1-ATTIJARIWAFA BANK

Attijariwafa bank (AWB) is a Moroccan banking group.

First bank in Morocco, North Africa, and 4th bank in Africa1,2,
it has nearly 10.6 million individual, professional, corporate,
and institutional customers as well as 20,583 employees in 26
countries.

2/3
The Group is convinced that a company's lasting success
depends on its ability to create economic value while creating
societal value for its stakeholders. For that, it is committed to
a CSR approach that aims to consider the important
sustainable development issues for its stakeholders, by
actively listening to their expectations and proactively
dialoguing with them.

SHAREHOLDERS AND INVESTORS:

-Financial performance
-Risk Control: it’s a business strategy that allows
organizations to evaluate potential losses and take action to
reduce or eliminate those risks. For the group attijariwafa
bank, As part of the 2020 strategic plan, the risk
transformation initiative aims to: provide the Group with a
structured risk appetite framework shared by all
stakeholders, which is moreover at the center of the Group's
strategy for optimizing the risk-return ratio and the use of
own funds in the face of new regulatory constraints,
optimizing the risk management processes, as well as the risk
management system, in particular the Group's overall risk
profile using analysis, simulation and stress testing tools and
promoting the culture of risk with the various Group bodies.

COLLABORATORS:
-Social dialogue and collective bargaining: to include all types
of negotiation, consultation, or simply the exchange of
information between, or among, representatives of
governments, employers, and workers, on issues of common
interest relating to economic and social policy.

-Non-discrimination: is an integral part of the principle of

equality. The principles fundamental of the group include
those of equal opportunity and non-discrimination.

CLIENTS:
-Transparency of information: The degree to which
information is available to outsiders that enables them
to have an informed voice in decisions and/or assess
the decisions made by insiders. Attijariwafa bank
developed a methodological approach through
different codes of ethics to guarantee respect for the
rules of integrity, business loyalty, and transparency.
-Product Safety: A safe product is one that provides
either no risk or a minimum acceptable level of risk,
considering the normal or reasonably foreseeable use
of the product and the need to maintain a high level of
protection for consumers. Attijariwafa bank should
guarantee its customers the discretion of its bank
accounts and have maximum security to protect them
from theft.

PARTNERS:
-Collaboration on common issues/interests
-Fair treatment: the Group AWB Purchasing
department encouraged subsidiaries to adopt best
practices. Pro-forma documents were shared with
subsidiaries to ensure transparency and fair treatment
of suppliers.

CIVIL SOCIETY:
-Contribution to social, economic, and environmental -
issues Business ethics: business ethics are the act of
determining and making the right choices. Companies
develop a set of rules and principles that guide their
decisions and actions, creating positive influences on
employees and consumers. Attijariwafa bank one of its
main mission is to have an ethical life within the
company and among the ethical things in the company
is Respect the environment and fight against climate
change to Reduce the environmental impact of the
Group and also Support green growth
-Quality and transparency of information