Investor Presentaiton
Solid liquidity, funding and capital position with adequate buffers
LCR declined by 18.3ppts during 9M 2023 to 201.6%,
while NSFR moderated 3.6ppts to 111.1%
Liquidity Ratios
-LCR
--NSFR
Loans to Deposits Ratio
SAMA LTD --Headline LTD
As of 9M 2023, the SAMA regulatory LTD ratio was
within required levels at 74.4%
219.9%
204.7%
99.0%
Total capital (Tier 1 + Tier 2 regulatory capital)
declined modestly by 3% during 9M 2023 as net
income generation was offset by the dividend payments
and reduction in Tier 1 sukuk
190.3%
93.0%
93.5%
206.8%
201.6%
95.7% o
75.3% -
о
93.9%
74.4%
111.1%
116.8%
79.0% 76.4% 75.6%
114.6% 118.0% 110.8%
RWAs declined 8% YTD during 9M 2023
CAR was 19.3% and the Tier 1 ratio stood at 18.6%
3Q 22
4Q 22 1Q 23 2Q 23
3Q 23
3Q 22
4Q 22
1Q 23 2Q 23
3Q 23
Total Regulatory Capital Movement (SARbn)
Risk Weighted Assets (SARbn)
Credit risk
Capital Ratios
CAR
-CET1 ratio
- Tier 1 ratio
Operational risk
20.7%
Market risk
20.1%
-3%
1.3
17.9
91.6
98.2
17.4
85.1
87.2
90.2
19.3% a
18.6% a
18.2%
20.0%
19.4%
19.3%
18.6%
0.9
5.1
3.0
4.6
5.4
7.1
6.9
17.6%
4.0
4.0
4.0
(0.6)
(0.9) (0.4)
16.8%
85.6
89.8
15.1%
76.2
81.7
74.0
16.3%
15.3%
14.4%
4Q 22
Net
Income
T1 Sukuk Dividend Other
paid
3Q 23
3Q 22
4Q 22
1Q 23
2Q 23
3Q 23
3Q 22
4Q 22
1Q 23 2Q 23
3Q 23
The Saudi Investment Bank - 3Q 2023 Earnings Presentation
P. 22View entire presentation