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  "documentTitle": "KSA Banking Pulse Q3 2024",
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  "authorName": "Alvarez & Marsal",
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  "notes": "The chart uses color-coded callouts (green/red) to indicate improvement or worsening of NIM.",
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      "text": "Net Interest Margin (%, Quarterly) by bank for Q2'24 and Q3'24",
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      "text": "Note: Some numbers might not add up due to rounding off. Source: Financial statements, investor presentations, A&M analysis",
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      "text": "Q2'24, Q3'24, Q2'24 Av, Q3'24 Av, Improved, Stable, Worsened",
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      "kind": "list",
      "text": "Aggregate NIM remained stable at 2.9% in Q3'24; ANB expanded the most (+17bps); SNB contracted the most (-14bps); ALRAJHI and BALB improved.",
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      "text": "Net Interest Margin: 2.9%",
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      "kind": "title",
      "text": "NIM performance was mixed across KSA banks largely due to their respective funding profile",
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