4Q 2022 INVESTOR PRESENTATION
Net Profit Margin
مصرف الإنماء
alinma bank
Average balance of investments and financing grew 14%; while net profit margin saw an increase of 20bps YoY
Average Balance of Investments & Financing
Net Profit Margin YTD (%)
Net Profit Margin Movement YoY (%)
(SARbn)
+14%
+20bps
156.8
160.7
162.5
170.8
178.9
3.42%
3.31%
3.42%
3.59%
3.62%
+20bps
0.63%
3.42%
0.14%
125.6
129.7
129.3
136.6
142.7
-0.57%
3.62%
31.2
31.0
33.3
34.1
36.2
4Q 21
1Q 22
2Q 22
3Q 22
QoQ
+2%
+1%
+5%
4Q 22
+5%
FY 21
1Q 22
-11bps
1H 22
9M 22
FY 22
+11bps
+16bps
+3bps
Net profit
margin
Investments Financing yield
yield
COF rate
FY 21
Net profit
margin
FY 22
Investments
Financing
SAIBOR: 3M Average Trend (%)
6.0%
4.0%
3.15%
2.74%
2.0%
1.39%
0.90%
5.27%
SAIBOR: 3M Spot (%)
6.00
5.00
4.00
3.00
0.0%
2.00
FY 21
1Q 22
1H 22
9M 22
FY 22
Jul-22
Aug-22 Sep-22
Oct-22
Nov-22 Dec-22
4Q 2022 INVESTOR PRESENTATION
*Comparatives are reclassified to align with the FY 2022 financial statements
Management Commentary
■
Average balance of investments and financing
grew 14% YoY.
■ The net profit margin increased by 20bps YoY to
3.62%.
Average 3M SAIBOR increased 212bps during 4Q
2022 and 437bps YoY as a result of rate hikes
during the quarter.
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