Attijariwafa Bank Morocco

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Attijariwafa Bank Morocco Active This profile is actively maintained Send feedback on this profile Created on: Nov 2 2020 Last update: Dec 31 2020 About Attijariwafa Bank Attijariwafa Bank is a Moroccan multinational commercial bank and financial services company, headquartered in Casablanca. It was established in 2003 after a merger between Banque Commerciale du Maroc and Wafabank. The bank's largest shareholder is king Mohammed VI's holding company Société Nationale d'Investissement (SNI). The bank maintains offices in China, France, Belgium, Spain, Italy, Milan, The Netherlands, Tunisia, Senegal, Ghana, Mauritania and Mali. Website https://www.attijariwafabank.com/en Headquarters 2 boulevard Moulay Youssef BP 11141 2000 Casablanca Morocco CEO/chair Mohamed El Kettani CEO Supervisor Bank Al-Maghrib Annual Annual report 2019 CSR report 2019 reports CSR report 2018 Annual report 2018 Ownership Atijariwafa bank's largest shareholder is SNI (also know as Al Mada) with 46.4%. The bank's complete shareholder structure can be accessed here. Complaints and grievances Sustainability Voluntary initiatives Attijariwafa Bank has committed itself to the following voluntary standards: OECD Guidelines for Multinational Enterprises United Nations Global Compact Universal Declaration of Human Rights Investment policies Atijariwafa's bank webpage on corporate social responsibility can be accessed here. CSR Approach Dec 31 2018 | Atijariwafa bank Principles of responsible purchasing Oct 4 2018 | Atijariwafa bank Good moves Related Dodgy Deals Attijariwafa Bank has been linked to the following "Dodgy Deals", e.g. as a current or past financier or through an expression of interest. Find out more about dodgy deals here. See the project or company profile for more details on the nature of the bank's link to the Dodgy Deal. Projects Nachtigal hydropower plant Cameroon active Hydroelectric Power Generation.

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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.
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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.
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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.
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CONSEIL D'administration DU 17 Mars 2021
CONSEIL D’ADMINISTRATION DU 17 Mars 2021 RAPPORT DU CONSEIL D’ADMINISTRATION SUR LES OPERATIONS DE L’EXERCICE 2020 A L’ASSEMBLEE GENERALE ORDINAIRE ANNUELLE Messieurs les Actionnaires, Nous vous avons réuni en Assemblée Générale Ordinaire Annuelle, conformément à la loi et à l’article 22 des statuts, pour entendre le rapport du Conseil d’Administration et celui des Commissaires aux Comptes sur l’exercice clos le 31 décembre 2020. Avant d’analyser l’activité de la Compagnie, nous voudrions vous rappeler brièvement l’environnement économique international et national dans lequel elle a évolué ainsi que le contexte du secteur des assurances. CONTEXTE A l’international Dans un contexte de crise inédit, l’économie mondiale a connu une sévère récession en 2020 (- 3,7% selon la Banque Mondiale), frappée de plein fouet par la pandémie du COVID-19. Confrontée à une grave crise sanitaire (plus de 28,6 millions de cas au 28/02/2021), l’économie américaine a perdu 3,6% en 2020, la pire récession depuis 1946, affectée par les effets de la pandémie. Après une forte remontée du PIB au 3ème trimestre 2020 (+33,1% en glissement annuel), la reprise s’est affaiblie au 4ème trimestre 2020 suite à la résurgence des infections au Coronavirus et la mise en place de nouvelles restrictions locales. Pour sa part, la croissance en Zone Euro accuse un repli historique de 6,8% en 2020 en raison de l’aggravation de la situation sanitaire et la multiplication des mesures de confinement dans la plupart des grandes économies de la Zone. Le recul le plus marqué est en Espagne (-11%) contre -8,8% pour l’Italie, -8,3% pour la France et -5% pour l’Allemagne.
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COMPANIES Asma Invest Brings Its Capital to 2 Billion DH by Moulay Ahmed BELGHITI (/Content/Moulay-Ahmed-Belghiti) (/Node/) | Edition N °: 5560 07/19/2019 | Share
1/15/2020 Asma Invest increases its capital to 2 billion DH | The Economist School holidays calendar 2019/2020 (https://www.leconomiste.com/flash-infos/calendrier-des- vacances-scolaires-2019-2020) POLEMIQUE LAWS (https://www.leconomiste.com/documents-lois-a-polemiques) COMPANIES Asma Invest brings its capital to 2 billion DH By Moulay Ahmed BELGHITI (/content/moulay-ahmed-belghiti) (/node/) | Edition N °: 5560 07/19/2019 | Share JV between Morocco and Saudi Arabia wants to finance its development Real estate, agriculture, industry ... the main business sectors Asma Invest gives itself the means of its ambitions. The Saudi-Moroccan investment company for development has just, as Hicham Safir, CEO of Asma Invest, exclusively told L'Economiste to complete a capital increase in the amount of 1.2 billion DH. "With this operation, we have more than doubled our capital since we bring it to 2 billion DH," he maintains, stressing that the amount of the operation has been fully paid up in equal shares by the two main shareholders who are the Moroccan state and Saudi state. The objective is clearly "to accelerate the rate of investment for development". https://www.leconomiste.com/article/1048040-asma-invest-porte-son-capital-2-milliards-de-dh 1/10 1/15/2020 Asma Invest increases its capital to 2 billion DH | The Economist It is in this sense that the company's board of directors has updated its investment strategy by making a benchmark of the sectors in which it intends to invest. "The idea today is to maintain, preserve and strengthen our positions in the sectors in which we are already present," says Safir.
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2014 Annual Report
2014 ANNUAL REPORT 0 1 9 4 - 2 0 1 years 4 2014 ANNUAL REPORT 0 1 9 4 - 2 0 1 years 4 This is a particularly important year for Attijariwafa bank as we complete our one hundred and tenth year. We are therefore celebrating more than a century of providing banking and banking- related activities in the interests of our country’s economic and industrial development and the well- being of our fellow citizens. M. Mohamed El Kettani Président Directeur Général Chairman and CEO’S Message ANNUAL REPORT ATTIJARIWAFA BANK 2014 Our Group’s history is inextricably intertwined with With the legacy of two century-old banks, that of the Kingdom of Morocco. Not only does that Attijariwafa bank has constantly sought to diversify make us proud, it constantly inspires us to scale even its business lines to provide its corporate customers greater heights. Attijariwafa bank’s history began when with the most sophisticated payment methods two French banks, Compagnie Algérienne de Crédit and financing products to satisfy their constantly et de Banque (CACB) and Banque Transatlantique, evolving requirements. Our Group is also committed to opened branches in Tangier in 1904 and 1911 meeting the needs of all our fellow citizens, whatever respectively. their socio-economic background. For this reason, In the aftermath of the independence, Banque Attijariwafa bank was the first bank to make the Transatlantique became Banque Commerciale financial inclusion of low-income households one du Maroc (BCM) and, in 1987, emerged as the of its strategic priorities. Attijariwafa bank is proud of Kingdom’s leading private sector bank.
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Participant List
Participant List 10/20/2019 8:45:44 AM Category First Name Last Name Position Organization Nationality CSO Jillian Abballe UN Advocacy Officer and Anglican Communion United States Head of Office Ramil Abbasov Chariman of the Managing Spektr Socio-Economic Azerbaijan Board Researches and Development Public Union Babak Abbaszadeh President and Chief Toronto Centre for Global Canada Executive Officer Leadership in Financial Supervision Amr Abdallah Director, Gulf Programs Educaiton for Employment - United States EFE HAGAR ABDELRAHM African affairs & SDGs Unit Maat for Peace, Development Egypt AN Manager and Human Rights Abukar Abdi CEO Juba Foundation Kenya Nabil Abdo MENA Senior Policy Oxfam International Lebanon Advisor Mala Abdulaziz Executive director Swift Relief Foundation Nigeria Maryati Abdullah Director/National Publish What You Pay Indonesia Coordinator Indonesia Yussuf Abdullahi Regional Team Lead Pact Kenya Abdulahi Abdulraheem Executive Director Initiative for Sound Education Nigeria Relationship & Health Muttaqa Abdulra'uf Research Fellow International Trade Union Nigeria Confederation (ITUC) Kehinde Abdulsalam Interfaith Minister Strength in Diversity Nigeria Development Centre, Nigeria Kassim Abdulsalam Zonal Coordinator/Field Strength in Diversity Nigeria Executive Development Centre, Nigeria and Farmers Advocacy and Support Initiative in Nig Shahlo Abdunabizoda Director Jahon Tajikistan Shontaye Abegaz Executive Director International Insitute for Human United States Security Subhashini Abeysinghe Research Director Verite
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Réalisations 2018
Fondation Attijariwafa bank RÉALISATIONS 2018 SOMMAIRE La Fondation et ses domaines d’intervention 4 Soutenir l’éducation et l’entrepreneuriat des jeunes 6 Améliorer l’accès à l’art et à la culture 14 Appuyer les initiatives et les acteurs de la société civile 20 Accompagner le débat d’idées et la production intellectuelle 24 La Fondation et ses domaines d’intervention Saloua Benmehrez Directeur Exécutif Communication Groupe en charge de la Fondation Attijariwafa bank Oeuvrer en faveur de l’éducation et l’entrepreneuriat, Nous sommes engagés à travers notre Fondation promouvoir l’art et la culture, encourager le débat dans la lutte contre l’échec et l’abandon scolaire, d’idées et la production intellectuelle, et soutenir la valorisation de l’excellence et la promotion de les associations, telle est l’ambition de la Fondation l’entrepreneuriat auprès des jeunes. Attijariwafa bank, depuis sa création, il y a plus de 40 ans. “ L’action continue de la Fondation Attijariwafa bank témoigne de la force de nos convictions et de la constance de nos engagements. ” 5 Nous contribuons activement à faire de l’art, de la a su développer un savoir-faire reconnu, à travers culture et du dialogue un vecteur de développement la concrétisation de plusieurs projets structurants individuel et social et nous soutenons de nombreux et innovants. Son action continue témoigne de la projets ayant un fort impact sur la société. Dans force de nos convictions et de la constance de nos chacun de ses domaines d’intervention, la Fondation engagements. Débat d’idées Art & & Production Culture intellectuelle Éducation & 4 DOMAINES Soutien aux Entrepreneuriat D’INTERVENTION associations Éducation & Entrepreneuriat ” La Fondation Attijariwafa bank soutient des projets qui contribuent au développe- ment du niveau d’instruction des citoyens marocains, en particulier des classes sociales les plus modestes, et lutte contre l’abandon scolaire.
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DGAP Report Morocco Violence Extremism
German Council on Foreign Relations No. 4 January 2020 – first published in REPORT July 2019 Edited Volume Socio-Economic Development and Violent Extremism in Morocco Morocco’s Regional Policy, Migration and (De-)Radicalization – Policy Briefs from the Region and Europe Edited by Laura Lale Kabis-Kechrid 2 No. 4 | January 2020 – first published in July 2019 Socio-Economic Development and Violent Extremism in Morocco REPORT The following papers were written by participants of the workshop “Promotion of Think Tank Work on Violent Extremism and Morocco’s Regional Policy in Sub-Sahara Africa as well as the MENA Region” organized by the German Council on Foreign Relations’ Middle East and North Africa Program in the winter of 2018 and spring of 2019 in cooperation with the Rabat Social Studies Institute (RSSI). The workshop is part of the program’s project on the promotion of think tank work in the Middle East and North Africa, which aims to strengthen the scientific and technical capacities of civil society actors in the region and the EU who are engaged in research and policy analysis and advice. It is realized with the support of the German Federal Foreign Office and the Institute for Foreign Cultural Relations (ifa e.V.). The content of the papers does not reflect the opinion of the DGAP. Responsibility for the information and views expressed herein lies entirely with the authors. The editorial closing date was March 31, 2019. Authors: Clarisse Anceau, Tachfine Baida, Hamdi Echkaou, Meriem El Haitami, Abdelouahed Eloufir, Ingrid Heidlmayr-Chegdaly, Salim Hmimnat, Zilvinas Svedkauskas, and Lisa Watanabe Edited by Laura Lale Kabis-Kechrid No.
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Colonial and Orientalist Veils
Colonial and Orientalist Veils: Associations of Islamic Female Dress in the French and Moroccan Press and Politics Loubna Bijdiguen Goldmiths College – University of London Thesis Submitted for a PhD in Media and Communications Abstract The veiled Muslimah or Muslim woman has figured as a threat in media during the past few years, especially with the increasing visibility of religious practices in both Muslim-majority and Muslim-minority contexts. Islamic dress has further become a means and technique of constructing ideas about the ‘other’. My study explores how the veil comes to embody this otherness in the contemporary print media and politics. It is an attempt to question constructions of the veil by showing how they repeat older colonial and Orientalist histories. I compare and contrast representations of the dress in Morocco and France. This research is about how Muslimat, and more particularly their Islamic attire, is portrayed in the contemporary print media and politics. My research aims to explore constructions of the dress in the contemporary Moroccan and French press and politics, and how the veil comes to acquire meanings, or veil associations, over time. I consider the veil in Orientalist, postcolonial, Muslim and Islamic feminist contexts, and constructions of the veil in Orientalist and Arab Nahda texts. I also examine Islamic dress in contemporary Moroccan and French print media and politics. While I focus on similarities and continuities, I also highlight differences in constructions of the veil. My study establishes the importance of merging and comparing histories, social contexts and geographies, and offers an opportunity to read the veil from a multivocal, multilingual, cross-historical perspective, in order to reconsider discourses of Islamic dress past and present in comparative perspective.
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Corporate Social Responsibility Report 2012
2012 Corporate Social Responsibility Report 2012 Corporate Social Responsibility Report GOVERNANCE, p.12 COMPLIANCE, « Our Group has for over a century been SAFETY conducting banking business with commitment AND QUALITY : and responsibility. » THE FOUNDATIONS OF TRUST Mohamed EL Kettani, Chairman and Chief Executive Officer p.22 SUMMARY SUPPORTING Convinced that one of the major roles of a financial This report broadly outlines Attijariwafa bank’s vision institution is to facilitate and accelerate economic and actions regarding sustainable development. EMPLOYEE and social development, at Attijariwafa bank, Despite this being the 2012 edition of the CSR Report, DEVELOPMENT sustainable development is an issue that we take corporate social responsibility has underpinned the very seriously, backed by strong ethical values, activities of the entire Group for many years. The report commitment, leadership, solidarity and citizenship. summarises the sustainable development challenges facing Attijariwafa bank as well as the initiatives undertaken to date in respect of quality, compliance As a supporter of government and professional ethics programmes, financier of the real in order to establish p.34 CONTRIBUTING TO economy, investor and partner to « Attijariwafa bank’s approach to Corporate a relationship of trust MOROCCAN CIVIL large, medium and small enterprises, Social Responsibility (CSR) is a state of with all stakeholders. our Group has for over a century mind, a collective consciousness, which It also shows how the SOCIETY been conducting banking business goes far beyond a simple set of managerial Group is committed with commitment and responsibility. responsibilities. in its daily actions to BY PROMOTING EDUCATION, » Such responsibility lies in our acting as a responsible ART AND CULTURE ability to help Moroccan society employer.
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Note D'information
PROSPECTUS SUMMARY ATTIJARIWAFA BANK ISSUE OF SUBORDINATED BONDS FOR A TOTAL AMOUNT OF MAD 1,500,000,000 Tranche C Tranche D Tranche F Tranche A (Listed) Tranche B (Listed) Tranche E (Listed) (Not listed) (Not listed) (Not listed) Ceiling MAD 1,500,000,000 MAD 1,500,000,000 MAD 1,500,000,000 MAD 1,500,000,000 MAD 1,500,000,000 MAD 1,500,000,000 Number of 15,000 subordinated 15,000 subordinated 15,000 subordinated 15,000 subordinated 15,000 subordinated 15,000 subordinated securities bonds bonds bonds bonds bonds bonds Nominal value MAD 100,000 MAD 100,000 MAD 100,000 MAD 100,000 MAD 100,000 MAD 100,000 Maturity 7 years 7 years 7 years 7 years 7 years 7 years Floating rate revised Floating rate revised on an annual basis, on an annual basis, Fixed, the reference Fixed, the reference Fixed, the reference Fixed, the reference the reference rate for the reference rate for to the nominal rate is to the nominal rate is to the nominal rate is to the nominal rate is the nominal interest the nominal interest the 7-year Treasury the 7-year Treasury the Treasury Bonds the Treasury Bonds rate is the 52-week rate is the 52-week Bonds rate computed Bonds rate computed rate computed on the rate computed on the Treasury Bills rate Treasury Bills rate on the secondary on the secondary secondary market secondary market (monetary rate) as (monetary rate) as market yield curve, as market yield curve, as yield curve, as yield curve, as computed on the computed on the Rate published by Bank published by Bank published by Bank published by Bank secondary yield curve secondary yield curve Al-Maghrib on May Al-Maghrib on May Al-Maghrib on May Al-Maghrib on May as published by Bank as published by Bank 31st, 2018, i.e.
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