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  "documentTitle": "Saudi Arabia Banking Pulse",
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  "authorName": "Alvarez & Marsal",
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  "notes": "The slide uses a visual 'X' and '-' symbol to indicate the mathematical relationship between the components and the NIM.",
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      "text": "Key takeaways: NIM remained stable at 2.95% in Q3'24 despite the rate cut by SAMA. Spreads remained relatively flat during the quarter. Yield on credit increased by 18bps QoQ while cost of funds was higher by 14bps QoQ",
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      "text": "Loan-to-Deposit Ratio (LDR)",
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      "text": "Net Interest Margin (%, Quarterly Annualized)",
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      "kind": "source-note",
      "text": "Note: Relation between elements above represents a functionality and not necessarily an exact mathematical formula. Source: Financial statements, Investor presentations, A&M analysis",
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      "text": "NIM remained stable after three consecutive quarters of contraction",
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