E T H I C S: U N W A V E R I N G C O M M I T M E N T,

C O N S T A N T V I G I L A N C E

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In 2024, the Group’s ethics and compliance

framework was strengthened, supported by

a long-term change management strategy,

mobilizing all employees around an anchored

ethical culture. A Group Ethics Tour targeting

all regions and entities, the distribution of

awareness-raising memos backed up by teaching

aids assigned to all employees, and specif ic

presentations to management committees

have strengthened the appropriation of the

fundamentals of the Code of Conduct and the

anchoring of the Anti-Corruption Management

System. This dynamic has also been supported

by multi-channel communication, notably via

the intranet, the Mawarid Talent and VivaChange

programs, educational newsletters, in-house

radio and the roll-out of the new “Code of Ethics”

e-learning module, ensuring ongoing awareness-

raising geared towards individual and collective

vigilance to ensure that the right ref lexes are f irmly

anchored in day-to-day practices.

For the Attijariwafa bank group, professional ethics and deontology are at the

heart of its strategy, the daily lives of its employees and the bond of trust with

its customers and partners. In 2024, the Group pursued its commitment to an

honest, transparent and exemplary environment, through relentless mobilization

around the Anti-Corruption Management System (S.M.A-C) and the Code of Good

Conduct. This deep-rooted individual and collective commitment is an essential

pillar of irreproachable service quality in line with the Group's values.

Signature rate by

employees of the Code of

Conduct: 100%

Signature rate by employees

of the AntiCorruption Policy

100

SMAC training rate

98

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