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  "docSlug": "fe45dc45fa2f865d",
  "documentTitle": "Saudi Arabia Banking Pulse",
  "authorId": "misc",
  "authorName": "Alvarez & Marsal",
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  "notes": "The chart uses color-coded callouts (green/red/orange) to indicate improvement, worsening, or stability in NIM.",
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      "kind": "callout",
      "text": "Aggregate NIM remained stable at 2.9% in Q3'24",
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      "kind": "chart",
      "text": "Net Interest Margin (%, Quarterly)",
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      "kind": "disclaimer",
      "text": "Note: Some numbers might not add up due to rounding off. Source: Financial statements, investor presentations, A&M analysis",
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      "text": "Q2'24, Q3'24, Q2'24 Av, Q3'24 Av, Improved, Stable, Worsened",
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      "kind": "list",
      "text": "Aggregate NIM remained stable at 2.9% in Q3'24; NIM for ANB expanded the most (+17bps QoQ); NIM for SNB contracted the most (-14bps QoQ); NIM for retail focused banks such as ALRAJHI (+14bps QoQ) and BALB (+10 bps) was better this quarter",
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      "text": "Net Interest Margin: 2.9%",
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      "kind": "title",
      "text": "NIM performance was mixed across KSA banks largely due to their respective funding profile",
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