Our investment process

Before we invest and during the investment period, we carefully research the financing opportunity and assess its impact on the environment, employees and workers, communities and other stakeholders.

Our investments are guided by policies that ensure that integrity, development impact and ESG are at the heart of our operations and our way of working adheres to high ethical standards. The IFC Performance Standards (IFC PS) provide operational guidance to our ESG assessments, covering a range of environmental, social and human rights impacts.

As a bank, FMO runs the risk of becoming involved in money laundering or financing terrorism. FMO is also at risk of financing sanctioned entities or customers with a bad reputation in general. To mitigate such risks, we follow policies and procedures to deter criminal activity and ensure we do business with reputable customers. For more on FMO’s risk management please refer to the Risk Management section. Applicable investment policies and guidelines can be found on our website.