| 1. | Micro Enterprises - Includes loans to all small sized corporates with annual revenue up to SR3 million. If annual revenue data is not available, number of full time employees should be considered for the definition of Micro Company. Full time employees should be from 1 to 5.
|
| 2. | Small Enterprises - Includes loans to all small sized corporates with annual revenue more than SR 3 million and up to SR 40 million. If annual revenue data is not available, number of full time employees should be considered for the definition of Small Private Corporates. Full time employees should be from 6 to 49.
|
| 3. | Medium Enterprises - Includes loans to all medium sized commercial corporates with annual revenues more than SR 40 million and up to SR 200 million. If annual revenue data is not available, number of full time employees should be considered for the definition of Medium Private Corporates. Full time employees should be from 50 to 249.
|
| 4. | This return and dashboard should be completed by all Banks in Saudi Arabia and submitted to SAMA Banking Supervision Department on a quarterly basis within 30 calendar days from the end of the each quarter.
|
| 5. | Item 2.4 in Prudential Return on MSME - These are outstanding specific provisions for losses on MSME portfolio calculated based on SAMA’s circular on loan classification and provisioning issued in 2004.
|
| 6. | The amounts or values or number of customers reported should be as of and outstanding at the Quarter end. For period end numbers, these should be accumulated on a year-to- date basis.
|
| 7. | KPI return: The guidance notes for KPI return are mainly as elaborated above except with additional clarification as summarized below:
|
| | 7.1 | For off balance sheet facilities - notional amount means before applying credit conversion factors as required by Basel rules. |
| | 7.2 | SME interest rates - This should be weighted average interest rates |
| | 7.3 | NPL ratio and loans coverage ratio - this should be calculated as per SAMA’s circular on loan classification and provisioning issued in 2004. |
| | 7.4 | SME rejection rate - Only formal rejection should be reported. |
| | 7.5 | %age of collateral provided by MSME should be calculated by dividing amount of collateral by the amount of loan given to MSME. |
