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  "documentTitle": "Saudi Arabia Banking Pulse",
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      "text": "L&A increased by 3.7% QoQ while deposits grew at a slower pace at +1.4% QoQ in Q3'24",
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      "text": "Note 1: Growth in loans & advances and deposits were presented QoQ instead of YoY. Note 2: Quarterly income was used in the calculation of operating income growth. Source: Financial statements, Investor presentations, A&M analysis",
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      "text": "Key Trends of Q3'24: 1. L&A increased by 3.7% QoQ... 8. RoRWA increased by 4bps QoQ while capital adequacy ratio deteriorated by 0.2% points to 19.2%",
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      "text": "L&A Growth: 3.7%",
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      "text": "Metric table with categories (Size, Liquidity, Income & Operating Efficiency, Risk, Profitability, Capital) and values for Q2'24 and Q3'24 with trend indicators.",
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      "kind": "title",
      "text": "KSA banks continued lending momentum and saw improvement on the cost efficiency front",
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