8/21/2019 Creating an Enabling Environment for the WE3 - Reforms Agenda for the Banking Industry by Sultan Tiwana

1/11

T E J H T L ^ G A E M @ G J H T P F E D G M K I M A I M @ U ^ P T Y

@ H M H P R U ^ F P F E T E C U N PG M P D G M K E T

NTEGPIMA GM EMGDCIMA

EMZITHMLEMP JHT PFE QE>

RTE^EMPE@ DY?

^UCPGM PIQGMG

8/21/2019 Creating an Enabling Environment for the WE3 - Reforms Agenda for the Banking Industry by Sultan Tiwana

2/11

DGNK ATHUM@

Gnness th Jimgmne jhr Qhlem Emtrepremeurs

7990- 99? Dgmk hj Kfyder; Jimgmnima 74222 nciemts, gpprhx. 42%whlem, Lgmgaelemt g`vise jhr nciemt’s ngpgnity mee`s, ImjhrlgcDusimess g`vise gm` mh D@^.

7999- 70? ^LE@G; 62,222 Nciemts, Cess tfgm 75% QEs Lgmgaelemt& Dusimess G`vise, ngpgnity duic`ima gm` D@^ Jgnicitgtihm, wfereD@^ hm Jee dgsis.

4226- 70? Turgc Emterprise @evechplemt (GFGM) Gpprhx. 72,222emtrepremeurs, 02% QEs. Ngpgnity duic`ima gm` prh`untilprhvelemt. Mh Dusimess g`vise, D@^ hr Jimgmnima

4277- 74? Turgc Emterprise @evechplemt (UM@R-ET) Gpprhx. 74,22emtrepremeurs, 02% QEs. Argmts jhr Ngpgnity duic`ima gm` ^ee`Ngpitgc witf Dusimess g`vise gm` D@^

4270- Nhmt? Rrile Limister’s Imterest Jree Chgm Rrhargl; 7,222,22Rrhphse`, 52% hj QEs, Mh imterest nfgrae Jimgmnima. Ngpgnity

Duic`ima, imjhrlgc Dusimess g`vise gm` D@^ gssistgmne.

8/21/2019 Creating an Enabling Environment for the WE3 - Reforms Agenda for the Banking Industry by Sultan Tiwana

3/11

NHLRGTGPIZE G^^E^^LEMP HJ

QHLEM RHTPJHCIH-(++)

DhK Jum`ima (Rfgse I)

RKT :22 L- 74,222Demejinigry

Lgrkup dgse`

Le` Perl Chgm

Qegk D@^ ( ^ilpce G`vishry)

Nhllumity’s shnigc nhccgtergc 

96.0% renhvery

RLIJC Jum`ima (Rfgse II)

RKT >.5 D- 2.7 LDemejinigries

Imterest Jree

^fhrt Perl Chgms

Dusimess pcgms & D@^

MAHs supphrte`

96% augrgmtee`

42 yegrs

gpgrt

Qfgt `i` we cegrm8 Rru`emne gm` Tecigdicity gre Jhum`gtihms hj g aregt (Jimgmnigc) recgtihmsfip& Qhlem Hutsnhre

8/21/2019 Creating an Enabling Environment for the WE3 - Reforms Agenda for the Banking Industry by Sultan Tiwana

4/11

^unnessjucQhlem

Emtrepremeur

Imtemtihmhr MEE@

DusimessI`eg

Teshurne &sphmshr

Gssesslemt

AgpGmgcysis

Imjhrlgtihmshurnes

^kiccsPrgimima

PenfmingcGssistgmne

& D@^

Argmt &hr EquityJum`ima

Emterprise @evechplemt Nynce

8/21/2019 Creating an Enabling Environment for the WE3 - Reforms Agenda for the Banking Industry by Sultan Tiwana

5/11

LGRRIMA PFE THUPE PH

^UNNE^^… 

Imitigc aui`gmne,dusimess pcgm,

tenfmhchay

secentihm, imitigc

imvestlemt gm`

equity Jimgmnima

stgrtup

gssistgmne,

Rrh`unt

`evechplemt,

`istridutihm gm`Lgrket g`vine,

D@^, ̂ tgae-IGmaec Jimgmnima

ImvemthryLgmgaelemt,Hpergtihmsejjiniemny gm`prh`untivity,

^tgae-II

whrkimangpitgc

Jimgmnima 

Expgmsihm

pcgmmima,^tgae-IIIRrhoentJimgmnima 

Emterprise

Arhwtf

^tgrtup

^unnessjuc

Emtrepremeur

8/21/2019 Creating an Enabling Environment for the WE3 - Reforms Agenda for the Banking Industry by Sultan Tiwana

6/11

QE> MEE@ LHTE RCGMMIMA &

NGRGNIPY

Mew Emtrepremeurs mee` Lemthrs

^tgrtups mee` Dusimess nhumsechrs, G`vishrs gm` D@^

Dejhre Jimgmnima tfey require Ngpgnity duic`ima gm` Argmt Jum`ima

Dejhre Jimgmnima tfey sfhuc` de im Lgrket… 

Mew Emtrepremeur requires g supphrt systel th survive tfe

umexpente` sfhnks.

Dgmk Jimgmnima is egsier witf Nre`it Augrgmtee dgnke` dy shnigc

nhccgtergc.

8/21/2019 Creating an Enabling Environment for the WE3 - Reforms Agenda for the Banking Industry by Sultan Tiwana

7/11

FIETGTNFY HJ MEE@^

Lgrket

`evechplemt,

^hurnima gm`

T-nhlpcigmne 

Jimgmnima Jgnicitgtihm &D@^

Ngpitgc- Equity gm` Argmts nhmtridutihms

Dusimess Rcgm, Penfmingc gssistgmne, Ngpgnity duic`ima

gm` ^tgrt up jgnicitgtihm 

^unness is hm

g cg``er

8/21/2019 Creating an Enabling Environment for the WE3 - Reforms Agenda for the Banking Industry by Sultan Tiwana

8/11

IMZE^PLEMP Z^. ATGMP

TI^K Z^. TEQGT@Tisk Jimgmnima

Imvestlemt Imnhle Arhwtf

Argmt Imnhle Arhwtf

 T E  Q G  T @   T

   I   ^   K 

8/21/2019 Creating an Enabling Environment for the WE3 - Reforms Agenda for the Banking Industry by Sultan Tiwana

9/11

–Kmhw wfgt yhu fgve gm` wfgt yhu mee` …“ 

Hutshurnima

D@^

^gvimas

LGMGAE YHUT IMZE^PLEMP-

IM ^PGTPUR RFG^E

^gvimas

• Rrilgry shurnes

• Uticise ngrejuccy

Dusimess@evechplemt

• Emsure yhu greaemergtima emhuafimnhle th pgy D@^

Hutshurnima

• Imvest gm` gpprenigtengpitgc hver tile

• Emsure pgylemts jhr H^

Rcgm th

Lgmgae Yhur

Dusimess

8/21/2019 Creating an Enabling Environment for the WE3 - Reforms Agenda for the Banking Industry by Sultan Tiwana

10/11

TEG@Y PH LHZE QE>

Pgck th Nhllumity/ Gsshnigtihm gm` jim` g lemthr

Emagae g dusimess G`vishr hr g nhmsuctgmt

Gssess wfgt imvestlemt requirelemt ngm yhu hutshurne…

Emagae Dusimess @evechplemt ̂ ervines

Zisit g Dgmker & ^tgrt recgtihmsfip Mhw, jhr Juture rejeremne

Dgmkers cike recgtihmsfips gm`

hjjer detter g`vise th tfeir nciemts.

8/21/2019 Creating an Enabling Environment for the WE3 - Reforms Agenda for the Banking Industry by Sultan Tiwana

11/11

JHUT ^PER^ PH DEIMA ^LGTP DGMKET

–^LGTP DGMKET^ RTHLHPE RTU@EMP DU^IME^^E^“ 

Jelgce stgjj emagae Qhlem dhrrhwers lhre ejjiniemtcy.

Tenhllem` Dusimess G`vishrs th QEs jhr Tecigdce, Ejjiniemt & Enhmhlingc

^ervines.

(Qhlem Dusimess G`vishrs & Nhmsuctgmts fgve detter imsiaft gm` imtuitihm imQEs. Fecp QEs Gnness (pgrtigc) D@^ jum`ima, –It fgs deem `hme“) 

Aet Pfir` Rgrty Evgcugtihms, –Prust le,DG^IC III Tenhllem`s it “.