3Q 2022 Investor Presentation
Capitalization
Capital grew 2% YTD and capital ratios remained stable while ROE saw an increase of 2.8ppts YoY
Total Capital (SARbn)
Risk Weighted Assets (SARbn)
+2%
+16%
مصرف الإنماء
alinma bank
32.5
33.1
33.9
33.9
33.8
168.2
145.2
145.3
149.2
155.1
1.6
1.7
1.7
1.8
1.9
3.4
0.9
0.8
0.8
2.4
12.3
11.0
11.2
11.6
11.9
30.9
31.4
32.2
32.1
31.8
130.8
133.1
136.8
153.5
142.4
QoQ 3Q 21
+2%
4Q 21
+2%
1Q 22
-0%
2Q 22
-0%
3Q 22
QoQ 3Q 21
+0%
4Q 21
+3%
1Q 22
+4%
2Q 22
+8%
3Q 22
Tier 1 Capital
Tier 2 Capital
Credit
Operational
Market
Capitalization (%)
Profitability (%)
15%
25%
22.4%
21.3%
21%
17.8%
17%
11.2%
10%
20.1%
18.9%
5%
16.0%
1.7%
13%
0%
9M 21
FY 21
1Q 22
1H 22
9M 22
9M 21
FY 21
1Q 22
1H 22
CET1 ratio
T1 ratio
CAR
ROAE
3Q 2022 INVESTOR PRESENTATION
14.0%
.ROAA
9M 22
2.0%
Management Commentary
■ Total Capital grew 2% to 33.8bn YTD while Risk
Weighted Assets grew 16% YTD.
■ CAR has declined 2.3ppts YoY to 20.1% due to
17.3% increase in credit risk weighted assets due
to the growth in the Bank's total assets.
■ ROE and ROA saw an increase of 2.8ppts and
30bps respectively YoY.
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