Sure thing, let's get straight to it. We start with 103 and we're going to multiply it by 12, which means adding 103 to itself 12 times.
Step 1: 0 + 103 = 103
Step 2: 103 + 103 = 206
Step 3: 206 + 103 = 309
Step 4: 309 + 103 = 412
Step 5: 412 + 103 = 515
Step 6: 515 + 103 = 618
Step 7: 618 + 103 = 721
Step 8: 721 + 103 = 824
Step 9: 824 + 103 = 927
Step 10: 927 + 103 = 1030
Step 11: 1030 + 103 = 1133
Step 12: 1133 + 103 = 1236

So, 103*12 = 1236