{
  "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": 11,
  "pageCount": 30,
  "prevPage": 10,
  "nextPage": 12,
  "slideType": "kpi_dashboard",
  "function": "analyze_data",
  "density": "dense",
  "nDataPoints": 20,
  "notes": "The chart uses a 'dumbbell' style visualization to show movement between two time periods for each bank.",
  "elementsJson": [
    "headline_text",
    "bullet_list",
    "scatter_plot",
    "callout_box"
  ],
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019dd923-5de0-76bd-a166-85fd4587d7e0/11",
  "deckHref": "/decks/019dd923-5de0-76bd-a166-85fd4587d7e0",
  "deckJsonHref": "/decks/019dd923-5de0-76bd-a166-85fd4587d7e0.json",
  "deckAnchorHref": "/decks/019dd923-5de0-76bd-a166-85fd4587d7e0#slide-11",
  "components": [
    {
      "bbox": null,
      "kind": "callout",
      "text": "Aggregate LDR increased by 2.3% points QoQ to 100.1% in Q3'24 as seven out of the ten banks reported an increase in LDR.",
      "attrs": null,
      "subkind": null,
      "toolName": "Visual emphasis",
      "toolSlug": "visual-emphasis",
      "confidence": null,
      "componentId": "019dd951-fef5-761e-80ac-9243b593e36b",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.75,
        "w": 0.65,
        "x": 0.3,
        "y": 0.1
      },
      "kind": "chart",
      "text": "Loans to Deposits Ratio (%) vs Total Asset (SAR Bn)",
      "attrs": null,
      "subkind": "scatter",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "7edeb884-b80e-4d8b-9245-c63ded0da57b",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.04,
        "w": 0.3,
        "x": 0.3,
        "y": 0.94
      },
      "kind": "disclaimer",
      "text": "Note: The green zone is an area of healthy liquidity. Source: Financial statements, A&M analysis",
      "attrs": null,
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "f60bc6e7-b5ab-49e8-b44d-464127cc762c",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.05,
        "w": 0.25,
        "x": 0.3,
        "y": 0.82
      },
      "kind": "legend",
      "text": "Q2'24 (triangle) to Q3'24 (circle) movement",
      "attrs": null,
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "64e7f483-3d53-45f2-bbc4-28f1f2b5e74d",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.3,
        "w": 0.25,
        "x": 0.04,
        "y": 0.33
      },
      "kind": "list",
      "text": "Aggregate LDR increased by 2.3% points QoQ to 100.1% in Q3'24 as seven out of the ten banks reported an increase in LDR. SAB reported the highest increase in LDR (5.5% points QoQ) to 96.8% in Q3'24. BALB witnessed the highest decline in LDR.",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "a8f37177-a9e0-4c0f-83a5-640b1afe382d",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": null,
      "kind": "metric",
      "text": "Loans to Deposits Ratio: 100.1%",
      "attrs": null,
      "subkind": "primary",
      "toolName": "Quantification",
      "toolSlug": "quantification",
      "confidence": null,
      "componentId": "019dd951-fef5-761e-80ac-95075b830468",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.1,
        "w": 0.25,
        "x": 0.04,
        "y": 0.05
      },
      "kind": "title",
      "text": "LDR crossed 100% for the first time in 2024 for the KSA banks",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "b9ea589d-bbbc-469f-9215-f052e40db3fc",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [
    {
      "name": "Action Titles",
      "slug": "action-titles",
      "agent": "Architect",
      "layer": "slide",
      "matchId": "019de781-194a-733b-a4cf-dddfd3a41d49",
      "evidence": "'LDR crossed 100% for the first time in 2024'.",
      "confidence": 90
    },
    {
      "name": "Annotation",
      "slug": "annotation",
      "agent": "Designer",
      "layer": "slide",
      "matchId": "019de781-199f-711e-ba24-1c9ac557b4a1",
      "evidence": "Reference lines at 100.1% and 97.8%; 'healthy zone' shaded.",
      "confidence": 90
    },
    {
      "name": "Chart Selection Guide",
      "slug": "chart-selection-guide",
      "agent": "Designer",
      "layer": "slide",
      "matchId": "019de781-1975-73eb-8282-fafa832adb73",
      "evidence": "Scatter with LDR vs Total Assets and vector arrows for movement.",
      "confidence": 85
    },
    {
      "name": "Color Strategy",
      "slug": "color-strategy",
      "agent": "Designer",
      "layer": "slide",
      "matchId": "019de781-19c9-74ef-8ea4-dea2b2e06648",
      "evidence": "Triangle (Q2) vs circle (Q3) markers with directional arrows.",
      "confidence": 70
    }
  ],
  "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
}