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  "documentTitle": "Saudi Arabia Banking Pulse",
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  "authorName": "Alvarez & Marsal",
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  "notes": "Data presented as stacked bar charts for individual banks and an aggregate view.",
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      "kind": "callout",
      "text": "All the KSA banks reported an increase in Stage 1 loans resulting in a 3.7% QoQ increase in the aggregate, accounting for 93.7% of the total loans.",
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      "kind": "chart",
      "text": "Stage wise ECL mix (SAR bn)",
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      "kind": "chart",
      "text": "Aggregate ECL (SAR bn)",
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      "text": "All the KSA banks reported an increase in Stage 1 loans resulting in a 3.7% QoQ increase in the aggregate, accounting for 93.7% of the total loans. Stage 3 loans are well provided for with 56.1% coverage by stage 3 ECL allowance in Q3'24. ALRAJHI contributed to the increase in Stage 3 loans with an increase of 6.1% QoQ",
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      "text": "ECL: 49.3",
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      "text": "Note 1: Scaling and some numbers might not add up due to rounding. Note 2: L&A mix by stage consists of 9 banks (ex-RIBL). We have used comparable ECL by stage (ex-RIBL) numbers for key takeaway comments. Source: Financial statements, investor presentations, A&M analysis, 1 accumulated allowance for impairment / NPL",
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      "kind": "title",
      "text": "Stage 3 loans increased marginally while banks maintained adequate provisions",
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