3Q 2022 Investor Presentation
P&L Track Record
...translating to consistently strong top-line growth and solid profitability
Total Operating Income (SARmn)
Total Operating Expenses (SARmn)
Net Income (SARmn)
مصرف الإنماء
alinma bank
+11% CAGR
+11% CAGR
+8% CAGR
6,662
3,484
3,626
2,857
5,610
5,682
2,535
2,709
4,373
4,845
2,783
2,356
2,322
2,011
1,966
YOY
2017
2018
2019
2020
2021
2017
2018
2019
2020
2021
2017
2018
2019
2020
2021
+11%
+16%
+1%
+17%
YOY
-1%
+20%
+25%
+4%
YOY
+42%
-11%
-22%
+38%
Net Profit Margin (%)
6%
Cost To Income Ratio (%)
42.0%
Cost of Risk (%)
1.50%
40.0%
1.00%
4%
3.77%
38.0%
3.42%
36.0%
35.5%
0.50%
2%
34.0%
0.43%
0%
32.0%
0.00%
2017
2018
2019
2020
2021
2017
2018
2019
2020
2021
2017
2018
2019
2020
2021
Net profit margin
Yield rate
COF rate
*2021 income and expense number are adjusted to reflect certain classification taken place in 3Q 2022
3Q 2022 INVESTOR PRESENTATION
1.02%
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