GRI Index

G4-32

STRATEGY AND ANALYSIS

General Standard Disclosures	Link	Direct response / Observations	External Assurance
G4-1	Message from our Chairman
G4-2	Message from our Chairman Corporate governance

ORGANIZATIONAL PROFILE

General Standard Disclosures	Link	Direct response / Observations	External Assurance
G4-3	Contact
G4-4	Working for financial inclusion
G4-5	Contact
G4-6	Who we are
G4-7	Contact
G4-8	Who we are Working for financial inclusion
G4-9	Working for financial inclusion Our people Our results
G4-10	Our people
G4-11	Our people
G4-12	Gentera, a sustainable company Our people
G4-13	Gentera, a sustainable company Working for financial inclusion Our people We generate value in communities Corporate governance
G4-14	Who we are Working for financial inclusion Corporate governance
G4-15	Gentera, a sustainable company We generate value in communities
G4-16	Corporate governance

IDENTIFIED MATERIAL ASPECTS AND BOUNDARIES

General Standard Disclosures	Link	Direct response / Observations	External Assurance
G4-17	Who we are
G4-18	Who we are Materiality and Stakeholders About this report
G4-19	Materiality and Stakeholders
G4-20	Materiality and Stakeholders
G4-21	Materiality and Stakeholders
G4-22	About this report
G4-23	Working for financial inclusion

STAKEHOLDER ENGAGEMENT

General Standard Disclosures	Link	Direct response / Observations	External Assurance
G4-24	Materiality and Stakeholders
G4-25	Materiality and Stakeholders
G4-26	Materiality and Stakeholders
G4-27	Materiality and Stakeholders

REPORT PROFILE

General Standard Disclosures	Link	Direct response / Observations
G4-28	About this report	January 1st to December 3, 2014
G4-29		2013
G4-30	About this report
G4-31	Contact
G4-32	About this report GRI Index
G4-33	About this report

GOVERNANCE

General Standard Disclosures	Link	Direct response / Observations	External Assurance
G4-34	Corporate governance
G4-36	Corporate governance
G4-38	Corporate governance
G4-39	Message from our Chairman Corporate governance
G4-41	Corporate governance
G4-42	Corporate governance
G4-43	Corporate governance
G4-44	Corporate governance
G4-45	Corporate governance
G4-46	Corporate governance
G4-47	Corporate governance
G4-48	Corporate governance

ETHICS AND INTEGRITY

General Standard Disclosures	Link	Direct response / Observations	External Assurance
G4-56	Gentera, a sustainable company Because we are coherent Working for financial inclusion
G4-57	Because we are coherent
G4-58	Because we are coherent

SPECIFIC STANDARD DISCLOSURES

CATEGORY: ECONOMIC

MATERIAL ASPECT: ECONOMIC PERFORMANCE

DMA and Indicators	Link	Direct response / Observations
G4-DMA (DMA 1)	We generate value in communities Our results Corporate governance
G4-EC1	We generate value in communities Our results Corporate governance
COM. FSSS G4-EC1	We generate value in communities
G4-EC2	Corporate governance
G4-EC3	Our people
G4-EC4		Gentera does no receive financial assistance from the government.

ASPECT: MARKET PRESENCE

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 2)	Our people
G4-EC5	Our people
G4-EC6	Corporate governance

MATERIAL ASPECT: INDIRECT ECONOMIC IMPACTS

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 3)	Working for financial inclusion We generate value in communities
G4-EC7	We generate value in communities Our results
G4-EC8	Working for financial inclusion We generate value in communities Materiality and Stakeholders

CATEGORY: ENVIRONMENTAL

ASPECT: MATERIALS

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 5)	We generate value in communities
G4-EN1	We generate value in communities
G4-EN2	We generate value in communities

ASPECT: ENERGY

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 6)	We generate value in communities
G4-EN3	We generate value in communities
G4-EN6	We generate value in communities

ASPECT: WATER

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations
G4-DMA (DMA 7)	We generate value in communities
G4-EN8	We generate value in communities
G4-EN9					Gentera and subsidiaries are supplied by municipally-owned water infrastructure. As a financial services company, the water consumption is minimum, therefore it does no have a significant impact on water sources.
G4-EN10	We generate value in communities	Percentage and volume of water reused.	The information is currently unavailable.	The treatment and captation rainwater plant will start operating on 2015.

ASPECT: BIODIVERSITY

DMA and Indicators	Link	Direct response / Observations
G4-DMA (DMA 8)	We generate value in communities
G4-EN11	We generate value in communities
G4-EN12	We generate value in communities
G4-EN13	We generate value in communities
G4-EN14		Due to the nature of Gentera and their subsidiaries there is no significant impact on biodiversity.

ASPECT: EMISSIONS

DMA and Indicators	Link	Direct response / Observations
G4-DMA (DMA 9)	We generate value in communities
G4-EN15	We generate value in communities
G4-EN16	We generate value in communities
G4-EN19	We generate value in communities
G4-EN20		Due to the nature of Gentera and their subsidiaries, there are no ozone depleting substances.
G4-EN21		Due to the nature of Gentera and their subsidiaries, there are no NOx and SOx emissions.

ASPECT: EFFLUENTS AND WASTE

DMA and Indicators	Link	Direct response / Observations
G4-DMA (DMA 10)	We generate value in communities
G4-EN22		The corporate building and compartamos Banco's waste water discharges comply with the NMX AA 003 1980 regulations.
G4-EN23	We generate value in communities
COM. FSSS G4-EN23	We generate value in communities
G4-EN24		Due to the nature of Gentera and their subsidiaries, there were no accidental spills.
G4-EN25		Due to the nature of Gentera and their subsidiaries, hazardous waste is not imported or exported.
G4-EN26		Gentera and its subsidiaries' discharges do not significantly affect water sources.

ASPECT: PRODUCTS AND SERVICES

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 11)	We generate value in communities
G4-EN27	We generate value in communities
G4-EN28	We generate value in communities

ASPECT: COMPLIANCE

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 12)	Corporate governance
G4-EN29					During the reporting period ther were no significant fines regarding non compliance with environmental laws and regulations.

ASPECT: TRANSPORT

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 13)	We generate value in communities
G4-EN30	We generate value in communities

ASPECT: OVERALL

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 14)	We generate value in communities
G4-EN31	We generate value in communities Our results

ASPECT: SUPPLIER ENVIRONMENTAL ASSESSMENT

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 15)	Gentera, a sustainable company
G4-EN32	Gentera, a sustainable company

MATERIAL ASPECT: ENVIRONMENTAL GRIEVANCE MECHANISMS

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 16)	Because we are coherent
G4-EN34	Because we are coherent

CATEGORY: SOCIAL

SUB-CATEGORY: LABOR PRACTICES AND DECENT WORK

MATERIAL ASPECT: EMPLOYMENT

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 17)	Gentera, a sustainable company Our people
G4-LA1	Our people
G4-LA2	Our people
G4-LA3	Our people

ASPECT: LABOR/MANAGEMENT RELATIONS

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 18)	Our people
G4-LA4	Our people

ASPECT: OCCUPATIONAL HEALTH AND SAFETY

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 19)	Our people
G4-LA5	Our people
G4-LA6	Our people
G4-LA7	Our people
G4-LA8	Our people

MATERIAL ASPECT: TRAINING AND EDUCATION

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 20)	Because we are coherent Our people
G4-LA9	Our people
G4-LA10	Our people
G4-LA11	Our people

MATERIAL ASPECT: DIVERSITY AND EQUAL OPPORTUNITY

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 21)	Because we are coherent
G4-LA12	Our people Corporate governance

MATERIAL ASPECT: EQUAL REMUNERATION FOR WOMEN AND MEN

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 22)	Our people
G4-LA13	Our people

ASPECT: SUPPLIER ASSESSMENT FOR LABOR PRACTICES

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 23)	Gentera, a sustainable company
G4-LA14	Gentera, a sustainable company

MATERIAL ASPECT: LABOR PRACTICES GRIEVANCE MECHANISMS

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 24)	Because we are coherent
G4-LA16		Amount of complaints on labor practices.	The information is subject to specific confidentiality constraints.	Gentera and their subsidiaries have a reception and follow-up process for labor practices complaints however due to internal policies, the information is confidential.

SUB-CATEGORY: HUMAN RIGHTS

MATERIAL ASPECT: INVESTMENT

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 25)	Because we are coherent
G4-HR2	Our people

MATERIAL ASPECT: NON-DISCRIMINATION

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 26)	Because we are coherent					--
G4-HR3					163 complaints were received, same that have been monitored by the Ethics and Values Deputy Direction.

ASPECT: FREEDOM OF ASSOCIATION AND COLLECTIVE BARGAINING

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 27)	Our people
G4-HR4					No activities that violate freedom of association and the right of collective bargaining have been identified.

ASPECT: CHILD LABOR

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 28)	Because we are coherent
G4-HR5	Because we are coherent				No activities with significant risk of child labor have been identified.

ASPECT: FORCED OR COMPULSORY LABOR

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 29)	Because we are coherent
G4-HR6	Because we are coherent				No activities with significant risk of compulsory labor have been identified.

MATERIAL ASPECT: INDIGENOUS RIGHTS

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 31)	Because we are coherent
G4-HR8	Because we are coherent				In 2014, four grievances regarding human rights were filled before an external channel: CONAPRED.

ASPECT: ASSESSMENT

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 32)	Because we are coherent
G4-HR9					100% of Gentera's companies are evaluated to determine impacts regarding human rights.

ASPECT: SUPPLIER HUMAN RIGHTS ASSESSMENT

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 33)	Because we are coherent
G4-HR10	Because we are coherent

MATERIAL ASPECT: HUMAN RIGHTS GRIEVANCE MECHANISMS

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 34)	Because we are coherent
G4-HR12					In 2014, four grievances regarding human rights were filled before an external channel: CONAPRED.

SUB-CATEGORY: SOCIETY

MATERIAL ASPECT: LOCAL COMMUNITIES

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 35)	Working for financial inclusion We generate value in communities
G4-SO1	Working for financial inclusion We generate value in communities
FS13	Working for financial inclusion
FS14	Working for financial inclusion

MATERIAL ASPECT: ANTI-COMPETITIVE BEHAVIOR

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 36)	Because we are coherent Corporate governance
G4-SO4	Because we are coherent
G4-SO5	Because we are coherent

ASPECT: PUBLIC POLICY

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 37)	Corporate governance
G4-SO6					Gentera and their subsidiaries always maintain an ethical behavior, therefore there are no contributions to any political party.

MATERIAL ASPECT: GRIEVANCE MECHANISMS FOR IMPACTS ON SOCIETY

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 41)	Because we are coherent
G4-SO11					Gentera and their subsidiaries have a recepction and follow up process for social impact complaints. However no grievances of this kind were received during the reporting period.

SUB-CATEGORY: PRODUCT RESPONSIBILITY

MATERIAL ASPECT: CUSTOMER HEALTH AND SAFETY

DMA and Indicators	Link	Direct response / Observations
G4-DMA (DMA 42)	Working for financial inclusion
G4-PR1	Working for financial inclusion
G4-PR2		During the reporting period there were no non compliances to regulations regarding products and services impacts in clients' health and safety.

MATERIAL ASPECT: PRODUCT AND SERVICE LABELING

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations
G4-DMA (DMA 43)	Working for financial inclusion We generate value in communities
G4-PR3	Working for financial inclusion
G4-PR4					During the reporting period there were no non compliances to regulations regarding product and services labeling.
G4-PR5	Working for financial inclusion	Satisfaction service results.	The information is subject to specific confidentiality constraints.	Gentera and their subsidiaries have a process to measure their clients' satisfaction, however these results are confidential.

MATERIAL ASPECT: MARKETING COMMUNICATIONS

DMA and Indicators	Link	Direct response / Observations
G4-DMA (DMA 44)	Working for financial inclusion
G4-PR6		Gentera and their subsidiaries do not offer prohibited or litigated products and/or services. They comply with applicable regulations completely.
G4-PR7		Gentera and their subsidiaries do not offer prohibited or litigated products and/or services. They comply with applicable regulations completely.

MATERIAL ASPECT: CUSTOMER PRIVACY

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 45)	Working for financial inclusion
G4-PR8	Working for financial inclusion	Number of substantiated grievances regarding personal data breaches.	The information is subject to specific confidentiality constraints.	Gentera and their subsidiaries have a monitoring process for third party data privacy. However, complaints were filled and its is confidential information.

MATERIAL ASPECT: COMPLIANCE

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
G4-DMA (DMA 46)	Corporate governance
G4-PR9					During the reporting period there were no non compliances to regulations regarding products and services supply and use.

FINANCIAL SERVICES SECTOR SUPPLEMENT

ASPECT: PRODUCT PORTFOLIO

DMA and Indicators	Link	Direct response / Observations
DMA 47	Because we are coherent Working for financial inclusion Corporate governance
FS6	Working for financial inclusion
FS7	Working for financial inclusion
FS8		Gentera and their subsidiaries have no products under services that offer environmental benefits.

ASPECT: AUDIT

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations	External Assurance
DMA 48	Corporate governance

ASPECT: ACTIVE OWNERSHIP

DMA and Indicators	Link	Identified Omission(s)	Reason(s) for Omission(s)	Explanation for Omission(s)	Direct response / Observations
DMA 49	Corporate governance
FS10	Corporate governance	Percentage and number of companies with which Gentera and subsidiaries might have interacted on social and environmental topics.	The information is currently unavailable.	Gentera and their subsidiaries participate and interact with several companies, chambers and associations regarding social and environmental topics. However, the amount and percentage of these interactions is unavailable.
FS11	Working for financial inclusion				Gentera and their subsidiaries have no assets which are subject to environmental controls.