Financial Services · Banks - Regional
Is Bank Albilad (1140.SR) Stock Halal?
Shariah Compliance Across 5 Standards — Live
Shariah Compliance Verdict — 5 Standards
AAOIFI (Shari'ah Standard 21)market-cap basis
exempt: Islamic financial institution (DJIM/MSCI/S&P IFI rules)
Dow Jones Islamic Marketmarket-cap basis
exempt: Islamic financial institution (DJIM/MSCI/S&P IFI rules)
FTSE Shariah (Yasaar)total-assets basis
exempt: Islamic financial institution (DJIM/MSCI/S&P IFI rules)
MSCI Islamictotal-assets basis
exempt: Islamic financial institution (DJIM/MSCI/S&P IFI rules)
S&P Shariahmarket-cap basis
exempt: Islamic financial institution (DJIM/MSCI/S&P IFI rules)
Live verdicts from the Halal Terminal screening engine, recomputed against the issuer's latest filings.
Plain-English Summary
Compliant under AAOIFI, DJIM, FTSE, MSCI, S&P (debt/MC 8.1%, well under their 30–33% caps).
Why Screeners May Disagree on 1140.SR
Bank Albilad is a certified Islamic financial institution — exempt from the conventional-finance exclusion and accounting screens per the DJIM/MSCI/S&P IFI rules.
Business Activity Screen
Islamic financial institution — Bank Albilad (IFI registry 2026-06-11.1); exempt from the conventional-finance exclusion and accounting screens per DJIM/MSCI/S&P IFI rules.
Financial Ratios
Interest-bearing debt / market cap
AAOIFI ≤30% · DJIM/S&P <33% (trailing-avg MC)
8.2%
Cash & interest-bearing / market cap
AAOIFI ≤30% of market cap
39.5%
Debt / total assets
FTSE/MSCI <33.33% of total assets
1.7%
Cash & interest-bearing / total assets
FTSE/MSCI <33.33% of total assets
8.3%
Receivables + cash / total assets
FTSE <50% · MSCI ≤70%
8.4%
Raw ratios from the latest filings — each methodology applies its own basis and thresholds (see the verdict box above for per-standard outcomes).
Frequently Asked Questions
Is Bank Albilad (1140.SR) halal to invest in?
Bank Albilad currently screens as Shariah-compliant on the Halal Terminal engine. The verdict is recomputed against the issuer's latest financial filings and all five major methodologies (AAOIFI, DJIM, FTSE, MSCI, S&P) — see the per-standard breakdown above. This is a data-driven application of published standards, not a fatwa.
Is 1140.SR compliant under AAOIFI?
Yes — 1140.SR passes the AAOIFI Shari'ah Standard 21 screens (30% debt and 30% interest-bearing deposits against market capitalization, 5% impure income).
Do I need to purify dividends from 1140.SR?
A purification rate could not be computed from the latest filings; consult the methodology page for how purification works.
Why do halal screening apps disagree about 1140.SR?
Different services apply different ratio bases (market capitalization vs total assets), different revenue classifications, and different data vintages. This page shows both AAOIFI readings side by side and classifies revenue segments explicitly so the source of any disagreement is visible.
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Halal Terminal screens stocks and ETFs across 5 Shariah standards simultaneously — with live ratios, segment-level business income, purification calculations, and Zakat reports.
Disclaimer: This page is for educational and informational purposes only and does not constitute financial or religious advice. Verdicts and figures come from the Halal Terminal screening engine, computed from the issuer's public financial filings and refreshed regularly (last screened 2026-06-16). This is a data-driven application of published Shariah standards — not a fatwa. Consult a qualified Islamic finance scholar or advisor for personalised guidance.