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Progress in steering was accompanied by an in-

depth review of corporate rating models, based

on a decade of consolidated data. This change

strengthened their predictive power and enabled

better control of credit risk. The system is now

fully operational, with a rating rate of 98%.

Specif ic models have also been developed for

f inance companies and holding companies

broadening the scope of rating and consolidating

the integrated risk management approach

At the same time, the scoring of retail customers—

very small businesses, professionals, and

individuals—has been optimized to improve the

ef fectiveness of credit decisions and accelerate

their digitization.

Enhanced support was provided to international

subsidiaries, particularly in Egypt and Tunisia,

through the introduction of a 2025-2028 roadmap

aimed at harmonizing practices and anticipating

regulatory changes.

This dynamic will result in the rating of more than

10000 businesses each year and the generation

of around 55000 scores for microbusinesses and

professionals

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