The Attijariwafa bank group has deployed a

number of high-impact use cases based on a more

ref ined use of its data. An augmented advisor,

automatically generating customer summaries,

personalized sales pitches and sales rebound

scenarios, has enhanced the quality, relevance

and responsiveness of commercial interactions.

An intelligent catalog, based on recommendation

engines, optimized the personalization of of fers in

real time, and the automated generation of credit

notes streamlined internal processes, reducing

processing times and improving traceability.

Artif icial Intelligence has also been put to good

use in key areas such as solicitation and claims

management, fraud detection, electronic banking

and corporate f inance, guaranteeing faster,

more reliable and more secure processing, while

strengthening alignment with specif ic expectations

of customers and regulatory requirements.

This dynamic falls within a long-term vision,

supported by strengthened data governance

a modernized infrastructure and a structured

internal training program The latter is aimed

at spreading a responsible customercentric AI

culture It conf irms the Groups positioning as a

pioneer in the intelligent use of data to enhance

the customer experience operational ef Ïciency

and the transformation of the Groups business

lines

In 2024, innovation has established itself as a

collective dynamic, integrated into everyday

practices. The Wenov Think & Make program,

innovation circles, learning expeditions, and

WeLab Boost have mobilized hundreds of

employees around concrete projects and co-

construction, test & learn, and rapid prototyping

approaches.

The Group has also strengthened its ties with the

ecosystem through a strategic partnership with

Al Akhawayn University and the 4th edition of the

Fintech Catalyst program with CEED Morocco.

More than half of the experiments resulting from

these collaborations have led to industrialized

solutions, illustrating the Group's ability to

transform innovation from idea to impact, serving

its businesses and customers.

This vibrant and inclusive culture has spread

widely through a variety of formats: educational

capsules, focus groups, immersive events, internal

innovation challenges, and daily interactions on

Viva Engage, which promote cross-functional

collaboration, the expression of ideas, and

collective ownership of innovation as a lever for

sustainable transformation.

The Group has enhanced the

customer experience through

the largescale integration of

artif icial intelligence particularly

generative AI with

more than twenty AI use cases

deployed in 2024

A YEAR OF COMMITMENTS,

initiatives and pan-african growth

02

71

years

Attijariwafa bank