Exhibit 13 Many stakeholders stand to gain from digital financial services 1 2 2014 XX Emerging South Asia Southeast Asia China economy total Africa and Middle East Latin America Eastern Europe and Central Asia Individuals 1.6 billion MSMEs and individuals 2.1 trillion Newly included in financial system New credit % $ billion 2 2,149 7 n/a 8 197 33 295 11 100% = 448 1.6 billion 455 753 14 25 Financial-service providers 4.2 trillion Government 110 billion New deposits Leakage reduction per annum $ billion $ billion 1,111 1,098 32 27 758 20 535 368 376 12 10 9 1 GDP impact of digital financial services 6%, or $3.7 trillion, by 2025 % 11.0 8.0 7.4 5.8 5.1 4.2 1 Stakeholder benefits are calculated using 2014 baseline values, and GDP impact is calculated using 2025 baseline. 2 New credit in China has not been forecasted as current debt levels in the country are already very high. NOTE: Not to scale. Numbers may not sum due to rounding. SOURCE: McKinsey Global Institute analysis SIMILAR to ES, with more content 44 McKinsey Global Institute 3. Quantifying the benefits of digital finance