Investor Presentaiton
Asset Quality
Asset quality highlights
Non-performing financing ratio increased to 2.03% as at 31
December 2019, compared to December 2018.
Bank's non-performing ratio remains within the industry
average.
Strong asset quality is a reflection of QIIB's prudent risk
appetite, and therefore, prudent risk oversight of assets before
bringing them on to its financing book.
In addition, QIIB's strong asset quality is further reinforced by the
availability of collateral that the bank receives on its financings.
Asset quality ratios
2015 2016 2017
2018
2019
Non-performing financing ratio(1) 1.7% 1.7% 1.3% 2.0%
2.0%
Non-performing coverage ratio(2) 59.7% 77.5% 63.1% 96.6% 88.6%
(1) Non performing facilities as at period end divided by gross financing and receivables as
at period end
(2) Specific provision & suspended interest, as at period end divided by non performing
facilities as at period end
Non-performing receivables (US$ Mn)
A
Breakdown of IFFS, NPL by segment (US$ mn)
250.0
2.5%
250.0
2.0%
2.0%
200.0
1.7%
2.0%
1.7%
200.0
58.6
150.0
1.3%
1.5%
150.0
59.9
219.8
100.0
1.0%
100.0
37.0
85.4
71.5
164.3
161.3
140.0
125.4
124.4
50.0
104.4
50.0
0.5%
87.4
53.5
54.4
0.0
0.0
2015
2016
Non-Performing Facilities
2017
0.0%
2015
2016
2017
2018
2019
2018
% of Total Financing Receivables
2019
■Personal Banking
■Corporate Banking
*Real estate segment reclassified to personal banking from 2017
Page 14.
QIIB
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