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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 bubbles (green for improved, red for worsened, orange for stable) to indicate the direction of change in ROE.",
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      "text": "Aggregate RoE improved (+0.56% point QoQ) to 17.4% in Q3'24",
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      "kind": "chart",
      "text": "Return on Equity (%) by bank for Q2'24 and Q3'24",
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      "text": "Improved (green), Stable (orange), Worsened (red)",
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      "text": "Aggregate RoE improved (+0.56% point QoQ) to 17.4% in Q3'24. This was due to an increase in aggregate net income by 5.3% QoQ to SAR 20.5bn. Seven out of the top ten banks witnessed improved profitability. SAB and ANB reported a decline.",
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      "kind": "title",
      "text": "Higher operating income and improved cost efficiency resulted in increased ROE",
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