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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 division symbol to indicate the calculation of Cost of Risk from Net Loan Loss Provisions and Average Gross Loans.",
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      "text": "Key takeaways: Aggregate cost of risk deteriorated by 7bps QoQ to 0.35% in Q3'24. This was attributable to a significant rise in the aggregate impairment charges (+30.4% QoQ) to SAR 2.4bn. The top three banks reported more than 80.0% QoQ increase in the impairment charges. Six out of the top ten banks reported higher cost of risk, with SAB reporting the highest deterioration of 30bps QoQ to 0.49%.",
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      "text": "Note: Scaling and some numbers might not add up due to rounding. Source: Financial statements, investor presentations, A&M analysis",
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