Renegade Bank
Transforming Australian SME & Corporate Banking
Investor Presentation
Confidential
Executive Summary
Transforming Australian SME & Corporate banking with global reach
Market Opportunity
2-3 million SMEs and mid-market corporates underserved by Big 4, with growing cross-border needs
Digital-First Approach
Modern technology stack delivering superior customer experience and operational efficiency
Regulatory Strategy
APRA-regulated ADI with experienced team navigating licensing pathway
Proven Leadership
Executive team with deep banking, regulatory, and technology expertise
Seeking $2 Billion USD to establish a globally-respected Australian banking institution with China and MENA expansion pathway
Current Status
What we have on the table today
Trademark Application
AcceptedRenegade Bank trademark filed and accepted
Technology Platform
ReadySMEBankinaBox ecosystem with 18 proven components
Executive Team
AssembledExperienced leadership in banking, regulation, and finance
Investor Network
EstablishedEstablished relationships with institutional and HNWI investors
Regulatory Roadmap
PlannedClear APRA pathway with Trust-to-ADI strategy
Immediate Next Steps
- 1.Close seed funding round
- 2.Pay APRA application fee ($120,000)
- 3.Stand up AWS/Azure infrastructure
Capital Position
Building to $2Bn USD for China bank licence threshold
Total raise across 4 tranches — pathway to China
Executive Team
World-class leadership with Harvard credentials and Big 4 bank experience
Steve Aliferis
Executive Chairman
- •Senior Executive with 3 of Australia's Big 4 banks (CBA, ANZ, Westpac)
- •Founding contributor to WeChat Pay international expansion strategy
- •CEO of leading Asian fintech; 30+ years in global banking
- •Pioneer in Australia-China cross-border payments infrastructure
Dr. JP Monck
Chief Executive Officer
- •PhD Finance & Systems Engineering (Harvard University)
- •Former APRA Bank Regulator; deep regulatory relationships
- •Former CRO in1bank; Director KPMG & PwC Banking Risk
- •CPA, CA, GAICD — 25+ years banking regulation expertise
Sasha Qian
Chief Executive - Private Bank and Investor Relations
- •Extensive leadership experience in investor relations
- •Private banking and wealth management expertise
- •Strategic client relationship management
- •Capital markets and institutional partnerships
Tin Long Ho
Chief Financial Officer
- •Head of Finance at Complete Credit Solutions
- •Former Manager, Model Risk at Macquarie Group
- •Credit Risk Modeling expert (IFRS9, IRB)
- •PhD in Risk & Actuarial Studies (UNSW), Actuary
Combined 80+ years of experience across Australia's Big 4 banks, APRA regulatory leadership, Harvard University, WeChat Pay, and global fintech. Our team has directly shaped Australia's banking regulation and pioneered cross-border payment infrastructure between Australia, China, and Asia-Pacific.
Global Vision: Australia First
Australian banking licence as foundation for $2Bn+ global trade finance institution
Globally Respected Licence
Australian ADI licence is recognized and trusted worldwide. APRA's rigorous standards signal credibility to regulators in China, MENA, and beyond.
Underserved $3.4T Opportunity
Big 4 control 75%+ of Australia. Africa has $120Bn trade finance gap. Intra-African banks fund only 12% of continental trade.
China Gateway ($20Bn Threshold)
China requires US$20Bn+ minimum capital for distinguished foreign bank status. Our pathway: Australia → $2Bn capital base → China licence by Year 5+.
MENA & Africa Corridor
Follow Afreximbank model ($48.5Bn assets). Target Algeria, Morocco, GCC markets — $3.4T intra-African trade potential largely unbanked.
Global Expansion Roadmap
ADI licence, $2Bn AUM, prove SME/trade finance model, build capital base
Hong Kong, Singapore hubs. Apply for China foreign bank licence at $20Bn+ capital threshold
GCC markets, North Africa (Morocco, Algeria). Partner with Afreximbank to address $120Bn trade finance gap
Why Australian Bank for Global Expansion?
Australian banking licences carry exceptional international prestige. APRA's world-class regulatory standards are recognized by CBIRC (China), SAMA (Saudi), and regulators across MENA/Africa as a mark of institutional credibility — essential for obtaining correspondent banking relationships and foreign bank licences in these markets.
Capital Structure
Share allocation, founder equity, and introducer commissions
Share Allocation
Fully diluted share count at completion
Funding Phases
Introducer Commissions
Founder Vesting Schedule
Founders shares vest over 4 years: 25% at Year 1 (cliff), then monthly vesting. Accelerated vesting on ADI license approval and key milestones. Performance-based tranches tied to AUM targets ($500M, $1Bn, $2Bn).
Business Model
Diversified sector focus with multiple revenue streams
Credit Business
SME lending, receivables finance, equipment finance, business loans
Net interest margin 3-5%
Property Business
Development finance, construction loans, tokenised property (EstateCoin)
Fees + equity participation
Data Centers
Financing for digital infrastructure, colocation facilities, edge computing
Project finance + recurring
New Technology
Fintech partnerships, AI/ML ventures, blockchain infrastructure
Venture returns + platform fees
Agricultural
Farm equipment, seasonal finance, commodity trading facilities
Secured lending + trade finance
Energy
Renewable projects, battery storage, grid infrastructure financing
Green bonds + project finance
Payments
Cross-border payments, real-time settlement, multi-currency accounts
Transaction fees + FX spread
Trade Finance
Letters of credit, supply chain finance, export/import facilities
Fees + interest margin
Foreign Exchange
Spot, forward, hedging solutions for SME/Corporate clients
FX margin + advisory fees
Competitive Advantages
Lower cost base than legacy competitors
Modern mobile-first customer experience
Advanced analytics for risk and marketing
Rapid product development and iteration
Revenue Mix (Target)
- Net Interest Income60-70%
- Fee Income15-20%
- BaaS Revenue10-15%
- Digital Assets5-10%
Technology Platform
SMEBankinaBox — FinanceCloud Ecosystem
18 components across four value-chain layers with proven technology
Layer 1 — Origination
DealDrive
Multi-channel origination including Customer Direct, Broker Direct, Executive HUB, and Deal Board aggregation
Layer 2 — Credit Intelligence
ADAM BI + Gatekeeper
AI-driven credit analysis with 100,000+ data points, 37 lookup tables, 288 decision tiers, and real-time policy enforcement
Layer 3 — Servicing
Guardian AMS
25+ year Australian platform for loans, revolving trade receivables, securitisation reporting, and trust accounting
Layer 4 — Payments & Digital Assets
PayNow + EstateCoin
Cards, wallets, blockchain settlement, tokenised property, and stablecoin capabilities
Banking as a Service
White-label bank under client brand for ecosystem networks, contractors, developers, and institutional guilds
Regulatory Tailwinds — April 2026
RBA surcharge ban + interchange cuts (Oct 2026) • Project Acacia DFMI sandbox • BNPL ACL (Jun 2025) • ASIC digital asset framework • $24B tokenisation opportunity
Regulatory Pathway
Trust to Full ADI: Proven pathway to banking licence
Phase 1: Trust Establishment
Establish non-bank lending trust, $50M equity raise + $200M debt facility
APRA Application
Lodge full ADI application demonstrating Trust profitability
Application fee: ~$120,000 AUD
Systems & Infrastructure
AWS/Azure deployment, core banking systems, compliance frameworks
Full ADI Licence
Full banking licence granted, unlocking deposit funding and scale
Scale Operations
Deploy additional equity ($1Bn+/year), scale to $22Bn AUM by Year 5
Why Trust-First Strategy?
Demonstrate Profitability
Prove business model and credit capabilities to APRA before ADI application
De-risk Regulatory Process
Operating track record significantly improves ADI approval probability
Capital Efficiency
Deploy capital in lending operations while ADI application is processed
Team & Systems Ready
Build out all required capabilities during Trust phase, ready for ADI day one
Timeline & Milestones
5-Year pathway from Trust to $22Bn ADI
Trust Establishment & Seed Round
- •Close $50M seed equity round at $0.50/share
- •Secure $200M debt warehouse facility
- •Pay APRA application fee, begin preparation
- •Deploy AWS/Azure infrastructure
- •Begin lending operations, target ~$100M AUM
Trust Scale & ADI Application
- •Scale Trust AUM to ~$230M
- •Demonstrate profitability to APRA
- •Lodge full ADI licence application
- •Build out compliance and risk frameworks
- •Series A round if required ($1.00/share)
ADI Licence & Deposit Funding
- •Receive full ADI banking licence
- •Raise $200M ADI equity round at $2.00/share
- •Launch deposit products, unlock deposit funding
- •Scale rapidly to $2Bn AUM
- •Establish institutional investor base
Scale & Market Leadership
- •Year 4: Raise $1Bn equity, scale to $12Bn AUM
- •Year 5: Raise $1Bn equity, scale to $22Bn AUM
- •Commence dividend distributions
- •Prepare for ASX listing / strategic options
- •Expand product suite and market segments
Critical Success Factors
Trust phase profitability de-risks ADI application. Proven technology platform and experienced team accelerate execution. Capital efficiency through deferred expenses and debt leverage maximises investor returns.
Financial Projections
Two-Phase Strategic Approach
AUM Growth Trajectory (AUM $Bn)
Investor Returns
| Investor Class | Entry Price | Target VPS | Return Multiple |
|---|---|---|---|
| Seed Investors (Y1) | $0.50 | $5.00+ | 10x+ |
| Series A (Y2) | $1.00 | $5.00+ | 5x+ |
| ADI Round (Y3) | $2.00 | $5.00+ | 2.5x+ |
Capital Raise Schedule
| Phase | Timing | Equity Raise | Debt/Deposits | Target AUM | Status |
|---|---|---|---|---|---|
| Phase 1 | Y1-Y2 | $50M | $200M | ~$230M | Trust Phase (M1-M24) |
| Phase 2 | Y3 | +$200M | Deposits ($M) | ~$2Bn | ADI Granted |
| Phase 3 | Y4 | +$1Bn | Deposits ($M) | ~$12Bn | Scale |
| Phase 4 | Y5 | +$1Bn | Deposits ($M) | ~$22Bn | Scale |
Total: $101M across four raises: $2.25Bn equity across four phases
Entry & Exit
Investment entry points and liquidity pathways
Entry Mechanism
Exit Mechanism
Target ASX listing at $20Bn+ AUM with institutional investor base
Acquisition by major bank, fintech, or private equity at premium
Regular dividends once profitable with 30-40% payout ratio target
Facilitated secondary market for investor liquidity pre-IPO
Target Valuation (Month 48) (Year 5)
Enterprise Value
Share Price
AUM Target
Total Equity Raised
Use of Funds
Phase 1: $50M Equity + $200M Debt Facility
Phase 1 Equity Allocation ($50M)
Capital Deployment by Phase
| Phase | Equity | Debt/Deposits | Total Capital | Purpose |
|---|---|---|---|---|
| Phase 1 (Y1-2) | $50M | $200M | $250M | Trust setup, $230M assets |
| Phase 2 (Y3) | $200M | Deposits ($M) | $200M+ | ADI scale to $2Bn |
| Phase 3 (Y4) | $1Bn | Deposits ($M) | $1Bn+ | Scale to $12Bn |
| Phase 4 (Y5) | $1Bn | Deposits ($M) | $1Bn+ | Scale to $22Bn |
Capital Efficiency Strategy
- •Defer expenses until capital deployed
- •4:1 debt leverage in Trust phase
- •Deposit funding unlocks 10:1+ scale at ADI
Debt Facility (Phase 1)
$200M warehouse facility secured against receivables. Combined with $50M equity provides $250M total capital to fund ~$230M of assets in Years 1-2 before ADI.
Market Opportunity
Transforming Australian SME & Corporate Banking
2-3 million businesses underserved by Big 4
Big 4 control 75%+ with poor SME service
Australia-Asia-Middle East trade corridors
SMEs seeking modern banking solutions
Key Market Dynamics
- •SME/Corporate clients underserved by Big 4 with complex cross-border needs
- •Growing Australia-Asia-Middle East trade flows requiring integrated banking
- •Demand for Payments, Trade Finance, and FX services in single platform
Next Steps
Closing Phase 1 and commencing operations
Current Focus
Closing Phase 1 Capital Raise
Foundation equity to establish Trust operations and demonstrate profitability pathway
What We Have
- •Trademark application accepted
- •Proven 18-component technology platform
- •Experienced executive team assembled
- •Clear Trust-to-ADI regulatory pathway
Immediate Use of Funds
- •Pay APRA application fee ($120,000)
- •Stand up AWS/Azure infrastructure
- •Establish Trust structure and governance
- •Deploy initial lending book with debt facility
Phase 1 Investor Benefits
$0.50
Entry Price
10x+
Target Return
Yes
Board Seat (Major)
First
Priority Rights
Ready to Move Forward?
Let's discuss how you can participate in Phase 1
Renegade Bank
Transforming Australian SME & Corporate Banking
Investor Presentation
Confidential