This document analyzes and compares three sustainable banks and global systemically important financial institutions (GSIFIs). It finds that the sustainable banks have higher loan-to-asset and loan-to-deposit ratios, indicating they contribute more to the real economy. The sustainable banks also have higher return on assets and faster asset and loan growth rates over 5 years. However, the GSIFIs operate more cost-efficiently with lower overhead and compensation ratios. In conclusion, while the sustainable banks and GSIFIs differ in their markets and performance, the sustainable banks generally show better support for communities and stronger financial growth.

1. A Qualitative and Quantitative Analysis of
Making a financial comparison with the GSIFIs.

2. Agenda
- Scope of Research
- Qualitative Comparison of 3 Sustainable Banks
- Financial Comparison of 3 Sustainable Banks
- Financial Comparison GSIFIs with Sustainable Banks
- Conclusions

3. Scope of Research
- Interviews with sustainable Banks
- Case studies and similar studies
- Literature
- Internet

4. Comparison
Market/Country Urban:
Literacy:
81 %
99 %
Urban:
Literacy:
74 %
99 %
Urban:
Literacy:
58 %
97 %
GDP growth: 3% GDP growth: 4% GDP growth: 6%
Inflation: 2% Inflation: 1% Inflation: 10 %
Female Parl.: 22 % Female Parl.: 33 % Female Parl.: 4%
GDP/Capita: 46,212$ GDP/Capita: 40,116$ GDP/Capita: 2,250$
History established 1946 established 1974 established 2001
Legal Entity cooperative cooperative shareholder owned
Innovation products & services products & services technology, basic
financial needs

5. Comparison
Sustainability Community development: low-
interest loans for low-income
Internal: Employee support SME finance, empowering
women
External: Green Projects
members
Products & Services Insurance services Asset management Wholesale franchise
Loans for housing cooperatives (charities, foundations), Testa loan solutions
ment
Education Work experience Anthroposophic in-house training center
programs at schools values, increasing amount of Teaching young customers
training
loans and services for SME and in particular
Focus Loans for low-income
members
charities/foundations women (60% borrower)

6. Financial Comparison
0.2
0.18
0.16
0.14
0.12
0.1 ROA calculated
0.08
ROE calculated
0.06
0.04
0.02
0
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011
In USD million 2007 2008 2009 2010 2011
Total Assets 14,380 11,892 13,736 14,848 15,816
Total Loans/Total Assets 89% 84% 79% 84% 82%
Loan Growth (One Year, Local Currency) 16% -3% -8% 10% 6%

7. Financial Comparison
0.09
0.08
0.07
0.06
0.05
ROA calculated
0.04
ROE calculated
0.03
0.02
0.01
0
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011
In USD million 2007 2008 2009 2010 2011
Total Assets 1,172 1,429 1,936 2,447 2,929
Total Loans/Total Assets 81% 84% 79% 76% 79%
Loan Growth (One Year, Local Currency) N/A 31% 25% 32% 26%

8. Financial Comparison
0.3
0.25
0.2
0.15
ROA calculated
0.1
ROE calculated
0.05
0
-0.05 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011
-0.1
In USD million 2007 2008 2009 2010 2011
Total Assets 122.9 163.4 222.9 380.8 594.6
Total Loans/Total Assets 70% 71% 61% 68% 65%
Loan Growth (One Year, Local Currency) 69% 48% 30% 66% 65%

9. Comparison: Sustainable Banks with GSIFIs
Comparison for 2001-2011
Sustainable
Ratio GSIFIs
Banks
Ø Loans/Assets 70.99% 40.91%
Weighted Ø Loans/Assets 69.35% 41.91%
Ø Deposits/Assets 71.44% 46.36%
Weighted Ø Deposits/Assets 72.72% 45.45%
Ø Net Loans/Deposit 118.70% 93.78%
Weighted Ø Net Loans/Deposit 102.74% 95.65%
Ø Return on Assets 0.88% 0.52%
Weighted Ø Return on Assets 0.82% 0.48%
Ø Return on Equity 9.05% 15.09%
Weighted Ø Return on Equity 10.63% 19.67%
Ø Equity/Assets 10.72% 5.25%
Weighted Ø Equity/Assets 8.12% 4.93%
Ø Overhead Ratio 79.48% 72.06%
Weighted Ø Overhead Ratio 72.47% 73.42%
Ø Compensation Ratio 47.12% 33.18%
Weighted Ø Compensation Ratio 35.79% 32.01%

10. Comparison: Sustainable Banks with GSIFIs
Comparison for 2001-2011
Sustainable
Ratio GSIFIs
Banks
5 year CAGRs (in USD)
Ø Assets 25.21% 14.48%
Weighted Ø Assets 14.28% 13.25%
Ø Loans 26.16% 13.25%
Weighted Ø Loans 14.63% 12.06%
Ø Deposits 24.90% 13.49%
Weighted Ø Deposits 14.37% 11.65%

11. Conclusions
Three GABV members:
- have similar core values
- operate in very different markets
- have different financial performance
When comparing Sustainable Banks with GSIFIs:
- Sustainable Banks are growing
- Sustainable Banks contribute more to the real economy
- Sustainable Banks are showing better performances
- GSIFIs operate more cost-efficient

12. Thank you for your attention!
Any Questions?