1Q 2023 Investor Presentation
Non-Performing Loans
The NPL ratio increased YoY
Non-Performing Loans, Gross (SARbn)
+24%
3.3
2.9
2.7
2.6
2.4
2.5
2.4
2.6
2.5
2.2
NPL, Gross Movement YTD (SARbn)
0.3
2.9
+13%
مصرف الإنماء
alinma bank
0.1
3.3
0.2
0.2
0.2
0.5
0.7
QoQ 1Q 22
-4%
2Q 22
-7%
3Q 22
+22%
4Q 22
+13%
1Q 23
Total NPL
4Q 22
Retail
Corporate
Total NPL
1Q 23
Retail
Corporate
+63%
+4%
NPL Composition (SARbn)
77%
3.3
NPL Ratio (%)
3.00%
2.50% 2.01%
2.11%
1.90%
1.94%
23%
1.67%
2.00%
Retail
1.50%
1.00%
Corporate
0.50%
0.00%
1Q 22
2Q 22
3Q 22
4Q 22
1Q 23
1Q 2023 INVESTOR PRESENTATION
Management Commentary
■ NPL ratio increased by 10bps YoY and 17bps QoQ
to 2.11% in 1Q 2023.
■ Retail financing, which account for the smaller
proportion of NPLs, increased by 63%, while
corporate NPLs increased by 4% YTD.
■ The NPL ratio for retail stood at 1.9% while
corporate stood at 2.2% as at 1Q 2023.
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