Investor Presentation
Credit Quality
Profile / Strategy / Sustainability / Environment / Financials / Appendix
NPL Ratio of 1.36% shows improvement in both commercial and consumer
loans in 3Q 2 3
NPLs by Segment (SARbn)
NPLs (SARbn)
NPL Ratio (%)
-13%
-13%
1.72%
4.2
4.2
1.55%
3.9
3.7
3.8
3.9
3.9
3.7
1.3
1.2
1.1
LLLLI
4Q-22
-8%
-1%
1Q-23
2Q-23
2.9
2.6
2.5
-4%
QoQ
QoQ
+11%
4Q-22
2Q-23
3Q-23
3Q-22
Commercial
Retail
NPL Movement by Sector YTD (SARmn)
356
4,244
-13%
1.52%
1.44%
1.36%
-4%
3Q-23
3Q 22
4Q 22
1Q 23
2Q 23
3Q 23
3,702
(472)
(194)
(117)
(107)
(7)
4Q-22
+123%
Manufacturing
-77%
Services
-16%
Commerce
-9%
Consumer
-14%
Construction
-33%
Other
3Q-23
Riyad Bank - Investor Presentation - 30/09/23
NPL ratio improved by 36bps during 9 months of 2023 to
1.36%.
ā Improvement of the NPL ratio resulted from a 13% decrease in
the amount of NPLs and a 10% increase in gross loans and
advances.
Decrease in NPLs was largely driven by corporate loans in
sectors of services and commerce which was partially offset by
the increase in manufacturing.
General Business
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