Total ECL
SAR 3,125.8M
2.3%
vs last quarter
Total Exposure
SAR 82,543M
Performing
SAR 74,321M (90.0%)
Non-Performing
SAR 8,222M (10.0%)
Written Off
SAR 278.3M
0.0%
8.9% of total
Stage 1 Regular
ECL
SAR 1,245.2M
Exposure
SAR 38,450M
1.2%
39.8% ECL
Stage 2A Special Monitoring
ECL
SAR 452.6M
Exposure
SAR 12,850M
4.2%
14.5% ECL
Stage 2B Substandard
ECL
SAR 439.8M
Exposure
SAR 9,720M
7.5%
14.1% ECL
Stage 3A Doubtful
ECL
SAR 382.4M
Exposure
SAR 6,980M
6.8%
12.2% ECL
Stage 3B Loss
ECL
SAR 327.5M
Exposure
SAR 5,490M
9.2%
10.5% ECL
ECL Distribution by Stage
ECL
Exposure Distribution by Stage
Exposure
ECL Trend Analysis
ECL by Months
| Month Year | Total Exposure | Total ECL | Total ECL % | ECL Stage 1 % | ECL Stage 2 % | ECL Stage 3 % |
|---|---|---|---|---|---|---|
| December 2024 | SAR 82,543M | SAR 3,125.8M | 3.79% | 39.8% | 28.5% | 22.7% |
| November 2024 | SAR 81,234M | SAR 3,056.2M | 3.76% | 38.6% | 28.2% | 22.8% |
| October 2024 | SAR 79,856M | SAR 2,987.5M | 3.74% | 39.5% | 28.6% | 22.5% |
| September 2024 | SAR 78,542M | SAR 2,945.8M | 3.75% | 40.1% | 28.3% | 22.2% |
| August 2024 | SAR 77,321M | SAR 2,912.4M | 3.77% | 40.5% | 28.1% | 22.0% |
Risk Alerts & Notifications
3 ActiveStage 3 ECL Increase
Stage 3A (Doubtful) and Stage 3B (Loss) ECL have increased significantly compared to last quarter. Requires management review.
Updated 2 hours ago
SME Portfolio Watch
SME Banking segment shows increased Stage 2A (Special Monitoring) and Stage 2B (Substandard) migration. Monitor closely.
Updated 5 hours ago
Model Review Due
Annual ECL model validation review is due within 30 days.
Updated 1 day ago