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  "documentTitle": "Saudi Arabia Banking Pulse Quarter 3, 2022",
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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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      "text": "C/I ratio improved by 0.9% points QoQ in Q3'22. Cost efficiency stemmed from growth in operating income (+4.9% QoQ) which outpaced growth in operating expense (+2.1% QoQ). C/I ratio deteriorated for ALRAJHI and RIBL. For Q3'22, branch changes noted.",
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