Element List	Current Quarter	Similar quarter for previous year	%Change	Previous Quarter	% Change
Sales/Revenue	87,614	92,938	-5.728	82,725	5.909
Gross Profit (Loss)	76,677	80,886	-5.203	72,266	6.103
Operational Profit (Loss)	24,153	44,523	-45.751	20,371	18.565
Net profit (Loss)	20,353	38,923	-47.709	15,571	30.71
Total Comprehensive Income	20,353	38,923	-47.709	15,571	30.71
All figures are in (Thousands) Saudi Arabia, Riyals

Element List	Current Period	Similar period for previous year	%Change
Sales/Revenue	257,517	271,984	-5.319
Gross Profit (Loss)	226,732	235,790	-3.841
Operational Profit (Loss)	73,070	110,266	-33.732
Net profit (Loss)	59,470	94,416	-37.012
Total Comprehensive Income	59,470	94,416	-37.012
Total Shareholders Equity (after Deducting Minority Equity)	1,438,644	1,471,330	-2.221
Profit (Loss) per Share	0.5	0.79
All figures are in (Thousands) Saudi Arabia, Riyals

Element List	Amount	Percentage of the capital (%)
Profit (Losses) Resulting From The Change In Investment Propertie’s Fair Value	-	-
All figures are in (Thousands) Saudi Arabia, Riyals

Element List	Explanation
The reason of the increase (decrease) in the sales/ revenues during the current quarter compared to the same quarter of the last year is	The reason of the decrease in the revenues during the current quarter compared to the same quarter of the last year is primarily because of change in product mix toward higher credit quality segment in addition to, premature settlements that is no longer contributing to the revenues of consumer financing portfolio.
The reason of the increase (decrease) in the net profit during the current quarter compared to the same quarter of the last year is	The reason of the decrease in the net profit during the current quarter compared to the same quarter of the last year is attributable to lower operating revenues and higher credit impairment charges to enhance coverage ratio.
The reason of the increase (decrease) in the sales/ revenues during the current quarter compared to the previous one is	The reason of the increase in revenues during the current quarter compared to the previous one is due to increase in sales of consumer financing portfolio and regularization of delinquent customers resulting to reverting in income line.
The reason of the increase (decrease) in the net profit (loss) during the current quarter compared to the previous one is	The reason of the increase in the net profit during the current quarter compared to the previous one is mainly due to increase operating revenues.
The reason of the increase (decrease) in the sales/ revenues during the current period compared to the same period of the last year is	The reason of the decrease in the revenues during the current period compared to the same period of the last year is primarily because of change in product mix toward higher credit quality segment in addition to, premature settlements that is no longer contributing to the revenues of consumer financing portfolio.
The reason of the increase (decrease) in the net profit during the current period compared to the same period of the last year is	The reason of the decrease in the net profit during the current period compared to the same period of the last year is attributable to lower operating revenues and higher credit impairment charges to enhance coverage ratio.
Statement of the type of external auditor's report	Unmodified conclusion
Comment mentioned in the external auditor’s report, mentioned in any of the following paragraphs (other matter, conservation, notice, disclaimer of opinion, or adverse opinion)	NA
Reclassification of Comparison Items	NA
Additional Information	NA