{"id":125933,"date":"2026-09-29T19:18:29","date_gmt":"2026-09-29T16:18:29","guid":{"rendered":"https:\/\/ainalalam.com\/?p=125933"},"modified":"2026-09-29T19:18:29","modified_gmt":"2026-09-29T16:18:29","slug":"alvarez-marsal-releases-q2-2026-ksa-banking-pulse","status":"publish","type":"post","link":"https:\/\/ainalalam.com\/?p=125933","title":{"rendered":"ALVAREZ &#038; MARSAL RELEASES Q2 2026 KSA BANKING PULSE"},"content":{"rendered":"[mhc_section admin_label=&#8221;\u0642\u0633\u0645&#8221; fullwidth=&#8221;on&#8221; specialty=&#8221;off&#8221;][mhc_fullwidth_menu admin_label=&#8221;\u0642\u0627\u0626\u0645\u0629 \u0628\u0639\u0631\u0636 \u0643\u0627\u0645\u0644&#8221; menu_id=&#8221;56&#8243; background_color=&#8221;#ffffff&#8221; background_layout=&#8221;light&#8221; text_orientation=&#8221;center&#8221; submenu_direction=&#8221;downwards&#8221; fullwidth_menu=&#8221;off&#8221;] [\/mhc_fullwidth_menu][\/mhc_section][mhc_section admin_label=&#8221;section&#8221; transparent_background=&#8221;off&#8221; 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background_layout=&#8221;light&#8221; text_orientation=&#8221;left&#8221; animation=&#8221;off&#8221;]\n<p><strong>\u00a0<\/strong><\/p>\n<p dir=\"ltr\" style=\"direction: ltr;\"><strong>\u00a0<\/strong><\/p>\n<ul dir=\"ltr\">\n<li style=\"direction: ltr;\">Lending growth accelerated 1.8% Quarter-on-Quarter (QoQ), while deposits grew by 2.7% QoQ.<\/li>\n<li style=\"direction: ltr;\">Operating income increased by 5.1% QoQ, primarily driven by a 38.5% QoQ increase in other operating income, alongside 2.1% QoQ growth in both net interest income and net fee and commission income.<\/li>\n<li style=\"direction: ltr;\">Asset quality performance remained mixed, with NPL ratio stable at 0.9%, coverage ratio marginally improved to 162.7%, however CoR increased to 0.32%.<\/li>\n<li style=\"direction: ltr;\">Profitability improved, with NIM broadly stable at 2.85%, while RoA and RoE rose to 2.1% and 15.0%, respectively.<\/li>\n<\/ul>\n<p dir=\"ltr\" style=\"direction: ltr;\"><strong>\u00a0<\/strong><\/p>\n<p dir=\"ltr\" style=\"direction: ltr;\"><strong>Ain Alalam &#8211; Rashad Iskandrni<\/strong><\/p>\n<p dir=\"ltr\" style=\"direction: ltr;\"><strong>29 September 2026 \u2013 <\/strong>Leading global professional services firm\u00a0Alvarez &amp; Marsal\u00a0<u>(<\/u>A&amp;M) has released its latest edition of the\u00a0Kingdom of Saudi Arabia (KSA) Banking Pulse, analysing the Q2 2026 performance of the Kingdom\u2019s ten largest listed banks. The quarter underscored the resilience of the KSA banking sector, with expanding balance sheets, adequate capital buffers, sustained margins and improved profitability, supported by prudent cost optimization measures, while asset quality performance remained mixed.<\/p>\n<p dir=\"ltr\" style=\"direction: ltr;\">Aggregate net loans and advances (L&amp;A) increased by 1.8% QoQ, while deposits grew at a faster pace of 2.7% QoQ. Aggregate operating income increased by 5.1% QoQ to SAR 42.5bn, as other operating income increased by 38.5%, highlighting the importance of diversified revenue streams in supporting profitability. Operating income was further supported by 2.1% growth in both net interest income and net fee and commission income in Q2 2026. Despite continued investment in strategy execution, technology modernisation and infrastructure upgrades, operating efficiency improved, with the cost-to-income (C\/I) ratio declining from 30.1% in Q1 2026 to 28.6% in Q2 2026<\/p>\n<p dir=\"ltr\" style=\"direction: ltr;\">Sector net interest margin (NIM) remained broadly stable at 2.85% in Q2 2026. Profitability also improved, with return on equity (RoE) and return on assets (RoA) increasing to 15.0% and 2.1% respectively.<\/p>\n<p dir=\"ltr\" style=\"direction: ltr;\">Asset quality metrics indicated mixed performance, with the non-performing loans (NPL) stable at 0.9% and the coverage ratio slightly improved to 162.7%. However, cost of risk (CoR) inflated to 0.32%, reflecting prudent risk management at KSA banks.<\/p>\n<p dir=\"ltr\" style=\"direction: ltr;\">The report analyzes the top ten KSA banks by asset size: Saudi National Bank (SNB), Alrajhi Bank (ALRAJHI), Riyad Bank (RIBL), Saudi Awwal Bank (SAB), Alinma Bank (ALINMA), Banque Saudi Fransi (BSF), Arab National Bank (ANB), Bank Albilad (BALB), Saudi Investment Bank (SAIB) and Bank Aljazira (BJAZ).<\/p>\n<p dir=\"ltr\" style=\"direction: ltr;\"><strong>Mr.\u00a0Sam Gidoomal, Managing Director and Head of Middle East\u00a0Financial Services<\/strong>, commented: \u201cThe sector delivered a resilient quarter against a mixed backdrop: a stable rate environment, easing monetary conditions and ample liquidity continued to support activity, even as growth concerns and geopolitical uncertainty persisted. KSA banks combined accelerating balance-sheet growth, improving cost efficiency, stable margins and robust capital and liquidity buffers, but performance was multi-directional, with margins, returns and efficiency diverging between the scale players and the smaller peers.\u201d<\/p>\n<p dir=\"ltr\" style=\"direction: ltr;\"><strong>Prevailing Trends Identified for Q2 2026<\/strong><\/p>\n<ul dir=\"ltr\">\n<li style=\"direction: ltr;\"><strong>Deposit growth outpaced credit expansion. <\/strong>Net L&amp;A increased by 1.8% QoQ, while deposits grew at a faster pace of 2.7% QoQ, resulting in 1.0% QoQ decline in the LDR to 103.1%.<\/li>\n<li style=\"direction: ltr;\"><strong>Operating income increased <\/strong>by 5.1% QoQ, primarily driven by a 38.5% QoQ increase in other operating income, alongside 2.1% QoQ growth in both net interest income and net fee and commission income.<\/li>\n<li style=\"direction: ltr;\"><strong>Operating efficiency improved <\/strong>as the C\/I ratio declined to 28.6%, reflecting continued cost discipline despite ongoing investments in technology transformation and strategic growth initiatives.<\/li>\n<li style=\"direction: ltr;\"><strong>Profitability improved<\/strong> which was reflected by an increase in the ROE by 28bps to 15.0% and ROA improved marginally by 4 bps to 2.1%.<\/li>\n<li style=\"direction: ltr;\"><strong>Asset quality performance remained mixed as<\/strong> NPL ratio held steady at 0.9% and the coverage ratio modestly improved to 162.7%, while CoR increased to 0.32% due to higher credit provisioning by the banks.<\/li>\n<li style=\"direction: ltr;\"><strong>Banks valuation remained appealing<\/strong>. As of Q2 2026, KSA banks traded at 10.1x P\/E and 1.5x P\/TBV, reflecting resilient earnings and strong capital positions despite a modest softening in sector valuations.<\/li>\n<\/ul>\n<p dir=\"ltr\" style=\"direction: ltr;\">\n<p dir=\"ltr\" style=\"direction: ltr;\"><strong>Looking Ahead: Q3 2026 <\/strong><\/p>\n<ul dir=\"ltr\">\n<li style=\"direction: ltr;\"><strong>Margin trajectory <\/strong>will be determined by the ability of banks to sustain and expand NIM as benchmark rates decline and funding costs progressively reprice.<\/li>\n<li style=\"direction: ltr;\"><strong>Lending growth<\/strong> will be dependent on resilience of corporate, SME, and Vision 2030-linked financing demand amid evolving macroeconomic conditions.<\/li>\n<li style=\"direction: ltr;\"><strong>Asset quality <\/strong>will remain in focus to measure sustainability of current credit quality metrics and the extent of precautionary provisioning required amid ongoing geopolitical uncertainty.<\/li>\n<li style=\"direction: ltr;\"><strong>Macroeconomic outlook<\/strong> will remain a key area of focus following successive downward revisions to FY 2026 GDP growth forecast by the IMF, reflecting the potential impact of regional geopolitical tensions on economic activity.<\/li>\n<li style=\"direction: ltr;\"><strong>Digital and AI adoption<\/strong> will remain a key focus, with banks leveraging automation and AI to improve efficiency, risk management, and customer engagement, while the impact on operating efficiency remains a key watchpoint.<\/li>\n<\/ul>\n<p dir=\"ltr\" style=\"direction: ltr;\"><strong><u>\u00a0<\/u><\/strong><\/p>\n<p dir=\"ltr\" style=\"direction: ltr;\"><strong><u>Overview<\/u><\/strong><\/p>\n<table dir=\"ltr\" style=\"direction: ltr;\">\n<tbody>\n<tr>\n<td width=\"150\"><strong>Category<\/strong><\/td>\n<td width=\"294\"><strong>Metric<\/strong><\/td>\n<td width=\"76\"><strong>Q1 2026<\/strong><\/td>\n<td width=\"82\"><strong>Q2 2026<\/strong><\/td>\n<\/tr>\n<tr>\n<td rowspan=\"3\" width=\"150\">Growth and Funding<\/td>\n<td width=\"294\">Net L&amp;A Growth (QoQ)<\/td>\n<td width=\"76\">1.6%<\/td>\n<td width=\"82\">1.8%<\/td>\n<\/tr>\n<tr>\n<td width=\"294\">Deposits Growth (QoQ)<\/td>\n<td width=\"76\">3.9%<\/td>\n<td width=\"82\">2.7%<\/td>\n<\/tr>\n<tr>\n<td width=\"294\">Loan-to-Deposit Ratio (LDR)<\/td>\n<td width=\"76\">104.1%<\/td>\n<td width=\"82\">103.1%<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"4\" width=\"150\">Income and Efficiency<\/td>\n<td width=\"294\">Net Income Growth (QoQ)<\/td>\n<td width=\"76\">1.2%<\/td>\n<td width=\"82\">3.8%<\/td>\n<\/tr>\n<tr>\n<td width=\"294\">Cost of Funds (CoF)<\/td>\n<td width=\"76\">3.2%<\/td>\n<td width=\"82\">3.2%<\/td>\n<\/tr>\n<tr>\n<td width=\"294\">Net Interest Margin (NIM)<\/td>\n<td width=\"76\">2.84%<\/td>\n<td width=\"82\">2.85%<\/td>\n<\/tr>\n<tr>\n<td width=\"294\">Cost-to-Income Ratio (C\/I)<\/td>\n<td width=\"76\">30.1%<\/td>\n<td width=\"82\">28.6%<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"3\" width=\"150\">Returns<\/td>\n<td width=\"294\">Return on Equity (RoE)<\/td>\n<td width=\"76\">14.7%<\/td>\n<td width=\"82\">15.0%<\/td>\n<\/tr>\n<tr>\n<td width=\"294\">Return on Assets (RoA)<\/td>\n<td width=\"76\">2.0%<\/td>\n<td width=\"82\">2.1%<\/td>\n<\/tr>\n<tr>\n<td width=\"294\">Return on Risk-Weighted Assets (RoRWA)<\/td>\n<td width=\"76\">2.7%<\/td>\n<td width=\"82\">2.8%<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"3\" width=\"150\">Risk<\/td>\n<td width=\"294\">Non-Performing Loans (NPL) %<\/td>\n<td width=\"76\">0.9%<\/td>\n<td width=\"82\">0.9%<\/td>\n<\/tr>\n<tr>\n<td width=\"294\">Cost of Risk (CoR)<\/td>\n<td width=\"76\">0.15%<\/td>\n<td width=\"82\">0.32%<\/td>\n<\/tr>\n<tr>\n<td width=\"294\">Coverage Ratio<\/td>\n<td width=\"76\">162.6%<\/td>\n<td width=\"82\">162.7%<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"2\" width=\"150\">Capital &amp; Liquidity<\/td>\n<td width=\"294\">Capital Adequacy Ratio (CAR)<\/td>\n<td width=\"76\">20.9%<\/td>\n<td width=\"82\">20.9%<\/td>\n<\/tr>\n<tr>\n<td width=\"294\">Liquidity Coverage Ratio (LCR)<\/td>\n<td width=\"76\">171.6%<\/td>\n<td width=\"82\">167.0%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p dir=\"ltr\" style=\"direction: ltr;\"><em>\u00a0<\/em><\/p>\n<p dir=\"ltr\" style=\"direction: ltr;\"><em>Source: Financial statements, Investor presentations, Pillar III Disclosure, A&amp;M analysis<\/em><\/p>\n[\/mhc_text][\/mhc_column][\/mhc_row][\/mhc_section]\n","protected":false},"excerpt":{"rendered":"<p>[mhc_section admin_label=&#8221;\u0642\u0633\u0645&#8221; fullwidth=&#8221;on&#8221; specialty=&#8221;off&#8221;][mhc_fullwidth_menu admin_label=&#8221;\u0642\u0627\u0626\u0645\u0629 \u0628\u0639\u0631\u0636 \u0643\u0627\u0645\u0644&#8221; menu_id=&#8221;56&#8243; background_color=&#8221;#ffffff&#8221; background_layout=&#8221;light&#8221; text_orientation=&#8221;center&#8221; submenu_direction=&#8221;downwards&#8221; 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