3Q 2021 Investor Presentation
P&L Track Record
...translating to consistently strong top-line growth and solid profitability
Total Operating Income* (SARmn)
Total Operating Expenses* (SARmn)
Net Income (SARmn)
مصرف الإنماء
alinma bank
+14% CAGR
+18% CAGR
+7% CAGR
5,610
5,682
3,484
2,857
4,373
4,845
2,535
2,783
3,328
2,356
2,322
2,011
1,966
1,813
1,502
2016
2017
2018
YOY
+31%
+11%
2019
+16%
2020
2016
+1%
YOY
2017
+30%
2018
-1%
2019
+20%
2020
+25%
2016
2017
2018
YOY
+34%
+42%
2019
-11%
2020
-22%
Net Profit Margin (%)
6%
4%
2%
0%
Cost To Income Ratio (%)
60%
4.25%
3.61%
40%
Cost of Risk (%)
1.5%
1.0%
36.4%
1.34%
20%
0.5%
-0.72%
0%
0.0%
2016
2017
2018
2019
2020
2016
2017
2018
2019
2020
-2%
2016
2017
2018
2019
2020
Net profit margin
Yield rate
COF rate
*Comparatives are reclassified to align with the 3Q 2021 financial statements
3Q 2021 INVESTOR PRESENTATION
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