Développement international Desjardins: A partner for solutions to increase the access for financing SMEs and agriculture By Serge GOSSELIN January 2013

December 6, 1900 Opening of the first caisse populaire financial cooperative in Lévis Alphonse Desjardins

 5.6 millions of members  888 service centres and ATMs  $CAN 190 billion in assets  employees  managers/officers  Network of subsidiaries associated to the cooperative network and where the Caisses* are the owners  Most important cooperative financial group in Canada offering a vast selection of financial products and services to individuals and businesses *Caisse is Desjardins’ term used for its financial institutions Complexe Desjardins, Montréal, Québec

Desjardins Group's organizational structure Regional General Meetings Councils of Representatives Assembly of Representatives Caisses General Meeting Board of Directors Monitoring Desjardins Group Monitoring Office Caisse Network Business Sectors Desjardins Group Functions Transformation and Performance Members President and Chief Executive Officer

Desjardins Group's legal structure COOPERATIVE NETWORK SUBSIDIARY NETWORK Members 451 local caisses FÉDÉRATION DES CAISSES DESJARDINS DU QUÉBEC Développement international Desjardins Fondation Desjardins Société historique Alphonse-Desjardins Desjardins Trust Caisse centrale Desjardins Fonds de sécurité Desjardins Capital Desjardins Desjardins Venture Capital Desjardins General Insurance Group Desjardins Asset Management Desjardin s Financial Security Desjardins Securities Disnat

The Desjardins caisse: gateway to a vast integrated network Full line of financial products and services ATMs and POS terminals Mobile Internet Telephone AccèsD Internet Corporations and subsidiaries Point-of-sale financing Business centres Card, payroll services, etc. Expert group Integrated caisse CAISSE Individual and business members

Développement international Desjardins Serving development for more than 40 years

DID’s goal To provide disadvantaged communities around the world with access to secure and diversified financial services that fit their needs

8.8 millions members and clients service outlets employees (47.5 % are women) board members (26.6 % are women) Assets: CAN $ 3.14 billion Volume of deposits: CAN $ 2.41 billion Volume of loans: CAN $ 2.46 billion Average loan: CAN $ is an international network of 30 community finance institutions and DID. Its members have an impact on 9 million families and entrepreneurs throughout the world : 60 countries 4 continents 400 projects Hundreds of partners DID’s partners around the world

ACCESS TO BASIC FINANCIAL SERVICES START NEW FINANCIAL INSTITUTIONS CONSOLIDATE FINANCIAL INSTITUTIONS

Financial services DID’s specialized solutions for coops & MFIs Mobilization of Savings Agricultural Finance Technological Solutions Training and Capacity building Surveillance Microinsurance Housing Finance Loans for Schooling Investments Base Financial Institution Savings and credit cooperative, microfinance institution (MFI), Entrepreneurs Financial Centres (EFC) Central BankGovernment Members / Clients Apex organizations and groups Confederations, federations National and State agencies Financing for Entrepreneurs / SMEs