David Woods, Managing Director

Victoria, 30 September 2015

Investing in sustainable global development

Who we are

• Pioneer in ethical investment and private financing for development

• Since 1975, € 2.1 billion invested through 1,670 partner

organizations

• People, planet, profit approach to financing

• Balance sheet today of nearly € 1 billion (approx. CAD 1.5 billion)

• 300 staff in 40 countries

• 53,000 shareholders

• Investment in 792 partner organizations

Microfinance today & in the future

The world today• Poverty remains a worldwide issue

• 1 billion financially excluded – gap between rich and poor

growing larger each year

• Conflict and political unrest continues to affect many countries

• Food security a global challenge, smallholder farmers feeling it most

• Environmental challenges

• Fossil fuels

• Energy shortages and outages

• Climate change

• Increased interest to tackle these issues and challenges

• Technology is changing the human landscape at rapid speeds

Sustainable development

We contribute to sustainable development in several ways:

•We invest in various different renewable energy projects – solar, hydro and biogas –

through a specialist unit

•We’ve taken considerable steps in implementing environmental sustainability into our

business model and implemented an environmental policy in 2013

•We assess environmental impact as part of our due diligence process with all prospective

partner organizations

•We are a signatory of the 2014 Global Investor Statement on Climate Change

•Our Agriculture unit focusses on financing organizations along the agricultural value

chain. This is a way of reaching smallholder farmers.

•We promote financial inclusion – a focus area of the UN’s Sustainable Development

Goals (SDGs)

SDGs

• SDGs were adopted earlier this week by the UN

• 17 goals that break down into 169 targets

• Access to financial services, including microfinance, is included as

targets in goals such as:

o “End poverty in all its forms everywhere”

o “Build resilient infrastructure, promote inclusive and sustainable

industrialisation, and foster innovation”

• Improving food security also defined as a goal

Financial inclusion in a changing world

The governments of low-income countries are increasingly targeting

financial inclusion. Alternative economies develop to support this:

• Mobile banking

• Self help groups

• Capacity building

• Remittances

• Savings

• Insurance

• Crowdfunding

Finance plus – capacity building • Oikocredit was one of the first social

investors to provide capacity building for

partner organizations, starting in 2007.

• Oikocredit takes the ‘finance plus’ approach:

we provide capacity building and technical

assistance in addition to providing credit.

• Capacity building is used to train small

cooperatives and their members in the

elements of financial management, and in

governance. More specialised services are

also provided.

Agriculture – the challenges

• Food security: 2050 world population 9.1 billion

• Food production would have to increase by 70% (from 2007 levels)1

• Boosting agricultural output of smallholder famers is important

Their challenges include:

1.Lack of resources to increase output: fertilizers, seeds, techniques

2.Sporadic power supply

3.Climate change

4.No alternatives to generating income

5.No access to finance

1Food and Agricultural Organisation (FAO)

Food security – tackling new frontiers

Oikocredit invests in initiatives which contribute to food security

•SEKEM, Egypt

•Yalelo, Zambia

•Idepro, Bolivia

Yalelo

The world tomorrow: our 2020 goals

• Our partners will reach 55 million people, 75% women

• Oikocredit’s financing will reach 2.5 million clients

• Four million jobs created

• As a result of direct financing by Oikocredit, 125,000 households will

gain access to clean energy

• Continue to reach more low-income countries

• Double our portfolio outstanding in Africa

• Higher assets and inflow, leading to 50% growth in our portfolio

• Grow our agriculture portfolio to € 200 million (CAD 300 million)

We all have a part to play

Thank you

"Let us treat others with the same passion and compassion with

which we want to be treated. Let us seek for others the same

possibilities which we seek for ourselves. Let us help others to grow,

as we would like to be helped ourselves."

- Pope Francis

Disclaimer

This document was produced by Oikocredit, Ecumenical Development Cooperative Society U.A. (Oikocredit International) with the greatest of

care and to the best of its knowledge and belief at the time of writing. The opinions expressed in this document are those of Oikocredit

International at the time of writing and are subject to change at any time without notice. Oikocredit International provides no guarantee with

regard to its content and completeness and does not accept any liability for losses which might arise from making use of this information.

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regard to any legal, regulator, tax or other consequences, if necessary with the help of a professional advisor.

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Every investment involves risk, especially with regard to fluctuations in value and return. It should be noted that historical returns and financial

market scenarios are no guarantee of future performance. Investments in foreign currencies involve the additional risk that the foreign currency

might lose value against the investor‘s reference currency.

Oikocredit International is a cooperative society with limited liability (coöperatieve vereniging met uitgesloten aansprakelijkheid) under the laws

of the Kingdom of the Netherlands.