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،ﻚﻨﺑﺎﻓو يرﺎـ ـﺠﺘﻟا ﺔﻋﻮﻤﺠﻣ ﻞﺒﻗ ﻦﻣ ﺔﻴﻤﻨﺘﻟاو ﺎـ ـﻴﻘﻳﺮﻓإ يدﺎـ ـﻧ ﺲـ ـﺳﺄﺗ

ﺔﻳدﺎﺼﺘﻗﻻا ﺔﻠﻋﺎﻔﻟا تﺎـ ـﻬﺠﻟا ﻦﻴﺑ نوﺎﻌﺘﻟاو لدﺎـ ـﺒﺘﻟاو راﻮﺤﻠﻟ ﺔﺼﻨﻣ ﻮـ ـﻫو

تﺎﻳﺪﺘﻨﻤﻟاو تﺎﻴﻟﺎﻌﻔﻟا ﻦﻣ ﺪﻳﺪﻌﻟا يدﺎـ ـﻨﻟا ﻢﻈﻨﻳ .ﺔﻴﻘﻳﺮﻓﻹا ﺔــﻴﻟﺎﻤﻟاو

ءاﺮﺒﺨﻟاو ﻦﻳﺮﻤﺜﺘـ ـﺴﻤﻟاو لﺎﻤﻋﻷا داور ﻦـ ـﻴﺑ ﻊﻤﺠﺗ ﻲـ ـﺘﻟا تﺎـ ـﻋﺎﻤﺘﺟﻻاو

ﻦﻴﻳدﺎﺼﺘﻗﻻا ﻦـ ـﻴﻠﻋﺎﻔﻟا ﻊﻀﻳ ﻪـ ـﻧأ ﺎﻤﻛ .ﺔـ ـﻴﻣﻮﻤﻌﻟا تاراﺮـ ـﻘﻟا عﺎـ ـﻨﺻو

تﺎﻌﻴﺒﻤﻟا تاﺪـ ـﺣو ﻦـ ـﻣ ﻢﻋﺪﺑو ،ﺾـ ـﻌﺒﻟا ﻢـ ـﻬﻀﻌﺑ ﻊـ ـﻣ لﺎــﺼﺗا ﻰـ ـﻠﻋ

ةدﻮﺟﻮﻤﻟا ﻚﻨﺑﺎﻓو يرﺎﺠﺘﻟا ﺔﻋﻮﻤﺠﻣ ﻲﻓ ﺮـ ـﺸﻋ ﺔـ ـﺴﻤﺨﻟا كﻮﻨﺒﻠﻟ ﺔﻌﺑﺎﺘﻟا

ﻊﻳرﺎــﺸﻣو صﺮﻔﻟا ﺰﻴﻔﺤﺗ ﻰﻟإ ﺔﻄـ ـﺸﻧﻷا هﺬﻫ فﺪﻬﺗو .ﺎـ ـﻴﻘﻳﺮﻓإ ﻲـ ـﻓ

.ﺔﻴﻘﻳﺮﻓﻹا تﺎﻛﺮﺸﻟا ﻦﻴﺑ ﺔﻤﻴﻘﻟا ﻖﻠﺧ

ﺔﻴﻘﻳﺮﻓﻷا لوﺪﻟا ﻊﻴﻤﺠﻟ ﺔﻠﻣﺎﺷ ةردﺎﺒﻣ

يرﺎﻘﻟا دﺎﺼﺘﻗﻼﻟ ﺰﻔﺤﻣ

ﻚﻨﺑﺎﻓو يرﺎﺠﺘﻠﻟ ﺔﻴﺠﻴﺗاﺮﺘﺳا ﺔﻳرﺎﻗ ﺔﻌﻓار

6

ﺎﻴﻘﻳﺮﻓإ ﻲﻟوﺪﻟا ىﺪﺘﻨﻤﻠﻟ

ﺔﻳﺎﻋر ﺖﺤﺗ ﺔﻴﻤﻨﺘﻟاو

ﺔﻴﻤﻨﺘﻟاو ﺎﻴﻘﻳﺮﻓإ يدﺎﻧ

36

ﺬﻨﻣ تﺎﻋﺎﻄﻘﻟا ةدﺪﻌﺘﻣ ﺔﻤﻬﻣ

2016 ﺔﻨﺳ ﻲﻓ يدﺎﻨﻟا ﺲﻴﺳﺄﺗ

ﻲﻓ كرﺎﺷ ﺔﻟود 40 ﻦﻣ ﻞﺜﻤﻣ

ﺔﻴﻤﻨﺘﻟاو ﺎﻴﻘﻳﺮﻓأ يدﺎﻧ تاردﺎﺒﻣ

12

ةرﺎﻘﻟا ﻲﻓ ا

ً

ﺮﻘﻣ

5 000

ﺎﻴﻘﻳﺮﻓإ ﻦﻣ ﻂﻴﺸﻧ ﻮﻀﻋ

ﺔﻜﻳﺮﺸﻟا ناﺪﻠﺒﻟاو

21 000

25 700

ﻲﻓ ﻢﻈﻨﻣ ﻞﻤﻋ عﺎﻤﺘﺟا

ﺔﻴﺴﻴﺋﺮﻟا تﺎﻋﺎﻄﻘﻟا

ﺔﻴﻘﻳﺮﻓﻷا تادﺎﺼﺘﻗﻼﻟ

ﻮﻀﻋ 5000 ﺔـ ـﻴﻤﻨﺘﻟاو ﺎﻴﻘﻳﺮﻓإ يدﺎﻧ ﺔﻜﺒـ ـﺷ ﻢﻀﺗ ،ﻚﻟذ ﻰـ ـﻟإ ﺔـ ـﻓﺎﺿﻹﺎﺑ

ﺎﻫرﺎﺒﺘﻋﺎﺑو .2023 ﺔﻨـ ـﺳ ﺔﻳﺎﻬﻧ ﻲﻓ ءﺎـ ـﻀﻋﻷا لوﺪﻟاو ﺎـ ـﻴﻘﻳﺮﻓأ ﻲﻓ ﻂـ ـﺸﻧ

ﺎﻓو يرﺎـ ـﺠﺘﻟا ﺔـ ـﻋﻮﻤﺠﻣ ىﺮـ ـﺗ ،ةرﺎـ ـﻘﻟا ﻲـ ـﻓ ﻲـ ـﻜﻨﺒﻟا عﺎـ ـﻄﻘﻟا ﻲـ ـﻓ ا

ً

ﺪــﺋار

.ﺎﻴﻘﻳﺮﻓإ مﻮـ ـﻤﻋ هﺎـ ـﺠﺗ ﺎﻬﻣاﺰﺘﻟا ﺰـ ـﻳﺰﻌﺘﻟ ﺔﺻﺮﻓ ﺔـ ـﺼﻨﻤﻟا هﺬـ ـﻫ ﻲـ ـﻓ ﻚـ ـﻨﺑ

ﺔﻤﻬﻣ 36 ﻲﻟاﻮﺣ ﺔـ ـﻴﻤﻨﺘﻟاو ﺎﻴﻘﻳﺮﻓإ يدﺎﻧ ﺬـ ـﻔﻧ ،ﻖﻠﻄﻨﻤﻟا اﺬـ ـﻫ ﻦـ ـﻣو

،ﻚﻟذ ﻖــﻴﻘﺤﺘﻟو .2016 ﺔﻨـ ـﺳ ﻲـ ـﻓ ﻪﺋﺎـ ـﺸﻧإ ﺬﻨﻣ تﺎــﻋﺎﻄﻘﻟا ةدﺪـ ـﻌﺘﻣ

ﺔﻴﻘﻳﺮﻓﻹا ﺔﻳدﺎﺼﺘﻗﻻا تﻻدﺎﺒﺘﻟا ﺰﻳﺰﻌﺘﻟ ﺮـ ـﺸﻋ ﺎﺘﻨﺛﻻا ﻪﻋوﺮﻓ مﺪﺨﺘــﺳا

ﺎﻴﻘﻳﺮﻓإ يدﺎـ ـﻧ ﻞﻤﻌﻳ ،ﺔﻘﻳﺮﻄﻟا هﺬـ ـﻬﺑو .ةرﺎـ ـﻘﻟا ﻲﻓ ﻪـ ـﺘﻧﺎﻜﻣ ﺪـ ـﻴﻃﻮﺗو

ﺔﻠﻣﺎـ ـﺸﻟا ﺔﻳدﺎﺼﺘﻗﻻا ﺔﻴﻤﻨﺘﻟا ﺰـ ـﻳﺰﻌﺘﻟ ﻢﻏﺎﻨﺗ ﻲﻓ ﻚـ ـﻨﺒﻟاو ﺔــﻴﻤﻨﺘﻟاو

.ﺎﻴﻘﻳﺮﻓإ ﻲﻓ ﺔﻣاﺪﺘﺴﻤﻟاو

،ﺔﻴﻤﻨﺘﻟاو ﺎﻴﻘﻳﺮﻓإ يدﺎﻧ

ﺔﻴﻟﻮﻤﺷ ﺔﻴﻘﻳﺮﻓإ ﺔﻜﺒﺷ

ﺔﻳدﺎﺼﺘﻗﻻا تﻻدﺎـ ـﺒﺘﻟا ﺰﻴﻔﺤﺗ ﻰﻟإ ﺔﻴﻤﻨﺘﻟاو ﺎﻴﻘﻳﺮﻓإ يدﺎـ ـﻧ فﺪـ ـﻬﻳ

:لﻼﺧ ﻦﻣ ﺎﻴﻘﻳﺮﻓإ ﻲﻓ

ﺎﻴﻘﻳﺮﻓإ يدﺎـ ـﻧ ﻦ

ّ

ﻜﻤﻳ :ﺔﻳدﺎﺼﺘﻗﻻاو ﺔـ ـﻳرﺎﺠﺘﻟا تﻻدﺎـ ـﺒﻤﻟا ﺮﻴـ ـﺴﻴﺗ

.ﺔﻳرﺎﺠﺗ تﺎﻛاﺮﺷ ءﺎﺸﻧإو ﻞﺻاﻮﺘﻟا ﻦﻣ تﺎﻛﺮﺸﻟا ﺔﻴﻤﻨﺘﻟاو

ﺔﻴﻤﻨﺘﻟاو ﺎﻴﻘﻳﺮﻓإ يدﺎﻧ ﻊﺠـ ـﺸﻳ :ﺎﻴﻘﻳﺮﻓإ ﻲﻓ رﺎﻤﺜﺘﺳﻻا ﻊﻴﺠـ ـﺸﺗ

.ةرﺎﻘﻟا ﻲﻓ ﻲﻟوﺪﻟا رﺎﻤﺜﺘﺳﻻاو ﺎﻴﻘﻳﺮﻓإ ﻞﺧاد رﺎﻤﺜﺘﺳﻻا

ﻞﻤﻋ تﺎـ ـﺷرو ﺔﻴﻤﻨﺘﻟاو ﺎﻴﻘﻳﺮﻓإ يدﺎﻧ ﺮـ ـﻓﻮﻳ :ةرﺎﻘﻟا تارﺪـ ـﻗ ﺰـ ـﻳﺰﻌﺗ

.ﺎﻬﺗارﺪﻗ ﺰﻳﺰﻌﺗو رﻮﻄﺘﻟا ﻰﻠﻋ ﺔﻴﻘﻳﺮﻓﻹا تﺎﻛﺮﺸﻟا ةﺪﻋﺎﺴﻤﻟ

ﺔﺼﻨﻣ ﺔﻴﻤﻨﺘﻟاو ﺎـ ـﻴﻘﻳﺮﻓإ يدﺎـ ـﻧ ﺮﻓﻮﻳ :لﺎـ ـﻤﻋﻷا تﺎﻜﺒـ ـﺷ ﻦـ ـﻳﻮﻜﺗ

ﻢﻬﻀﻌﺑ ﻊﻣ ﻞﺻاﻮﺘﻠﻟ يدﺎـ ـﺼﺘﻗﻻا راﺮﻘﻟا عﺎـ ـﻨﺻو لﺎـ ـﻤﻋﻷا داوﺮـ ـﻟ

.ﺾﻌﺒﻟا

ﺎﻴﻘﻳﺮﻓإ يدﺎـ ـﻧ ﻚﻠﺘﻤﻳ :لﺎﻤﻋﻷا تاﺪـ ـﺋار تاﺪﻴـ ـﺴﻟا ﻊﻴﺠـ ـﺸﺗو ﻢﻋد

(تﺎﻴﻘﻳﺮﻓﻹا لﺎﻤﻋﻷا تاﺪـ ـﺋار ﻢﻋﺪﻟ) “يوﺎﻓﻮـ ـﺳ” ﺞﻣﺎﻧﺮﺑ ﺔـ ـﻴﻤﻨﺘﻟاو

.ﺎﻴﻘﻳﺮﻓإ ﻲﻓ ﺔﻴﺋﺎﺴﻨﻟا لﺎﻤﻋﻷا ةدﺎﻳر ﻢﻋدو ﺰﻴﻔﺤﺘﻟ

2023

يﻮﻨﺴﻟا ﺮﻳﺮﻘﺘﻟا

ﻚﻨﺑﺎﻓو يرﺎﺠﺘﻟا

47

Attijariwafa Bank التقرير السنوي 2023Attijariwafa Bank التقرير السنوي 2023Attijariwafa Bank التقرير السنوي 2023Attijariwafa Bank التقرير السنوي 2023Attijariwafa Bank التقرير السنوي 2023Attijariwafa Bank التقرير السنوي 2023Attijariwafa Bank التقرير السنوي 202301 Group profile01 Group profile01 Group profile01 Group profile01 Group profile01 Group profile01 Group profile01 Group profile01 Group profile01 Group profile01 Group profile01 Group profile01 Group profile01 Group profile01 Group profile01 Group profile02 Relational Group02 Relational Group02 Relational Group02 Relational Group02 Relational Group02 Relational Group02 Relational Group02 Relational Group02 Relational Group02 Relational Group02 Relational Group02 Relational Group03 Innovative Grop03 Innovative Grop03 Innovative Grop03 Innovative Grop03 Innovative Grop03 Innovative Grop04 Pan-african Group04 Pan-african Group04 Pan-african Group04 Pan-african Group04 Pan-african Group04 Pan-african Group05 International Standard Compliant Group05 International Standard Compliant Group05 International Standard Compliant Group05 International Standard Compliant Group06 Citizen Group06 Citizen Group06 Citizen Group06 Citizen Group06 Citizen Group06 Citizen Group06 Citizen Group06 Citizen Group06 Citizen Group06 Citizen Group06 Citizen Group06 Citizen Group06 Citizen Group06 Citizen Group06 Citizen Group06 Citizen Group06 Citizen Group06 Citizen Group06 Citizen Group06 Citizen Group06 Citizen Group06 Citizen Group06 Citizen Group06 Citizen Group07 Financial Report07 Financial Report07 Financial Report07 Financial Report07 Financial Report07 Financial Report07 Financial Report
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