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Bank Albilad Corporate Profile
Bank AlbiladCorporate Profile
Vision, Mission and Values 1
Quick Facts about Bank Albilad2
Governance and Management3
Business Lines and Subsidiaries
Branch Network and Customer Touchpoints
Financial Highlights
Awards
Corporate Social Responsibility Programs and Initiatives
4
5
6
7
8
Contents
2
To strive through initiatives and innovation to provide our banking services on a genuine Islamic basis to meet the ambitions of our stakeholders: clients, employees and shareholders
To be the preferred choice of genuine Islamic banking solutions
Mission
Trust & Accountability Values: Care & Partnership
Vision
3
Our Values • Initiatives and Innovations • Care and Partnership • Trust and Accountability
Solid & Sustainable Growth
Maximize and sustain growth by boosting & diversifying revenue streams, manage cost, improve productivity, establish ROI driven-culture, elevate corporate governance, top in class compliance and risk management.
Transformative Customer Experience
Increase customer loyalty by understanding their needs, provide tailored value preposition, innovative banking solutions and digital transformation. Leverage analytics capability and excel in after sales services.
Adoptive & Healthy Operating Environment
Highly adaptable structure to accommodate evolving operating model, increase operations reliability and enhance employee engagement. Attract and retain best talent to carry out the implementation of the strategy.
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Quick Facts About Bank AlbiladBank Albilad is a full-fledged Islamic banking services provider
150 Branches145 Branches + 5 Sales
Centers (5th widest coverage in the
Kingdom)
EstablishedNovember 4,
2004
Joint Stock Company
180 Remittance Centers
2nd largest in the Kingdom
Capital SAR 7.5 Billion
Licensed by Saudi Arabian
Monetary Authority
Head Office Riyadh, KSA
Employees+ 3,500
employees
ATMs888 (7th largest in
the Kingdom)
Major Stockholders
A3
19.24%
11.14%42.57%
Mohamed S.H. Seirafi
Mohammed Ibrahim Alsubaie & Sons Co.
5.08%
Abdulrahman A.S. Al-Rajhi
6.57% Khalid A.S. Al-Rajhi
Abdullah I. AlSubaie Investment Co.Other
10.54%
6
Share Performance
Capital Increases (SAR Billons)Performanceٍ Summary (31 Mar 2019) Share price performance7.5
6
5
4
3
20192016201520142013
10
15
20
25
30Closing Price (SAR) 23.88
52 week range (SAR) 24.79/17.62
Free Float 52%
Shares issued (Million) 750
3M Avg Daily Volume (Shares) 697,582
7
Governance and Management
very
Dr.Abdulrahman Ibrahim AlHumaidChairman Of the Board
Mr.Abdulaziz Mohammed AlonaizanBoard Member & CEO
Mr.Nasser Mohammed AlSubeaieVice Chairman Of the Board
Mr.Khalid Abdulrahman Al-rajhiBoard Member
Mr.Khalid Abdulaziz AlMukairinBoard Member
Mr.Fahad Abdullah BinDekhayelBoard Member
Mr.Ahmed Abdulrahman AlHussanBoard Member
Mr.Haytham Suliman AlSuhaimiBoard Member
Dr. Zeyad Othman AlhekailBoard Member
Mr.Sameer Omar BaeisaBoard Member
Mr.Adeeb Mohammed AbanumaiBoard Member
Board of Directors
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Board Committee Structure and Reporting Lines
General Assembly
Nomination and Compensation
Committee
Audit Committee
Compliance and Governance Committee
Executive Committee
Compliance CommitteeALCO Risk Management
CommitteeManagement Committee
ShariaaCommittee
SME
Sub-Credit Committee
Anti-Fraud Committee
Business Continuity Committee
Information Security Committee
Senior Credit Committee
Board of Directors
Risk Committee
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Executive Management
Abdulaziz Mohammed AlOnaizanChief Executive Officer
Hisham Ali AlAkilGM Finance Division
Abdullah Mohammed AlarifiChief Risk Officer
Haitham Medainy AlMedainyGM Human Resources Division
Abdullah Mohammed AlFehaidGM Internal Audit Division
Hamad Ibrahim AlEssaGM Compliance & AML Division
Saleh Suliman AlHabibChief Operations Officer
Yousef Mohammed AlKheleiwiChief Governance Officer & Corporate Secretary
Jameel Nayef AlhamdanGM Corporate Banking Group
Ehab Mohammed HassoubahGM Retail Banking Group
Samer Mohammed FarhoudGM Treasury Division
Omar Abdulrahman AlHussainGM Enjaz Division
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InternalAudit
Division
Risk Management
Group
Operations Management
Group
Compliance & Governance Committee
Business Management
Group
Enjaz
DivisionHR Division
MarketingDivision
Finance Division
LegalDivision
Sharia Division
ComplianceDivision
Chief Executive Officer
Audit Committee
CGO&
Corporate Secretary
REMCOExecutive
CommitteeRisk
Committee
ShariahCommittee
General Assembly
Board of Directors
CorporateBanking
Digital Banking &
Innovation
RetailBanking
BusinessDevelopment
NetworkExpansions
Treasury
OrganizationalStructure
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Business Lines and Subsidiaries
Business LinesCorporate Banking Retail Banking Treasury
Housing InitiativePartnership with the Ministry of Housing and REDF for several home loan products:
Increase SME contribution to GDP from 20% to 35%• Support small and medium enterprises in line with Kingdom’s Vision 2030• Contribute in the SMEs Loan Guarantee Program (KAFALAH).
• Moajaal • Madooum • AlMuyassar • Off-Plan Finance
Focuses on:
• Financing corporates, institutional and public sector markets
• Financing middle markets and small-and-medium enterprises
• Financial Institutions, including:
Banks and non-banks financial institutions
Focuses on:
• Providing based deposits services
• Saving, remittance and exchange services
• Personal and mortgage financing
• Credit cards
• Payments solutions for trade
Focuses on:
• Investing in capital markets
• Liquidity and foreign exchange
• Treasury services for branches and
customers
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Investment Banking1
2 Asset Management
3 Securities Services
4 Research and Advisory
5 Brokerage
Handling mortgage and real estate assets management of Bank Albilad
Branch Network And Customer Touchpoints
Region Branches Sales Center Total
Riyadh 38 2 40
Makkah & Taif 11 0 11
Eastern 25 1 26
Qassim 20 0 20
Southern 20 0 20
Jeddah 18 1 19
Madina/Yanbu/Tabuk 13 1 14
Total 145 5 150
Region Total
Riyadh 53
Makkah & Taif 11
Eastern 32
Qassim 21
Southern 20
Jeddah 25
Madina/Yanbu/Tabuk 18
Total 180
Branch Network - Geographical Distribution
Branch Network
Enjaz Network
21
11
5340
3226
2020
20
1814
11
2519
17
Customer Touchpoints
UNDERSTAND... each customer’s unique needs and find the right solutions to meet those needs.
CONNECT...with each customer, taking advantage of every opportunity to serve.
Internet Banking & Mobile Devices
ANTICIPATE ...our customers’ needs, allowing them to gain maximum value from each contact with customer service.
Branches, Enjaz & Sales
Centers
Other Channels
LISTEN AND RESPOND...to our custors in a timely manner via the channel of their preference.
Contact Center
Internet Social Media
Financial Highlights
FY2018 Performance vs. Market
VS
CAGR 17%
FinancingSAR 51 Billion
CAGR 14%
DepositsSAR 57 Billion
CAGR 9%
EquitySAR 8 Billion
CAGR 12%
Operating Income SAR 3,416 Million
CAGR 9%
Net IncomeSAR 1,111 Million
CAGR 15%
AssetsSAR 74 Billion
CAGR 5%
FinancingSAR 1,408 Billion
CAGR 3%
DepositsSAR 1,700 Billion
EquitySAR 348 Billion
CAGR 5%
Operating IncomeSAR 91,338 Million
CAGR 6%
Net IncomeSAR 49,972 Million
CAGR 4%
AssetsSAR 2,267 Billion
CAGR 6%
CAGR for 5 Years
20
1.9
20172016 2018
1.4
1.6
+36%
EPS (in SAR)
1.54%
2016 2017 2018
1.61%
1.62%
+0.1%
ROA%
53.13%
2016 2017 2018
59.62%
55.58%
-6.5%
Cost to Income%
2016 2017 2018
11.90%
12.82%
14.40%
+2.5%
ROE%
Financial Highlights I Key Financial Indicators 2018
21
2,587
2016
2,960
2017
3,416
2018
+15%
+32%
Operating Income
2018
808
942
2016 2017
1,111
+18%
+37.4%
Net Income
• CAGR 3Y amounted to 14.9%
1,645
1,540
2016 2017
1,815
2018
+10%
+17.9%
Operating Expenses (Exclude provisions)
2016 2018
238
379
2017
490
+30%
+105.7%
Provisions
Financial Highlights I 2018 PerformanceAll Figures in SAR Mln
• CAGR 3Y amounted to 17.2% • CAGR 3Y amounted to 8.6% • CAGR 3Y amounted to 43.4%
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Financial Highlights I 2018 Performance
50,593
36,178
2016
43,447
2017 2018
+16%
+40%
Financing
53,749
2016
63,208
2017
73,636
2018
+16%
+37%
Total Assets
40,235
2016
47,783
2017
57,176
2018
+20%
+42%
Deposits
7,112
2016
7,589
2017
7,833
2018
+3%
+10%
Equity
• CAGR 3Y amounted to 18.3% • CAGR 3Y amounted to 17.0% • CAGR 3Y amounted to 19.2% • CAGR 3Y amounted to 4.9%
All Figures in SAR Mln
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Financial Highlights I 2018 Performance
30.4%
26.0%
0.7%
2.3%
2017
40.4%
37.4%
1.2%
23.0%
36.2%
2018
2.2%
21.4%
0.4%
63,208
73,636
41.9%
34.1%
2016
2.4%53,749
+16%
+37%
OtherRetail banking
Corporate banking
Treasury
Investment banking and brokerage
Assets Mix
39%
28%
20182017
7%
36%
27%
19%13%
11%
4%
24%
942
1,111
808
48%
2016
11%3% 23%
6% +18%
+37%
Retail banking
Corporate banking
Investment banking and brokerage
Treasury
Other
Income Mix
All Figures in SAR Mln
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0.43
0.53
Q1 2018 Q2 2018 Q3 2018 Q4 2018 Q1 2019
0.46
0.48 0.48
+23.26%
EPS (in SAR)
1.62%
Q1 2018 Q2 2018 Q3 2018 Q4 2018 Q1 2019
1.59%
1.63%1.62%
1.73%
+0.14%
ROA%
Q1 2018 Q4 2018Q2 2018 Q3 2018 Q1 2019
55.30%
50.60%
55.60%
51.20%
52.10%
-3.50%
Cost to Income%
Q4 2018Q1 2018 Q2 2018 Q3 2018 Q1 2019
13.38%
13.91%14.06%
14.40%
15.73%
+2.35%
ROE%
Financial Highlights I Key Financial Indicators Q1 2019
25
Q1 2019
791
842
Q1 2018 Q2 2018 Q3 2018
902
Q4 2018
921
880
+2%
+16%
Operating Income
Q1 2019
256
Q1 2018
276
292
317
287
Q4 2018Q2 2018 Q3 2018
+9%
+24%
Net Income
445440
Q2 2018Q1 2018
432
480
Q1 2019
499
Q4 2018Q3 2018
-4%
+9%
Operating Expenses (Exclude provisions)
112
95
148
Q1 2018
135
Q2 2018 Q3 2018 Q4 2018 Q1 2019
125
+12%
+31%
Provisions
Financial Highlights I Q1 2019 PerformanceAll Figures in SAR Mln
26
Financial Highlights I Q1 2019 Performance
Q1 2018 Q3 2018
45,616
47,340
Q4 2018
51,409
Q1 2019Q2 2018
49,73850,593
+2%
+13%
Financing
Q2 2018
65,778
Q1 2018
73,636
68,407
70,707
Q3 2018
72,902
Q1 2019Q4 2018
-1%
+11%
Total Assets
52,179
54,574
Q1 2018
57,590
Q3 2018
50,774
Q2 2018
57,176
Q4 2018 Q1 2019
+1%
+13%
Deposits
All Figures in SAR Mln
8,271
Q1 2019Q3 2018
7,721
Q1 2018 Q4 2018
7,941
7,714
Q2 2018
7,833
+6%
+7%
Equity
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Financial Highlights I Q1 2019 Performance
66 87
120
129
1016473
73
49
5939
23
21
32
25
Q1 2019
292
13
Q3 2018
86
276 5
135
287
5
256
317
Q2 2018
85
43
Q1 2018 Q4 2018
5
89
+9%
+24%
Investment banking and brokerage
Retail banking Treasury
Corporate banking
Other
All Figures in SAR Mln
1% 7%
70%
13%
1%
11%
Q1 2018
1%1%
8%8%
1%
8%
Q1 2019
11%
Q3 2018
1% 1%2%
69%
9%
9%
8%
Q4 2018
3%
69%
1%
11%
71%
70,70768,407
72,902
Q2 2018
9%
65,778
73,636
8%
13%
69%
7%
-1%
+11%
Financing net
Due from banks and other financial institutions, net
Investments net
Property and equipment net
Cash and balances
Other assets
Assets Mix Income Mix
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Awards
Best Foreign Commodity Dealer – Bursa Malaysia 2015
Top 100 Brands in Saudi Arabia – 2015
Best Performing Islamic Bank – KSA
Best Banking Operations Quality Award – JP Morgan
Strongest Islamic Retail Bank - KSA
Best Digital Bank in Saudi Arabia - Global Business Outlook 2018
Mr. Abdulaziz AlOnaizan, CEO of Bank Albilad wins an award as one of the Top 10 CEOs in the
Shariah-Compliant Bank in GCC Region during The Top CEO Conference & Awards 2019 in Bahrain
Awards
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Corporate Social Responsibility Programs and Initiatives
Corporate Social Responsibility Programs and Initiatives
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