ŒŽŒ‘

The Group's digital transformation has reached a

new milestone, driven by a clear ambition: to of fer

a personalized, seamless, and engaging banking

experience, while strengthening operational ef Ïciency

and value creation. The complete overhaul of the

Attijari Mobile and Attijari Entreprises apps is a prime

example of this. These platforms are no longer simple

transactional interfaces, but true banking relationship

management hubs, integrating high value-added

services and personalized recommendations.

Digital journeys have been extended to cover all

customer needs: domestic and international transfers,

securities management, online subscriptions to

savings, insurance and credit products, and access to

targeted digital products. The Wafabourse platform

has also been redesigned to of fer smoother navigation

and greater user autonomy.

The Hissab Bikhir app, designed as part of the

Tadamoun of fering, embodies the Group's

commitment to f inancial inclusion.

With an estimated 75% of processes digitized,

95% customer satisfaction and strong growth in

usage, 2024 conf irms the Group's digital footprint. It

also marks the transition from a service digitization

approach to a data-driven strategy, where customer

knowledge, AI and cybersecurity become key drivers

of dif ferentiation and trust.

ŒŽŒ‘ ‡

In 2024, our commitment to quality resulted in

• Renewal of ISO 9001 certif ications for claims

management, electronic payment systems and

related services, securities and securitization,

with zero non-compliance.

• ISAE 3402 Type 2 certif ication for securities

activities covering the chain comprising

Customer Relationship Management, Securities

Account Keeping, Issuer and Investor Services,

as well as Collective Investment Undertaking

Depositary Services.

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