3Q 2022 Investor Presentation
NPL Coverage
NPL coverage improved YoY
Stage-Wise Financing, Gross (SARbn)
+10%
125.5
130.3
133.0
135.1
143.7
2.4
2.9
2.3
2.7
2.6
9.0
6.8
9.1
8.9
8.9
115.8
118.9
121.4
123.6
132.3
QoQ 3Q 21
+4%
4Q 21
+2%
1Q 22
+2%
2Q 22
+6%
3Q 22
Stage 1
Stage 2
Stage 3
NPL Coverage Ratio (%)
300%
Stage-Wise Coverage (%)
75%
مصرف الإنماء
alinma bank
Stage-Wise Financing, Gross Composition (SARbn)
6%
2%
67.1%
62.6% 62.1%
58.4% 56.1%
55%
177.1%
200%
146.4%
150.0%
150.1%
155.5%
35%
24.5%
22.0%
19.2%
19.4%
18.9%
100%
15%
143.7
0%
0.5%
0.5%
0.5%
0.5%
-5%
0.5%
3Q 21
4Q 21
1Q 22
2Q 22
3Q 22
3Q 21
4Q 21
1Q 22
2Q 22
3Q 22
■Stage 1
■Stage 2
Stage 3
3Q 2022 INVESTOR PRESENTATION
92%
Stage 1
Stage 2
Stage 3
Management Commentary
■ NPL coverage improved 9.1ppts YoY but declined
21.6ppts YTD to 155.5%.
Stage 1 coverage remained stable YTD at 0.5%.
Stage 2 coverage declined due to migration of
highly provisioned accounts to stage 3, while the
stage 3 coverage trend was impacted by write-
offs during 9M 2022.
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