BMCE BANK OF AFRICA, A GROUP RESOLUTELY COMMITTED TO SUSTAINABLE FINANCE A LEADING PAN-AFRICAN BANKING GROUP

BMCE Bank of Africa is a leading pan-African financial services group. It is a universal bank with a highly diversified range of operations including retail banking, commercial banking, investment banking and specialised financial services, such as leasing, factoring, consumer credit and debt recovery.

BMCE Bank Of Africa has embarked on a strategy of organic as well as acquisition-led growth aimed at expanding its coverage in Africa through Bank Of Africa Group, Banque de Développement du Mali and Congolaise de Banque and in Europe through BMCE International Holding, which brings together the two European subsidiaries in London, Madrid and BMCE EuroServices, a payment institution serving the Moroccan and African diaspora. The Group also has representative offices in Asia, North America and United Arab Emirates.

Operations in 32 countries

More than 13,000 employees

More than 2,300 points of sale

More than 5.5 million customers A UNIVERSAL AND MULTI-BRAND MORE THAN 55 YEARS BANKING GROUP OF CONTINUOUS GROWTH

1959 : BMCE Bank established 1965 : Opens a branch in Tangier Free Zone 1972 : First Moroccan bank to start overseas operations 1959 - 1994 after opening an office in Paris From 1975 : Listed on the Casablanca Stock Exchange a state-owned 1988 : Maroc Factoring established bank… 1989 : BMCE International starts operations in Madrid INTERNATIONAL 1994 : BMCE Capital Bourse and BMCE Capital Gestion Bank Of Africa established La Congolaise de Banque INVESTMENT Banque de Développement du Mali BANKING 1995 : Bank is privatised 1996 : GDR issued on the London market - USD 60 million BMCE International Holding BMCE Capital SA BMCE EuroServices 1997 : Salafin established, a consumer credit company BMCE Capital Bourse 1995 - 2006 1998 : BMCE Capital established, the Group’s investment BMCE Capital Gestion …to a universal banking arm private sector 2000 : Representative offices opened in London bank… and Beijing 2004 : First ever non-European company to receive a social responsibility rating in Morocco SPECIALISED 2006 : Axis Capital, the Group’s Tunisian investment FINANCIAL BMCE BANK SA banking subsidiary, starts operations SERVICES Retail & Corporate Banking Salafin Capital Markets Operations Maghrebail 2007 : BBI London starts operations RM Experts 2008 : Acquires a 35% stake in Bank of Africa Group Maroc Factoring OTHER 2012 : Strategic development Plan 2012-2015 launched Euler Hermes Acmar Eurafric Information 2013 : BMCE Bank raises its stake in Bank Of Africa Group to 72.6% Locasom Issues a USD 300 million Eurobond on the CID international market 2007 - 2016 2014 : Representative office opened in Canada …and fast-becoming Two BMCE Euroservices branches opened in a multinational group the Netherlands (Rotterdam and Amsterdam) 2015 : BMCE Bank Of Africa adopted as the new company name to reinforce the Group’s African profile Raises its stake in BOA Group to 75%, in Banque de Développement du Mali to 32.4% and in La Congolaise de Banque to 37% African Entrepreneurship Award inaugurated 2016 : New Strategic Development Plan 2020 launched BMCE BANK OF AFRICA AROUND THE WORLD

EUROPE GERMANY BELGIUM SPAIN FRANCE NORTH ITALY AMERICA NETHERLANDS PORTUGAL ASIA UNITED KINGDOM CANADA CHINA UNITED ARAB EMIRATES

AFRICA MOROCCO KENYA BENIN MADAGASCAR BURKINA FASO MALI BURUNDI NIGER CAMEROON RWANDA CONGO BRAZZAVILLE SENEGAL D.R. CONGO TANZANIA DJIBOUTI TOGO ETHIOPIA TUNISIA GHANA UGANDA IVORY COAST SUSTAINABLE DEVELOPMENT INTEGRAL TO THE GROUP’S CORPORATE STRATEGY

BMCE Bank of Africa is strongly committed to promoting sustainable ADOPTING A STRATEGIC POSITION IN SUSTAINABLE FINANCE and positive impact finance, consistent with international standards in sustainable finance. BMCE Bank of Africa has acquired a reputation • First Moroccan company to issue « Green Bonds » to finance eco-responsible as the market leader in this area, driven by a conviction that the financial environmental projects sector has a fundamental role to play in sustainable economic development. • BMCE Capital Gestion, the first Moroccan asset management company to have launched a Socially Responsible Investment (SRI) fund As a pioneering bank, it was the first financial institution in Morocco • BMCE Bank committed to introducing new credit lines for resource optimisation to sign the United Nations Global Compact in 2016. The Bank has and management, including a water solution to help finance industrial already incorporated into its day-to- day business all ten fundamental wastewater treatment and a green solution to finance Morocco’s circular economy in solid waste management principles which underpin the Global Compact in areas of human • Signs the first ever partnership within the SEMED region with the EBRD, the rights, labour, environment and anti-corruption. EIB, the AFD and the KfW to finance sustainable energy • Successfully launched Cap Energie in late 2014 within the framework of the MorSEFF programme - Morocco Sustainable Energy Financing Facility

The same year, BMCE Bank of Africa CLIMATE IN joined the "Mainstreaming Climate EVERYTHING WE DO The EIB and 25 other Financial Institutions Action within Financial Institutions" are standing together to ensure that climate is at the heart of all operations. Together we are improving the effectiveness initiative, officially launched on December and impact of our climate action! STRATEGIC GOALS ALIGNED WITH THE GROUP’S ENVIRONMENTAL 7, 2015 at COP21 by the EIB and 25 other AND ENERGY STRATEGY financial institutions. I mprove climate performance 1. Comply with regulatory environmental and energy-related requirements M anage climate risks They are 5 voluntary principles to ensure 2. Take into account environmental criteria in financing activities that Climate is at the heart of all operations, P romote climate smart objectives 3. Promote sustainable finance including Green Business to switch to a low-carbon economy and 4. Prevent and limit environmental pollution and reduce consumption managing climate risks in the future. A ccount for climate action of natural resources 5. Continue to improve energy performance C ommit to climate strategies 6. Develop an “eco-friendly” culture and employee behaviour 7. Promote responsible procurement and energy savings T urn the talk into reality 8. Promote “sustainable construction” KEY DATES IN SUSTAINABLE DEVELOPMENT 2016 • First Moroccan company to issue « Green Bonds » to finance eco-responsible environmental projects • First bank to obtain ISO 50001 Energy Management certification 2015 and determination of carbon footprint for Moroccan activities • Best CSR Arabia award in the Financial Institutions category • HQE certification awarded by Cerway to BMCE Bank Academy of Africa • 2nd African Entrepreneurship Award • Inaugural African Entrepreneurship Award • Morocco Sustainable Energy Financing Facility II (MorSEFF II) launched • Morocco Sustainable Energy Financing Facility (MorSEFF) launched • First financial institution in Morocco to sign the United Nations Global • FCP Capital ISR launched by BMCE Capital Gestion Compact • Top Performer, CSR Morocco awarded by Vigeo which also included 2014 BMCE Bank in the Euronext‐ Vigeo Emerging 70 Index • Best CSR Arabia award in the Financial Institutions category • Retains its ISO 14001 certification • Signs the EBRD-UNEP Declaration of Financial Institutions on the • Best CSR Arabia award in the Partnership category Environment and Sustainable Development • First Moroccan bank to publish its Sustainable Development & CSR report in accordance with the Global Reporting Initiative (GRI) • BMCE Bank rated by Vigeo for social responsability 2013 • Named Top Performer CSR, Morocco by Vigeo • BMCE Bank shortlisted in the Sustainable Bank of the Year - Africa 2012 /Middle East category of the FT Sustainable Finance Awards 2013 • BMCE Bank named “Socially Responsible Bank of the Year”, for 2012 at the African Banker Award • Launches ENERGICO 2011 • ISO 14001 certification renewed for all the Bank’s activities • Named Top Performer CSR, Morocco by Vigeo • Obtains ISO 14001certification for the Bank’s entire operations: 1st Bank in Morocco and MENA region • The first Equator Principles report is published online 2010 • Signs the Equator Principles 2008 • Committee member of Miroir Maroc, ISO 26000 standard on social • Establishes a Social and Environmental Management System (SEMS) responsibility in partnership with International Finance Corporation (World Bank Group)

2004 • First Moroccan company to obtain a social responsibility rating in the 2000 area of human rights and social responsibility from Vigeo, Europe’s • Signs the Declaration of Financial Institutions on the Environment and leading agency in social responsibility ratings Sustainable Development under the aegis of the United Nations Environment Programme (UNEP FI) 1998 - 1999 • Adopts an environmental management policy within the Bank 1995 • Bank privatised • BMCE Bank Foundation for Education and the Environment established BMCE BANK FOUNDATION MEDERSAT.COM A SOCIALLY RESPONSIBLE BANK FROM THE MOMENT PROGRAMME KEY FIGURES IT WAS PRIVATISED 177 units specialising in Established in 1995, BMCE Bank Foundation promotes education in rural pre-school and primary 4 areas through its Medersat.com programme as well as contributing education, covering all schools in Africa, to environmental protection. 16 regions of the including 2 in Senegal, 450 Kingdom of Morocco 1 in Congo Brazzaville teachers, and 1 in Mali 48% of whom The Medersat.com programme aims to combat illiteracy, make it are women easier for children in rural areas in Morocco’s sixteen regions to gain access to schooling, support innovation in teaching methods so as to improve the educational system at the pre-school and primarily school levels. 10 000 pupils currently registered and 1 BMCE Bank Foundation for Education and the Environment also assumes 18,500 pupils built and fully-equipped responsibility for its decisions and actions and the impact that the schooled training centre for latter have on society and on the environment, resulting in a series of since 2000 pre-school teachers practical initiatives which benefit rural areas. in Bouskoura 108 BMCE Bank Foundation action is also entirely consistent with the National multi-media Initiative for HumanDevelopment. Particular emphasis is placed on rooms built and equipped community development by promoting, in particular, income-generating with the latest technology projects and providing drinking water and electricity to village communities under the Medersat.com schools programmes. 6 000 pupils pursuing secondary studies

BMCE Bank Group allocates 4% of its gross operating income to its Foundation COMMITMENT REITERATED BMCE BANK FOUNDATION’S TO ENVIRONMENTAL CAUSES AWARDS AND DISTINCTIONS Dr Leila Mezian Benjelloun decorated as Commander of the Order of Wissam Al Arch by His Majesty the King Mohammed VI for her • Social innovation through a “‘school for life’’, promoting a values system active commitment to social action based on tolerance, modernity, openness, solidarity and progress through the Medersat.com programme

• Environmental protection by providing electricity and drinking Bridging Leadership Award by water to villages Rockfeller Foundation, in tribute to 2016 the initiatives of the Medersat.com • Undertaking large-scale projects in relation to adult literacy, health programme over the past 15 years and physical education, raising awareness about personal hygiene, in building and managing community schools in rural areas in Morocco farming techniques and promoting sport and elsewhere in Africa • Promoting income-generating activities, such as micro-credit for the benefit of village communities – families and their neighbours – whose children attend Medersat.com schools Medersat.Com pupils obtain the 3rd prize at the National Olympiads • Overseeing a programme to equip schools with next-generation 2015 of Tifinagh, held in Tafraout solar photovoltaic systems BMCE Bank Foundation’s status is • Carrying out not-for- profit initiatives aimed at reducing air pollution confirmed as an advanced laboratory from vehicle emissions for the education system for innovation in teaching methods’ with Chinese 2014 • Restoring and enhancing exotic gardens such as the Bouknadel language teaching introduced in partnership with the Confucius exotic garden Institute Medersat.com receives the World • As many as 9 Medersat.Com schools have obtained the « Eco-school » Innovation Summit for Education label by Mohammed VI foundation for Environment Award from the Qatar Foundation, 2013 in partnership with UNESCO, in recognition of its unique educational project

The Chairperson of the BMCE Bank Foundation for Education and the Environment receives the Merit Award of Amazigh Culture from the 2012 Royal Institute of Amazigh Culture (IRCAM) The Foundation program accredited by the UNDP - United Nations 2000 Development Program - as an example of public-private partnership A BANK WHICH IS PROMOTING Gagnants du prix 2015 ENTREPRENEURSHIP IN AFRICA Catégorie Environnement

The African Entrepreneurship Award was inaugurated by BMCE Bank Group’s Chairman Othman Benjelloun, in November 2014 at the Global Entrepreneurship Summit in Marrakesh. With an annual ENVIRONMENT USD 1 million prize money, the Award is intended to promote entrepreneurship AEA PRIZE-WINNERS IN THE in Africa by rewarding projects which have a social and sustainable ENVIRONMENT CATEGORY impact.

In addition to the monetary aspect, the AEA also provides a unique post-award feature, which enables the award-winning entrepreneurs to benefit from personalised mentoring at every stage of their Elia Tanzania entrepreneurial journey. East Africa Fruits Farm Using technology to improve the quality of storage and transportation of fruits and vegetables AFRICAN ENTREPRENEURSHIP AWARD IN FIGURES* USD 150,000

participating entrepreneurs 7 000 Tadesse Ethiopia GreenJimma countries, 54 of which Producing fertilizers from biological 105 are Africa countries discharges, recycling and waste collection partner-mentors from Africa, Europe, USD 150,000 180 Asia and North America

of all projects submitted are related Olive to the environment. Uganda 35 % The award counts two more categories, Brick to Housing Pioneer Women Project the Education & the uncharted Biogas-fired kilns for making bricks and recycling food product waste USD 25,000 *Since the launch of award in 2015

CONTACT

BMCE BANK OF AFRICA – HEAD OFFICE 140, Avenue Hassan II Casablanca +212 (0) 522 46 24 24

FINANCIAL COMMUNICATION Tel : +212 (0) 5 22 46 28 06 Fax : +212 (0) 5 20 20 50 54

E-MAIL [email protected]