4Q 2022 INVESTOR PRESENTATION
NPL Coverage
NPL coverage decreased YoY
Stage-Wise Financing, Gross (SARbn)
+15%
130.3
133.0
135.1
143.7
150.5
2.4
2.9
2.3
2.7
2.6
8.5
95
9.0
9.1
8.9
8.9
118.9
121.4
123.6
132.3
139.1
QoQ 4Q 21
+2%
1Q 22
+2%
2Q 22
+6%
3Q 22
+5%
4Q 22
Stage 1
Stage 2
Stage 3
NPL Coverage Ratio (%)
Stage-Wise Coverage (%)
75% 62.6% 62.1%
مصرف الإنماء
alinma bank
Stage-Wise Financing, Gross Composition (SARbn)
6%
2%
58.4%
56.1% 56.8%
300%
55%
177.1%
200%
150.0% 150.1%
155.5%
136.3%
35%
22.0%
19.2% 19.4%
18.9%
19.3%
100%
15%
150.5
0%
0.5%
0.5%
0.5%
-5%
0.5%
0.5%
4Q 21
1Q 22
2Q 22
3Q 22
4Q 22
4Q 21
1Q 22
2Q 22
3Q 22
4Q 22
■Stage 1
■Stage 2
Stage 3
4Q 2022 INVESTOR PRESENTATION
92%
Stage 1
Stage 2
Stage 3
Management Commentary
■ NPL coverage decreased by 40.7ppts YoY to
136.3%.
Stage 1 coverage remained stable YoY at 0.5%.
Stage 2 coverage declined due to migration of
highly-provisioned accounts to stage 3, while the
stage 3 coverage trend was impacted by write-
offs during FY 2022.
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