{"text_format":"1","workbook":"xlsx","n_sheets":18,"sheets":["Cover page","Application checklist","1. General details","2.0 Business Details Overview","2.1 Executive Summary","2.2 Board Committees","2.3 Target Market","2.4 Value Proposition","2.5 Balance Sheet","2.6 Income Statement","2.7 Cash Flow","2.8 Ratios & Assumptions ","Ratio definitions","2.9 Execution-Operations Plan","2.10 Human Resources Plan","3. Acknowledgement","4. Fit and proper status","5. Attachments"],"not_rendered":{"charts":0,"images":1,"macros":1,"external_links":1,"defined_names":214,"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 new"]
[null,null,null,null,"finance company"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"Proposed company name"]
[]
[]
[]
[]
[]
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[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":38,"n_cols":5,"rows_kept":38,"cut":false,"hidden":false,"merged":[[8,1,9,5],[10,1,11,5],[6,1,6,5],[33,4,34,4],[12,1,12,5],[31,4,32,4],[17,1,17,5],[18,1,18,5],[19,0,19,16383],[20,1,20,5],[13,1,13,5],[14,1,14,5],[15,1,15,5],[16,1,16,5]]}
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[null,"License Application for a New Finance Company"]
[null,"Instructions"]
[null,"1- The license application shall be provided by the company's founding shareholders or their representative under an authenticated authorization, attach a copy of authenticated authorization."]
[]
[null,"2- A hardcopy of the forms and documents in the below checklist is to be submitted with a CD or USB that has an identical softcopy of the forms and documents according to the checklist."]
[]
[null,"3- The license application set by SAMA shall not be amended in any way."]
[null,"4- If an extra space is required to answer any question, then attach any answer to the hardcopy of the Form and specify the questions text."]
[null,"4- If an extra space is required to answer any question, then attach any answer to the hardcopy of the Form and specify the questions text."]
[]
[null,"4- If an extra space is required to answer any question, then attach any answer to the hardcopy of the Form and specify the questions 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  \"Applicant\" refers to the founding shareholders of the Company for which this application in submitted, and the term \"Company\" refers to the finance company that will be established. "]
[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."]
["Checklist \nThe following list indicates the forms and documents  that must be included in the license application for a new financing companies:"]
[]
[null,"Attachment number","Attachments",null,"Notes"]
[false,1,"License application from ",null,"A hardcopy and an identical softcopy of completed license application form as set by SAMA, in accordance with the sections identified in the application."]
[null,null,null,null,"1    General details"]
[null,null,null,null,"2    Business plan details"]
[null,null,null,null,"3    Acknowledgement"]
[null,null,null,null,"4    Fit and proper status"]
[null,null,null,null,"5    List of attachments"]
[false,{"$f":"B23+1","v":2},"Draft articles  and memorandum of association",null,"Copies of the draft memorandum of incorporation and articles of association as per the form set by SAMA."]
[false,{"$f":"B29+1","v":3},"Organizational structure",null,"An organizational structure, including all necessary departments and functions and key responsibilities of each."]
[false,{"$f":"B30+1","v":4},"Fit and proper form for founding shareholders",null,"Fit and proper form as set by SAMA for each founding shareholder after it is completed and signed by the founding shareholder, and attested by the person authorized to submit the license application."]
[false,{"$f":"B31+1","v":5},"Detailed feasibility study ",null,"Feasibility study, in accordance with the details identified in the license application form.\n  ■ Finance sector analysis covers at least the following:\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    – The competitive advantage\n    – Market share \n    – Products offered\n    – Geographical presence\n  ■ Analysis for the key competitors’ customers in the market, including: \n      - Targeted segments of customers \n      - Preferences of customers\n  ■ Financial analysis of the market includes at a  minimum:\n    – Projected assets by activity\n    – Projected revenue by activity\n    – Projected profit by activity\n  ■ Outcome of the feasibility study that includes at a minimum:\n    – Rationale for decision to enter the market\n    – Expected market share of\n        supply/demand gap\n    – Key industry opportunities and challenges\n    – Expected customer segments that the \n       Applicant can cater to"]
[]
[null,{"$f":"B32+1","v":6},"Detailed business plan",null,"Business plan for the financing company, in accordance with details identified in the license application form. \n  A:Financing activities requiring a license, and \n      products, and marketing plan.\n  B: Credit policies and procedures\n  C: Projected financial statements and\n       projected annual revenue, expenses, \n       financial margins and targeted growth \n       rates, taking into account capital \n       adequacy and liquidity \n       requirements as required by SAMA\n  D: Projected start-up costs and funding \n       thereof\n  E: Projected ongoing financing of operations\n  F: Branch offices to be established\n  G: Plan and monitoring program for risk \n       management and compliance\n  H: Recruitment and training plan, \n       including the projected number \n       of employees and percentage of \n       Saudi nationals at each department \n       and each organizational level, and the\n       training and qualification programs \n       for employees."]
[]
[false,{"$f":"B34+1","v":7},"Fit and proper form for board members",null,"Fit and proper form as set by SAMA for each board member after it is completed and signed by each board member, and attested by the person authorized to submit the license application."]
[true,{"$f":"B36+1","v":8},"Bank guarantee",null,"Irrevocable bank guarantee should at a minimum be equal to the minimum capital of financing activity or activities to be licensed, according to the form set by SAMA, issued by any local bank for SAMA, and is automatically renewed until the capital is paid in full."]
[false,9,"Draft proposed agreements with 3rd parties",null,"Draft agreements and contracts with third parties especially those with related parties or external service providers."]

{"sheet":"1. General details","index":2,"n_rows":147,"n_cols":7,"rows_kept":147,"cut":false,"hidden":false,"merged":[[60,3,60,5],[136,8,137,8],[23,5,24,5],[41,3,42,6],[72,5,74,5],[121,5,122,5],[76,5,78,5],[124,5,126,5],[132,5,134,5],[72,3,73,3],[124,3,126,3]]}
[null,null,null,null,null,null,"1900-02-16"]
[]
[]
[]
[]
[]
[null,null,null,"General Details"]
[null,1,{"$f":"B8+0.1","v":1.1000000000000001},"License the Applicant is applying for (select only one):",null,null,"00:00:00"]
[null,null,null,null,null,"Real estate financing",true]
[null,null,null,null,null,"Microfinancing",true]
[null,null,null,null,null,{"$f":"\"Other financing -> provide details in question \"&C14","v":"Other financing -> provide details in question 1.1a"},true]
[]
[]
[null,null,{"$f":"C8&\"a\"","v":"1.1a"},"Type(s) of financing activities the Applicant will conduct:"]
[null,false,null,null,null,"Financing production assets",false]
[null,false,null,null,null,"Financing small and medium businesses"]
[null,true,null,null,null,"Finance lease"]
[null,false,null,null,null,"Credit cards finance"]
[null,false,null,null,null,"Consumer finance"]
[null,false,null,null,null,"Other, please detail"]
[]
[]
[null,null,{"$f":"C8+0.1","v":1.2000000000000002},"What is the amount of the bank guarantee ?"]
[null,null,null,null,null,"SAR value"]
[]
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[]
[]
[]
[]
[]
[]
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[]
[]
[]
[]
[]
[]
[null,null,null,{"$f":"IF(G41>1,\"ERROR, PLEASE SELECT ONLY ONE LICENSE\",\"\")","v":""},null,null,{"$f":"COUNTIF(G15:G21,TRUE)","v":"00:00:00"}]
[]
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[null,2,null,"Contact details"]
[null,null,null,"Contact details of the person we will get in touch with regarding this application. This must be someone who works for the Applicant Company."]
[]
[]
[]
[null,null,{"$f":"B60+0.1","v":2.1},"First name"]
[]
[null,null,{"$f":"C65+0.1","v":2.2000000000000002},"Middle name(s)"]
[]
[null,null,{"$f":"C67+0.1","v":2.3000000000000003},"Surname"]
[]
[null,null,{"$f":"C69+0.1","v":2.4000000000000004},"Job title"]
[]
[null,null,{"$f":"C71+0.1","v":2.5000000000000004},"Physical business address"]
[]
[]
[]
[null,null,{"$f":"C73+0.1","v":2.6000000000000005},"Mailing address"]
[]
[]
[]
[null,null,{"$f":"C77+0.1","v":2.7000000000000006},"Phone number"]
[]
[null,null,{"$f":"C81+0.1","v":2.8000000000000007},"Mobile number "]
[]
[null,null,{"$f":"C83+0.1","v":2.9000000000000008},"Fax number"]
[]
[null,null,{"$f":"\"2.10\"","v":"2.10"},"Email address"]
[]
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[null,3,null,"Company details"]
[]
[]
[null,null,{"$f":"B119+0.1","v":3.1},"Proposed company name(s)"]
[null,null,null,"(Provide the reserved commercial register name document)"]
[]
[null,null,{"$f":"C122+0.1","v":3.2},"Proposed physical address of primary business location (if available)"]
[]
[]
[]
[null,null,{"$f":"C125+0.1","v":3.3000000000000003},"Phone number (if available)"]
[]
[null,null,{"$f":"C129+0.1","v":3.4000000000000004},"Fax number (if available)"]
[]
[null,null,{"$f":"C131+0.1","v":3.5000000000000004},"Mailing address (if available)"]
[]
[]
[]
[null,null,{"$f":"C133+0.1","v":3.6000000000000005},"Website (if available)",null,null,"00:00:00"]
[]
[]
[]
[]
[]
[]
[]
[null,null,{"$f":"C8","v":1.1000000000000001},3]
[null,null,3.7,0]
[null,null,3.9,2]

{"sheet":"2.0 Business Details Overview","index":3,"n_rows":25,"n_cols":4,"rows_kept":25,"cut":false,"hidden":false,"merged":[[17,1,18,1],[19,1,22,1],[23,1,24,1],[11,1,11,3]]}
[]
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[]
[]
[]
[]
[]
[]
[null,"Business details 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."]
[]
[]
[null,"Themes","S.No.","Topics"]
[null,"Summary","2.1","Executive Summary"]
[null,"Governance","2.2","Board Committees"]
[null,"Strategy","2.3","Target Market "]
[null,null,"2.4","Value Proposition "]
[null,"Financials ","2.5","Balance Sheet"]
[null,null,"2.6","Income Statement "]
[null,null,"2.7","Cash flow statement "]
[null,null,"2.8","Ratios & Assumptions "]
[null,"Execution","2.9","Execution- Operations Plan"]
[null,null,"2.10","Human Resources plan"]

{"sheet":"2.1 Executive Summary","index":4,"n_rows":15,"n_cols":5,"rows_kept":15,"cut":false,"hidden":false,"merged":[[6,2,6,3],[5,1,5,4]]}
[]
[]
[]
[]
[null,"Executive summary"]
[null,"This section is designed to include an Executive Summary of the business plan. Use the boxes provided to summarize the business plan based on the instructions offered in the guidelines."]
[null,null,"Details ",null,"Guidelines "]
[]
[null,"  Strategy",null,null,"This section should include the overall value proposition, competitive advantage, and target market that the Applicant will pursue"]
[]
[null,"  Executives",null,null,"Describe how the executives are suitable for the role and the expertise required to execute the business plan of the company through their commissioned roles and according to their qualifications and expertise"]
[]
[null,"  Execution ",null,null,"Describe the most important milestones to achieve in the first 5 years of conducting business. Also describe how and when will different functions be setup"]
[]
[null,"  Financials ",null,null,"Provide an overview of 5 year assets, liabilities, revenues, expenses and profits. Also provide a few key ratios to assess future health and performance of the company"]

{"sheet":"2.2 Board Committees","index":5,"n_rows":34,"n_cols":12,"rows_kept":34,"cut":false,"hidden":false,"merged":[[11,15,14,15],[11,16,14,16],[8,2,8,11]]}
[]
[]
[]
[]
[]
[]
[]
[null,null,"Board committees"]
[null,null,"This section is designed to include all the committees that the company intends to establish over the course of five years. Mention the timeline for establishment of the committee in terms of month and year."]
[null,null,null,"Committee members (candidates)",null,"Committee chair (chairman candidate if available)",null,"Committee responsibilities ",null,"Timeline for establishment",null,"Number of annual meetings"]
[]
[null,null,"Audit committee"]
[]
[null,null,"Risk management & credit committee"]
[]
[null,null,"Please write committee name"]
[]
[null,null,"Please write committee name"]
[]
[null,null,"Please write committee name"]
[]
[null,null,"Please write committee name"]
[]
[null,null,"Please write committee name"]
[]
[null,null,"Please write committee name"]
[]
[null,null,"Please write committee name"]
[]
[null,null,"Please write committee name"]
[]
[null,null,"Please write committee name"]
[]
[null,null,"Please write committee name"]

{"sheet":"2.3 Target Market","index":6,"n_rows":106,"n_cols":24,"rows_kept":106,"cut":false,"hidden":false,"merged":[[90,3,90,7],[90,9,90,14],[92,3,92,7],[92,9,92,14],[86,3,86,14],[9,2,9,14],[15,3,15,8],[15,10,15,16],[52,3,52,7],[52,9,52,14],[31,2,31,16],[32,3,32,8],[32,9,32,14],[41,3,41,7],[41,9,41,14],[42,3,42,7],[42,9,42,14],[46,3,46,7],[46,9,46,14],[10,2,10,8],[11,3,11,8],[11,10,11,16],[13,3,13,8],[13,10,13,16],[56,9,56,14],[62,3,62,7],[62,9,62,14],[48,3,48,14],[27,3,27,8],[17,3,17,8],[17,10,17,16],[19,3,19,8],[19,10,19,16],[20,3,20,8],[21,3,21,8],[22,3,22,8],[23,3,23,8],[21,10,21,16],[44,3,44,7],[44,9,44,14],[64,3,64,7],[64,9,64,14],[58,3,58,7],[58,9,58,14],[60,3,60,7],[60,9,60,14],[23,10,23,16],[54,3,54,7],[54,9,54,14],[56,3,56,7],[25,3,25,8],[25,10,25,16],[69,2,69,16],[70,3,70,8],[70,9,70,14],[79,3,79,7],[79,9,79,14],[80,3,80,7],[80,9,80,14],[82,3,82,7],[82,9,82,14],[102,9,102,14],[94,3,94,7],[94,9,94,14],[96,3,96,7],[98,3,98,7],[98,9,98,14],[100,3,100,7],[100,9,100,14],[102,3,102,7],[96,9,96,14],[84,3,84,7],[84,9,84,14]]}
[]
[]
[]
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[]
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[]
[null,null,"Target market"]
[null,null,"This section is designed to include description of the targeted market for each financing activity to be licensed (including description for the targeted client segment based on income level, geographical distribution, consumer behaviour and any other classification used by the company). In addition to the description, also provide forecasts of the market size, profits and expected losses. Finally, describe the competitive environment and key challenges that the Applicant expects to face with potential mitigants that the Applicant 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,"Micro Finance"]
[]
[false,null,"Financing production assets",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Financing Production Assets"]
[]
[false,null,"Financing small and medium businesses",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Financing Small and Medium Businesses"]
[false]
[false,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Credit Card Finance"]
[]
[false,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Consumer Finance"]
[]
[true,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Finance Lease "]
[]
[false,null,"Other activity or activities "]
[]
[]
[]
[null,null,"Sample - DO NOT FILL"]
[null,null,"Market Economics","Forecast"]
[null,null,null,"Year 1","Year 2","Year 3","Year 4","Year 5","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 greater 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"]
[]
[]
[{"$f":"A30+1","v":"1900-01-01"}]
[]
[null,null,"Finance Lease "]
[null,null,"Market Economics","Forecast"]
[null,null,null,"Year 1","Year 2","Year 3","Year 4","Year 5","CAGR, %"]
[null,null,"Total market volumes, SAR millions"]
[null,null,"Average gross profit margin, %"]
[null,null,"Non performing loans as % of total loans  (non payment of instalment greater than 90 days)"]
[]
[]
[]
[null,null,"  Market Structure "]
[null,null,null,"Name",null,null,null,null,null,"Estimated Market Share, %"]
[null,null,"  Key competitor 1 "]
[]
[null,null,"  Key competitor 2"]
[]
[null,null,"  Key competitor 3"]
[]
[null,null,"Explain the important drivers of demand in the activity area like population, income increase etc."]
[]
[]
[null,null,"Key market challenges and barriers"]
[null,null,null,"Challenge description",null,null,null,null,null,"Potential mitigants"]
[]
[null,null,"Challenge 1"]
[]
[null,null,"Challenge 2"]
[]
[null,null,"Challenge 3"]
[]
[null,null,"Challenge 4"]
[]
[null,null,"Challenge 5"]
[]
[null,null,"Challenge 6"]
[]
[]
[{"$f":"A68+1","v":"1900-01-02"}]

{"sheet":"2.4 Value Proposition","index":7,"n_rows":95,"n_cols":16330,"rows_kept":15,"cut":true,"hidden":false,"merged":[[92,3,92,8],[92,16330,92,16335],[86,3,86,8],[86,16330,86,16335],[88,3,88,8],[88,16330,88,16335],[90,3,90,8],[90,16330,90,16335],[78,3,78,8],[80,3,80,8],[82,3,82,8],[82,16330,82,16335],[84,3,84,8],[84,16330,84,16335],[78,16330,78,16335],[80,16330,80,16335],[72,3,72,8],[72,16330,72,16335],[74,3,74,8],[74,16330,74,16335],[76,3,76,8],[76,16330,76,16335],[66,3,66,8],[66,16330,66,16335],[68,3,68,8],[68,16330,68,16335],[70,3,70,8],[70,16330,70,16335],[63,3,63,8],[63,16330,63,16335],[51,3,51,8],[51,16330,51,16335],[53,3,53,8],[53,16330,53,16335],[55,3,55,8],[55,16330,55,16335],[57,3,57,8],[57,16330,57,16335],[59,3,59,8],[59,16330,59,16335],[61,3,61,8],[61,16330,61,16335],[19,3,19,8],[21,3,21,8],[24,2,24,4],[25,3,25,8],[35,3,35,8],[17,3,17,8],[8,2,9,9],[10,2,10,4],[11,3,11,8],[13,3,13,8],[15,3,15,8]],"bounds":{"rows_first":7,"rows_last":1,"rows_between":7,"halvings":8}}
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"Number of Call Centres"]
[]
[]
[]
[]
[]
[null,null,"A report including description of all fees, commissions and administrative charges for every product must be attached to the 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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":"2.5 Balance Sheet","index":8,"n_rows":157,"n_cols":9,"rows_kept":157,"cut":false,"hidden":false,"merged":[[8,2,8,8],[9,3,9,8],[61,3,61,8],[141,3,141,8],[91,3,91,8],[106,3,106,8],[126,3,126,8],[71,3,71,8]]}
[]
[]
[]
[]
[]
[]
[]
[null,null,"Balance sheet"]
[null,null,"Fill the following table including forecast values for the next 5 years"]
[null,null,null,"Forecast"]
[null,null,"SAR","Year 1","Year 2","Year 3","Year 4","Year 5","CAGR %"]
[null,null,"ASSETS"]
[]
[null,null,"Cash and cash equivalents/bank Balances"]
[null,null,"Accounts receivables: Current"]
[null,null,"Prepaid expenses"]
[null,null,"Assets held for sale"]
[null,null,"Other short term assets "]
[null,null,"Please specify others "]
[null,null,"TOTAL CURRENT ASSETS "]
[]
[null,null,"Net accounts receivables: long term"]
[null,null,"Intangible assets"]
[null,null,"Property Plant and Equipment"]
[null,null,"Other long term assets"]
[null,null,"Please specify others "]
[null,null,"TOTAL LONG TERM ASSETS"]
[]
[null,null,"TOTAL ASSETS"]
[]
[null,null,"LIABILITIES "]
[]
[null,null,"Accounts payable and accruals"]
[null,null,"Provision for Zakat and income tax"]
[null,null,"Contingent liabilities "]
[null,null,"Short term borrowings"]
[null,null,"Other short term liabilities "]
[null,null,"Please specify others "]
[null,null,"TOTAL CURRENT LIABILITIES"]
[]
[null,null,"Long term debt (syndicated loans, bond issuances etc.)"]
[null,null,"Employees' end of service benefits "]
[null,null,"Other fixed liabilities"]
[null,null,"Please specify others "]
[null,null,"TOTAL LONG TERM LIABILITIES"]
[]
[null,null,"TOTAL LIABILITIES"]
[]
[null,null,"EQUITY"]
[]
[null,null,"Paid-up share capital"]
[null,null,"Statutory reserves "]
[null,null,"Retained Earnings "]
[null,null,"Other reserves"]
[null,null,"Please specify others "]
[null,null,"TOTAL SHAREHOLDERS' EQUITY"]
[]
[null,null,"TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY"]
[]
[]
[]
[null,null,null,"Forecast"]
[null,null,"SAR","Year 1","Year 2","Year 3","Year 4","Year 5","CAGR%"]
[null,null,"NET ACCOUNTS RECEIVABLES "]
[]
[null,null,"Accounts receivables: long term"]
[null,null,"(Provisions for doubtful accounts)"]
[null,null,"Net Accounts receivables: long term"]
[]
[]
[]
[null,null,null,"Forecast"]
[null,null,"SAR","Year 1","Year 2","Year 3","Year 4","Year 5","CAGR %"]
[null,null,"OFF BALANCE SHEET ITEMS"]
[]
[null,null,"Provide details about your off balance sheet items "]
[]
[null,null,"Option like contingent claims"]
[null,null,"Loan commitments "]
[null,null,"Options "]
[null,null,"Standby letters of credit "]
[null,null,"Non option contingent claims "]
[null,null,"Futures and forwards "]
[null,null,"Interest rate swaps"]
[null,null,"Forex transactions with future settlements "]
[null,null,"Others"]
[]
[]
[]
[]
[]
[null,null,null,"Forecast"]
[null,null,"SAR","Year 1","Year 2","Year 3","Year 4","Year 5","CAGR %"]
[null,null,"VOLUMES BY FINANCING ACTIVITY "]
[]
[null,null,"Real estate finance"]
[null,null,"Micro-finance"]
[null,null,"Financing production assets"]
[null,null,"Financing small and medium businesses"]
[null,null,"Credit card finance "]
[null,null,"Consumer finance "]
[null,null,"Financial lease "]
[null,null,"Others"]
[null,null,"TOTAL VOLUMES"]
[]
[]
[null,null,null,"Forecast"]
[null,null,"SAR","Year 1","Year 2","Year 3","Year 4","Year 5","CAGR %"]
[null,null,"VOLUMES 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,null,"Forecast"]
[null,null,"SAR","Year 1","Year 2","Year 3","Year 4","Year 5","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,null,"Forecast"]
[null,null,"SAR","Year 1","Year 2","Year 3","Year 4","Year 5","CAGR1 %"]
[null,null," VOLUMES BY SECTORS (FOR SME FINANCE AND FINANCE OF PRODUCTION ASSETS ONLY)"]
[]
[null,null,"Government and semi government"]
[null,null,"Banks and other financial institutions "]
[null,null,"Agriculture and fishing"]
[null,null,"Manufacturing "]
[null,null,"Building and construction"]
[null,null,"Commerce"]
[null,null,"Transportation and communication"]
[null,null,"Services "]
[null,null,"Consumer loans and credit cards"]
[null,null,"Electricity, water, gas and health services "]
[null,null,"Others"]
[null,null,"TOTAL VOLUMES"]

{"sheet":"2.6 Income Statement","index":9,"n_rows":36,"n_cols":9,"rows_kept":36,"cut":false,"hidden":false,"merged":[[8,2,8,8],[9,3,9,8]]}
[]
[]
[]
[]
[]
[]
[]
[null,null,"Income statement"]
[null,null,"Fill the following table including forecast values for the next 5 years"]
[null,null,null,"Forecast"]
[null,null,"SAR","Year 1","Year 2","Year 3","Year 4","Year 5","CAGR %"]
[]
[null,null,"Income on financing activity"]
[null,null,"Less"]
[null,null,"Financing costs"]
[null,null,"NET FINANCING INCOME"]
[]
[null,null,"Fee and commission income, net"]
[null,null,"Other Income "]
[null,null,"Please specify others "]
[null,null,"GROSS OPERATING INCOME"]
[]
[null,null,"Less Operating Expenses "]
[null,null,"Salaries and employee related expenses"]
[null,null,"Rent and premises related expenses "]
[null,null,"Other general and administrative expenses "]
[null,null,"Charge for Impairment on financing"]
[null,null,"Depreciation and amortization "]
[null,null,"NET OPERATING INCOME"]
[null,null,"Less"]
[null,null,"Zakat"]
[null,null,"Income tax"]
[null,null,"Other expenses, e.g., formation expenses for new companies "]
[null,null,"Please specify others "]
[]
[null,null,"NET INCOME"]

{"sheet":"2.7 Cash Flow","index":10,"n_rows":66,"n_cols":9,"rows_kept":66,"cut":false,"hidden":false,"merged":[[8,2,8,8],[9,3,9,8],[50,3,50,8]]}
[]
[]
[]
[]
[]
[]
[]
[null,null,"Cash flow statement "]
[null,null,"Fill the following table including forecast values for the next 5 years"]
[null,null,null,"Forecast"]
[null,null,"SAR","Year 1","Year 2","Year 3","Year 4","Year 5","CAGR %"]
[null,null,"OPERATING ACTIVITIES "]
[]
[null,null,"Net income"]
[null,null,"Adjusted for:"]
[null,null,"Depreciation and amortization"]
[null,null,"(Gain) / loss on disposal of property & equipment"]
[null,null,"Impairment charges on financing and other"]
[null,null,"Other adjustments"]
[null,null,"Please specify others"]
[null,null,"Operating income before changes in operating assets and liabilities"]
[]
[null,null,"Changes in operating assets and liabilities:"]
[null,null,"Balances with banks"]
[null,null,"Financing"]
[null,null,"Other assets"]
[null,null,"Due to banks and other financial institutions"]
[null,null,"Cash used in operations"]
[null,null,"Other liabilities"]
[null,null,"Please specify others"]
[null,null,"NET CASH GENERATED/ USED IN OPERATING ACTIVITIES"]
[]
[null,null,"INVESTING ACTIVITIES "]
[]
[null,null,"Purchase of property and equipment"]
[null,null,"Proceeds from the sale of property and equipment"]
[null,null,"Acquisition of investment securities"]
[null,null,"Proceeds from sale of investment securities"]
[null,null,"Other investing activities"]
[null,null,"NET CASH USED IN  INVESTING ACTIVITIES"]
[]
[null,null,"FINANCING ACTIVITIES "]
[null,null,"Due to related parties"]
[null,null,"Borrowings from banks and other financial institutions"]
[null,null,"Other financing activities "]
[null,null,"Dividends paid"]
[null,null,"NET CASH USED IN/GENERATED FROM FINANCING ACTIVITIES"]
[]
[]
[]
[null,null,null,"Forecast"]
[null,null,"SAR","Year 1","Year 2","Year 3","Year 4","Year 5","CAGR %"]
[null,null,"START UP COST & CAPITAL EXPENDITURE"]
[]
[null,null,"Purchase of property"]
[null,null,"Repair and maintenance"]
[null,null,"Deposits for utility companies"]
[null,null,"IT infrastructure"]
[null,null,"Advertising and marketing costs"]
[null,null,"Insurance fees "]
[null,null,"Administrative and general expenses"]
[null,null,"Purchase of vehicles "]
[null,null,"Professional fees paid to legal experts, accountants, website designer,  etc."]
[null,null,"License fees"]
[null,null,"Wages and benefits paid to employees"]
[null,null,"Please specify others"]

{"sheet":"2.8 Ratios & Assumptions ","index":11,"n_rows":73,"n_cols":10,"rows_kept":73,"cut":false,"hidden":false,"merged":[[8,2,8,9],[9,3,9,9],[47,3,47,8],[47,9,48,10],[61,3,61,8],[61,9,62,10]]}
[]
[]
[]
[]
[]
[]
[]
[null,null,"Ratios & Assumptions"]
[null,null,"Fill the following table including forecast values for the next 5 years"]
[null,null,null,"Forecast"]
[null,null,null,"Year 1","Year 2","Year 3","Year 4","Year 5","CAGR%"]
[null,null,"PROFITABILITY RATIOS "]
[]
[null,null,"Leverage "]
[null,null,"ROAE (Return on average equity)"]
[null,null,"Gross margins "]
[null,null,"Operating margins"]
[null,null,"Net profit margins "]
[null,null,"Net funded income/total financing"]
[null,null,"Return on average assets"]
[null,null,"Annual percentage rate"]
[]
[]
[null,null,"COST RATIOS"]
[]
[null,null,"Cost of funding/total liabilities"]
[null,null,"Operating cost/operating income"]
[null,null,"Non performing loans as percent of gross loans (overall)"]
[null,null,"        By real estate finance"]
[null,null,"        By microfinance "]
[null,null,"        By financing production assets"]
[null,null,"        By financing SME"]
[null,null,"        By credit card finance "]
[null,null,"        By consumer finance"]
[null,null,"        By financial lease"]
[null,null,"        By other activities"]
[]
[]
[null,null,"FINANCIAL RATIOS"]
[]
[null,null,"Average LTV (for real estate only)"]
[null,null,"Short term liquidity ratio for 30 days (liquidity ratio)"]
[null,null,"Long term liquidity ratio (liabilities ratio)"]
[null,null,"Long term liquidity ratio (coverage ratio)"]
[]
[]
[]
[null,null,null,"Forecast",null,null,null,null,null,"Source of Assumptions"]
[null,null,null,"Year 1","Year 2","Year 3","Year 4","Year 5","CAGR %"]
[null,null,"MARKET ASSUMPTIONS"]
[]
[null,null,"Market share of company "]
[null,null,"SAIBOR assumptions "]
[null,null,"Others:"]
[null,null,"Assumption 1"]
[null,null,"Assumption 2"]
[null,null,"Assumption 3"]
[null,null,"Assumption 4"]
[null,null,"Assumption 5"]
[]
[]
[null,null,null,"Forecast",null,null,null,null,null,"Source of Assumptions"]
[null,null,null,"Year 1","Year 2","Year 3","Year 4","Year 5","CAGR %"]
[null,null,"CUSTOMERS BY FINANCING ACTIVITY"]
[null,null,"Total customers"]
[null,null,"        By real estate finance"]
[null,null,"        By microfinance "]
[null,null,"        By financing production assets"]
[null,null,"        By financing SME"]
[null,null,"        By credit card finance "]
[null,null,"        By consumer finance"]
[null,null,"        By financial lease"]
[null,null,"        By other activities"]

{"sheet":"Ratio definitions","index":12,"n_rows":41,"n_cols":4,"rows_kept":41,"cut":false,"hidden":false,"merged":[[86,16,87,16],[42,9,42,15],[86,9,86,14],[86,15,87,15]]}
[]
[]
[]
[]
[]
[]
[]
[null,null,"Ratios definitions"]
[]
[null,null,null,"Definition "]
[null,null,"PROFITABILITY RATIOS "]
[]
[null,null,"Leverage ","Leverage = Total assets/Shareholders' equity"]
[null,null,"ROAE (Return On Average Equity)","ROAE = Net income/Average shareholders' equity"]
[null,null,"Gross margins ","Gross margin = Gross profit/ Revenues"]
[null,null,"Operating margins","Operating margin = Operating income/ Revenues"]
[null,null,"Net profit margins ","Net profit margin = Net income/ Revenues"]
[null,null,"Net funded income/Total financing","Net funded income/Total financing = Net funded income / total granted finance"]
[null,null,"Annual percentage rate","Annual percentage rate = Annual estimated ratio calculated according to the provisions of Article 81 of bylaws of Financing  Companies Control System"]
[]
[]
[null,null,"COST RATIOS"]
[]
[null,null,"Cost of funding / Total liabilities","Cost of funding / Total liabilities = Cost of funding on the company / Total liabilities"]
[null,null,"Operating cost / Operating income","Operating cost / Operating income = Operating cost / Operating income"]
[null,null,"Non Performing loans as % of gross loans overall","Non performing loans overall = Value of non performing loans overall/ 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 Microfinance ","Non performing loans in MF= Value of non performing loans in microfinance / Value of total loans in microfinance"]
[null,null,"        By Financing production         \n        assets","Non performing loans in Fin. Prod. Assets= Value of non performing in financing production assets' loans / Value of total loans in  financing production assets"]
[null,null,"        By Financing SME","Non performing loans in SME= Value of non performing loans in SME / Value of total loans in SME"]
[null,null,"        By Credit card finance ","Non performing loans in Credit card finance= Value of non performing loans in credit cards / Value of total loans in Credit cards"]
[null,null,"        By Consumer finance","Non performing loans in Consumer Fin.= Value of non performing loans in customer finance / Value of total loans in customer finance "]
[null,null,"        By Finance lease","Non performing loans in finance lease= Value of non performing loans  in finance lease/ Value of total loans in finance lease"]
[]
[]
[null,null,"FINANCIAL RATIOS"]
[]
[null,null,"Average loan-to-value (LTV) (Real estate finance)","Loan to value ratio= Value of loan underwritten/ Value of asset "]
[null,null,"Short term liquidity ratio for 30 days (liquidity ratio)","Current ratio= Current assets / Current liabilities"]
[null,null,"Long term liquidity ratio (liability ratio)","Liabilities  ratio = Long term debt / (Equity + long term debt)"]
[null,null,"Long term liquidity ratio (Cover ratio)","Interest cover ratio = Net profits before interests, taxes and Zakat paid / Total funds paid"]

{"sheet":"2.9 Execution-Operations Plan","index":13,"n_rows":157,"n_cols":17,"rows_kept":157,"cut":false,"hidden":false,"merged":[[8,2,8,3],[114,2,114,3],[13,4,13,13],[15,4,15,13],[17,4,17,13],[19,4,19,13],[114,10,119,10],[21,4,21,13],[23,4,23,13],[25,4,25,13],[27,4,27,13],[31,4,31,13],[39,4,39,13],[41,4,41,13],[43,4,43,13],[53,5,53,13],[73,5,73,7],[45,2,45,6],[133,4,133,6],[127,4,127,6],[129,4,129,6],[131,4,131,6],[61,2,61,4],[127,11,127,13],[129,11,129,13],[131,11,131,13],[127,8,127,9],[129,8,129,9],[131,8,131,9],[156,4,156,13],[139,4,139,13],[141,4,141,13],[143,4,143,13],[145,4,145,13],[147,4,147,13],[154,4,154,13],[152,4,152,13],[9,2,9,13],[133,8,133,9],[133,11,133,13],[94,2,94,6],[120,2,120,6],[55,5,55,13],[57,5,57,13],[59,5,59,13],[61,5,61,13],[63,5,63,13],[33,4,33,13],[65,5,65,13],[92,4,92,13],[90,4,90,13],[67,5,67,13],[29,4,29,13]]}
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"Execution-Operations Plan"]
[null,null,"This section is designed to include details of the operations plan and timeline to implementation of the different operations"]
[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 will the Applicant use for managing these risks?"]
[null,null,"Credit Risk"]
[]
[null,null,"Market Risk"]
[]
[null,null,"Term Cost Rate Risk"]
[]
[null,null,"Exchange Rate Risk"]
[]
[null,null,"Liquidity Risk"]
[]
[null,null,"Operational Risk"]
[]
[null,null,"Country Risk"]
[]
[null,null,"Legal Risk"]
[]
[null,null,"Reputation Risk"]
[]
[null,null,"Technology Risk"]
[]
[null,null,"Mention the details of any insurance related to any of the above mentioned risks  or any other risks."]
[]
[]
[]
[null,null,"Marketing and Sales"]
[]
[null,null,"Key sources of customer acquisition"]
[]
[null,null,"Description of Primary marketing mediums and channels"]
[]
[null,null,"Budget for marketing for 1st year, SAR"]
[]
[null,null,"Please attach a detailed marketing plan with the form"]
[]
[]
[]
[null,null,"IT Infrastructure"]
[null,null,"What are the core systems that the Applicant will install?"]
[null,null,null,null,null,"System"]
[]
[false,null,"Risk Management Systems"]
[]
[false,null,"Enterprise wide General Ledger"]
[]
[false,null,"Data Warehousing "]
[]
[false,null,"Information Security"]
[]
[false,null,"Customer Relationship Management"]
[]
[false,null,"Disaster Recovery Solutions"]
[]
[false,null,"Remote Payment Capabilities"]
[]
[null,null,"Specify any other core systems you will use in the future"]
[]
[]
[]
[null,null,"Collections Plan"]
[]
[null,null,"Financial Activity",null,null,"In House / Outsourced"]
[]
[null,null,"Real estate finance"]
[]
[null,null,"Micro-finance"]
[]
[null,null,"Financing production assets"]
[]
[null,null,"Financing small and medium businesses"]
[]
[null,null,"Credit card finance "]
[]
[null,null,"Consumer finance "]
[]
[null,null,"Financial lease "]
[]
[]
[null,null,"Collections timeline: Provide different steps taken by 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 vendor (if any)"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[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 does the applicant plan to establish?"]
[]
[null,null,"Will the applicant have detailed policy and process guidelines?"]
[]
[null,null,"How many people will be allocated to the function over 5 years?"]
[]
[]
[]
[]
[null,null,"Timeline "]
[]
[null,null,"Provide launch dates for the financial activity (wherever applicable) :"]
[]
[null,null,"Real estate finance",null,null,null,null,null,"Credit card finance "]
[]
[null,null,"Micro-finance",null,null,null,null,null,"Consumer finance "]
[]
[null,null,"Financing production assets",null,null,null,null,null,"Finance lease "]
[]
[null,null,"Financing small and medium businesses",null,null,null,null,null,"Other activities "]
[]
[]
[]
[null,null,"Sharia Committee"]
[]
[null,null,"Sharia committee members names"]
[]
[null,null,"Chairman  "]
[]
[null,null,"Committee responsibilities and roles"]
[]
[null,null,"Plan of financing activities revision by the Sharia committee"]
[]
[null,null,"Time line for the Sharia committee to review financing products submitted by the company"]
[]
[]
[null,null,"Funding strategy"]
[]
[null,null,"Explain the funding strategy with details of different sources of funding"]
[]
[null,null,"Planned time for the Applicant to offer IPO"]
[]
[null,null,"Details of any finance the company may receive from  foreign entity or with foreign currency"]

{"sheet":"2.10 Human Resources Plan","index":14,"n_rows":64,"n_cols":15,"rows_kept":64,"cut":false,"hidden":false,"merged":[[69,4,69,14],[71,4,71,14],[55,4,55,14],[57,4,57,14],[59,4,59,14],[63,4,63,14],[65,4,65,14],[67,4,67,14],[53,4,53,14],[30,2,30,15],[31,2,31,16],[33,4,33,14],[35,4,35,14],[39,4,39,14],[41,4,41,14],[43,4,43,14],[45,4,45,14],[47,4,47,14],[49,4,49,14],[51,4,51,14],[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]]}
[]
[]
[]
[]
[]
[null,null,"Human Resources Plan"]
[null,null,"This section is designed to include details of human resources plan for the next 5 years"]
[null,null,"Human Resources Plan"]
[null,null,null,"Year 1",null,"Year 2",null,"Year 3",null,"Year 4",null,"Year 5",null,"CAGR"]
[null,null,null,"No. of Employees","Saudi-zation   %","No. of Employees","Saudi-zation   %","No. of Employees","Saudi-zation   %","No. of Employees","Saudi-zation   %","No. of Employees","Saudi-zation   %","No. of Employees","Saudi-zation   %"]
[null,null,"Overall "]
[null,null,"By Function"]
[null,null,"Sales"]
[null,null,"Risk"]
[null,null,"Internal Audit"]
[null,null,"Finance"]
[null,null,"Treasury & Accounting"]
[null,null,"HR"]
[null,null,"Compliance "]
[null,null,"IT"]
[null,null,"Operations "]
[null,null,"Other departments"]
[null,null,"By Level"]
[null,null,"First line reporting directly to CEO"]
[null,null,"Second line reporting to First line"]
[null,null,"Third line reporting to Second line"]
[]
[]
[]
[]
[null,null,"This section is designed to include details  about human resources plan for the next 5 years"]
[null,null,"Training Program"]
[]
[null,null,"Average number of training days per employee (per annum)"]
[]
[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":"3. Acknowledgement","index":15,"n_rows":45,"n_cols":5,"rows_kept":45,"cut":false,"hidden":false,"merged":[[38,2,38,4],[5,2,5,4],[8,2,16,4],[18,2,26,4],[32,2,35,4],[37,2,37,4],[6,2,6,4],[28,2,30,4]]}
[]
[]
[]
[]
[]
[null,null,"Acknowledgement                                                                                                                                          "]
[null,null,"This acknowledgement should be signed by the company's founding shareholders or their representative under an authenticated authorization."]
[]
[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 I'm 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,"The License Applicant declares that it 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 I and the License Applicant are aware that SAMA may reject the license application or revoke the License if it is found that the applicant  has submitted false information or failed to disclose material information that should have been provided for licensing purposes."]
[]
[]
[]
[]
[null,null,"I undertake that the License Applicant 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 applicant 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,"Stamp"]

{"sheet":"4. Fit and proper status","index":16,"n_rows":184,"n_cols":9,"rows_kept":184,"cut":false,"hidden":false,"merged":[[9,1,10,5],[13,6,17,7],[12,1,12,5],[11,1,11,5],[114,0,114,5],[117,0,117,5],[149,0,149,5],[152,0,152,5],[115,1,116,5],[150,1,151,5]]}
[]
[]
[]
[]
[]
[null,"Fit and proper status"]
[null,"This section is designed to include details of all founding shareholders, Company board"]
[null,"and board committees membership candidates, as well as top management positions "]
[null,"candidates.  The fit and proper form should be attached for each of them. Knowing that "]
[null,"the form can be downloaded from the SAMA website (www.sama.gov.sa)."]
[]
[null,"First: Enter names and details of all company founding shareholders, and indicate whether the fit and proper form is submitted for every founding shareholder or not."]
[]
["S.No.","Shareholder name","Nationality","Shareholding Percentage","Has Fit and Proper form been attached after completion?","Reason for not attaching Fit and Proper form"]
[1]
[2,null,null,null,null,null,null,null,"Shareholder - individual"]
[3,null,null,null,null,null,null,null,"Shareholder - legal entity"]
[4,null,null,null,null,null,null,null,"Board member"]
[5,null,null,null,null,null,null,null,"Senior manager"]
[6]
[7]
[8]
[9]
[10]
[11]
[12]
[13]
[14]
[15]
[16]
[17]
[18]
[19]
[20]
[21]
[22]
[23]
[24]
[25]
[26]
[27]
[28]
[29]
[30]
[31]
[32]
[33]
[34]
[35]
[36]
[37]
[38]
[39]
[40]
[41]
[42]
[43]
[44]
[45]
[46]
[47]
[48]
[49]
[50]
[51]
[52]
[53]
[54]
[55]
[56]
[57]
[58]
[59]
[60]
[61]
[62]
[63]
[64]
[65]
[66]
[67]
[68]
[69]
[70]
[71]
[72]
[73]
[74]
[75]
[76]
[77]
[78]
[79]
[80]
[81]
[82]
[83]
[84]
[85]
[86]
[87]
[88]
[89]
[90]
[91]
[92]
[93]
[94]
[95]
[96]
[97]
[98]
[99]
[100]
[]
[null,"Second: Enter names and details of all board and board committees membership candidates, and indicate whether the fit and proper form is submitted or not."]
[]
[]
["S.No.","Member name","Nationality","Membership type (Board Member or Committee Member)","Has Fit and Proper form been attached after completion?","Reason for not attaching Fit and Proper form"]
[1]
[2]
[3]
[4]
[5]
[6]
[7]
[8]
[9]
[10]
[11]
[12]
[13]
[14]
[15]
[16]
[17]
[18]
[19]
[20]
[21]
[22]
[23]
[24]
[25]
[26]
[27]
[28]
[29]
[30]
[]
[null,"Third: Enter names and details of all top management positions candidate (including positions of the Managing Director, CEO and General Manager and their deputies, and the Finance Manager, key departments managers or their deputies, monitoring and audit jobs managers, such as internal audit, risk management and compliance, or their deputies), and indicate whether  the fit and proper form is submitted for every candidate or not"]
[]
[]
["S.No.","Member name","Nationality","Membership type (Board Member or Committee Member)","Has Fit and Proper form been attached after completion?","Reason for not attaching Fit and Proper form"]
[1]
[2]
[3]
[4]
[5]
[6]
[7]
[8]
[9]
[10]
[11]
[12]
[13]
[14]
[15]
[16]
[17]
[18]
[19]
[20]
[21]
[22]
[23]
[24]
[25]
[26]
[27]
[28]
[29]
[30]

{"sheet":"5. Attachments","index":17,"n_rows":114,"n_cols":3,"rows_kept":114,"cut":false,"hidden":false,"merged":[[8,1,8,2],[9,1,9,2],[10,1,10,2]]}
[]
[]
[]
[]
[]
[]
[null,"Attachments"]
[]
[null,"The following table must be filled in with all forms and Documents submitted with the application, except fit and proper forms mentioned in \"fit and proper status\" section. Print as many copies of this table as required in case the Applicant needs more space."]
[]
[]
["#","Attachment","Number of pages in attachment"]
[1]
[{"$f":"A13+1","v":2}]
[3]
[4]
[5]
[6]
[7]
[8]
[9]
[10]
[11]
[12]
[13]
[14]
[15]
[16]
[17]
[18]
[19]
[20]
[21]
[22]
[23]
[24]
[25]
[26]
[27]
[28]
[29]
[30]
[31]
[32]
[33]
[{"$f":"A45+1","v":34}]
[35]
[36]
[37]
[38]
[39]
[40]
[41]
[42]
[43]
[44]
[45]
[46]
[47]
[48]
[49]
[50]
[51]
[52]
[53]
[54]
[55]
[56]
[57]
[58]
[59]
[60]
[61]
[62]
[63]
[64]
[65]
[{"$f":"A77+1","v":66}]
[67]
[68]
[69]
[70]
[71]
[72]
[73]
[74]
[75]
[76]
[77]
[78]
[79]
[80]
[81]
[82]
[83]
[84]
[85]
[86]
[87]
[88]
[89]
[90]
[91]
[92]
[93]
[94]
[95]
[96]
[97]
[98]
[99]
[100]
[]
[null,"END OF FORM"]