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  "documentTitle": "Saudi Arabia Banking Pulse",
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  "authorName": "Alvarez & Marsal",
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  "notes": "The slide presents three distinct bar charts tracking quarterly performance metrics for KSA banks.",
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      "text": "In Q3'24, aggregate loans & advances (L&A) of top ten KSA banks increased +3.7% QoQ faster than the previous quarter, outpacing deposits growth (+1.4% QoQ).",
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      "text": "Aggregate RoE improved by 56bps QoQ to 17.4% in Q3'24. RoA remained stable at 2.0% in Q3'24, with net profit and average total assets growing by 5.3% QoQ and 3.3% QoQ, respectively.",
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      "text": "In Q3'24, aggregate loans & advances (L&A) of top ten KSA banks increased +3.7% QoQ faster than the previous quarter, outpacing deposits growth (+1.4% QoQ). Corporate / Wholesale segment continue to drive the aggregate with an increase of 4.4% QoQ; retail segment lending increased by 2.7% QoQ. Deposits from government entities increased by 4.0% QoQ and accounted for ~31.3% of the total bank deposits in Q3'24; demand deposits surged +20.5% QoQ. The LDR increased by 2.3% points QoQ to reach 100% in Q3'24 on the back of higher loan book growth.",
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      "text": "Aggregate total interest income grew by 5.6% QoQ in Q3'24, highest attained in last four quarters, supporting a 3.5% QoQ NII growth. Aggregate net profit increased by 5.3% QoQ in Q3'24 largely due to the growth in non-interest income (+15.2% QoQ). Operating expenses (+4.9% QoQ) and significant increase in impairment charges (+30.4% QoQ) weighed down on the profitability front.",
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      "text": "Loans & Advances growth: 3.7%",
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      "text": "Banking overview Q3'24",
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      "text": "Company Financials, * Data for top ten KSA banks by asset size as of September 30th 2024, QoQ stands for quarter over quarter",
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