{
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  "docSlug": "fe45dc45fa2f865d",
  "documentTitle": "Saudi Arabia Banking Pulse",
  "authorId": "misc",
  "authorName": "Alvarez & Marsal",
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  "documentKindLabel": "Consulting deck",
  "sourceTypeSlug": "strategy_consulting",
  "sourceTypeLabel": "Strategy consulting",
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  "orientation": "landscape",
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  "slideType": "peer_benchmark",
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  "density": "dense",
  "nDataPoints": 15,
  "notes": "The chart uses a 2x2 matrix to segment banks by their performance in loan and deposit growth.",
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      "kind": "callout",
      "text": "Aggregate L&A of the top ten banks increased by 3.7% QoQ, slightly higher than the previous quarter (+3.2% QoQ).",
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      "kind": "chart",
      "text": "Share of Government Deposits (%)",
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      },
      "kind": "chart",
      "text": "L&A Growth QoQ (%) vs Deposits Growth QoQ (%)",
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      "text": "2x2 Matrix",
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      "kind": "list",
      "text": "Aggregate L&A of the top ten banks increased by 3.7% QoQ, slightly higher than the previous quarter (+3.2% QoQ). Corporate / wholesale loans (+4.4% QoQ) drove the overall L&A growth. BJAZ and RIBL reported the highest increase in L&A growth by 6.3% and 4.9% QoQ, respectively. Aggregate bank deposits increased marginally by 1.4% QoQ. The rate cut cycle began at the fag end of Q3'24; customers responded well to the peak of the interest rates (Time deposits for KSA banks increased by 4.2% QoQ in Q3'24). Deposits from government entities increased by 4.0% QoQ and accounted for ~31.3% of the total bank deposits in Q3'24",
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    {
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      "kind": "metric",
      "text": "L&A Growth QoQ: 3.7%",
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      "kind": "title",
      "text": "Banks continue to expand credit outlay which has outpaced deposit mobilization",
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  "metrics": [],
  "tools": [
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      "slug": "contrast-pairs",
      "agent": "Storyteller",
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      "evidence": "Lending growth vs deposit growth axes set up the tension.",
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      "evidence": "'Banks continue to expand credit outlay which has outpaced deposit mobilization'.",
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      "name": "Annotation",
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      "agent": "Designer",
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      "evidence": "Quadrants labelled 'Gained Financing MS', 'Gained Deposits & Financing MS', etc.",
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    },
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      "name": "Chart Selection Guide",
      "slug": "chart-selection-guide",
      "agent": "Designer",
      "layer": "slide",
      "matchId": "019de781-175d-71ef-bace-8f2c5b4ac40b",
      "evidence": "2x2 quadrant scatter with bank logos as markers.",
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      "matchId": "019de781-2177-7464-a988-5f13d412cbe6",
      "evidence": "Quadrant chart with L&A vs Deposits growth axes and named quadrants.",
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      "evidence": "The central chart is a 2x2 matrix segmenting banks by growth metrics.",
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      "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,
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