Annual Report 2022 - The Beginning of a Journey of Transformation
LOANS PORTFOLIO, FUNDING, AND LIQUIDITY
Loan Portfolio (KD million)
4,297
4,039
3,850
3,387
3,117
Gross Maximum Exposure by Credit Risk
16%
17%
17%
20%
17%
15%
Others*
6.49%
6.72%
6.52%
6.71%
6.72%
Personal
20%
23%
25%
Government and related entities
1.57%
1.55%
1.43%
1.76%
1.34%
Construction and real estate
Provision of credit losses
-Non performing loans ratio
Banks and other institution
Trading and Manufacturing
2020
2021
2022
YTD 2022 YTD 2023
L
Funding Profile (KD million)
Equity
18%
15%
15%
13%
17%
17%
13%
11%
11%
2020
2021
2022
Maturity Profile for Liabilities
6271
5851
596
5490
6085
604
600
4715
610
-49
-490
201 953
1028
591
1056
31%
33%
766
38%
151
487
FY 2020
FY 2021
4421
4174
Medium Term Borrowings
3913
3935
3486
Due to Bank & Other Financial Insituation
Customer Deposit
2020
2021
2022
YTD 2022 YTD 2023
36%
less then one month
32%
21%
30%
35%
FY 2022
44%
one month to one year
over one year
*Others: include Crude oil & gas, Agriculture, Public utilities and Other services
222
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