Saudi Equity Research - Bank Albilad (ALBI) 4Q25 - First Look Note
ALBI’s loan-to-deposit ratio declined from 92.3% in 3Q25 to 92.0% in 4Q25. Funded income increased 8.7% YOY to SAR 2,381 Mn in 4Q25, supported by rise in net advances and investments, partially offset by a decline in asset yield.