 2015 297.14 174.28 40.34 20.20 23.22 -
Q2 2015 320.04 179.49 40.35 19.74 25.31 -
Q3 2015 309.89 184.09 43.80 14.69 13.92 -
Q4 2015 320.79 195.70 37.65 19.96 14.03 -

Analysts Estimates (Million)

Item Q4 2015 (e) Q4 2015 (a) Change‬
Average 225.15 204.38 (9.2 %)

Estimates vs Actual (Million)

Item Q4 2015 (e) Q4 2015 (a) Change
Value Capital 213.00 204.38 (4.0) %
AlJazira Capital 214.10 204.38 (4.5) %
SFC 216.00 204.38 (5.4) %
Alistithmar Capital 233.80 204.38 (12.6) %
OSOOL AND BAKHEET 237.00 204.38 (13.8) %
SNB Capital 237.00 204.38 (13.8) %


Financial Ratios
Current
Market Cap (M) 44,937.50
Shares Outstanding ((M)) 1,250.00
EPS ( Riyal) (TTM) 2.10
EPS Diluted ( Riyal) (TTM) 2.11
Book Value (BV) ( Riyal) 12.91
Par Value ( Riyal) 10.00
Adjusted P/E (Last12) 17.13
P/E (TTM) 17.13
Price/book 2.79
Return on Average Assets (%) (TTM) 1.8
Return on Average Equity (%) (TTM) 17.1
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Share Price

Bank Albilad
35.95
(0.10) (0.28 %)

Bank Albilad (ALBILAD)

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