In line with the strengthening of its risk
management system, the Attijariwafa bank group
continued to manage its commitments rigorously
and proactively. By maintaining a rigorous risk
policy and mobilizing advanced management tools.
This proactive approach has limited exposure to
unforeseen risks while preserving asset quality, as
evidenced by the signif icant decrease in the number
of companies on the critical watch list.
In a still uncertain environment, the Group
continued its policy of proactive and prudent
provisioning The year was also marked by a notable
improvement in collection rates both in terms of
capital and income exceeding the billion mark and
thereby contributing to the strengthening of its
f inancial solidity
In line with the controlled development of lending,
signif icant progress was made in digitalization and
artif icial intelligence. Following the successful
implementation of several modules in the credit
chain, the Attijariwafa bank group continued the
digital transformation of its processes in 2024,
overseeing the overhaul of the credit approval
process, a cornerstone of the system. A new
solution developed inhouse was launched
reconciling commercial requirements and risk
control with automatic blocking of overdrafts
At the same time the f irst use cases for artif icial
intelligence were rolled out paving the way for
more agile and high valueadded processing
The associated data prerequisites were identif ied
and formalized in a data roadmap setting out the
framework for future developments
The Group has taken a new step forward in its commitment
to climate risk management by structuring a methodical
and proactive approach. An in-depth assessment,
including benchmarks and targeted evaluations, has
laid the foundations for a dedicated strategic roadmap,
ensuring that environmental issues are better integrated
into overall risk management. At the same time, the
delivery of Block 1 of the SGES marks a concrete step
towards management in line with regulatory standards.
C l i m a t e: T h e A t t i j a r i w a f a b a n k g r o u p
s e t s o u t i t s s t r a t e g i c r o a d m a p
A YEAR OF COMMITMENTS,
initiatives and pan-african growth
02
77
years
Attijariwafa bank