SGBJ - The Acquisition
| National Bank of Iraq - A Snapshot
2021
48%
2022
39%
Assets Breakdown
■Net Loans
Cash & Balances
33%
12% 7%
42%
Other Assets
Liabilities Breakdown
2021
77%
2022
74%
In USD Mn
Total Operating Expenses
Net Operating Income
34%
Provisions
One-off and Non Recurring Items*
Tax
Net Profit
Key Income Statement Items
2021
2022
Gross Operating Income
57
b88སེ་$
75
(32)
(40)
རེ ཙེཙེཙེཡྻདྱེ
25
(2)
(9)
(7)
(4)
(5)
19
Investments
11%
7%
9%
7% 4%3%
8% 7% 8% 3%
Key Figures & Ratios
2021
2022
Total Assets
1,236
1,656
Net Credit Facilities
592
651
Total Deposits
792
1,054
Capital Adequacy
24.5%
20.8%
Net Interest Margin (Spread)
6.16%
6.74%
Efficiency Ratio
56.1%
53.6%
+39%
NPL Ratio
2.5%
2.6%
Coverage Ratio
153.3%
173.4%
Customer Deposits
Customer Margins Loans & Borrowings Banks & FI Other Liabilities
*Includes one-time provisions in addition to KSA branch and leasing company
establishment costs.
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