Business benefits for Buyers’ using BSCF: Additional working capital, cash flow gains and shareholder value added Opportunity to increase payment terms (à better cash position) Increase in sales and enhance supplier relationships Off-balance sheet financing (trade payable, not bank financed) Costs will be taken by suppliers Reduce operational costs due to streamlined processes Business Benefits for suppliers using BSCF: Additional working capital, cash flow gains and shareholder value added Get cash earlier to pay its suppliers Change short-term receivables into liquidity Alternative financing of delivery period Does not affect line of credit Favorable financing/interest rates Opportunity to offer longer payment terms Business Opportunities for the Bank Large market with good growth potential: Supplier finance opportunities exist in multiple sectors, including: Schools, FMGs, Logistics, Hotels, Retail Chains, Health Insurance, Hospitals, Pharmaceuticals, Manufacturing, Security, Petroleum, Airlines Construction, sugar, coffee, fruit, vegetables, and flowers. Improved credit risk: Supporting suppliers to implement best practice and governance standards will enhance risk management, operational efficiency, and increased profitability, reducing financial liabilities the bank. Attractive financing niche: Supplier demand for finance is already there and the involvement of buyers reduces collateral risk, which further enhances the attractiveness of these deals. Improved customer service: Finance is essential to help suppliers produce a better quality product that meets buyer eligibility requirements. Benefits for the Bank come from building competitive supplier businesses, which adds to portfolio returns. Provision of efficiency gains among clients to create growth potential, leading to an expanded need for banking services. Market differentiation: Banks well-acquainted with the specificities of the sustainable supplier market and offering value-adding financial services in this area can extend their market reach in a highly competitive SME market. Increased brand value: The Bank can enjoy the reputational benefits of supporting businesses with high operating standards among policymakers, investors, and customers. Very Profitable: Lending to corporates at a rate more than on traditional lending and at the same time lending to SMEs the bank would otherwise not have lent because of their poor credit quality.