respons Ability Social Investments AG MCPI Conference Manila

respons. Ability Social Investments AG MCPI Conference Manila, 26 and 27 th July 2012 respons. Ability Social Investments AG www. respons. Ability. com

Our guiding Principles All our investments aim at financial return AND development impact We invest in basic needs at the Base of the Pyramid Investment drivers are entrepreneurship and market mechanisms We invest responsibly and sustainably We are transparent and account for what we do respons. Ability Social Investments AG www. respons. Ability. com Page 2

Who we are Leader in Social Investments § Founded 2003 § >1 billion Au. M § Products in various asset classes (debt, equity, etc. ) § Focus on investment themes: Microfinance, Fair Trade, SME Financing § Geographical focus: Developing countries and emerging markets § 90 employees § 5 offices in Switzerland, France, Peru, Kenya, India § FINMA-regulated asset manager respons. Ability Social Investments AG www. respons. Ability. com Page 3

Where we are Our local presence potential investment universe respons. Ability local presences Current Portfolio § 70 Countries § 253 Microfinance institutions, 25 partners in ESE Asia § 45 Fair Trade cooperatives § 43 Small and medium-sized enterprises Source: respons. Ability Social Performance Report 2012 respons. Ability Social Investments AG www. respons. Ability. com Page 4

Who supports us Founding Organisations and Shareholders A Global Leader in Wealth Management Largest Swiss Retail Banking Group Traditional Swiss Banquier Privé Traditional Swiss Asset Management Bank Leader in Structured Products A Global Leader in Reinsurance A Leading Social Investor Staff and Management respons. Ability Social Investments AG www. respons. Ability. com Page 5

Recognition and awards Memberships Signed respons. Ability Social Investments AG www. respons. Ability. com Awards Participation on the advisory board Page 6

Over-indebtedness Relevance of Over-indebtedness (OID) § Social & financial harm § Negative impact on borrowers, MFIs and investors respons. Ability ’s Approach to Responsible Investing § Research on Over-indebtedness : early warning index § Inclusion of the OI analysis at various steps or r. A credit approval process (country, market and MFI levels) 7

Our investment Process Sourcing § Meeting with potential clients/partners § Assessment of the need Screening § Country and market research § Due diligence Investment Decision § Approval investment committee • Feedback to the institution § Eligibility criteria Investment Execution • Loan documentation • KYC Monitoring Reporting § Feedback § Ongoing monitoring § Further financing needs? Risk Management respons. Ability Social Investments AG www. respons. Ability. com Page 8

Our offer in the Philippines § Our team ü dedicated senior investment officer including 2 based in Hong Kong § Financing offer ü Loans and debt securities Senior, usually unsecured ü USD or USD indexed on PHP ü Minimum amount of USD 250, 000; typical transactions are between USD 1 million and USD 15 million ü Repayment structures in line with clients’ needs ü maturities range from 1– 3 years for senior debt § Investment Criteria ü Total assets of at least USD 1 million, variety of legal structure (NGO, rural banks, cooperatives, thrift banks) ü Business track record of a minimum of three years ü Profitable and sustainable operations ü Transparency shown toward respons. Ability in a due diligence process respons. Ability Social Investments AG www. respons. Ability. com Page 9