Element List	Current Quarter	Similar quarter for previous year	%Change	Previous Quarter	% Change
Sales/Revenue	82,224	87,178	-5.682	83,689	-1.75
Gross Profit (Loss)	68,380	77,789	-12.095	71,509	-4.375
Operational Profit (Loss)	26,126	28,546	-8.477	-193,177	-
Net Profit (Loss) Attributable to Shareholders of the Issuer	23,176	23,546	-1.571	-185,807	-
Total Comprehensive Income Attributable to Shareholders of the Issuer	23,176	23,546	-1.571	-185,282	-
All figures are in (Thousands) Saudi Arabia, Riyals

Element List	Current Period	Similar period for previous year	%Change
Total Shareholders Equity (after Deducting Minority Equity)	1,262,693	1,471,531	-14.191
Profit (Loss) per Share	0.2	0.2
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, reduction of net loan portfolio due 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 commission expenses on Islamic bank financings that were offset by lower credit impairment charges.
The reason of the increase (decrease) in the sales/ revenues during the current quarter compared to the previous one is	The reason of the marginal decrease in revenues during the current quarter compared to the previous one 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 (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 driven by an increase in expected credit loss provisions in the previous quarter, as the Company reassessed the write-off point for personal and SME Islamic financing receivables.
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