Friends

Attijariwafa bank

Attijariwafa bank, leading banking and financial group in North Africa, with 6.2 million customers and 15,289 employees, is a pan-African multinational.

Present in 22 countries, the Group gives priority to its proximity to customers and puts them at the heart of its strategy through its ambitious banking and continuous innovation efforts. In addition to banking, the Group operates through specialized subsidiaries in all financial businesses: insurance, mortgage, consumer credit, leasing, asset management, securities brokerage, consulting, leasing, factoring ...

With a solid financial base, a capital of diverse expertise and tools of modern expertise, the Group has managed to climb the undisputed national leader in credit to the economy and consumer credit, of corporate banking and investment banking, asset management and stock market trades, leasing and bancassurance.

Attijariwafa bank is based in Morocco and operates in 21 countries: Africa (Tunisia, Senegal, Burkina Faso, Guinea Bissau, Mali, Mauritania, Ivory Coast, Congo, Gabon and Cameroon) and Europe (Belgium, France, Germany, Netherlands, Italy and Spain) through subsidiary banks majority owned by the bank in Dubai, Riyadh, London, Shanghai and Tripoli through representative offices.

Two pole motors Development

Retail Banking

Bank Company offers through a dedicated entity to "Financing SME investment" a range of products and services tailored to operators.
The Bank of Personal and Professional itself as the leader in all market segments, either at the collection of resources, the granting of loans or distribution of products in bancassurance.
Bank of Moroccans without Borders continues to gain market share through the consistency of its business strategy and outreach for the target audience.
Division Corporate Banking, Markets & Investment and Financial Subsidiaries

Corporate Banking is positioned as the preferred partner of big business in financing projects.
The Bank of International Retail is structured around a network of local banks based in the Maghreb and sub-Saharan Africa, including Tunisia and Attijari bank Attijari Bank Senegal.
The Capital Markets and Investment promotes synergies between the various business lines.
The entity "Capital Market" is characterized by a mastery of business related to foreign exchange, derivatives trading, loan structuring and syndication of investment.

The activity "Custody" is another core activity of the Capital Markets and Investment why Attijariwafa bank holds 36% market share at the end of June 2012.

Wafa Gestion is a historic leadership position in asset management for third parties in Morocco, both in terms of assets under management by the multi-expert approach. Wafa Gestion offers a wide range of mutual funds (more than 75 mutual funds and Fcp), responding to the needs of all customer segments (institutional investors, companies and individuals) and covering all investment horizons and all asset classes (monetary, compulsory stocks and commodities).

Corporate Finance who reports Attijari Finance Corp.. shows good performance in terms of merger and acquisition consulting.
Attijari intermediation is characterized by commercial responsiveness of its teams is causing a market share of 30% in the central market of the Casablanca Stock Exchange.
For its part, Attijari Invest specializes in private equity entity established three sector funds and regional funds.
Specialized Financial Services offer customers Attijariwafa bank's full range of products and services through an effort of continuous innovation and professionalism of their respective teams.
These financial services are provided by seven subsidiaries are leaders in their respective fields:
Wafa Assurance in bancassurance
Wafasalaf in the consumer credit
Wafa Immobilier in mortgage lending
Wafacash in the transfer of funds
Wafabail in leasing
Wafa LLD in the long-term rental
Attijari Factoring Factoring in Morocco


Société Générale Maroc

Subsidiary of Societe Generale Group, one of the largest banking groups in the Euro zone, Societe Generale Morocco is present in the UK for 98 years and has established itself as a bank for the development of the national economy. With a network of over 340 branches, Societe Generale Morocco operates as retail banking and investment banking.


The Societe Generale Group Morocco, the first international financial group in the country, is based on recognized expertise and a strategy of synergy with its subsidiaries specialized business lines. It offers its business customers a rich and diverse range of products: traditional banking, investment financing and operating cycle, international operations, savings and investment products, corporate finance operations ...

  Head Office: 55, Bd Abdelmoumen. 20100 Casablanca

Societe Generale Morocco operates in three business areas:

Commercial Bank:
Flow management, current loans and investment loans to companies, business deposits and loans to individuals, foreign trade, ...

Corporate Banking and Business Solutions:
A wide range of products and services, structured finance, mergers and acquisitions missions and investments, consulting, securities brokerage, fixed income and foreign exchange ...

Global Investment Management and Private Institutional:
Management of assets (bonds and short term, equity, balanced and monetary) market intermediation, conservation and investments in securities, asset management and advisory services to institutional investors ...


Banque Marocaine pour le Commerce et l'Industrie - BMCI

BMCI, whose shareholder is BNP Paribas, operates as a universal bank, which caters to all types of clients: Individuals (including Moroccans Resident Abroad), Businesses, Corporates and Institutional , SMEs, young ...
To better meet the needs of its customers, the BMCI makes available through its network of nearly 300 branches in Morocco, the expertise and the expertise of its 10 subsidiaries and specialized entities, particularly in corporate finance, Asset Management, Fellows Transactions, Leasing, etc..


Certified ISO 9001 version 2000 for his documentary activities and international transfers, BMCI occupies a reference position in the field of international trade, particularly through Casablanca BNP Paribas Trade Center. In addition, Fitch affirmed for 2010 notes AAA and F1, corresponding to the highest scores on a national scale, which confirms the soundness of the BMCI and its reference position in the Moroccan banking sector.

With the commitment of its teams, the confidence of its customers, its brand and support the BNP Paribas Group, BMCI pursue its objectives of growth and profitability in order to remain more than ever, in a Morocco that changes and grows, bank benchmark for quality service.

BMCI figures

Today, the BNP Paribas Group is the majority shareholder of BMCI, with a share of 66.74% of the capital.
The rest is divided mainly between:

Axa Insurance Morocco with 8.55%;
Insurance companies Atlanta Sanad with 4.53% and 3.25% respectively;
Other: 16.93%.

The capital of the BMCI is 1327884300 DH 31 December 2010.

The BMCI Group

BMCI, a subsidiary of BNP Paribas
Part time, always on the lookout for the latest innovations, the BMCI has the support of its majority shareholder, BNP Paribas. Daily BMCI ontinues its efforts to be more than ever the reference bank, while strengthening its capacity to profitability and growth potential. In 2010, the confirmation by FITCH, F1 notes and AAA on a national scale, reflecting the financial strength of BMCI and its ability to meet its commitments.

BMCI is present in 40 cities in Morocco, with a network of 300 specialized agencies by type of customer and 10 specialized subsidiaries by business.
BNP Paribas is a European leader in banking and financial services global.

The Group is present in 80 countries and has nearly 200,000 employees, including more than 150,000 in Europe. It holds key positions in three major segments positions:

Banking and Investment
Asset Management & Services
Retail Banking


Crédit Agricole du Maroc - CAM

Since its inception, Crédit Agricole du Maroc (CAM) is responsible for the financing of agriculture and activities concerning the economic and social development in rural areas.

To carry out this mission, the Crédit Agricole du Maroc provides in addition to his public service, the universal banking (retail, corporate and investment) offering a wide range of products and services bank.

The performance of CAM on the growing market of retail banking, allow it to consider a redistribution in favor of agriculture in trouble. Hence the need for an innovative and effective response to problems of rural financing through financing tools in line with one hand response, the overall strategy of the agricultural sector and secondly, the strategic positioning of Crédit Agricole group in Morocco.

Thus, the new reorganization of the bank is to dedicate this vision and put in place appropriate structures for each type of intervention:



  • The commercial banking business, is in all economic sectors and positions our institution as retail banking. The commercial bank is responsible for managing the development of individual customers, professionals and MRE. In this context, the division manages a network of agencies (400) nearby that act as general and as agencies that provide a full range of products and services for all segments of the market.

  • The agro-agricultural center, provides the agricultural sector and food a full range of appropriate products and services. Crédit Agricole du Maroc finance agricultural projects, accompanying their achievements, advises farmers and provides them with the technical and financial expertise.

  • These two poles work synergistically through a range of tools to act on all components of the banking sector.

    Crédit Agricole du Maroc is now a major national bank subject to the Banking Law, working for optimal use of all synergies.


    Crédit du Maroc

    Crédit du Maroc is a universal bank operating in all markets: Individuals, MRE, professionals, businesses and large corporate. Financial institution Moroccan chip, Crédit du Maroc  a subsidiary of Credit Agricole Group, has three core businesses: retail banking, corporate banking and investment and asset management. Complementarity between its various activities is to Crédit du Maroc a major business asset and a guarantee of financial stability.

    Created in 1929, the Crédit du Maroc has come a long way since. Expanding its network in a harmonious way, developing the skills of its employees and the business, he was able to meet the requirements of its customers as Company that individuals and professionals.

    Pursuing a strategy of profitable growth based on the selective development of its business organically, Crédit du Maroc is based on a strong innovation-oriented satisfaction of its customers.

    Through a local organization based on an integrated multi-channel (telematics electronic banking agencies, and Internet) strategy, the Crédit du Maroc offers a comprehensive range of banking products and services to individuals, professionals and businesses, covering their needs of savings and investments, consumer loans, real and personal, means of payment, insurance or consultancy.

    Financial Indicators :

    2008
    2009
    2010
    2011
    2012
    TOTAL BILAN
    38 275
    42 161
    44 722
    46 876
    47 800
    FONDS PROPRES REGLEMENTAIRES
    3 306
    3 658
    3 980
    4 765
    5 022
    DEPOTS DE LA CLIENTELE
    28 865
    30 721
    33 778
    33 712
    33 925
    CREANCES SUR LA CLIENTELE
    29 112
    33 323
    33 259
    35 276
    35 647
    PRODUIT NET BANCAIRE
    1 647
    1 799
    2 000
    2 067
    2 107
    COUT DU RISQUE
    253
    239
    481
    510
    456
    RESULTAT NET
    364
    433
    368
    336
    354
    DIVIDENDES PAR ACTION (EN DH)
    27
    30
    30
    32
    32
    *MILLION DIRHAMS


    Crédit immobilier et hôtelier - CIH

    CIH (Credit Immobilier et Hotelier) is a Moroccan bank subsidiary of CDG, operating particularly in the real estate and tourism, it also ensures the activities of a retail bank.

    Company name: Crédit Immobilier & Hoteliers-CIH-
    Type of company: limited company with Board of Directors
    Business sector: Banking & Financial Services
    Date established: May 26, 1920
    Headquarters: 187 Avenue Hassan II Casablanca - 20019
    Phone:  +212.5.22.47.90.00 / +212.5.22.47.91.11
    Website:  www.cih.co.ma
    E-mail:  cih@cih.co.ma / info-client@cih.co.ma