The unofficial stat packs change the parameters of the units: attack, defense, armor, speed etc.. They don't affect anything else, and take effect in Single Player and MP. Their intent is to provide an alternative balance (usually better than 1.02, which has well-known issues that have been hashed to death here).
1.03 is a nice stat. Kas and the Masterless hosted a 2v2 tournament based around it back in the last days of the STW server, and it was successful (Sasaki and Wolf Kansuke won). I don't remember all the details of the stat, but I do remember that it tones down guns, and iirc, makes Mongol units more viable. 1.05 is even better for Mongols. Friends and I would always switch to it when we wanted to have some mongol battles.
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