Frequently Asked Questions (FAQ)

Q1: Should the quantitative MSME loan figures include both on and off-balance sheet items?

A1: Yes, the figures should include both on and off-balance sheet items. Off balance sheet items should be reported at notional amount. The rows have been expanded in the quantitative tables to include separate information for both on balance sheet and off-balance sheet lines.

Q2: Should the bank apply the recently prescribed definition of MSME?

A2: The Banks should implement the recently prescribed definition of MSME as mentioned in the SAMA circular (381000064902) dated 16/6/1438 starting from 1 January 2018.

If readily available, banks are encouraged to use new definition to populate these tables for 2017 annual report. If the banks don't have available data, they can report using the old definition under SAMA circular (29697\BCS\14849) dated 22/April/2012. However, in both cases, the banks should clarify this in the notes accompanying the tables.

Q3: Can banks include customer/staff training that last less than the pre-defined 8- hour Man-Day definition?

A3: Yes, banks can include those training hours in the qualitative disclosure segment.