{
  "docId": "019dd923-5de0-76bd-a166-85fd4587d7e0",
  "docSlug": "fe45dc45fa2f865d",
  "documentTitle": "Saudi Arabia Banking Pulse",
  "authorId": "misc",
  "authorName": "Alvarez & Marsal",
  "documentKindSlug": "consulting-deck",
  "documentKindLabel": "Consulting deck",
  "sourceTypeSlug": "strategy_consulting",
  "sourceTypeLabel": "Strategy consulting",
  "presentationDate": null,
  "orientation": "landscape",
  "aspectRatio": 1.778,
  "pageNumber": 10,
  "pageCount": 30,
  "prevPage": 9,
  "nextPage": 11,
  "slideType": "kpi_dashboard",
  "function": "analyze_data",
  "density": "dense",
  "nDataPoints": 45,
  "notes": "The slide uses a consistent stacked bar chart format to compare deposit composition across 9 banks plus an aggregate view.",
  "elementsJson": [
    "headline_text",
    "bullet_list",
    "bar_chart_stacked",
    "callout_box",
    "footnote"
  ],
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019dd923-5de0-76bd-a166-85fd4587d7e0/10",
  "deckHref": "/decks/019dd923-5de0-76bd-a166-85fd4587d7e0",
  "deckJsonHref": "/decks/019dd923-5de0-76bd-a166-85fd4587d7e0.json",
  "deckAnchorHref": "/decks/019dd923-5de0-76bd-a166-85fd4587d7e0#slide-10",
  "components": [
    {
      "bbox": {
        "h": 0.35,
        "w": 0.24,
        "x": 0.05,
        "y": 0.27
      },
      "kind": "callout",
      "text": "Key takeaways",
      "attrs": null,
      "subkind": "primary",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "bf2b747f-e919-494f-b717-7286b4d34ae1",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": null,
      "kind": "callout",
      "text": "Banks reported healthy increase in time deposits (+4.2% QoQ); on the contrary, aggregate CASA deposits declined marginally by 0.2% QoQ, and accounted for 58.2% of the total deposits in Q3'24",
      "attrs": null,
      "subkind": null,
      "toolName": "Visual emphasis",
      "toolSlug": "visual-emphasis",
      "confidence": null,
      "componentId": "019dd951-fef5-761e-80ac-39e3fa509a65",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.25,
        "w": 0.24,
        "x": 0.05,
        "y": 0.63
      },
      "kind": "chart",
      "text": "Aggregate Deposits (SRA bn)",
      "attrs": null,
      "subkind": "bar-stacked",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "30dd5289-c712-4dba-9909-4fb4ac214c5f",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.8,
        "w": 0.65,
        "x": 0.3,
        "y": 0.1
      },
      "kind": "chart",
      "text": "Customer deposits (SRA bn) - Individual Bank Charts",
      "attrs": null,
      "subkind": "bar-stacked",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "b17d6eb3-6951-4dbc-90ed-64dc0d1f2c6f",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": null,
      "kind": "metric",
      "text": "Customer deposits: 2,718",
      "attrs": null,
      "subkind": "primary",
      "toolName": "Quantification",
      "toolSlug": "quantification",
      "confidence": null,
      "componentId": "019dd951-fef5-761e-80ac-3df9d24129c3",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.03,
        "w": 0.3,
        "x": 0.3,
        "y": 0.94
      },
      "kind": "source-note",
      "text": "Note: Scaling and some numbers might not add up due to rounding. Source: Financial statements, investor presentations, A&M analysis",
      "attrs": null,
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "ba748453-0c18-4091-8730-c4b32975ef46",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.12,
        "w": 0.25,
        "x": 0.04,
        "y": 0.05
      },
      "kind": "title",
      "text": "Aggregate deposits growth moderated during the quarter and was mainly driven by increase in time deposits",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "bff04463-49c8-4384-b4de-c059c77d5c3a",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [
    {
      "name": "Action Titles",
      "slug": "action-titles",
      "agent": "Architect",
      "layer": "slide",
      "matchId": "019de781-18c7-7439-a055-903a668784d1",
      "evidence": "'Aggregate deposits growth moderated... mainly driven by increase in time deposits'.",
      "confidence": 85
    },
    {
      "name": "Color Strategy",
      "slug": "color-strategy",
      "agent": "Designer",
      "layer": "slide",
      "matchId": "019de781-191e-71a5-9723-53af1e5829ce",
      "evidence": "CASA / Time / Other deposit categories color-coded uniformly.",
      "confidence": 80
    },
    {
      "name": "Small Multiples",
      "slug": "small-multiples",
      "agent": "Designer",
      "layer": "slide",
      "matchId": "019de781-18f2-7250-bf93-99b2bb7f8699",
      "evidence": "Nine bank stacked bar charts in a consistent grid.",
      "confidence": 90
    }
  ],
  "frameworks": [],
  "arcBeats": [
    {
      "to": 21,
      "from": 3,
      "beatId": "019de781-0fc1-7454-8f9a-0e73ec4b709d",
      "arcName": "The Triple Take",
      "arcSlug": "triple-take",
      "beatName": "The Facts (What)",
      "beatSlug": null,
      "evidence": "Macro plus 15+ KPI deep-dives describing Q3'24 banking metrics.",
      "position": 1,
      "confidence": 60,
      "parentBeatName": null,
      "parentBeatSlug": null
    },
    {
      "to": 21,
      "from": 7,
      "beatId": "019de781-111a-7583-87f8-4ade5a2d4710",
      "arcName": "The Onion",
      "arcSlug": "onion",
      "beatName": "Deeper Layer",
      "beatSlug": null,
      "evidence": "Bank-level breakdowns of income, balance sheet, NIM, C/I, risk, ROE.",
      "position": 3,
      "confidence": 50,
      "parentBeatName": null,
      "parentBeatSlug": null
    }
  ],
  "loops": [
    {
      "to": 11,
      "from": 8,
      "name": "Tale Two Worlds",
      "slug": "04-tale-two-worlds",
      "bestFor": "Competitive analysis, benchmarking, case for change",
      "matchId": "019de781-1275-77da-af68-0f380dc83077",
      "evidence": "2x2 (loans vs deposits), loan/deposit composition splits, LDR scatter all argue the L&A vs deposits gap.",
      "position": 4,
      "objective": "Show divergence between lending growth and deposit mobilization",
      "structure": "Current State -> Desired State / Benchmark -> The Gap & Implication",
      "confidence": 75,
      "description": "Show the gap between two states to drive urgency or highlight opportunity"
    }
  ],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}