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  "documentTitle": "KSA Banking Pulse Q3 2024",
  "authorId": "AlvarezMarsal",
  "authorName": "Alvarez & Marsal",
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  "notes": "The chart illustrates the transition from 19.47 SAR Bn to 20.51 SAR Bn.",
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      "text": "Net income bridge (SAR Bn)",
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      "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",
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      "text": "Net Income: 20.5bn",
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      "text": "Despite rate cuts, higher NII and Fee / Other Income contributed to the earnings growth",
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