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Bank Albilad Corporate Profile 1
Bank AlbiladCorporate Profile
1
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
Industry Benchmark
Corporate Social Responsibility Programs and Initiatives
4
5
6
7
8
9
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
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.
Mission
Leading Innovative Banking Solutions
Trust & Accountability Values: Initiative & Innovation Care & Partnership
3
Vision
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
4
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%
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
5
Governance and Management
6
very
Dr.Abdulrahman Ibrahim AlHumaidChairman Of the Board
Mr.Abdulaziz Mohammed AlonaizanCEO & Board Member
Mr.Nasser Mohammed AlSubeaieBoard MemberVice 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
7
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
ShariahCommittee
SME
Sub-Credit Committee
Anti-Fraud Committee
Business Continuity Committee
Information Security Committee
Senior Credit Committee
Board of Directors
Risk Committee
8
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
9
OrganizationalStructure
10
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
TreasuryCorporateBanking
Digital Banking &Innovation
RetailBanking
BusinessDevelopment
NetworkExpansions
Business Lines and Subsidiaries
11
Business LinesWholesale Banking
Business Banking which focuses on the middle markets and small-and-medium enterprises
Financial Institutions focusing on banks and non-banks financial institutions
2
3
Corporate Banking which focuses on corporates, institutional and public sector markets
1 Focuses on individual and retail markets providing deposit-taking and servicing, savings products, remittance, mortgage, auto and personal loans, credit card facilities and currency exchange
Retail Banking
1Focuses on providing trading, money market, foreign exchange, financial derivatives and other treasury services
Treasury
1
Housing InitiativePartnership with the Ministry of Housing and REDF for several home loan products:MoajaalMadooumAlMuyassar
Increase SME contribution to GDP from 20% to 35%Contributed to the Kafalah Fund of the SME AuthorityIntroduced Shariah-compliant product and service options - Ijara, Supply Chain Finance
Tamalok ProgramFinancing program to acquire and construct educational buildings
12
Investment Banking1
2 Asset Management
3 Securities Services
4 Research and Advisory
5 Brokerage
Handling mortgage and real estate assets management of Bank Albilad
13
Branch Network And Customer Touchpoints
14
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
15
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
16
Financial Highlights
17
Financial Highlights I 2018 Performance
18
2,960
2,587
2016 2017
3,416
2018
+15%
+32%
Revenue
2017
942
808
2016 2018
1,111
+18%
+37%
Net Income
• CAGR 3Y amounted to 14.2%• CAGR 5Y amounted to 12.2%
• CAGR 3Y amounted to 12.1%• CAGR 5Y amounted to 8.8%
All Figures in SAR Mln
Financial Highlights I 2018 Performance
19
50,593
43,447
36,178
2016 2017 2018
+16.4%
+40%
Financing
53,749
2016
63,208
2017
73,636
2018
+16.5%
+37%
Total Assets
2017
40,235
2016
47,783
57,176
2018
+19.7%
+42%
Deposits
7,112
2016
7,589
2017
7,833
2018
+3.2%
+10%
Equity
• CAGR 3Y amounted to 13.9%• CAGR 5Y amounted to 16.7%
• CAGR 3Y amounted to 12.9%• CAGR 5Y amounted to 15.2%
• CAGR 3Y amounted to 10.7%• CAGR 5Y amounted to 14.5%
• CAGR 3Y amounted to 6.7%• CAGR 5Y amounted to 9.0%
All Figures in SAR Mln
Financial Highlights I 2018 Performance
20
40%
2017
2%1%
23%
36%
37%
2018
26%2%0%
21%
53,749
63,208
42%
34%
2016
30%
2%1%
73,636+18%
+16%
Other
Corporate banking
Retail banking
Treasury
Investment banking and brokerage
Segment by Assets
13%
2016
23%
6%
7%
4%
28%
24%
48%
11%
39%
2017
36%
808
942
1,111
2018
27%
3%
11%
19%
+17%
+18%
Retail banking Other
Corporate banking
Treasury
Investment banking and brokerage
Segment by Income
All Figures in SAR Mln
Key Financial Ratios
21
ROAA and ROAE% Percentage
1.62%
12.82%
2018
14.40%
1.54%
11.90%
2016
1.61%
2017
+0.08%
+2.50%
ROAA ROAE
55.58%
85.65%
2016
59.62%
2017 2018
53.13%
87.26%
84.22%
-6.48%
-1.43%
Cost to Income LDR
Cost to Income and LDR% Percentage
Financial Highlights I Q1 2019 Performance
22
902921
791
Q1 2018
842
Q2 2018 Q1 2019
880
Q3 2018 Q4 2018
+2%
+16%
Revenue
Q4 2018
256
Q3 2018Q1 2018
276
Q2 2018
287292
317
Q1 2019
+9%
+24%
Net Income
All Figures in SAR Mln
Financial Highlights I Q1 2019 Performance
23
Q3 2018
50,59349,738
47,34045,616
Q1 2018 Q2 2018 Q4 2018
51,409
Q1 2019
+2%
+13%
Financing
Q1 2019
72,902
65,778
Q1 2018
68,407
Q2 2018
70,707
Q4 2018
73,636
Q3 2018
-1%
+11%
Total Assets
Q2 2018
50,774 52,17954,574
57,176
Q1 2019Q3 2018 Q4 2018
57,590
Q1 2018
+1%
+13%
Deposits
All Figures in SAR Mln
Q4 2018Q2 2018
7,941
Q3 2018
7,721
Q1 2018
7,714
7,833
8,271
Q1 2019
+6%
+7%
Equity
Financial Highlights I Q1 2019 Performance
24
66 87
120
129
1016473
73
49
5939
23
21
32
255
85
5
89
5
Q1 2018 Q2 2018
135
Q1 2019
317
43
256276
292
13
Q3 2018
86
287
Q4 2018
+9%
+24%
Corporate banking
Retail banking
Investment banking and brokerage
Treasury Other
All Figures in SAR Mln
69%
1%
Q2 2018
68,407
69%
1%
8%
70,707
1%
13%13%
Q1 2018
8%
9%
8%
9%
2%
69%
1%1%
Q3 2018
11%
8%
11%
70%
1%
11%
9%
8%
Q4 2018
65,778
1%3%
7%
7%
Q1 2019
1%
71%
73,636 72,902-1%
+11%
Financing net
Property and equipment net
Investments net
Cash and balances
Due from banks and other financial institutions, net
Other assets
Segment by Assets Segment by Income
Industry Benchmark
25
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%
26
CAGR for 5 Years
Awards
27
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
28
Corporate Social Responsibility Programs and Initiatives
29
Corporate Social Responsibility Programs and Initiatives
30
