{"text_format":"1","workbook":"xlsx","n_sheets":17,"sheets":["Cover page","Application checklist","1. General details","2. Compliance plan","2. Compliance data","3.0 Business Details Overview ","3.1 Management Team","3.2 Target Market","3.3 Value Proposition","3.4 Portfolio Information","3.5 Performance of portfolio","3.6 Ratios and assumptions","Ratio definitions","3.7 Execution-Operations Plan","3.8 Human Resources Plan","4. Acknowledgement","5. Attachments"],"not_rendered":{"charts":0,"images":1,"macros":1,"external_links":1,"defined_names":225,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Cover page","index":0,"n_rows":28,"n_cols":5,"rows_kept":28,"cut":false,"hidden":false,"merged":[[20,2,25,3],[20,4,25,8],[27,2,30,3],[27,4,30,8]]}
[]
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[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,"License application for a Bank"]
[null,null,null,null,"to practice Real Estate Finance "]
[null,null,null,null,"and Financial Lease "]
[]
[]
[]
[]
[]
[]
[null,null,"Bank name"]
[]
[]
[]
[]
[]
[]
[null,null,"Applicant ID Number in SAMA (filled in by the responsible officer at SAMA after receiving the application)"]

{"sheet":"Application checklist","index":1,"n_rows":34,"n_cols":5,"rows_kept":34,"cut":false,"hidden":false,"merged":[[8,1,8,5],[9,1,9,5],[10,1,10,5],[6,1,6,5],[11,1,13,5],[7,1,7,2],[15,1,15,5],[17,1,17,5],[20,1,20,5],[30,4,31,4],[30,1,31,1],[30,2,31,2],[30,3,31,3],[30,5,31,5]]}
[]
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[]
[null,"License Application for a Bank to Practice Real Estate Finance and Financial Lease "]
[null,"Instructions"]
[null,"1. License application form is submitted by the bank."]
[null,"2. A hardcopy of forms and documents in the below checklist is to be submitted with a CD or USB storage unit that has an identical softcopy of these forms and documents according to the checklist."]
[null,"3. The license application form set by SAMA shall not be modified in any way."]
[null,"4. If extra space is required to answer any question, then attach any answers to the hardcopy of the form. On each attachment, provide the relevant question number and its text."]
[]
[]
[]
[null,"5. Words and phrases, wherever they appear in this Form, shall have the corresponding meanings in Article 1 of the Law on the Supervision of Finance Companies and Article 1 of the Implementing Regulations of the Law on the Supervision of Finance Companies, unless the context states otherwise. The term \"Bank\" or \"Applicant\" shall mean the bank requesting license to practice real estate finance or financial lease activities or both of them."]
[]
[null,"6. The applicant must ensure that the information provided in this license application is correct, accurate and complete and that the application does not contain any false, incorrect or misleading or inaccurate or incomplete information, as providing SAMA with false information or not disclosing any material information that should be disclosed for the purposes of the licensing is considered a violation of the provisions of the Law on Supervision of Finance Companies and might result in application rejection or cancellation of license based on Article  (7) of the Law on Supervision of Finance Companies."]
[]
[null,"Checklist"]
[null,"The following checklist includes forms and documents that must be included in the application:"]
[]
[null,"Attachment  number","Attachments",null,"Notes"]
[false,1,"License application form",null,"A hardcopy and an identical softcopy of completed license application form as set by SAMA for a Bank to practice Real Estate Finance and Financial Lease, in accordance with the sections identified in the application."]
[null,null,null,null,"General details"]
[null,null,null,null,"Compliance plan"]
[null,null,null,null,"Business details"]
[null,null,null,null,"Acknowledgement"]
[null,null,null,null,"Attachments"]
[false,{"$f":"B24+1","v":2},"Organizational structure",null,"Description of organizational structure of the functional units related to real estate finance and financial lease activities, including associated functions, organizational relations and key responsibilities of each."]
[false,{"$f":"B30+1","v":3},"Feasibility study",null,"Feasibility study, in accordance with the details identified in the license application form.\n  ■ Industry analysis includes at a minimum:\n    – Market size\n    – Market structure\n    – Supply, demand and market gap (Current)\n    – Supply, demand and market gap (Future)\n  ■ Competitive analysis of key players that includes\n    – Competitive advantage\n    – Market share \n    – Products offered\n    – Geographical presence\n  ■ Customer analysis of key players that includes\n    – Customer segments targeted \n    – Customer preferences\n  ■ Financial analysis of the market that includes\n    – Forecasted revenue by activity\n    – Forecasted profit by activity\n  ■ Outcome of the feasibility study that includes at a \n      minimum:\n    – Rationale for decision to enter the market\n    – Expected market share of current and \n       future supply/demand gap\n    – Key industry opportunities and challenges\n    – Targeted market segments"]
[]
[null,{"$f":"B31+1","v":4},"Business plan",null,"Business plan according to the details identified in the license application form. \n  A: Financing activities requiring a license, \n        relevant products, and marketing plan.\n  B: Relevant credit policies and procedures\n       to be licensed.\n  C: Projected annual  revenue, expenses, \n       financial margins and targeted growth \n       rates for the activities to be licensed\n  D: Plan and programs for risk \n       and compliance monitoring and \n       management for the activities to be licensed\n  E: Employment and training plan for the activities \n        requiring a license, including the  training \n        and qualification programs for employees\n  F: Potential Risks for activities to be licensed \n      and its impacts on bank's operations and \n      financial position and the way to deal with such \n      risks "]
[false,{"$f":"B33+1","v":5},"Agreements and Contracts with third parties",null,"Agreements and contracts with third parties in relation to activities to be licensed, especially agreements and contracts with related parties and external service providers, in addition to drafts of proposed agreements and contracts."]

{"sheet":"1. General details","index":2,"n_rows":100,"n_cols":7,"rows_kept":100,"cut":false,"hidden":false,"merged":[[89,3,89,4],[90,3,90,4],[87,3,87,4],[88,3,88,4],[7,2,8,6],[70,2,70,6],[71,2,73,2],[80,4,80,6],[92,3,92,4],[77,2,78,6],[14,2,16,6],[32,4,32,6],[34,4,34,6],[36,4,36,6],[38,4,38,6],[40,4,42,6],[44,4,46,6],[48,4,48,6],[50,4,50,6],[52,4,52,6],[54,4,54,6],[71,4,71,6],[91,3,91,4],[86,3,86,4],[83,8,83,9],[84,8,84,9],[85,8,85,9],[86,8,86,9],[29,2,30,6],[40,2,42,3],[74,4,74,6],[83,3,83,4],[84,3,84,4],[85,3,85,4],[82,3,82,4],[74,2,75,2],[92,8,92,9],[87,8,87,9],[88,8,88,9],[89,8,89,9],[90,8,90,9],[91,8,91,9]]}
[]
[]
[]
[]
[]
[]
[null,null,"General details"]
[]
[]
[]
[1,{"$f":"A11+0.1","v":1.1000000000000001},"Activity or Activities requiring license:"]
[null,null,null,null,"Real estate financing"]
[null,null,null,null,"Financial lease"]
[]
[null,null,"Note: Approval of a financial lease license on its own does not constitute permission for an entity to conduct real estate financial lease"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[{"$f":"A11+1","v":2},null,"Contact details"]
[null,null,"Contact details of the person that SAMA will get in touch with regarding this application"]
[null,null,"This must be someone who works for the Bank and is not a professional advisor"]
[]
[]
[null,{"$f":"A28+0.1","v":2.1},"First name"]
[]
[null,{"$f":"B33+0.1","v":2.2000000000000002},"Middle name(s)"]
[]
[null,{"$f":"B35+0.1","v":2.3000000000000003},"Surname"]
[]
[null,{"$f":"B37+0.1","v":2.4000000000000004},"Job title / proposed job title"]
[]
[null,{"$f":"B39+0.1","v":2.5000000000000004},"Physical address of primary business location"]
[]
[]
[]
[null,{"$f":"B41+0.1","v":2.6000000000000005},"Mailing address"]
[]
[]
[]
[null,{"$f":"B45+0.1","v":2.7000000000000006},"Phone number"]
[]
[null,{"$f":"B49+0.1","v":2.8000000000000007},"Mobile number "]
[]
[null,{"$f":"B51+0.1","v":2.9000000000000008},"Fax number"]
[]
[null,{"$f":"\"2.10\"","v":"2.10"},"Email address"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[{"$f":"A28+1","v":3},null,"Bank details"]
[]
[null,3.1,"What was the start date of operations for Real Estate Financing (if applicable)?"]
[null,null,"Date (DD/MM/YYYY)"]
[]
[]
[]
[]
[]
[null,3.2,"Does the Bank have shareholding in any finance company (e.g. leasing,  real estate financing etc.)?"]
[]
[null,null,null,null,{"$f":"\"No\"","v":"No"}]
[null,null,null,null,"Yes, provide details below "]
[]
[null,null,"Name of company","Commercial registration number (If KSA based company)",null,"Percent share-holding of Bank","List of financing activities"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Question","Data"]
[null,"1.1a",true]
[null,"1.1b",true]
[null,{"$f":"B78","v":3.2},1]

{"sheet":"2. Compliance plan","index":3,"n_rows":210,"n_cols":5,"rows_kept":210,"cut":false,"hidden":false,"merged":[[164,1,165,1],[89,2,90,4],[59,2,61,4],[64,4,67,4],[126,2,128,4],[98,2,99,4],[93,4,96,4],[102,4,105,4],[107,2,108,4],[111,4,114,4],[116,2,117,4],[120,4,123,4],[84,4,87,4],[72,4,75,4],[219,2,222,4],[199,4,200,4],[156,2,156,4],[131,4,134,4],[136,2,138,4],[147,2,148,4],[151,4,154,4],[146,2,146,3],[141,4,144,4],[160,2,161,4],[174,2,175,4],[215,2,216,4],[203,2,203,4],[205,2,206,4],[209,4,212,4],[183,2,183,4],[186,4,189,4],[191,2,191,4],[178,4,181,4],[169,4,172,4],[164,2,166,4],[8,2,10,5],[13,2,15,4],[45,2,46,4],[26,4,29,4],[21,2,23,4],[11,2,11,4],[17,2,18,5],[39,2,39,4],[34,4,37,4],[40,4,43,4],[31,2,33,4],[52,2,53,4],[54,4,57,4],[77,2,81,4],[47,4,50,4],[69,2,69,4]]}
[]
[]
[]
[]
[]
[]
[null,null,"Compliance plan"]
[]
[null,null,"This section includes questions about some related finance activities requirements and the bank compliance with these requirements with regard to the finance activities requiring license under this license application, in order to evaluate bank's position and its plan to adjust it according to the provisions of finance laws and their implementing regulations. Approving the license application submitted by the bank or granting the license to practice the finance activities requiring license doesn't release the bank from its obligation to comply with any related requirements in the finance laws and their implementing regulations."]
[]
[]
[]
[]
[null,null,"Where the term \"Selected Activities\" is used, it shall refer to the financing activity or activities requiring license and selected in clause 1.1 of the General Details form. "]
[]
[]
[]
[]
[]
[]
[1]
[null,1.1000000000000001,"For the Selected Activities, are all of the Bank's files and records organized, transparent, safe, complete, and updated, for at least 10 years from the end date of relation with customer?"]
[]
[]
[null,null,null,null,"Yes"]
[null,null,null,null,"No, provide details on how the Bank will comply with Article 34 of the Implementing Regulations of the Law on Supervision of Finance Companies"]
[null,null,null,null,"e.g., specify the steps and timeline the Bank will follow to be compliant."]
[]
[]
[]
[null,null,"Shariah compliance"]
[null,{"$f":"B22+0.1","v":1.2000000000000002},"How does the Bank plan to practice the Selected Activities in accordance with the principles of Shariah as detailed in Article 3 of the Law on the Supervision of Financing Companies?"]
[]
[]
[null,null,null,null,"e.g., specify the steps and timeline the Bank will follow to be compliant."]
[]
[]
[]
[]
[null,{"$f":"B32+0.1","v":1.3000000000000003},"Is there a Shariah Committee in the bank according to article 3 of Real Estate Finance Law and article 3 of the Law on Supervision of Financing Companies? Who are the members of the Bank's Shariah committee, if any, or the expected date for its formation?"]
[null,null,null,null,"Specify the names of the members of the Bank's Shariah committee, if any, or the expected date for its formation?"]
[]
[]
[]
[]
[null,{"$f":"B40+0.1","v":1.4000000000000004},"By what date, will all of the products for the Selected Activities be reviewed by the Shariah committee? "]
[]
[]
[]
[]
[]
[]
[null,{"$f":"B46+0.1","v":1.5000000000000004},"For the Selected Activities, by what date, will the Bank be fully compliant with article 3 of Real Estate Finance Law and article 3 of the Law on the Supervision of Financing Companies?"]
[]
[]
[]
[]
[]
[null,null,"Risk management"]
[null,{"$f":"B53+0.1","v":1.6000000000000005},"For the Selected Activities, does the Bank meet the risk management requirements as detailed in Article 38, 39 and 40 of the Implementing Regulations of the Law on Supervision of Finance Companies?"]
[]
[]
[null,null,null,null,"Yes"]
[null,null,null,null,"No, provide details on how the Bank will comply"]
[null,null,null,null,"e.g., specify the steps and timeline the Bank will follow to be compliant."]
[]
[]
[]
[null,null,"Compliance function or department"]
[null,{"$f":"B60+0.1","v":1.7000000000000006},"Does the Bank have a compliance function for the Selected Activities?"]
[null,null,null,null,"Yes"]
[null,null,null,null,"No, provide details on how the Bank will comply with Article 42 of the Implementing Regulations of the Law on Supervision of Finance Companies"]
[null,null,null,null,"e.g., specify the steps and timeline the Bank will follow to be compliant."]
[]
[]
[]
[null,null,"Financing policies"]
[null,1.8,"For the Selected Activities, does the Bank have written financing policies setting out rules and procedures for granting finance"]
[]
[]
[]
[]
[null,null,null,null,"Yes"]
[null,null,null,null,"No, provide details on how the Bank will comply with Article 52 of the Implementing Regulations of the Law on Supervision of Finance Companies"]
[null,null,null,null,"e.g., specify the steps and timeline the Bank will follow to be compliant."]
[]
[]
[]
[]
[null,1.9,"For the Selected Activities, does the Bank have any financing to a foreign Borrower that is not a resident in the Kingdom?"]
[]
[null,null,null,null,"No"]
[null,null,null,null,"Yes, provide details on financing provided to a foreign borrower who is not resident in the Kingdom for the selected activities and SAMA approval."]
[]
[]
[]
[]
[]
[null,1.1000000000000001,"For the Selected Activities, does the Bank have any financing in a currency other than the Saudi Riyal?"]
[]
[null,null,null,null,"No"]
[null,null,null,null,"Yes, provide details on financing provided in a currency other than Saudi Riyal for the selected activities"]
[]
[]
[]
[]
[]
[null,{"$f":"B99+0.01","v":1.1100000000000001},"For the Selected Activities, does the Bank assess risks related to every exposure, rate it before issuing the finance and review the rating every year?"]
[]
[null,null,null,null,"Yes"]
[null,null,null,null,"No, provide details on how the Bank will comply with Article 59 of the Implementing Regulations of the Law on Supervision of Finance Companies"]
[null,null,null,null,"e.g., specify the steps and timeline the Bank will follow to be compliant."]
[]
[]
[]
[]
[null,{"$f":"B108+0.01","v":1.1200000000000001},"For the Selected Activities, are the guarantees provided to the Bank for financing compliant with risk management policies and procedures that are agreed on by the board of directors?"]
[]
[null,null,null,null,"Yes"]
[null,null,null,null,"No, provide details on how the Bank will comply with Article 60 of the Implementing Regulations of the Law on Supervision of Finance Companies"]
[null,null,null,null,"e.g., specify the steps and timeline the Bank will follow to be compliant."]
[]
[]
[]
[]
[null,null,"Consumer protection in Financial Services"]
[null,{"$f":"B117+0.01","v":1.1300000000000001},"Do the Bank's finance agreements for the Selected Activities contain all of the information as detailed in Article 78 of the Implementing Regulations of the Law on Supervision of Finance Companies?"]
[]
[]
[null,null,null,null,"Yes"]
[null,null,null,null,"No, provide details on how the Bank will comply"]
[null,null,null,null,"e.g., specify the steps and timeline the Bank will follow to be compliant."]
[]
[]
[]
[]
[null,{"$f":"B127+0.01","v":1.1400000000000001},"For the Selected Activities, do the Bank's administrative fees and charges and commissions to be recovered from a borrower for each transaction NOT exceed 1% of the loan or 5,000 Saudi Riyals, whichever is less?"]
[]
[]
[null,null,null,null,"Yes"]
[null,null,null,null,"No, provide details on how the Bank will comply with Article 83 of the Implementing Regulations of the Law on Supervision of Finance Companies"]
[null,null,null,null,"e.g., specify the steps and timeline the Bank will follow to be compliant."]
[]
[]
[]
[]
[null,null,"Finance support activities"]
[null,{"$f":"B137+0.01","v":1.1500000000000001},"For the Selected Activities, does the Bank deal with any third party companies that support the Bank in the Selected Activities e.g., finance products marketing or debt collection?"]
[]
[null,null,null,null,"No"]
[null,null,null,null,"Yes, list all 3rd party companies and services provided to the Bank"]
[]
[]
[]
[]
[]
[null,null,"Answer the questions related to the activity the Bank is applying for:"]
[null,null,null,null,{"$f":"\"Real estate financing, proceed to 2.1\"","v":"Real estate financing, proceed to 2.1"}]
[null,null,null,null,{"$f":"\"Financial lease, proceed to  \"&B206","v":"Financial lease, proceed to  3.1"}]
[]
[]
[]
[]
[2]
[null,2.1,"Do the contracts created between the Bank and the borrower contain all of the elements as required in Article 10 of the Implementing Regulation of the Real Estate Finance Law?"]
[]
[]
[null,null,null,null,"Yes"]
[null,null,null,null,"No, provide details on how the Bank will comply with the provisions of this article"]
[null,null,null,null,"e.g., what actions will be taken to meet these requirements? By when will the Bank issue the new contracts?"]
[]
[]
[]
[]
[null,{"$f":"B165+0.1","v":2.2000000000000002},"Did any of the Bank's previous real estate loans exceed 70% of the value of the financed property? "]
[]
[null,null,null,null,"No"]
[null,null,null,null,"Yes, provide details on the Bank's existing real estate loans in which loan-to-value (LTV) exceed (70%), including number and volume of real estate finance contracts in which LTV exceeds (70%), their percentage of overall real estate finance portfolio, and classification of such real estate finance contracts based on (LTV) of (70-80%), (81-90%), and (91-100%); and specify how the Bank will comply with the provisions of Article 12 of the Implementing Regulation of the Real Estate Finance Law."]
[null,null,null,null,"e.g., specify the steps and timeline the Bank will follow to be compliant."]
[]
[]
[]
[]
[null,{"$f":"B175+0.1","v":2.3000000000000003},"Does the Bank provide any subsidized real estate loans?"]
[null,null,null,null,"No"]
[null,null,null,null,"Yes, provide details on the subsidizing way, mechanism and conditions and subsidizing body"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[3]
[null,{"$f":"A205+0.1","v":3.1},"Are the financial lease contracts compliant with the Financial Lease Law  and its implementing regulation?"]
[]
[null,null,null,null,"Yes"]
[null,null,null,null,"No, provide details on how the Bank will comply with the Financial Lease Law  and its implementing regulation"]
[null,null,null,null,"e.g., specify the steps and timeline the Bank will follow to be compliant."]

{"sheet":"2. Compliance data","index":4,"n_rows":17,"n_cols":2,"rows_kept":17,"cut":false,"hidden":true,"merged":[]}
["Question","Data"]
[{"$f":"'2. Compliance plan'!B22","v":1.1000000000000001},2]
[1.6,1]
[{"$f":"A3+0.1","v":1.7000000000000002},2]
[1.8,2]
[1.9,2]
[1.1000000000000001,2]
[1.1100000000000001,2]
[1.1200000000000001,2]
[1.1299999999999999,2]
[1.1399999999999999,1]
[1.1499999999999999,1]
[1.1599999999999999,2]
[2.1,1]
[2.2000000000000002,2]
[2.2999999999999998,1]
[3.1,1]

{"sheet":"3.0 Business Details Overview ","index":5,"n_rows":26,"n_cols":4,"rows_kept":26,"cut":false,"hidden":false,"merged":[[11,1,16,3],[19,1,20,1],[21,1,23,1],[24,1,25,1]]}
[]
[]
[]
[]
[]
[]
[]
[null,"Business Plan Overview"]
[]
[]
[]
[null,"The following section shall include the overall business strategy for the applicant with details on governance, target market, financials and execution milestones and plan, for the finance activities for which the applicant request license. \n"]
[]
[]
[]
[]
[]
[null,"Themes","S.No.","Contents"]
[null,"Management ",3.1,"Management team"]
[null,"Strategy","3.2","Target Market "]
[null,null,"3.3","Value Proposition "]
[null,"Financials ","3.4","Financial portfolio information"]
[null,null,"3.5","Performance of the financial portfolio "]
[null,null,"3.6","Margins and Assumptions"]
[null,"Execution Plan","3.7","Operations Plan"]
[null,null,"3.8","Human Resources plan"]

{"sheet":"3.1 Management Team","index":6,"n_rows":35,"n_cols":14,"rows_kept":35,"cut":false,"hidden":false,"merged":[[11,2,11,7],[12,3,12,7],[12,13,12,15],[14,3,14,7],[14,13,14,15],[16,3,16,7],[16,13,16,15],[18,3,18,7],[18,13,18,15],[19,3,19,7],[19,13,19,15],[20,3,20,7],[20,13,20,15],[28,3,28,7],[28,13,28,15],[30,3,30,7],[32,3,32,7],[22,3,22,7],[22,13,22,15],[24,3,24,7],[26,3,26,7],[26,13,26,15],[27,3,27,7],[27,13,27,15]]}
[]
[]
[]
[]
[]
[]
[null,"Management Team"]
[]
["No. of Managers",{"$f":"COUNT(C:C)","v":1}]
[]
[]
[null,null,"This part must provide details about senior management directly related to the selected financing activities across the bank, including manager(s) responsible for the financing activities applied for and their deputies, as well as those responsible for risk management, revision and compliance functions for the financing activities applied for."]
[null,null,"  Senior Management","Details ",null,null,null,null,null,null,null,null,"Senior Management","Details "]
[null,null,{"$f":"B35","v":1},null,null,null,null,null,null,null,null,null,1]
[null,null,"  First name",null,null,null,null,null,null,null,null,null,"First name"]
[]
[null,null,"  Middle name",null,null,null,null,null,null,null,null,null,"Middle name"]
[]
[null,null,"  Last name ",null,null,null,null,null,null,null,null,null,"Last name "]
[]
[null,null,"  Nationality",null,null,null,null,null,null,null,null,null,"Nationality"]
[]
[null,null,"  National ID or \n  Passport Number",null,null,null,null,null,null,null,null,null,"National ID or Passport Number"]
[]
[null,null,"Iqama number (for non-  Saudi)"]
[]
[null,null,"  Position title ",null,null,null,null,null,null,null,null,null,"Position Title "]
[]
[null,null,"  Short description of \n  the position",null,null,null,null,null,null,null,null,null,"Short description of role"]
[]
[null,null,"To which position is this manager reporting to? Please provide details "]
[]
[null,null,"Does the Bank have SAMA's approval for the person leading the selected activity? Please provide details"]
[]
[null,{"$f":"B11+1","v":1}]

{"sheet":"3.2 Target Market","index":7,"n_rows":104,"n_cols":24,"rows_kept":104,"cut":false,"hidden":false,"merged":[[33,3,33,7],[33,9,33,14],[10,2,10,14],[11,2,11,8],[12,3,12,8],[12,10,12,16],[14,3,14,8],[14,10,14,16],[16,3,16,8],[16,10,16,16],[23,2,23,16],[24,3,24,8],[24,9,24,14],[48,3,48,7],[48,9,48,14],[34,3,34,7],[34,9,34,14],[36,3,36,7],[36,9,36,14],[38,3,38,7],[38,9,38,14],[40,3,40,14],[44,3,44,7],[44,9,44,14],[46,3,46,7],[46,9,46,14],[80,3,80,7],[80,9,80,14],[50,3,50,7],[50,9,50,14],[52,3,52,7],[52,9,52,14],[54,3,54,7],[54,9,54,14],[56,3,56,7],[56,9,56,14],[67,2,67,16],[68,3,68,8],[68,9,68,14],[95,3,95,7],[95,9,95,14],[81,3,81,7],[81,9,81,14],[83,3,83,7],[83,9,83,14],[85,3,85,7],[85,9,85,14],[87,3,87,14],[91,3,91,7],[91,9,91,14],[93,3,93,7],[93,9,93,14],[103,3,103,7],[103,9,103,14],[97,3,97,7],[97,9,97,14],[99,3,99,7],[99,9,99,14],[101,3,101,7],[101,9,101,14]]}
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"Target Market"]
[]
[null,null,"This part should include details on the target market for financing activity applied for (including description for target segment of customers based on income level, geographic  distribution, consuming behaviours and any other classification used by the Bank) with description for forecasts of the market size, profits and expected losses, in addition to a description for the competitive environment and key challenges that the Bank expects to face with potential mitigations that the Bank intends to leverage to combat the challenges."]
[null,null,"Target Market",null,"Target Market"]
[null,null,"Target Activities","Target segments"]
[]
[false,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Real Estate Finance"]
[]
[false,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Financial lease "]
[]
[]
[]
[]
[]
[null,null,"Provide details about the real estate finance market only if bank is applying for real estate finance license"]
[null,null,"Real Estate Finance "]
[null,null,"Market Economics","Historical ",null,null,null,null,null,"Forecast"]
[null,null,null,2008,2009,2010,2011,2012,"CAGR, %",2013,2014,2015,2016,2017,"CAGR, %"]
[null,null,"Total market volumes, SAR millions"]
[null,null,"Average gross profit margin, %"]
[null,null,"Non performing loans as % of total loans  (non payment of instalment for more than  90 days)"]
[]
[]
[]
[null,null,"  Market Structure "]
[null,null,null,"Name",null,null,null,null,null,"Estimated Market Share, %"]
[null,null,"  Key competitor 1 "]
[]
[null,null,"  Key competitor 2"]
[]
[null,null,"  Key competitor 3"]
[]
[null,null,"Explain the important drivers of demand in the activity area (like population, income increase etc.)"]
[]
[]
[null,null,"Key market challenges and barriers"]
[null,null,null,"Challenge description",null,null,null,null,null,"Potential mitigations"]
[]
[null,null,"Challenge 1"]
[]
[null,null,"Challenge 2"]
[]
[null,null,"Challenge 3"]
[]
[null,null,"Challenge 4"]
[]
[null,null,"Challenge 5"]
[]
[null,null,"Challenge 6"]
[]
[]
[{"$f":"A8+1","v":1}]
[]
[]
[]
[]
[]
[]
[null,null,"Provide details about the financial lease market only if bank is applying for financial lease"]
[null,null,"Financial lease "]
[null,null,"Market Economics","Historical ",null,null,null,null,null,"Forecast"]
[null,null,null,2008,2009,2010,2011,2012,"CAGR, %",2013,2014,2015,2016,2017,"CAGR, %"]
[null,null,"Total market volumes, SAR millions"]
[null,null,"By automotive financial lease"]
[null,null,"By equipment financial lease"]
[null,null,"Other financial lease (do not include real estate financial lease; it should be covered in real estate finance)"]
[null,null,"Average gross profit margin, % (Automotive)"]
[null,null,"Average gross profit margin, % (equipment)"]
[null,null,"Non performing lease as % of total lease  (non payment of instalment for more than 90 days)"]
[]
[]
[null,null,"  Market Structure "]
[null,null,null,"Name",null,null,null,null,null,"Estimated Market Share, %"]
[null,null,"  Key competitor 1 "]
[]
[null,null,"  Key competitor 2"]
[]
[null,null,"  Key competitor 3"]
[]
[null,null,"Explain the important drivers of demand in the activity area (like population, income increase etc.)"]
[]
[]
[null,null,"Key market challenges and barriers"]
[null,null,null,"Challenge description",null,null,null,null,null,"Potential mitigants"]
[]
[null,null,"Challenge 1"]
[]
[null,null,"Challenge 2"]
[]
[null,null,"Challenge 3"]
[]
[null,null,"Challenge 4"]
[]
[null,null,"Challenge 5"]
[]
[null,null,"Challenge 6"]

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[]
[]
[]
[]
[]
[null,null,"Value proposition"]
[]
[]
[null,null,"Number of Direct Sales Force personnel"]
[]
[]
[]
[]
[]
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ll,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Please attach the product specification, white paper, customers related forms and marketing materials with the application"]

{"sheet":"3.4 Portfolio Information","index":9,"n_rows":107,"n_cols":15,"rows_kept":107,"cut":false,"hidden":false,"merged":[[50,3,50,8],[50,9,50,14],[8,2,8,14],[10,3,10,8],[10,9,10,14],[29,3,29,8],[29,9,29,14],[71,3,71,8],[71,9,71,14],[83,3,83,8],[83,9,83,14],[97,3,97,8],[97,9,97,14]]}
[]
[]
[]
[]
[]
[]
[]
[null,null,"Portfolio information"]
[null,null,"Fill the following table with the historical values for the past 5 years and the Forecast values for the next 5 years for the financing activities applied for."]
[]
[null,null,null,"Historical ",null,null,null,null,null,"Forecast"]
[null,null,"SAR",2008,2009,2010,2011,2012,"CAGR %",2013,2014,2015,2016,2017,"CAGR %"]
[null,null,"VOLUMES BY Financing Activity"]
[]
[null,null,"Real estate finance"]
[null,null,"Financial lease "]
[null,null,"By automotive financial lease"]
[null,null,"By equipment financial lease"]
[null,null,"Other financial lease (do not include real estate financial lease; it should be covered in real estate finance)"]
[]
[null,null,"RISK WEIGHTED ASSETS BY PRODUCTS"]
[]
[null,null,"Real estate finance"]
[null,null,"Financial lease "]
[null,null,"By automotive financial lease"]
[null,null,"By equipment financial lease"]
[null,null,"Other financial lease (do not include real estate financial lease; it should be covered in real estate finance)"]
[]
[]
[null,null,"FOR REAL ESTATE FINANCE ONLY","Historical ",null,null,null,null,null,"Forecast"]
[null,null,"SAR",2008,2009,2010,2011,2012,"CAGR %",2013,2014,2015,2016,2017,"CAGR %"]
[null,null,"VOLUME BY GEOGRAPHICAL REGIONS"]
[]
[null,null,"Hail"]
[null,null,"Riyadh"]
[null,null,"Qasim"]
[null,null,"Makkah"]
[null,null,"Madinah"]
[null,null,"Tabuk"]
[null,null,"Bahah"]
[null,null,"Eastern Province"]
[null,null,"Northern borders"]
[null,null,"Jawf"]
[null,null,"Jizan"]
[null,null,"Asir"]
[null,null,"Najran"]
[null,null,"TOTAL VOLUMES"]
[]
[]
[]
[null,null,"FOR FINANCIAL LEASE ONLY","Historical ",null,null,null,null,null,"Forecast"]
[null,null,"SAR",2008,2009,2010,2011,2012,"CAGR %",2013,2014,2015,2016,2017,"CAGR %"]
[null,null,"VOLUME BY GEOGRAPHICAL REGIONS"]
[]
[null,null,"Hail"]
[null,null,"Riyadh"]
[null,null,"Qasim"]
[null,null,"Makkah"]
[null,null,"Madinah"]
[null,null,"Tabuk"]
[null,null,"Bahah"]
[null,null,"Eastern Province (Dammam)"]
[null,null,"Northern borders"]
[null,null,"Jawf"]
[null,null,"Jizan"]
[null,null,"Asir"]
[null,null,"Najran"]
[null,null,"TOTAL VOLUMES"]
[]
[]
[]
[null,null,"FOR REAL ESTATE FINANCE ONLY","Historical ",null,null,null,null,null,"Forecast"]
[null,null,"SAR",2008,2009,2010,2011,2012,"CAGR %",2013,2014,2015,2016,2017,"CAGR %"]
[null,null,"VOLUMES BY INCOME LEVEL OF CUSTOMERS"]
[]
[null,null,"5000 SAR or less per month"]
[null,null,"5001 to 10000 SAR per month"]
[null,null,"10001 to 15000 SAR per month"]
[null,null,"15001 to 20000 SAR per month"]
[null,null,"More than 20000 SAR per month"]
[null,null,"TOTAL VOLUMES"]
[]
[]
[null,null,"FOR RETAIL FINANCIAL LEASE ONLY","Historical ",null,null,null,null,null,"Forecast"]
[null,null,"SAR",2008,2009,2010,2011,2012,"CAGR %",2013,2014,2015,2016,2017,"CAGR %"]
[null,null,"VOLUMES BY INCOME LEVEL OF CUSTOMERS"]
[]
[null,null,"5000 SAR or less per month"]
[null,null,"5001 to 10000 SAR per month"]
[null,null,"10001 to 15000 SAR per month"]
[null,null,"15001 to 20000 SAR per month"]
[null,null,"More than 20000 SAR per month"]
[null,null,"TOTAL VOLUME"]
[]
[]
[]
[]
[null,null,"FOR NON RETAIL FINANCIAL LEASE ONLY","Historical ",null,null,null,null,null,"Forecast"]
[null,null,"SAR",2008,2009,2010,2011,2012,"CAGR %",2013,2014,2015,2016,2017,"CAGR %"]
[null,null,"VOLUMES BY REVENUE LEVEL OF CUSTOMER COMPANIES"]
[]
[null,null,"Less than 500000 SAR per annum"]
[null,null,"500000 to 1 million SAR per annum"]
[null,null,"1 million to 2 million SAR per annum"]
[null,null,"2 million to 5 million SAR per annum"]
[null,null,"More than 5 million SAR per annum"]
[null,null,"TOTAL VOLUMES"]

{"sheet":"3.5 Performance of portfolio","index":10,"n_rows":40,"n_cols":15,"rows_kept":40,"cut":false,"hidden":false,"merged":[[8,2,8,14],[9,3,9,8],[9,9,9,14]]}
[]
[]
[]
[]
[]
[]
[null,null,"Performance of portfolio"]
[]
[null,null,"Fill the following table with the historical values for the past 5 years and the Forecast values for the next 5 years for the financing activities applied for."]
[null,null,null,"Historical ",null,null,null,null,null,"Forecast"]
[null,null,"SAR",2008,2009,2010,2011,2012,"CAGR %",2013,2014,2015,2016,2017,"CAGR %"]
[]
[null,null,"Overall income from financing activities"]
[null,null,"        By Real estate finance"]
[null,null,"        By Financial lease"]
[null,null,"NET FINANCING INCOME"]
[]
[null,null,"Fee and commission income, net"]
[null,null,"        By Real estate finance"]
[null,null,"        By Financial lease"]
[null,null,"Other Income "]
[null,null,"Please specify others "]
[null,null,"GROSS OPERATING INCOME"]
[]
[null,null,"Less"]
[null,null,"Financing costs"]
[null,null,"NET OPERATING INCOME"]
[null,null,"Allocated Salaries and employees' related expenses"]
[null,null,"Allocation of Rent and premises related expenses "]
[null,null,"Allocated other General and Administrative expenses "]
[null,null,"Charge for Impairment on financing "]
[null,null,"Depreciation and amortization "]
[null,null,"Income Tax"]
[null,null,"Zakat"]
[null,null,"Other expenses (e.g.. Formation expenses for new company)"]
[null,null,"Please specify others "]
[]
[null,null,"NET INCOME"]
[null,null,"        By Real estate finance"]
[null,null,"        By Financial lease"]

{"sheet":"3.6 Ratios and assumptions","index":11,"n_rows":55,"n_cols":16,"rows_kept":55,"cut":false,"hidden":false,"merged":[[49,3,49,8],[49,9,49,14],[49,15,50,16],[8,2,8,15],[9,3,9,8],[9,9,9,15],[26,2,26,15],[27,3,27,8],[27,9,27,15]]}
[]
[]
[]
[]
[]
[]
[]
[null,null,"Ratios"]
[null,null,"Fill the following table with the historical values for the past 5 years and the Forecast values for the next 5 years for the financing activities applied for."]
[null,null,null,"Historical ",null,null,null,null,null,"Forecast"]
[null,null,"FOR REAL ESTATE FINANCE ONLY",2008,2009,2010,2011,2012,"CAGR %",2013,2014,2015,2016,2017,"CAGR %"]
[null,null,"PROFITABILITY RATIOS "]
[]
[null,null,"Gross Margins "]
[null,null,"Net Profit margins "]
[]
[null,null,"COST RATIOS"]
[]
[null,null,"Non Performing loans as % of gross loans"]
[]
[null,null,"FINANCIAL RATIOS"]
[]
[null,null,"Average LTV (only for real estate finance)"]
[]
[]
[]
[null,null,"Fill the following table with the historical values for the past 5 years and the Forecast values for the next 5 years for the financing activities applied for."]
[null,null,null,"Historical ",null,null,null,null,null,"Forecast"]
[null,null,"FOR FINANCIAL LEASE ONLY",2008,2009,2010,2011,2012,"CAGR1%",2013,2014,2015,2016,2017,"CAGR %"]
[null,null,"PROFITABILITY RATIOS "]
[]
[null,null,"Gross Margins "]
[null,null,"By motor financial lease"]
[null,null,"By equipment financial lease"]
[null,null,"Other financial lease (do not include real estate financial lease; it should be covered in real estate finance)"]
[null,null,"Net Profit margins "]
[null,null,"By motor financial lease"]
[null,null,"By equipment financial lease"]
[null,null,"Other financial lease (do not include real estate financial lease which should be covered in real estate finance)"]
[]
[null,null,"COST RATIOS"]
[]
[null,null,"Non Performing loans as % of gross loans overall"]
[null,null,"By motor financial lease"]
[null,null,"By equipment financial lease"]
[null,null,"Other financial lease (do not include real estate financial lease; it should be covered in real estate finance)"]
[]
[]
[]
[null,null,null,"Historical ",null,null,null,null,null,"Forecast",null,null,null,null,null,"Source of Assumptions"]
[null,null,null,2008,2009,2010,2011,2012,"CAGR %",2013,2014,2015,2016,2017,"CAGR %"]
[null,null,"CUSTOMERS BY FINANCING ACTIVITY"]
[]
[null,null,"        By Real estate finance"]
[null,null,"        By Financial lease"]

{"sheet":"Ratio definitions","index":12,"n_rows":26,"n_cols":4,"rows_kept":26,"cut":false,"hidden":false,"merged":[[27,9,27,15],[71,9,71,14],[71,15,72,15],[71,16,72,16]]}
[]
[]
[]
[]
[]
[]
[]
[null,null,"Ratio definitions"]
[]
[null,null,null,"Definition "]
[null,null,"PROFITABILITY RATIOS "]
[]
[null,null,"Gross margins ","Gross margin = Gross profit / Revenues"]
[null,null,"Net profit margins ","Net profit margin = Net income / Revenues"]
[]
[]
[null,null,"COST RATIOS"]
[]
[null,null,"Non Performing loans as % of gross loans","Non performing loans = value of non performing loans / value of total loans"]
[null,null,"        By Real estate finance","Non performing loans in Real estate = Value of non performing loans in Real estate/value of total loans in real estate"]
[null,null,"        By Financial lease","Non performing loans in Financial lease = Value of non performing loans  in Financial lease/ Value of total loans in Financial lease"]
[]
[]
[null,null,"FINANCIAL RATIOS"]
[]
[null,null,"Average loan-to-value (LTV)","Loan to value ratio = Value of loan underwritten/value of asset "]

{"sheet":"3.7 Execution-Operations Plan","index":13,"n_rows":134,"n_cols":17,"rows_kept":134,"cut":false,"hidden":false,"merged":[[34,4,34,13],[8,2,8,7],[10,2,10,13],[14,4,14,13],[16,4,16,13],[18,4,18,13],[20,4,20,13],[24,4,24,13],[26,4,26,13],[28,4,28,13],[30,4,30,13],[32,4,32,13],[22,4,22,13],[65,5,65,13],[38,2,38,13],[41,4,41,13],[43,4,43,13],[45,4,45,13],[47,2,47,6],[52,2,52,13],[57,5,57,13],[59,5,59,13],[61,5,61,13],[63,5,63,13],[102,2,102,6],[67,5,67,13],[69,5,69,13],[71,5,71,13],[78,5,78,7],[85,4,85,13],[87,4,87,13],[88,2,88,6],[91,2,91,13],[96,10,101,10],[133,2,133,13],[109,4,109,6],[109,8,109,9],[109,11,109,12],[113,2,113,13],[116,4,116,13],[118,4,118,13],[120,4,120,13],[122,4,122,13],[124,4,124,13],[128,2,128,13],[131,2,131,13]]}
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"Execution-Operations plan"]
[]
[null,null,"Fill details below about Risk Management with respect to financing activities for which the Bank has applied:"]
[false,null,"Risk Management",null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[]
[null,null,"What kind of processes and tools are used by the bank for managing each kind of the following risks?"]
[null,null,"Credit Risk"]
[]
[null,null,"Market Risk"]
[]
[null,null,"Term Cost Rate Risk"]
[]
[null,null,"Risk of non-conformity between assets and liabilities"]
[]
[null,null,"Exchange Rate Risk"]
[]
[null,null,"Liquidity Risk"]
[]
[null,null,"Operational Risk"]
[]
[null,null,"Country Risk"]
[]
[null,null,"Legal Risk"]
[]
[null,null,"Technology Risk"]
[]
[null,null,"Provide details about insurance to minimize any kind of the risks above or any other risks?"]
[]
[]
[]
[null,null,"Fill details below about Marketing and sales with respect to the financing activities applied for."]
[null,null,"Marketing and Sales"]
[]
[null,null,"Key sources of customer acquisition"]
[]
[null,null,"Primary marketing medium"]
[]
[null,null,"Budget for marketing for 1st year, SAR"]
[]
[null,null,"Attach a detailed marketing plan with the application form"]
[]
[]
[]
[]
[null,null,"Fill details below about information security with respect to the financing activities applied for"]
[null,null,"IT Infrastructure"]
[null,null,"What are the core systems that are used or to be used?"]
[null,null,null,null,null,"System"]
[]
[false]
[]
[false]
[]
[false]
[]
[false]
[]
[false]
[]
[false]
[]
[false]
[]
[null,null,"Specify any other systems currently used or will be used in the future"]
[]
[]
[]
[]
[null,null,"Collection Plan"]
[]
[null,null,"Financial Activity",null,null,"In House / Outsourced"]
[]
[2,null,"Real estate finance"]
[]
[2,null,"Financial lease "]
[]
[]
[null,null,"Collections timeline: Provide different steps taken by the Bank according to the time of default: 1-30 days of non payment, 30-90 days of non payment and more than 90 days of non payment."]
[]
[null,null,"Name of the outsourced collection vendor (if any)"]
[]
[]
[]
[null,null,"Fill details below about back office operations with respect to the financing activities applied for."]
[null,null,"Back Office Operations"]
[]
[null,null,null,null,null,"Credit Operations ",null,"Credit Administration",null,"Customer services",null,"Collection",null,"Portfolio management"]
[]
[null,null,"Which of these operations are currently conducted by the Bank?"]
[]
[null,null,"Operations that have detailed work policies and procedures"]
[]
[null,null,"How many people is the Bank planning to appoint within the next five years?"]
[]
[]
[]
[]
[null,null,"Timeline "]
[]
[null,null,"Please provide launch dates for the Selected Activities"]
[]
[null,null,"Real estate finance",null,null,null,null,null,"Financial Lease"]
[]
[]
[]
[null,null,"Fill details below about sharia committee with respect to the financing activities applied for."]
[null,null,"Sharia Committee"]
[]
[null,null,"Names of committee members"]
[]
[null,null,"Chairman  "]
[]
[null,null,"Committee responsibilities and roles"]
[]
[null,null,"The timeline for reviewing Real Estate Finance and Financial Lease activities in the Bank by the Sharia committee"]
[]
[null,null,"The timeline for reviewing products of Real Estate Finance and Financial Lease activities in the Bank by the Sharia committee"]
[]
[]
[]
[null,null,"The license application must be accompanied with the following attachments regarding the financing activities applied for"]
[null,null,"Other attachments "]
[]
[null,null,"Attach a sheet with details about all the sale and purchase of financial leases and real estate portfolios with other financial institutions or third parties (including type of finance activity, party involved, date of transaction, size, purchase/sale price, credit rating) over the last 5 years listing."]
[]
[null,null,"Attach a sheet with details about all the loans extended to finance or instalment companies in the last 5 years."]

{"sheet":"3.8 Human Resources Plan","index":14,"n_rows":61,"n_cols":15,"rows_kept":61,"cut":false,"hidden":false,"merged":[[16,2,16,16],[18,3,18,4],[18,5,18,6],[18,7,18,8],[5,2,5,16],[6,2,6,16],[8,3,8,4],[8,5,8,6],[8,7,8,8],[8,9,8,10],[8,11,8,12],[8,13,8,14],[18,9,18,10],[18,11,18,12],[18,13,18,14],[48,4,48,14],[66,4,66,14],[68,4,68,14],[52,4,52,14],[54,4,54,14],[56,4,56,14],[60,4,60,14],[62,4,62,14],[64,4,64,14],[50,4,50,14],[46,4,46,14],[38,4,38,14],[40,4,40,14],[42,4,42,14],[44,4,44,14],[27,2,27,15],[28,2,28,16],[30,4,30,14],[32,4,32,14],[36,4,36,14]]}
[]
[]
[]
[]
[]
[null,null,"Human Resources Plan"]
[null,null,"Fill details below about human resources plan for the next 5 years only if the bank has applied for real estate finance "]
[null,null,"Human Resources Plan"]
[null,null,"Real Estate Finance ",2013,null,2014,null,2015,null,2016,null,2017,null,"CAGR"]
[null,null,null,"No. of Employees","Saudization %","No. of Employees","Saudization %","No. of Employees","Saudization %","No. of Employees","Saudization %","No. of Employees","Saudization %","No. of Employees","Saudization %"]
[null,null,"Overall "]
[null,null,"By Function"]
[null,null,"Sales and Marketing"]
[null,null,"Risk Management (if any)"]
[]
[]
[null,null,"Fill details below about human resources plan for the next 5 years only if the bank has applied for financial lease"]
[null,null,"Human Resources Plan"]
[null,null,"Financial Lease",2013,null,2014,null,2015,null,2016,null,2017,null,"CAGR"]
[null,null,null,"No. of Employees","Saudization %","No. of Employees","Saudization %","No. of Employees","Saudization %","No. of Employees","Saudization %","No. of Employees","Saudization %","No. of Employees","Saudization %"]
[null,null,"Overall "]
[null,null,"By Function"]
[null,null,"Sales and Marketing"]
[null,null,"Risk Management (if any)"]
[]
[]
[]
[null,null,"Fill details below about training program with respect to the activities for which the bank has applied: Real estate finance or Finance lease"]
[null,null,"Training Program"]
[]
[null,null,"Provide average number of training days per employee"]
[]
[null,null,"Budget for training in first year, SAR"]
[]
[null,null,"Technical Trainings"]
[]
[null,null,"Name of courses offered ",null,"Mention target employees level and functions"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"Other Trainings "]
[]
[null,null,"Name of courses offered ",null,"Mention target employees level and functions"]

{"sheet":"4. Acknowledgement","index":15,"n_rows":43,"n_cols":5,"rows_kept":43,"cut":false,"hidden":false,"merged":[[33,2,33,4],[5,2,5,4],[34,2,36,4],[28,2,31,4],[27,2,27,4],[18,2,26,4],[8,2,16,4]]}
[]
[]
[]
[]
[]
[null,null,"Acknowledgement                                                                                                                                          "]
[null,null,"This acknowledgement should be signed by an official representative of the Bank."]
[]
[null,null,"I hereby acknowledge that I have read the Law on the Supervision of Finance Companies, the Financial Lease Law, the Real Estate Finance Law and other related laws and regulations in the Kingdom of Saudi Arabia. I am aware that it is a sanctionable offence under the terms of the Law on the Supervision of Finance Companies and other laws to knowingly or recklessly provide to SAMA or any other natural or juristic person any information which is false or misleading  or inaccurate or incomplete in connection with the conduct of business in Saudi Arabia."]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"I declare that the Bank is aware of the information provided in this application and acknowledge that the documents, information and data provided in this application and provided as a supplement to the application is complete and accurate and that there is no other relevant significant documents and information which is not disclosed in the license application. I declare that the documents and information provided in the softcopy of the application is identical to the documents and information provided in the hardcopy of documents and forms of the application, including the information provided in \"Business Plan Details\" section, which is identical to the submitted business plan.                                                                                                                                    "]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"I undertake that the Bank will provide SAMA immediately with any information or documents it considers necessary for the purpose of evaluating the licensee application."]
[null,null,"I declare that the Bank is aware that SAMA may reject the license application or revoke the License if it is found that the Bank has submitted false information or failed to disclose material information that should have been provided for licensing purposes."]
[]
[]
[]
[]
[null,null,"I undertake that the Bank will notify SAMA of any information or material changes affecting the completeness or accuracy of the information, forms and documents within a maximum period of 30 business days from the day of obtaining the information or the occurrence of the change. In case of not complying with this, the Bank shall be subject to any penalties stipulated in relevant laws."]
[]
[]
[]
[]
[null,null,"Name:"]
[null,null,"Signature:"]
[null,null,"Position:"]
[null,null,"Date: "]
[null,null,null,null,"Bank stamp"]

{"sheet":"5. Attachments","index":16,"n_rows":114,"n_cols":4,"rows_kept":114,"cut":false,"hidden":false,"merged":[[107,3,107,4],[108,3,108,4],[109,3,109,4],[110,3,110,4],[111,3,111,4],[102,3,102,4],[103,3,103,4],[104,3,104,4],[105,3,105,4],[106,3,106,4],[97,3,97,4],[98,3,98,4],[99,3,99,4],[100,3,100,4],[101,3,101,4],[92,3,92,4],[93,3,93,4],[94,3,94,4],[95,3,95,4],[96,3,96,4],[87,3,87,4],[88,3,88,4],[89,3,89,4],[90,3,90,4],[91,3,91,4],[82,3,82,4],[83,3,83,4],[84,3,84,4],[85,3,85,4],[86,3,86,4],[77,3,77,4],[78,3,78,4],[79,3,79,4],[80,3,80,4],[81,3,81,4],[72,3,72,4],[73,3,73,4],[74,3,74,4],[75,3,75,4],[76,3,76,4],[67,3,67,4],[68,3,68,4],[69,3,69,4],[70,3,70,4],[71,3,71,4],[62,3,62,4],[63,3,63,4],[64,3,64,4],[65,3,65,4],[66,3,66,4],[57,3,57,4],[58,3,58,4],[59,3,59,4],[60,3,60,4],[61,3,61,4],[52,3,52,4],[53,3,53,4],[54,3,54,4],[55,3,55,4],[56,3,56,4],[47,3,47,4],[48,3,48,4],[49,3,49,4],[50,3,50,4],[51,3,51,4],[42,3,42,4],[43,3,43,4],[44,3,44,4],[45,3,45,4],[46,3,46,4],[37,3,37,4],[38,3,38,4],[39,3,39,4],[40,3,40,4],[41,3,41,4],[32,3,32,4],[33,3,33,4],[34,3,34,4],[35,3,35,4],[36,3,36,4],[31,3,31,4],[12,3,12,4],[13,3,13,4],[14,3,14,4],[15,3,15,4],[16,3,16,4],[17,3,17,4],[18,3,18,4],[19,3,19,4],[20,3,20,4],[21,3,21,4],[22,3,22,4],[23,3,23,4],[24,3,24,4],[25,3,25,4],[26,3,26,4],[7,1,7,4],[8,1,8,5],[9,1,9,5],[10,1,10,4],[11,3,11,4],[27,3,27,4],[28,3,28,4],[29,3,29,4],[30,3,30,4]]}
[]
[]
[]
[]
[]
[]
[null,"Attachments"]
[]
[null,"The following table must be filled in with all forms and documents submitted with the application. Print as many copies of these pages as required."]
[]
[]
[null,"Attachment number","Form name","Number of pages in attachment"]
[null,1]
[null,2]
[null,3]
[null,4]
[null,5]
[null,6]
[null,7]
[null,8]
[null,9]
[null,10]
[null,11]
[null,12]
[null,13]
[null,14]
[null,15]
[null,16]
[null,17]
[null,18]
[null,19]
[null,20]
[null,21]
[null,22]
[null,23]
[null,24]
[null,25]
[null,26]
[null,27]
[null,28]
[null,29]
[null,30]
[null,31]
[null,32]
[null,33]
[null,34]
[null,35]
[null,36]
[null,37]
[null,38]
[null,39]
[null,40]
[null,41]
[null,42]
[null,43]
[null,44]
[null,45]
[null,46]
[null,47]
[null,48]
[null,49]
[null,50]
[null,51]
[null,52]
[null,53]
[null,54]
[null,55]
[null,56]
[null,57]
[null,58]
[null,59]
[null,60]
[null,61]
[null,62]
[null,63]
[null,64]
[null,65]
[null,66]
[null,67]
[null,68]
[null,69]
[null,70]
[null,71]
[null,72]
[null,73]
[null,74]
[null,75]
[null,76]
[null,77]
[null,78]
[null,79]
[null,80]
[null,81]
[null,82]
[null,83]
[null,84]
[null,85]
[null,86]
[null,87]
[null,88]
[null,89]
[null,90]
[null,91]
[null,92]
[null,93]
[null,94]
[null,95]
[null,96]
[null,97]
[null,98]
[null,99]
[null,100]
[]
[null,"END OF FORM"]