The 2012-2015 Environmental Plan reflects our environmental responsibility, which is based on the generation of the social, economic and human values.

With this we seek for the welfare of future generations, producing efficiencies in our business model, measuring our footprint and complying with the relevant laws in each country where we do business.

Through our product guides, we identify and publicize the actions of commerce and production that are not funded by Grupo Compartamos, due to the negative impact these activities produce on the environment. Such activities include illegal trade (the purchase and sale of forbidden animals), production or trade in radioactive materials, unprotected asbestos fibers and ocean fishing with nets over 2.5 km long.

Today our organization faces the challenge of acknowledging our environmental footprint related to climate change and our position in dealing with its effects, both based on our cultural conviction and on the forecast of the adverse effects it could produce.

We have a risk map of the locations most vulnerable to hydro-meteorological changes in Mexico and have financial provisions and a contingency plan in place to assist our clients affected and the communities in which we do business. We identify areas at risk of flooding, drought and earthquake zones. The above allows us to prepare to face the economic consequences arising from such events, where our main goal is to contribute to reducing our environmental footprint and providing access to information in underprivileged communities with high potential for socioeconomic development.

From the environmental assessment conducted by the ‘Universidad Autónoma de México (UNAM, National Universidad Autónoma de México) in 2011, a total of 36 recommendations were carried out under the “Compartamos Environmental Action Plan” in 2012, led by the environmental working group in Mexico.

The main actions for the environment in 2012 included:

A member was appointed to serve on the Board of Directors as the person responsible for Social Responsibility and Sustainability, including environmental issues.

We began the “Evolution in Sustainability” project comprised of two major modules: Analysis of strategic issues on sustainability and carbon footprint measurements for Grupo Compartamos under the Mexico GHG Program, which we will develop with the support of expert advice.

We published the 2.0 version of our environmental policy with a scope including the entire Grupo Compartamos, which allows each company to make adjustments based on the maturity and size of the business and thecountry in which it operates.

We adopted four hectares of forest for three years in a partnership with ‘Reforestamos México, A.C.’ while also completing the first reforestation program involving Compartamos Banco, Aterna, Yastás employees, family and friends with the support of people in the community. A total of 410 volunteers planted 4,000 pine trees.

We implemented the “Waste Separation for SEAS” program with significant results in just three months of operations in 2012:

The proceeds obtained from the collected waste is intended for the ‘Fundación San Ignacio de Loyola, A.C.’ social projects..

We installed double-sided printing, configured the hibernation mode for all computer equipment in the corporate office, recycled printer toner cartridges and used certified paper for promotional materials, among other initiatives that help us reduce our impact on the environment.

The total investment in all environmental actions in 2012 amount to more than 2.1 billion pesos.

We worked with our partners on projects that promote environmental stewardship: Ashoka Emprendedores Sociales A.C., Patronato Pro Zona Mazahua A.C., Centro de Información y Comunicación ambiental de Norte América, A.C., Grupo Ecológico Sierra Gorda, I.A.P., Fondo para la Paz I.A.P., Fondo para Niños de México, A.C. con proyectos que fomentan el cuidado del medio ambiente

We have an environmental control panel that allows us to identify and measure the Group company’s environmental performance in Mexico..

*Notes: employee calculations were made by considering the companies that have clearly identified all of the information for this period, according to management. CREAR and COMPARTAMOS GUATEMALA were not included in the direct emissions calculation for lack of fuel data.