3Q 2020 Investor Presentation
Asset Quality Trends (1)
Asset quality remains healthy and sound NPL coverage
مصرف الراجحي
Al Rajhi Bank
Highlights
■ Net Provision increased by (+46% YoY).
Impairment Charges (SARmn) & COR (%)
1.05%
■ NPL ratio at (0.84%) caused by a healthier Retail NPL.
0.85%
0.78%
0.71%
☐
Coverage ratio remains healthy (293%), well above industry
average.
0.60%
NPL Ratio Trend (%)
1,107
1,772
693
1,151
1,616
9M 19
FY 19
1Q 20
1H 20
9M 20
I Net Impairment Charge (SARmn)
--COR (%)
NPL Coverage Trend (%)
3.22%
2.32%
2.41%
2.81%
2.71%
0.94%
0.90%
1.07%
1.02%
0.84%
306.2%
303.0%
293.0%
253.2%
252.8%
0.37%
0.33%
0.33%
0.40%
0.26%
3Q19
4Q 19
1Q 20
2Q 20
3Q 20
- NPL ratio
―― Retail
--Corporate
Al Rajhi Bank
The Blue Chip Islamic Bank
34
3Q 19
4Q19
1Q 20
2Q 20
3Q 20
3Q 2020 Investor PresentationView entire presentation