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  "documentTitle": "Saudi Arabia Banking Pulse",
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      "text": "C/I ratio improved marginally by 31 bps to 31.0% in Q3'24. This was due to the higher growth in operating income (+6.0% QoQ) as compared to the operating expenses (+4.9%). RIBL reported the highest improvement in the C/I ratio (down 188bps QoQ). ALRAJHI is the bank with the lowest C/I ratio across the ten banks (24.5% in Q3'24) and continues to improve (-1.1% points QoQ).",
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