2Q 2022 INVESTOR PRESENTATION
Non-Performing Loans
The NPL ratio has improved by 36bps YoY
Non-Performing Loans, Gross (SARbn)
+13%
2.8
2.9
2.7
2.6
2.3
2.6
2.7
2.1
2.5
2.4
NPL, Gross Movement YTD (SARbn)
2.3
0.1
10
+13%
مصرف الإنماء
alinma bank
0.2
2.6
0.2
0.2
0.1
QoQ 2Q 21
+2%
3Q 21
-20%
4Q 21
+17%
0.2
1Q 22
0.2
-4%
2Q 22
Total NPL
4Q 21
Retail
Corporate
Total NPL
2Q 22
Retail
Corporate
+43%
+11%
NPL Composition (SARbn)
8%
NPL Ratio (%)
3.00%
2.26%
2.27%
2.01%
1.90%
1.75%
Retail
2.00%
2.6
1.00%
Corporate
92%
C
2Q 2022 INVESTOR PRESENTATION
0.00%
2Q 21
3Q 21
4Q 21
1Q 22
2Q 22
Management Commentary
■ NPL ratio rose slightly by 15bps to 1.90% during 1H
2022 but has decreased by 36bps YoY.
■ Retail financing, which account for the smaller
proportion of NPLs, increased by 43%, while
corporate NPLs increased by 11% YTD.
■ The NPL ratio for retail stood at 0.6% while
corporate stood at 2.3% as at 2Q 2022.
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