2. Building Tomorrow Together LAC Regional Mtg Andree Simon, VP - COO Washington, DC | May 2014

3. Confidential 2013 2 INSTITUTION-CENTERED rather than CLIENT-CENTERED

4. Confidential 2013 3  Unclear and sometimes competing priorities  15 subsidiaries in the red i.Fixed investments in resources, IT systems, & infrastructure to enable transformation / operate a network of full-service institutions, steadily increasing Operating Expenses. ii.Increased competition from consumer lending iii.High client & staff turnover iv.Inadequate scale  Strong growth opportunities constrained by funding structure i.CAR ii.Limited Savings iii.Availability of debt iv.Equity limitations INSTITUTION-CENTERED rather than CLIENT-CENTERED

5. From Humble Beginnings To a Global Network Copyright © 2014, FINCA and/or its subsidiaries. All rights reserved. The information contained herein is the Confidential and Proprietary information of FINCA and its subsidiaries. No further distribution of this document or its contents is permitted without the express written consent of FINCA.

6. Mexico Guatemala El Salvador Ecuador Nicaragua Honduras Haiti D. R. Congo Nigeria (coming soon) Afghanistan Jordan Pakistan Uganda Tanzania Malawi Zambia Kyrgyzstan Kosovo Azerbaijan Georgia Armenia Russia Tajikistan Copyright © 2014, FINCA and/or its subsidiaries. All rights reserved. The information contained herein is the Confidential and Proprietary information of FINCA and its subsidiaries. No further distribution of this document or its contents is permitted without the express written consent of FINCA.

7. Mexico Guatemala El Salvador Ecuador Nicaragua Honduras Haiti D. R. Congo Nigeria Afghanistan Jordan Pakistan Uganda Tanzania Malawi Zambia Kyrgyzstan Kosovo Azerbaijan Georgia Armenia Russia Tajikistan A Global Network 22 Financial Services Subsidiaries Copyright © 2014, FINCA and/or its subsidiaries. All rights reserved. The information contained herein is the Confidential and Proprietary information of FINCA and its subsidiaries. No further distribution of this document or its contents is permitted without the express written consent of FINCA.

8. Mexico Guatemala El Salvador Ecuador Nicaragua Honduras Haiti D. R. Congo Nigeria Afghanistan Jordan Pakistan Uganda Tanzania Malawi Zambia Kyrgyzstan Kosovo Azerbaijan Georgia Armenia Russia Tajikistan Over12,000 Employees Copyright © 2014, FINCA and/or its subsidiaries. All rights reserved. The information contained herein is the Confidential and Proprietary information of FINCA and its subsidiaries. No further distribution of this document or its contents is permitted without the express written consent of FINCA.

9. Mexico Guatemala El Salvador Ecuador Nicaragua Honduras Haiti D. R. Congo Nigeria Afghanistan Jordan Pakistan Uganda Tanzania Malawi Zambia Kyrgyzstan Kosovo Azerbaijan Georgia Armenia Russia Tajikistan 22 Countries Copyright © 2014, FINCA and/or its subsidiaries. All rights reserved. The information contained herein is the Confidential and Proprietary information of FINCA and its subsidiaries. No further distribution of this document or its contents is permitted without the express written consent of FINCA.

10. Mexico Guatemala El Salvador Ecuador Nicaragua Honduras Haiti D. R. Congo Nigeria Afghanistan Jordan Pakistan Uganda Tanzania Malawi Zambia Kyrgyzstan Kosovo Azerbaijan Georgia Armenia Russia Tajikistan 30 years in the making Copyright © 2014, FINCA and/or its subsidiaries. All rights reserved. The information contained herein is the Confidential and Proprietary information of FINCA and its subsidiaries. No further distribution of this document or its contents is permitted without the express written consent of FINCA.

11. Mexico Guatemala El Salvador Ecuador Nicaragua Honduras Haiti D. R. Congo Nigeria Afghanistan Jordan Pakistan Uganda Tanzania Malawi Zambia Kyrgyzstan Kosovo Azerbaijan Georgia Armenia Russia Tajikistan USD$1 Billion in Assets Copyright © 2014, FINCA and/or its subsidiaries. All rights reserved. The information contained herein is the Confidential and Proprietary information of FINCA and its subsidiaries. No further distribution of this document or its contents is permitted without the express written consent of FINCA.

12. Mexico Guatemala El Salvador Ecuador Nicaragua Honduras Haiti D. R. Congo Nigeria Afghanistan Jordan Pakistan Uganda Tanzania Malawi Zambia Kyrgyzstan Kosovo Azerbaijan Georgia Armenia Russia Tajikistan 1.2 Million Borrowers Nearing 1 Million Savers Source: March Big 5 Report

13. Mexico Guatemala El Salvador Ecuador Nicaragua Honduras Haiti D. R. Congo Nigeria Afghanistan Jordan Pakistan Uganda Tanzania Malawi Zambia Kyrgyzstan Kosovo Azerbaijan Georgia Armenia Russia Tajikistan ONE Focus Copyright © 2014, FINCA and/or its subsidiaries. All rights reserved. The information contained herein is the Confidential and Proprietary information of FINCA and its subsidiaries. No further distribution of this document or its contents is permitted without the express written consent of FINCA.

14. Copyright © 2014, FINCA and/or its subsidiaries. All rights reserved. THIS is who we are!

15. Confidential THIS is who we are!

16. Confidential TRUST Loyal FINCA Ambassadors Unleash the potential of our staff Reward good WARMTH Accessible to all Everyone is a customer We include the community RESPONSIBLE Build trusted, long-term relationships Self-accountability, collective ownership Simple products, sophisticated service Living Our Brand We are Responsible, Warm and Trustworthy... UNCONVENTIONAL BANKING

17. Confidential 16 To Win! To Play Efficiency Helpfulness Respect Professionalism Warmth Delight Trust Each Subsidiary requires its own play-win strategy The Road Ahead… Playing vs Winning

18. Confidential Join the Revolution! 17 FINCA is not just a job. We need stars, because we are changing the face of banking.

19. Confidential The Road Ahead... 18

20. Confidential The Roadmap WHAT is our strategy? CUSTOMER EXPERIENCE STRATEGY We will ask our customers what they want and understand how it benefits them. We will deliver what they want in an effective way that they appreciate. PRODUCT STRATEGY We will design products our customers value, that are effective, transparent and profitable. FUNDING STRATEGY We will grow and remain competitive by diversifying our funding base to include savings, local funding, and co-investment. 19 CULTURE CHANGE! We will make sure everyone – clients, staff, and stakeholders – understand and embody who we are and where we are going.

21. Confidential 20 Goal: We will profitably grow our client base (retaining existing valuable clients, acquiring valuable new clients) Through: Adding value to our clients Creating loyal customers Transforming from an institution-focused to a customer-focused organization By: Clear, client-driven value proposition Excellence in customer service: understanding clients and transforming this understanding into client-driven action that builds reputation -Staff behaviors (brand values) -Appropriate products that really satisfy clients and solve their financial needs -Marketing/brand awareness -Branch appearance -Staff appearance Treating our employees the way we want our customers treated Creating a sense of urgency The Road Map CUSTOMER EXPERIENCE STRATEGY

22. Confidential 21 Concrete next steps: Form cross-functional teams at network & regional level Assess CE readiness at subsidiary Design and implement customer research strategy Define customer experience KPIs Engage functional units in dialogue! The Road Map CUSTOMER EXPERIENCE STRATEGY

23. Confidential 22 Goal: value-add, efficient products and services Through: Identifying the right target customers Listening to what they want Using a product development process that is prioritized based on value-creation By: Client segmentation analysis Client targeting Excellence in customer (potential and existing) research Systematic activity based costing Focused, value-based product assessment A clear view of capacity and investment needs Establishing our ability to assess and manage risk Agreeing our risk appetite Establishing a mechanism/process for developing value-add products The Road Map PRODUCT STRATEGY

24. Confidential 23 Concrete next steps: Focused strategy on savings mobilization – mid/large depositors for volume, small savers through ADCs Leveraging credit scoring to reduce process burden of loan approvals and reduce cost Design and implement product development strategy Integrate risk management into product analysis Accelerate ADCs Refine client segmentation analysis Implement client targeting Implement ABC analysis in select subs The Road Map PRODUCT STRATEGY

25. Confidential 24 Goal: stable and adequate sources of funding to execute growth Through: Review of current funding strategy Realistic assessment of funding needs / opportunities Coordination of growth against likely funding scenarios Adequate risk assessment and scenario planning By: Quality projections & coordination Savings mobilization Building capacity to raise local funds Clear understanding of limits at international level and CMG commitment Risk analysis Contingency planning The Road Map FUNDING STRATEGY

26. Confidential 25 Concrete next steps: Accelerate savings mobilization Ramp up local funding opportunities where possible For select subs, pursue co-investment The Road Map FUNDING STRATEGY

27. Confidential Q&A 26 Questions? Comments?