Wednesday 26-Nov. Role of Financial and non- Financial Entities

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2 Monday 24-Nov Tuesday 25-Nov Wednesday 26-Nov Thursday 27-Nov Friday 28-Nov Daily Topic Financial Sector and Financial Inclusion Landscape Role of Authorities in the Financial Sector Role of Financial and non- Financial Entities Role of Banking Agents Non-banking sector 09:00-09:30 Registration Group Discussion Group Discussion Group Discussion Group Discussion 09:30-10:00 CNBV: Welcome remarks CNBV: Major regulatory changes to promote financial 10:00-10:30 CNBV: Financial Sector inclusion Landscape in Mexico 10:30-11:00 CNBV: Financial integrity 11:00-11:30 11:30-12:00 BBVA Bancomer: Products that SHCP:National Development promote financial inclusion 12:00-12:30 Plan and Financial Reform Field visit: Operations of a rural 12:30-13:00 16:00-16:30 18:00-19:00 19:00-20:00 20:00-21:00 CONDUSEF:Financial Education and Consumer Protection 16:30-17:00 CNBV and INEGI: Demand sidesurvey Cetesdirecto: 17:00-17:30 Widening the access to government securities 17:30-18:00 Gentera: Financial inclusion strategy NAFIN: SME financing programs Break Cultural Visit and Mexican Dinner CNBV: Regulation and supervision of the non-banking sector 13:00-13:30 Lunch Lunch Lunch 13:30-14:00 Program evaluation 14:00-14:30 Presentations from 14:30-15:00 participants Banxico:The role of the Central Banco Azteca: Products that Bank target low income sectors 15:00-15:30 15:30-16:00 CNBV: Financial inclusion diagnostic CNBV: Financial Inclusion data and measurements Banamex: Financial Inclusion and Education initiatives CNBV: Regulation of banking agents BANSEFI: Promoting financial services through banking agents DICONSA store Prodesarrolo: Microfinance network CAME: Operation of a SOFIPO Topics of interest to participants - Financial inclusion strategy. - Successful strategies for financial inclusion worldwide. - Financial inclusion measurement framework and monitoring model. - Communicating with stakeholders. - Financial inclusion policies and programs. - Basic accounts. - AML/CFT measures that promote financial inclusion without compromising financial integrity. - Proportionality and flexible risk-based approaches. - National risk assessment. - Consumer protection. - Financial Education. - Financial Education. - Mobile Banking. - SME Financing. - Basic accounts. - Communicating with stakeholders. - Rural Finance. - Supervision. - Banking agents. - Basic accounts. - Rural Finance - Supervision. - Importance of microfinance regulation.

3 Transportation will depart at 8:10 from Camino Real Hotel, 8:30 from Hotel Beverly and 8:40 from City Express Plus Insurgentes Sur 09:00-09:30 CNBV: Opening and registration CNBV: Welcome and opening remarks Presentation of the forum and the agenda Jaime González Aguadé, President of the CNBV Maria Fernanda Trigo, General Director of Access to Financial Services The National Baking and Securities Commission (CNBV) supervises and regulates the entities that make up the Mexican financial system, in order to ensure its stability and proper operation, and to maintain and to promote a healthy and balanced development. 10:00-11:00 CNBV: Financial Sector Landscape Current state of the financial industry and financial sector in Mexico Role and responsibilities of the CNBV José Loyola, General Director of International Affairs 11:00-11:15 Coffee break 11:15-12:45 CNBV: Financial Inclusion Landscape Current state of financial inclusion in Mexico National Council of Financial Inclusion Mariana Monge, Deputy General Director of Access to Financial Services 12:45-14:00 Lunch break

4 14:00-15:00 Delegates: Country presentations Information of countries and institutions Key learning questions Facilitator: Zaira Badillo, Director of Access to Financial Services 15:00-16:15 CNBV: Financial Inclusion data and measurements Financial inclusion databases The Report on Financial Inclusion (RIF) Laura Ramos, Director of Access to Financial Services Alejandro Guerrero, Director of Information Analysis 16:15-16:30 Coffee break 16:30-17:30 CNBV and INEGI: Demand side-survey The National Survey on Financial Inclusion (ENIF) Laura Ramos, Director of Access to Financial Services María de los Ángeles Cecilia Téllez Atonal, INEGI The National Institute of Statistics and Geography (INEGI) is an autonomous agency of the Mexican Government dedicated to coordinate the National System of Statistical and Geographical Information of the country.

5 Transportation will depart at 8:10 from Camino Real Hotel, 8:30 from Hotel Beverly and 8:40 from City Express Plus Insurgentes Sur 09:00-09:30 Group discussion: Key lessons learnt Comparison of country experiences CNBV: Major regulatory changes to promote financial inclusion Regulatory framework for banking agents, mobile banking, savings and credit institutions, niche banks, and electronic/card payments Maria Fernanda Trigo, General Director of Access to Financial Services 10:00-11:00 CNBV: Financial integrity Proportionate regulation and AML/CFT controls. Paulina Morfin, General Director of Prevention of Operations Involving Resources Derived from Illicit Sources 11:00-11:15 Coffee break 11:15-12:45 12:45-14:30 Lunch break SHCP: National Development Plan and Financial Sector Reform Financial inclusion public policies Objectives and impact of the Financial Reform Javier Suárez, Director de Estudios de Ahorro The Mexican Secretariat of Finance and Public Credit (SHCP) is the finance ministry. SHCP proposes and directs the Federal Government s economic policy in matters such as finances, tax, spending, income and public debt and statistics, geography and information, in order to ensure quality, equitable, inclusive and sustained economic growth. It is active in developing financial inclusion policy and is a member of the Alliance for Financial Inclusion.

6 14:30-15:30 Banco de México: The role of the Central Bank Role and responsibilities of the Central Bank Regulatory changes to promote financial inclusion José Luis Negrin, Director of Evaluation of Financial Services The Bank of Mexico (Banco de México or Banxico), is Mexico's central bank, monetary authority and lender of last resort. The Bank of Mexico is autonomous in exercising its functions, and its main objective is to achieve stability in the purchasing power of the national currency. 15:30-16:30 CONDUSEF: Financial Education and Protection of Financial Services Users Initiatives to promote consumer protection and financial literacy Speaker : Cristina Berra Deli, Director of Administration of the online portal CONDUSEF is a government agency that gives support, advice and orientation to users of financial services, promotes financial education amongst the Mexican population, and pursues a fair relationship between financial institutions and users of its products and services. 16:30-16:45 Coffee break 16:45-17:45 Cetesdirecto: Widening the access to government securities of the program of CetesDirecto Jorge Alberto Mendoza, Director General Adjunto de Captación Cetesdirecto is a Mexican Government Program established as an effort to promote and extend savings and investment in the country. This program allows small and medium investors to invest on government securities with accessible amounts and without commissions.

7 Transportation will depart at 8:10 from Camino Real Hotel, 8:30 from Hotel Beverly and 8:40 from City Express Plus Insurgentes Sur 09:00-09:30 Group discussion: Key lessons learnt Comparison of country experiences :15 11:15-11:30 Coffee break Banamex Major financial inclusion products (e.g., Transfer, Saldazo) Initiatives to improve financial literacy in Mexico Sergio Ramos, Vice President Consumer Bank Verónica Porte-Petit, Operative Director of Financial Education Banamex is the second largest Bank in Mexico. It was acquired by Citigroup in Educación Financiera Banamex is a Social Responsibility Program that promotes, since 2004, financial literacy to ensure a better quality of life and well-being. 11:30-12:30 BBVA Bancomer Simplified account products (e.g., Cuenta Express) Products focused in low income segments Carlos López Montezuma, Global Director for Financial Inclusion BBVA Bancomer is the largest financial institution in the country, dominating about 20% of the market. Since 2000 its main stockholder is the Spanish bank BBVA. The bank has developed numerous financial inclusion initiatives, such as the «Cuenta express», a deposit account that can be linked to a cellphone and has simplifies KYC requirements. 12:30-14:30 Lunch break

8 14:30-15:30 NAFINSA SME financing programs Rebeca Pizano Navarro, Deputy General Director of Development Nacional Financiera (Nafinsa) promotes the overall development and modernization of the industrial sector with a regional approach; stimulates the development of financial markets and acts as financial agent of the Federal Government in the negotiation, contracting and management of credits from abroad. 15:30-16:30 Gentera Company evolution from non-profit to profit Banking agent network, credit and insurance products Yerom Castro, Director of Financial Inclusion Alejandro Puente, Director of External Relations Gentera is a Mexican bank and the largest microfinance bank in Latin America, serving more than 2.5 million clients. The Bank is formed by a group of companies whose purpose is to eradicate financial exclusion through microfinance services including loans, savings, insurance, methods of payment, and financial literacy.

9 :30 Transportation will depart at 8:10 from Camino Real Hotel, 8:30 from Hotel Beverly and 8:40 from City Express Plus Insurgentes Sur 09:00-09:30 Group discussion: Key lessons learnt Comparison of country experiences 11:30-12:30 Coffee break CNBV: Banking agents Regulation Network growth and impact Javier de la Rosa, General Director of Supervision of Operational and Technological Risk 10:30-11:30 BANSEFI Introduction to Bansefi DICONSA network Othon Corona, Subdirector de Análisis de Mercados y Productos Bansefi, the National Savings and Financial Services Bank, is the state instrument to promote and coordinate the transformation of the semi-formal sector. Its main objectives are to promote savings, to develop central entities (e.g., L@ Red de la Gente, technological platforms) and to support the Popular Savings and Credit Sector through technical assistance and training). 12:30-16:30 Field visit: Banking Agents Operations of rural DICONSA Stores Financial services offered by DICONSA Stores DICONSA and Bansefi offer financial services to low-income, rural Mexican families that lack access to even basic financial services, through DICONSA s nationwide network of more than 23,000 rural stores.

10 16:30-17:30 Break 17:30-21:00 Optional cultural visit Turibus Mexican dinner For those who are interested, we will meet 17:30 at the entrance of the National Auditorium where we will board a City Bus that will give us a tour around the main sights of the historic center of Mexico City. After the city tour, we will meet for dinner with the rest of the participants and representatives from the CNBV. The dinner will take place at 19:30 in the terrace of the Grand Hotel Ciudad de México, located in Av. 16 de Septiembre # 82 Col. Centro.

11 Transportation will depart at 8:10 from Camino Real Hotel, 8:30 from Hotel Beverly and 8:40 from City Express Plus Insurgentes Sur 09:00-09:30 Group discussion: Key lessons learnt and comparison of country experiences :00 11:00-11:30 Coffee break CNBV: Non-banking sector Current state of the microfinance and cooperative sectors in Mexico Major participants and initiatives Regulation and supervision Carlos Foncerrada, Deputy General Director of Supervision of Credit and Savings Institutions Ramiro Álvarez, Deputy General Director of Supervision of Popular Financial Institutions 11:30-12:30 ProDesarrollo Functions and objectives of a Microfinance network Claudia Revilla, General Director ProDesarrollo is the national network of institutions that provide financial services, seeking to contribute to economic development and poverty alleviation through the efficient allocation of credit, savings, advice and training to the population living in poverty. 12:30-13:30 CAME Role and operation of a SOFIPO Financial inclusion strategy, initiatives, and products Federico Manzano, General Director CAME is Mexico's largest MFI, granting more than one million credits per year. CAME provides savings, credit products, financial education, and health insurance to its members. 13:30-14:00 Program evaluation

12 CNBV: Zaira Badillo: Office: Cellphone: zbadillo@cnbv.gob.mx Maria Fernanda Trigo: Office: Cellphone: mtrigo@cnbv.gob.mx Mariana Monge: Office: Cellphone: mmonge@cnbv.gob.mx Laura Ramos: Office: Cellphone: laramos@cnbv.gob.mx AFI: Carlos Moya: Cellphone: carlos.moya@afi-global.org Driver: Lucio: Cellphone: Addresses: Hotel: Camino Real Polanco, Mariano Escobedo 700, Anzures CNBV: Insurgentes Sur No. 1971, Col. Guadalupe Inn