A CENTENARIAN GROUP, RESOLUTELY

FOCUSED ON THE FUTURE

In 2024, the Attijariwafa bank group resolutely

pursued its path of excellence and innovation, true

to the vocation that has guided its action for 120

years: to provide lasting for the economic and social

development of the countries in which it operates.

With its pan-African reach, the Group asserts its

leadership through a resolutely customer-oriented

model, combining performance, responsibility

and innovation. The year was marked by major

advances in the implementation of the @

mbitions 2025 strategic plan. In its fourth year of

deployment, the results are tangible: the Group is

transforming itself in depth, adapting with agility

to changes in its environment and strengthening

its position as a key player on the Continent. This

dynamic is supported by an ongoing strengthening

of our resilience, which guarantees our ability to

face uncertainties in the long term and create value

our entire environment.

Our strategy is based on a clear ambition: to

build a universal bank that is at once relational,

digital and inclusive. The acceleration of our

digital transformation has resulted in an enriched

omnichannel experience the deployment of

Bank 40 solutions and the integration of the

most advanced technologies to better serve our

customers This modernization is not an end in

itself it aims to guarantee greater proximity

improved accessibility and ever more f luid and

personalized service regardless of the channels

used

As a committed partner of economic ecosystems,

in 2024 the Group pursued its active support of

the entrepreneurial environment. From very small

businesses to large organizations, SMEs and

project holders, this commitment was ref lected

in the mobilization of our expertise, f inancing

solutions and support systems. For example, our

support for the development of SMEs, through

strategic partnerships has enabled us to assist

more than 700,000 entrepreneurs via the Dar Al

Moukawil platform. We are convinced that inclusive

development relies on a dynamic economy driven

by entrepreneurs, investors, ideas and talents

capable of transforming territories.

We have also intensif ied our ef forts in the areas

of corporate social responsibility, corporate

governance and human capital. This commitment

to excellence extends across all components of the

Group, dedicated to fostering sustainable, ethical,

and inclusive growth.

To sum up, 2024 was a year of action, results

and transformation. It f irmly anchors our Group

in modernity while honoring its foundational

principles It illustrates our commitment to

developing alongside our customers and partners

tomorrows f inancial solutions for more resilient

inclusive and competitive economies

We are moving toward the future with conf idence

buoyed by the commitment of our teams the loyalty

of our customers and the ambition to contribute

more than ever to the progress of our Continent

EDITORIAL OF CHAIRMAN AND CHIEF EXECUTIVE OFFICER

O F A T T I J A R I W A F A B A N K G R O U P

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