1. A Billion to Gain? European Microfinance Network Berlin, 26 April 2007 Gera Voorrips, ING Microfinance Support Commercial Banks participation in microfinance: for business or for CSR?

2. 1.ING Globally operating financial services provider (top 10) 50 million clients in 60 countries Banking, insurance and asset management Well known for working with and for entrepreneurs More info on www.ing.com

3. ING and microfinance Supporting microfinance by making direct contributions, sharing expertise, and increasing awareness (‘CSR’) Microfinance as a business line in India Important retail bank in Netherlands, Belgium, Poland and Romania Microfinance in Europe?

4. 2.A Billion to Gain? An overview of global financial institutions and their activities in microfinance Commissioned by the Dutch Ministry of Development co- operation and ING Originally published in February, updated in November 2006

5. How are banks involved in microfinance? Activities Wholesale and retail Products Financial and non-financial

6. Why are banks involved in microfinance? Citizenship orientation (‘CSR’) Commercial orientation

7. Complementarities: partnerships ABN AMROACCION, Shorecap CitigroupACCION, WWB Deutsche BankWWB, IFC INGOikocredit, WWB, Opportunity International, UNCDF RabobankTerrafina Société Générale ADIE, Planet Finance

8. Complementarities: innovations Loans in local currency Remittances Securisations Leasing Micro-insurance Technical assistance Equity Stakes Investing funds

9. Momentum: an increasing involvement Wholesale loans ~ USD 600 million Remittances~Pilots going on Equity stakes~First movers are there Investment funds ~ Many

10. Thank you www.ingmicrofinance.com