THE GROWTH PARADIGM PARTNERSHIP

Unfulfilled Fintech Promise on SME Funding

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Making Growth Happen

SME Funding: The Promise of USD 480 billion

untapped revenue pools

About us

What

sets us

apart

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• SME’s contribute 40 to 65% of a country’s GDP and 55% to

80% of employment opportunities

• USD 1.6 trillion global SME financing / funding gap*

• USD 700 billion funding gap in Asia, Rest of world 900 billion

• USD 70 billion UNTAPPED revenue pools in Asia

• USD 200 billion revenue pools with cross sell in Asia**

• USD 280 billion revenue pools across Rest of the World

* ADB estimates ** GPP estimates

Making Growth Happen

The Global SME Funding Gap

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For the Formal SME Sector the Credit Gap Stands at $0.9-1.1 Trillion

World Bank https://www.worldbank.org/en/topic/financialsector/brief/smes-finance

Making Growth Happen

Financing solutions across the Supply Chain

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The products highlighted in red represent significant revenue opportunities as customer requirements are partially or not met at all.

Financial Supply Chain

Distributor/ Dealer Financing

• Pre-shipment Finance

• Working Capital Financing

• Receivable Financing

• Factoring

Containers loaded

Factory

Containers are loaded on ship

Port of Loading-Terminal

Final delivery

Warehouse

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ase

Ord

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Shipment

Vessel at sea Containers are off-loaded

Port of Discharge-Terminal

Flow of Goods, Information and Funds

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Shipment process

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Bill

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Physical Supply Chain and the Financial Supply chain are closely integrated

Physical Supply Chain

Pro

du

ct s

ales

(Do

mes

tic/

Exp

ort

s)

Reverse Factoring

Inventory Financing

Seller/Supplier Buyer

Source: The Growth Paradigm Partnership

Making Growth Happen

Digital Trade Finance Landscape: The Collaborators

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Commercialisation and Monetisation still remains a big challenge

Digital

Trade

and SCF

Solutions

Source: The Growth Paradigm Partnership

Electronic Presentation of Export Letters of Credit & Doc. Collect

Electronic Bill of LadingRisk Mitigation in Open Account Space

BPO

Multibank Connectivity

Multibank Connectivity

MT 798

Supply Chain Finance Solutions

Cumulative Annual volumes on the fintechs / technology companies willing to partner with banks remain less than USD 750 billion dollars per annum

Making Growth Happen

Supply Chain: Fintech Landscape - The Disruptors

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Cumulative Annual volumes in the Lending space of Fintechs trying to disrupt banks remain less than USD 50 billion dollars per annum. These firms would like to disintermediate and replace banks

Source: The Growth Paradigm Partnership

Solution Area

Solution Providers

• USA: Ondeck,

LendingClub, Prosper,

Kabbage, Lufax China,

Lendbox India

P2P

Lending

• UK: Funding Circle,

iwoca, IndiaLends,

Capitalfloat India

SME

Lending

• Market Invoice,

Fundbox, Novicap

Invoice

Financing

Making Growth Happen

Limited Sphere of influence of the digital SCF and

Fintech companies *

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Source: The Growth Paradigm Partnership

* Cumulative Volumes across Collaborators and Disruptors

4%

96%

3.6% of the World Global Trade in Goods and Services

( 750 billion in 21 trillion)

2%

98%

1.6% of Micro & Small Medium Enterprises

(2 million / 125 million)

2%

98%

2% of Banks(200 / 10,000)

2%

98%

2.5% of large corporate (5000 / 200,000)

Scalability???

Making Growth Happen

The GPP Recommendations :

Being on top of the 4C’s

About us

What

sets us

apart

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• Accessing USD 2 billion of revenues , which translates into capturing a

mere 0.5 % of the global revenue pools requires a different approach from

the conventional thinking of today . Key constructs include :

• Credit: Moving away from traditional credit assessment from balance sheet

and income statements to deconstructing and reconstructing a SME’s

financial credit worthiness through transactional and operational risk

models.

• Compliance: Getting a cost effective robust compliance framework

through artificial intelligence, web scraping , predictive analytics frameworks

• Capital Accessing deep pool of capitals from the BUY side including

institutional investors, asset managers, non banking financial institutions

and family wealth offices.

• Clients: Broadening the origination ecosystem through partnering with

banks , insurance companies , NBFC and wealth management clients of

financial institutions. Simplifying ease of access and transacting for client’s

on bank and fintech platforms

The Growth Paradigm Partnership

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Why GPP

Founder Profile – Anand Pande

Geographical Impact & Sphere of Influence Contact Details

Making Growth Happen

Direct experience of our teams to help clients achieve a

paradigm shift in operational excellence, revenue build-

outs sometimes with minimal investments and driving

balanced growth.

Depth and breadth of experience of our teams enables to

translate strategy into real results.

Simple Approach : Flexible delivery models that will be

tailored to your needs.

THE GROWTH PARADIGM PARTNERSHIP

The Growth Paradigm Partnership focuses on helping

clients achieve sustainable growth in the areas of banking,

offshoring and working with portfolio companies of private

equity firms.

About us

What

sets us

apart

What

sets us

apart

- 10 -

Making Growth Happen

FOUNDER PROFILE - ANAND PANDE

Proven track record in:

• Growing businesses

• Turn-around management

• Building new businesses from scratch

• Using Technology, Operations, Delivery and Servicing across all assignments as key

differentiators

• Nurturing and Developing Local Talent. ( India, China, Indonesia, Singapore)

Awarded the Asset Asian Trade Finance Banker of the Year Award – 2013

Speaker / Moderator : Doha Forum, iGTB-Oxford School of Transaction Banking, BAFT, SIBOS,

ICC , The Asset Treasury Summit , Corporate Treasurer Events, Industry Banking Conferences

Harvard Business School:

• Inaugural program on Behavioural Economics: Designing Strategic Solutions for your

Customers and Organisations

• Program on Changing the Game in Negotiations and Decision Making

• 25 years of experience in global banking - Citi,

Royal Bank of Scotland & ANZ

• Group CEO of a private equity backed capital markets outsourcing company

• Worked in U.K, India, China, Malaysia, Hong Kong, Indonesia and Singapore

• Customer engagement spans across Asia, Europe and North America

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Making Growth Happen

GEOGRAPHICAL IMPACT & SPHERE OF INFLUENCE

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Sweden

UK

Netherlands

Belgium

GermanySwitzerland

France

Spain

Denmark

Poland

Czech RepublicAustria

Italy

Turkey

Greece

UAE

USA

Russia

China

Malaysia

Singapore

Indonesia

Philippines

Kazakhstan

Hong Kong

Japan

Korea

Sri Lanka

India

Australia

VietnamThailand

Bangladesh

Managed Local Team

Worked-In

Business Responsibility

Costa Rica

CONTACT DETAILS

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