The central dimensions and paradigms of financial inclusion

are poverty alleviation, economic development, equal

opportunities, crisis resiliency and social stability. A principle

that corresponds to the Group's vision and essence.

Accordingly, Attijariwafa bank has made it its mission to

support the most vulnerable and has developed a range of

banking products and services tailored to their needs.

Through its subsidiary Wafacash, which specialises in

banking services for low-income people, the Group is

committed to facilitating access to financial services through

several initiatives. Such initiatives cover the "Hissab Bikhir"

savings account, the "Floussy" payment card and "Jibi", the

first mobile payment account in Morocco. Moreover, the

subsidiary Attijari bank in Tunisia now offers its customers

the "Floussi" mobile payment application, developed in

partnership with the fintech company "Kaoun". This application

allows customers to make payments and transfers from

their smartphones safely and quickly. The launch of these

solutions and the Group's determination to implement them

demonstrate once again its commitment to financial

inclusion for all its customers.

Attijariwafa bank and Al Amana Microfinance have set up

an innovative scheme to give very small enterprises (VSEs)

and entrepreneurs access to adapted financial services

and financing products. As part of a strategic partnership,

the two parties are committed to promoting the growth of

the entrepreneurial fabric.

This collaboration has resulted in a wide range of microfinance

solutions to meet a variety of investment and cash

management needs. The main aim of this initiative is to

support the development of very small businesses, the

selfemployed and entrepreneurs In so doing it offers them

the support they need to grow their businesses

Always keen to promote financial inclusion, the Group

has put in place a wide range of services designed for

the artisan sector. Besides benefiting from a number of

tax exemptions, they also have access to remote

banking services, health and death insurance, and

financing solutions tailored to their needs, all at very

attractive rates.

Wafa Takaful, owned 100% by Wafa Assurance, is a subsidiary

operating through multiple distribution channels dedicated to

participatory banks. It offers a wide range of products, among which

are family protection in the event of death, comprehensive insurance

for financed assets, and a long-term savings plan to guarantee an

additional income in retirement. At the same time, the subsidiary

Attijariwafa bank Egypt has launched "Taamine lktissadi", a series

of insurance products that feature clear and simple underwriting,

fast payouts and competitive rates. This solution is part of a financial

inclusion programme initiated by the Egyptian authorities to meet

the needs of the population.

AN ACTIVE FINANCIAL INCLUSION

AN INSURANCE SCHEME MORE

ACCESSIBLE TO ALL

A PARTNERSHIP TO PROMOTE

MICROFINANCE

A dedicated offer for craftsmen

Annual report

Attijariwafa bank

59

2

million Jibi

accounts

25

million Hissab Bikhir

accounts opened

50000

microinssurance

policies distributed

2023