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  "documentTitle": "Saudi Arabia Banking Pulse Quarter 3, 2022",
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  "authorName": "Alvarez & Marsal",
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      "text": "Asset quality improved slightly as NPL ratio decreased (-4bps QoQ) to 1.5% in Q3'22 from 1.6% in Q2'22. The aggregate coverage ratio decreased 2.7% QoQ. Only SABB and BSF reported deteriorated asset quality. Coverage ratio increased the most for BALB.",
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      "text": "Note: Scaling and some numbers might not add up due to rounding. Source: Financial statements, investor presentations, A&M analysis, 1 accumulated allowance for impairment / NPL",
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