Attijariwafa Bank

With a presence in 15 African countries, Attijariwafa bank group

has tailored its development model to support individuals, small

businesses, SMEs and public institutions in the carrying out of

their projects. This extensive regional presence is testament to

the Group's willingness to make an active contribution to the

construction of a prosperous and cohesive Africa. Each of the

Group's subsidiaries operates autonomously, addressing regional

challenges and operating according to local economic circumstances.

The pan-African dimension also manifests itself in the Group's

role as a bridge between the economies of the North and the

South, but above all in forging stronger ties among the economies

of the South. As a major actor in the financing of intra-African and

intercontinental trade, Attijariwafa bank facilitates trade flows

between Africa and the rest of the world, thereby strengthening

the inclusion of African economies in the broader global economy.

In order to accomplish this mission, Attijariwafa bank relies on a

diversified and innovative range of financial services designed to

meet the needs of both large corporations and small and

medium-sized businesses, which are the drivers of Africa's economic

growth.

Driven by the same ambition to offer their customers the utmost

care through enhanced and innovative processes, the Group's

African subsidiaries reached significant breakthroughs regarding

relational excellence and innovative services in 2023. Such was

the case of Attijari Bank Tchad (ATB), which launched secure

money transfer services via Wafacash. The subsidiary also plans

to launch the "Believe in You" institutional campaign in the near

future, as well as the INFOCLIENT system for communicating

directly with its customers.

Meanwhile, CBAO, the Group's Senegalese branch, had previously

defined as its objective for 2023 the promotion, enrichment,

upgrading and visibility of the brand, mainly on the digital front.

The launch of “Orange Money Transfer”, a groundbreaking solution

for transferring money from bank accounts to all Orange Money

wallets, has fulfilled this goal. This solution gives customers greater

autonomy and reduces branch congestion. For added convenience,

CBAO has also rolled out “Woyofal”, a system that makes it easy

to top up electricity meters thanks to the CBAO Mobile application

Just like Woyofal the Rapido payment card recharge service

is also designed for quick topups

A CRUCIAL “PAN-AFRICAN”

ANCHORING

ATTIJARIWAFA BANK, A PIVOTAL PLAYER

IN THE FUNDING OF INTRA-AFRICAN

AND INTERNATIONAL TRADE

RELATIONAL EXCELLENCE &

BREAKTHROUGH INNOVATION

HIGHLIGHTS OF THE GROUP’S ACTIVITIES

IN AFRICA

Direct offices Direct offices

PP Agencies PP Agencies

Business centres

Excluding intermediaries Excluding intermediaries

Networks

Associates

Customers number

AWB Egypt

ABT

ABM

CBAO

CBAO Benin

CBAO Niger

CBAO Burkina Faso

SIB

BIAT

BIM

CDS

CDC

SCB

UGB

AWB Chad

185

1 392

1 720

244

1 088

921

185

390

155

179

614

316

176 028

1 056 586

26 265

378 322

1 064

2 247

14 524

384 259

27 178

283 780

20 716

43 941

222 390

127 504

581

Annual report

2023

Attijariwafa bank