3Q 2023 INVESTOR PRESENTATION
Balance Sheet Trends
Balance sheet growth of 16% from increase in financing and investments
Management Commentary
■ Growth in total assets of 16% YTD mainly driven by 15% financing growth
and 6% growth in investments and 52% growth in balances with SAMA and
interbank.
■ Total liabilities grew by 18% during 9M 2023 mainly from a 24% rise in
customers' deposits.
Total Assets Movement YTD (SARbn)
200.4
5.8
2.5
SAR (mn)
مصرف الإنماء
alinma bank
+16%
22.6
1.3
232.6
3Q 2023
4Q 2022
A%
3Q 2022
A%
Total assets
4Q 22
Cash, interbank
& SAMA
+52%
Investments
Financing
Other
Total assets
3Q 23
+6%
+15%
+32%
Cash, interbank & SAMA balances
16,957
11,178
+52%
Investments
40,970
Financing
Other assets
169,063
5,595
Total assets
232,585
Due to SAMA, banks & other Fl
10,123
Customers' deposits
180,233
38,518
146,492
4,249
200,436
16,483
145,168
Other liabilities
8,769
6,908
+27%
Total liabilities
199,125
168,560
Share capital
20,000
20,000
+18%
+0%
Retained earnings
6,675
4,285
+56%
10,935 +55%
+6% 38,266 +7%
+15% 139,987 +21%
+32% 4,041 +38%
+16% 193,229 +20%
-39% 23,225 -56%
+24% 132,048 +36%
6,654 +32%
161,927 +23%
20,000 +0%
5,406
Total Liabilities Movement YTD (SARbn)
+18%
35.1
1.9
19
199.1
168.6
(6.4)
+23%
Other reserves
1,785
2,591
-31%
897
Tier 1 sukuk
5,000
5,000
+0%
5,000
+99%
+0%
Total liabilities
4Q 22
Total equity
33,460
31,876
+5%
31,302
+7%
Due to SAMA, banks Customers' deposits
& other Fl
-39%
Other
Total liabilities
3Q 23
+24%
+27%
3Q 2023 INVESTOR PRESENTATION
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