A Message From The Chief Executive

The Mexican Banking System maintains a commitment to the sustainable development of the country. Awareness of its main responsibility–to transform Mexicans’ savings into credit to finance productive activities and thus contribute to improving the living conditions of families— the bank has striven to offer added value in its activities with socially responsible and sustainable initiatives. Under this premise, the sector maintains a constant investment to drive the economic, social and environmental development of the country.

This mission is particularly relevant in the current conditions, which present an unprecedented opportunity to drive the economic and sustainable development of Mexico. As a consequence of the important structural reforms, we have a greater opening to private investment in strategic sectors, which ensures greater certainty to the financial sector to expand credit.

Our country has a strong macroeconomic structure, which is the result of a monetarily and fiscally responsible policy that combined with a flexible exchange rate, low debt levels and high international reserves, enables a panorama that stimulates competitiveness and investment.

Faced with this panorama, the Mexican Banking System is prepared to finance the growth of all economic sectors and achieve a greater coverage of financial products throughout the entire country. Proof of this are its healthy capitalization levels, qualified human capital, extensive experience, as well as a solid infrastructure in systems, an extensive network of branches and correspondent banks and an efficient electronic bank in full expansion.

Our vision is to finance greater economic growth from a sustainable perspective, in which the social, economic and environmental care and preservation factors maintain an equilibrium that drives society as a whole to reach greater levels of welfare.

With this vision, our associates have maintained, increased and initiated diverse programs to support the sustainability in the social, environmental, economic and ethical spheres, with special emphasis on:

Social Sphere
• Investing in social and liaison projects with the most disadvantaged communities
• Establishing dialog and communication channels with stakeholders
• Promoting the culture, arts and traditions of the country, as well as voluntary work
• Supporting communities affected by natural disasters
• Driving education as a social development strategy for the country
• Increasing the availability and variety of tools for the financial education of society

Environmental Sphere
• Measuring and identifying the carbon footprint of the Mexican Banking System
• Developing energy, water and paper saving projects in banking branches and offices
• Using and promoting sustainable energies in the banking operation
• Financing sustainable energy and infrastructure projects with social-environmental criteria

Economic Sphere
• Renewing and optimizing transactional channels
• Driving access to banking services and financial inclusion
• Managing customer satisfaction measurement and promotion tools
• Creating products and services focused on customers’ particular needs and capacities Ethical Sphere
• Developing ethical consulting channels for employees within financial institutions
• Maintaining means of appeal and defense of customers’ rights
• Training in the ethical standards of institutions, anti-corruption and money laundering prevention for employees and executives
• TDriving the development of sound corporate governance practices

Our country needs the professional and committed work of all: the participation of the companies, society and government to achieve greater states of well-being under a long- term sustainable vision. To achieve this, the Banking System is committed to playing a prominent role; therefore, we will continue investing and working from our environment sphere of action to contribute to building a Mexico better for all.

Asociación de Bancos de México