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Attijariwafa bank pays particular attention to

respecting supplier payment terms. In 2024,

the average time for payment of invoices was

maintained at 5 days from receipt.

As a major player present throughout Morocco,

the Attijariwafa bank group encourages local

purchasing wherever possible. This approach

is in line with our desire to reduce procurement

costs while helping to boost the regional

economy.

In 2024, the majority of Attijariwafa bank's

suppliers are of Moroccan origin, with 86% of

them coming from the country, while regional

suppliers also account for a signif icant share,

representing 87% of the total panel of active

suppliers.

Furthermore in line with the Groups strategy

to promote the f inancial inclusion of Very Small

Small and Mediumsized Enterprises VSMMEs

the responsible and sustainable purchasing

approach aims to encourage purchases from this

category of companies

By 2024 SMEs will account for 76 of

Attijariwafa banks total panel of suppliers of

which 30 will be VSEs

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Attijariwafa bank adopts preventive measures

to avoid supplier dependency by limiting the

cumulative amounts of services provided by

each supplier to 35% of their total annual sales.

As part of this policy, suppliers are required to

provide information including their f inancial

statements to Group buyers have been made

aware of the importance of achieving an

appropriate balance between suppliers and

purchasing volume in their purchasing strategy

by family, in order to comply with this limit. In

the event of proven dependence, the Group

provides support to f ind alternative solutions.

M a k i n g R e s p o n s i b l e

p u r c h a s i n g

5 days average supplier

payment time by 2024

SMEs will account for

76 of the supplier

panel in 2024

A YEAR OF COMMITMENTS,

initiatives and pan-african growth

02

91

years

Attijariwafa bank