Zero Tolerance: a confirmed

milestone by maintained

and consolidated ISO 37001

certification

Continuous improvement ef forts enabled the

maintenance of ISO 37001 certif ication being

maintained following the second external

surveillance audit, which concluded, for the

2024 annual review, with 0 non-conformities.

This recognition testif ies to the robustness of the

anti-corruption system deployed and certif ied

in 2022, and conf irms the Group's adherence to

the principle of “Zero Tolerance” to corruption

and inf luence peddling, whatever their form, in

all its activities and in all its banking entities and

networks, as well as at the level of its national

and international subsidiaries. This success

concludes the f irst three-year certif ication cycle

with f lying colors, consolidating the Group's

position as a benchmark in business ethics, in

line with its corporate social responsibility and

ESG approach.

Ethics alert system,

Speak-Up

The ethics alert system is governed by

procedures for reporting concerns and

managing alerts related to ethical issues, which

has been deployed with a view to ensuring

transparency as part of the Group's Anti-

Corruption Management System. This is an

internal and external mechanism for dealing

with any report of an ethical transgression.

Within this framework, all employees are

invited to report to the Group Ethics Of Ïcer, the

designated Ethics Alert Referent, any situation

or behavior that is contrary to the ethical

principles in force.

The change management process specif ic to

the ethics alert system continued in 2024 with

the same dynamic. One of the highlights of 2024

concerned the operation of the WeRadio in-

house radio station.

Oversight of the ethics alert system is ensured

by the Group Ethics Committee, which meets

once a year to review the results of ethics alerts

and the recommendations of the Group Ethics

Committee in terms of priorities and areas at

risk.

The results of ethical alerts of all kinds are taken

into account in the risk management system, so

that specif ic risk areas can be targeted.

A YEAR OF COMMITMENTS,

initiatives and pan-african growth

02

89

years

Attijariwafa bank