GRI Content Index

• General Standard Disclosures
  • Strategy and analysis

    General standard disclosures	Page number or link	Direct response / Observations	External assurance
    G4-1	Message from our Chairmen
    G4-2	Message from our Chairmen Financial performance

  • Organizational profile

    General standard disclosures	Page number or link	Direct response / Observations	External assurance
    G4-3	Contact
    G4-4	Our Leadership/Compartamos Leaders in financial inclusion/Compartamos Sustainable growth
    G4-5	Contact
    G4-6	Our Leadership
    G4-7	Contact
    G4-8	Leaders in financial inclusion/Compartamos
    G4-9	Financial performance/Financial and operating results Financial performance/Economic value
    G4-10	Leadership through service/The best place to work
    G4-11	Leadership through service/The best place to work
    G4-12	Value chain leadership
    G4-13	Leaders in financial inclusion/Yastás Leaders in financial inclusion/Intermex Commitment with our communities/Incluso
    G4-14	Our Leadership/Aterna Sustainable growth/Financial education Sustainable growth/Client protection Management leaders/Board of Directors True to our beliefs/Regulatory compliance True to our beliefs/Sector Participation Financial performance
    G4-15	Commitment with our communities/Alliances
    G4-16	True to our beliefs/Sector Participation

  • Identified material aspects and boundaries

    General standard disclosures	Page number or link	Direct response / Observations	External assurance
    G4-17	Our Leadership/Corporate structure
    G4-18	Materiality and Stakeholders About our report
    G4-19	Materiality and Stakeholders
    G4-20	Materiality and Stakeholders
    G4-21	Materiality and Stakeholders
    G4-22	About our report
    G4-23	Leaders in financial inclusion/Intermex

  • Stakeholder engagement

    General standard disclosures	Page number or 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	Page number or link	Direct response / Observations	External assurance
    G4-28	About our report
    G4-29		2014
    G4-30	About our report	Annual
    G4-31	Contact
    G4-32	About our report GRI Content Index
    G4-33	About our report External assurance

  • Governance

    General standard disclosures	Page number or link	Direct response / Observations	External assurance
    G4-34	Management leaders/Board of Directors Management leaders/Board of Directors
    G4-38	Management leaders/Board of Directors Management leaders/Board of Directors
    G4-39	Management leaders/Board of Directors
    G4-40	Management leaders/Board of Directors
    G4-41	Management leaders/Governance model
    G4-44	Management leaders/Board of Directors
    G4-45	Management leaders/Board of Directors
    G4-46	Management leaders/Board of Directors
    G4-47	True to our beliefs/Regulatory compliance
    G4-48	Management leaders/Board of Directors
    G4-51		The executives on the Board of Directors did not receive compensation for this work.

  • Ethics and integrity

    General standard disclosures	Page number or link	Direct response / Observations	External assurance
    G4-56	True to our beliefs
    G4-57	True to our beliefs
    G4-58	True to our beliefs	171 complaints; 1,248 inquiries.

• Specific Standard Disclousures
  • Category: Economic
    • Material aspect: Economic performance

      DMA and Indicators	Page number or link	Identified omission(s)	Reason(s) for omission(s)	Explanation for omission(s)	Direct response / Observations	External assurance
      G4-DMA	Commitment with our communities/Corporate Social Responsibility Fund Financial performance
      G4-EC1	Commitment with our communities/Corporate Social Responsibility Fund Commitment with our communities/Fundación Gentera Commitment with our communities/Education Commitment with our communities/Volunteer work Financial performance/Financial and operating results
      Adición Sectorial G4-EC1	Commitment with our communities/Corporate Social Responsibility Fund Commitment with our communities/Fundación Gentera Commitment with our communities/Education Commitment with our communities/Volunteer work
      G4-EC3					All employees with six months’ minimum seniority may contribute a minimum and maximum percentage of their base salary to the plan, while the institution contributes an equal amount according to seniority and age -employees 2% and company 1% of the monthly base salary- (scope: Mexico -Yastás, Aterna, Intermex, branches and CEAS-).
      G4-EC4					Gentera does not receive economic support from the government.

    • Material aspect: Indirect economic impacts

      DMA and Indicators	Page number or link	Identified omission(s)	Reason(s) for omission(s)	Explanation for omission(s)	Direct response / Observations	External assurance
      G4-DMA	Commitment with our communities/Fundación Gentera Commitment with our communities/Education Commitment with our communities/Volunteer work
      G4-EC7	Leaders in financial inclusion/Yastás Commitment with our communities/Volunteer work
      G4-EC8	Sustainable growth Commitment with our communities/Education Commitment with our communities/Volunteer work Generation of Economic Value

  • Category: Enviromental
    • Material aspect: Overall

      DMA and Indicators	Page number or link	Identified omission(s)	Reason(s) for omission(s)	Explanation for omission(s)	Direct response / Observations	External assurance
      G4-DMA	Commitment with our communities/Corporate Social Responsibility Fund
      G4-EN31	Commitment with our communities/Corporate Social Responsibility Fund Financial performance/Financial and operating results

  • Category: Social
    • Sub-Category: Labor Practices and decent work
      • Material aspect: Employment

        DMA and Indicators	Page number or link	Identified omission(s)	Reason(s) for omission(s)	Explanation for omission(s)	Direct response / Observations	External assurance
        G4-DMA	Value chain leadership Leadership through service/The best place to work
        G4-LA1	Leadership through service/The best place to work
        G4-LA2	Leadership through service/Compensation and benefits
        G4-LA3	Leadership through service/Compensation and benefits

      • Material aspect: Labor/Management relations

        DMA and Indicators	Page number or link	Identified omission(s)	Reason(s) for omission(s)	Explanation for omission(s)	Direct response / Observations	External assurance
        G4-DMA	Leadership through service/The best place to work
        G4-LA4					In collective agreements the minimum notice period is established: two months prior for negociations and consultations.

      • Material aspect: Training and education

        DMA and Indicators	Page number or link	Identified omission(s)	Reason(s) for omission(s)	Explanation for omission(s)	Direct response / Observations	External assurance
        G4-DMA	Leadership through service/Skill development
        G4-LA9	Leadership through service/Skill development
        G4-LA10	Leadership through service/Skill development
        G4-LA11	Leadership through service/Performance evaluation

      • Material aspect: Diversity and equal opportunity

        DMA and Indicators	Page number or link	Identified omission(s)	Reason(s) for omission(s)	Explanation for omission(s)	Direct response / Observations	External assurance
        G4-DMA	Leadership through service/Equal opportunity
        G4-LA12	Leadership through service/The best place to work Management leaders/Board of Directors

      • Material aspect: Equal remuneration for women and men

        DMA and Indicators	Page number or link	Identified omission(s)	Reason(s) for omission(s)	Explanation for omission(s)	Direct response / Observations	External assurance
        G4-DMA	Leadership through service/Equal opportunity Leadership through service/Compensation and benefits
        G4-LA13	Leadership through service/Compensation and benefits

    • Sub-Category: Human rights
      • Material aspect: Non-discrimination

        DMA and Indicators	Page number or link	Identified omission(s)	Reason(s) for omission(s)	Explanation for omission(s)	Direct response / Observations	External assurance
        G4-DMA	Leadership through service/Equal opportunity
        G4-HR3					No complaints were received in the Denunciation Follow Up Area of the Code of Ethics and Conduct regar- ding any type of discrimination.

    • Sub-Category: Society
      • Material aspect: Local communities

        DMA and Indicators	Page number or link	Identified omission(s)	Reason(s) for omission(s)	Explanation for omission(s)	Direct response / Observations	External assurance
        G4-DMA	Commitment with our communities/Fundación Gentera Commitment with our communities/Volunteer work Commitment with our communities/Incluso
        G4-SO1	Sustainable growth/Financial education Commitment with our communities/Volunteer work
        FS13	Leaders in financial inclusion/Yastás Leaders in financial inclusion/Intermex
        FS14	Leaders in financial inclusion/Yastás

      • Material aspect: Anti-corruption

        DMA and Indicators	Page number or link	Identified omission(s)	Reason(s) for omission(s)	Explanation for omission(s)	Direct response / Observations	External assurance
        G4-DMA	Commitment with our communities/Corporate Social Responsibility Fund True to our beliefs/Code of Ethics and Conduct True to our beliefs/Regulatory compliance
        G4-SO4	Value chain leadership True to our beliefs/Code of Ethics and Conduct True to our beliefs/Regulatory compliance
        G4-SO5					No registered cases.

      • Material aspect: Public policy

        DMA and Indicators	Page number or link	Identified omission(s)	Reason(s) for omission(s)	Explanation for omission(s)	Direct response / Observations	External assurance
        G4-DMA	True to our beliefs/Sector Participation
        G4-SO6					Neither Gentera nor its companies make contributions, either monetary or in kind, to political parties or candidates for elected office in any of the three countries in which they operate.

      • Material aspect: Anti-competitive behavior

        DMA and Indicators	Page number or link	Identified omission(s)	Reason(s) for omission(s)	Explanation for omission(s)	Direct response / Observations	External assurance
        G4-DMA	True to our beliefs/Sector Participation
        G4-SO7					No lawsuits regarding this concept.

    • Sub-Category: Product Responsability
      • Material aspect: Customer health and safety

        DMA and Indicators	Page number or link	Identified omission(s)	Reason(s) for omission(s)	Explanation for omission(s)	Direct response / Observations	External assurance
        G4-DMA	Sustainable growth/Client protection
        G4-PR1	Leaders in financial inclusion/Aterna Sustainable growth/Financial education Sustainable growth/Client protection
        G4-PR2					During the reporting period no regulatory non-compliances were present relative to the impact on clients’ health and safety of products and services.

      • Material aspect: Product and service labeling

        DMA and Indicators	Page number or link	Identified omission(s)	Reason(s) for omission(s)	Explanation for omission(s)	Direct response / Observations	External assurance
        G4-DMA	Sustainable growth/Financial education Sustainable growth/Client protection
        G4-PR3	Sustainable growth/Client protection
        G4-PR4					During the reporting period no regulatory non-compliances were present relative to labeling of products and services.
        G4-PR5					Client satisfaction rate: 81%.

      • Material aspect: Marketing communications

        DMA and Indicators	Page number or link	Identified omission(s)	Reason(s) for omission(s)	Explanation for omission(s)	Direct response / Observations	External assurance
        G4-DMA	Sustainable growth/Client protection
        G4-PR6					Neither Gentera nor its companies offer products and services that are banned or under litigation. All of the products and services fully comply with applicable current regulations.
        G4-PR7					During the reporting period no non-compliances were present relative marketing communications.

      • Material aspect: Customer privacy

        DMA and Indicators	Page number or link	Identified omission(s)	Reason(s) for omission(s)	Explanation for omission(s)	Direct response / Observations	External assurance
        G4-DMA	Sustainable growth/Client protection
        G4-PR8					There are no founded complaints; however, Gentera –through the Information Confidentiality Area- responded to 89 ARCO rights claims, in accordance to what is established in article 28 of the LFPDPPP.

      • Material aspect: Compliance

        DMA and Indicators	Page number or link	Identified omission(s)	Reason(s) for omission(s)	Explanation for omission(s)	Direct response / Observations	External assurance
        G4-DMA	Sustainable growth/Client protection True to our beliefs/Regulatory compliance
        G4-PR9					In 2015 banking authorities issued no administrative sanctions, as there were no regulatory non-compliances regarding client health and safety, labeling or advertising.

  • Financial services sector disclosures
    • Aspect: Product portfolio

      DMA and Indicators	Page number or link	Identified omission(s)	Reason(s) for omission(s)	Explanation for omission(s)	Direct response / Observations	External assurance
      G4-DMA	Sustainable growth/Financial education Sustainable growth/Client protection True to our beliefs/Code of Ethics and Conduct True to our beliefs/Sector Participation
      FS6	Leaders in financial inclusion/Compartamos
      FS7	Leaders in financial inclusion/Compartamos Leaders in financial inclusion/Aterna
      FS8					Neither Gentera nor its companies have products or services that provide environmental benefits.

    • Aspect: Audit

      DMA and Indicators	Page number or link	Identified omission(s)	Reason(s) for omission(s)	Explanation for omission(s)	Direct response / Observations	External assurance
      G4-DMA	Sustainable growth/Financial education Commitment with our communities/Corporate Social Responsibility Fund Commitment with our communities/Volunteer work True to our beliefs/Regulatory compliance

    • Aspect: Active ownership

      DMA and Indicators	Page number or link	Identified omission(s)	Reason(s) for omission(s)	Explanation for omission(s)	Direct response / Observations	External assurance
      G4-DMA	True to our beliefs/Sector Participation
      FS10					In 2015, the Social Responsibility Fund and Fundación Gentera worked together with 160 suppliers on social and environmental issues.
      FS11	Commitment with our communities/Corporate Social Responsibility Fund				Neither Gentera nor its companies have assets that require environmental controls.