3Q 2021 Investor Presentation
Non-Performing Loans
The NPL ratio has improved YTD to 2.3%
Non-Performing Loans, Gross (SARbn)
2.9
2.7
2.2
+0%
2.8
2.9
NPL Movement, Gross YTD (SARbn)
2.9
2.6
2.5
2.6
2.7
2.0
(0.1)
+0%
0.1
10
مصرف الإنماء
alinma bank
2.9
0.2
0.3
0.2
QoQ 3Q 20
+29%
4Q 20
-5%
1Q 21
+3%
0.2
2Q 21
0.2
+2%
3Q 21
Total NPL
Retail
Corporate
4Q 20
Total NPL
3Q 21
Retail
Corporate
-38%
+4%
NPL Composition (SARbn)
94%
6%
NPL Ratio (%)
3%
2.5%
2.2%
2.3%
2.3%
2.1%
Retail
2%
1%
2.9
Corporate
0%
3Q 20
4Q 20
1Q 21
2Q 21
3Q 21
3Q 2021 INVESTOR PRESENTATION
Management Commentary
■ The NPL ratio stood at 2.3% at 3Q 2021 with non-
performing loans remaining stable YTD.
■ Retail financing which account for the smaller
proportion of NPLs declined by 38%, while
corporate NPLs increased by 4% YTD.
■ The NPL ratio for retail stood at 0.60% while
corporate stood at 2.73% as at 3Q 2021.
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