ANTI-CORRUPTION POLICY:

ZERO TOLERANCE

The Attijariwafa bank Group is

constantly striving to maintain

and reinforce the highest

standards of integrity and ethics,

both in its banking and f inancial

activities and in its internal and

external relations with national

and international stakeholders.

To this end, Attijariwafa bank

has made it a strategic priority

to implement an Anti-Corruption

Management System in 2021, at

the instigation of its Chairman

and CEO, in line with the national

anti-corruption strategy.

In this way, Attijariwafa bank

reasserts its “Zero Tolerance”

principle with regard to

corruption and inf luence

peddling, whatever their form,

in all its business activities

and in all its banking entities

and networks, as well as in

its national and international

subsidiaries.

Within this framework,

Attijariwafa Bank’s Anti-

Corruption Management System

(S.M.A-C) has been recognized

by an external approved certifying

body, “Euro Compliance”, for

all its business and support

processes in the Bank in

Morocco scope, at the end of a

conclusive audit, effective from

August 2022 ,16, for a three-year

certif ication period.

This ISO 37001 certif ication

follows on from the co-

construction of the anti-

corruption system, carried

out at the highest levels of

management as part of a broad-

based, participatory approach

that involved all internal

stakeholders.

It strengthens the Group’s ethics

system, in force since 2005, and

underpins its goal of positioning

itself as an active player in the

prevention and f ight against

this global scourge, alongside

actively mobilized national

authorities.

Guaranteeing integrity,

fairness and transparency

at every level of the Group

100 of

employees signed

the code of conduct

94 of the banks

workforce in

Morocco has been

trained in ethics