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  "documentTitle": "Saudi Arabia Banking Pulse Quarter 3, 2022",
  "authorId": "AlvarezMarsal",
  "authorName": "Alvarez & Marsal",
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  "notes": "The chart uses a grouped bar chart format to compare two quarters, with arrows indicating the direction of change and numerical deltas.",
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      "text": "Net Interest Margin (%, Quarterly)",
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      "text": "Eight out of the top ten banks have reported expansion in NIM with aggregate NIM increasing by 7bps QoQ in Q3'22. NIM for ALINMA expanded (+45bps QoQ) due to growth in the interest income and favorable funding mix. This was followed by SIBC as NIM expanded by 36bps QoQ. SNB and ALRAJHI were the only two banks that reported a contraction in NIM by 19bps and 13bps QoQ respectively",
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      "text": "Note: Some numbers might not add up due to rounding. Source: Financial statements, investor presentations, A&M analysis",
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