Gentera B de C : 2021 Annual and Sustainability Report

Strength and trust

2021 ANNUAL AND SUSTAINABILITY REPORT

Letter from our

Chairmen

2-22

More than three decades ago, Gentera was born with the dream of bringing opportunities for inclusion and development to millions of people. at impetus is still alive and having a strategic clarity allowed us to overcome the challenges of 2021 and recover the growing path

Today, along with constant evolution, we remain true to the purpose of boosting dreams through human-meaning financial solutions. We have the privilege of serving millions of people in Mexico and Peru, generat- ing social, human and economic value.

We all know how the COVID-19 pandemic has affected our countries and the effects millions suffered on their health, family and wealth. We knew, from the Board of Directors, through the management team and

Chairman of Gentera

Carlos Danel

each of the employees, that we had to do everything humanly possible to honor the trust that our clients have placed in us and keep our value offering relevant.

We followed the example of our clients, who have continuously adapted to the circumstances of the environment

erefore, in 2021, we focused our efforts on the recovery of our cli- ents' businesses, knowing that this would have a positive impact on local economies and, therefore, on the results proposed to definitively overcome the challenges that 2020 brought.

demic. is demonstrates our conviction of working for our clients and confirms that having the person at the center of the actions, act- ing ethically and doing the greatest possible good, generates results.

We followed the model of our clients, who have continuously adapted to the circumstances of the environment, demonstrating their resilience to reactivate their businesses and with it, productive activities.

Aware of the challenges we face at a global level, we are working on our sustainability strategy, which will set the tone to address the environmental, social and corporate governance (ESG) issues that are priorities for our business.

Enhancing the economic development of communities and the well-be- ing of families is fundamental for those we serve. us, our offer be- came a relevant tool in its recovery. From Gentera, we were close as a constant ally, with the necessary resources, with accessible financial products and services that responded to the immediate needs and con- text of our clients.

We thank all our employees, who contributed with their talent, effort and commitment to achieve the results we obtained this year. We re- main focused on serving our clients in the best way, with the passion that characterizes us.

2021 was a year of great achievements, which we see reflected in the business results that are at levels close to those we had before the pan-

At Gentera, we will continue to boost the dreams of our clients, solving their financial needs with human sense, permanently placing the person at the center of our actions and decisions both present and future.

Carlos Labarthe and Carlos Danel

Chairmen of Gentera

Letter from our CEO

2-22

Facing an environment in constant transfor- mation and with substantial challenges, we achieved a year of recovery in Gentera, ac- complishing in 2021 very positive results hand in hand with our clients

In this context, many microentrepreneurs and communities managed to prosper due to the access to convenient financing options according to their needs.

Aware of this reality, we maintained the closeness and warmth in the value offering of each of our companies. With a timely diagnosis, we generated a clear strategy to be increasingly efficient, flexible, scalable and agile to serve millions of people.

We remained focused on transforming our operation and technological architecture. We continued to develop digital solutions for our clients and employees. We moved Compartamos Banco's operations to the cloud, which places us as one of the first financial institutions in Mexico to operate under these characteristics, complying with the applicable regulatory and security requirements.

Enrique Majós

Chief Executive Officer of Gentera