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  "documentTitle": "KSA Banking Pulse Q3 2024",
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  "authorName": "Alvarez & Marsal",
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  "notes": "The slide uses a visual representation of a formula (Yield - Cost = NIM) using X and minus signs.",
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      "kind": "callout",
      "text": "Key takeaways: NIM remained stable at 2.95% in Q3'24 despite the rate cut by SAMA. Spreads remained relatively flat during the quarter. Yield on credit increased by 18bps QoQ while cost of funds was higher by 14bps QoQ",
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      "text": "Cost of Funds (Quarterly Annualized)",
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      "text": "Net Interest Margin (%, Quarterly Annualized)",
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      "text": "Loan-to-Deposit Ratio (LDR)",
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      "kind": "chart",
      "text": "Yield-on-Credit (Quarterly Annualized)",
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      "text": "Net Interest Margin: 2.95%",
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      "kind": "source-note",
      "text": "Note: Relation between elements above represents a functionality and not necessarily an exact mathematical formula. Source: Financial statements, Investor presentations, A&M analysis",
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      "kind": "title",
      "text": "NIM remained stable after three consecutive quarters of contraction",
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      "evidence": "Op income +6.0% to non-interest income lift to NIM stable at 2.95% across banks.",
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