Attijariwafa bank group has shown great strength in 2023,

drawing on the efficiency of a diversified and integrated

model, while relying on the relevance of its strategic vision,

which has borne the desired fruit. This combination has

enabled us to achieve solid financial results and to reaffirm

every year our position as a Pan-African leader in banking

and finance.

Halfway through its implementation, our strategic plan

@mbitions 2025 is on track. Launched in February 2021,

this plan is designed to consolidate the Group's leadership

on the Continent, strengthen its positioning as a relational,

socially responsible and innovative bank, and to explore

further opportunities while ensuring shared and sustainable

growth.

We are moving forward with determination and method,

while remaining true to our mission : supporting our clients

in their projects, anticipating their needs and providing

increasingly effective solutions to continuously improve

their experience. To this end, and in line with our ambition

of being a resolutely technological bank, this year we

have intensified our investment in new technologies and

artificial intelligence, in order to strengthen our ability

not only to deliver the highest quality of experience to our

clients, but also to improve our operational efficiency.

During 2023, we reiterated our support for the development

of small and mediumsized businesses We have funded

more than 40000 projects and reached 420000 entrepreneurs

through Dar Al Moukawil thanks to strategic partnerships

Thousands of human stories lie behind these figures

young promoters who have seen their dreams come true

by receiving tailored solutions and support entrepreneurs

who have been able to grow their businesses and determined

women who have been empowered in their entrepreneurial

journeys These individual successes are also shared

victories that bear witness to the real impact of our

daytoday operations

As a socially conscious bank, our commitment to Corporate

Social Responsibility (CSR) has been a fundamental part

of our strategy for several years. We have integrated the

concept of sustainability into our investment decisions,

processes and activities within a structured CSR framework.

We pressed forward with our efforts to support and finance

projects that have a positive impact on communities and

the environment, while simultaneously raising the

awareness of our stakeholders of the importance of a

greener and more inclusive development.

The Group also invested heavily in meeting regulatory

compliance requirements by aligning itself with the best

international standards.

Our continental presence has been enhanced. Solid

performance was also recorded by our International Retail

Banking (IRB) subsidiaries. They now make a significant

contribution to the Group's results. In an unstable global

economy, this development highlights our ability to thrive

while fostering the progress and resilience of the local

economies in which we operate.

Moreover, through its subsidiaries, our Group is constantly

distinguishing itself as a catalyst for the development of

intra-African trade, a key lever in accelerating the continent's

transformation process. Whether it be through its

subsidiaries or its investor support services the Group

actively contributes to stimulating trade and driving

economic expansion on a PanAfrican scale

All these achievements have been driven by our men and

women our workforce They are the pillars of our ambitions

our most cherished capital Their commitment and

expertise are the engines of our success and it is they

first and foremost who are building the future of Attijariwafa

bank group each and every day

We have integrated the

concept of sustainability

into our investment

decisions and management

processes

Annual report

2023

Attijariwafa bank

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