{
  "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": 17,
  "pageCount": 30,
  "prevPage": 16,
  "nextPage": 18,
  "slideType": "kpi_dashboard",
  "function": "compare_peers",
  "density": "dense",
  "nDataPoints": 90,
  "notes": "The slide uses a combination of bar charts for coverage ratios and line/marker charts for NPL ratios.",
  "elementsJson": [
    "headline_text",
    "action_title",
    "callout_box",
    "bullet_list",
    "bar_chart_grouped",
    "footnote"
  ],
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019dd923-5de0-76bd-a166-85fd4587d7e0/17",
  "deckHref": "/decks/019dd923-5de0-76bd-a166-85fd4587d7e0",
  "deckJsonHref": "/decks/019dd923-5de0-76bd-a166-85fd4587d7e0.json",
  "deckAnchorHref": "/decks/019dd923-5de0-76bd-a166-85fd4587d7e0#slide-17",
  "components": [
    {
      "bbox": {
        "h": 0.3,
        "w": 0.25,
        "x": 0.04,
        "y": 0.25
      },
      "kind": "callout",
      "text": "Key takeaways: Aggregate asset quality improved by 3bps QoQ to 1.1% in Q3'24. Aggregate coverage ratio increased to 167.2% (+3.2% points QoQ).",
      "attrs": null,
      "subkind": "primary",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "69df9f18-d8f3-4802-8dc8-9698cb6a5c42",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": null,
      "kind": "callout",
      "text": "Aggregate asset quality improved by 3bps QoQ to 1.1% in Q3'24",
      "attrs": null,
      "subkind": null,
      "toolName": "Visual emphasis",
      "toolSlug": "visual-emphasis",
      "confidence": null,
      "componentId": "019dd951-fef5-761e-80ad-57e65cf6aa43",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.8,
        "w": 0.65,
        "x": 0.3,
        "y": 0.1
      },
      "kind": "chart",
      "text": "Coverage Ratio and NPL / Net Loans Ratio (%, Quarterly) for 9 banks",
      "attrs": null,
      "subkind": "bar-vertical",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "d972e72f-053c-4c92-9f46-b1e6fdb36267",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": null,
      "kind": "metric",
      "text": "Coverage Ratio: 167.2%",
      "attrs": null,
      "subkind": "primary",
      "toolName": "Quantification",
      "toolSlug": "quantification",
      "confidence": null,
      "componentId": "019dd951-fef5-761e-80ad-5a31869f2272",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.05,
        "w": 0.3,
        "x": 0.3,
        "y": 0.95
      },
      "kind": "source-note",
      "text": "Note: Scaling and some numbers might not add up due to rounding. Source: Financial statements, investor presentations, A&M analysis, 1 accumulated allowance for impairment / NPL",
      "attrs": null,
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "09af291d-a17c-4881-b2c6-e25991a394e0",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.1,
        "w": 0.25,
        "x": 0.04,
        "y": 0.05
      },
      "kind": "title",
      "text": "Asset quality and coverage ratio improved for most of the banks",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "b1c91303-04e1-4a4a-b5f1-6629d0c4e055",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [
    {
      "name": "Action Titles",
      "slug": "action-titles",
      "agent": "Architect",
      "layer": "slide",
      "matchId": "019de781-1d0c-72fb-bd5e-e974c51a4672",
      "evidence": "'Asset quality and coverage ratio improved for most of the banks'.",
      "confidence": 85
    },
    {
      "name": "Color Strategy",
      "slug": "color-strategy",
      "agent": "Designer",
      "layer": "slide",
      "matchId": "019de781-1d60-77b1-a024-f526cdbf69f7",
      "evidence": "Coverage and NPL plotted with consistent palette per bank.",
      "confidence": 75
    },
    {
      "name": "Small Multiples",
      "slug": "small-multiples",
      "agent": "Designer",
      "layer": "slide",
      "matchId": "019de781-1d36-746c-a09e-244eb4e5fd52",
      "evidence": "Nine identical bank-level coverage/NPL panels.",
      "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": 20,
      "from": 17,
      "name": "Zoom In",
      "slug": "06-zoom-in",
      "bestFor": "Technical deep-dives, case studies, detailed analysis",
      "matchId": "019de781-12d1-743f-ae0d-bbf196ef00a1",
      "evidence": "Asset quality dashboard -> ECL stages -> cost of risk trend -> bank-level cost of risk drivers.",
      "position": 6,
      "objective": "Zoom into credit quality and cost of risk",
      "structure": "The Big Picture -> Key Area of Focus -> Specific Detail -> Implication",
      "confidence": 70,
      "description": "Start broad, then progressively focus on specific details that prove your point"
    }
  ],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}