1. © AIS 2002- 2012 G r o u p Social Impact Analysis Tools AIS Aplicaciones de Inteligencia Artificial Fern Software June, 2009

2. © AIS 2002- 2012 G r o u p © AIS 2002- 2012 Presented by:- AIS José Manuel Aguirre Jmanuel.aguirre@ais-int.com FERN SOFTWARE Eamon Scullin Eamon.Scullin@fernsoftware.com

3. © AIS 2002- 2012 G r o u p © AIS 2002- 2012 Content  Presentation of FERN SOFTWARE and AIS  AIS experience in economic and social impact tools  Data treatment and methodology – Input / Output  Efficiency analysis  Social Performance Task Force impact analysis

4. © AIS 2002- 2012 G r o u p © AIS 2002- 2012 Fern – History Since 1979

5. © AIS 2002- 2012 G r o u p © AIS 2002- 2012 Fern Software Worldwide

6. © AIS 2002- 2012 G r o u p © AIS 2002- 2012 M2 Size Functionality Increasing Functionality M2 Fern Microfinance Products

7. © AIS 2002- 2012 G r o u p © AIS 2002- 2012 Household Surveys Census Macroeconomic Indicators Social Performance Data Collection - MIS Institutional Efficiency and Social Impact Social Performance Standards Report Sources of Information

8. © AIS 2002- 2012 G r o u p © AIS 2002- 2012 AIS Worldwide Headquarters in Barcelona, Spain Four Branches International Alliances: Oracle, Microsoft, IBM, PWC, ESRI, Fern Software, Deloitte, Everis, AFI, Intel 100 employees in five countries Mexico since 1993 Argentina since 1994 Portugal since 1995 Chile since 2002

9. © AIS 2002- 2012 G r o u p © AIS 2002- 2012 Credit Risk Management Credit risk evaluation tools; scorings and ratings Credit management SCACS workflow Bad debts management Recovery Strategy Credit follow up SIC reporting +GMR engine Marketing “Habits” Demographics Marketing Data Mining Geo-marketing: External information supply AIS has developed measurement tools over the past twenty years Consulting: On Basel II Implementation Social Impact Analysis Data normalized, adjusted & distributed to software components Public census data and private data (financial, accounting, market) MIS, are connected Flexibility to add new parameters and ergonomic reporting system

10. © AIS 2002- 2012 G r o u p © AIS 2002- 2012 AIS Experience in Economic and Social Impact Tools  AIS developed the methodology to estimate the multi-dimensional “Alide Index”. -Evaluate the performance of Development Banks in Latin America. -Measures the economic impact and performance evaluation of those FI. -Tested in Institutions in Mexico, Argentina, Peru, Brazil and Costa Rica. -Carried out between 2006 and 2007, financed by the IADB and its results published by ALIDE (Asociación Latinoamericana de Instituciones Financieras para el Desarrollo) in December 2007.  AIS has also estimated the economic and social impact, (direct, indirect and induced) for the investment of the 46 Spanish Savings Banks, federated under the “CECA” (Confederación Española de Cajas de Ahorro). The methodology was published in 2005 by CECA “Valoración del Impacto de la Obra Social”.  From 2000 to 2004, AIS has developed and implemented the credit risk control systems for FI in Mexico (NAFIN SA, Financiera Rural and BANSEFI). These projects where financed and supervised by IADB or the World Bank.

11. © AIS 2002- 2012 G r o u p © AIS 2002- 2012 Financial Institution in Mexico (basic profile) Input / Output

12. © AIS 2002- 2012 G r o u p © AIS 2002- 2012 Wealth and Employment Creation Input / Output

13. © AIS 2002- 2012 G r o u p © AIS 2002- 2012 Impact Simulation Tools Efficiency Analysis

14. © AIS 2002- 2012 G r o u p © AIS 2002- 2012 COHESION  Clients coverage in each geographical area: number of service points, number of clients  Women outreach COVERAGE  Branch Network SERVICE  Clients who received enterprise services  Clients who received education services  Clients who received health services Cohesion, Coverage and Service Indicators

15. © AIS 2002- 2012 G r o u p © AIS 2002- 2012 Social Performance Indicators  Kind of enterprises  Number of staff members  Products and services  Training of staff  Market research  Number of clients  Effective annual interest rate  Clients coverage in each geographical area: number of service points, number of clients, bank branches  Women outreach  Clients outreach by lending type  Ethnic minorities  Social responsibility policy  Social responsibility to environment  Clients who received enterprise services  Clients who received education services  Clients who received health services  Employment  Clients above poverty line INPUTOUPUT

16. © AIS 2002- 2012 G r o u p © AIS 2002- 2012 Output Number of staff members Efficiency Frontier Training of staff Clients outreach by lending type Social Performance Indicators

17. © AIS 2002- 2012 G r o u p © AIS 2002- 2012 Social Performance Indicators

18. © AIS 2002- 2012 G r o u p © AIS 2002- 2012 Poverty Indicator SPAIN 1234512345 Poverty Indicator Barcelona Social Performance Indicators

19. © AIS 2002- 2012 G r o u p © AIS 2002- 2012 Input Output Tables Microeconomic employment effects comparison Economic Performance Indicators

20. © AIS 2002- 2012 G r o u p © AIS 2002- 2012 Thanks for your attention !!! AIS José Manuel Aguirre Jmanuel.aguirre@ais-int.com FERN SOFTWARE Eamon Scullin Eamon.Scullin@fernsoftware.com