maat International Group ; Fintech - Ethical Funds. A new strategy for the Project Financing. Santiago Jimenez Barrull

1. MADRID – GENEVA – LONDON -ISTANBUL
maatGroup TradeFinance& Co
A Money Management Firm
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A stand-alone for EXPANSION CAPITAL
“PROJECT FINANCE. The RoadMap.
MADRID – GENEVA – LONDON -ISTANBUL
FOREING TRADING SOLUTIONS ©

2. MADRID – GENEVA – LONDON -ISTANBUL
The FSB defines shadow banking as “credit intermediation involving entities and activities (fully or partly)
outside of the regular banking system”. Some authorities and market participants prefer to use other terms
such as “market-based finance” instead of “shadow banking” using the emerging rode of FINTECH Platforms-
■ Matching Platforms (ie peer-to-peer
lending) provide an online marketplace on
which borrowers applying for loans are
matched with prospective lenders, with the
loan contract typically established between
the borrower and one or more lenders.
■ “Notarised” matching Platforms
operate similar to pure matching platforms
(in that borrowers seeking loans are
matched with potential lenders), but with
the loan originated by a partnering bank (ie
after a bank lends funds, the loan is sold or
assigned to one or more creditors). This
model is particularly popular in jurisdictions
where regulatory constraints prohibit non-
banks from engaging in lending activity.
■ Balance sheet lenders both originate
and retain loans to borrowers using their
own balance sheet assets. In some cases,
these entities securitise the loans they have
made, either directly or with the help of a
bank. Some balance sheet lenders obtain
funding from hedge funds or banks.
Non-bank financing provides a valuable alternative to bank financing and helps support
real economic activity. For many firms and households, it is also a welcome source of
diversification of credit supply, and provides healthy competition for banks. However, if
nonbank financing involves bank-like activities, such as transforming maturity/liquidity and
creating leverage, it can become a source of systemic risk, both directly and through its
interconnectedness with the banking system(1)
The Emergene of Shadow Banking Industry. FINTECH Platforms-
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3. MADRID – GENEVA – LONDON -ISTANBUL
FINTECH Platforms are allowing the change in the trading, clearing and settlement technology will lead to the
creation of uncorrelated clusters of risk through a new generation of DLT-operated liquidity and risk pools that
will compete with CCPs for the clearing and settlement business. And while the platform itself will operate on
the basis of margin requirements including margin variations/calls and a guaranty fund, a so-called treasury,
liquidity management on such a platform may become more efficient than within CCPs.. Assuming network
effects for DLT platforms –New Lending Platforms-, due to higher transparency and lower transactions costs,
deep pools of liquidity would be reallocated.
New Lending Platforms Platforms would be likely to attract relatively more standardised OTC derivatives
contracts,which will be easy and cheap to manage during the lifetime of product and clear,or tailor-made yet
not excessively risky contracts, which the increased transparencyof blockchain systems and the employment of
sophisticated algorithms may makeeasier to price
THE EMERGENCE OF NEW FINANCE PLATFORMS. NEW LENDING SYSTEMS
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4. MADRID – GENEVA – LONDON -ISTANBUL
MAAT FINANCING EFT Investments (MFEFTI)
The ”Ethical Fund Transaction” Investment
MAAT FINANCING EFT Investments -MFEFTI-
MFEFT Investment is exclusively related to the finance of
activities of firms meeting certain social standards.
MFEFTI´s ethical fund might exclude thee securitization of projects for
companies that are known to practice discrimination, that operate in certain
countries, or that produce specific products (for example, those having to do with
nuclear weapons or nuclear powerplants).
MFEFTI invest at least the 25% of its funds in Social and Humanitarian Investments aligning sustainability,
transparency, family and children empowerment, social exclusion.
• Mobilization and allocation of capital through the capital markets.
• Mobilization, safekeeping ,and intermediation of savings into loans by the banking
sector.
• Exchange of financial assets through the capital markets and investment banking.
• Other financial services that facilitate savings, credit, investment, insurance, trade,
andconsumption provided through a range of bank and non-bank actors.
• Domestic resource mobilization and expenditure by governments.
Maat International Group has established a cross-FINTECH Infrastructure to promote the- Digitization of
Finance and Digitalizaction of Finance.
Systemic changes to the financial ecosystem due to digital technologies due to the disintermediation of the
banking and capital market sectors, shifting role of regulators due to cross-border transactions providing a
direct access to a new Financial Ecosystems based onto a network of players intermediaries, regulators,
money managers, risk evaluators, etc.) that interact and provide services in the form of borrowing, lending,
insurance, investment and payments and others.
Maat International Group Lending Platform is adhered to the Sustainable Development Goals (SDGs).
The Sustainable Development Goals (SDGs) to end poverty, protect the planet, and ensure that all people
enjoy peace and prosperity set forth by the United Nations General Assembly in 2015.
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5. MADRID – GENEVA – LONDON -ISTANBUL
Maat International Group is fostering and promoting the pace of digital innovation, in the financial
sector and beyond the following actions:
• Sustainable Development Goals: Maat International Group has as normative reference points for
investments all seventeen goals and, through SDG 13 (Climate Action), includes the goals established
through the Paris Agreement on climate.
• Financing: Maat International Group ‘digital financing’ strategy foster the digitalization in order to to
mobilize, allocate, unlock and redirect financing flows -including investment, lending, payments and
insurance, and diverse functions such as payments systems, intermediation, and asset creation, and
also the related monetary system-.
• Digitalization: Maat International Group encompass the systemic changes to the financial ecosystem
due to digital technologies, which refers to both the increased digitization of finance-related activities,
and the broader, associated changes in business models, products and services, governance, and
resulting changes at the nexus between the financial system and the real economy.
MAAT INTERNATIONAL GROUP EFT INVESTMENTS
Areas and Sectors:
1.- Energy & Environment & Climate Change
2.- Innovation & Technology
3.- Sustainable Smart City Development
4.- Agriculture & Water & Food Value Chain
5.- Inequality Financial Inclusion Projects and Local Economic Development.
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6. MADRID – GENEVA – LONDON -ISTANBUL
LENDING PLATFORM - STRUCTURING A Maat Financing EFT
”Ethical Fund TRANSACTION” Securitization.
FINANCIAL STRUCTURE OVERVIEW
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7. MADRID – GENEVA – LONDON -ISTANBUL
FINANCIAL STRUCTURE OVERVIEW.
MAAT FINANCING EFT Investments (1)
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8. MADRID – GENEVA – LONDON -ISTANBUL
FINANCIAL STRUCTURE OVERVIEW
MAAT FINANCING EFT Investments (2)
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9. MADRID – GENEVA – LONDON -ISTANBUL
STRUCTURING the TRANSACTION
MAAT FINANCING EFT Investments (3)
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10. MADRID – GENEVA – LONDON -ISTANBUL
STRUCTURING A Maat Financing EFT (4)
”Ethical Fund TRANSACTION"
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11. MADRID – GENEVA – LONDON -ISTANBUL
STRUCTURING A Maat Financing EFT (4)
”Ethical Fund TRANSACTION"
FINANCIAL STRUCTURE OVERVIEW
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12. Maat International Group & Trade Financing
Structured Finance Services for Project Financing (1)
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Deposti Certiicates/Promissory
Notes suscribe by the Investor.
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MADRID – GENEVA – LONDON -ISTANBUL

13. Maat International Group & Co.
Structured Finance Services (1)
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Maat International Group
leveraged the collateral provided
with a multiplier of 10x1.
All the issuing of the Bond
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MADRID – GENEVA – LONDON -ISTANBUL

14. Maat International Group & Co.
Structured Finance Services (2)
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Maat Internacional Group
accomplish all the credit and
payment collection activities.
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MADRID – GENEVA – LONDON -ISTANBUL

15. MADRID – GENEVA – LONDON -ISTANBUL
Confidential
FINANCIALSTRUCTUREOVERVIEW
STRUCTURING A Maat Financing EFT (4)
”Ethical Fund TRANSACTION"
Financing JVA
1. Issuer/Trustee (acting for and on behalf of the Maat Financing
holders/ investors will enter into a JVA /partnership with the
Obligor. Under the JVA agreement, both partners will
contribute a capital for the purpose of developing/
constructing/assembling the underlying revenue generating
project. The trustee will contribute cash (representing the
proceeds of the Maat Financing EFT received from the Maat
Financing holder JVA Vehicle ) and the obligor will contribute
cash plus in kind contributions (in the form of assets, rights,
licenses and technical know-how). Both contributions will be
comingled and utilized to develop the underlying project.
(Step 1 in the diagram). Each partner will have pro rata
ownership interest in the underlying project in which the JVA
capital has been invested.
2. The JVA (both partners) will enter into a management
agreement with the obligor appointing the obligor as manager
of the JVA to implement the business plan of the JVA . Sole
function of the manager of the JVA is to ensure that the
business plan of the JVA is implemented in accordance with
the terms of JVA and its documents. (Step 2 in the diagram)
3. The JVA will enter into an Istisna’ agreement with the obligor
pursuant to which JVA will buy the assets (underlying project)
to be constructed and delivered to JVA in accordance with
agreed specification of the project. The JVA will be the
purchaser under the Istisna’ and the obligor will be the seller.
Purchase price of the JVA will be paid by the JVA out of JVA
capital as per agreed terms. (Step 3 in the diagram).
4. The Trustee will have pro rata ownership interest in the
underlying physical project equal to its capital contribution to
the JVA . The trustee will enter into a forward lease agreement
with the obligor (leasing of specified assets, to be constructed
and delivered on the agreed delivery date. The
lease will commence following the delivery of the
assets). Under the forward lease agreement, the
(trustees’ share in the underlying physical assets)
leased
assets
will be
leased to the obligor for the agreed rental. The rental received
will be used to pay the distribution amount under the Maat
Financing terms to the Maat Financing EFT holders. (Step 4
in the diagram).
5. The Trustee will receive purchase undertaking from the obligor
thereby obligating it to purchase the leased assets from the
trustee and in event of default, at maturity (in the event that
Maat Financing EFT are to be redeemed at maturity only) and
certain other agreed events for an exercise price equal to the
redemption amount. (Step 5 in the diagram).
6. The trustee will issue a sale undertaking in favor of the obligor
to sell the leased assets at anytime should the obligor decides
to settle the transaction early or at maturity if the Maat
Financing are amortized during the terms of Maat Financing
for an exercise price equal to the outstanding fixed rental
(cost of acquisition) or nominal value in case the Maat
Financing are amortized during the term of Maat Financing .
7. Maat Financing will be redeemed in accordance with the
paragraph 5 and 6 above.

16. MADRID – GENEVA – LONDON -ISTANBUL
Confidential
FINANCIALSTRUCTUREOVERVIEW
FINANCIAL STRUCTURE OVERVIEW
Projected Cash Flows $'000
Distribution of shares
Equity 60 000
Debt 300 000
Totalinvestment 360 000
Revenues 0 0 80 181 140 540 150 540 159 000 163 345 170 846 197 980 219 000
Operating costs
Professional fees (564) (564) (564) (564) (564) (564) (564) (564) (564) (564)
Marketing fees 0 (1 166) (1 366) (1 366) (1 366) (1 366) (1 366) (1 366) (1 366) (1 366)
Bank Charges (522) (522) (522) (522) (522) (522) (522) (522) (522) (522)
Employee-related cost (600) (600) (600) (600) (600) (600) (600) (600) (600) (600)
Total expenses (1 686) (2 852) (3 052) (3 052) (3 052) (3 052) (3 052) (3 052) (3 052) (3 052)
Cash Flow from operations (1 686) (2 852) 77 129 137 488 147 488 155 948 160 293 167 794 194 928 215 948
Debt repayment 0 0 (45 000) (45 000) (45 000) (45 000) (45 000) (45 000) (45 000) (45 000)
NOPAT (1 686) (2 852) 32 129 92 488 102 488 110 948 115 293 122 794 149 928 170 948
cumulated Cash flow (1 686) (4 538) 27 591 120 079 222 567 333 515 448 808 571 602 721 530 892 478
FY1 FY2 FY3 FY4 FY5 FY6 FY7 FY8 FY9 FY10
Investors 15,0 15,0 15,0 15,0 15,0 15,0 15,0 15,0 15,0 0,0
JFM 65,0 65,0 65,0 64,0 58,0 51,0 40,0 26,0 6,0 0,0
Obligor 20,0 20,0 20,0 21,0 27,0 34,0 45,0 59,0 79,0 100,0
Total 100 100 100 100 100 100 100 100 100 100
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17. MADRID – GENEVA – LONDON -ISTANBUL
Confidential
FINANCIALSTRUCTUREOVERVIEW
FINANCIAL STRUCTURE OVERVIEW
FY1 FY2 FY3 FY4 FY5 FY6 FY7 FY8 FY9 FY10
Obligator dividends 0 0 6 426 22 248 28 320 40 842 53 124 75 173 121 616 216 964
Shares % 20,0 20,0 20,0 21,0 27,0 34,0 45,0 59,0 79,0 100,0
Share bought 0,0 0,0 1,0 6,0 7,0 11,0 14,0 20,0 21,0 0,0
Net Profit 0 0 2 826 648 3 120 1 242 2 724 3 173 46 016 216 964
cumulated Profit 0 0 2 826 3 474 6 594 7 836 10 561 13 733 59 749 276 713
FY1 FY2 FY3 FY4 FY5 FY6 FY7 FY8 FY9 FY10
Investors dividends 0 0 4 819 13 873 15 373 16 642 17 294 18 419 22 489 0
Shares % 15,0 15,0 15,0 15,0 15,0 15,0 15,0 15,0 15,0 0,0
Share sold 0,0 0,0 0,0 0,0 0,0 0,0 0,0 0,0 15,0 0,0
Net Profit 0 0 4 819 13 873 15 373 16 642 17 294 18 419 76 489 0
cumulated Profit 0 0 4 819 18 693 34 066 50 708 68 002 86 421 162 910 162 910
Annuel yield % 0,00 0,00 1,61 4,62 5,12 5,55 5,76 6,14 25,50 0,00
Global yield % 5,43
FY1 FY2 FY3 FY4 FY5 FY6 FY7 FY8 FY9 FY10
JVA dividends 0 0 20 884 59 192 59 443 56 583 46 117 31 926 8 996 0
Shares % 65,0 65,0 65,0 64,0 58,0 51,0 40,0 26,0 6,0 0,0
Share sold 0,0 0,0 1,0 6,0 7,0 11,0 14,0 20,0 6,0 0,0
Profit From 0 0 24 484 80 792 84 643 96 183 96 517 103 926 30 596 0
Net Profit (inc 0 0 69 484 125 792 129 643 141 183 141 517 148 926 75 596 45 000
cumulated Profit 0 0 69 484 195 276 324 919 466 103 607 620 756 546 832 142 877 142
Net profit after Maturity 577 142
Distribution Obilgor
Distribution for Maat Financing EFT
Holders/ Investors
Distribution for JVA
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