0. MFI Social Performance
22 March 2017
MFI Social Performance
Deutsche Bank - Global Social Investments Group
June 7, 2012
Asad Mahmood
Managing Director
Global Social Investment Funds &
Community Development Finance Group
Deutsche Bank

1. Assessing and Monitoring MFI Social Performance
Deutsche Bank invests in MFIs that hold themselves to the highest standards of client care, transparency and product innovation
In evaluating MFIs, Deutsche Bank also looks at the softer elements of the institution, such as:
Mission
Culture
Spirit
Customer Focus
Transparency
Commitment to Dual Objectives
Customer focus is the most important element: Customer Service = Customer Value = Social Value
22/03/2017
2010 DB Blue template

2. Assessing and Monitoring MFI Social Performance (cont’d)
Deutsche Bank invests in MFIs that hold themselves to the highest standards of client care, transparency and product innovation
Deutsche Bank loan agreements with MFIs include the following social covenants and provisions:
Social Covenants
Conditions Precedent
MFI shall endorse and implement Client Protection Principles
Code of business ethics with respect to conduct with loan applicants
Management or Board shall establish and implement a verifiable process to monitor and evaluate MFI’s compliance with Client Protection Principles and take remedial action to correct any non-compliance
Adoption of Client Protection Principles
MFI shall consult credit history (as available from credit bureau) prior to awarding client loans to applicants
Policies requiring disclosure to loan applicants of prices, fees and taxes associated with client loans
MFI shall report to credit bureau (as applicable) debt outstanding and repayment performance with respect to its client loans
22/03/2017
2010 DB Blue template