Bank Albilad SJSC

Bank Albilad maintains a capital structure characterized by total assets of SAR 172.97 billion and total equity of SAR 21.36 billion. The debt-to-equity ratio stands at 0.17, indicating a conservative leverage profile relative to equity. Long-term debt is recorded at SAR 3.56 billion, while operating cash flow reaches SAR 4.66 billion, providing sufficient coverage for debt obligations. Free cash flow is positive at SAR 2.10 billion, derived from operating cash flow less capital expenditures of SAR 0.57 billion. The risk assessment flags medium liquidity risk, noting that net cash is negative after subtracting total debt, which is typical for banking entities where cash is an operational asset rather than a reserve.

Profitability metrics demonstrate a return on equity (ROE) of 14.28% and a return on assets (ROA) of 1.76%. Net income for the latest period is SAR 3.05 billion, representing a net profit margin of approximately 64.2% on revenue of SAR 4.75 billion. Without specific cohort median data provided in the input, these returns are evaluated against general banking industry standards, where an ROE above 10% is typically considered healthy. The high net income relative to revenue suggests a strong net interest margin or low non-interest expense burden, consistent with efficient commercial banking operations in the Saudi market.