The Precious Commodity of Cash

I originally presented this material for the In Touch In Business “MOJO Boost Your

Business Seminars” during September 2009. The material became the ‘template’

for presenting and scenario planning with my Client base.

My name is Gavin Holden and I am committed to the sustainable economic and

social development of Queensland. I am an innovative businessman with a track

record for delivering solutions to complex technical and commercial issues.

Over the past 5-years I have worked with the majority of the Region’s leading

company’s and institutions – through the good times and the bad! I specialise in

business development and restructuring, financial analysis and resource utilisation.

Introduction

A Brief History of Everything

What Changed & Why Does that Impact Me?

A Brave New Business World

Maximise the Probability of a Smooth Passage

A Brief History of Everything

The Banking System Depositors Money is re-Allocated to Borrowers for Various Purposes

About 60% of Borrowings are Funded Through Deposits

Banks ‘Top-up’ By Borrowing in the Wholesale Money Markets

The Credit Crunch Banks Became Wary of Lending to Each Other

Decrease in Supply of ‘Basic Commodity’ Leads to Increased Costs

The Funding Gap “…money has become a precious and expensive commodity”.

What Changed & Why Does it Impact Me?

Business Confidence Instability & Uncertainty is Not Good for Business

Risk Management Review of Lending Policy & Industry Segments

Closer Scrutiny of Existing Loans & New to Bank Applications

Access to Capital Tightened Criteria for Managing ‘Precious Commodity’

Capital Allocation to Worthy Long-term Transactions

A Brave New Business World

Balancing Supply with Demand Major Push by Banks for Deposit Funds & Whole of Bank Relationships

Preparation & Planning Understand What Your Business Finance Requirements Are

Be Prepared to Work Together & Solve Problems That Arise

Ongoing & Tighter Review Implement an Open & Honest Dialogue with Partners

Develop Systems to Ensure Information Can Be Shared Easily

Maximise the Probability of a Smooth Passage

Banking Requirements Have a Clear Understanding of Why You Are Asking for Money

Be Aware of Potential Risks & Work to Identify the Mitigants

Financial Structure This Includes an Overview of Your Corporate Structure

Make Sure Your Financials are Up to Date & In Order (1st Way Out)

Build Some ‘Fat’ Into Your Interest Coverage Plan

The Security Being Offered How Will the Loan (or Shortfall in Lending) Value Be Secured (2nd Way Out)

Preparation & Planning Prevents Poor Results

Thanks for taking the time to review this material – I hope it helps! If you have any

questions regarding this material or the underlying matter of access to capital (in

any way, shape or form), please do not hesitate to get in touch.

Mobile: +61(0)405 221225

Email: gavin_holden@hotmail.com

http://au.linkedin.com/in/gavinholden

Thank-you For Your Time

• This information is current as at 15 September 2009 and is subject to change without notice.

• The information in this presentation is intended as general information only and has been prepared without

taking into account your objectives, financial situations or needs. I recommend you seek independent legal,

tax or financial advice where appropriate. Applications for credit are subject to prevailing credit criteria. Any

Case examples are used for illustrative purposes only.

• I will not guarantee that the information contained in this presentation is accurate or free from errors or

omissions. Fees and charges may be payable. Terms and conditions apply to banking products and solutions,

full details of which are available on request from your Banker.

Gavin Holden

Disclaimer