PAGE 1/1

Tam

azivt

BMCE BANK

Agmmur

AWAL UNMVUR TABRAT I YMSSAMUTN

AWAL UNMVURN D TBRAT I YMSSAMUTN

MAYD ILLAN G UGRAW ADBLAN

TISFRAS IWNMVUR USNUCCG

TASTRATIJIT N TRBIOT BMCE BANK

TIMITAR ILLAN

ISMMGZALL N

TIYUFA N TRBIOT

BMCE BANK G LMAVRIB

BMCE BANK G AFRIQYA

BMCE BANK G URUBBA D ASYA DG MIRIKAN TANAFLLAT

TAMASAYT TANAMUNT D TAFZWANT

PAGE 2/3

Awal unmvur

Othman BenjellounPrésident Directeur Général

Iddv s unggz n tguri n tyafut iddukman as tlla trbiot n BMCE Bank g 2013. Llig tssili zg tyafut tazddagt ili n trbiot s 33% igan 1,2 umlyar udrham, yakkan timitar s tnm tstratijit nv usmsi, d ikkan addukmu n tyufa nv g lmavrib d utamma nna nga vrs amaÄal : g afriqya s trbiot Bank Of Africa dg urubba s usras nga i tays-sa tawrubit ddaw umalu n BMCE amaÄlan hulding, d mirikan tanfllat s urççum nv i yan usggawr usnnbgu g kanada.

G afriqya, asdiddi aduran usmsi yuca tizmmar i tr-biot nv ad tdrf g wunfus n twuri iddukman tççu içu-ran g tmizar yaÄ, sumata g ïugu d itubya. Asgwudi nv wacal, llig namu g tguriwin usmsi g afriqya tuca tiyufa iddukman n trbiot

iggafin zg uyn xf tlla g 2008 s 17% ar 41% g 2013, nna isul ad gafin tt ugar g isggwasn dd iddan, s ukc-cum nga amaynu vr afriqya tanglizitufun d talusufu-nit.

Lla nsnuccug dvi yat tsu-rift änin usmsi n BMCE Bank, s udraf ntgga i tzm-mar n trbiot tazgnmÄlant, ismunan amuggu n tzmmar inmn d isnamarn xf isnfarn ittawin vrs imal, yusin iwttasn gin tirsal watign.

BMCE BANK

Outman bnjllunAnmvur aslway amatu

Lbank afidirali umrwas amsnnirs- cicS umazan n Micil lukas

RMA WATANYAS umazan n Oazdin gssus

Abyao isrusn d usnuccgS umazan n Anas hwir oalami

Lbank isbiritu santuS umazan n Bidru muskira du amaral

Agraw adblan

Othman BENJELLOUN

Azeddine GUESSOUS

Michel LUCAS

Anass HOUIR ALAMI

Pedro MOSQUEIRA DO AMARAL

Othman BENJELLOUN

Azeddine GUESSOUS

Michel LUCAS

Anass HOUIR ALAMI

Pedro MOSQUEIRA DO AMARAL

PAGE 4/5

AsdrmkumS umazan n Zuhayr bnsoid

Oadil dwiriAdblan asinag iwdan

amin buobidAdblan asinag iwdan

Mamun blviti adblan

brahim bnjllun – twimiadblan aslway amatu amsmajjal n trbiot

Mupamd bnnaniAdblan

Mohamed BENNANI

Zouheir BENSAÏD

Brahim BENJELLOUN-TOUIMI

Amine BOUABID

Mamoun BELGHITI

Adil DOUIRI

Mohamed BENNANI

Zouheir BENSAÏD

Brahim BENJELLOUN-TOUIMI

Amine BOUABID

Mamoun BELGHITI

Adil DOUIRI

BMCE BANK

MAMOUN BELGHITIAdministrateur de BMCE Bank, PDG de RM Experts

BRAHIMBENJELLOUN-TOUIMIAdministrateur Directeur GénéralExécutif Groupe

BRAHIMBENJELLOUN-TOUIMIAdministrateur Directeur GénéralExécutif Groupe

MAMOUN BELGHITIAdministrateur de BMCE Bank, PDG de RM Experts

Imqrann usnuccg

rahim bnjllun – twimi igam bah jBrBrAsntaw aslway amatu amasaysltaw waAsnsvrs anmvur vrs anmvur dvurs an vvrsramazan i tayyawin n trbiottazan yyyymn BMCE Bank CE B zg marsz 2010.lla ysnuccug timvrt iuccys ugllllrabbut n tayyawt tamatut,t nab ttrt

anmvur wis sin i wmrwaswimvu s anusdal. D ntta ayd igan anmvurDusd ntui wsqqimu usfafa nsqi im BMCE Capital S.Atal C S.A d BMCE capital bourse n salafin- tamqqacut umrwas sa afussulv, d altu win lmavribusssulfakturing, ig altu amsnfak -taw i tayyawin yaÄ idrimntaimcrmaÄ am magribay dRM icrmaÄn. Mass Brahimbnjllun – twimi d amsntaw g BOA hulding n BMCE Bank amaÄlan UK d win BMCE amaÄlan madrid, d unmvur usqqimu nBMCE Euroservices, i tayyawt n twuriwin g MRE n urubbad udvar usqqimu amsntaw nbrubarku.Ikccm vr BMCE Bank g 1990, iga tawuri ns, ad isbeddatayyawin d twuriwinumsawaÄ ugdz d usnuccginzzivn, d altu d mskwit iwgdz n kazablanka.Ig altu anmvur i wsqqimu

usfafa n uruafriqya- igan yat tsntut usays n tiknulu-jit, itwaggn g BMCE Bank, RMA watanya, d trbiot imrwasn usnnirs-CIC.Yan unbdad i wsqqimu asntawn uru invmisn g fransa,tayyawt tatiknulujit n tr-biot umrwas usnnirs, Massbnjllun – twimi, iga anmvur n kigan n tayyawin titiknu-lujiyin n trbiot BMCE Bank, d unbdad i wsqqimu usfafai trabbut isnnirsn RMA watanya n trbiot FinanceCom. D unmvur usqqimu amsntaw nBMCE Bank usnnirs , n tmqqa-cut usnam n trbiot BMCE Bank.Asntaw i tmgrawt BMCE Bank d kigan tmsmunin n issgmi,iga anmvur i PlaNet idrimn g lmavrib, tasnayt i twizitamälant igan tin usnfl iydrimn idrusn d altu igaanmvur i tmsmunt tanamurti tmqquca timvrabiyin syili(ANMA).Mass Brahim bnjllun – twimi d duktur g iqriÄn,asdrm, d lbanka n tsdawitbariz 1 bantyun surbun. G arittlmad duktura, ittustizg FMI pma ad ig tirziwin ns xf usnay asdram g yattmazirt zg tis ganin tinb-dadin.Inca tawuri ns xf igudazisdramn g fransa, yasi tama-sayt n trzi g upanu n igudazg yat lbanka n tvawsiwin gfransa.Itwaru g 1960, yiwl Brahimbnjllun – twimi, yaru kraÄicirran.

Mass Mamun blviti Adblan nBMCE Bank, PDG n RM tamcrmaÄ, d unmvur amatu i tayawyt n trbiot igan tin tguri isvaln, RM amcrmaÄ, ig altu adblan n BOA- kutdibwar,tayawyt n trbiot BOA.Mass Mamun blviti iga tawuri ns g tzwiri n 1972g tmsmajjalin timatutin dar as g tslwayt n tpÄi. G1982 yusi tamasayt s iga aslway umrwas d ivarbutn,dg 1991, d amasay i tslwayt usmsi d umrwas. G udvarad ag msasa mass blviti s wassav lbank d d kigan n tsggiwin imrwasn, sumatad lbank amaÄlan, IFC, FMI , BADd BEI.Zg 1996, yusi tamasayt itslwayt n tvawsiwin tis-dramin, yamu altu g usras i tstratijit usmsi d usmaynu usnay lbank.G usggwas nna , yamu ntta d unmvur d kigan imsmajjal imqrann g tguri GDR, yudjanBMCE Bank ad issili ayddans zg igudaz imaÄlann iyd-datn. G tguri yad ayd yuli mass blviti vrs advar uslway amatu wissin.

G fbrayr 1998, iga aslway slway amatu, yasi altu tamasayt nasay ntslwayt n tvawsiwin tisiwi is-dram d tin lbanka n tratsaka n ratsalmavrib. G briylri 2002,2002yavul iga amsdiwr amatu isdi r am tu i wslway, itgin amazan lbankgi maza lbankvr lbankat yaÄ timaÄlanin dt ya timaÄ danitsnbaÄ tinmula. a.Ar izddi altu gr tsntutini al u g t tintlbank d imssamutn.ims amu n.G mars 2004, 00 iga mass iga ma sblviti adblan aslway amatuadb an a l amyyusi tamasayt n rumidyalt r dyiamsnaccg n trbiot.n t bi t.Yamu sumata g kigan igrawn , ta ki an awgrd tinawin g lmavrib d brra g l vr b rrabns.Itwaru g 1948, yiwl masswl masblviti , ilin virs sinn vi s s nicirran.

DRISS BENJELLOUNDirecteur Général Déléguédes Finances Groupe

M’FADEL EL HALAISSIDirecteur Général Déléguéen charge de la Corporate Maroc

DRISS BENJELLOUNDirecteur Général Déléguédes Finances Groupe

M’FADEL EL HALAISSIDirecteur Général Déléguéen charge de la Corporate Maroc

PAGE 6/7

Mass Dris bnjllun, Aslwaylls b n, nriris Dsas amatu amsdiwr amasay idiw smsdstu atmatu tvawsiwin idrimn n trbiotrimn id niwiwwsatvawsBMCE Bank,k,BankanCECE BMMCE ig altu admsan ilt i utayawin n trbiotiotr twin ninyawt ya BMCE Bank,B Bamamam BOBOA OA tarbiotiottarbt , BOA binin dBMCMCE CE BMB tamuçuntuntamut .Zgus ikccm tarbiotcm ts ikZgusZgu BMCEBanknkaB gg 1986, 98 iga mass Drisbnjllun amasay i wsggzdu ambnjlusnfar n mskwit i yatfar n ustayawt n tpÄI usnuccg,yawtyurzzun ad issmvr tandha nytguriwin fir as d amasay i zg 1990, issiÄinn taslwaytd tipÄi usnuccg.Dart i tiççugla n BMCE Bank, yavul mss Dris bnjllun damasay i tslwayt usnulfulbank, i wssmnu tayyawintadla tamsmajjalt d ussiÄnnsn s va gdenn kigan i yml-tavn.G 1998, mass Dris bnjllun iga aslway amatu wissin,yusin kigan n tmasayin ntslwayin lbank, igan tarslti trbiot usnulfu- asnulfulbank, asnay ussiÄn, asnay,tiowalin timatutin, isnnirsn-,

tawuri tanafllat i wadla d uzdday d usmussu i tayyawin pma ad gin s uyn ivudan tiwu-riwin nsnn g usays usmsi g brra n tmazirt d jaj ns.G 2003, iga mass Dris bnjl-lun amasay i wadla asdram n trbiot issdusan sumata as-nam n kigan n tayyawin n BMCEBank, ilin tt g lmavrib ,urubba nvd g afriqya.G tsga yaÄ yusi tamasayt i wsggzdu n sin isnfarr ixa-tarr idamsann idvarr, igan ammuty vrs asnay IFRS iynunn n trbiot d usnam i ysnayn igabal IIIsggzdu asnfar n mskit i kigan n tayawin am tin BMCE amaÄlan madrid, lmavrib fakturing, ammas asdram gr lbank, d dukubint. G afriqya, yamu g mskit iBDM isggzdu asluz i tngga-rut ad d BMCD.Iga taguri ns tamzwarut d amssiÄn amsdiwr g kigan imsgawr ibrraniyn, iga asl-mad g tsdawit n bikardi ;Mass bnjllun, ywid duktura ns zg fransa , tasdawit n bariz dawfin d yat tmnag-gayt n tçrawin issiÄn imafllatn.Itwaru g 1955, yiwl mass bnjllun, d basn i kraÄ icir-ran.

Mass Mfaddl lhalayssi,Aslway amatu amsdiwrisizzil i tyamunt lmavrib. Adla yad n tslwayt tamatutismun agdz n tmqucca, n PME-PMI i tmqaccut tamqrant.Tamasayt ad as itmmucn fir i 25 usggwas n tguri g BMCEBank, g tguriwin imrwasn, assdrm i ysnuccugn idrimn, i mskit imrwasn, d usrasg udvar i yfssayn imqrann,amccrmÄ g ugdz n tmqucca.Zgus ikccm BMCE Bank, igatamasayt xf kigan n tsntu-tin am tin mskit imrwasn yamu g usmrara wawal xf imrwasn n brra sumata d lbank amaÄlan, IFC,B.E.I,…isggwasn imzwura ikkatin yusi tamasayt g tslwayt isnuccgn idrimn d igudaz n tmqucca g 1998.

G briylylbr 2002, 20 yavul d asavul d as--lway amatu wissin i tayamunttu wiss tayamuntamalbank, adla izdin d umaÄal.izdin d umdla iYamu g kigan igrawn izdinawn izdinan igrs ussdrm usnfar ussdrm,rmr ussdrdg ugraw asdram d ussiwy siwyivudan i ynzzivn vr illawanaw ad n isnuccugn idrimn.Yiwid duktura ns g tdamsazg tsdawit n lil. Msslhalayssi, yiwl, yaru sinicirran.

BMCE BANK

OMAR TAZIDirecteur Général Délégué en charge du Retail Maroc

MOUNIR CHRAIBIDirecteur Général Délégué en chargedes Opérations Groupe

OMAR TAZIDirecteur Général Délégué en charge du Retail Maroc

MOUNIR CHRAIBIDirecteur Général Délégué en chargedes Opérations Groupe

Imqrann usnuccg

Mass Munir craybi, Aslwaynirs r cMasMaamatu amsdir i tguriwin nsdtu iramamtrbiot.biorS uyad as yavul massyad yaS Munir craybi ad isnuccgrayir ybMuMuivawsiwin lbankiwvaw intit IT d usnayn

trbiot- asntay amanaw, , asnayot- rb strtucrmÄ, tadla tamsmajjaltÄ tucr adulbank, tiowalin, azrf dk, lb iomsivt n trbiot, d wammasivtm n tn tmsmajjalt n twuriwintm maRH, .RH, . g uyad aga mass Munirgcraybi amsggzdu i i yswnra -gim istratijiyn lbank amgtuggiwin n twllafin amsg-gzdu isnayn n crmiÄ lbankd tmsnnirst (SYBEA), asnay i wsnfar i mskit n tadlatamsmajjalt lbank d usnfaru usvudi irçan lbanka. Mass Munir craybi igatawuri ns g tizwiri n 1987, d anmvur usnfar n twllaftamsggzdu usnay n crmiÄ iwmsggawr ussulv wugguzn.G 1994, mass Munir craybiiga aslway amatu i wsggawrn crmiÄ amswuri. Azrruy nsvrs asggawr iga tamatart

i wsmsi invmisn , itamman g usays n tmqaccut d usrus i ysnfarr usnam iorrimn. Taguri ns g umsggawr tamu g mskit i tmqaccut tanamurt i twuri iorrimn (ANAPEC).G 2001, mass Munir craybi, iga aslway amatu i wbyyao anamur d tmsnnirst tanamunt. G uzrruy ns vr CNSS, tkkatmgrawt ad asmaynu n towalin usnuccg, igan timitar i wsrus usnay n tvuriwin xf ifrruyn d ufrruy xf irçan n tvuri n tmqucca. Azmz ad tga sumata tamatart i wsras n tmsnnirst xf ivnca s dro, tayawt tamaynut i wsnnirs anamun.G 2005, iga mass Munir cray-bi wali i tsga mrrakc tan-sift lpuz, issn g tnbaÄ nsyan usmsi imqqur sumata aynizdin s usnuccg idrimn daltu ad tavul tsga n mrrakctansift lpuz , yat tmazirtg iggwudi usnuccg idrimnawd g tsntutin tizugaz ; Mass Munir craybi, lajryunzg timl bulitiknik n barizg lajryun zg tinml tanamurttamajgalt i wmsawaä zgbariz. Tmmuc as lmadayaumnay n tglda g 2008. D tin lyubuld zg tglda n bljika.Itwru g 1963, mass Munircraybi, yiwl, yaru sinicirran.

Mass Oumar tazi,Aslway amatuamsdiwr i tmstut lmavrib.Lla ytgga mass Oumar tazitawuri n uslway n buydrimn ntmltavt g lbank usmsi n kana-da, lbank amcrmaÄ g ussdrm isnfarr usnuccg idrimn n PME,dar as wissin unmvur imrwasn i wsggawr n munryal.G 1992, isikkmt wafa bank ad ig amasay i wvarbu.zg 1993 ar 2005,r mass Oumartazi ikccm g kigan d idvarr g tsntut tamatut lmavrib lbank (SGMB), sumata d amasay i tslwayt imrwasn usnuccg idrimn , amasay n tratsa ussulv igudaz uçlign, ims-majjal d tmqucca, dart uyn d uslway amatu wissin lbank n tsbbabt.G uzmz ad, yavul d admsan, anmvur wissin d unmvur i kigan n tayawin n SGMB, SOGECRIDIT, SOGEFINANCEMENT d ACMAR d lma-vrib. Zg 2005 ar 2010, r tlla vrmass Oumar tazi yat tirmt g usays n tmssamunt d adblan- aslway amatu n trbiot AFMA, t

acrmaÄ g ugraw d umsgzdu ngzdu ntmsnnirisin.G yunyu 2011 ayd ikccm masskcc ass Oumar tazi g trbiotbio BMCE BMCEtBank, iwcan yat tafssi i wst ta si i ws-nuccg n tvawsiwin n tabbabt g iwi tabbab glbank ,s tizmmar d uccrmÄ zm r d uccrmÄns. G 2012, yavul yat dart tayÄ,yavu yat dar ayÄt tanbdad g ugraw n tipÄi n salan ti Ä alan s -fin d udblan amsdiwr nlan sd wr BMCE MCBurumsmajjalj l.Yiwid mass Oumar tazi yat ss uma t yzmastr g tussnawin tisdramtus aw t rszg tsdawit n cirbruk- kanada.cirbr kakItwaru g 1962,196 yiwl mass yi l ssOumar tazi, yaru sin icirran.i y ru sin rrci

MOHAMMED AGOUMIDirecteur Général Délégué en chargede l’Europe, Amérique & Asie

MOHAMMED AGOUMIDirecteur Général Délégué en chargede l’Europe, Amérique & Asie

PAGE 8/9

ass Mupmd agumi, Aslway Mu gssssMaMmatu amsdiwr ndiwam rmatuatama BMCE Bank g

urubba, mirikan d asya.irba, ikrubrubuuDart i mayd iga tawuri g ayt i id DarDarsggawr ussiÄn amaÄlan r uggausgus

Peat MarwickareatPP (KPMG) g 7 isggwasn, llig iga acrwasisg -maÄ g ussiÄn d umgraw n g usmatsntutin tisdram, ikccm sntuturutarbiot g urut 1987, g yavuld amsdiwr gd 1990, dar asamasay g wadla lbank d idrimn g 1997. Isggzdu altu kigan n tguriwin tis-tratijiyin nvd tin isnfarr n tmqaccut, tinnubÄ, d usluz n tsntutin, d twizi icrmÄn d usmukkn n tadla tamsmajjalt vr trbbao tirasalin lbank n fransa.G usmukkn i wgdz asdram g lmavrib, illa vurs uzmz i wssiwi n kigan n tguriwin ugdz. D vas g uya izrin isggzdu kigan n tguriwin izdin s isnayn d usras g udvar i tayawt irçan g usays n bal II.Zg 2006 ar 2009, iga kigan

n twuriwin yasi timasaying trbiot amrwas akrzann fransa-CASA- ig aslwayamatu amsdiwr n LCL- amrwas lyuni g 2006 d unbdad g trab-but tamsnaccagt g trbiotn CASA., ig altu tawuri g tstratijit d tslwayt ntzmmar. Dg isnm LCL g tyssatamsmakkant i trbiotamrwas akrzan d altu g usnayn tratsiwin usluz isakkamnlbank uçlig d tmquccatimqranin g tguri tamqrann ;G 2008, yavul g ugnsu n trab-but tamsnaccagt n trbiotCASA dart i wsggzdu usmsi amaÄlan.Zg 2010, yavul d anmvur ams-kan i trbiot uruba tayamunt n tsbbabt tarbiot-ECBG- d acrmaÄ g lbank n tvawsiwin,agraw n tstratijit, d ussiwi i PME, igan yan usn-far n trbiot- taganayt- iganwin ugraw usnuccg gr urubad lmavrib. D ntta ayd iganaltu anmvur i tayawt ECBGillan g lmavrib itwassn sFinacing Access lmavrib,yusin yat tmasayt g PME g usays ussdrm ns zg lbank ;Mass Mupmd agumi, yiwidyat tmnaggayt zg Essec(1979) yat DEA g tdmsatamaÄant d ikunumitri(1980).D ucrmaÄ amssiÄn d yiwintamnaggayt zg bariz (1993),issvra i sin isggwasn gEssec, d aslmad wissin gtmsrit n tdmsa.Mass Mupmd agumi, yiwl ,yaru sin icirran.

BMCE BANK

Urubba

AlmanyaBljikaSbanyaFransaï alyanBrïqizTagldit imunn

Asya

CinwaImarat aloarabya imunn

Afriqya

LmavribBininBurkinafassuBurundiKungu brazafilKut d ifwarDjibutiItubyaVanaKinya libyamali MadagaskarNijirUvandaTamsgudut tadimukra-tit kunguSinivalïanzanyaïuguTuns

Tarbiot lbanka tamvrabit ittusggzdun vrs amaÄal

Akam g 30 n tmazirt

Ugar n 1100 n tmqaccut

Ugar n 4 000 000 umltav

Ugar n 12 000 umyawas

Lbanka tamzwart s urççum g bariz g 1972Lbanka tamzwarut illan g afriqya ddaw n tniri s usxitr i lbanka usmsi n mali g 1989anazav amazwaru inmn g lmavrib izmman g udubiz (EUROBOND) g 2013Lbanka tamzwarut isrsin assav GDR g 1996Lbaka tamzwarut illan g kraä idvar isadramn : tigmmi tumlill, lundun, luk-sumburg. vas lbank lmavrib ayd illan g afriqya unqqr d afriqya tanttarfut lbank amzwaru ayd irçmn asggawr ns usnnbgu g bikin g cinwa zg 2000

MIRIKAN WAFLLA

KANADA

PAGE 11/11

Tarbiot lbanka tamaälant

Tarbiot lbanka g tskfal timzwura

Lbanka tis kraÄ zg waflla, s yilan igudaz imrwasn d tçttât n 13,6% d 14,6% yat dart tayÄ.

Lbanka tis snat g usn-nirs s yan yili ugdz iwalan 30%.

Lbanka tis kraä g usnuccg inezzivn s yan yili ugdz iwalan 14%.

Yat trbiot lban-ka tamaÄlant d tiwmsawaÄ amuggu

Yat trbiot m 17 tayawt iddukman.

yat tsmsddusut n 4 ifilan n twuriwin ivudan :

yat lbanka n tsbbabt g lmavrib : lbanka umata 8 imsmajjl d lbanka n tmqaccut.

Tiguriwin lbanka n tmsmajjlin(tiguriwin ugdz, umyawaÄ ugdz, asnuccg inzzivn, apbubÄ wassavn, isma-lan…)

Tiguriwin timaälanin sumata g afriqya s tratsa Bank of Africa dg urubbas BIH, huliding ismun snat n tayawin n urubba BBI PLc d BBI madrid.

Timsamajjalin tis-dramin icwan : arasal, amrwas xf wutci, asdrs d uvamus.

Yat lbanka igan tamasayt g wamun

asnuccg n tivri g brra s usnay Medra-satcom n tmgrawt.

BMCE Bank igulan am 200 n skwila d tinml, 400 uslmad d 13000 unlmad.

Asmsi asunan anaman- assvri winna ur ik-kin skwila, assgmi amsdusan d waddal.

Assikm usid d waman g ivrman, d upïu umr-dul…

Asay n tmasayt g usdrm akutwal s usras g udvar i yan usnay usnuccg n tmi-tar ifzwi d wamun, tamzwarut g usays lbanka.

Lbanka tamzwarut g lmavrib ikcmn g uratsa.

Amaç i tamnagit ISO 14001 g usnuccg ifzwi.

BMCE BANK

tarbiotFinanceCom

37%

30,02%RMA Watanya

6,47%FinanceCom

0,51%SFCM

26,21%BFCM - tarbiot CM-CIC

15,03% Flottant

8,46% Tarbiot CDG

5,14%MAMDA/MCMA

1,50% imswuran n BMCE

2,58% BES VIDA- tarabiot

Banco Espirito santo

4,09%CIMR

Imssamutn idusn

IMURR N BMCE BANKG TINGIRI N DUJAMBIR 2013

FinanceComTarbiot lmavrib tuçligt tanmvurt g lmavrib d g afriqya, illan g kigan isuyas n tguriwin idusn kigan igan, lbanka, tamsn-nirst, imsawaÄn, ticr-maä timaynutin, asnuccg inzzivn, imzwann, assa-ra d tmsmajjalin.

RMA Watanya Anzziv ussavul g ugdz n tmsnnirisin d til-banla usnnirs,igan zg inmvurr n tmqucca n afriqya tanafllat g tyafutin d usnuccg amaynu, g illa yat trat-sa usluz ibirun idus.

BFCM-tarbiot CM-CICAnzziv axatar n lbanka tamsnnirst, tarbiot CIC, huliding d lbanka n tratsa g ipidan n bariz, g llan 5 lbankat tisunanin d tayawin ti-crmaÄ g ku tiwuriwin usdrm d tmsnnrst, g fransa d umaÄal.

CDG Amsnuccg amzwaru asn-tutan g lmavrib, d unz-ziv ussavul g tmurt, s wankt n twuriwin, igan tsdrmt tamatut d usnuccg i tdala ivz-zifn, asdrm i ybrdan, ashuyu d usmsi ugdz asdram.

BES VIDA-tarbiot Banco Espirito Santo Tasntut tissnat tu-çligt g brïqiz s unzziv amatu ds lbanka taxatart n br ïqiz g uyda ugdz.

PAGE 12/13

BM

CE Bank amaÄal

nv

d a

yd

da n

v B

MC

E Bank amaÄal nv

d a

yd

da nv

TIGURIWIN LBANK N TMSMAJJALIN

TIMSMAJJALIN TISDRAMUCRMÄ

TAGURITAMAÄLANT TIGURIWIN

YAÄ

BMCE Capital SA 100% (asnam amuggu)

BMCE Capital Bourse100% (asnam amuggu)

BMCE Capital Gestion100% (asnam amuggu)

BMCE amaÄlan hulding*

100% (asnam amuggu)

Bank of Africa 72,67% (assmsasa)

lbanka usmsi n mali 27,38% (asnam amuggu)

tamsyafut lbanka 25% (asnam amuggu)

aspri

97,30% (asnam amuggu)

Asqimu n tcrmaÄ d usmsi 38,9% (asmsasa)

Eurafric unvmis

41% (asmsasa)

Lmavrib fakturing 100% (asnam amuggu)

Salafin

74,5% (asnam amuggu)

magribay 51% (asnam amuggu)

Euler Hermes Acmar 20% (assmsasa)

RM ICRMAÄN

100% (asnam amuggu)

BMCE BANK SATIGMMI TAYMMAT

lbanka umata d imswuran

lbanka n tmqaccut

tiguriwin ugdz

Tarbiot lbanka mi ggwudinn twuriwin

(*) hulding amakkam n tayayin tawrubin n trbiot, BBI lundun d BBI madrid.

BMCE BANK

Tastratijit n trbiot BMCE Bank

Zg mayd tkccm trbiot BMCE Bank asayas uçlig, s tga tasn-tut tamatut yudrr ad tg lbanka tamaÄlant. Gulan am 12000 umyawas, illan g 30 n tmazirt, itmunn d am 4 umlyun umltav s tratsa mi ggwudin igudaz igan 1100 n tmqaccut. BMCE Bank tga aydda ns s yan wanaw amattas yuçn akw mayd ila g tgldit, igan yan udvar idusn itbirun ad nn tawÄ icalln n afriqya, urubba, asya d mirikan tanafllat.

Yat tsazzalt i tguri lbanka lmavrib

Yat tyafut inmn s usnam ijnniÄnilan iswirr yaÄ

G tirra ns tistratijiyin, BMCE Bank tsnm tadusi ns g twuri usmsi vr illa yimal, tg BMCE Bank yat tstratijit mi ggwudin iwttasn s va tsgwudi taml-tavt PME, s va tsdus advar ns amzrawg usays imswuran itg-gin yat twuri, d altu s tcrmaÄ itwassn g usnfar asdram. Mnid i i tmltavt umata/ imsmajjal d MRE ibÄan iddv twag yat tvarast mi ggwudin iwttasn ittuswizan s usnuccg i tyafut d tmsmajjalin.Mc nbdda xf ufkka n tsbbabt, tarbiot tra s tidt asxitr i tsdust ns tamsmajjalt d tsb-babt, s tdmsa i tsanaft d usggzdu i wmswuri igan tin tsbbabt, d mskwit i i tadla tamsmajjalt s usikm i wmuggu amsmajjal amsdus d yat tsrtit usnuccg irçan.D altu asnmala i lbanka vrs amltav s usnay anaman imunn, g yat tnmasayt tasggawt tuçligt iumunn, snat n tayawin ili/ azddag d tmqucca, lantt yat tdrfit imqurr d tmawast n tnbaï i kigan wanawn usnuccg n tmazirt.

Timvrt itwannayn g tmaÄlant

Alay usdus g trbiot nafriqya

Tamma BMCE Bank g usbiru i wacal tumç g umaÄal , sumata g tratsa Bank Of africa, yumçn vr dvi ugar n smus mraw n tmazirt. Asikkm n tstratijit g afriqya ddaw n tniri d yiwin uluvn iggwu-din d tyafutin zg urççum tga digsntt i tmqucca timaynutin d altu asxitr i yilan igudaz. G uzmz amçyan gan iwttasn n trbiot yat tbirut dg tmizar yaä sumata tanglfunin d talusyufunin g umaÄal.Asdus udvar n trbiot BOA g igudaz tla tizmmar mqqurn itwagn sumata xf usnam wanaw amatu n BMCE Bank d usnam g tsga, d usikm i tmsdusin timsma-jjalin d tsbbabt gr trbbao dg kigan isuyas( imrwasn xf wutci, asmutty idrimn, asnuccg n tsdramt…), d altu asmutty i tcrmaÄ d tussna i wswuri iwdan g idvar d tamasayin ilan addur g trbiot BOA.

Asddukmu i tyufa g urubba

G urubba tsvim trbiot i wsnay n tyssa, s usman i snat n tayawin BMCE Bank amaÄlan madrid d BMCE bank amalan lundun d bariz ddaw n hulding BIH s ucrmÄ, s wasay i tmasayt idvar s twuri d idvar wacal.Tayssa yad tga tazmmart i gr trbiot gr sin isunaf sumata asman i tratsa Bank Of Africa s usggzdu i win tsbbabt n urubba vr afriqya.

Asnmala : vr yan usnay amsnam

Tkcm trbiot yan usnfar isdusan asnay usggzdu irçan d tipÄi ugnsu n trbiot.S usdaddi i wsnfar ad anaman ad bddant tficay tinamurin d ti-maÄlanin, s uzggi usmvr n brra, iprrin amazzal n trbiot tsdus as tguri s usfafa i yrçan g tayawin n trbiot.

RSE, g wul n yat tstra-tijit n trbiot tama-sayt

Tizmmar n wamun n BMCE Bank tzm-mam inzzivn d ikkan tamgrawt n BMCE Bank i tivri d usmsi, mi iga uprruy ul ns vr mskwit i kigan n tinmal g brra, am usnfar Medersat.Com, yat tratsa igulan dvi 174 wammas d tayawt n tivri tamnzut d tin dat as. Ayd ayd yudjan asnuccg i 4% n RBE lbanka d tmgrawt BMCE Bank.Mskwit tadusant n trbiot BMCE Bank i tvarast RSE lbank izdin s tguri d tmsmajjalt ns n tsb-babt d tutra wamun d usnam, d altu timasayin tinamunin n tmqac-cut.

PAGE 14/15

Timitar illan 2013-2014

Asdus i tamut n BMCE Bank g uydda n trbiot n afriqya s uyn s tlla Bank Of Africa zg 65% ar 72,6% g 2013.

Mskwit i tis 16 lbanka g tratsa Bank Of Africa g ïugu g 2013.

Asddi ihrran g 1 Eurobond tamvrabit tamsyafut, izmmam s sdis mraw umssamu abrrani s watig n 300 umlyun udular.

Asddi i yat tmatigt tamÄfart i 1 umlyar udrham g ugdz asunan.

Arççum i yan umsgawr usnnbgu g itubya s BOA yillel azggwav(djibuti) g fbrayr 2014.

Mskwit i BMCE tamaÄlant huliding imun dvi s snat n tayawin BBI n lundun d BBI madrid, g tmsmajjalt n afriqya.

Mskwit i BMCE n urumsmajjal tayawt yakkan i MRE yat tadla mi ggwudin tyufa d tmsmajjalin.

Arççum i yat tmgrawt n BMCE urumsmajjal g bruksil.

Arççum i yat tmgrawt g cangay, wis 2 imsggawr usnnbgu g cinwa.

Arççum i yan usggawr usnnbju g munryal g kanada, s tamut d yan umussu wurtan, yat trbiot tasdramt tamasayt g kanada d wis 5 g munryal.

Tarbiot isdusan tamadla n afriqya...

...tumrt i tyssa tawrubit...

...azgga usfafu ns g umaÄal...

...i wis mi tmmucantt towalin isvaln nsn

BMCE BANK

Ismmgzall n 2013-2014

1 amaç tga tnmvurt n tmgrawt BMCE Bank duktura layla bnjllun i « tmuzunt tamalant wis 2013 » n qaïar tamsgrawt g usays n « tmajgalt tamaÄlant i wsnuccg ussgmi wis 2013 » d « tamuzunt ugdud tayri n wakal » g yunyu 2013 g tiznit.

2 amaç i wassav n « dawfin wurv i wanaw n tivri tamsyafut uzin d utilifizyun awards » i ws-saru amzmmam « tinml n tzdayt », igan tayafut i tmgrawt n dunya usnulfu g ugdud n kan g 2013 xf ugar n 700 usaru umstay.

3 ttusti BMCE Bank d lbanka tamvrabit usggwas n 2013 zg The banker Magazine n trbiot tasdramt izmaz i sfrt tis sa zg 2013.

4 « tarbiot lbanka ivudan g afriqya » tga tsvunt tabri ïanit The European, s tussna i tstratijit usnam n trbiot g afriqya.

5 « tacttuyt n tyafut RSE lmavrib » zg tmqaccut ustay fijyu i sfrt tis 12 usg-gwas xf tzmmar lbanka g « wamun d usnam asunan » d xf « tstratijit ns ifzwi ».

BMCE BANK

AWARDS

PAGE 16/17

2013 : tiyufa tisdram iddukman

Tayafut tazddagt ili

lbank

Tayafuttazddagt

1,2umlyar udrham

+33%

4,8umlyar udrham

+5%

10umlyar udrham

+10%

TANBDUT TAZDDAGT

LBANK

TANBDUT TAZDDAGT

LBANK

UÏÏUNN INAMUNN

UÏÏUNN IMDDUKMA

uftiyiy: t0133

2,2umlyar

udrham

+21%

4umlyar

udrham

+10%

1,1umlyar udrham

+56%

tanbdut tazdagt ussulv

tanbdut tazdagt ussulv

BMCE BANK

Tiyufa n trbiot

Tiguriwin ircon

uïïun imddukma

2012

922

+33%

2013

s umlyun ud

rh

am

2012

9 018

+10%

9 891

2013

s umlyun ud

rh

am

2012

231

+2,5%

237

2013

s umlyar

ud

rh

am

2012

14

+4,5%

15

2013

s umlyar

ud

rh

am

2012

145

+2,9%

149

2013

s umlyar

ud

rh

am

2012

139

+7,8%

149

2013

s umlyar

ud

rh

am

tayafut tazddagt ili n trbiot

tanbdut tazd-dagt tasdramt

iyddatn izddagn ili n trbiot

isuras imrwasn s umlyun udular

tayafut tazddagt ili n trbiot

- Azgga i twuriwn lbanka g lmavrib, d ikkan sumata BMCE Bank SA d tayawin lbank n twuriwin s tamut yulin ar +55% d +52% yat dart tayÄ ;- Alay i tguriwin timÄlanin n trbiot ar 47% sumata tigu-riwin g afriqya ddaw n tniri g tarslt n RNPG g illa ugar n wis kraÄ yili (41%).

Tanbdut tazddagt lbank

Yat Tnbdut tazd-dagt lbank iddukman yiwÄn ar 9891 ulmyun udrham g 2013, mnid i 9018 umlyun udrham g 2012, igan alan n +10% d ikkan kraä isunaf(i) taya-fut n tguriwin ugdz +20%(ii) asanf xf yilan +14,5% d (iii) asanf xf ispatll s +6,4%.

Tayafut tarzdgi ussulv

Amcucd i tyafut tarzdgi ussulv s +10%, igan 3936 umly-un udrham g 2013 mnid i 3581 umlyun udrham g 2012.

Imrwasn d isuras

Agafy i tzizzilt isuras n tmltavt d imrwasn n tmltavt igulan ar 149 umlyar udrham llig ulin s +2,9% ds +7,8%, yat dart tayÄ.

Iyddatn izddagn

Asdus i wzggi idrimn n trbiot s walay d ikkan +4,5% i yddatn izd-dagn ili n trbiot BMCE Bank, tama n 15 umlyar udrham, d altu iyddatn izd-dagn iddukman gan 19,1 umlyar udrham mnid i 18,4 umlyar udrham yan usggwas dat wad , g iga 8% i wmuggu amatu.

Tayafut tazddagt ili n trbiotI wakal

AFRIQYA

URUBBALMAVRIB

41 %

6 %53 %

1 231

PAGE 18/19

uïïunn inamunn

tanbdut tazdagt

lbank+4,8% s

4,8 umlyar udrham

tayafut tarzdagt

ussulv +20,8% s

2,2 umlyar udrham

tayafut tazdagt tanamunt +56% s

1,1 umlyar udrham

2012

1 840

+20,8%

2 223

2013

s umlyun ud

rh

am

2012

713

+56%

2013

s umlyun ud

rh

am

1 109

s umlyun ud

rh

am

tayafut tazd-dagt wamun

2012

4 568

+4,8%

4 809

2013

tanbdut tazd-dagt lbank

tayafut tarzd-dagt ussulv

UÇUTN IMUGGUTN 14,57% 14,78%uïïunn icikitn 13,64% 13,93%uïïunn imazzal 12,34% 14,29%uïïunn xf warratn 18,39% 18,84%isuras inman 14,83% 14,70%assavn incan iswirr 17,82% 15,22%

IMRWASN IMUGUTN 13,59% 13,21%imrwasn umata utci 18,81% 18,07%ivrman 13,95% 13,64%imrwan n tmqucca tisdram 14,52% 14,28%ashyu 9,30% 9,64%astay ivrman 15,74% 14,61%imrwasn i tmqucca tisdram 17,80% 15,56%

ILAN IGUDAZ ISURAS N TMLTAVT

ILAN IGUDAZ IMRWASN N TMLTAVT

2013 2012

2013 2012

TIMVR I YILAN UGDZ IMRWASN

tayafut tazddagt

alay tga tyafut tazd-dagt wamun zg +56% yiwÄn 1109 umlyun udrham g 2013 mnid i 713 umlyun udrham g 2012, s TCAM igan +43% xf kraÄ isggwasn inggura.

Tanbdut tazddagt lbank

Alay tga Tnbdut tazd-dagt lbank s +4,8%, igulan 4809 umlyun udrham, d ikkan taÄu-ri i watig i tzdar ittuzmman g 2013(344 umlyun udrham mnid i 450 umlyun udrham g 2012 igan tamatart i BMCE madrid). Alay n Tnbdut tazddagt lbank igan tin tguri yad tnmala +7,8%.

Tayafut tarzddagt ussulv

Arcco i tyafut tar-zddagt ussulv tana-munt ikkan xf +20,8%, s yiwÄ 2223 umlyun udrham g 2013 mnid i 1840 umlyun udrham g 2012.

Imrwasn d isuras

Atamma n tamut lbank g usdrim n tdmsa tamvrabit, am uyn il-lan s uggafy imrwasn imuggutn s +5,2% igan 98,4 umlyar udrham s usburz yilan ugdz n +38 tmqit taraslt mnid i 2012s 13,21% vr 13,59%.Aggafy i waçu n lbank igan +2% s 109 umlyar udrham s yili ugdz n 14,6%.

BMCE BANK

Asnuccg irçan d tficay iyddatn izddagn

Asdus i wowal us-nuccg irçan

G usggwas n 2013, tga lbanka tiguriwin ns usxitr d usdus i wowal usnuccg irçan d tficay g ugnsu i tguriwin ad d usnuccg i yrçan d altu xf ussmsasa usdram azrfan.D altu xf tguriwin izdin sumata d ushyu i towalin ugnsu, d tipÄi i wsfafa yrçan usnulfu imassn ugnsu d win izrfan , allig tbdda xf kigan mayd ilan ad ittushyu tuc timazanin s va yasi lbank vr dat.allig yiwä ad ibdda xf wssmsasa usnulfu d uswngm vrs amata g us-nuccg imrwasn nsn wutci d uzgga usnay usggzdu n tnbaÄ d uspitl i towalin ugnsu g yits n tayawin n trbiot.Imci, as itwag altu mas ila ad ittuswawi i wsnay asggaw, dis ayd twag tmssumant s ila ad ttuzgantt tsntutin va issiwÄn iwttasn i ydvarr nsn s iss as va yass usnuccg irçan imrwasn g tsggiwin s uyn s llan.Taguri 2013, tga yat tmatart s ussnti i yits n tsntutin timaynutn, zigsnt tarabbut uÄfur i i tzmmar timqranin, dart i wsdus uowal usfafa imrwasn imqrann.G ussmsasa d ushyu itwagn i ysdditn inmalan

n trbiot, twagn kigan n twuriwin va yawin vrs iwttasn s va ttusfÄn irçan imrwasn d win tgu-riwin g yits n tayawin g afriqya d tin lbank.Asfsi i tmazanin vr twawÄn izrfan n trbiot sumata wis izdin s usnay amassan i twuri irçan, assmsasa i wsnuccg irçan umrwas d usras i wawal asn yakkan mas tbdadn xf uzggi amaÄlan n trbiot, yan uowal usnuccg irçan g tmizar illa yad.

Tizmmar idusn i wfrruy irçan

Atig irçan izddagn iddukman iwÄn vr +17% s 1,3 umlyar udrham g 2013. Isnan i wshyu n BMCE Bank i wuïïunn inamun- iwÄn vr +45% s 742 umlyun udrham. Ayad ag sikmn yat tva-rast inmn zg 2011, iran ad ifru irçan ur itwassn g yits isuyas n tdmsa tamvrabit, d itkkin tamnÄawt i wraoa yimal g irçan ad imuggutn igan 503 umlun udrham, is-siwÄn azizzl n PRG amatu vr 976 umlyun udrham arzddig.Amur uzmmar igula awd ntta vr 5,22% g yan uswir yulin zg 5,13% vr 6,31% azddag iraoatn , d umur usnam iga 1,93% g 2013 mnid i 1,32 g usggwas zwar d 2,45% i wsays.

Tarslt tasdramt iddukman

Tarslt tasdramt n trbiot tdus s +4,5% i yddatn izddagn ili n trbiot BMCE Bank, dart i 15 umlyar udrham, d altu iyddatn izd-dagn iddukman gulan vr 19,1umlyar udrham mnid i 18,4 umlyar udrham g yan usggwas zwar, igan 8% i wmuggu amatu.Anzziv n tsazzalt- ta-guri lmavrib- yuli zg 12,20% g 2012 vr 12,31% g 2013, d ikkan tamatigt iplan s 1 umlyar udrham g tizwiri n tguri. Anzziv wis kraä 1 yiwä vrs aswir amaflla s tzmmar drusnin igan zg 9% ar 9,27% g 2013 mnid i 9,64% g 2012.

PAGE 20/21

G 2013, iga wassav n BMCE Bank 27,8% s 204,50 udrham s yuli altu unzzv ns usays g tskflt iwtlan

iwtwan g usggwas s 3,4% d unzziv n mazi igan 2,62%.

TIGURIWIN TIMAYNUTIN XF UYDDA USANF I WSSIWY N TSTRATIJIT USMSI N TRBIOTWSSIWY N TSTR

F UYDDA USANF ISMSI N TRBIOT

Aggafy uydda s 1,5umlyar udrham, igan win imssamutn ussavul n trbiot

BMCE Bank.

aggafy uydda s 2,5% umlyar udrham, igan win trbiot CM CIC.assinm i trbiot CDG s 8% i wydda n BMCE Bank.azgn amzwaru i wggafy uydda igan win imswuran n trbiot BBMCE Bank s 500 umlyun udrham.

nini

n nnn

2010 2012

135130125120

115110105100

959085

31/01/13 28/02/13 31/03/13

MASI

BMCE BANK

anzziv lbank

30/04/13 31/05/13 30/06/13 31/07/13 31/08/13 30/09/13 31/10/13 30/11/13 31/12/13

ANAWN N TVUNI 204,5 UDRHAM 160 UDRHAM

ASYDDA N BURSA VR TVUNI 367 UMLYAR UDRHAM 287,1 UMLYAR UDRHAM

AJGGAL N UZMZ 207,9 UDRHAM 216,9 UDRHAM

ASDRAS UZMZ 137 UDRHAM 155,1 UDRHAM

ANAWN INAMMASN INMN 191,8 UDRHAM 189,3 UDRHAM

TAYAFUT N TGURI +28% -25%

AZLA 29,82 31,10

TARARIT ISNAMN 1,96% 2,06%

INZZIVN IRASALL N BURSA 2013 2012

Agay i wassav n BMCE BankTiyufa ivudan g bursa watign lbank 2013

204,5udrham

+28%ar 31/12/2013

BMCE Bank g lmavrib

BBM

CCE

BBankammmaÄÄallnvv

dddaa

yyyddd

da

nvB

M

CE

Bank amaÄalnv

da

yd

daaa

nv

BMCE BANK

BMCE Bank g lmavribLbank umata d imswuran

Yat tstratijit n tsbbabt g tmasmajjalt umltav

Agdz umata Isuras imaynutn i yor-rimn d tourma inzzivn

G yan uwttas usburz igudaz iorrimn inzzivn d iorrimn inlmadn, snat n tadlwin n tsb-babt twagn g usggwas 2013 : tadla iorrimn inzzivn d tadla iorrimn udvar wutci.Amzwaru iga yan umrwas ivrm d umrwas xf wutci s yits n tddadin iplan. Tadla iorrimn idvar wutci tla yits watign inmn, s tici i mayd iplan digs s usikkm n takarÄa lbank.Ig umrwas n BMCE Bank tavawsa n tvuri dat as va irarn xf isqsitn d mayd ira ugdud, s va stamman iorrimn inlmadn tivri nsn tamafllat.

Asizzl ugdz imfrayn d imswuran

Dart i wsikkm imfrayn d imswuran vr llan tvrad idrusn akmn g tzddayt, irçm BMCE Bank tadla pisab kami ligan yat tutra tamuggut i willi t iran g usays umata d uçlig d wis mi ysdus ufrruy ddaw nvd yiwä 3000 udrham.

Yan lbankagidun itmunn

1 tiguriwin illan i wsmsi d tumrt n tmltavt imfrayn

2 assufv wammas n tzd-dayt umltav

3 amaç i tmnigit n tgu-ri umrwas i wmata, lbanka tamsnnirst d tsdramt.

5 ugar n 102000 unzziv amaynu iftin g 2013.

6 asmsi i ysrasn n tmltavt d tourma d win inzzivn.

PAGE 24/25

Asgir uswuri n midiïil kac

Imcis, dg usays usdus s midiïil kac, trçm BMCE Bank g nayr 2013, yat tmsmajjalt tamaynut itgin kigan n tguriwin lbank s uïïun dat ufrruy s takaÄ sim ïilikum, igan « midiïil kac ¼. iga yat tmsmajjalt lbank d umsawaä yurzzun ad isikkm imzdav ur ikccimn vr lbank, imltavn midiïilkum s yan wuïun umiy issufuvn s takarä sim. tims-majjalin dvi lla tgin tawuri xf tratsa.

Agdz imswuran Asmvr usras

G usays usizzl ugdz imswu-ran, iga usggwas n 2013 win txitrt isuras n tnbdut BMCE PROBAIL d altu astamma ns g usays ushyu i wanawn ustay inmn d tsggawt.

D altu tiwuriwin usnfar taa-hil almuqawal, ncan g urççm s twizi lmavrib lalman GIZ. Tayssa n twizi d GIZ tra ad tsvim i yan warra amatu imunn i ku lbank pma ad awin s tvarast TPE.

D altu , asras iburuzn daman amdraf, isburuzn imrwasn n twuri d usnuccg ur izrin 1 umlyun udrham, mqqurntt s daman amadraf vurm i yfrruyn imrwasn usnuccg itmmucan i tsdnan timsquccatin( s wankt n 80%), i mskwit n tmqucca.

BMCE BANK

Agdz n tmltavt uçligYat tusrast n tnbdutTamsmajjalt idjiwn

Dart i wsxitr d usnam i wsras n tmltavt tuçligt, yat takarÄ tamaynut tanamt biza tar iwtta twag pma ad svudan tamsmajjalt xf ussiÄn amqran n tassast.

G ugdz amaÄlan, tlla yat takarä vr illa yan wuïïun s udubiz s tamut d mirikan andraf, irçm pma ad irar xf tutrawin n tmltavt tamaÄlant iran adubiz.

Altu ira ad ismsi takarÄ tis snatn taywann asanm amaÄlan, s ittufrru g umaÄal, illan g yan wuïïun s udubiz illan g BMCE Bank, lbank ufcur.

G idj uzmz, mskwit Änin i tnb-dut n tguri n tmltavt tuçligt , tavarast iplan, trçm awd nttat i tguri tadusant igan tin usmutty i towalin n tfkkag lmavrib d brra d altu i wis immutn, tamasayt n tcrmaÄ n tmprayin mc twakrn tt, mc nfarayn tt nvd bddan tt. Vr tingiri yat tvarast tamaynut trçm tga tin « tadusi tamÄlant », tiwÄ advad ns, va yttasin irçan wuÄun g umaäal yiwÄn ar 100% g irçan wuÄun.

Agdz inmudda Timvr isuras MRE g yan usays abaraw

G yan usays admsan amaÄlan ic-qqan, isuras n tmltavt inmudda n BMCE Bank llan xf idis s 3,7% igan 13,9 umlyar udrham mnid i wsggwas izrin.

En effet, l’exercice 2013 a été marqué par la hausse de la collecte des dépôts MRE de 3,7% à DH 13,9 milliards par rapport à l’année précédente.

Yat tsrtit n tsbbabt inmn

S umyaway d tratsa lma-vrib d brra ns, g tiggi i tyufa vudanin ugdz MRE, kigan n tguriwin ag twagn gan tt tin tmqucca sumata : (i) asras i kigan n tguriwin n tsbbabt d umsraf,(ii) arççum i yat tnb-dat tamaynut g bruksil,(iii)arçum n BMCE n urubba tamsma-jjalt g sbanya, ïalyan, bljika d fransa , d altu (iv) arççum i yat twala usnmala d tguriwin usnim tama n tnbdut usmutty i BMCE urumsmajjal.

BMCE Bank awd nttat tamu g ifssar d inmuggar itwaggan i ynmudda am :(i) usfsar n uzdduv lmavrib g abu Äabi(ii) win lma-vrib altu g bariz(SMAP immo) d SMAP g bruksil.

Ifssar ad ag akkan udm uplan lbank is tnmala MRE, trçm uïïun imaynutn dinna n BMCE Bank urumsmajjal d altu tamut g tnbdut MRE.

D altu g usays usmvr i tzd-dayin d tayssatin lbank, BMCE Bank tga ict tmssumant taxa-tart allig allig tga tayssa gr CM/CIC xf kraä n tvawsiwin igan :

(i)arççum ivran n tmqucca CM-CIC, (ii)azznz , d (iii) assmsasa i tguriwin ufrruy n BMCE urmsmajjal.

BMCE Bank g lmavribLbank umata d imswuran

PAGE 26/27

tasdramtBMCE axatar g ugdz antirnit

Izgga BMCE Bank ansa ns g tguri tasdramt, s umur n twuri n takaräatin tisdram daw watig ugdz s walay n 26% mnid i 24,6% tingiri n 2012.

S uzmmam axatar g tguri n tsbbabt itwassnn g lmavrib, tgula ar +33,2%, imqqur zg talli ugdz igan 28,1%.

G tsga n tguri tamaälant, BMCE Bank, tzgga advar ns g uswir amzwaru g ugdz. Ankt ufrruy amaälan yiwÄn snat n tikkal ugar udrim, ayad takka takaÄa-tin itwagn i tvawsa yad i wfrruy n antirnit tamaälant. G umaÄal tiguriwin unzzuv d wasay zg BMCE iwÄn ar 20%, amqran g tguri n tmazirt, d yili ugdz n BMCE Bank yiwÄ vr 23,78%.

Amaç inmn i tguri

Taguri lbank amsnnirs , izm-mam alay ns vr +10% zg wankt izddayn illan, d ikkan ugar zg tnbda « Dommages » s twuri i tnbdut SECURICARD.

Zg tsga yaä, dart i wsnam usras n tnbdut lbank usnnirs irar xf tutrawin n tmltavt, BMCE Bank, tga kigan n twu-riwin am (i) assavul n twuri i tnbdut tamsfafayt s kraï n tvarasin,(ii) asmvr i tsbdad n BMCE tipÄit yakkan yits iswirr usburz imqqur, (iii) ankt iburuzn itmmucan g tvawsa yad gan tt tin imrwasn ibddan, (iv) arççum i tgu-riwin itksn irçan xf usnuccg idrimn, s usmun idrimn g uzmz imqqur.

BMCE BANK

BMCE Bank g lmavribLbank n tmqaccut

Tiyufa ntsbbabt yulin

1 alay s 9% i ymrwasn d isuras n lbank n tmqac-cut.

2 asdus i szzalt d tmsmajjalin tisdram ticrmaÄ.

3 arçum i tnbdut tamzwarut tazizwat igan tin PME/PMI

5 asdus i wnmala d tmqucca n tmltavt s usqqimu PME.

Imrwasn lbank n tmqaccut gulan 64,1 umlyar udrham g tingiri n 2013, llig ulin s +8,9% i wsg-gwas n 2012.

Vr tingiri n dujambir 2013, d usizzl asggwsan, isuras lbank n tmqaccut ttuzmman disn tyufa n +9% allig gulan 24,5 umlyar udrham, s zrin altu asyas lbank igan +1,5% s wamaç iddukman i ysrasn n kutwal yiwÄn ar (19%) d israsn izm-zann s (2,4%).

Amcucd I nddidn n tsbbabt n brra

Inddidn n tsbbabt n brra iwÄn ankt n 94,4 umlyar udrham g tin-giri n 2013, igan alay n +3,24% i tingiri n 2012,imqqur zg talli ittuzmman g tmurt igan -2%.

AsddamIsizzil N Trbiot

G tingiri n 2013, ibddadn idrimn iwän vr 1.028 umlyun ud-rham, llig ulin s +36,8% mnid i 2012 igan 580 umlyun udrham issan g tratsa n tmqaccut s 448 umlyun udrham i tmqaccut taxatart.

D altu, tga tnbdut tamgzazalt yan walay imqqur s +101% llig tiwÄ 3,2 umlyar udrham g tin-giri n 2013, isgulan vr tyafut n +196% i tnbdut n tratsa wam-masin n twuriwin ;

Asdal asbabbanIsnfarr imzggazn

G tsga tanamunt d ifzwi, tayawt tasdramt iskwan tamu d talli usmsi akuyass d RSE g twuri n tndha N tmnaggayt ISO 9001 i twuri usnfar asdram s umya izggan d usmaynu n tmnag-gayt ISO 14001. Tamu g kigan isnfarr n tnbdut EnergiCo igan win tsdramt tamsdust n PME/PMI.

PAGE 28/29

AsdusI tzddayin n tayssa

Iga usggwas 2013 yat tmatart usddukm d usmsi i tzddayin n tyssa d kigan n tmgrawin n brra d inbdadn n tdmsa tana-murt. D altu tumç BMCE Bank advar ns d wis sin mnid i tsk-flt tamuggut n CCG s 378 warra d watig n 728 umlyun udrhan g tingiri n 2013 mnid i 218 warra s watig n 348 umlyun udrham g tingiri n 2012.

G 2013, tamma BMCE Bank g tgu-riwin ns n tsbbabt g snat n sfrat llig twagn inbda n imtyaz i tmltavt it iran. D dvi xf warratn tsnuccug BMCE Bank zrin 13 digsn igan yili ugdz n 16,45%.

Anam imalanAsnuccg asdram

G usays n tguriwin n tmquccai wsizzl n idrimn, itwag yan uvaras ittawin vrs asmsi iyddatn n tsbbabt n tmqaccut, sumata PME/PMI, tzdig ili ugdz g usays ad.

Avaras ad n tguriwin illa xf (i) tamasayt n tratsa g usnuccg n tsbbabt i wsmsi d tumrt n tmltavt illan d uzmmam i ymltavn imaynutn,(ii) tamasayt i tratsa n usnam d uÄfur warratn imrwasn, sumata asnay d ustay isnfarr mi va tmmucn idrimn d (iii) asmsi usnfar imtyaz d usmvr n tyssa d CCG.

Amyaway amsdus n tmquc-ca s usqqimi PME

g ubrid nna tga s tstrati-jit ns tsnmalayt, d umyaway d tumrt i PME, trçm BMCE Bank g 2012, asqqimu n PME, igan yan wammas n usmutty asmnagay zg tsdawit passan wissin itwagg s umya i tmltavt ns n tmqaccut.

Zg mskwit ns, ar ittg us-qqimu PME yan usmutty i 5 n tzugiwin s simraw umltav i tzugi s trbiot g zrin 4 gr tgmmi tumlilt d fas.

BMCE BANK

BMCE Bank g lmavribLbank n twuriwin

Anzziv war awda g ugdzasdram

BMCE aydda amataryat tazla n tsbbabt itwa-fan

S usdus n tmssumant g tvarast usmaynu i wsnayns, BMCE aydda amatar, iga g tguri yad kigan n tzmmar wankt d wanaw, yiwin xf tguriwin ns akw.

Altu, BMCE aydda asnawan, izggan astamma ns, acramaÄ d usnam i yskkinn n tubda umur, mnid i talli n tguriwin, tsmsi yat towalt tamaynut tacrmaâtt inmmn i bursa tamvrabit, tbdda xf yat tyssa ismunn tinvmisin.

Zg tayÄ, asfif i tsbbabt, igan tizmmar ns i tsbbabt n tnbda iskkin imzwura, tavarast n tguri tumç tanila ns s udubiz i tmltavt tamyafut d altu asissn d usggzdu i tmltavt issalayn ankt n tratsa n BMCE Bank g kigan isfsarr s uxam n BMCE Bank g kigan n tsggiwin g lmavrib, ig kigan ikabarr g tsggiwin pma ad isdus zg tvarast n tsggawt imyafa d imltavn n tsggiwin ad.

BMCE aydda n bursaandad i wssavul n tumrt

S tamart g tingiri s s tgula tzugi ns g kraä isggwasn ayd, aylli ur djin tin ikkin, iga ugdz n bursa tizmmar g 2013, ad ig war dar as i yjlan ns, isskw ayd xf assuf nnar ittg i warratn xf waddad ns ku kraä iyurr n 2013, dinna ayd yavul ad isvim i tumrt vs ili usnuccg ns g uzdduv ns, allig izgga tawuri yad g lma-vrib vr MSCI awttu amatar d ukccum amsnam vr bursa n JLEC.

G yan usays ugdz n bursa imgall, Iwca BMCE aydda n bursa yat tma-tart s tafssi s izmmam mayd igan tisuyas n tsnbaä ns g 11,9 umlyar udrham g izgga ili ns ugdz g 11,24%.

PAGE 30/31

BMCE aydda usnuccgYan usggwas mi vudann tms-mijjal

G yan ifzwi idusn g yat tiklt d tayÄ g ulin isnuccugn ns i tsazzalt Tamuggut i wsmukkn usnuccg inzzivn, d tÄuri n tsaz-zalt OPCVM, tavul altu BMCE aydda usnuccg tssmvr vr yili ugdz ns s 1,2 n tmqit igan 15,2%. Tayafut ad tkkad alay n 11% n tsazzalt ns tamuggut ddaw usnuccg s 37,3 umlyar udrham.Asggwas n 2013 iga asggwas s ttusnucgn kigan isnfarr usmsi astratiji sumata assufv uowal usnuccg, yakka OPCVM « FCP aydda asdram », s uzmmam g tskflt tamaälant zg tmqaccut takutwalt d burz, igan tamzwarut g ugdz amvrabi i wsnuccg inzzivn, assufv usfif usnuccg amsggwudi uccrmÄ igan win tstratijit

usizzl idrimn g kigan isuyas sumata g umaäal.

BMCE aydda usnuccg tu-çligt Tiyufa timatarin

S tamut g tstratijit n tsb-babt, ittusgzdun sumata g tvaw-sa usmsi i wdvar ns g ugdz ds tguriwin timsdas nna tga, sumata asnuccg ddaw n tvrad, tga BMCE aydda usnuccg tuçligt yat tms-sumant tamqrant pma ad tsggwudi zg imltav g tguri n 2013.Awttas vr tiwÄ BMCE aydda usnuccg tuçligt g 2013, tudjat ad tg yat tsrtit n tsbbabt tanamnt tamsnayt pma ad tssili zg inz-zivn usnuccg ns, lli s tgula vrs idvar planin g kigan isunaf .Mnid uyad, iga ibddi d uraoa vrs addad n tsdrimt n tml-tavt yat tvawsa s tssn lbanka

tutrawin umltav, tsnmtn ad munn d tnbda d tmsmajjalin n BMCE aydda usnuccg tuzligt g tguri ns.

BMCE aydda amsdiwrAnzwi admsan abaraw

Anbdad amssavull war tili g ugdz umsdiwr,Iga usggwas n 2013 yat tmatart i yam simraw n tguri g usays ugdz d tguriwin n tyufa tisdram isull drusn tt.Tayawt umsdiwr n trbiot BMCE, ittusggzdun vrs aswir asumar i tmsdusin , d altu i tmyafut lbank d tavttayt lbank, dart i wankt d usnam i taymutin tassu-luvin n tguriwin

BMCE aydda wassavG tsirit ugdz

G yan usays immzdayn, g tga yat tmzwarut tazmzant , talli iär s snat n takfal g ugdz yussn tizmmar ns g wankt wufuvn, inz-zivn ipbabaÄn n tayawt kustudy n BMCE aydda, ulin s 4% allig gulan MAD 171 umlyar g tigiri n 2013 mnid i MAD 165 umlyar g yan usggwas izwirr, yuçn advar ns g ugdz n BMCE uydda wassav igulan 29%.Taguri usbdad OPCVM n BMCE aydda wassav, tumç g 2013 avaras yaä, s inzzivn isuras izrin 71 umlyar udrham g tingiri n dujambir 2013, igan amur asgwsan n 6%.

BMCE BANK

BMCE Bank g lmavribTimsmajjalin tisdram ticrmaÄ

Aggafy amatar

SalafinImrwasn wutci

S yili virs illan g ugdz salafin as tsggafy zg tnbdut tarzddigt tamuggut (-1% ar 1.190 umlyun udrham) g yan ugdz irssan(+0,05%- tavbalut APSF).G yan usays s yaul mmnzit n tm-prayin timaynutin vr dart(-8%, AIVAM), d tÄuri gan tmprayin ittusdrmn s umrwas(-12%, APSF), tär tnbdut tsdramt i tumubilat salafin s 13% mnid i 2012.

D tsga yaÄ, tavul salafin tsmvr tawuri ns « imrwasn uçlign » g tnbdut ussufv igga-fin s 14%, g yan ugdz irssan (-0,7%, APSF). D tyafut ns tazd-dagt tuli s +3,2% igan 95% s yan ROE n 15,5%Asggwas n 2013, itwassn s urççum amqran g lmavrib i snat n takarätin i wfrruy ugnsu, g lmavrib d brra ns, : wibsalaf, takarÄ umrwas s trarit idrimn izrin, d aysy cub, takarÄa dat ufrruy.

MagribaylUssvrm

Asays ussvrm iga g 2013 yat tnbdut tamuggut n 12,8 umlyar udrham brra n tmatigt, s iÄr vr 5% zg usggwas lli izrin, d ikkan asnam itwaggn i ymrwasn ufrruy ivrman d win ivrman yat dart tayä 7% d 3%.

G uyad, issmvr mavribayl ili ns g ugdz s 20,5% igan 21,5% dvi, d altu advar ns wiss kraÄ s igula yat tyafut tazddagt n +24% s 67 umlyun udrham.

PAGE 32/33

asizzl azddag inmn g tingiri n dujambir 2013, izmmam alay n 5,6% mnid i tingiri n dujam-bir 2012 s 1% i wsays, igan 8,8 umlyar udrham s ussiän n tmatigt.

Mavribayl yiwÄ g tguri ns 4ù d tyafut ns tazddagt lbank n +27,8% mnid i wsggwas n 2012.

Lmavrib fakturingAsmatig

Itwassn usggwas n 2013 s yan walay idusn g tguri usmatig llig tuli tyfut tazddagt i lmavrib fakturing s 18 umlyun udrham g 2013, igan kraÄ yilan xf walli n 2012.

RM acrmaÄAfrruy

Iga usggwas n 2013, walli g tuli tguri ufrruy g tms-majjalin d izrfan, tamman g walay allig sgulan tivawsiwin izdin s ufrruy vr yan udvar amaflla.

S luhanit usnay amsmajjal il-lan, as vudan tt tyufa usggwas n 2013, s wankt d wanaw.

Ifrruyn s iyddatn g 31 dujambir 2013 ayd yulin ar 425 umlyun udrham, s umuggu azmzan usggzdu igan 141 umlyun udrham, iwcan altu aggafy s +32% mnid i tingiri n 2012.

D tayä, ila addur ad ittuzm-man tt tzmmar i wfrruy itwaggn mag la usggwas n 2013, llig xitrn tt allig ssiwÄn tt amur ussavul idrimn vrs aswir ns iwata.

BMCE Bank g afriqya

BBM

CCE

BBankammmaÄÄallnvv

dddaa

yyyddd

da

nvB

M

CE

Bank amaÄalnv

da

yd

daaa

nv

BMCE BANK

BMCE Bank g afriqya

25 usggwas n tvudu

AFRIQYA TANAFLLAT

AFRIQYA WALMMAS

KUNGUBRAZABIL takungulit lbank (2004),19 n tayawin

TAMSGDUT TADIMUQRAÏIT N KUNGUBOA-RDC (2010) 8 n tayawt

AFRIQYA TANÏÏARFUT

MADAGASKAR BOA-Madagaskar (1999)78 n tayawt

AFRIQYA UVLLUY

BURUNDI lbank umrwas n bujumbura (2008) 21 n tayawt

DJIBUTI BOA-illel azgwav (2010),4 n tayawt

ITUBYA asggawr usnnbgu (2014)

KINYA BOA-Kinya (2004) 28 n tayawt

UVANDA BOA-Uvanda (2006) 32 n tayawt

ÏANYA BOA-Ïanya (2007) 19 tayawt

LMAVRIB BMCE Bank SA (1959) ugar n 630 n tayawt

TUNS Axis capital (2006) tayawt g tlla ar 51% n BMCE Capital

LYBIA asggawr usnn-bgu n BMCE Bank(2014)

AFRIQYA UVLLUY

BININ BOA-Binin (1990),43 n tayawt, BHB(2004) snat n tayawin.

BURKINAFASSU BOA-bur-kinafassu (1997)28 n tayawt

KUÏDIBWAR BOA-kuïdi-bwar (1996) 24 n tayawt

MALI lbank usmsi n mali (1968) 40 n tayawt ; BOA- Mali(1983) 43 n tayawt.

NIJIR BOA-nijir (1994) 20 n tayawt

SINIVAL BOA-sinival (2001) 28 n tayawt

ÏUGU BOA-ïugu (2013)3 n tayawin

VANA BOA-vana (2011)20 n tayawin

PAGE 36/37

2006 Arççum i wmdal uydda g tuns, tamqaccut tacrmaï g usnuccg inzzivn, asman n brsa d umsdiwr.

2007 Amaç i 35% zg Bank Of Africa, yat trbiot lbank n afriqya illan g 16 n tmazirt akw s uyn s tlla, tpÄu BMCE Bank dvi ugar n 72% zg tr-biot ad lbank.

1989 BMCE Bank iga amazwaru lbank amvrabi illan g afriqya. Tarbiot iggzdu vrs agdz n afriqya zg tin-giri isggwasn n tammraw, g usays n yat tguri i tmitar ifka lbank usm-si n mali igan amzwaru g tmazirt.

2003 Yusi BMCE Bank, g 2003, yat tamut n 25% g tayfut n lbank, isnin isrsit g udvar uxatar g usnuccg n tvawsiwin g usays ad.

BMCE BANK

Ili n afriqya ddaw n tniri g inzzivn n trbiot BMCE BANK

TAYAFUT TAZD-DAGT LBANK

42 %

IMRWASN N TMLTAVT

21 %

AMUGGU AMATU24 %

ISURAS N TMLTAVT

29 %

TASDRAMT WAMU33 %

RNPG41 %

20 BMCE Bank iga tarbiot lbank amvrabi illan g afriqya ikcmn g 20 n tmazirt.

5000 ugar n 5000 umssamu

2,5 BMCE Bank lla ysnuccug idrimn ns igan ugar 2,5 umlyar udrham g uydda n Bank Of africa, tayawt tarasalt n trbiot g afriqya, zg ukc-cum ns g 2007.

2 BMCE Bank lla ytgga tawuri ns i 2 umlyun umltav ;

Afriqya s iynunn

PAGE 38/39

Bank Of Africa

1991-1998ASANAM

Asskwu i yat lbank tafqiqit, idrfn zg trbbao timqranin ti-maälanin d talli iskwan xf iyddatn uçlign n afriqya d wiyaä iggwu-din.

Dart i mskwit n Bank Of Africa- MALI(BOA-MALI) g 1982, yat tmqaccut hul-ding twag g 1988, AFRICAN FINANCIAL HOLDING(AFH), yavu fir uyn ad tg tar-biot SA.

Tad ayd igan tamzwarut i Bank Of Africa- binin(BOA-BININ) g 1989 d umssamu ns amssavul. BOA- binin ayd igan dvi amqran g tmazirt ns.

Asmsi d usddukma i wanaw n « Bank Of Africa », iskwin xf usmsasa n yat tmssamut iggwu-din d yat tstratijit tar ultmas. Dg yan uzmz asanam g wamun admsan d usdram g uvlluy n afriqya(UEMOA), yusin d tirsal n mskwit anaw d usnay n tmgrawt ad.

Talalit n kraï timay-nutin Bank Of Africa i nijir g 1994, kuïdibwar g 1996 d bukinafassu g 1998.

Mskwit i tsnayin tinammasin n trbiot llan yad lla tgan tawuri nsntt usnay d tipÄi.

Azrruy vrs amuggu n lbankat d usnay ivudan i trbiot ;

Alay n tguriwin lbank n tsbbabt azddag vr tayÄ umazan lbank, i wsnuccg inzzivn d tmsn-nirst, pma ad ittusekw yan umqqun asdram amvudu, iviyn ad if kyat tadla iplan i tnbdut d tmsmaj-jalin tisdram ;

Anzzuv vr tiyaä tmi-zar n afriqya daw n tniri, igan tanglufunit.

Aommr i 7 n tmaynutin Bank Of Africa i madagas-kar g 1999, sinigal g 2001, kinya 2004, uvanda g 2006, ïanzanya g 2007,bu-rundi g 2008, tamsgdut tadimuqraïit n kungu d djibuti g 2010, bla mava nttu arççum i yat tmqac-cut usnuccg i trbiot ad, i yat tmqaccut tas-dramt g fransa, iymzdav n dyasbura, d yat lbanka tamcrmaï i wssdrm uzdduv, binin, d altu tamut g yat tmsnnirst.

G fbrayr 2011 : akccum vr lbank n vana amal bank, yavul iga BOA-vana.

Ktubr 2013 : amaç n tssamut g ïugu d uncag i twuri g BOA- ïugu.

G nayr 2014, arççum i yan usggawr usnnbgu g adis ababa, itubya iga Bank Of Africa- illel azg-gwav.

G mars 2014, arççum n BOA Capital, lbank us-nuccg iqariÄn n trbiot s tzmmar n BMCE Capital, lbank n tguriwin n BMCE Bank.

1999-2010ASMUGGU

1982-1990ASSUFV

ISMSITN IMAYNUTN

BMCE BANK

Asnassav

Amzruy n trbiot Bank Of Africa, inca g mali, g 1982, s mskwit i tmzwarut n Bank Of Africa, bla akccum n kra yaä ; 30 usggwas fir uyn tavul trbiot BOA iga tarbiot tamqrant g afriqya, illan g 16 n tmazirt zg 2010, tarbiot Bank Of Africa yumç digs BMCE Bank mayd iggwudin, wis kraÄ uzlig g lmavrib. BMCE Bank yuss tastratijit d twuri ns i tin trbiot BOA, d ukccum zigs virs vrs igudaz imaÄlan illan zg 1082 g mali.

Bank Of Africa

16 n tmazirtg afriqya

4 539 wnkt lbank

408n tayawt

1,8 umlyunumltav

IMSSAMUTN

-

BMCE BANK 72,61%

BIO 2,35%

WIYAÄ 16,18%

PROPARCO 3,84%

FMO : 5,02%

PAGE 40/41

G tguri 2013, tamma trbiot BOA asmsi iyddatn ns n tsb-babt s urççum i 38 n tayawt g 2013 , ikcmn g tratsa n tayawin lbank igan 408 n tayawt. Isxitr lbank mag illa g tmizar ad, dart i mskwit i tis 16 lbank n ïugu d urççum g adis ababa g itubya i wsggawr usnnbgu n tayawt ns g djibuti, Bank Of africa- illel azggwav.

Zg tayä änin , dg tesga n tyufa tsdram, ila Bank Of Africa tiyufa nsg tguri n 2013. Tanb-dut tazddagt lbank iddukman tuli s +10% tanila n 321 ME d RBE yuli vrs aflla s 10% g iga 130ME.

Tayafut tazddagt ili ntr-biot igula ar 31 ME, llig yuli s +7%.

Tzgga trbiot tsazzalt ns n tsbbabt, am uylli d tiwi talayt imrwasn n tml-tavt s 13,4% gr 2012 d 2013 s 2,5MrdsE, aggafy isuras s +7,2% igan 3,5 MRDSE d urççum i wgar n 350 000 wuïïun g 2013 llig igula 1,8 umlyun umltav.Asggwas n 2013 iga tamatart i wstamma usnuccg n tsbbabt wanaw g tayawin n trbiot BOA llig ibdda xf tirsal lli t issawÄn vr mag ra d ussdrm admsan. Uma i wsnfar n tmltavt ioga uyad sumat(i) asikkm usn-far usnmala s twizi n tgmmi taymmat BMCE Bank, d usnuccg ivudan i yrçan(ii) d tvarast id-dukman s PACA tamqaccut, d(iii) uburz amaynu imltavn issufuvn ar isakkam.

D altu acrmÄ n tratsa tamma g urççum i wammas n twuriwin g yits n BOA, sumata BOA kuïdi-bwar, lbank imrwasn n bujum-bura- BCB- d BOA madagaskar. I tmltavt umata, kigan iskkin ag llan data sn dvi g BOA tanglu-funit.

4,8 Mrd EUR6 Mrd USD53 Mrd DH

130,1 M EUR89,4 M USD1,4 Mrd DH

2,5 Mrd EUR3 Mrd USD28 Mrd DH

506,5 M EUR591 M USD5,6 Mrd DH

3,5 Mrd EUR4,4 Mrd USD38 Mrd DH

31,4 M EUR29,8 M USD345 MDH

320,6 M EUR209 M USD3,5 Mrd DH

+10% +10%+13% +12%+7% +7%+10%

AMUGGU AMATU

TAYAFUT TARZDDAGT

USSULV

IMRWASN IYDDATN IZDDAGN

ISU-RAS RNPG

TANBDUT TAZDDAGT

LBANK

BMCE BANK

Am 30 iwdan immutin zg BMCE Bank

vr tratsa n BOA.

BOA- BMCE BANK asmsi i tmzmmar g kigan isuyas n tguri : assdrm, asnuccg irçan, asddukm, tipÄi tamatut, asmutty, IT,..

BOA - SALAFIN asnam i yat towalt usnuccg i wfrruy ammatn d ivudan i wmata d tmqucca.

BOA - BMCE URUMSMAJJAL asmsi i tmzmmar gr BMCE urmsmajjal

BOA-BMCE CAPITAL mskwit i yat towalt iplan i BMCE uydda yusin tiwu-riwin umsdiwr, amazan n bursa d usnuccg inzzivn.

BOA-RM ACRMAÄ asras g udvar i yat tmgrawt usnuccg i wfrruy inmn.

Timzmmar timsdusin

asmsi asdusan gr trbiot

PAGE 42/43

Lbank usmsi n mali

S yat tratsa igan 40 n tayawt g tingiri n 2013, illan dvi g snat Änin n tmizar(vinya bissaw, fransa), BDM-SA ayd igan lbank amzwaru g mali mi tuli tyafut ns tazddagt s +13,4% igan 15,25 M€ d +3% i tnbdut tazd-dagt lbank yiwÄn ar 39,7 M€.

D ugar, itamma BDM-SA g ts-tratijit ns usmsi g kigan n tmizar vr 2015 d usdus i tmzmmar n BMCE Bank g ibrdan, isnayn umsawaÄ d tmrt i tgu-riwin tinamurin.

Tamsyafut lbankAsddukmu i tyssa n tsbbabt

Tga tmsyafut lbank tamzwarut g tratsa n tayawin n tmizar isdusn isuras d imrwasn ns s +8% d +5% yat dart tayÄ mnid i 2012 d utwag i yat tyafut tazddagt n 7M€.

tayÄ, assufv i lbank n tgu-riwin ns, tamma tmsyafut lbank g usmsi i tnbda n tmsn-nirst s tamaut d RMA Watanya d AGC d tmzmmarin gr trbiot xf ussdrm n brra d lbank uçlig.

tayawin Änin n Afriqya

BMCE Bank g urubba d asya

BM

CCEE

BaaankammmaÄÄallnvv

dddaa

yyddd

da

nvB

M

CE

Bank amaÄalnv

da

yd

daaa

nvv

BMCE BANK

G 2013, twag yat tyssa, s usnay i hulding BIH, ismun sin lbnik, d tayawin n urubba ; BBI PIC(lundun d bariz) d BBI madrid.

Tastatijit ad tamaynut ayd yudjan timitar planin xf tgu-riwin g 2013 i BIH, isdusn tayafut tazddagt s 3,3 M€ n BBI PIC(+130%), igan win BBI madrid yiwÄ ar 2,8 M€ llig yuli s +2%.

D altu tamu urbba g walay n 6% i tyafut tazddagt ili n trbiot n BMCE Bank.

Mnid uya, mskwit n BMCE urms-majjal, tayawt ifkan i MRE yat tadlda ifssayn usmutty vf lmavrib ; timsmajjalin g sbanya, bljika, ïalyan, lalman, hulanda d tgldit imunn.

BMCE Bank TamaÄlant Plc Lundun d bariz

Iga usggwas n 2013 yat tmatart i wtamma n tzmmar illan yad, issalyn ikccumn , asdaddi usgufu, assnam irçan d altu asmsi n tmzmmarin n tsbbabt d tayawin n trbiot g urubba d afriqya.

Isddukmu BBI lundun tizmmar ns s yat tyafut tazddagt igan 2,8M€ g tingiri n 2013, llig tuli s +135% zg tingiri n 2012. Tayafut ad tlla iddv tuli tnb-dut tazddagt lbank s +17 igan 13,7M€ s usnam irçan igan -4% s 10,1 M€.

BMCE Bank g urbba

Ddaw n tmatart n tumrt d tyafut

Tagldit imunn

SBANYA

BRÏQIZ

ÏALYAN

FRANSA

Lalman

Bljika

BBI LUNDUN (2007) Asggawr usnnbgu

BMCE BANK AMAÄLAN MADRID (1989) Asggawr usnnbgu

LICBUNA Asggawr n BBI madrid

Asggawr usnnbgu

ASAZZAL N BMCE BANK BARIZ (1972) Asggawr usnnbgu

Asggawr usnnbgu

Asazzal n BMCE urmsmajjal

PAGE 46/47

issavul n BBI lundun iwÄn vr 13,6 M£ g tingiri n 2013, s yat tsazzalt n tsbbabt iplan, su-mata asfif tryasury d uydda amatar ussatr usras udrimn d tsazzalt n bariz.

BMCE Bank amaÄlan Madrid

S tzmmar iplan i wsmsi n twu-riwin g sbanya igan tamatart i tdmsa , tga BMCE Bank amaÄlan

madrid kigan n tyufa inmn. Ayn ayd ntannay s walay n +20% i tnbdut tazddagt lbank yulin ar 11,5 M€, +19% i tyafut tar-zddagt ussulv d +2% i tyafut tazddagt.

Isggzdutn istratijiyn iga BBI madrid ira (i) ad ismsi imrwan s kigan n tvarasin, (ii) assulv isddan. D yawi amuggu amdlan ad ig aowal axatar i wsttf n tnbda d tmsmajjalin.

BMCE urumsmajjal

Iga usggwas n 2013 tamatart s usddukm i BMCE urumsmajjal, tayawt tamaynut tiwÄ 100% s lbanka, yurççn ad yammr isnnb-gutn ns g urubba pma ad snucgn tiguriwin n inmudda lmavrib g brra. Tssufv BMCE yat tamut d RNPG n 2umlyun udrham g 2013.

ACCRMÄ I TYSSA TAWRUBIT N TRBIOT BMCE BANK S WAKAL D TWURI

Agdz : afriqya

Tiguriwin tirasalin :

Assatr,asras idrimn, asdda

Asmutty, asnfar d usnay usdrm

Agdz : afriqyaTasga uvlluy

tanafllatTiguriwin

tirasalin : asras idrimn

Agdz : afriqya

Tiguriwin tirasalin : asras idrimn

LUNDUN MADRIDBARIZ

BMCE BANK

BMCE Bank g asya d mirikan tanafllat

vrs imalnimaynutn

Cinwa

KANADA

Imarat oara-bya imunn

Asggawr usnnbgu n bikinArççum i tsazzalt n BMCE Bank g cangay

Asggawr usnnbgu g munryal, kanada s tamut n umussu wurtan le mouvement Desjardins

Asggawr usnnbgu g abu Äabi

BMCE Bank g asya Asggawr usnnbgu g bikin

Tuggawin usggwas n 2013 i wsggawr usnnbgu n bikin, ççan tt kigan n tzddayin tidmsanin d tin tsbbabt, d altu tmmu-cit invmisn. G yan uzmz, asnay n cinwa afriqya usnuccg asdram (CAIM) isrs yan yili iplan i tguri.

Tama utamma n tguriwin ad, issn usggwas n 2013 altu asmutty n tnbbaÄ usggawr usnnbgu. G uyad as iga mag ggudin g tsuraf tidblanin mayd yiwin vrs as-nuccg amvudu, i ymswuran ibr-raniyn am uylli ikkan g cinwa.

Irçm BMCE Bank ad ismutty ta-guri ns g cinwa, ikkan zg 2000 g usggwar usnnbgu g bikin, vr tguri tamqrant lbankg yat tsazzalt n BMCE Bank g cangay.

PAGE 48/49

BMCE Bank g mirikan tana-fllat

Irçm BMCE Bank g mars 2014 yan usggawr usnnbgu i kanada g munryal, igan tayafut n tirra gras d umssu wurtan , igan tarbiot tamzwarut tamawast n kanada.

Tayssa yad tudja BMCE Bank ad issiwi i ymvrabiyn illan g kanada, inlmadn d imswuran, kuyass pma ad asn gin iskkin ran.

Tayssa umsasa tira sumata asmsi issuluvn n tguriwin zg tzugi imsnucgn d tsbbabt gr lmavrib d kanada, d ugar sumata gr kanada d afriqra s tratsa BOA.

Tamasayt tanamunt d tafzwant

BBM

CCE

BaankammmaÄÄallnvv

dddaa

yyddd

da

nvB

M

CE

Bank amaÄalnv

da

yd

daa

nvv

BMCE BANK

Tamasayt tanamunt d tafzwant

Tamgrawt BMCE Bank

Tga tmgrawt BMCE Bank i wssgmi d ifzwi g 2013 taguri ns ddaw n tmatart « astamma usmutty g utamma » d ussmsasa i watig n tgiriwin.

Am uylla ittumyarr, pma ad tam-ma twuri usggmi twaggn kigan n tzmmar zigsn tt tin massa tanmvurt duktura layla mçyan bnjllun, s uÄfur tga i tguriwin n tivri d ifzwi pma ad bddant xf uyad g llan dvi.

Tid isnin g kraä isuyas imqrann (1) asdus n tratsa Me-drasat.com ; (2) assmaynu usnay n tivri d tyufa tibidagujiyin inmn i ywdan ;(3) asszdig ifzwi amaddadd usxitr ns arwaddad.

Asdus n tratsa Medersat.com

G usggwas n 2013, tgula tratsa Medersat.com, yits idvar imaynutn g tbidagujit d uÄfur i tivri g tinmal n tratsa, g fvn iyufan iplan, allig nn yiwÄ unv-mis ns magan tanila, tirmt yavul tmqqur g tratsa n Medersat.com.

Taratsa Medersat.com, irçm yat tinml tamaynut g bni cikr g naÄur. Tinmll ad digs smus n skwilat, d sin ipuna icrmÄn i wzdduv islmadn d tslma-din, d ibddaz i tcirratin d icirran,d usmmlhu mi ggwudin twuriwin n tivri d waddad.

Tamgrawt tg ayan umsslhu wad-dad guvrbaz bni cikr, izdin d Medersat.com n bni cikr, s tyssa gr as d tnmhalt Tasg-gawt n tmasayt n tivri tanamurt d usmutty amswuran s umsasa d usyssa ayd yudjan tinmll ad ad tili.

Asbikks ntvudi

PAGE 52/53

asnfar usnam i tinmall isul itamma g uzgn amzwaru n tzugi usggwas 2013, sumata g tinmal n Medersat.com walmas, ayt dpan albuyÄ. Mag ggwudin zg isnamn ad kan zg sin isggwasn ayad g tmssgnfa n tivri pma ad ur tbdda tivri.

Asxitr wanaw wanam abi-daguji i wsnay issgmi

Pma ad tmsawaÄ xf tguriwin ns, lla tssufuv tmgrawt alvu ns avmsan, ku tiklt g udvar ns wib d usnulfu i wsaru asavran. D altu tanmvurt tusi s yixf ns, nvd s tmasayt imssamutn ns tavawsa yad, tbdda xf kigan n tguriwin itwagn g ifzwi d issgmi anawan.

S umdya, massa tanmvurt tga g 22 may 2013, yat tinawt xf « tastratijit usmsi i wssgmi anawan jaj imçlaÄ » g « usqqimu asavran n synrgus », dd yiwin xf wanawn n usggzdu, d win tyufaiplan i tivri g umaäal s tamut imassan ixatarr d inb-dadn n tmsmunt synrgus

Asmaynu n tyufa tibidagu-jiyin i ywdan n Medersat.com

Asras ku yass i tnvmisin xf tinmal n tratsa Meder-sat.com igan tin sifat wamun ugdud d imswuran zg islmadn d tslmadin d tyufa n tivri inlmadn mayd ila usggwas n tvri’fbrayr 2013 d yulyuz 2013).

Tuggi umuggu avzaf n tanawt d waddad n tguriwin usnay n tnvmi-sin d immzdayn idamsan, ayd igan tawuri xf tskwa tmssu-mant itwaggan g usays n tivri, d vifs ayd itwissan manig tiwÄ tivri yad g isggwasn inggura ;

Asikkm itwagn i wnzziv n wad-dad usdaddi abidaguji g usnay n tnvmisin

BMCE BANK

Asbikks n tvudi g trat-sa Medersat.com

Tiszdayin d imszdayn idam-sann kkan g nayr 2013, ad gin assavn iqburr inlmadn g tinmal n tratsa Medersat.com smun inv-misn akw xf tvuri nsn tasunant. Sman invmisn isul itamma g isunan d ivrbazn xf inlmadn ur yiwiÄn bakalurya, imil tamgrawt tzmmam assavn willi yiwin lbak igan am 180 unlmad n tratsa Medersat.com( irçmn g 2000 d 2001)g llan smus yiwin tamnaggayt uburz, d 36 ivudan, d wiyaä iggwudin s imik.

Tamut g usmijjl i tguriwin tidlsanin d tifzwanin

Azgn amzwaru n 2013 ag tamu tmgrawt n BMCE Bank g tgu-riwin ugraw amaÄlan ussgmi afzwan(WEEC 2013) ikkan g usfsar ugraw n mrrakc zg 9 vr 14 yunyu 2013, tgat tmgrawt mupamd wis sdis i tipÄI ifzwi d tmzmmamt tamatut n WEEC.

Tinawt ad n massa tanmvurt n tmgrawt BMCE Bank tiwid xf « aggwudi yimaln g issgmi izdin s ifzwi ».

Asmaddaw guln wurtu azuluji anamur n rbaÄ iommr s ussavul i « izmawn atlas » g mars 2013 i wsggwas 2014.

Am uylli ikkan g isggwasn izrin, tamu tmgrawt BMCB Bank s ixf ns massa tanmvurt d umsdiwr ns admsan, i twizi n kigan tguriwin tidlsanin din issgmi, zigsn tt :

Tamut d usbdda ussdrm i tmktit n mraw tsuta n granada g sbanya( tssekw g 1013 tgldit tamazivt izriyn) g nwanbir 2013, d tamut d tmgrawt uru-taorabt d tmzdayt tafran-sawit n granada. Massa tanmvurt tamu g kigan n tiwnaw zigsn tt tavmsant d imsawaÄn n sbanya d urubba , tili g kigan n tinawin takadimiyin g yan ugraw ikkan g 18, 19 d 20 nwanbir 2013 ;

Taskflt tis 9 ugdud n tdl-sa tamazivt itwagn g fas g yulyuz 2013, mi tsvim tmgrawt asvall n fas d tsdawit sidi mupamd bn oabdlla.

Agdud n tmktit tis snat ussmnÄu n tutlayt tmazivt g un-hil , tga tmsmunt tayri wakal g tiznit ass n 15 yunyu 2013.

Taskflt tis 19 i wsfsr amaÄlan udlis ddaw n usnuccg n tmasayt n tdlsa g fbrayr 2013 ;

Tiguriwin umaÄal n taysi usxitr uydda adlsan amaÄlan ;

Tiguriwin n tmsmunt idri-sya i wçawan andalusi.

Tamasayt tanamunt d tafzwant

PAGE 54/55

Asmsi akutwal

Yat tsurift RSE yummr

Izgga BMCE Bank advar ns astratiji g usmsi akutwal, s usbddi i RSE g ugns n tstra-tijit ns tamsyafut d tdlsa n tmqaccut.

Iga lbank tizmmar imqqur pma ad tsikkm g usnuccg ns ti-mukrisin n kutwal, llig isrs g udvar tavarst usnuccg ikkan idis i yrçan usmsi, tinamunin, d tin tnbbaÄ(ESG) d issuluvn iviyn ad smvrr tanawt n tyssa s ussdrm d usnuccg idrimn vad irarn tiyufa g mag drusn uzmz.

Tamskwawt watig, tamsksut RSE g BMCE Bank, lla takka zwar mas itzggan irçan dd itkkin tiguriwin d usdrus mayd isdiddin assulv d tmaynutin g tgura ugdud.yamu lbank ad isfsi isbdda isnayn ignsann pma ad issdrus izmull iviyn ad ikk asnuccg n tvawsiwin, yawi vr tyufa timatutin.

Amnzav amajgal g usays lbank amvrabi, iga BMCE Bank yat tsrtit RSE tndraft, izggan xf umssavul amaÄlan ISO 26 000, s tmssumant ad yasi s mayd ira pma ad izmmam g ESG imsssa-mutn ns istratijiyn.

Tizmmar timaÄlanin i wsmsi admsan d usdram akutwal

Zgus isnm isvall idusan(EP) g 2010, ibggs BMCE Bank vr 78 n tsntut tasdramt g usxitr d usnuccg irçan S d E g usays ussdrm isnfarr imajgall vr illa USD 10 umlyun.

Iga 2013 asggwas avudan g usnam d usras isnfarr, llig yamu lbank g tmktit tis 10 n EP g yunyu 2013, llig yga tamatart i wrcco n tzugi tis 3 isvaln.

Asddukmu usmijjl usnuc-cg irçan inamunn d ifzwan

Asfsi irçan inamunn d ifzwan i ysnfarr isdramn lbank, yavul ismijjl asnam ns ad isikkm tavarst tamswurayt( asmutty, asnay acrmaÄ, tivarasin…) g usays n tmqucca dg tayawin ti-nammasin usbdad(irçan, asmsi

akutwal d RSE), d tiyaÄ tayawin n trbiot.

G utamma i tzmmar timaÄla-nin d imssamutn imssavul umaÄal( IFC, BERD, JBIC,…), yusi BMCE Bank tamasayt, s wassav lli iga d wiya irçan, irçan ifzwi d inamunn g isdramn ns : timqucca,imswuran, d tsbbabt n brra. Azwir ad tuca assa i

BMCE Bank yan unzzuv amssavul g tmurt d tsga, s ikccm amaÄal pma ad isnmal tirmt ns.

Asdus i wadda n BMCE Bank g tsdramt takutwalt

Iga BMCE Bank yat tadla « Ener-gico », i yan umrwas usnuccg s umur yiwin s tdrfit vr PME i wssdrm wakkam n towalin yak-kan yits n trmaÄ n tmsdusdt, itraran xf iskkin usmsi akutwal.

Xf uyad, as twari yat tyssa d yan umsnuccg n tmsmajjalin d tnbda timsdusin iviyn ad irar imswuran lbank ad afin tanbdut ussrvi waman n tafukt s yits n tsntal vr illa imal.

tiyaÄ n tayssatin lla suln tt g tiggi pma ad yili dat imltavn « amata/ imswuran » tnbda idusn d tin kutwal.

BMCE BANK

G yan usays usmsi usras aku-twal d tmasayin, kigan isnfarr ag llan g ubrid, mi tga tma-tart ussdrm EE/ER, tgin 4 ism-ncgn iyddatn s yan wassav yaÄ, yat takarÄ tamasayt i twizi n tmsmunin isikmn inzzivn RSE g wanaw n twuri nsn, d altu yan wadla i « tsdnan timsnaccagin », yakkan ifssayn ussdrm inmn d ussiwy acrmaÄ.

Awttas aqran lbank , ad isbiru tazgawt n tnbda ns g kigan wanawn n tmltavt, dart i wssufv n yat tsdallalt tamqrant, d usikkm igdn i wamun d ifzwi g tnbda tiqburin.

Tissaf yakkan tamatart i tvarast RSE n BMCE Bank

Tskwa tvarast RSE xf ums-savul amaÄlan ISO 26 000 itwagn g isuyas izrfan ufgan, mag twagga twuri, s usikkm isull i smus yaÄ isuyas issnbaÄn asnay , tiguriwin vudanin, ifzwi, akkam g usmsi d isq-sitn izdin s wiss issavn, issalayn altu zg tvarast usikkm lbank g RSE.

G 2014, ttusti BMCE Bank, zg 8 n tmqaccut inmn »tayafut tamj-galt RSE lmavrib » s tmasayt ns g « ugdud d usmsi asggaw » d « tstratijit ns usmsi », i wsggwas wis sin imÄfarr, d i sfrt tamzwarut, i « wsnuccg d usxitr uydda iwdan ns », g usays usmutty, d ucrmÄ uswu-ri.

Lla yurççu lbank asggwas ad ad isxirt RSE ad igula tayawin akw, ad isfld i ymltavn ns, ig tasrtit RSE gan tsdramt iplan s uylli ittini asvdu amatu asddad amzwaru.g ussdrm akutwal, lla sull imdiwarr d kigan imssamutn d imsncgn iyddatn, va yviyn ad isbdda tamsdust takutwalt.

Tiyufa tifzwa lbank imsasan d ISO 14001

Tiwi BMCE Bank dvi tamnaggayt n ISO 14001, xf usnay ns usnuccg ifzwi. Izgga altu advar ns amzwaru g lmavrib d afriqya tanafllat s ukccum iga g usays ad. Asggwas ad isikkm lbank isvall n SME g yits n tayawin n trbiot, sumata g usprru d usdram.

Tamasayt tanamunt d tafzwant

PAGE 56/57

Aydda afggan

Amussu n tmsmajjalt isg-gzdutn istratijiyn

Tiguriwin usmutty ng tmsmaj-jalt n twuriwin

G 2013, tiguriwin umyaway usn-far usmutty lla ysul itamma. D altu, tanila n 250 umssamu yavul ad ig tawuri yaÄ g usays n kab amtamma d mskwit n tguriwin n tpÄi takutwalt.

G tvawsa usnuccg usmussu, twagn kigan idvarr i ymssamutn lbank scwayt n ku yan digsn, g usays usmussu ugnsu d ussmvr n tslwayt.

Xf yan umzmmam yaÄ, asggwas 2013 iga tamatart i kigan tnta-lin s usval i wsnfar usnuccg n tmqranin n tayawin tinammasin, anmvur amstamma usnfar, s ussmvr usizzl wassav n tzm-mar d usras g udvar i wsnay azrfan. Tavarast ushyu tavul i wsikkm n tirmt MBTI g trbiot, ifddan s yat tsassayt tasb-babt s usgdi i wadda.

Asnfar ussiwi i ynmvurr dvi ibddan ugar xf tguri usdras d tussna i tguri dg trabbut.G tama uya, 70% umssamu ag stamman s yat tguri usmutty, igan alay n +40% i mnid usggwas n 2012.

D tayÄ, am 78 umssamu stamman asanf ITB d iflwan lbank d 134

s tutlayin(tanglizit, tsblyu-nit).Ankt islwayn n trbiot g usays n tratsa gan yan usnfarusddad amallay i yits id mraw wussan usmutty, mi ytwina M4Banking, iran ad ismussu inzzivn i tba-dut n watig, asizzl n trbbao d usdus i tzmmar timzdayin.

Yat tzmmart iswizn i wsanf g usays anamun

A S usddukma umsawal anamun, d imssamutn d imawasn inamunn d usmsi, tzgga BMCE Bank tawuri g tfganit as ifkan mas trçm yan unzwi anamun iddan g walay vr dat.

G umsawal anamun snat n trbbao n tmqucca d 3 n trbbao usnnirs d tsnmal usin isnfarr usnay i tguriwin tisdram d tsbbabt, asnnirs, assujg, d twuri tana-munt yudjan BMCE Bank ad ikccm asays n tdusi d ussujg d unnirs ntta d imssamutn ns.

G tsga yaÄ, tirubba tiyuga umsasa d tyssa tanamunt gan tawuri xf wanawn iggwudin, sumata CMIM, asmutty, asddan, ammasnusalay d ussnjm.

G 2013, iga tamatart s tingiri i umsasa d imssamutn inamunn n USIB-UMT, illa xf id mraw wa-nawn : atig n twuri inmhall, atig d tizwarr n tfaska, asxitr i tzugi tanamunt, aowal usxitr, adrim xf yiwl d tarwa d imrwasn.

Tasggawt llig tdda tnamunt tga tamatart i wsfuglu s kigan n tguriwin g tsga, am wass n tmvart, ass n tocurt, d wussan waddal.

amsawaÄ agnsan isddan d imugunn

g 2013, issmvr umsawaä agnsan tiowalin ns g usays usfsr s kigan iynunn, sumata agns maynu, agnsu,anvmaynu, d kigan imsgg-zdutn ifvn dart i wmsawaä d imssamutn, d ittawin xf kigan wanawn am CMIM,RH wamaç d imrwasn.

S umyaway d isnfarr isnayn, yits isura n tsntutin twagn yad(BMCE urumsmajjal,GRC, azan n tayawt…) G tama uyad, inggiyn n twuri llan yad slillun i « tzm-mart imssamutn », tisbdadin n tmsdust ns ttuskwin tt yad.

Asissn inumman xf tanawt i tid-diwin RH

Dart i wsikkm usnfar g usays usnay imzmman n unbdad, iwin tguriwin uydda ufgan n trbiot vrs asissn s tmaggayt n ISO 9001, tdla n 2008 s umya, ufrruv zg umsggawr abiritas.

Ugar, yiwi BMCE Bank tivudi n tmajgalt tyafut RSE lmavrib i tayawyt bijyu, xf wassav n wanaw usnuccg iyddatn ifgann, asxitr uydda ufgan, tiguriwin usmutty, asizzl n tmvrt, d tzugi usmijjl imssamutn.

BMCE BANK

Tizddayin tazagazin

Tiguriwin tidlsaninTaçuri d tmyurin

Iddv tga ajnniÄ tamagayt n taysi tadlsant d tdlsa iddr g lmavrib, tamu BMCE Bank g usdus d usxitr zigs, sumata g igdudn am tskflt tis 19 ugdud n fas içawann imajgall umaÄal, taskflt tis 12 ugdud mawazin d, taskflt tis 10 ugdud timitar izmull d tdl-siwin ugadir.

Yiws BMCE Bank i wsfsar usd-dam n mrrakc «The Paintings of Hassan EL Glaoui d Winston Chur-chil », agraw wis 4 n CGLU « tacttuyt tamaÄlant inbdadn isggawn d inmnaÄn », yaws kigan i wsnfar n tguriwin itwaggan xf tstratijit « tazddayt GE/PME » tga tmgrawt tamatut i tmqucca g lmavrib.

G tayÄ, s uzdduy iga BMCE Bank d tçuri, yamu g kigan ifssar n twllafin am talli n saod tazi « lmvrib tiniri » d usfsr ivman n mass mapjubi apräan « ivman issawal ».

Tiguriwin timsdasAddad amstamma

Yiws BMCE Bank i yits n tms-munin isasayn amun anamur, irar xf kigan n tutrawin ugdud g tsga n tmsmunit vr llan iwttan ufgan d tyufa timatutin.

Assiws ad ikkad kigan n tgu-riwin ttgga lbank, am msivt n tflwin n tvuriwin vrs iwizn d imnsiwn n gala vr llan iwttasn i twizi middn. Iyddatn itwagn i tvawsa yad , ran ad tsdusn advar d twuri n tmsmunin g kigan isuyas izdin s uswizi g tudrt d ivnca.

Zg tsntutin yumçn g tguri yad , lla nkett (i) tamsmunt liwaa almuqawim,(ii) tamsmunt aloadwa-tayn uçawan, (iii) tamsmunttaguri smil,(iv) tigmmi n sbanya n tsb-babt, i wsmukkn d usnuccg,(v) tamsmunt tamvrabit iwcka d isnfall, tamqaccut tafransist i tsnnbga vudanin g tgmmi tu-mlilt d, tamsmunt bayt bahya.

Aswizi asddalAsnuccg akutwal

Am uylli izrin g isggwasn kkanin, tamu BMCE Bank g usmsi waddal, d altu lla yttaws i tskflt tis 40 i pmmzwur passan wis sin n gulf, taskflt tis 10 ugdud amaÄlan n bridj n fas, taymat tadlsant d taddalt i ysafrawn, takadimit mupamd wis smus i tcamma uäar, d amssamu arasal, taskflt tis 4 n mrrakc tsmvurt tamqrant, tamsgrawt tagldant tamvrabit waddal, jit ski usqqim n rbaÄ burgrag, d tskflt n kilimand-jaru n massa ïahri, tamszdayt n BMCE Bank.

Tmsddayt tafzwantIfttasn izddagn

Yamu BMCE Bank g usxitr n tazdgi d ussmsi ifttasn igan win tmasunt alharhura. D altu tga tmsnnbgut tacrmaï d tssdramt tarasalt i wsizzl n tadliwin d tmiwa n tguriwin itwaggan g ifttasn, g usays n tvarast usmsi akutwal iskwan xf inzzivn n label « tamsrit tajnjarit ¼.

Tamasayt tanamunt d tafzwant

PAGE 58/59

taguri tasdramt tamuhant

2013 2012Euros Dollars MAD Var 13-12 MAD

2013 Asnfl 2012Uru Dular Adrham 13-12 Adrham

iskkin

Atign g ubyyao, lbankat tinammasin,tarusi tamatut, iccikn imazann

435 600 4 887 31% 3 742

tificay i tsntutin uspayl immerwasn 1 425 1 963 16 005 -1% 16 092imrwasn xf tlttavt 9 140 12 592 102 648 6% 97 170imzemmn umsaraf d uswuri 2 483 3 421 27 886 -18% 33 888imzemmn ussnbdu 422 581 4 736 2% 4 665imzemmn n tamut d isnuccugn immerwan 586 807 6 581 17% 5 620ivrman ur isttan 42 58 473 6% 446ivrman isttan 208 287 2 337 11% 2 108iskkin Änin 146 201 1 640 -47% 3 068amuggu iskkin 14 887 20 510 167 193 - 166 799

tutrawin

imrwasn i tsntutin uspatl d ummerwas 2 266 3 122 25 446 -3% 26 351isrusn n tlttavt 9 136 12 587 102 603 0% 102 333imzemmn n tficay ittusufvn 1 049 1 445 11 776 17% 10 062iskkin impÄan d irz�n 721 993 8 094 -24% 10 589imrwasn imÄfarn 483 665 5 421 23% 4 417iyddatn uzl�gn 160 220 1 795 0% 1 795tutrawin Änin 1 074 1 479 12 058 7% 11 252amuggu n tutrawin 14 887 20 510 167 193 - 166 799

assiÄn n tyafut

Tama n tyafut 260 358 2 921 7% 2 729tama xf idrimn 64 88 718 7% 668tayafut i tguriwin ugdz 84 116 943 12% 840azddag ibÄan 20 28 226 -36% 354asnbdu azddag lbank 428 590 4 809 5% 4 591imigan i ysirawn isdramn 27 37 300 - 11irz�n imatutn i wssulv 258 355 2 894 4% 2 781tayafut tamatut i wssulv 198 273 2 222 21% 1 840tayafut timzggit -66 -91 -742 45% -513tayafut ur yuzzil 33 46 372 64% 227Tayafut tazddagt 99 136 1 109 56% 713

ili n taramt zg 31 dujambir 2013uru/ adrham : 11,2305Dular amirikani/adrham : 8,1516

BMCE BANK

Taguri iddukman

2013 Asnfl 2012Uru Dular Adrham 13-12 Adrham

iskkinAtign g ubyyao, lbankat tinammasin,tarusi tamatut, iccikn imazann

1 063 1 465 11 939 20% 9 922

iskkin isdramn illan s watig izggan 2 513 3 462 28 224 -18% 34 245inzivn isdram illan i mnzit 296 407 3 320 19% 2 796iskkin isdramn xf tsntutin uspayl d ummerwas 1 616 2 226 18 146 -15% 21 397imrwasn d tficay xf tlttavt 13 301 18 325 149 375 8% 138 809iswuriyn itwamz�n ar ttuommr 1 116 1 538 12 537 19% 10 519tim�sriyin i wswuri 84 116 948 54% 614ivrman isttan 487 671 5 466 7% 5 131tisbdda ur isttan 69 94 770 3% 751imgzall n msivt 74 102 832 0% 832iskkin Änin 458 631 5 140 -12% 5 873Amuggu iskkin 21 076 29 037 236 697 3% 230 889

tutrawinimrwasn i tsntutin uspatl 3 123 4 302 35 069 2% 34 228imrwasn i tlttavt 13 249 18 253 148 790 3% 144 651imzmmn i tficay ittusufvn 1 109 1 528 12 452 -11% 14 015iskkin i tipÄi d irçan 41 56 457 -13% 521imrwasn imÄfar 518 713 5 816 22% 4 760iyddatn uçlign 1 705 2 348 19 143 4% 18 415ili n trbiot 1 327 1 828 14 899 4% 14 262tiyufa i wis idrusn 378 521 4 244 2% 4 153tutrawin Änin 1 333 1 836 14 970 5% 14 299amuggu n tutrawin 21 076 29 037 236 697 3% 230 889

assiÄn n tyafutTama n tyafut 592 815 6 645 6% 6 243tama xf idrimn 156 214 1 747 14% 1 526tayafut i tguriwin ugdz 86 118 961 20% 801azddag ibÄan 48 66 538 20% 448asnbdu azddag lbank 881 1 213 9 891 10% 9 018irz�n imatutn i wssulv 472 650 5 300 9% 4 863imigan i ysirawn d tadlwin 58 80 655 14% 574tayafut tnzdagt ussulv 350 483 3 936 10% 3 581atig impÄi 115 159 1 295 17% 1 108tayafut ussulv 235 324 2 641 7% 2 474tayafut dat n tnfult 242 334 2 722 27% 2 149tanfult xf tyufa 75 103 841 47% 571tayafut tazddagt 167 231 1 881 19% 1 578tayafut brra n trbiot 58 80 650 -1% 656tayafut tazddagt ili n trbiot 110 151 1 231 34% 922

ili n taramt zg 31 dujambir 2013uru/ adrham : 11,2305Dular amirikani/adrham : 8,1516