3Q 2023 INVESTOR PRESENTATION
P&L Track Record
...translating to consistently strong top-line growth and solid profitability
Total Operating Income (SARmn)
+13% CAGR
Total Operating Expenses (SARmn)
+14% CAGR
Net Income (SARmn)
مصرف الإنماء
alinma bank
+6% CAGR
7,963
6,660
3,484
3,624
3,954
3,599
4,845
5,610
5,682
2,783
2,857
2,322
2,535
2,709
1,966
2018
2019
2020
2021
2022
2018
2019
2020
2021
2022
2018
2019
2020
2021
2022
YOY
+16%
+1%
+17%
+20%
YOY
+20%
+25%
+4%
+9%
YoY
-11%
-22%
+38%
+33%
Net Profit Margin (%)
6%
4%
2%
0%
2018
Cost To Income Ratio (%)
40.0%
Cost of Risk (%)
2.00%
0.85%
4.54%
38.0%
1.50%
3.62%
36.0%
1.00%
34.7%
34.0%
0.50%
1.10%
0.00%
32.0%
2018
2019
2020
2021
2022
2018
2019
2020
2021
2022
2019
2020
2021
2022
Yield rate
COF rate
Net profit margin
3Q 2023 INVESTOR PRESENTATION
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