ABK Financial Overview and Market Position
ASSET QUALITY OVERVIEW
Non-Performing Loan Ratio (%)
Stage-wise Breakdown of Gross Loans (KD million, %)
4,324
3,633 1.6%
62
235
1.5%
5.4%
52
3,340
328
1.6%
9.8%
56
296
8.1%
1.60
1.50
1.40
1.48
1.45
2020
2021
2022
Q1 2002
Q1 2023
Loan Loss Coverage Ratio and Excess Provisions (%)
339%
357%
366%
368%
365%
186%
220%
224%
232%
220%
2020
2021
Loan Loss Coverage Ratio
Excess Provisions1
2022
Q1 2002
Q1 2023
4,027
3,281
93.1%
2,960
90.3%
88.6%
2020
2021
2022
Stage 3
Stage 2
Stage 1
Expected credit losses on credit facilities determined under IFRS
9 according to the CBK guidelines amounted to KD127.1mm,
which is KD191.7 lower than the provision of KD318.8mm for
credit losses under CBK Instructions
Impairment of credit facilities are recognized at higher of ECL on
credit facilities under IFRS9 according to CBK guidelines or the
provisions required by CBK instructions relating to classification
of credit facilities and calculation of provisions
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