As part of our actions of transparency with our stakeholders, we are pleased to present our Annual and Sustainability Report 2015.

The purpose of the report is to share the goals, results and achievements of the previous year, as well as the challenges we faced and the strategy implemented for the economic and social performance of Gentera and its companies.

2015 was a milestone in our history: we celebrated 25 years of operations after which we have managed to become leaders of financial inclusion for the bottom of the pyramid.

We are convinced that exclusion limits social development, so we strive to generate a positive impact. Therefore, our strategy for the future is to empower ten million people from the under-attended segment in the next ten years to improve their life with financial solutions that generate shared value. This vision, based on our purpose of eradicating financial exclusion, challenges us to develop and implement new business models that will lead us to our goal.

In 2015 we defined the strategy to be followed for the next 25 years of our company. Our efforts will be focused on developing and optimizing financial solutions in accordance to the needs of our clients and their life moment.

2015 was a remarkable year for Gentera and its companies: we achieved our goals regarding clients and portfolio. Also, we exceeded the company’s goals we set regarding the financial operations of Yastás and the policies placed by Aterna and Compartamos in the three countries in which we operate in –Mexico, Peru and Guatemala–.

• Compartamos Banco continues to lead the financial services for the bottom of the pyramid in America with the largest portfolio and active credit clients. It reached a disbursement of 86,566 million pesos, 14.8% greater with respect to 2014

• Regarding savings, we launched a network of channels with the construction of the first ecosystem for credit payment and saving operations in the state of Puebla. This will allow the massification of this service for our clients throughout Mexico in the short term

• Compartamos Financiera in Peru, massified their Crédito Súper Mujer product as the first group credit of this institution. On the other hand, in Guatemala, Compartamos continued with the growth of its group credit, taking full advantage of the opportunity areas provided by business operation trends

• Aterna, our insurance agent specialized in generating a culture of prevention at the bottom of the pyramid had a 16.5% increase in sold policies with respect to the previous year

• Yastás, the banking correspondent administrator, is the leading credit payment channel, with 13.7 million transactions in the year, 7.9% more than in 2014

• With the acquisition of Intermex, we broadened our financial services offer and paid out 3.95 million family remittances, in addition to offering more transaction points to Compartamos Banco clients

70,495 credit payments
by Compartamos Banco, equal to
603 MILLION pesos

True to our roots, we continue to work for social inclusion in the communities where we operate in through Fundación Gentera.

• We bolstered our donation culture, as more than 6,000 employees donated to Fundación Gentera
• We achieved the participation of more than 13,000 Gentera employees as volunteers in diverse activities related to education and community restoration
• We donated over 5 million pesos to 23 NGO’s through the Call for Education

None of this would have been possible without the commitment and work of our more than 20,000 employees. We are deeply grateful to all of those who have been part of the history of Gentera and who, throughout its 25-year history, have been part of this endeavor.

• We were ranked second by the Best Companies to Work for in Mexico of the Great Place to Work Institute in the category of companies with more than 5,000 employees
• We achieved a significant reduction in key position turnaround –promoters and consultants– in Mexico, Peru and Guatemala

Encouraged by our productive businesses, the challenge for the future is to maintain and strengthen our leadership in the financial services sector with state-of-the-art technology, business ethics, personal integrity and focus on the person.

In 2016 we will endeavor to develop, pilot and implement new business models and financial solutions through the creation of innovative tools and technologies that will increase and improve the knowledge of our clients and market, allowing us to diversify our offer and generate greater value in the communities where we operate in. In this way we will:

• Reach a greater number of clients
• Increase the portfolio
• Streamline expenses
• Increase financial margin

We are totally confident in the capacity for success of the Group and continue to be optimistic about our leadership in the sector as we work towards the goal that has driven us for the past 25 years: financial inclusion and generation of value for all the people at the bottom of the pyramid.