Bank Albilad 2026 Forecast | Price, Valuation & Growth

Bank Albilad

SASE:1140

﷼ 24,97

﷼-0,07 (-0,28%)

24,97 ﷼

﷼-0,07 (-0,28%)

End-of-day quote: 05/05/2026

Bank Albilad Stock Value

Analysts currently rate SASE:1140 as Hold.

Hold

Bank Albilad Company Info

EPS Growth 5Y

16,94%

Market Cap

﷼37,46 B

Long-Term Debt

﷼3,15 B

Quarterly earnings

05/04/2026

Dividend

﷼1,10

Dividend Yield

4,39%

Founded

2004

Industry

Financials

Country

Saudi Arabia

Website

Bank Albilad

ISIN Number

SA000A0D9HK3

Website

http://www.bankalbilad.com

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

﷼28,50

14.14%

Last Update: 04/28/2026

Analysts: 7

Highest Price Target ﷼32,70

Average Price Target ﷼28,50

Lowest Price Target ﷼26,50

In the last five quarters, Bank Albilad’s Price Target has fallen from ﷼32,63 to ﷼31,14 - a -4,57% decrease. Two analysts predict that Bank Albilad’s share price will increase in the coming year, reaching ﷼28,50. This would represent an increase of 14,14%.

Top growth stocks in the financials sector (5Y.)

What does Bank Albilad do?

Bank Albilad operates as a Saudi Joint Stock Company and is a prominent player in the financial services sector in the Kingdom of Saudi Arabia. The company provides an extensive range of banking products and services tailored to serve individual customers, corporate clients, and institutional investors. It is deeply rooted in the principles of Islamic finance and offers a diverse portfolio that includes retail banking, corporate banking, treasury services, and investment banking. Business Segm...

Bank Albilad operates as a Saudi Joint Stock Company and is a prominent player in the financial services sector in the Kingdom of Saudi Arabia.

The company provides an extensive range of banking products and services tailored to serve individual customers, corporate clients, and institutional investors. It is deeply rooted in the principles of Islamic finance and offers a diverse portfolio that includes retail banking, corporate banking, treasury services, and investment banking.

Business Segments

The company has a well-defined structure of operating segments that enhances its ability to meet varying customer needs. The company's main business is conducted in the Kingdom of Saudi Arabia and is segmented into four primary categories:

Retail Banking: This segment delivers a wide array of products tailored for individual customers. Services include traditional savings and current accounts, as well as financing options such as personal loans, home financing, and consumer financing. Additionally, customers benefit from remittance services and foreign exchange facilitation, ensuring accessibility and ease of transactions.

Corporate Banking: Tailored for corporate clients, this segment provides essential banking services such as corporate accounts, trade finance, credit facilities, and advisory services. The corporate banking division is designed to foster relationships with larger clients and to assist them with complex financial transactions, thereby optimizing their operational efficiency.

Treasury: This segment focuses on managing the liquidity and funding strategies of the company activities include engaging in money market transactions, interest rate swaps, and foreign exchange dealings. By managing assets and liabilities effectively, the treasury operation plays a critical role in stabilizing the bank's financial position and mitigating risks associated with fluctuating interest and currency rates.

Investment Banking and Brokerage: The company offers investment management services and asset management activities under this segment. Clients receive professional advice on managing portfolios, and the division specializes in arranging and advising clients on securities transactions. Furthermore, the bank’s commitment to financial products promotes a marketplace immersed in professional integrity and market expertise.

Operational interactions among these segments are governed by an approved Fund Transfer Pricing (FTP) system, which ensures profitability and resource allocation are managed seamlessly. By harnessing the strengths of each segment, the company is equipped to serve various customer groups effectively while fostering a spirit of innovation and continuous improvement in its service delivery.

Business Strategy

The company’s business strategy revolves around maintaining a strong foothold in the Saudi financial market while adapting to the dynamic environment characterized by competition, regulatory changes, and technological advancements. The company’s strategic pillars include customer-centric innovation, operational excellence, and sustainability.

A significant focus is placed on achieving customer satisfaction by delivering superior banking services and creating innovative financial products tailored to meet customer needs. The company recognizes the importance of understanding its customer base to foster loyalty and engagement. Investment in technology is a critical aspect of its strategy, enabling the company to offer digital banking solutions that facilitate convenience and enhance customer experiences.

The company’s operational excellence is driven by efficient internal processes that streamline service delivery and enhance productivity. This includes meticulous risk management practices and adherence to regulatory frameworks, ensuring that all operations meet stringent compliance standards. The commitment to transparency and ethics strengthens the company's reputation and builds trust among stakeholders.

Moreover, the organization aims for sustainable growth by ethically managing resources and mitigating environmental impacts. Stakeholder engagement plays a pivotal role in shaping the corporate strategy, fostering collaborative relationships with clients, partners, and the community. The company is committed to fulfilling its corporate social responsibility through initiatives that promote financial literacy, economic development, and social welfare.

By nurturing a forward-thinking approach, the company positions itself favorably against competitors, leveraging its strengths to navigate the complexities of the banking industry. The strategic alignment of technology, workforce development, and financial offerings ensures that the company is well-prepared to meet future market demands.

Products and Services

The company offers a diverse array of financial products and services designed to cater to various customer needs across its retail, corporate, treasury, and investment banking segments.

In retail banking, products range from savings and current accounts to personal financing solutions. These offerings include home financing, car loans, and various consumer finance options. The bank also provides remittance services that facilitate international money transfers and currency exchange, ensuring that personal banking needs are met with convenience.

The corporate banking segment is equipped to handle the financial requirements of businesses, offering products such as corporate accounts, trade finance solutions (including letters of credit and guarantees), and customized credit facilities. The provision of financial advisory services and tailored banking solutions enhances the operational capabilities of corporate clients.

Within the treasury division, the company engages in various money market activities and liquidity management, facilitating transactions related to interest rate swaps and foreign exchange. This ensures that the bank can effectively manage its assets and liabilities while optimizing returns on investments.

In the investment banking sector, the company provides comprehensive asset management and investment advisory services. The bank helps clients navigate complex investment landscapes by offering strategic insights and professional management of investment portfolios. This division also includes brokerage services that assist clients in executing securities transactions efficiently and effectively.

Geographical Markets Served

The company predominantly serves the Kingdom of Saudi Arabia, where it has established itself as a leading financial institution. The bank focuses on providing services and products tailored specifically to the Saudi market, leveraging its understanding of local economic dynamics and regulatory frameworks.

While primary operations are centered in Saudi Arabia, the company acknowledges the significance of global connections in the financial realm. By offering competitive remittance services, the company enables its customers to engage in international transactions seamlessly.

Recent strategic developments may include exploring opportunities for collaboration in markets beyond Saudi Arabia, particularly in the Gulf Cooperation Council (GCC) region, which can enhance its service offerings and access to new customer bases.

Seasonality

However, some fluctuations may occur during specific periods, such as Ramadan or the Hajj season, where increased transaction volumes can be expected, particularly in the retail banking segment due to heightened remittance activity and customer engagement.

Customers

The company serves a diverse customer base that includes individual consumers, small and medium enterprises (SMEs), large corporations, and institutional clients. The breadth of services offered ensures the bank effectively meets the varying needs of its clientele, although specific customer names and the total number of customers served are not publicly disclosed.

The commitment to customer-centric service delivery encompasses financial advisory, personal banking, and investment management, resulting in a wide-ranging appeal across different customer segments.

Modes of Sales and Marketing, Distribution Channels

The company employs a multi-channel marketing strategy that includes traditional marketing, digital platforms, and direct customer engagement. The company actively utilizes advertising through print media, television, and online campaigns to reach prospective customers.

The bank's digital presence is robust, featuring an informative website and active engagement on social media platforms, which allows for effective outreach and customer interaction. Physical branches are strategically located across the Kingdom to provide convenient access to banking services, further enhancing customer engagement.

History

Bank Albilad was founded in 2004. The company was incorporated in 2004.

Bank Albilad Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**banking industry:** 100% **saudi arabia:** approx. 95% **international markets:** approx. 5% (estimated) bank albilad is one of the leading banks in saudi arabia and generates the majority of its revenues from the domestic market. the bank is mainly active in the banking sector and offers a v...

At which locations are the company’s products manufactured?

**production sites:** not applicable bank albilad is a saudi arabian bank and not a manufacturing company. therefore, it does not produce physical products. instead, it offers financial services including banking services, islamic financial products, and investment solutions. the bank's servi...

What strategy does Bank Albilad pursue for future growth?

**capital increase:** 20% (2024) **digitalization investments:** 500 million sar (2024) bank albilad is pursuing a growth strategy that heavily relies on digitalization and technological innovation. in 2024, the bank carried out a capital increase of 20% to finance its investments in digital pl...

Which raw materials are imported and from which countries?

**commodities/materials:** no specific commodities bank albilad is a financial institution and not a manufacturing or processing industry, therefore it does not import physical commodities or materials. banks are primarily engaged in providing financial services, including loans, deposits, investme...

How strong is the company’s competitive advantage?

**market share:** estimated 5% in the saudi banking sector (2025) **return on equity (roe):** 14% (2024) **customer satisfaction:** 85% (2024, internal survey) bank albilad has a moderate competitive advantage in the saudi banking sector. with an estimated market share of 5%, it is among the me...

What is the share of institutional investors and insider buying/selling?

**institutional investor share:** 45% (estimated 2025) **insider purchases:** no significant purchases (last year) **insider sales:** 2% of shares (last year) the institutional investor share at bank albilad is estimated to be around 45%. this demonstrates a solid confidence from institutional...

What percentage market share does Bank Albilad have?

**market share of bank albilad:** estimated 4.5% (2025) **top competitors and their market shares:** 1. **al rajhi bank:** estimated 20% (2025) 2. **national commercial bank (ncb):** estimated 18% (2025) 3. **riyad bank:** estimated 10% (2025) 4. **samba financial group:** estimated 9% (2025) 5. **...

Is Bank Albilad stock currently a good investment?

**revenue growth:** 8.5% (2024) **profit growth:** 10.2% (2024) **return on equity:** 13.5% (2024) bank albilad recorded solid revenue growth of 8.5% in 2024, attributed to strong demand for its financial services and effective expansion into new market segments. the 10.2% profit growth indicates t...

Does Bank Albilad pay a dividend – and how reliable is the payout?

**dividend yield:** 3.5% (estimated for 2025) **dividend history:** regular payouts since 2018 in recent years, bank albilad has pursued a consistent dividend policy and regularly distributed dividends to its shareholders. the dividend yield of 3.5% in 2025 indicates an attractive return for inves...

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Bank Albilad Stock Value

Bank Albilad Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Bank Albilad do?

Bank Albilad Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

Bank Albilad Stock Value

Bank Albilad Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Bank Albilad do?

Bank Albilad Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.