The Attijariwafa bank group continues to

deliver solid performance, buoyed by our

employees’ dedication and strong customer

conf idence. These results conf irm the

soundness of our development strategy and the

transformation process we have been pursuing

over the years.

They are the product of a clear vision, developed

through f ive-year strategic plans, all of which

have been driven by coherence and alignment

with our values, our goals and the positive

impact we wish to make on our ecosystem.

Our overall vision is to consolidate our position

as a leading African banking and f inancial

group, aiming for responsible and sustainable

growth in all the regions where we are present,

as well as in new territories.

Technology and innovation play a key role in all

the Group’s business lines, enabling us both

to expand and optimize the solutions we offer

our customers, and to boost our operational

performance. We believe that useful innovation

is the result of collaboration between a host

of players, which is why, year after year, we

have worked to build an ecosystem that brings

together employees digital talent and start

ups In the years to come we will continue

to develop our open innovation approach

to make it a driving force behind the digital

transformation of our business

The Attijariwafa bank group remains true to its

primary purpose and to its DNA. This means

standing by its customers, supporting their

development using the best instruments and

the most modern solutions, and supporting the

socio-economic development of the countries

in which we operate, whilst complying with

the highest international standards in terms

of compliance and ethics as we carry out our

missions.

Aware of the social and environmental

challenges we face, we will continue our

unwavering efforts in the area of CSR. We will

continue to meet our commitments and to

support our various stakeholders in a proactive

way, to help build a better, sustainable and

inclusive future.

We believe in the future of our Group and the

countries in which we operate and we will

always stand by our customers and partners

with passion and energy

‘‘

We will always stand

by our customers and

partners with passion

and energy.