3Q 2022 Results Presentation
ARB had a strong set of results in the first nine months of 2022 | Results are in line with or ahead of expectations
23.1% Growth in financing driven by all lines of
business
17.6% Growth in liabilities
LDR below regulatory minima
19% YTD Balance
Net Financing
Total Liabilities
Sheet Growth
452.8bn
+23.1%
557.5bn
556.4bn
FY 21
9M 22
Loan to Deposit Ratio
+17.6%
654.5bn
FY 21
9M 22
82.3%
FY 21
10.4% Net yield income growth, impacted by
lower NPM
23.3% Non yield income growth
Solid 19% net
income growth YoY
Net Yield income
Non Yield Income
+10.4%
+23.3%
15,037mn
9M 21
16,594mn
3,824mn
4,717mn
9M 22
9M 21
9M 22
17 bps COR reduction
Stable credit
quality
Cost of risk
0.60%
FY 21
1.6 ppt better operating efficiency
Key Ratios
Cost to income ratio
27.2%
9M 21
3 Q 2022 Results Presentation
13.0% Operating income growth
88.4%
9M 22
Operating Income
18,862mn
+13.0%
21,311mn
9M 21
9M 22
10 bps improvement in NPL ratio from strong
loan growth
NPL coverage remained strong
NPL
0.43%
9M 22
0.65%
FY 21
25.6%
9M 22
Improved capital position
Total Capital Adequacy Ratio
17.9%
9M 21
3
NPL Coverage
0.55%
9M 22
19.6%
9M 22
306%
FY 21
272%
9M 22
Lower NPM
NPM
4.32%
9M 21
3.66%
9M 22
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