4Q 2022 INVESTOR PRESENTATION
Non-Performing Loans
The NPL ratio increased YoY
Non-Performing Loans, Gross (SARbn)
+28%
2.9
2.7
2.6
2.4
2.3
2.1
2.5
2.4
2.5
2.2
NPL, Gross Movement YoY (SARbn)
0.3
2.3
مصرف الإنماء
alinma bank
+28%
0.3
2.9
0.1
0.2
0.2
0.2
0.5
QoQ 4Q 21
+17%
1Q 22
-4%
2Q 22
-7%
3Q 22
+22%
4Q 22
Total NPL
4Q 21
Retail
Corporate
Total NPL
4Q 22
Retail
Corporate
+210%
+15%
NPL Composition (SARbn)
84%
2.9
16%
4Q 2022 INVESTOR PRESENTATION
NPL Ratio (%)
3.00%
2.50%
2.01%
1.90%
1.94%
1.75%
1.67%
2.00%
Retail
1.50%
1.00%
Corporate
0.50%
0.00%
4Q 21
1Q 22
2Q 22
3Q 22
4Q 22
Management Commentary
■ The NPL ratio increased by 19bps YoY and 27bps
QoQ to 1.94% in 4Q 2022.
■ Retail financing, which account for the smaller
proportion of NPLs, increased by 210%, while
corporate NPLs increased by 15% YoY.
■ The NPL ratio for retail stood at 1.2% while
corporate stood at 2.1% as at 4Q 2022.
32/49View entire presentation