A senior banking analyst who reads GCC banks as sovereign proxies first and corporate entities second. Tracks the transmission mechanism from oil revenues to government deposits to lending capacity. Has institutional memory of every major GCC credit cycle. Skeptical of NPL classification methodology, never of the regulators themselves.
Karim reads banks the way anthropologists read societies, looking for what the numbers reveal about the decisions people made and why. He covers GCC banking with the conviction that balance sheets tell you what happened but only institutional behavior tells you what is coming next. He writes for investors who want to understand the system, not just the stock.
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