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Financial Highlights December 2019
Attijariwafa bank 2019 Group’s Profile Attijariwafa bank is a leading banking and financial Group in North Africa, WAEMU (West African Economic and Monetary Union) and EMCCA (Economic and Monetary Community of Central Africa).. Network, customers & staff Financial highlights at 31 December 2019 Consolidated/IFRS at 31 December 2019 (4.4 %) 5,265 Branches Total assets 532.6 Billion MAD 3,508 Branches in Morocco Net banking income (4.9 %) 23.5 Billion MAD Branches in North Africa 302 (3.2 %) Net income 7.0 Billion MAD 688 Branches in West Africa Net income group share (1.9%) 697 Branches in Central Africa 5.8 Billion MAD Branches in Europe and the ROE (1) 14.8 % NPL ratio 6.6 % 70 Middle East and America ROA (2) 1.3 % Coverage ratio 95.1% employees Total Capital ratio (3) 13.0 % Cost-to-Income ratio 47.8 % 20,602 Core Tier 1(3) 10.2 % Cost of risk 0.46 % million customers 10.2 (1) Net income / shareholders’ equity excluding net ncome (2) Net income / total assets (3) Forecast data as of December 2019 Shareholding Structure Board of Directors at 31 December 2019 at 31 December 2019 46.4 % Mr. Mohamed EL KETTANI Chairman of the Board Mr. Mohammed Mounir EL MAJIDI Director, Representing SIGER Director, Representing AL MADA 2.9 % Mr. Hassan OURIAGLI 5.1% Mr. Abdelmjid TAZLAOUI Director 27.4 % 18.1 % Mr. Aymane TAUD Director Mr. Abed YACOUBI SOUSSANE Director Mr. José REIG Director Mr. Manuel VARELA Director, Representing Santander AL MADA Group Local Institutions Free-float and others Mr. -
Social Bond Casa Ip November
CREDIT AGRICOLE SA SOCIAL BOND NOVEMBER 2020 INVESTOR PRESENTATION Disclaimer This document has been prepared by Crédit Agricole S.A. on the basis of proprietary information and is available on its website (https://www.credit-agricole.com/finance/finance/espace- investisseurs/dette). It may not be reproduced by any person, or be forwarded or distributed to any person unless so authorised by Crédit Agricole S.A.. Failure to comply with this directive may result in a violation of applicable laws. None of Crédit Agricole S.A. or its affiliates, advisers, dealers or representatives takes any responsibility for the use of these materials by any person. This document does not constitute regulated financial information on Crédit Agricole S.A. and Crédit Agricole Group. Regulatory financial information comprises the periodic financial results presentations, the financial reports, the registration document and the updates thereto, which are available on Crédit Agricole S.A.’s website (https://www.credit- agricole.com/en/finance/finance/financial-publications). Some of, but not all, the data presented in this document is derived from the aforementioned regulatory financial information. Save for the data that has been directly extracted from publications which have been reviewed by the Statutory auditors of Crédit Agricole S.A., the information contained in this document has not been independently verified. No representation or warranty expressed or implied is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained herein. None of Crédit Agricole S.A. or its affiliates, advisers, dealers or representatives, or any other person, shall have any liability whatsoever (in negligence or otherwise) for any loss arising from any use of this document or its contents or otherwise arising in connection with this document. -
University of Florida Thesis Or Dissertation Formatting
HOW AN ISLAMIC SOLUTION BECAME AN ISLAMIST PROBLEM: EDUCATION, AUTHORITARIANISM AND THE POLITICS OF OPPOSITION IN MOROCCO By ANN MARIE WAINSCOTT A DISSERTATION PRESENTED TO THE GRADUATE SCHOOL OF THE UNIVERSITY OF FLORIDA IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE DEGREE OF DOCTOR OF PHILOSOPHY UNIVERSITY OF FLORIDA 2013 1 © 2013 Ann Marie Wainscott 2 To Tom and Mary Wainscott 3 ACKNOWLEDGMENTS It is hubris to try to acknowledge everyone who contributed to a project of this magnitude; I’m going to try anyway. But first, another sort of acknowledgement is necessary. The parsimonious theories and neat typologies I was taught in graduate school in no way prepared me to understand the tremendous sacrifices and risks of physical and psychological violence that individuals take in authoritarian contexts to participate as members of the political opposition; that is something one learns in the field. I’d like to begin the dissertation by acknowledging my deep respect for those activists, regardless of political persuasion, whose phone calls are recorded and monitored, who are followed every time they leave their homes, who risk their lives and the lives of those they love on behalf of their ideals. For those who have “disappeared,” for those who have endured torture, sometimes for years or decades, for those who are presently in detention, for those whose bodies are dissolved in acid, buried at sea or in mass graves, I acknowledge your sacrifice. I know some of your stories. Although most of my colleagues, interlocutors and friends in Morocco must go unnamed, they ought not go unacknowledged. -
Accéder À L'inventaire (Pdf)
Archives de la Défense ARCHIVES DES DIRECTIONS ET CHEFFERIES DU GENIE REPERTOIRE NUMERIQUE SOUS-SERIE GR 5 V Archives du commandement et de la direction du génie du Maroc GR 5 V 1-51 Sous la direction du capitaine Valérie CANIART Chef de la section des archives techniques Mis à jour par Clotilde Sablon du Corail Chef de la division des archives techniques et de l’information géographique Vincennes, novembre 2010 INTRODUCTION Le S.H.A.T. a reçu au mois de mars 1989 les archives du Commandement et de la direction du Génie du Maroc ; elles provenaient de la caserne Bernadotte où elles étaient stockées à l'arrondissement des travaux du génie de Pau depuis une date indéterminée. Des portefeuilles renfermant des calques en mauvais état complétaient ce versement. Les documents conservés dans des chemises sans classement apparent n'avaient subi aucun tri préalable et étaient dans le plus grand désordre. L'examen de l'ensemble du fonds n'a pas permis de retrouver trace du cadre de classement propre aux archives du génie ; de plus, les documents recouvrent une période chronologique (1920-1960) durant laquelle l'organisation territoriale du service du génie au Maroc a constamment évolué : c'est ainsi qu'en 1924, il n'existait que deux directions, Casablanca et Fez, puis en 1935, s'ajouta celle de Meknès. Après la guerre, une restructuration vient encore bouleverser l'organisation existante ; une chefferie a pu ainsi dépendre successivement de plusieurs directions et les papiers d'une même affaire se trouvent ainsi dispersés dans différents dossiers. Aussi a-t-il parut plus cohérent d'adopter un classement par place qui permet de suivre l'évolution des problèmes domaniaux propres à une chefferie. -
Revue De La Presse Du 11/10/2013
Revue de la presse du 11/10/2013 Le Maroc et les Îles Canaries s'allient Le Maroc participe à la 4ème édition du Salon atlantique de logistique et du transport (SALT) comme invité d’honneur. Elle a lieu du 9 au 11 octobre 2013, à Las Palmas. C'est la deuxième participation consécutive du Maroc, comme invité d’honneur. Ce salon vise à concentrer les efforts sur la consolidation des progrès réalisés lors des précédentes éditions en vue d'améliorer les liaisons maritimes et aériennes et de développer davantage les relations commerciales entre les Iles Canaries et l'Afrique, notamment le Maroc. À l’occasion de la tenue de cette quatrième édition, la délégation marocaine a présenté le cluster de la Logistique et du Transport de la région de Souss Massa Drâa (SMD). S'exprimant à cette occasion, Younes Tazi, Directeur Général de l'Agence Marocaine de Développement de la Logistique (AMDL), a rappelé que la compagnie aérienne Royal Air Maroc (RAM) proposera à compter du 29 octobre 2013 une liaison entre Casablanca et Tenerife. • Annahar Al Maghribya • Le Maroc se cherche une place sur l'échiquier international Longtemps centré dans ses rapports sur l'Union Européenne et les USA, le Maroc est aujourd'hui obligé de diversifier sa politique étrangère. Dans une récente étude, l’IMRI fixe les priorités de la diplomatie marocaine pour mieux se positionner sur l'échiquier international. C‘est le moment ou jamais pour le Maroc de diversifier sa politique étrangère. Ce constat est celui de l'institut marocain des relations internationales (IMRI) qui vient de rendre publique une étude sur les priorités géopolitiques du Maroc. -
S O N a S I D R a P P O R T a N N U
SONASID Rapport Annuel 2 0 1 0 [Rapport Annuel 2010] { S ommaire} 04 MESSAGE DU DIRECTEUR GÉNÉRAL 06 HISTORIQUE 07 PROFIL 09 CARNET DE L’ACTIONNAIRE 10 GOUVERNANCE 15 STRATÉGIE 19 ACTIVITÉ 25 RAPPORT SOCIAL 31 ÉLÉMENTS FINANCIERS 3 [Rapport Annuel 2010] Chers actionnaires, L’année 2010 a été particulièrement difficile pour l’ensemble Sonasid devrait en effet profiter d’un marché international des entreprises sidérurgiques au Maroc qui ont subi de favorable qui augure de bonnes perspectives avec la plein fouet à la fois les fluctuations d’un marché international prudence nécessaire, eu égard des événements récents Message du perturbé et la baisse locale des mises en chantier dans imprévisibles (Japon, monde arabe), mais une tendance { l’immobilier et le BTP. Une situation qui a entraîné une qui se confirme également sur le marché local qui devrait réduction de la consommation nationale du rond-à-béton bénéficier dès le second semestre 2011 de la relance des Directeur General qui est passée de 1500 kt en 2009 à 1400 kt en 2010. chantiers d’infrastructures et d’habitat social. } Un recul aggravé par la hausse des prix des matières premières, la ferraille notamment qui a représenté 70% du Nous sommes donc optimistes pour 2011 et mettrons prix de revient du rond-à-béton. Les grands consommateurs en œuvre toutes les mesures nécessaires pour y parvenir. d’acier sont responsables de cette inflation, la Chine en Nous avons déjà en 2010 effectué des progrès notables au particulier, au détriment de notre marché qui, mondialisé, a niveau de nos coûts de transformations, efforts que nous été directement affecté. -
Rule of Law in Morocco: a Journey Towards a Better Judiciary Through the Implementation of the 2011 Constitutional Reforms
RULE OF LAW IN MOROCCO: A JOURNEY TOWARDS A BETTER JUDICIARY THROUGH THE IMPLEMENTATION OF THE 2011 CONSTITUTIONAL REFORMS Norman L. Greene I. OVERVIEW AND INTRODUCTION ........................ 458 A. Rule ofLaw and Judicial Reform ....................... 458 B. What Is a Good JudicialSystem: Basic Principles................459 C. The Key Elements: Independent Structure, Behavior and Education, andAccess ........................... 462 * Copyright C 2012 by Norman L. Greene. The author is a United States lawyer in New York, N.Y. who has written and spoken extensively on judicial reform, including judicial independence; the design of judicial selection systems and codes; and domestic and international concepts of the rule of law. See e.g., Norman L. Greene, The Judicial Independence Through Fair Appointments Act, 34 FORDHAM URB. L.J. 13 (2007) and his other articles referenced below, including Norman L. Greene, How Great Is America's Tolerancefor Judicial Bias? An Inquiry into the Supreme Court's Decisions in Caperton and Citizens United, Their Implicationsfor JudicialElections, and Their Effect on the Rule of Law in the United States, 112 W.VA. L. REV. 873 (2010), and Norman L. Greene, Perspectivesfrom the Rule of Law and InternationalEconomic Development: Are There Lessons for the Reform of Judicial Selection in the United States?, 86 DENV. U. L. REV. 53 (2008). He has previously written a number of articles regarding Morocco, including its judiciary, its history, and Moroccan-American affairs. His earlier article on the Moroccan judiciary was published before the adoption of the 2011 Moroccan constitutional reforms as Norman L. Greene, Morocco: Beyond King's Speech & Constitutional Reform: An Introduction to Implementing a Vision of an Improved Judiciary in Morocco, MOROCCOBOARD NEWS SERVICE (Apr. -
Cadastre Des Autorisations TPV Page 1 De
Cadastre des autorisations TPV N° N° DATE DE ORIGINE BENEFICIAIRE AUTORISATIO CATEGORIE SERIE ITINERAIRE POINT DEPART POINT DESTINATION DOSSIER SEANCE CT D'AGREMENT N Casablanca - Beni Mellal et retour par Ben Ahmed - Kouribga - Oued Les Héritiers de feu FATHI Mohamed et FATHI Casablanca Beni Mellal 1 V 161 27/04/2006 Transaction 2 A Zem - Boujad Kasbah Tadla Rabia Boujad Casablanca Lundi : Boujaad - Casablanca 1- Oujda - Ahfir - Berkane - Saf Saf - Mellilia Mellilia 2- Oujda - Les Mines de Sidi Sidi Boubker 13 V Les Héritiers de feu MOUMEN Hadj Hmida 902 18/09/2003 Succession 2 A Oujda Boubker Saidia 3- Oujda La plage de Saidia Nador 4- Oujda - Nador 19 V MM. EL IDRISSI Omar et Driss 868 06/07/2005 Transaction 2 et 3 B Casablanca - Souks Casablanca 23 V M. EL HADAD Brahim Ben Mohamed 517 03/07/1974 Succession 2 et 3 A Safi - Souks Safi Mme. Khaddouj Bent Salah 2/24, SALEK Mina 26 V 8/24, et SALEK Jamal Eddine 2/24, EL 55 08/06/1983 Transaction 2 A Casablanca - Settat Casablanca Settat MOUTTAKI Bouchaib et Mustapha 12/24 29 V MM. Les Héritiers de feu EL KAICH Abdelkrim 173 16/02/1988 Succession 3 A Casablanca - Souks Casablanca Fès - Meknès Meknès - Mernissa Meknès - Ghafsai Aouicha Bent Mohamed - LAMBRABET née Fès 30 V 219 27/07/1995 Attribution 2 A Meknès - Sefrou Meknès LABBACI Fatiha et LABBACI Yamina Meknès Meknès - Taza Meknès - Tétouan Meknès - Oujda 31 V M. EL HILALI Abdelahak Ben Mohamed 136 19/09/1972 Attribution A Casablanca - Souks Casablanca 31 V M. -
Annual Report Annual Report
Twin Center, Tour A, Angle Boulevards Zerktouni et Al Massira Al Khadra BP 5199, Casablanca Tél : +212 5 22 59 65 65 - Email : [email protected] : /Managemgroup : @Managem_group : groupe-managem ANNUAL REPORT ANNUAL REPORT The electronic version of our report is available on http://www.managemgroup.com/Media-Center Managem Annual Report 2016 Draa Sfar Mine COMPANY OVERVIEW Managem is an integrated mining group managing a diversified portfolio of mineral resources, focusing on precious metals, base metals, Cobalt and Fluorite. Managem employs 5,660 employees across all its subsidiaries. The Group has operations in Morocco and throughout Africa in Gabon, Democratic Republic of Congo, Sudan, Guinea, Mali, Burkina Faso, Ivory Coast and Ethiopia. In addition Managem has trading activities based mainly in Switzerland and UAE. Managem is active across the entire value chain of mining activity. Managem is a leading player in the mining and hydrometallurgical industry in Morocco as well as in the African continent. The Group’s expertise and unwavering insistence on safety, ethics, performance and innovation fostered its growth and diversification, thanks to its business model developed for almost 90 years. The development of the Group’s activities was included in a responsible growth pattern through strong commitments to environment, risk management and development of neighbouring communities. 3 Diversité Managem Annual Report 2016 KEY FIGURES 2016 TURNOVERTURNOVER 5,6605,660 4,3774,377MMADMMAD CONTRIBUTORSCONTRIBUTORS +1%+1% ComparedCompared -
Sailing for Safe Abortion Access: the Emergence of a Conscious Social Nonmovement in Morocco
Sailing for Safe Abortion Access: The Emergence of a Conscious Social Nonmovement in Morocco By Julia Ellis-Kahana In partial fulfillment for the degree of Bachelor of Arts in Sociology Brown University April 2013 Julia Ellis-Kahana ________________________________ Advisor Carrie Spearin ________________________________ First Reader Michael Kennedy ! ! ! ________________________________! ! ! Disclosures Research for this thesis has been completed with the support of: Royce Fellowship, Swearer Center for Public Service, Brown University, 2012-2013 Barbara Anton Internship Grant, Pembroke Center for Teaching and Research on Women, Brown University, 2012-2013 Alice Rowan Swanson Fellowship, SIT Study Abroad, 2012 Acknowledgements I have so much gratitude for the multiple people who have made this project a reality. Carrie Spearin, my advisor, has been patient and understanding. Her pragmatism has enabled me to keep everything in perspective when I felt overwhelmed. Michael Kennedy is my first reader and his own experience of studying a social movement through engaged ethnography has been integral to the way he has guided my research. He has challenged me by asking the right questions at the right time. I have come to appreciate that both Professor Spearin’s and Professor Kennedy’s concern for my safety during this project was driven by their genuine parental instincts. Kerri Heffernan, the director of the Royce Fellowship Program at the Swearer Center for Public Service, has been an invaluable resource for me. She helped me realize that I needed to assemble a team of people at Brown who would believe in me to complete my research in the Netherlands and Morocco. This group of professors includes Melani Cammett, Rebecca Allen, Ziad Bentahar, Mehrangiz Kar, and John Modell. -
Jehovah's Witnesses
Refugee Review Tribunal AUSTRALIA RRT RESEARCH RESPONSE Research Response Number: MAR32111 Country: Morocco Date: 27 August 2007 Keywords: Morocco – Christians – Catholics – Jehovah’s Witnesses – French language This response was prepared by the Research & Information Services Section of the Refugee Review Tribunal (RRT) after researching publicly accessible information currently available to the RRT within time constraints. This response is not, and does not purport to be, conclusive as to the merit of any particular claim to refugee status or asylum. This research response may not, under any circumstance, be cited in a decision or any other document. Anyone wishing to use this information may only cite the primary source material contained herein. Questions 1. What is the view of the Moroccan authorities to Catholicism and Christianity (generally)? Have there been incidents of mistreatment because of non-Muslim religious belief? 2. In what way has the attitude of the authorities to Jehovah’s Witnesses and Christians changed (if it has) from 1990 to 2007? 3. Is there any evidence of discrimination against non-French speakers? RESPONSE 1. What is the view of the Moroccan authorities to Catholicism and Christianity (generally)? Have there been incidents of mistreatment because of non-Muslim religious belief? Sources report that foreigners openly practice Christianity in Morocco while Moroccan Christian converts practice their faith in secret. Moroccan Christian converts face social ostracism and short periods of questioning or detention by the authorities. Proselytism is illegal in Morocco; however, voluntary conversion is legal. The information provided in response to these questions has been organised into the following two sections: • Foreign Christian Communities in Morocco; and • Moroccan Christians. -
Between Morocco and Spain
CORE Metadata, citation and similar papers at core.ac.uk Provided by Helsingin yliopiston digitaalinen arkisto Marko Juntunen Institute for Asian and African Studies University of Helsinki BETWEEN MOROCCO AND SPAIN Men, migrant smuggling and a dispersed Moroccan community ACADEMIC DISSERTATION To be publicly discussed, by due permission of the Faculty of Arts at the University of Helsinki in auditorium XIII, Unioninkatu 33, on the 12th of October, 2002 at 10 o' clock 2 Helsinki University Printing House, Helsinki 2002 ISBN 952-91-5052-0 (printed) ISBN 952-10-0666-8 (PDF) 3 CONTENTS Note on transcription Foreword INTRODUCTION 9 Men on the move: presences and absences The political space of migration The setting: the leaking community of L´araish Why study men as gendered subjects? Gender in an unbounded setting Gender through practical discourses Is rudzūla masculinity? arrāga as persuasion On the structure of the work CHAPTER I 22 Cafés and quarters, telephone booths and satellite antennas Reflections from the cafés The quarter through facts and figures Articulating connections CHAPTER II 32 The "hidden migration" The new migration arrāga: migrant smuggling Gibraltar: from channel of connections to separating boundary CHAPTER III 44 Street wise Negotiating social relations The politics of confronting class boundaries CHAPTER IV 62 Between past and present, between Morocco and Spain L´araishi – members of the idealised community The true originals: place and belonging in L´araish The moral community Narratives of "betweenness" Wrestling