Bank AlBilad personal finance is Murabaha-based. Lenders want clear salary credits, modest existing installment ratios, and a stable balance trend — your CSV makes all three visible.
Convert your AlBilad statementPersonal finance at Bank AlBilad is Murabaha-structured, regulated by SAMA. The standard requirement is three months of statements showing consistent salary credits, a debt-burden ratio within the SAMA guardrail, and an absence of overdrafts or unexplained large credits. AlBilad's bilingual statement is well-organized but Arabic-primary, so manual review of three months is slow.
Self-employed and SME applicants face a longer ask: six months of statements showing recurring business revenue, payroll outflows, and any existing Murabaha or Ijarah obligations. The CSV view shortens this from hours of scrolling to a few filters.
The AlBilad PDF runs: Date (DD/MM/YYYY), Description (Arabic-primary, English equivalent), Reference, Debit, Credit, Balance. Underwriters focus on "راتب" for WPS salary credits, "قسط مرابحة" for existing Murabaha installments, "إجارة شهرية" for Ijarah commitments, and the monthly closing balance trend.
The installment-to-income ratio is the central number. Sum monthly "قسط مرابحة" plus "إجارة شهرية" debits, divide by monthly salary credit. SAMA's debt-burden ceiling for personal finance is 33–45% depending on borrower category. The CSV lets you calculate this exactly before submission.
Lenders see a structured CSV faster than they see a 12-page PDF. The data you pull is the data they will pull.
Bank AlBilad statements are bilingual PDF documents in SAR. Columns are: Date (DD/MM/YYYY), Transaction Description (Arabic-primary with English equivalent), Reference, Debit, Credit, Balance. Islamic product terminology — Murabaha, Musharaka, Ijarah — appears throughout. Statements typically include a header summary with account holder name, IBAN, and period dates.
| Label | Meaning |
|---|---|
| قسط مرابحة | Murabaha installment debit |
| إجارة شهرية | Monthly Ijarah (lease-to-own) payment |
| POS-MADA- | Mada debit card transaction |
| حوالة سريعة | Sarie instant transfer |
| راتب | WPS salary credit |
Saudi banks (Al Rajhi, SNB) require 3 months of SAMA-compliant statements; WPS salary entries are weighted heavily in personal loan scoring.
Export three months from AlBilad Mobile
Download a bilingual PDF covering the last three completed months. AlBilad statements include all Sharia-compliant product activity in the period.
Upload to Kashfbank
Drop the PDFs in. Salary credits and existing Murabaha installments are tagged separately in the Category column.
Calculate the installment-to-income ratio
From the CSV, sum monthly "قسط مرابحة" plus "إجارة شهرية". Divide by monthly salary credit. Keep the result below SAMA's debt-burden ceiling for your borrower category.
Submit cleanly to AlBilad
Hand the original AlBilad PDF to the lender as required. Use the CSV for your own pre-submission review — to spot overdrafts, missing salary months, or large unexplained credits before the underwriter does.
Common challenges
Does Bank AlBilad accept the converted CSV instead of the original PDF?
No. AlBilad's underwriting team requires the original bank-issued PDF. The CSV is for your own review and for your accountant or advisor to verify the numbers before submission. Submit the AlBilad PDF; use the CSV to know what's in it.
What debt-burden ratio does SAMA allow for AlBilad personal finance?
SAMA's personal-finance debt-burden ratio is 33% for most categories, with a higher ceiling (up to 45%) for retirees on government pension. AlBilad applies the SAMA limit. The CSV lets you sum existing installments before applying so you know the headroom you have left.
My AlBilad statement shows a one-off large credit from a family member. How is that treated?
Underwriters flag any non-recurring large credit as potentially borrowed funds. Document it: pair the row in the CSV with a written gift letter or transfer note from the sender. The CSV gives you the exact date and amount needed for the supporting document.
Can I apply for SME financing with six months of AlBilad SME-account statements?
Yes. AlBilad's SME finance program follows SAMA guidelines on six-month statement review. The CSV merges all six months into a single chronological view so the underwriter sees revenue patterns, payroll outflows, and Murabaha obligations without flipping pages.
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Regulator: Saudi Central Bank (SAMA)
Fiscal year: Hijri fiscal year (government); Gregorian Jan–Dec (most private sector)
Full country guide →Statement language: Arabic / English