2Q 2023 Investor Presentation
Non-Performing Loans
NPL ratio decreased YoY
Non-Performing Loans, Gross (SARbn)
+7%
3.3
3.1
2.9
2.6
2.4
2.4
0.2
QoQ 2Q 22
2.6
2.5
2.5
2.2
NPL, Gross Movement YTD (SARbn)
2.9
0.2
+7%
مصرف الإنماء
alinma bank
10
0.1
3.1
0.5
0.7
0.6
0.2
-7%
3Q 22
+22%
4Q 22
+13%
1Q 23
-5%
2Q 23
Total NPL
4Q 22
Retail
Corporate
Total NPL
2Q 23
Retail
Corporate
+36%
+2%
NPL Composition (SARbn)
80%
C
3.1
20%
2Q 2023 INVESTOR PRESENTATION
NPL Ratio (%)
3.00%
2.50%
1.90%
1.94%
2.11%
1.89%
1.67%
2.00%
Retail
1.50%
1.00%
Corporate
0.50%
0.00%
2Q 22
3Q 22
4Q 22
1Q 23
2Q 23
Management Commentary
■ NPL ratio decreased by 1bps YoY and 22bps QoQ to
1.89% in 2Q 2023.
■ Retail financing, which account for the smaller
proportion of NPLs, increased by 36%, while
corporate NPLs increased by 2% YTD.
■ The NPL ratio for retail stood at 1.5% while
corporate stood at 2.0% as at 2Q 2023.
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