#1ir-bankofafrica.ma BANK OF AFRICA BMCE GROUP BANK OF AFRICA PRESENTATION July 2021#2Contents BANK OF AFRICA OVERVIEW BANK OF AFRICA'S STRATEGY MAIN TAKEAWAYS 2020 3 12 14 LARGE PRESENCE IN AFRICA 20 EUROPEAN ACTIVITIES A SOCIALLY RESPONSIBLE BANK 28 30#3BANK OF AFRICA OVERVIEW#4BANK OF AFRICA, a universal banking group +15 000 EMPLOYEES 血 32 COUNTRIES BANK OF AFRICA is one of Africa's main pan-African financial groups. With an extensive portfolio of brands and subsidiaries, BANK OF AFRICA has adopted a universal banking business model comprising a variety of business lines, including commercial banking, investment banking as well as specialised financial services such as leasing, factoring, consumer credit and participatory banking. +1 800 POINTS OF SALE +0 MILLION CUSTOMERS RATINGS MOODY'S VE BA1, NEGATIVE OUTLOOK BB. A1+, STABLE OUTLOOK Extra-Financial Rating 4#5A multi Brand Universal Banking Group Retail Banking Corporate Wholesale Banking BANK OF AFRICA -Parent Company- Specialized Financial Services BOA Holding LCB Bank Banque de Développement du Mali BMCE International Holding - Madrid: Trade Finance; London & Paris: Investment Banking & Co Finance BMCE Euroservices-Diaspora activities BANK OF AFRICA Shanghai Overseas operations Investment banking BMCE Capital Plc Salafin Consumer credit Maghrebail- Leasing RM Experts Debt Collection Maroc Factoring - Factoring BMCE Capital Bourse BMCE Capital Gestion Euler Hermes Acmar - Credit Insurance BTI Bank - Participatory Bank Advisory & Financial Engineering, Asset Management, Private Banking, Stock Brokerage, Capital Markets, Financial Research, Post-Trade Solutions, Securitisation 5#6BANK OF AFRICA across the world NORTH AMERICA Germany Belgium Spain Switzerland France AFRICA Italy Netherlands Portugal United Kingdom China Canada United Arab Emirates ASIA EUROPE Morocco Cote d'Ivoire Mali Rwanda Benin Djibouti Madagascar Senegal Burkina Faso Ethiopia Niger Tanzania Burundi Ghana Uganda Togo Congo Brazzaville Kenya D.R.C Tunisia 6#7More than 60 years of Development 1959-1994 From a state-owned bank... 1995-2006 ...to a universal bank 1959: Bank established 1972: Opens first overseas operations with Paris branch office 1975: Listed on the Stock Exchange 1995: Bank privatised 2000: Representative offices opened in London and Beijing 2004: First non-European bank in Morocco to be awarded a CSR rating 2007-2020 ...and now a multinational Group 2007: BBI London starts operations 2008: Acquires a 35% stake in BOA Holding 2013: USD 300 million Eurobond issue 2015: - New corporate name adopted, 'BMCE Bank Of Africa', underlining the Group's African credentials - Stakes raised in BOA Holding to 75%, in Banque de Développement du Mali to 32.4% and in LCB Bank to 37% - African Entrepreneurship Award programme launched 2016: First bank to issue a green bond at COP 22 2019: BANK OF AFRICA Shanghai subsidiary starts operations 2020: BMCE Bank of Africa becomes BANK OF AFRICA 7#8Stable & Diversified Shareholding Structure BFCM CM CIC GROUP 24,56% FREE-FLOAT 16,21% December 2020 CPC Group PLC 5,38% RMA 26,59% CIMR 3,93% CDG 8,32% EMPLOYEES 1,09% MAMDA/MCMA 5,01% HOLDING BENJELLOUN MEZIAN 0,97% SFCM... O CAPITAL GROUP 7,06% 35,5% O CAPITAL GROUP O CAPITAL GROUP Private Moroccan group, leader in the country with a pan African impact. Present in different business areas with a potential economic growth as banking, insurance, telecom, new technologies, asset management, media... RMA A leading player in the insurance market, with an expanded and solid distribution network CDG GROUP Morocco's largest institutional investor and key player in the national economy. Its active include public financing of investment projects, saving management activities... BFCM CM-CIC GROUP One of the leading retail banks in France, providing financial services to more than 5.1 million clients, pioneer in electronic banking and a major actor in the professional market CDC Group Plc Established in 1948, CDC Group Plc is the largest UK Development finance institution in the world, holding an investment portfolio of over $6 billion across Africa & South Asia 8#9Results resilient despite the global pandemic BANK OF AFRICA Group's business activity proved resilient with consolidated net banking income up by a modest 1% at 31 December 2020, driven by 5% growth in net interest income and a 3% rise in income from market operations; this was due to a combination of: (i) strong momentum by market operations in 2020 against a backdrop of lower interest rates and (ii) a reduction in the cost of funding ■ Strong commercial performance with 4% growth in outstanding consolidated loans to MAD 194.2 billion at 31 December 2019, driven by a 4.4% increase in loans from Banking in Morocco (vs. +1.4%) to MAD 117 billion. Consolidated customer deposits also performing strongly, up 2% to MAD 207.1 billion at 31 December 2020 Contraction in Group earnings with net income attributable to shareholders of the parent company down by 29% (excluding donation) and net income at parent level down by 1% (excluding donation) after factoring in (i) a MAD 1 billion overall contribution to the COVID-19 special fund (ii) a 57% increase in the consolidated cost of risk; including the donation, net income attributable to shareholders of the parent company fell by 62% and the Bank's net income by 47% 9#10BANK OF AFRICA key figures -Consolidated Accounts- TOTAL ASSETS 332 Bn MAD 30.3 Bn EUR 37.5 Bn USD EQUITY ATTRIBUTABLE TO PARENT 22.6 Bn MAD 2.1 Bn EUR 2.5 Bn USD NET INCOME ATTRIBUTABLE TO PARENT 738 M MAD 67.5 M EUR 83.3 M USD NET BANKING INCOME 14 Bn MAD 1.3 Bn EUR 1.6 Bn USD CUSTOMER DEPOSITS 207 Mrd DH 18.9 Mrd EUR 23.4 Mrd USD CUSTOMER LOANS 194 Bn MAD 17.7 Bn EUR 21.9 Bn USD (*) Figures at end of December 2020 Exchange Rate EUR/MAD: 10.9351 & USD / MAD: 8.8648 as of December 2020 10 10#11BANK OF AFRICA - Parent Company - Key Figures Total Assets 215 Bn MAD 19.7 Bn EUR 24.3 Bn USD Gross Operating Income 3,271 M MAD 299.1 M EUR 369 M USD Net Income Net Banking Income 704 BRANCHES 724 M MAD 6,301 M MAD 66.2 M EUR 576.2 M EUR 81.7 M USD 710.8 M USD Customer Deposits 129 Bn MAD 11.8 Bn EUR 14.6 Bn USD (*) Figures at end of December 2020 Customer Loans 116 Bn MAD 10.6 Bn EUR 13.1 Bn USD Exchange Rate EUR/MAD: 10.9351 & USD / MAD: 8.8648 as of December 2020 4,987 EMPLOYEES ~2,5 Million CUSTOMERS 11#12BANK OF AFRICA STRATEGY#13The 2019-2021 Strategic Development Plan A growth accelerator The Strategic Development Plan (PSD) adopted by BANK OF AFRICA Group for the 2019-2021 period provides a long-term vision underpinned by a number of sustainable growth drivers. The Bank's Senior Management has called for this plan to be reviewed given the unprecedented circumstances resulting from the COVID-19-related health crisis whatever amendments are made, the Plan is likely to underline BANK OF AFRICA's commitment to meeting the major challenges of sustainable development and provide a clear roadmap for accelerating the Bank's digital transformation as well as fostering new growth drivers in Morocco and overseas. In a positive long-term economic backdrop that needs to overcome the short-term health crisis, the Strategic Development Plan is being launched at a time when the economic context is complex. BANK OF AFRICA, which has forged close ties with its different stakeholders, will act as an intermediary. The Group is also more than capable of innovating and, together with its customers, will help identify solutions in Africa which are more economically efficient and underpinned by the 4th industrial revolution. A major investor arrives in Africa - a shared vision and a firm commitment to the continent's economic development. In 2019, CDC Group Plc acquired a 5% stake in BANK OF AFRICA amounting to the dirham-equivalent of two hundred Million US Dollars. This venture represents CDC Group's first direct equity investment in Morocco and is one of the largest deals ever done by a UK institution in the Moroccan financial industry. 13#14MAIN TAKEAWAYS 2020#15Strongly committed and fully mobilised in support of the Moroccan and African economies against a backdrop of the global pandemic . Under Chairman Othman Benjelloun's leadership, BANK OF AFRICA made a MAD 1 billion contribution to the COVID-19 pandemic management fund established by His Majesty King Mohammed VI, an initiative which reflects the Group's strong commitment to the national cause during this period • A series of measures implemented aimed at supporting the domestic economy and helping to save jobs by assisting companies and households encountering difficulties, consistent with the Group's values as a socially responsible organisation promoting solidarity, particular, by mobilising branch networks (704 in total) and ATMs for the benefit of hundreds of thousands of citizens in Morocco • - Mobilising support for customers by launching two new products guaranteed by the Caisse Centrale de Garantie Damane Oxygène, enabling COVID-19-stricken small businesses to finance current and operating expenses and Damane Relance, helping business customers with their recovery Assistance and support for nearly 10,000 Moroccan small businesses in the form of almost MAD 12 billion of funding since the beginning of 2020 as a result of the pandemic • Crédit Entrepreneurs Covid-19 launched for entrepreneurs encountering difficulties and strong support for the economy, accounting for 30% of all loan applications under Maroc PME's Imtiaz and Istitmar programmes designed to help small businesses fund investment in technology 15#16Initiatives promoting investment • • EUR 10 million facility granted by the European Bank for Reconstruction and Development and the Green Climate Fund, taking the form of a secondary loan to local SMEs planning to invest in energy efficiency and resource optimisation projects, as well as enabling them to participate in regional value chains • Memorandum of Understanding signed with Zhejiang China Commodity City Group (CCC Group) on the occasion of the 3rd China International Import Expo (CIIE), aimed at providing financial support to the Chinese group in its overseas development, particularly in Africa, through trade and logistics parks Memorandum of Understanding signed with Export-Import Bank of India (EXIM Bank), aimed at supporting Moroccan and Indian companies and promoting investment in innovative industries 16#17Measures benefiting entrepreneurship • • Renewed commitment from the Entrepreneurship Observatory, an integrated ecosystem of around sixty public and private sector partners, to support entrepreneurs by providing specialised non-financial services • A series of high-impact value-generating measures introduced, including a website providing a wealth of financial and non-financial information, bespoke and diploma- based training courses with partner universities, as well as non-financial services through mentoring modules and networking programmes Agreements signed with local authorities, calls for expression of interest initiated in support of small businesses and cooperatives and the Blue Space incubator network rolled-out 17#18Accelerated digital transformation benefiting customers BANK OF AFRICA strongly committed to being a 'bank which is connected to the future', offering customers a simpler, digitised experience in the form of online, practical and secure solutions, enabling them to carry out banking transactions with free-of-charge payments, withdrawals, money transfers and card-less cash withdrawals Digital banking development accelerated by (i) improving customer experience across all distribution channels whilst developing new revenue streams, (ii) BANK OF AFRICA underlining its growing reputation as a leading player in digital banking and innovation, (iii) digitising front-to-back business processes aimed at improving operational efficiency New scalable remote banking services rolled out aimed at enhancing and offering new functionality. Practical and secure remote banking solutions enabling customers to carry out their banking transactions quickly and easily with a number of transactions free of charge Crédit Habitat online portal launched - www.credithabitat.ma - an online mortgage subscription platform: 1st bank to provide customer service via WhatsApp, a new mode of customer interaction, making it easier to access information and provide an instant response to customer requests Improved customer experience in the latest version of BMCE Direct, offering a more user-friendly approach and additional services BMCE Exclusive service improved and renamed as Exclusive by BANK OF AFRICA in order to revitalise the product BK Financial Bot launched by BMCE Capital, the first specialised investment banking chatbot in the sector Subscription-free access to all BMCE Capital's digital platforms to encourage use of digital channels Two remote banking services launched by BTI Bank, BTI Connect for retail banking customers and BTI Business Connect for businesses 18#19New Board Directors at BANK OF AFRICA Group . The Board of Directors shall propose to the forthcoming Annual General Meeting of Shareholders the appointment of two independent Directors, Mr Mohamed Kabbaj and Mrs Nezha Lahrichi, as well as the internal appointment of Mrs Myriem Bouazzaoui as Director • The Annual General Meeting shall also acknowledge the resignation of two foreign independent Directors, Messrs Philipe De Fontaine Vive and Christian De Boissieu, to whom the Chairman and the entire Board of Directors pay tribute and convey their warmest regards 19#20A LARGE PRESENCE IN AFRICA#21Consolidated figures for BOA Group at 31 December 2020* 18** countries 556 bank branches 6,256 staff 4.3 million accounts TOTAL ASSETS SHAREHOLDERS' EQUITY attributable to shareholders of the parent company EUR 8.7 billion EUR 585 million CUSTOMER DEPOSITS CUSTOMER LOANS EUR 6.2 billion EUR 4.2 billion NET BANKING INCOME EUR 573.6 million NET INCOME EUR 102.7 million Exchange rate at end-December 2020: Euro/MAD= 10.9351 * Local accounting standards ** including BOA France 21 21#22African business maintaining strong growth BOA branch network rationalised with the total number of branches standing at 556 units More than 187,000 accounts opened between 31 December 2019 and 31 December 2020, taking the total to 4.3 million accounts EUR 4.2 billion of customer loans, down 4% compared to 31 December 2019 6% growth in customer deposits to EUR 6.2 billion between 31 December 2019 and 31 December 2020 22 22#23BANK OF AFRICA: Large presence in Africa TBANK OF AFRICA ~72.5% Groupe BMCE BANK 2007 Acquisition of 35% of BOA Holding, a major Pan African banking group BMCE present in 18 countries in the African continent. Nowadays, Bank of Africa Group owns 73% of its shares LCB LCB Bank 37% GROUPE BMCE BANK 32,4% BDM SA 2003: Following a successful restructuring program, Bank of Africa acquired 25% of LCB Bank was made. Bank of Africa owns today 37% of LCB, which the first bank in Congo Brazzaville 1989 First Moroccan Bank to be established in sub-Saharan Africa during the end of the 1980s, beyond a successful restructuration of La Banque de Développement du Mali. It is the first Bank in the country in which Bank of Africa owns today more than 32% : Launch in 2006 of Axis Capital in Tunisia, specialized in asset management, stock brokerage and advisory services 2006 BMCE CAPITAL 59% TUNISIE 23 23#24Shareholding' Structure of BOA Holding BANK OF AFRICA BMCE GROUP Proparco GROUPE AGENCE FRANÇAISE DE DÉVELOPPEMENT •Bank Of Africa: First Moroccan bank to be established in sub- Saharan market. • A network of more than 1,800 sale points worldwide with a foot print in 32 countries include more than 20 in Africa •PROPARCO : a financial institution jointly owned by Agence Française de Développement (AFD) and private shareholders from developed and developing countries FMO Entrepreneurial Development Bank bio Development through Investment •FMO: Dutch development's agency focused on private sector's financing projects, created in 1970 by the Dutch government which holds 51% of its capital •BIO a Belgian institution specialized in development finance in 2001 to promote the growth of the private sector in emerging and developing economies Proparco 3.73% FMO 8.94% BIO 2.03% As of December 2020 Private Sector African Investors 12.89% BANK OF AFRICA 72.41% 24#25BOA Holding, the second largest Pan African Group * BOA-Benin BOA-Burkina Faso BOA-Côte d'Ivoire 1997 1996 1989 2011 Number of Branches: 52 Number of Branches: 40 Number of Branches: 49 BOA-Togo 2013 Number of Branches: 13 Senegal Morocco Mali Niger BDM SA-Mali Burkina Faso Côte d'Ivoire 1983 Ghana Number of Branches: 59 Togo Benin Tunisia BANK OF AFRICA 2006 1959 BMCE Capital Tunis Number of Branches: 732 BOA-Ghana BOA-Mali BOA-Niger ★ BOA-Senegal 1983 1994 2001 Number of Branches: 26 Number of Branches: 65 Number of Branches: 31 Number of Branches: 57 Tunisia Uganda Congo RD Congo Ethiopia Djibouti 2009 LCB Bank Number of Branches: 19 2010 BOA-RDC Number of Branches: Kenya Rwanda 17 Burundi Tanzania Madagascar 1999 BOA Madagascar Number of Branches: 92 Burundi BOA-Rwanda BOA-Djibouti BOA-ganda BOA-Tanzania BOA-Kenya 2015 2010 Banque de Crédit du Bujumbura 2006 2007 2004 2014 Number of Branches: 14 Number of Branches: 10 2008 Number of Branches: 35 Number of Branches: 26 Number of Branches: 32 Number of Branches: 23 West Africa Central Africa East Africa Southern Africa North Africa BOA-Ethiopia Representative Office 25 25#26Intra-Group synergies for Africa Development BOA Holding - BANK OF AFRICA Development of synergies in many areas: Finance, Risk Management, General Control, Compliance, IT ... BOA Holding - SALAFIN Implementation of a complete platform for automobile financing Implementation of a management tool for debt collection BOA Holding - BMCE Capital Joint-venture with BMCE Capital covering activities of advisory, stock brokerage and asset management BOA Holding - BMCE Euroservices Development of synergies between BMCE EuroServices and BOA-France in the money transfer activities BOA Holding - RM EXPERT Implementation of a management tool for debt collection BMCE Bank International Holding (Londres, Paris, Madrid) Development in Africa as a specialist of Corporate & Investment banking BANK OF AFRICA Shanghai Branch Promotion of Chinese investments on the continent through Trade Finance and Project Finance 26#27Synergies Platform Overview BANK OF AFRICA BMCE GROUP Moroccan & BMCE Shanghai Branch French Crédit Mutuel Chinese customers customers CC West Africa DRC SYNERGIES PLATFORM Based in Dakar Madagascar Djibouti Junisian BIAT customers East Africa Ethiopia 27#28EUROPEAN OPERATIONS#29European operations: contribution to net income unchanged at 9% Contribution to net income attributable to shareholders of the parent company* 9% BMCE Bank International Holding BIH, the Group's European platform which brings together the operations of its two European subsidiaries, BBI London and BBI Madrid, contributed 9% or MAD 129 million to net income attributable to shareholders of the parent company at 31 December 2020 BMCE Bank International Holding BBI Londres Corporate Banking & Financial Markets BBI Madrid Trade Finance Money Transfer at the Service of Moroccans Living Abroad BMCE Euroservices About 40 Representative Offices across 8 countries France, Spain, UK, Italy, Germany, Netherlands, Belgium & UAE 29 29#30A SOCIALLY RESPONSIBLE BANK#31BMCE Bank Foundation benefiting education and the environment in Africa Dr Leïla Mezian-Benjelloun awarded the Officer medal of France's Légion d'honneur and ICESCO's African-ness Award, as well as being appointed Honorary President of Teach for Morocco, an NGO Nearly 200 specialised pre-school and primary education units built and fully equipped, covering Morocco's 16 regions and work started on 60 fully-equipped pre-school classrooms in the Temara, Fez and Al-Hoceima regions 63 schools providing a pre-school and primary education to approximately 11,060 pupils from socially disadvantaged backgrounds 480 teachers, 46% of whom are women, supervised and managed and 22,000 pupils schooled, 50% of whom are girls BMCE Bank Foundation's operations in sub-Saharan Africa bolstered, taking the total number of schools to 6, in Senegal, Congo Brazzaville, Mali, Rwanda, Djibouti and 1 socio-educational centre in Senegal Partnership agreements entered into between BMCE Bank Foundation and the Paris Education Authority and the French Institute of Morocco aimed at (i) enhancing the quality of teaching across the Medersat.com network, (ii) supporting the training of supervisors, (iii) improving the French language skills of teachers in BMCE Bank Foundation schools, and (iv) promoting staff enrolment in distance learning training courses. Partnership with Teach For Morocco, a member of Teach For All, a New York-based international NGO, which will see TFM provide preschool education (2nd and 3rd years of kindergarten) in eighteen network schools 31#32A key player in sustainable development Women in Business programme launched, a EUR 20 million funding and assistance programme promoting female entrepreneurship in Morocco, making it easier for women to access funding and technical assistance; similarly, sustainable financing lines extended and relaxed - Cap Valoris, in partnership with the EIB and the FMO and Cap Bleu, in partnership with the AFD; in addition, BANK OF AFRICA financed the first phase of construction of the Taza wind farm BANK OF AFRICA, in partnership with the EBRD, contributing to the strategy of the Climate Action in Financial Institutions initiative and the European Union's new Sustainable Finance Strategy as well as publishing the Morocco Map of priority financing needs relating to SDGs, the first of its kind within UNEP FI's Positive Impact Initiative framework CSR Charter roll-out extended to each of the Group's subsidiaries in Morocco and overseas and CSR Contact Persons Club redynamised Promoting gender equality with a gender equality roadmap introduced aimed at promoting equal opportunity, consistent with the Bank's 'Gender and Inclusion' policy. Signed up to the Women's Empowerment Principles, a joint initiative established by UN Global Compact and UN Women 32 32#33Performance in sustainable development and CSR widely recognised and strategic partnerships Partnership agreement signed with the European Bank for Reconstruction and Development (EBRD) for a EUR 145 million finance facility, the first of its kind in the forty or so countries in which this multilateral financial institution has operations, available within the framework of the EBRD's 'resilience framework', in response to the global health crisis Partnership agreement signed with International Finance Corporation aimed at bolstering the Group's climate finance capabilities, including analysing the climate impact from its funding activity Climate change aspect incorporated within the Group's Risk Policy and a working group set up to provide an initial analysis of the climate risks to which its commercial loan portfolio is exposed Analysis of the Bank's and the Group's portfolio from a Positive Impact aspect and the Morocco Country Needs Mapping initiative carried out by BANK OF AFRICA published in November 2020 by UNEP FI Participated in UNEP FI's Annual Global Roundtable as well as the UN Global Compact Conference on Sustainable Development Goals in Africa BANK OF AFRICA partnering Energy Efficiency Magazine, a new international English language publication Morocco – the result of a partnership between AOB Group and Energy Efficiency Global Alliance (EEGA) Made in 33#34Performance in Sustainable Development and CSR widely recognised GHG ASSESSMENT* (T CO₂E/EMPLOYEE) 5.16 PERCENTAGE OF WOMEN EMPLOYED BY THE BANK 40% GHG EMISSION SAVINGS (MORSEFF + GREEN BOND T CO₂/YEAR) 45 000 PERCENTAGE OF LOCAL COMPANIES MANDATED BY THE BANK ACROSS ALL PROJECTS 95% ENERGY SAVINGS (ISO 50001 PROJECT) 14% 250 000 T CO₂ SAVINGS DUE TO THE WASTE RECYCLING PROGRAMME AND A STRATEGY OPTIMISING BUSINESS TRAVEL *Estimated quantity of green house gases emitted 34#35International certifications renewed V.E VIGEO.EIRIS BANK OF AFRICA in the top 2% of all global companies rated by Vigeo Eiris (4,880 in total) and 1st out of 90 in the banking sector 'Retail & Specialised Banks - Emerging Markets' category - following the first corporate sustainability rating to be undertaken in Morocco, thereby underlining its leadership status in CSR. BANK OF AFRICA awarded an A1+ rating (Advanced level) based on an overall score of 64/100, thereby underlining its reputation as a leader in CSR SAFE GUARD RESTART YOUR BUSINESS WITH BV BANK OF AFRICA named 'Top Performer CSR 2020' for the 7th consecutive year by Vigeo Eiris, a non-financial rating agency. BANK OF AFRICA topped the rankings within the emerging markets' banks sector (1st out of 101 banks). It was also ranked first among 897 companies within the region and 65th in the world . COVID-19 prevention Safeguard label awarded by Veritas Group, underlining the Group's overseas social undertakings as well as reassuring stakeholders about the effectiveness of its business recovery plan, consistent with world health, hygiene and safety standards EAU VERI BURE • ISO 14001 certification for environmental management successfully renewed for the 9th consecutive year with the scope of certification extended to the Bank's ESMS; OHSAS 18001 certification for occupational health and safety risk management renewed for the 3rd consecutive year ISO 9001 ISO 14001 OHSAS 18001 BUREAU VERITAS Certification // 1828 . The Group's Anti-Corruption Management System awarded ISO 37001 international certification 35#36Domestic and international awards (1/2) AFRICA INVESTMENTS FORUM & AWARDS GOLD AWARD Best Bank For Africa BANK OF AFRICA 2021 • BANK OF AFRICA named "Best Bank in Africa 2020" by Leaders League's prestigious Golden Award at the AIFA -Africa Investments Forum & Awards GLOBAL FINANCE BANK OF AFRICA named 'Best Bank in Morocco 2021' by Global Finance magazine; this award provides just recognition for the Group's growing reputation as an African bank and its remarkable success across the continent الجائزة العربية للمسؤولية الاجتماعية للمؤسسات ARABIA CORPORATE SOCIAL RESPONSIBILITY AWARDS BANK OF AFRICA an award-winner for the 7th consecutive year at the 2020 Arabia CSR Awards in Dubai in the Financial Services category European Bank for Reconstruction and Development • BANK OF AFRICA named Most Active Partner in Morocco in 2020 by EBRD 36#37Domestic and international awards (2/2) GTR Global Trade Review • BANK OF AFRICA named "Best Trade Finance Bank in Morocco" by GTR Trade Review in Its Annual Review GTR+MENA 2021 ÉLU SERVICE CLIENT DE L'ANNÉE 2021 Wins the 'Best Customer Service Award Morocco 2021' in the Banking category for the fourth consecutive year, reflecting the strong commitment by each of the Bank's businesses to existing and prospective customers and to improving the quality of the service provided PRIVATE EQUITY AFRICA Awards ✰✰✰✰2020 WINNER • BMCE Capital Conseil an award-winner in the 'Single Deal Local Advisor' category of the 'Private Equity Africa 2020 Awards', earning recognition for its support for one of Morocco's leading private healthcare providers in a flagship transaction, thereby underlining its reputation as a benchmark financial advisor to companies and institutions for their strategic deals top EMPLOYERS INSTITUTE Eurafric Information, BANK OF AFRICA Group's IT subsidiary, named 'Top Employer' for the 2nd consecutive year by the Top Employers Institute, a prestigious international organisation, in recognition of its ongoing efforts to develop a robust, consistent and employee-focused human resources strategy, thereby underlining its reputation as a highly attractive employer. 37#38XEN▾ Q Search Share Price Investor shareholder BANK OF AFRICA BMCE GROUP HOME THE GROUP CORPORATE GOVERNANCE SUSTAINABILITY FINANCIAL AND EXTRA FINANCIAL INFORMATION MEDIA ▼ CONTACT BANK OF AFRICA GROUP LAUNCHES THE DIGITAL INSTITUTIONAL PRESENTATION Find out The Group's entire financial communication publications may be found on the website www.lr-bankofafrica.ma