A n E S G I m p a c t s t r a t e g y

t o a d d r e s s m a j o r t r a n s i t i o n

c h a l l e n g e s

The Group's ambition is to accelerate its role

as a catalyst for sustainable transition in Africa

by supporting governments, businesses and

individuals in adopting more sober, inclusive and

responsible models. To this end, the ESG roadmap

is structured around the following key areas:

• Accelerating decarbonization: reducing

direct and indirect emissions (Scopes 1,

2, 3), implementing an energy and climate

plan, producing renewable energy for self-

consumption, and consolidated carbon

monitoring.

• Integrating ESG into core business lines:

green f inancing, technical assistance, climate

risk analysis, ESG project assessment,

application of the PCAF framework for

calculating f inanced emissions.

• Promoting social and economic inclusion:

through the expansion of programs such as Dar

Al Moukawil, support for entrepreneurship,

access to banking, and diversity, equity, and

inclusion policies.

• Strengthening responsible governance:

deployment of the ISO 37001-certif ied anti-

corruption management system, responsible

purchasing policy, risk and non-compliance

management, and promotion of an ethical

culture within the group.

By making this strategic shift, the Attijariwafa bank

group is conf irming its position as a benchmark for

sustainable f inance on the African continent and

its commitment to building a sustainable growth

model aligned with the environmental, social and

regulatory challenges of tomorrow.

As part of this initiative, the Group will publish

a structured, dedicated ESG report in 2025, in

line with international best practices for non-

f inancial reporting. This report will formalize

commitments, share measurable progress, and

enhance transparency for all stakeholders. It will

be available on both the corporate website,

attijariwafabank.com, and the investor portal,

ir.attijariwafabank.com.

 „

The Groups ESG approach was structured in

2024 around a global program integrated into

its strategic priorities Several environmental

initiatives have been launched These include

decarbonizing sites switching to LED lighting

smart energy management responsible

resource management and strengthening

sustainable f inance of ferings to support

customers in this transition

On the social front accessibility has been

signif icantly improved for people with

disabilities through specif ic adjustments and

greater awareness among teams. In addition,

solidarity partnerships have been forged,

demonstrating the Groups commitment to fair

and responsible inclusion

ESG governance has also been consolidated

through the implementation of crossfunctional

action plans rigorous monitoring using key

indicators and progressive governance in line

with international standards This structure

enables the Group to better anticipate regulatory

requirements strengthen stakeholder

conf idence and create sustainable value over the

long term

A YEAR OF COMMITMENTS,

initiatives and pan-african growth

02

81

years

Attijariwafa bank