business intelligence and credit assessment

Business Analysis

1. Member of the SQUARE Group, a leading financial technology company in Nigeria. Focus on SME/Vendor finance Strategic Initiatives for Growth : Aim for 30% Y-O-Y growth aligned with positive economic outlook. Emphasis on innovative solutions in underwriting, credit, risk, and business enterprise services. Introduction: BIG HQ and SQUARE Group

2. Identifying viable investment opportunities in line with business objectives Identify the optimum financing mix, while considering the current macro-economic environment, investor expectations and management objectives. Advice on debt structuring to reduce business exposure to interest rate risk, liquidity and optimum debt level considering business scale and earning potentials Advice on earnings management in line management objectives, investors expectations and macro-economic trajectory. Corporate Finance and ALM manager’s Strategies On Optimal Corporate Finance And Debt Management

3. Estimate business liquidity requirement and plan to mitigate short term exposure Establish control over asset and liability to avoid ALM mismatch to protect liquidity Implement interest rate and foreign exchange hedging strategies to mitigate exposure Source partners who identifies with the business objective and propose a partnership that is of mutual benefit. Establish control over liquidity by designing a dashboard that reflect risk and proactive measure in resolving business liquidity requirement Designing a dashboard that reflect FX and interest risk exposure and proactive measures in mitigating possible loss accruing from such risk Designing a teaser to present the business to potential client and partners at industrial event Providing strategic leadership on liquidity, risk and financing & building a profile for squares for presentation at industrial event

4. Cadbury Nigeria Plc’s Financials FY23: Cadbury Nigeria was incorporated in 1965 , with its market focus in sugar confectionery, gum and food beverages with strong market shares across all three categories. Liquidity Current ratio: 0.658 -46% Quick ratio: 0.468 -45% Debt to revenue: 0.876 4% Debt to Equity ratio: - 4.672 234 % Solvency Profitability Gross Margin: 22.14 % 58% Operating Profit Margin: 10.45% 2,885.71 % Net Profit Margin: -34.41% -134% Interest coverage ratio: 0.194 times 2285%

5. Opportunities with Cadbury Working Capital financing: Provide services to improve Liquidity, such as optimizing inventory management & enhancing receivables collections Opportunities within the Overall Economy Focus on the strategic sector of the economy as such: Food Energy Housing Transport Extract from CPI statistics for FEB 2024 from NBS shows Year on Year Growth of inflation in the identified sectors, which signal a supply deficit in these sector, a possible opportunity for BIG HQ to consider SMEs Business within the sector for profitable financial product and services innovations within its strategic business focus for the year 2024. Opportunities for BIG HQ with Cadbury Nigeria Plc and the overall Economy