{
  "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": 7,
  "pageCount": 30,
  "prevPage": 6,
  "nextPage": 8,
  "slideType": "financial_analysis",
  "function": "quantify_impact",
  "density": "dense",
  "nDataPoints": 9,
  "notes": "The chart illustrates the transition from 19.47 SAR Bn to 20.51 SAR Bn.",
  "elementsJson": [
    "headline_text",
    "bullet_list",
    "waterfall_chart"
  ],
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019dd923-5de0-76bd-a166-85fd4587d7e0/7",
  "deckHref": "/decks/019dd923-5de0-76bd-a166-85fd4587d7e0",
  "deckJsonHref": "/decks/019dd923-5de0-76bd-a166-85fd4587d7e0.json",
  "deckAnchorHref": "/decks/019dd923-5de0-76bd-a166-85fd4587d7e0#slide-7",
  "components": [
    {
      "bbox": null,
      "kind": "callout",
      "text": "Aggregate net income increased by 5.3% QoQ to SAR 20.5bn",
      "attrs": null,
      "subkind": null,
      "toolName": "Visual emphasis",
      "toolSlug": "visual-emphasis",
      "confidence": null,
      "componentId": "019dd951-fef5-761e-80ab-a23e1e9e3911",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.7,
        "w": 0.6,
        "x": 0.3,
        "y": 0.15
      },
      "kind": "chart",
      "text": "Net income bridge (SAR Bn)",
      "attrs": null,
      "subkind": "waterfall",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "f15778e6-2262-4023-a48c-cba1af208e7b",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.25,
        "w": 0.24,
        "x": 0.05,
        "y": 0.34
      },
      "kind": "list",
      "text": "Aggregate net income increased by 5.3% QoQ to SAR 20.5bn; Operating income increased by 6.0% QoQ; NII increased by 3.5% QoQ while non-interest income increased substantially by 15.2% QoQ; Operating expenses increased by 4.9%; Impairment charges increased 30.4% QoQ",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "52f75ec1-2e55-437d-b215-84ecebfc2d3e",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": null,
      "kind": "metric",
      "text": "Net income: 20.5bn",
      "attrs": null,
      "subkind": "primary",
      "toolName": "Quantification",
      "toolSlug": "quantification",
      "confidence": null,
      "componentId": "019dd951-fef5-761e-80ab-a55930ca0ee3",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.02,
        "w": 0.2,
        "x": 0.3,
        "y": 0.95
      },
      "kind": "source-note",
      "text": "Source: Financial statements, Investor presentations, A&M analysis",
      "attrs": null,
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "7ebbe827-2973-4db1-9391-17c464cdb626",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.15,
        "w": 0.25,
        "x": 0.04,
        "y": 0.05
      },
      "kind": "title",
      "text": "Despite rate cuts, higher NII and Fee / Other Income contributed to the earnings growth",
      "attrs": null,
      "subkind": "action-title",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "bc7c94e0-67f8-41fe-8784-30e50d693078",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [
    {
      "name": "Contrast Pairs",
      "slug": "contrast-pairs",
      "agent": "Storyteller",
      "layer": "loop",
      "matchId": "019de781-1709-701b-9dee-b71714a7810e",
      "evidence": "Q2'24 vs Q3'24 endpoint pairing drives the bridge.",
      "confidence": 70
    },
    {
      "name": "Action Titles",
      "slug": "action-titles",
      "agent": "Architect",
      "layer": "slide",
      "matchId": "019de781-1607-731c-87fe-09442719cfe1",
      "evidence": "'Despite rate cuts, higher NII and Fee... contributed to earnings growth'.",
      "confidence": 90
    },
    {
      "name": "Annotation",
      "slug": "annotation",
      "agent": "Designer",
      "layer": "slide",
      "matchId": "019de781-16dd-77fc-ae12-83b608650733",
      "evidence": "Each bar labelled with SAR Bn delta value.",
      "confidence": 80
    },
    {
      "name": "Chart Selection Guide",
      "slug": "chart-selection-guide",
      "agent": "Designer",
      "layer": "slide",
      "matchId": "019de781-1687-77b7-8e4d-a7cd1e4f8cb7",
      "evidence": "Waterfall chart correctly chosen for additive bridge analysis.",
      "confidence": 95
    },
    {
      "name": "Color Strategy",
      "slug": "color-strategy",
      "agent": "Designer",
      "layer": "slide",
      "matchId": "019de781-16b2-77f2-856b-62b414a41906",
      "evidence": "Green positive bars, red negative bars, navy endpoints.",
      "confidence": 90
    },
    {
      "name": "Waterfall chart",
      "slug": "waterfall-chart",
      "agent": null,
      "layer": "slide",
      "matchId": "4907e957-908e-4db0-8b1e-fbd211329760",
      "evidence": "chart/waterfall: Net income bridge (SAR Bn)",
      "confidence": 0.7
    }
  ],
  "frameworks": [
    {
      "name": "waterfall-chart",
      "slug": null,
      "matchId": "155ad833-fe19-43e0-8767-2316deed7984",
      "evidence": "The chart is a standard financial waterfall bridge.",
      "confidence": 1
    },
    {
      "name": "Waterfall / Value Bridge",
      "slug": null,
      "matchId": "019de781-214c-76be-8e68-c2383b9861c8",
      "evidence": "Classic Q2 -> Q3 net income bridge with positive/negative driver bars.",
      "confidence": 95
    }
  ],
  "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": 7,
      "from": 7,
      "name": "Waterfall Value",
      "slug": "31-waterfall-value",
      "bestFor": "Financial analysis, value bridges, variance explanations",
      "matchId": "019de781-124b-7241-9f3c-bfb60bbb180c",
      "evidence": "Net income bridge waterfall (SAR 19.47bn -> 20.51bn) with NII, fees, opex, impairments components.",
      "position": 3,
      "objective": "Decompose Q2-to-Q3 net income drivers",
      "structure": "The Total -> Driver 1 Impact -> Driver 2 Impact -> Driver 3 Impact -> The Remainder",
      "confidence": 90,
      "description": "Break down a big number into its component drivers to show where value is created or lost"
    }
  ],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}