رئيس مجلس إدارة مصرف الريان القطري: مخصصات البنك كانت تبلغ 200 مليون ريال واضطررنا لرفعها
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00:00 "The bank, during the first two years of integration, was aimed at reducing operating expenses
00:07 and optimising the banking operations of the banks.
00:10 We see the results during this period.
00:13 As for the reduction or, let's say, the formation of the bank's specialisations,
00:17 it was a political decision.
00:19 We were clear from the previous board of directors,
00:21 we met in 2020-2022, and in 2023 we discussed the 2022 budget.
00:27 We spoke with the shareholders in all honesty and clarity.
00:30 We said that the bank, during the previous period,
00:32 had a very low proportion of specialisations.
00:35 You are not aware of this, you are not shareholders.
00:37 The proportion of specialisations was around 200 million.
00:39 We had to raise it, and we did.
00:41 We are grateful for the support of the shareholders.
00:43 We were able to raise the specialisations.
00:46 Based on this, we protected the bank from any challenges,
00:49 and this was clear to us even in this financial year.
00:51 We see that in this financial year, the proportion of specialisations has decreased.
00:55 The bank has gained more profits.
00:57 We also see that the proportion of NPL, or Non-Performing Loans,
01:02 which are affected loans, has decreased.
01:05 We are working on this and this policy, God willing,
01:07 in the coming year, and God willing,
01:09 it will be clear to us, God willing,
01:11 its impact during the coming period.
01:13 You should not be surprised,
01:14 we mentioned this a while ago in a report from the head of the board of directors,
01:17 that the increase in the proportion of specialisations
01:20 has affected the banking sector in general in all the banks in the world.
01:23 If you look at the banks in the world,
01:25 there is an impact on the cost of financing,
01:27 and I think there is an increase in their revenues.
01:29 God willing, in the coming period,
01:31 after we expect that there will be plans for this,
01:33 it will help in increasing the profitability of the bank.