{
  "docId": "019dd923-5ca1-7489-b633-f38eb376832b",
  "docSlug": "2d4845138580cb14",
  "documentTitle": "Saudi Arabia Banking Pulse Quarter 3, 2022",
  "authorId": "AlvarezMarsal",
  "authorName": "Alvarez & Marsal",
  "documentKindSlug": "consulting-deck",
  "documentKindLabel": "Consulting deck",
  "sourceTypeSlug": "strategy_consulting",
  "sourceTypeLabel": "Strategy consulting",
  "presentationDate": null,
  "orientation": "landscape",
  "aspectRatio": 1.778,
  "pageNumber": 9,
  "pageCount": 22,
  "prevPage": 8,
  "nextPage": 10,
  "slideType": "kpi_dashboard",
  "function": "analyze_data",
  "density": "overcrowded",
  "nDataPoints": 20,
  "notes": "The slide uses a causal-style diagram to link Yield on Credit and LDR to NIM, noting the relationship is functional rather than a strict mathematical formula.",
  "elementsJson": [
    "headline_text",
    "bar_chart_vertical",
    "bullet_list",
    "footnote"
  ],
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019dd923-5ca1-7489-b633-f38eb376832b/9",
  "deckHref": "/decks/019dd923-5ca1-7489-b633-f38eb376832b",
  "deckJsonHref": "/decks/019dd923-5ca1-7489-b633-f38eb376832b.json",
  "deckAnchorHref": "/decks/019dd923-5ca1-7489-b633-f38eb376832b#slide-9",
  "components": [
    {
      "bbox": null,
      "kind": "callout",
      "text": "NIM improved marginally by 7bps QoQ to 3.05% as aggregate net interest income increased (+5.3% QoQ)",
      "attrs": null,
      "subkind": null,
      "toolName": "Visual emphasis",
      "toolSlug": "visual-emphasis",
      "confidence": null,
      "componentId": "019dd951-a674-768f-a074-9cbf0cd0ea3b",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.15,
        "w": 0.3,
        "x": 0.03,
        "y": 0.22
      },
      "kind": "chart",
      "text": "Yield On Credit (Quarterly Annualized)",
      "attrs": null,
      "subkind": "bar-vertical",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "1e4fe695-26ae-4389-9df7-415f77c5a4d9",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.15,
        "w": 0.3,
        "x": 0.03,
        "y": 0.45
      },
      "kind": "chart",
      "text": "Loan-to-Deposit Ratio (LDR)",
      "attrs": null,
      "subkind": "bar-vertical",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "521caf8f-2b1e-4b72-9340-8cd4bb53a64c",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.6,
        "w": 0.3,
        "x": 0.38,
        "y": 0.22
      },
      "kind": "chart",
      "text": "Net Interest Margin (%, Quarterly Annualized)",
      "attrs": null,
      "subkind": "bar-vertical",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "ada3107f-9655-4df6-98b6-f152a7c1f16d",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.15,
        "w": 0.3,
        "x": 0.03,
        "y": 0.68
      },
      "kind": "chart",
      "text": "Cost of Funds (Quarterly Annualized)",
      "attrs": null,
      "subkind": "bar-vertical",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "c1f888dc-4a5f-43c7-a4cb-abe78b9fa6bc",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.05,
        "w": 0.5,
        "x": 0.02,
        "y": 0.94
      },
      "kind": "disclaimer",
      "text": "Note: Relation between elements above represents a functionality and not necessarily an exact mathematical formula. Source: Financial statements, Investor presentations, A&M analysis",
      "attrs": null,
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "7ac8ea8c-f606-49e4-b750-24e6feeb7f0a",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.4,
        "w": 0.28,
        "x": 0.7,
        "y": 0.25
      },
      "kind": "list",
      "text": "NIM improved marginally by 7bps QoQ to 3.05% as aggregate net interest income increased (+5.3% QoQ). Rising benchmark rates led to an improved yield on credit (+63bps QoQ) to 5.9%. Aggregate cost of funds deteriorated (+45bps QoQ), primarily due to increased SAIBOR (+184bps QoQ). ALINMA reported highest expansion in NIM (+45bps QoQ) whereas, SNB reported the highest contraction (-19bps QoQ)",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "87085a2c-0c0a-415b-89a7-082c790257e2",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": null,
      "kind": "metric",
      "text": "Net Interest Margin: 3.05%",
      "attrs": null,
      "subkind": "primary",
      "toolName": "Quantification",
      "toolSlug": "quantification",
      "confidence": null,
      "componentId": "019dd951-a674-768f-a074-a2b2bfd936c5",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.08,
        "w": 0.65,
        "x": 0.02,
        "y": 0.02
      },
      "kind": "title",
      "text": "NIMs expanded marginally as higher funding costs offset improvement in credit yield",
      "attrs": null,
      "subkind": "action-title",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "0e3836d6-2109-4e0f-b310-ab63e8e07485",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [
    {
      "metricRaw": "Net Interest Margin",
      "numberRaw": "3.05%",
      "numberKind": "percent",
      "actionTitle": "NIMs expanded marginally as higher funding costs offset improvement in credit yield",
      "calloutText": "NIM improved marginally by 7bps QoQ to 3.05% as aggregate net interest income increased (+5.3% QoQ)",
      "numberScale": null,
      "numberValue": 3.05,
      "metricFamily": "margin_return",
      "numberCurrency": null
    }
  ],
  "tools": [
    {
      "name": "Action Titles",
      "slug": "action-titles",
      "agent": "Architect",
      "layer": "slide",
      "matchId": "019dd95a-10d4-718b-9f5a-8125ca58830d",
      "evidence": "'NIMs expanded marginally as higher funding costs offset improvement in credit yield'.",
      "confidence": 88
    },
    {
      "name": "Annotation",
      "slug": "annotation",
      "agent": "Designer",
      "layer": "slide",
      "matchId": "019dd95a-10d4-718b-9f5a-854b3fb2e6b5",
      "evidence": "+7bps QoQ NIM delta and 3.05% level annotated.",
      "confidence": 75
    }
  ],
  "frameworks": [
    {
      "name": "causal-chain",
      "slug": null,
      "matchId": "b0834c6a-ba26-4e88-969c-092fd12f72f2",
      "evidence": "Visual links between Yield/LDR and NIM with mathematical operators",
      "confidence": 0.8
    }
  ],
  "arcBeats": [
    {
      "to": 15,
      "from": 2,
      "beatId": "019dd95a-0682-776c-8e36-e558fe4b740c",
      "arcName": "The Triple Take",
      "arcSlug": "triple-take",
      "beatName": "The Facts (What)",
      "beatSlug": "triple-take-the-facts-what",
      "evidence": "Foreword + macro then KPI-by-KPI quarterly data tables and charts.",
      "position": 1,
      "confidence": 75,
      "parentBeatName": "Setup",
      "parentBeatSlug": "setup"
    },
    {
      "to": 15,
      "from": 4,
      "beatId": "019dd95a-0682-776c-8e36-f699df889704",
      "arcName": "The Mountain",
      "arcSlug": "mountain",
      "beatName": "Rising Action",
      "beatSlug": "mountain-rising-action",
      "evidence": "Sequential KPI improvements: NIM, C/I, asset quality, cost of risk.",
      "position": 2,
      "confidence": 55,
      "parentBeatName": "Development",
      "parentBeatSlug": "development"
    }
  ],
  "loops": [
    {
      "to": 10,
      "from": 8,
      "name": "Zoom In",
      "slug": "06-zoom-in",
      "bestFor": "Technical deep-dives, case studies, detailed analysis",
      "matchId": "019dd95a-07fe-70ce-8d3f-7d3da00cf173",
      "evidence": "Op income overview (p.8) -> aggregate NIM trend (p.9) -> per-bank NIM small multiples (p.10).",
      "position": 3,
      "objective": "Zoom from operating income to NIM aggregate to per-bank NIM",
      "structure": "The Big Picture -> Key Area of Focus -> Specific Detail -> Implication",
      "confidence": 80,
      "description": "Start broad, then progressively focus on specific details that prove your point"
    }
  ],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}