Offering the very best in human endeavour and digital technology

Offering the very best in human endeavour and digital technology

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As a leading relationship-based and digital bank, our customers are able to interact effectively with the bank whenever and however they choose. We endeavour to offer them a day-today banking experience that combines the very best of human endeavour and digital technology.

Omar BOUNJOU

Deputy Chief Executive Officer Retail Banking Division

Helping our customers to achieve their life goals

As a trusted partner, Attijariwafa bank group is constantly reinventing itself to enable its customers to fulfil their aspirations. We are able to do this by offering them a comprehensive range of innovative solutions in account management, making payments and transferring money, among other things. In 2017, the Group quickened the pace of its transformation in order to be more empathetic and proactive, resulting in increasingly bespoke, readily accessible services.

+ 512 734

new banking customers in Morocco in 2017

630 766

new bank cards issued in 2017

1 st

institution in electronic payments

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L’BANKALIK, 100% mobile banking

L'bankalik, the 100% mobile bank now allows you to apply for credit online.On the L’bankalik Facebook page, customers will also receive an immediate answer to any question asked.

Making it easier to take out a loan

Attijariwafa bank Group is continuing to adopt a proactive yet disciplined approach to credit approval. In 2017, its share of the retail customer market reached 24.03%, an increase of 4.0% on 2016. Last year, the Group and its specialised subsidiaries worked hard to quicken the pace of digitisation. Thanks to the jeveuxuncredit.ma, banking interface, enabling customers to apply for a consumer loan or mortgage online, the Group has made it much easier for customers to take out a loan, as well as offering personalised advice to help them to fulfil their aspirations.

21,4 %

share of the consumer loan market (at parent level at 31 December 2017)

24,8 %

share of the mortgage market (at parent level at 31 December 2017)

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« Wafy », Wafasalaf’s chatbot

In 2017, Wafasalaf began work on a new consumer loanrelated service – a chatbot on a Facebook page which can answer queries from Moroccan online users. Regardless they were a Wafasalaf existing customers or are simply interested in applying for a loan, a virtual assistant is available 24/7 to help them find the information that they require. The chatbot, nicknamed ‘Wafy’, is able to converse in Moroccan dialect (darija) and French.

Insurance & Assistance: digitizing for more simplicity and accessibility

Wafa Assurance, a subsidiary of Attijariwafa bank Group, has continued to adopt a set of priorities which includes constantly remaining in touch with customers, anticipating their expectations and needs so as to be able to respond to them more effectively and making it easier for customers to access insurance and assistance products. 2017 followed the same logic – our every action being characterised by transformation, adaptability, responsiveness and innovation – which saw us launch new segmented products and accelerate digitisation for an enhanced customer experience.

8,050

billion of revenue for Wafa Insurance

more than 100000

assistance applications handled by Wafa IMA Assistance

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« My Wafa », a constantly evolving app

Thanks to the geolocation service, My Wafa now allows its user to call and send, in real time, the precise location of his vehicle and to be accompanied by a smart assistant in case of a sudden shock.

Supporting businesses, whatever their size

Supporting companies, whatever their size, has always been one of Attijariwafa bank’s priorities. Day by day, the Group continues to find new ways of meeting their expectations by providing them with a range of suitable financial products and services, digital solutions to optimise their interaction with the bank, advice and training to effectively support their development.

7,1

billion MAD of loans disbursed to 32,500 very small businesses

5 000

entrepreneurs trained in Dar Al Moukawil Centers

+ 2 000

new SME customers in 2017

16,8

billion MAD of loans disbursed to SME in 2017

Support for small businesses

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Dar Al Moukawil centers providing support for existing and prospective small business customers

Three Dar Al Moukawil specialised centers opened in Aït Melloul, Tangier and El Jadida respectively. These are centers of expertise which provide support, training and advice, particularly when it comes to company formation, project development, market access or how to apply for the various government-backed support measures available to Micro-enterprises

The four SME plans, business accelerators

SUCCESSION PLAN

is an all-in-one integrated offer aimed at those selling and acquiring companies. It covers a wide variety of issues including raising awareness, providing information, finance aspects and the triggering of an entire support system, thereby making it easier to implement and handle entrepreneurial succession and ensure the company’s long-term future. This offer is a comprehensive and pragmatic solution for those needing to acquire, sell or transfer a business.

«Attijari Business Link», Africa’s leading B-to-B network

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Result of a partnership between the Attijariwafa bank group and Bpifrance, Attijari Business Link is the leading African digital community within Euroquity offering high value-added services to businesses. Its goal is to connect project leaders with development partners and investors looking for opportunities. It has 500 members and offers access to more than 7,200 companies, 1,200 investors and 850 support structures.

Greater involvement with SMEs and Large Enterprises

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Corporate Banking

Attijariwafa bank has reorganised its Corporate Banking business to create a synergy between each of the various business units that serve the Large Enterprises customer segment. It has become the one-stop-shop for each of the Bank’s specialised business lines. As a result, nearly 280 business relationships were transferred to the Business Centers.

Supporting the African diaspora

In Europe, Attijariwafa bank Group has acquired expertise in immigrant banking and trade finance and has developed an extensive network in various countries. In 2017, Attijariwafa bank Europe continued to implement its «AFRIWAY » strategic plan aimed at becoming the leading bank in immigrant banking. To achieve this, the Group is offering its customers innovative money transfer solutions and is responding to their need for day-to-day account management, insurance, finance and savings products.

92 852

retail customers

643 790

retail customer transfers

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Attijari’Money : la carte prépayée 100 % digitalisée

This new card is available in five different currencies, the euro, the US dollar, pound sterling, the Canadian dollar and the Swiss franc. «Attijari’Money », which may be topped up online via a customer’s web or mobile account by bank card or bank transfer, enables cardholders to make secure withdrawals via the entire Mastercard network.

Establishing sustainable trust-based customer relationships

Attijariwafa bank Group strives to stand out from its peers by teaming up with its customers, listening closely to their needs and fostering loyalty as well as continuing to develop a genuine relationship with them based on trust. To achieve this, customer satisfaction is an absolute priority, while ensuring that products and services are of high quality and by adopting an innovative approach to be able to quickly deal with any complaint.

91 %

of customers satisfied in Morocco in 2017

284,000

incoming calls handled by the Customer Relationship Center in 2017

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Customer focus

Each year, Attijariwafa bank’s Customer focus Program enables it to measure the level of satisfaction of its external and internal (banking networks, subsidiaries and head office departments) customers. In 2017, the overall customer satisfaction rate in Morocco was 91%.