1Q 2022 INVESTOR PRESENTATION
Non-Performing Loans
The NPL ratio increased during 1Q 2022 by 26bps to 2.0% due to a 17% rise in NPLs YTD
Non-Performing Loans, Gross (SARbn)
NPL, Gross Movement YTD (SARbn)
-1%
2.7
2.8
2.9
2.3
27
2.7
2.3
0.0
2.5
2.6
2.7
2.5
2.1
+17%
مصرف الإنماء
alinma bank
0.4
2.7
0.2
0.2
QoQ 1Q 21
+3%
2Q 21
+2%
0.2
3Q 21
0.1
0.2
-20%
4Q 21
+17%
1Q 22
Total NPL
4Q 21
Retail
Corporate
Total NPL
1Q 22
Retail
Corporate
+24%
+17%
NPL Composition (SARbn)
93%
О
7%
NPL Ratio (%)
2.25%
2.26%
2.27%
2.5%
2.01%
1.75%
2.0%
Retail
1.5%
2.7
1.0%
Corporate
0.5%
1Q 2022 INVESTOR PRESENTATION
0.0%
1Q 21
2Q 21
3Q 21
4Q 21
1Q 22
Management Commentary
■ NPL ratio rose by 26bps to 2.01% during 1Q 2022.
■ Retail financing, which account for the smaller
proportion of NPLs, increased by 24%, while
corporate NPLs increased by 17% YTD.
■ The NPL ratio for retail stood at 0.6% while
corporate stood at 2.4% as at 1Q 2022.
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