ScoreWhy is Bank Albilad ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 13.87% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 18.42%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 13.87% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 1.21% signifying low profitability per unit of total assets
2
The company has declared Positive results for the last 5 consecutive quarters
- GROSS NPA (%)(Q) Lowest at 1.03%
- ROCE(HY) Highest at 1.93%
- NII(Q) Highest at SAR 1,209.91 MM
3
With ROA of 1.44%, it has a very attractive valuation with a 2.00 Price to Book Value
- Over the past year, while the stock has generated a return of -19.45%, its profits have risen by 16.6% ; the PEG ratio of the company is 0.8
- At the current price, the company has a high dividend yield of 1.5
4
Below par performance in long term as well as near term
- Along with generating -19.45% returns in the last 1 year, the stock has also underperformed Saudi Arabia All Share TASI in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Bank Albilad should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Bank Albilad for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Bank Albilad
-20.1%
-0.28
30.91%
Saudi Arabia All Share TASI
-12.63%
-0.89
14.47%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.20%
EBIT Growth (5y)
21.02%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
22.13%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
2.00
EV to EBIT
12.50
EV to EBITDA
11.42
EV to Capital Employed
1.95
EV to Sales
4.22
PEG Ratio
0.75
Dividend Yield
1.53%
ROCE (Latest)
15.61%
ROE (Latest)
16.15%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
GROSS NPA (%)
(Q
ROCE(HY)
Highest at 1.93%
NII(Q)
Highest at SAR 1,209.91 MM
CASH AND EQV(HY)
Highest at SAR 20,507.28 MM
DIVIDEND PER SHARE(HY)
Highest at SAR 0
NET SALES(Q)
Highest at SAR 2,281.89 MM
-2What is not working for the Company
ROCE(HY)
Lowest at 1.93%
Here's what is working for Bank Albilad
Non Performing Loans (%)
Lowest at 1.03% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at SAR 1,209.91 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (SAR MM)
Net Sales
Highest at SAR 2,281.89 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (SAR MM)
Cash and Eqv
Highest at SAR 20,507.28 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at SAR 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (SAR)
Depreciation
Highest at SAR 74.91 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (SAR MM)
CASA
Highest at 17.11%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
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