Managing risk, creating value

In 2024, the Attijariwafa bank group rigorously

pursued the consolidation of its performance and

resilience, placing risk management at the heart

of its approach. Going well beyond its protective

function, this strategy fully played its role as a

lever for growth, reconciling risk control and

value creation.

By transforming regulatory constraints and

uncertainties into levers for action, the Group

was able to support the ambitions of its business

lines while maintaining a sustainable balance

between risk and return. Compliance, an integral

part of this dynamic, continued to play a central

role, ensuring strict adherence to standards while

preserving the Group's reputation and integrity.

This proactive, integrated and demanding

approach strengthens the Group's dif ferentiation,

consolidates the trust of its stakeholders and

supports its ability to generate long-term value.

Four key priorities supported this momentum: a

new risk appetite framework, the strengthening

of the risk management system, the controlled

development of lending and the acceleration of

digitalization supported by AI.

A new risk appetite framework

for better risk anticipation

Several initiatives have contributed to the

evolution of the risk appetite framework. In

2024, a new journey designed for corporate

customers, based on enriched external data, now

enables a more ref ined approach to prospects.

For individual customers, the system has been

strengthened through expanded collection of

internal and external data. The Group has also

supported its subsidiaries in establishing risk

appetite frameworks combining top-down and

bottom-up approaches. In addition, the ICAAP

and PRCI processes have been completely

overhauled in line with Bank Al-Maghrib's

requirements under the SREP, thereby

consolidating overall risk control.

98

rating score

A YEAR OF COMMITMENTS,

initiatives and pan-african growth

02

75

years

Attijariwafa bank