4Q 2021 Investor Presentation
مصرف الإنماء
alinma bank
NPL Coverage
NPL coverage and overall stage wise financing coverage improved significantly during 2021
Stage-Wise Financing, Gross (SARbn)
Stage-Wise Financing, Gross Composition (SARbn)
+14%
114.5
120.7
2.7
123.5
2.8
125.5
2.9
2.9
6.5
6.9
6.8
6.7
104.9
111.6
130.9
2.9
6.8
26
113.8
115.8
121.2
QoQ 4Q 20
+5%
1Q 21
+2%
2Q 21
+2%
3Q 21
+4%
4Q 21
Stage 1
Stage 2
Stage 3
5%
2%
130.9
C
NPL Coverage Ratio (%)*
250%
Stage-Wise Coverage (%)
67.1%
61.0% 61.0%
62.6%
70%
52.8%
200%
177.1%
50%
139.7%
146.4%
150%
132.7%
20.4%
23.0% 24.5%
22.0%
30%
14.3%
114.5%
100%
10%
0.8%
0.6%
0.5%
0.5%
0.5%
50%
-10%
4Q 20
1Q 21
2Q 21
3Q 21
4Q 21
4Q 20
1Q 21
2Q 21
3Q 21
4Q 21
■Stage 1
■Stage 2
Stage 3
*ECL included on non-funded expose
4Q 2021 INVESTOR PRESENTATION
Stage 1
Stage 2
Stage 3
93%
Management Commentary
■ NPL coverage improved by 63ppts YoY to 177.1%.
Stage-wise coverage has improved during the
year with Stage 1 at 0.5%, Stage 2 at 22.0% and
Stage 3 at 62.6%.
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