A commitment

to all stakeholders

The Group recognises that generating economic benefits

while making a positive contribution to society and meeting

the expectations of its stakeholders is fundamental to

the long-term prosperity of a business. Therefore, it has

embarked on a process of Corporate Social Responsibility

(CSR).

This approach seeks to take into account the sustainable

development issues that are important to stakeholders,

focusing on their expectations and proactively engaging

with them.

• Financial performance

• Risk management

• Information transparency

• Long-term value creation

• Good governance

• Regulatory compliance

• Social dialogue and collective negotiation

• Training and career development

• Fair compensation

• Health, safety and welfare

• Non-discrimination

• Information transparency

• Adapted and accessible product offering

• Service quality

• Assistance in difficult situations

• Investissement socialement responsable

• Collaboration on common issues /

interests

• Fair treatment

• Balanced and sustainable relationship

Contribution to social economic

and environmental issues

Business ethics

Information quality and transparency

Sustainable finance

Job and business creation

Economic and social benefits

Taking rights and interests into account

Management of nonfinancial risks

Compliance with banking laws and regulations

Development of best pratices

Business ethics

Regulators and

supervisors

Communities

et territories

Civil society

Partners

Clients

Employees

Shareholders

and investors

• Negotiation of agreements with social partners

• Internal communication through various media

• Community days

• Annual review

• Sharing the Code of Conduct

• Branches ans specialized centers

• Various Group websites

• Online banking

• Client relations center

• Satisfaction surveys

• Mystery visits

• Banking mediation

• Innovative products and services

Organization of conferences debates

Sponsorship of funds ans skills

Academic partnerships

Press conferences

Press releases

Publications media appearances participation in trade fairs forums

Annual CSR reports

Financial contribution

Sponsoring of skills

Organization of events

Regional tours

Various partnerships

Dar Al Moukawil centers

Effective involvement in financial sector reform projects

Participation in major events federating the financial community

Active member of GPBMled projects

KEY FOCUS AREAS INTERACTIONS

• Contractual CSR clauses

• Assessments and progress plans

• Adoption of Responsible Purchasing Charter

• Participation in meetings of various organizations

(Maroc PME, GPBM, etc.)

• Strategic partnerships

• Regular communications to shareholders

• Board of Directors and various specialized committees

• Annual General Meeting

• Investor relations team

• Dedicated investor website

• Activity report