Terminologies: .

‫ﺍﻟﻤﺼﻄﻠﺤﺎﺕ‬
Market Value: .‫ﺍﻟﻘﻴﻤﺔ ﺍﻟﺴﻮﻗﻴﺔ‬
Market Rent:‫ﺇﻳﺠﺎﺭ ﺍﻟﺴﻮﻕ‬
Investment Value: ‫ﻗﻴﻤﺔ ﺍﻻﺳﺘﺜﻤﺎﺭ‬
Fair Value: ‫ﺍﻟﻘﻴﻤﺔ ﺍﻟﻌﺎﺩﻟﺔ‬
Reschedule : ‫ﺍﻋﺎﺩﺓ ﺟﺪﻭﻟﺔ‬
Structure :‫ﺍﻟﻬﻴﻜﻞ ﺍﻟﺘﻨﻈﻴﻤﻲ‬
Restructure : ‫ﺇﻋﺎﺩﺓ ﺍﻟﻬﻴﻜﻠﺔ‬
Insolvency : ‫ﺇﻋﺴﺎﺭ‬
Deficit : ‫ﺍﻟﻌﺠﺰ‬
Double Taxation : ‫ﺍﻻﺯﺩﻭﺍﺝ ﺍﻟﻀﺮﻳﺒﻲ‬
to settle debt : ‫ﺗﺴﻮﻳﺔ ﺍﻟﺪﻳﻮﻥ‬
To overcome the deficit : ‫ﺗﺠﺎﻭﺯ ﺍﻟﻌﺠﺰ‬
Reduce, cut : ‫ ﻗﻄﻊ‬، ‫ﺗﻘﻠﻴﻞ‬
Interest rate :‫ﺳﻌﺮ ﺍﻟﻔﺎﺋﺪﺓ‬
Interest : ‫ﺍﻟﻔﺎﺋﺪﺓ‬
Rescheduling insolvents debts : ‫ﺍﻋﺎﺩﺓ ﺟﺪﻭﻟﺔ ﺩﻳﻮﻥ ﺍﻟﻤﻌﺴﺮﻳﻦ‬
Agriculture Credit and Development Bank : ‫ﺑﻨﻚ ﺍﻟﺘﻨﻤﻴﺔ ﺍﻟﺰﺭﺍﻋﻲ‬

Translation
23 ‫ ﺍﻟﺤﻜﻮﻣﺔ ﺗﺪﻓﻊ‬.1
‫ﻣﻠﻴﺎﺭ ﺟﻨﻴﻪ ﻣﺼﺮﻱ ﻗﻴﻤﺔ ﺩﻳﻮﻥ ﺍﻟﻤﻮﺭﺩﻳﻦ ﻭﺍﻟﻤﻘﺎﻭﻟﻴﻦ‬
Government pays L.E. 23 bn worth off debts to suppliers and contractors
‫ﻣﻠﻴﻮﻥ ﺩﻭﻻﺭ ﻟﺴﺪ ﺍﻟﻌﺠﺰ ﻓﻲ ﺍﻟﻨﻘﺪ ﺍﻷﺟﻨﺒﻲ‬ 200 ‫ ﺗﺨﺼﻴﺺ‬.2
200 M USD allocated to bridge over the deficit in foreign exchange
‫ ﻣﻠﻴﺎﺭ ﺟﻨﻴﻪ ﻣﺼﺮﻱ ﻟﻼﺳﺘﺜﻤﺎﺭﺍﺕ ﻻﻋﺎﺩﺓ ﻫﻴﻜﻠﺔ ﺍﻟﺪﻳﻮﻥ ﻭﺍﻟﻤﻤﺘﻠﻜﺎﺕ‬٤٠ ‫ﻗﻴﻤﺔ‬ .3
L.E. 40 bn worth of extra investments to debts and property restructure
 ‫ﺍﻋﺎﺩﺓ ﺟﺪﻭﻟﺔ ﺩﻳﻮﻥ ﺍﻟﻤﻌﺴﺮﻳﻦ‬ .4
Rescheduling insolvents debts Insolvent debts rescheduling
‫ﺑﺪﺃﺕ ﺍﻟﺸﺮﻛﺔ ﺑﺎﻻﻧﻬﻴﺎﺭ ﺣﺘﻰ ﺍﺗﻰ ﺭﺟﻞ ﺍﻋﻤﺎﻝ ﻣﺒﺘﻜﺮ ﻭﻗﺮﺭ ﺍﺧﺬ ﺍﻟﻤﺨﺎﻃﺮﺓ ﺑﺈﻧﻘﺎﺫ ﺍﻟﺸﺮﻛﺔ‬ 5.
The company started as a lame duck that was saved by an innovative
entrepreneur who decided to take some risks and go in a new direction.
‫ﺍﻏﻠﺐ ﺍﻟﺸﺮﻛﺎﺕ ﺗﻘﺘﺮﺽ ﺍﻻﻣﻮﺍﻝ ﻋﻠﻰ ﻓﺘﺮﺍﺕ ﻃﻮﻳﻠﺔ‬ 6.
Most companies borrow funds on a long-term
Inflation Rate: .‫ﻧﺴﺒﺔ ﺍﻟﺘﻀﺨﻢ‬
Income statement : ‫ﺑﻴﺎﻧﺎﺕ ﺍﻟﺪﺧﻞ‬
Auditors : ‫ﻣﺪﻗﻘﻲ ﺍﻟﺤﺴﺎﺑﺎﺕ‬
Auditing : ‫ﺍﻟﺘﺪﻗﻴﻖ‬
Financial statement : ‫ﺍﻟﺒﻴﺎﻧﺎﺕ ﺍﻟﻤﺎﻟﻴﺔ‬
Books, records : ‫ﺍﻟﻜﺘﺐ ﻭﺍﻟﺴﺠﻼﺕ‬
Related to : ‫ﺫﺍﺕ ﻋﻼﻗﺔ ﺏ‬
Book keeping : ‫ﺣﻔﻆ ﺍﻟﺤﺴﺎﺑﺎﺕ‬
Book keeper :‫ﺍﻟﻤﺤﺎﺳﺐ‬
Long-term assets : ‫ﺍﻟﺤﺼﻮﻝ ﻃﻮﻳﻠﺔ ﺍﻻﺟﺮ‬
Fixed assets : ‫ﺍﻟﺤﺼﻮﻝ ﺍﻟﺜﺎﺑﺘﺔ‬
Inventory/stock : ‫ﺍﻟﺠﺮﺩ‬، ‫ﺍﻟﻤﺨﺰﻭﻥ‬
Row material : ‫ﺍﻟﻤﻮﺍﺩ ﺍﻟﺨﺎﻡ‬
under manufacturing goods : ‫ﻣﻨﺘﺠﺎﺕ ﺗﺤﺖ ﺍﻟﺘﺼﻨﻴﻊ‬
Goods purchased for sale : ‫ﺑﻀﺎﺋﻊ ﻣﺸﺘﺮﺍﻩ ﻟﻠﺒﻴﻊ‬
Purchasing power : ‫ﺍﻟﻘﻮﺓ ﺍﻟﺸﺮﺍﺋﻴﺔ‬
Allocate : ‫ﺗﺨﺼﻴﺺ‬
A stagnant market : ‫ﺭﻛﻮﺩ ﺍﻟﺴﻮﻕ‬
Cut jobs : ‫ﻓﺼﻞ ﺍﻟﻤﻮﻇﻔﻴﻦ‬
Pay freeze : ‫ﺗﺠﻤﻴﺪ ﺍﻟﻤﺪﻓﻮﻋﺎﺕ‬
Rebound : ‫ﺍﻻﻧﺘﻌﺎﺵ‬
Hike interest rate : ‫ﺭﻓﻊ ﺳﻌﺮ ﺍﻟﻔﺎﺋﺪﺓ‬
International Monetary Fund IMF : ‫ﺻﻨﺪﻭﻕ ﺍﻟﻨﻘﺪ ﺍﻟﺪﻭﻟﻲ‬
‫ﺍﻻﻧﺪﻣﺎﺝ ‪Merge to :‬‬
‫ﻓﻮﻕ ‪ ١٦‬ﺳﻨﺔ ‪Over 16 years :‬‬
‫ﺍﻻﻗﺘﺼﺎﺩ ‪Economics :‬‬
‫ﺍﻗﺘﺼﺎﺩ ‪Economy :‬‬
‫ﺍﻟﻘﻮﺍﻋﺪ ‪Bases (always plural :‬‬
‫ﻳﺨﺎﻟﻒ ﻳﻘﺎﺑﻞ ‪Run counter to, Juxtapose to :‬‬
‫ﻣﺼﻴﺒﺔ ‪Crisis :‬‬
‫ﺍﻻﺯﻣﺎﺕ‪Crises :‬‬
‫ﺗﻮﺍﺯﻥ ‪Equilibrium :‬‬
‫ﺯﻳﺎﺩﺓ ﺗﺮﺗﻴﺐ ﺍﺭﺗﻔﺎﻉ ﺗﺠﻬﻴﺰ ‪Increasing, augmentation, rise, step up :‬‬
‫ﺩﻓﻌﺎﺕ ‪Payments :‬‬
‫ﺩﺍﺋﻢ ‪ ،‬ﺻﻠﺐ ‪Permanent, durable:‬‬
‫ﺳﻌﺮ ﺻﺮﻑ ﺍﻟﻌﻤﻠﺔ ‪Exchange rate :‬‬
‫ﺯﺍﺩﺓ ﻧﺴﺒﺔ ﺍﻟﺘﻀﺨﻢ ‪Inflation rate has increased by 2% : ٪٢‬‬
‫ﺷﺮﻛﺔ ﺫﺍﺕ ﻣﺴﺆﻭﻟﻴﺔ ﻣﺤﺪﻭﺩﺓ ‪LLC:‬‬
‫ﺿﺮﻳﺒﺔ ﺍﻟﻘﻴﻤﺔ ﺍﻟﻤﻀﺎﻓﺔ ‪VAT:‬‬
‫ﻋﻼﻣﺔ ﺗﺠﺎﺭﻳﺔ ‪TM:‬‬
‫ﻓﻲ ﺍﺳﺮﻉ ﻭﻗﺖ ﻣﻤﻜﻦ ‪ASAP:‬‬
‫ﺍﻟﻨﺎﺗﺞ ﺍﻟﻘﻮﻣﻲ ﺍﻻﺟﻤﺎﻟﻲ ‪GNP:‬‬
‫ﻗﺴﻢ ﺍﻟﻌﻼﻗﺎﺕ ﺍﻟﻌﺎﻣﺔ ‪PR Dept.‬‬
‫ﺍﻟﺮﺋﻴﺲ ﺍﻟﺘﻨﻔﻴﺬﻱ ‪CEO:‬‬
‫ﺍﻟﻤﻮﺍﺭﺩ ﺍﻟﺒﺸﺮﻳﺔ ‪HR:‬‬
‫ﺻﻨﺪﻭﻕ ﺍﻻﺳﺘﺜﻤﺎﺭﺍﺕ ﺍﻟﻌﺎﻣﺔ ‪PIF:‬‬
‫ﻣﺆﺳﺴﺔ ﺍﻟﻨﻘﺪ ﺍﻟﻌﺮﺑﻲ ﺍﻟﺴﻌﻮﺩﻱ ‪SAMA:‬‬
‫ﺑﻨﻚ ﺍﻟﺘﺴﻠﻴﻒ ﻭﺍﻻﺩﺧﺎﺭ ‪SCB:‬‬
‫ﺍﻟﻨﺎﺗﺞ ﺍﻟﻤﺤﻠﻲ ﺍﻻﺟﻤﺎﻟﻲ ‪GDP:‬‬
‫ﺍﻟﻤﺪﻳﺮ ﺍﻟﻤﺎﻟﻲ ‪CFO:‬‬
‫ﻛﺒﻴﺮ ﻣﺴﺆﻭﻟﻲ ﺍﻟﺘﺴﻮﻳﻖ ‪CMO:‬‬
‫ﻣﺪﻳﺮ ﺍﻟﻌﻤﻠﻴﺎﺕ ‪COO:‬‬
‫ﺍﻟﻮﻗﺖ ﺍﻟﻤﺘﻮﻗﻊ ﻟﻠﻮﺻﻮﻝ ‪ETA:‬‬
‫ﻣﻌﻠﻮﻣﺎﺕ ﻟﻚ ﺷﺨﺼﻴﺎ ‪FYI: for your information‬‬
‫ﻟﻠﻤﻌﻠﻮﻣﻴﻪ‬
‫ﺍﻟﻤﻘﺮ ﺍﻟﺮﺋﻴﺴﻲ ‪HQ:‬‬
‫ﻣﺆﺷﺮﺍﻷﺩﺍﺀ ﺍﻟﺮﺋﻴﺴﻲ‪KPI: key performance indicators. .‬‬
‫ﻣﺪﻳﺮ ﺍﻻﻧﺘﺎﺝ ‪PM:‬‬
‫ﺧﻄﺔ ﺇﺩﺍﺭﺓ ﺍﻟﻤﺨﺎﻃﺮ ‪RMP:‬‬
‫ﺿﻤﺎﻥ ﺍﻟﺠﻮﺩﺓ ‪QA:‬‬
‫ﺍﻟﺘﻘﺪﻳﺮ ‪Appreciate:‬‬
‫‪Balance:‬ﺭﺻﻴﺪ‬
‫ﺍﻟﻔﺎﺋﺪﺓ‪Interest:‬‬
‫ﺍﻟﻤﻮﻗﻒ ‪Standing:‬‬
‫ﻣﻤﻴﺰ ‪Outstanding:‬‬
* SAMA PERMITS NEW FINTECH COMPANIES TO LAUNCH OPEN BANKING AND
PEER-TO-PEER LENDING PLATFORMS

The Saudi Central Bank (SAMA) permitted three new FinTech startups to test their
innovative solutions in SAMA's regulatory sandbox. “XSquare" and “NeotTek" are
authorized to launch an Open Banking platform, and “MoneyMoon" is authorized
.to launch a peer-to-peer lending platform
With these additions, the total number of FinTech companies currently operating
under SAMA's Regulatory Sandbox increased to 19. Since its launch in 2018,
SAMA's Regulatory Sandbox has permitted 50 FinTechs to test and refine their
.offerings in a controlled environment
This trend underscores SAMA's continued efforts in developing the Saudi FinTech
sector and its commitment to promoting financial inclusion and innovation.
‫‪.‬‬

‫ﻧﻤﻮ ﺇﺟﻤﺎﻟﻲ ﺃﺻﻮﻝ ﻗﻄﺎﻉ ﺷﺮﻛﺎﺕ ﺍﻟﺘﻤﻮﻳﻞ ﻓﻲ ﺍﻟﻤﻤﻠﻜﺔ ﺧﻼﻝ‬ ‫ﺍﻟﺒﻨﻚ ﺍﻟﻤﺮﻛﺰﻱ ﺍﻟﺴﻌﻮﺩﻱ‪%13 :‬‬ ‫‪‬‬
‫ﻋﺎﻡ ‪2023‬ﻡ‬

‫" "‬
‫ﺃﺻﺪﺭ ﺍﻟﺒﻨﻚ ﺍﻟﻤﺮﻛﺰﻱ ﺍﻟﺴﻌﻮﺩﻱ ﺳﺎﻣﺎ ﺗﻘﺮﻳﺮ ﺍﻷﺩﺍﺀ ﺍﻟﺴﻨﻮﻱ ﻟﻘﻄﺎﻉ ﺷﺮﻛﺎﺕ ﺍﻟﺘﻤﻮﻳﻞ ﻭﺇﻋﺎﺩﺓ ﺍﻟﺘﻤﻮﻳﻞ‬
‫ﻡ‪ ،‬ﺣﻴﺚ ﺍﺭﺗﻔﻊ‬ ‫‪2023‬‬ ‫‪2023‬‬
‫ﻡ‪ ،‬ﻭ ُﻳﺒﺮﺯ ﺍﻟﺘﻘﺮﻳﺮ ﺗﻄﻮﺭﺍﺕ ﺍﻟﻘﻄﺎﻉ ﻭﻧﺘﺎﺋﺠﻪ ﺍﻟﻤﺎﻟﻴﺔ ﺧﻼﻝ ﺍﻟﻌﺎﻡ‬ ‫ﺍﻟﻌﻘﺎﺭﻱ ﻟﻠﻌﺎﻡ‬
‫ﻣﻠﻴﺎﺭ ﺭﻳﺎﻝ‪ ،‬ﻓﻴﻤﺎ ﺑﻠﻎ ﺻﺎﻓﻲ‬ ‫‪15.5‬‬‫ﻟﻴﺼﻞ ﺇﻟﻰ‬ ‫‪%6‬‬ ‫ﺭﺃﺱ ﺍﻟﻤﺎﻝ ﺍﻟﻤﺠﻤﻊ ﻟﻘﻄﺎﻉ ﺷﺮﻛﺎﺕ ﺍﻟﺘﻤﻮﻳﻞ ﺑﻤﺎ ﻳﻘﺎﺭﺏ‬
‫‪.‬‬ ‫‪1.7‬‬
‫ﻣﻠﻴﺎﺭ ﺭﻳﺎﻝ‬ ‫ﺍﻟﺮﺑﺢ ﺍﻟﻤﺠﻤﻊ‬

‫ﻣﻠﻴﺎﺭ‬‫‪64.2‬‬‫ﻟﻴﺼﻞ ﺇﻟﻰ‬ ‫‪%13‬‬

‫ﻭﺷﻜﻠﺖ ﺍﻟﺘﻤﻮﻳﻼﺕ ﺍﻟﻤﻤﻨﻮﺣﺔ ﻟﻘﻄﺎﻉ ﺍﻷﻓﺮﺍﺩ ﺍﻟﺠﺰﺀ ﺍﻷﻛﺒﺮ ﻣﻦ ﺇﺟﻤﺎﻟﻲ ﺻﺎﻓﻲ ﺍﻟﻤﺤﻔﻈﺔ ﺍﻟﺘﻤﻮﻳﻠﻴﺔ ﺑﻨﺴﺒﺔ‬
‫‪ ،77%‬ﻓﻴﻤﺎ ﺑﻠﻐﺖ ﺍﻟﺘﻤﻮﻳﻼﺕ ﺍﻟﻤﻤﻨﻮﺣﺔ ﻟﻘﻄﺎﻉ ﺍﻟﻤﻨﺸﺂﺕ ﺍﻟﺼﻐﻴﺮﺓ ﻭﺍﻟﻤﺘﻮﺳﻄﺔ ﻭﻣﺘﻨﺎﻫﻴﺔ ﺍﻟﺼﻐﺮ ﻧﺴﺒﺔ ‪%20‬‬
‫‪ ،‬ﻭﻗﻄﺎﻉ ﺍﻟﺸﺮﻛﺎﺕ ‪ .%3‬ﻛﺬﻟﻚ ﺗﺠﺎﻭﺯ ﻋﺪﺩ ﺍﻟﻌﺎﻣﻠﻴﻦ ﻓﻲ ﻗﻄﺎﻉ ﺷﺮﻛﺎﺕ ﺍﻟﺘﻤﻮﻳﻞ ‪ 6,000‬ﻣﻮﻇﻒ ﻭﻣﻮﻇﻔﺔ‬
‫ﻣﻨﻬﻢ ‪ %86‬ﺳﻌﻮﺩﻳﻮﻥ ﺑﻨﻬﺎﻳﺔ ﻋﺎﻡ ‪2023‬ﻡ‪.‬‬