3Q 2021 Investor Presentation
مصرف الإنماء
alinma bank
NPL Coverage
NPL coverage and stage wise financing coverage improved during 9M 2021
Stage-Wise Financing, Gross (SARbn)
Stage-Wise Financing, Gross Composition (SARbn)
+10%
108.1
114.5
120.7
123.5
125.5
2.7
2.8
2.9
2.9
2.2
6.5
6.9
6.8
6.7
6.9
99.0
104.9
111.6
113.8
115.8
QoQ 3Q 20
+6%
4Q 20
+5%
1Q 21
+2%
2Q 21
+2%
3Q 21
Stage 1
Stage 2
Stage 3
2%
6%
О
125
NPL Coverage Ratio (%)*
200%
Stage-Wise Coverage (%)
67.1%
61.0% 61.0%
70%
52.8%
48.7%
175%
156.8%
50%
146.3%
150.0%
150%
133.6%
126.7%
125%
20.4%
23.0% 24.5%
30%
14.3%
2.6%
10%
1.5%
0.8%
0.6%
0.5%
0.5%
100%
-10%
3Q 20
4Q 20
1Q 21
2Q 21
3Q 21
3Q 20
4Q 20
1Q 21
2Q 21
*ECL included on non-funded expose
■Stage 1
■Stage 2
3Q 21
Stage 3
3Q 2021 INVESTOR PRESENTATION
Stage 1
Stage 2
Stage 3
92%
Management Commentary
■ NPL coverage improved by 29ppts YTD to 156.8%.
Financing balances in Stage 3 increased by 10%
YTD while Stage 2 and 3 financing have increased
modestly by 1% and 0% respectively.
Stage-wise coverage has steadily increased during
the year with Stage 1 at 0.5%, Stage 2 at 24.5% and
Stage 3 at 67.1%.
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