Agmmur - BMCE Bank · Agmmur AwAl unmvur mAyd illAn g ugrAw AdblAn TisfrAs inmvurr usnuccg AvArAs n TrbioT bmce bank TAsTrATijiT n TrbioT bmce bank TimiTAr illAn TiyufA n TrbioT

Agmmur

AwAl unmvur

mAyd illAn g ugrAw AdblAn

TisfrAs inmvurr usnuccg

AvArAs n TrbioT bmce bankTAsTrATijiT n TrbioT bmce bankTimiTAr illAn

TiyufA n TrbioT

bmce bank g lmAvrib

bmce bank g AfriqyA

bmce bank g urubbA d AsyA dg mirikAn TAnAfllAT

TAmAsAyT TAnAmunT d TAfzwAnT

Tam

azivT

Xf tavzi usgÅAS 2015, ifdda BMCE Of Africa s mayd içill tayssa tastrati-jit usmsi ns 2012-2015, imsasan d tfugla tis 20 i wçlag ubank d tfugla tis 60 i wamaç lmavrib i wzarug ns.

S uynna nra, tusi tsdust tamyafut icyÄn zg 2011, s yat tyafut tazddagt ili n trbiot vrs aflla n 2 umlyar udrham, d yan umur amalay anammas n +23%. Tssili tguri ussulv tayafut tamazzalt, s yat tnbdut tazddagt ubank s tnammast vr +10%, s tnmala taduli n 12 umlyar udrham.

G umaÄal, tga dvi trbiot tis 2 n trb-bao ubank, iddv tumç kigan g wakal n afriqya, ikcmn g 20 n tmazirt yumçn 4 zg 5 isuyas irasal idamsan n tsga.

tga trbiot ubank nv g afriqya tiyu-ga tisdram llig iga ili wis kraÄ n tyufa n trbiot win trbiot BMCE Of Africa, abank usmsi n mali d ubank akunguli.

Iga usgÅas 2015 tamatart i s usdus i wowal unbaÄ, igulan sumata ad isrs kuç idblan imaynutn idrfann, vr llan tcrmaÄ g umaÄal s wakal d twuri tamgÅudit, iswalan tarbiot nv ad tg asmsi amaynu g isgÅasn d iddan.

AwAl unmvur

llig iga tarbiot n afriqya, ikccm g usmsi s yat tdrimt takutwalt d tmqrant, d ar tssmvir tamssamut g mayd tla tsga, nga asgÅas ad taskflt tamzwarut i tmsmvurt n tmssamut g afriqya, « African Entrepreneurship Award », i 10 wiss yiwin idvarr imzwura g 5000 umstay d iddan zg 54 tmazirt g tsga n afriqya, issdrimn altu isnfarr ivudan g afriqya izdin s usslmd, amrdul d usays « ur inimn ».

Tizmmar ad tinamunin kkand taguri n tmgrawt BMCE Bank, g tguri tafssast ur djin ikkin g issgmi g brra, yakkan i trbiot asanf amaynu issmnun tavarst ns g 2015.

G usyas ad n tyuga, tga twuri nv talli issalayn imal n lmavrib g tçça tr-biot tifulin ns, g tsga, igan dvi igr nv g birun twuriwin, tasga igan dat as ankt iyddatn iwdan, tisdram d ukccum g umaÄal.

Outman bnjllun anmvur aslway amatu

AGrAw AdblAn

Zg uçlmaÄ s afasi

Outman bnjllunmicil lukasobdla ïif zavnunozdin gssuszuhayr bnsoidfranswa hunrubryan k.msk hundirsunfilib du fun ïin-bibkristyan du bwassunbrahim bnjllun-twimi

Outman bnjllunAnmvur aslway amatu

Azmz n tnbadt tamzwarut : 1995*Izmaz uncag d tingiri n tnbadt : 2013 – 2019

lbank afidirali umrwas usnnirs Cm-CICIsmaddi micil lukas

Azmz n tnbadt tamzwarut : 2005Izmaz uncag d tingiri n tnbadt : 2014-2020

Abyao usras d usnuccgIsmaddi obd llatif zavnun

Azmz n tnbadt tamzwarut** : 1966Izmaz uncag d tingiri n tnbadt : 2016-2022

RMA WATANYAIsmaddi ozddin gssus


FINANCECOMIsmaddi zuhayr bnsoid

Azmz n tnbadt tamzwarut :2001Izmaz uncag d tingiri n tnbadt : 2015-2021

franswa hunruadblan uçlig


bryan k.msk hundirsunadblan uçlig


filib du fun ïin-bibadblan uçlig


kristyan du bwassunadblan uçlig


brahim bnjllun-twimiAdblan aslway amatu amazzal n trbiot


g ugraw adblan n BMCE Bank itwagn g mars 2016, kuç idblan uçlign imdduma. Igan kuç n

tmivisin timaÄlanin g uswir illuzn g kigan idvar.

(*) i wmuggu uzmz unbaÄ, imun usgÅas s mas itwamç udvar unbaÄ xf nsawal

xf iynunn n tguri d iddan.(**) twag trbiot unbaÄ g ugraw

adblan n BMCE Bank zg 1966 ar 1997, daras itwaggas wassav g ugraw amatu anaman n 26 mayu 2010, mas zavnun itwag ad

inbÄ g ugraw adblan n 20 mars 2015.

Tarabut unbaÄ

Tasntut imyawayn d usqqim adblan, tgra trabut unbaÄ araoa ns d tamazanin ns i wsqqim xf usras i yat tsrtit unbaÄ ivudan.

Tarabut usddarm d tipÄi tagnsawt n trbiot

lla ttadr trabut usddarm d tipÄi tagnsawt n trbiot g usqqim adblan ad isnm tipÄi tagnsawt, s uylli (i) s va ymnu usnay n tpÄi tagnsawt d tmssumanin iviyn ad itwagg i wsfafa d waggad i yrçan g lbanka d tayyawin ns d usnulfu i ynvmisn, yakka amsgadda g usays usfafa amddukmu n trbiot ; (ii) invmisn isdram itmmucan i wsqqim adblan d wis kraÄ igaddan, ishyan tiyufa tizrfanin imssamutn, ims-ras d tsggiwin yaÄ ispayal iyddatn nsn d (iii) umnzav i ynunn inamunn d imddukma itwagan dat usras i wsqqim adblan.

Tarabut irçan n trbiot

lla ttadr trabut irçan n trbiot g usqqim adblan s tstratijit d usnuccg irçan, sumata tastratijit tamatut irçan itwagan i wanawn irçan lbanka d trbiot, g uswir usmutty irçan, s nmn g tsfras d tixitrt tasdramt.

Tarabut tamazzalt n trbiot

S tmvrt n mass outman bnjllun, lla tga trabut asdaws astratiji n trbiot. Iga anaccag i tguri usqqim adblan, s uzzray i tannayin g usays usmsi, atwag i tsratijit s uyn s tlla d uÄfur i wsnuccg irçan n trbiot. Isnm tiguriwin n trbiot d unbaÄ xf usnuccg amsmajjal d amswuri isalayn tamddarout n trbiot d trubba tignsawin.

TISnTuTIn ÄnIn unbAÄ

Tarabut n tslwayt tamatut n trbiot

tarabut n tslwayt tamatut n trbiot d tsntutin unbaÄ n BMCE Bank, illan g ugnsu usmijjl n trbiot lbanka g lmavrib. Tara-but n tslwayt tamatut n trbiot, ismijjil ddaw i trabut tamazzalt n trbiot, tusi tamasayt i tguriwin d towalin timsmajja-lin i ysggzdutn istratijiyn n trbiot.

Tarabut usmijjl

Tarabut usmijjl d tsntutin usnuccg, i wssumr invmisn d unbaÄ i tmukrisin izdin s usmijjl i tguriwin lbanka. Tasi altu accrmÄ n twuri ar tsrusa timazanin i trabut n tslwayt tamatut, dart i mava tsfaw tinbbaÄ xf wanawn ad.

Tarabut unbaÄ d usnuccg irçan n tr-biot

S wufuv d tga zg trabut n tslwayt tama-tut n trbiot BMCE Bank, lla tsnuccug tra-but unbaÄ d usnuccg irçan n trbiot anktn n tguriwin d towalin unbaÄ irçan n trbbao d usmsasa i tguriwin n trbiot s tsrta irçan d iwtta izggan.

Tarabut uzdday d tpÄi agnsaw n tr-biot

S tamaunt i trabut n tslwayt tamatut n trbiot BMCE Bank, lla tsnuccug tarabut un-baÄ d usnuccg irçan n trbiot, aha tÄfar anktn d tguriwin imassn n tpÄi itwagn i trbiot.

Tarabut ALM n trbiot

Tarabut ALM n trbiot d yat tsntut igan tin uhya d usgar i tstratijit usnuccg amsmussu- amnnirs n trbiot, imsasan d ismmgzdutn istratijiyn izruya usqqim adblan.

ImqrAnn uSnuCCG

brahim bnjllun – twimiAsntaw aslway amatu amasay n trbiot d uslway ugraw n trbiot BOA

mass brahim bnjllun – twimi iga Asntaw aslway amatu amasay n trbiot. G uya as isnam timvrt i trabut n tslwayt tamatut, anmvur wis sin i trbiot n tmasayt n tr-biot d talli n trabut umrwas amqran.

G tstratijit tamaÄlant n trbiot BMCE Bank, iga mass brahim bnjllun – twimi d amsntaw lbanka n afriqya hulding, tar-biot lbanka igulan 75% s BMCE Bank, suma-ta g afriqya daw n tiniri ig adblan i tayawin ubank g urubba n trbiot.

d altu, g twuriwin nna ytgga, iga anmvur i wgraw nvd adblan i kigan n tmqucca n trbiot g lmavrib, isnuccugn tiguriwin lbank n tmsmajjalin, tidvarin tisdram ticrmaÄ i tmsnnirst.

G usays ussamu astratiji i ymltavn ussavul iga mass brahim bnjllun – twi-mi adblan g tmsnnirst , RMA watanya d thulidingit ns FinanceCom . Ig altu anmvur i wsqqimu usfafa i urufriqya i wsvms amccrmÄ g usays atiknuluji i trbiot d altu adblan i uru anvmis, tayawt tatiknulu-jit i trbiot imrwasn usnnirs-- CIC.

G tmssumant tga trbiot i tmasayt n tmqucca, iga mass bnjllun – twimi, adblan i tmgrawt BMCE Bank i wssmvr issgmi d tipÄi umrdul.

Ig anbdad g ugraw adblan n brubarku, avr-baz asdram i wsmsi.

iga mass brahim bnjllun – twimi duktur g iqariÄn, asdrm, d ubank n tsdawit bariz 1 bantyun surbun. Inca tawuri ns xf igudaz isdramn g fransa, yasi tamasayt n trzi g upanu n igudaz g yan ubank n tvawsiwin g fransa, Ikccm vr BMCE Bank g 1990.

ImqrAnn uSnuCCG

mamun blviti Anmvur aslway amatu n RM tamcrmaÄ dris bnjllunAslway amatu amsdiwr i tsdram n trbiot

mfaddl lplayssiAslway amatu amsdiwr igan win takurburat lmavrib

mass mamun blviti d Anmvur aslway amatu i tayawt n trbiot igan tin tgu-riwin d uvamus n RM tamcrmaÄ, ig altu adblan g BOA n kuï dibwar , tayawt i trbiot ubank n afriqya.

mass mamun blviti iga tawuri ns g tzwiri n 1972 g tmsmajjalin timatutin dar as g tslwayt n tpÄi. G 1981 yusi tamasayt s iga aslway umrwas d ivar-butn, dg 1991, d amasay i tslwayt usmsi d umrwas. Zg 1996, yusi tamasayt i tslwayt n tvawsiwin tisdramin, yamu altu g usras i tstratijit usmsi d usmaynu usnay ubank. G usgÅas ad ayd iga mass blviti aslway amatu wiss sin.

G fbrayr 1998, iga aslway amatu, yasi altu tamasayt n tslwayt n tvawsiwin tisdram d tin ubank n tratsa lmavrib. G briyl 2002, yavul iga amsdiwr amatu i wslway, itgin amazan ubank vr lbankat yaÄ timaÄlanin d tnamurin d altu azdduy gr tsnbaÄ tisdram . Ar izddi altu gr tsntutin lbank d imssamutn.

G mars 2004, iga mass blviti adblan aslway amatu yusi tamasayt n rumidyal amsnaccg n trbiot.

mass dris bnjllun, Aslway amatu ams-diwr amasay i tvawsiwin idrimn n tr-biot BMCE Bank, ig altu admsan i tayawin n trbiot BMCE Bank, am lbanka n afriqya tarbiot, lbanka n afriqya binin d bmCE tamuçunt.

Zgus ikccm tarbiot BMCE Bank g 1986, iga mass dris bnjllun amasay i wsg-gzdu usnfar n mskwit i yat tayawt n tpÄI usnuccg, yurzzun ad issmvr tandha n tguriwin fir as d amasay i zg 1990, issiÄinn taslwayt d tipÄi usnuccg.

G 1998, mass dris bnjllun iga aslway amatu wissin, yusin kigan n tmasayin n tslwayin lbank, igan tarslt i trbiot usnulfu- asnulfu lbank, asnay ussiÄn, asnay, tiowalin timatutin, isnnirsn.

G 2003, iga mass dris bnjllun amasay i wadla asdram n trbiot issdusan sumata asnam n kigan n tayyawin n BMCE Bank, ilin tt g lmavrib , urubba nvd g afriqya. d altu yamu g mskwit i BDM isggzdu asluz i tnggarut ad d BMCD.

mass bnjllun, yiwid duktura ns zg fransa , tasdawit n bariz dawfin d yat tmnaggayt n tçrawin issiÄn imafllatn.

mass mfaddl lplayssi, Aslway amatu amsdiwr i tkarburat lmavrib. Adla yad n tslwayt tamatut ismun agdz.

Tamasayt ad as itmmucn fir i 25 usggwas n tguri g BMCE Bank, g tguriwin imrwasn, assdrm i ysnuccugn idrimn, i mskit imrwasn, d usras g udvar i yfssayn imqrann, amccrmÄ g ugdz n tmqucca.

isggwasn imzwura ikkatin yusi tama-sayt g tslwayt isnuccgn idrimn d igudaz n tmqucca g 1998.

G briyl 2002, yavul d aslway amatu wis-sin i tayamunt lbank, adla izdin d umaÄal.

Yamu g kigan igrawn izdin s ussdrm usnfar ussdrm, dg ugraw asdram d ussiwy ivudan i ynzzivn.

Yiwid duktura ns g tdamsa zg tsdawit n lil.

ImqrAnn uSnuCCG

munir craybiAslway amatu amsdir i tguriwin n trbiot

Oumar taziAslway amatu amsdiwr i tmstut lmavrib

mupmd agumiAslway amatu amsdiwr izdin d umaÄal

mass munir craybi, Aslway amatu ams-dir i tguriwin n trbiot , ikccm vr BMCE Bank g 2010.

S uyad as yusi mas munir craybi as yusi tamasayt i wmuggu n tslwayin ti-tiknulujiyin, tizrfanin, timsmassin, anaw d usnuccg ubank n BMCE Bank.

g uyad aga amsggzdu i i yswngim istratijiyn, am uskkir usnay invmisn lbank am tuggiwin n twllafin amsggzdu isnayn n crmiÄ lbank d tmsnnirst (SY-BEA), asnam isnayn invmisn i tayawin ti-maÄlanin n bmCE bank d usmukkn i tadlwin usmijjl ubank.

Iga mass munir craybi anmvur ugraw adblan n BMCE Bank ivrman, tayawt isnuccugn taysi ivrman brra ussulv i BMCE Bank d anmvur ugraw adblan n damankac, tamqac-cut usmutty idrimn illan g lmavrib d ifvn vrs amsnaccag n BMCE Bank g 2014, s tmlda i msivt n yat tayawt tatiknulujit n trbiot, GNS atiknuluji.

iga tawuri ns g tizwiri n 1987, d anmvur usnfar n twllaft amsggzdu usnay n crmiÄ d imrwasn g lmavrib, d gr 1989 d 1994, inbÄ tayawt i wskkir d isnayn invmisn i wsggawr ussulv ifttasn.

g1994, iga aslway amatu i wsggawr n crmiÄ amswuri d ussmvr n twuri, dg 2001, iga aslway amatu i wbyyao anamur d tmsnnirst tanamunt.

G 2005, iga mass munir craybi wali i tsga mrrakc tansift lpuz, issn g tnbaÄ ns yan usmsi imqqur sumata ayn iz-din s usnuccg idrimn uçlign d uskkir isnfrn imqrann imskawn.

mass munir craybi, lajryun zg timl bulitiknik n bariz g lajryun zg tinml tanamurt tamajgalt i wmsawaä zg bariz. Tmmuc as lmadaya umnay n tglda g 2008. d tin lyubuld zg tglda n bljika.

mass Oumar tazi, Aslway amatu amsdiwr i tmstut lmavrib Inca mass Oumar tazi tawuri nsg ubank usmsi n kanada.

G 1992, isikkmt wafa bank ad ig amasay i wvarbu.

zg 1993 ar 2005, mass Oumar tazi ikc-cm g kigan d idvarr g tsntut tamatut lmavrib lbank ( SGMB), sumata d amasay i tslwayt imrwasn usnuccg idrimn , amasay n tratsa ussulv igudaz uçlign, imsmajjal d tmqucca, dart uyn d uslway amatu wissin lbank n tsbbabt.

G uzmz ad, yavul d admsan, anmvur wis-sin d unmvur i kigan n tayawin n SGMB, SOGECRIDIT, SOGEFINANCE-MENT d ACMAR lmavrib.

Zg 2005 ar 2010, tlla vr mass Oumar tazi yat tirmt g usays n tmssamunt d adblan- aslway amatu n trbiot AFMA.

G yunyu 2011 ayd ikccm mass Oumar tazi g trbiot BMCE Bank, iwcan yat tafssi i wsnuccg n tvawsiwin n tabbabt g lbank , s tizmmar d uccrmÄ ns. G 2012, yavul yat dart tayÄ, anbdad g ugraw n tipÄi n salafin d udblan amsdiwr n BMCE urums-majjal.

Yiwid mass Oumar tazi yat mastr g tussnawin tisdram zg tsdawit n cirbruk- kanada.

mass mupmd agumi, Aslway amatu ams-diwr n bmCE bank i tslwayt tamatut izdin d umaÄal.

Ikccm vr trbiot n bmCE bank g 2012,Äart i mayd iga tawuri g usg-gawr ussiÄn amaÄlan Peat Marwick(KPMG) g 7 isggwasn, llig iga acrmaÄ g ussiÄn d umgraw n tsntutin tisdram, ikccm urutarbiot g 1987, g yavul d amsdiwr g 1990, dar as amasay g wadla lbank d idrimn g 1997.

Zg 2006 ar 2009, iga kigan n twuriwin yasi timasayin g trbiot amrwas akrzan n fransa- CASA- ig aslway amatu amsdiwr n LCL- amrwas lyuni g 2006 d unb-dad g trabbut tamsnaccagt g trbiot n CASA ., ig altu tawuri g tstratijit d tslwayt n tzmmar. dg isnm LCL g tyssa tamsmakkant i trbiot amrwas akrzan d altu g usnay n tratsiwin usluz isakkamn lbank uçlig d tmqucca timqranin g tguri tamqrann ;

G 2008, yavul g ugnsu n trabbut tamsnac-cagt n trbiot CASA Äart i wsggzdu usmsi amaÄlan.

Zg 2010, yavul d anmvur amskan i trbiot uruba tayamunt n tsbbabt tarbiot- ECBG- d acrmaÄ g lbank n tvawsiwin, agraw n tstratijit, d ussiwi i PME, igan yan usnfar n trbiot- taganayt- igan win ugraw usnuccg gr uruba d lmavrib. d ntta ayd igan altu anmvur i tayawt ECBG illan g lmavrib itwassn s Finacing Access lmavrib.

mass mupmd agumi, yiwid yat tmnaggayt zg Essec (1979) yat DEA g tdmsa tamaÄant d ikunumitri(1980). d ucrmaÄ amssiÄn d yiwin tamnaggayt zg bariz (1993), issvra i sin isggwasn g Essec.

20 uSGÅAS n Tmvr G lmAvrIb d umAÄAm

Kanadaimarat taorabt

imunn

brïqiz

lmvrib

fransa

lalman

Italie

hulanda

sbanya

bljika

tiglda imunn

madagaskar

djibuti

itubya

kinya

ïanzanya

uganda

burundi

rwanda

burkina

fassu

mali

sinigal

tuns

nijir

binin

kuï dibwar

ïugu

vana

kungu

tadi-

muqraïit

tamsgdut ta-dimuqraïit

n kungu

Akccum vr 31 TmAzirT

ugAr n 1230 n TmqAccuT

ugAr n 5000000 umlTAv

ugAr n 12800 umssAmu

cinwa

TArbIOT TuçlIGT IGrAn IçurAn G lmAvrIb

• Abank wis 3 g umu ggu amatu, vr llan

ilan ugdz imrwasn d isuras n 14,3% d 14,2% yat dart tayÄ.

• Abank usnnirs wiss 2 vr illa umur

uskkir n 36,4%.• Amsnuccg wiss 3 inzzivn s yan

yili ugdz n 16,2%.

... TArbIOT ubAnK vr IllA urAOA S AmAÄAl

• Abank amzwaru g umaÄal, irçmn yat

tayawt g bariz g 1972 ;• Abank amvrabi amzwaru isrsin assa-

vn i GDR g 1996 ;• Amazan amzwaru akurburat g lmavrib

vr llan tmitar s udubiz (Eurobond) g 2013 ;• Abank amzwaru illan g 3 idvarr

isdram, tigmmi tumlilt, lundun, luksum-

burg ;

• Abank amzwaru irçmn yan umaris usnnb-

gu g bikin, g cinwa zg 2000.

... AbAnK ITTAwIn vr AfrIqYA

• tarbiot tisnat g afriqya illan g

udvar, illan g 20 tmazirt ivmsn i 4 zg

5 idvarr idmsann n tsga ;

• abank amzwaru illan g afriqya ddaw

n tiniri iddv inm ubank usmsi n mali

g 1989 ;• iga vas ntta abank amvrab illan g

afriqya uvlluy d afriqya tanammast ;

• kraÄ n tayawin tifriqiyn wassav :

bank Of Africa(asnam g 2008 ; yumçn ar

75%), abank usmsi n mali (asnam g 1983 ; yumçn ar 32%)

• abank akunguli (asnam g 2009 ; yumçn

ar 37%)

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TArbIOT ubAnK mI GÅudIn TwurIwIn, mI GÅudIn ISSGmAn, AmAÄlAn

lmAvrIb AmAÄAl

• lukasum 97,31%• Eurafric invmisn 41%• Agraw umcrmaÄ d usmsi 38,9%

TImSmAjjAlInTISdrAmICrmÄn

AbAnK n TwurIwIn

• BMCE uydda SA 100%• BMCE uydda burs 100%• BMCE uydda usnuccg 100%

• Salafin 74,76%• magribay 52,47%• lmavrib fakturing 100%• RM amcrmÄ 100%• Euler Hermes Acmar 20%

TIGurIwIn YAÄ

• Bank Of Africa 74,98%• Takungulit lbanka 37%

• lbanka usmsi n mali 37%

AfrIquESubSAHArIEnnE

• BMCE amaÄlan Ahuliding 100%• BBI madrid 100%

• BBI lundun 100%• BMCE urmsmajjil 100%

urubbA

TAmuT n BMCE Bankvr TInGIrI n mArS 2016

14,82% AmACCAÄ

9,55%TArbIOT

CDG

5,14%MAMDAMCMA

2,58% nOvOBAnCO

4,09%CIMR

0,51%SFCM

5,97%FInAnCECOM

29,83%RMA WAtAnyA

36,31%TArbIOT

FInAnCECOM

1,31% ImSwurAn

n BMCE BAnk

FinanceCom

Yat trbiot tamvra-bit tuçligt tamd-darout g lmavrib nn igran içuran g afriqya, illan g ki-gan isuyas n tguri s tdusi imqqur, lbanka, tamsnnirst, amsawaÄ,

RMA Watanya Anzziv ussavul g ugdz n tmsnnirisin d lbankat usnnirs, igan zg tmdduroa n tmquc-ca g afriqya waflla vr tlla yat tratsa usluz abaraw amsdus.

Tarbiot CDG

Amssulv amzwaru asn-taw g lmavrib d unz-ziv uassavul g usays anamur, xf twuriwin am ussdrm amatu ussulv, asnuccg n tadla…

BFCM n trbiot CM-CIC lbanka tiss snat us-dal g fransa, s tmsma-jjalt wugar n 13 umlyun imltavn, amzwaru n lba-nka tamsnnirst g fran-sa, amddarou iqariÄn d unzziv amjgal xf ugdz imswuran.

26,21%BFCM n TrbIOT CM-CIC

TASTrATIjIT n TrbIOT BMCE Bank

Istamma BMCE Of Africa asmsi ns, tastratijit ns g ugnsu d brra, llig istamma ahil urççum i tayawin g lmavrib igulan gr 40 d 50 n tayawt g usgÅas, dart i mayd ismun isuras d usdus yilan ugdz, d altu asbiru i tilit ns g umaÄal sumata g afriqya ddaw n tiniri s trbiot BOA, tarbiot usmsi n mali d takungulit ubank, g afriqya tanafllat, d asya.

d altu, tsydda trbiot xf usmsi i Core Business ns s yat tdusi usdvir xf ugdz n PME, asays iorrimn, tamltavt n MRE, d ifriqiyn izdvn br-ra(ARE), s tzmmart d tayawin tifriqiyn n trbiot . tilli d issufvn tiffar timaynu-tin ussili, igan tin tamut d ubank s uoraq.

Tasga Änin, tamma trbiot g ussvudi i tdusi ns tas-dramt d ikkan sumata, asarug i tzmmar ittwagn i wssulv ubank, asdus i tguriwin tinzraf timsnayin d usnam g trbiot g tmazirt d brra ns.

Faits Marquants 2015

• ASSAv AmAYnu I « Bank Of Africa » isdusan asa-qql afriqya n trbiot

• asfugla usgÅas wiss 55 i mskwit ubank d usgÅas wis 20 i tmgrawt BMCE Bank.

• alay i wydda n BOA s 75%, i wbank usmsi n mali s 32,4% d tkungulit ubank s 37%.

• asnam n Bank Of Africa g rwandan, d ikkan tayssa d agasik Bank.

• Asikm i mandarin g tratsa n tinmal Medersat.Com i tmgrawt n BMCE Bank.

• asbiru i tratsa n Medersat.Com s urççum n tinml Medersat.Com bni cigr n nadur d iddan altu ad isdus tilit n tratsa i tinmal g tsga

• tamut g tratsa n BMCE Bank, i tsmvurt tamzwarut g tmsnaccagt n afriqya( African Entrepreneurship Award), yakkan atig i yswngimn ivudan isnfarr g afriqya.

• BMCE Bank isti « abank anamun amasay usgÅas », g tskflt ns tis 9 i wmpzwar isnfarr g afriqya.

• TOP PERFOMER RSE yamun s bijyu i sfrt tis 2.

• amaç i tmsmvurt CSR taorabt awards 2015- tccuazugi umaris idrimn- igan vas nttat tamqaccut illan g bursa n kaza yiwin timsm-vurin xf ugar i 7 tvawsiwin yusin tamasayt tanamunt.

• timniggit ISAE 3402 anaw wis sin i BMCE uydda usnuccg yamun g umaris PWC d i sfrt tis 2 g upbubÄ umrdul g twuri n tpÄi.

RAPPORT

2015

2014 2014 20142015

+1% +3% -2%

2015 2015

TIYuGA TSdrAm TImSduSIn

Tayafut tazddagt ili n trbiot

Tzmmam tyafut tazddagt ili n trbiot arcco s +1% inmalan ar 2 umlyar udrham, mvar tggwz kigan tyafut n twuriwin ugdz s -45%.

Tanbdut tazddagt lbanka

Tuli tnbdut tazddagt lbanka amddukmu s tiwÄ +3% igan 11,8 umlyar udrham, iz-din s iskkin ur ilin ammnzav izdin awd ntta s tguriwin igudaz. Tuli tyafut tazddagt ili n trbiot n ubank n tsb-babt- tyafut tazddagt ili n trbiot amanzav- s 9%, sumata iddv tuli tama n tyufa s (+10%).Asggadi i wanaw issavul n trbiot s Core Business - tiguriwin timatutin n tyu-fa d imurr- igan tin 90% n tyafut tazd-dagt ubank amddukmu n trbiot.

Amuggu n trbiot

Atamma g walay i wankt umuggu n trbiot, s yan unzziv amatu yulin s +13% igan 279 umlyar udrham.

Iyddatn izddagn ili n trbiot

Asdus i tarsllt tasdramt llig tggafy s +6% iyddatn izddagn ili n trbiot s 17 umlyar udrham , g 2015 mnid i 16 umlyar udrham g 2014.

IYununn ImdduKmA

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TAYAfuT TAZddAGTIlI n TrbIOT

TAnbduT TAZd-dAGT lbAnKA

TAYAfuT TArZddAGT uSSulv

1,9 11,5 11,8 5 4,91,9

BMCE

BANK

OF

AFRICAtttttttttttttttttttttttttttttttttttttttttttttttt

ttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttt ttttttttttttttttttttttttttttttttttttttttttt tttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttttt

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Tayafut tazddagt tanamunt

Tggafy Tyafut tazddagt tanamunt s +8% igan 1304 umlyun udrham g 2015 mnid i 1204 g 2014.

Tanbdut tazddagt lbanka

uguz assas n Tyafut tazddagt tanamunt s -2,6% igan 5374 umlyun udrham, izdin s wuvul vr dart n tyafut i tguriwin igudaz s -45% d ikkan yan usgÅas 2014 uçlig s wuguz imurr, imunn kutwal s wamaç inmn i Core Business, s walay afssas i tama n tyufa s +8,0%, d uggafy d ikkan ilan s +13,3%.

Imrwasn d isrusn

Amaç i yilan ugdz s 60pbs imrwasn i tmltavt d isrusn n tmltavt igulan , yat dart tayÄ ,14,3% d 14,2 g tingiri n dujan-bir 2015.

PART DE MARCHE

PART DE MARCHé

2015 2014

AmATu IyddATn 14,23% 14,02%iynunn ucik 13,48% 13,14%iynunn imazzal 11,45% 11,71%iynunn xf warratn 14,62% 14,75%isrusn xf wanaw 16,38% 14,73%assavn iwdlan imaffavn 18,99% 21,65% ilAn iguDAz iMRwAsn n TMlTAvT

2015 2014

AmATu ImrwAsn 14,28% 13,62%imrwasn uçlignutci 20,35% 19,23%ivrman 15,00% 14,44%imrwasn i tmquccatabyaot 16,13% 15,08%tissi 9,23% 8,95%asrus ivrm 15,63% 15,12%imrwasn i tmqucca 20,23% 18,88%ussdrm

2014 2014 20142015

+8,3% -3% -1%

2015 2015

Iynunn InAmunn

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TAyAfuTTAzddAgT

TAnbduT TAzddAgT lbAnkA

TAyAfuT TArzddAgT ussulv

1,2 5,5 5,4 2,6 2,61,3

ili iguDAz isRusn n TMlTAvT

RAPPORT

2015

ArrA ASTrATIjI uSmSI 2012-2015

Yat tmsdust tamalavt iggafins sin yilan

• Tayafut tazddagt ili n trbiot iggafin s sin yilan igulan am 2 umlyar udrham, igan amur amggafy asgÅsan anam-mas-TCAM- n +23%.

• Tararit iggafin tamatart, s tyafut us-sulv ubank amddukmu zg 7,2% g 2011 ar 12 n 8% g 2015, s tgula ar nnag uswir n 12% igga warra astratiji usmsi d walli yugrr tanammast usays ubank.

Assmvr i tmsdust tamsmajjaltd tsbbabt

• Aggafy amatar i tguri ussulv ubank zg 2011, s tnbdut tazddagt ubank amd-dukmu yulin s tnammast n 10% i wsgÅas, inmalan aswir n 12 umlyar udrham.

• Assmvr i tmsdust tamsmajjalt, am uylli mi yga unzziv ussulv amddukmu tamatart, d iÄrn zg 63% g 2011 ar 58,7% g 2015, llig twaggn kigan n tzmmar usrar idrimn imatarr, igan win ugns d brra.

Asdus i wsays n afriqya itrbiot

• Iga BMCE Bank Of Africa, tarabut tisnat ubank llig illa g afriqya, ikcmn g 20 tmazirt ivmsn i 4 zg 5 isuyas idmsan irasall g tsga.

• Taratsa n tayawin n trbiot idusn xf tsga s smus mraw n tayawin g usgÅas, issilin ankt ns vr 1230 tayawt dg lmavrib 700.

• Asmsi amsdus i yddatn n tsbbabt s urççum i 2 imlyun uynun g tsga mayd lan 4 isgÅasn.

• ADN amsdas i trbiot ubank n afriqya :

s wis kraÄ n tyufa n trbiot inmn izdin s tguriwin g afriqya llig tuli tamut s usnay zg 2011 s +18% i wsgÅas .

Arra n urubba xf isunaf itmyart tanamt

• arra n urubba ; iagn dvi wis kraÄ wammasn wassav n trbiot, igan 9% n tyufa mnid i -1% g 2011, dart i 5 isgÅasn izlan zg mskiwt ns.

• Zg 2012 ayd tggafy tyafut tazddagt tanamunt n BBI lundun s 6 ar 7,8 umlyun £ g 2015.

TIYufA IllAn

BMCE

BANK

OF

AFRICA

20142011 2015

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TCAM* 11-15+23%

TAYAfuT TAZddAGT IlI n TrbIOT

850 1944 1956

* amur walay asgÅsan anammas

IYnunn ImdduKmA n TrbIOT BMCE BAnk( SumlYun udrHAm) 2011-2015

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20142011 2015

+10%TCAM* 11-15

TAnbduT TAZddAGT ubAnK

8 14011 497 11 817

20142011 2015

+8%••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••

TCAM* 11-15

AmuGGu AmATu

207 988247 243 279 422

RAPPORT

2015

ASnuCCG IrçAn

G 2015, istamma BMCE Bank tizmmar ns usdus i tpÄi irçan izdin s tguriwin ivudan usnuccg s usddukma i ysuyas imqrann igan tin trbiot d ubank.

mayd ila usgÅas n 2015, twaggn tguriwin idusn n tandha ussnfl. nga sumata accrmÄ inmn irçan umrwas, asnl umrwas amsfafa, arratn umrwas ihyyan ugar d isuras imcrmaÄ.

d altu lla twagga tarslt n tmssumant i trbiot g udvar, ar dvi ugar n 90% n tmssumanin i trbiot d ikkan 20 n tayawt n trbiot BMCE Bank.

d altu, itwannay i yaÄsfrt usnay wassav agnsawn, d aprruy irçan ittusnm s yat towalt usnuccg n tayamunin unbaÄ itwag-gan i wayd isbdadn irçan g udvar nsn .

G tayÄ,g usays ustamma usurif irçan ubank d usnam ns d tsrtit usnuccg irçan am uynna gan, ttuzmmin zg tsntutin unbaÄ ubank,gan 3 n tinaw i trabbut irçan, tasntut inmn i wgraw adblan d tinawt n trabbut uprruy d usnuccg irçan n trbiot d ifvn zg trabbut n tslwayt tamatut n trbiot.

Asxitr i wfrruy irçan

Asxitr i wmur watig irçan imddukma zg 1,3% g 2014 ar 1% g 2015 d ikkan taÄu-ri watig irçan s -19% igan 1,4 umlyar udrham .Asxitr i watig irçan igan win wamun s -17% s igula 955 umlyun udrham mnid i 1151 umlyun udrham g 2014.G yan usays nvd tabbayt usttur igulan 7,66%, igula umur usddam n BMCE Bank vr 6,59% g 2015.

Yat tarslt tasdramt iwddan

Tdus tarslt tasdramt n trbiot s uggafy tga +6% i yddatn izddagn ili n trbiot BMCE Bank, inmalan ar 17 umlyar udrham mnid i 16 umlyar udrham yan usggwas dat.

Atig usfsi- yat tallavt tanamunt- igan 12,6% ( +0,4 n tmqqit mnid i 2014). Atig wis kraÄ amzwaru yiwÄ yan uswir ama-jgal g wadda uzrf s 9,9%.

ASduS I TOwAlIn uSnuC-CG IrçAn

BMCE

BANK

OF

AFRICA

110

105

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95

9031/12/2014 28/02/2015 30/04/2015 30/06/2015 31/08/2015 31/10/2015 31/12/2015

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AGGAfY wASSAv n BMCE Bank

AGGAfY umuGGu SunZZIv

G 2015, yuli wassav n BMCE Bank i wnzziv usays ns s iÄr s am -2,73% s 214 ud-rham, mnid i -2,74 s 11230,25 n tmqqit i bacmark ns.Yavul mazi d madiks, vr dart , s yili

ns,n 7,22 igan 8925,71 n tmqqit d 7,49% igan 725,21 n tmqqit yat dart tayÄ.s tyafut itwannayn s unzziv usays i wrcco n +9,5%. I yili ns, mazi tiwÄ +5,6% d madiks tusi +5,7% g yan uzmz.

Isrs BMCE Bank dat imssamutn ns yat tsrtit ussynun d usmuggu amajgal.

2015 2014Imagrawn ufttuk 214 DH 220 DH

Asyidda n bursa ufttuk 38,4Mrd DH 39,5Mrd DH

Amajgal wakud 240 DH 225 DH

Amadda wakud 210 DH 201,5 DH

Imagrawn wammas inazgal 220 DH 212,6 DH

Tayafut n tguri +0% +7,6%

PER 19,6 20,3

Tayafut insdaln 2,26% 2,46%

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5DH

4,4DH4DH

3,3DH3DH

2012 20142011 2013 2015

InZZIvn IrASAl n burSA

BMCE BANKmazi

madiks

Anzziv lbanka

BMCE Bank G lmAvrIb

AGdZ wuçlIGn Tafssi tasbbabt tuncilt d isuras imsdusn

Pma ad ifdda usras illan xf isuyas n tmltavt wuçlign, kraÄ iskkin Ayd itwaggan i yorrimn g usgÅas n 2015, ad nini (i) imrwasn n tvuri istamman afrruy watign iççayn n ulmad, itwassn ugar s umrwas n tvuri, (ii) amrwas ulmad g brra issdramn ilmmudn timajgalin g brra d/ nvd irçan akw izrin ittusmuttuyn zg umaris usnfl d altu, takarÄa fliksi iorrimn isakkamn yan umrwas ittusn-fall itadjan iorrimn ad pÄun idrimn.

d altu, g 2015, lla yttawi ubank amsdduk-mu s ubyyao n takarÄa idrimn ns ilan ugdz, issalayn amïïar ns n takarÄa s ugar n 15% isfayn altu taduli umlyun n tkarÄa ufrruy n tsbbabt g tingiri n dujambir 2015.

Tiguriwin ad ttusdusnn s yat tafssi n tsbbabt, d yiwi ussufv amaynu tzugi n tkarÄiwin bryum itggin tadimuqraïit g ukccum vr tkarÄawin mi ymqqur wad-dad d twuri ns tanamant, s wanaw maÄlan.

G usays usmsi arugan i tguri abakamsn-nirs, d tamut d RMA Watanya, lla ttusmsayn isuras imaynutn . d altu, iola usgÅas n 2015 tanawt usras amaynu « Bank Assur’Auto », itwagn g nayr 2016, yakkan i wmltav azrf ad yasi amrwas g uzmz agzzal igan win usdrm i tmsnnirst n tmprayt d waddadn ivudan.

Iga usras ad ifddan ig uçlig g ugdz ubank yat tnbdut uzilal vr tmltavt ubank.

d altu, fvnt snat n tnbda timusnawin igan win imsmajjal, igan (i) BMCE Epargne n tnbdut n tmsnnirst xf tudrt g uzmz anammas d uvzaf , itadjan amsmajjal ad isnmn

aydda ns pma ad isvim i ybddi ns zg twuri mc iwssr d (ii) Sécuri Pro( asydda umugu g tnbdut), askkin mi gÅudin irçan umsmajjal yufrrun ignan asn itwagn i ymsmajjal d tmasayin umsnnirs g twuri tamsmajjalt nsn.

dg tguri n 2015, izmmim ubank amsnnirs yat talayt n +11,4% s wuïïun n tmssamu-tin d +11,9% i waynunn usnuccg s 2 umlyar udrham, s yan watig ushyyu ubank amsn-nirs iggafin vr 36,38% g tingiri n 2015 mnid i 31,3% yan usgÅas dat uynn.

AGdZ ImSmAjjAlAsmsi n tsbbabt

Yumç unaruz ugdz imsmajjal g usgÅas 2015 mayd ikkan imltavn imaynutn d ushyyu abaraw i tmltavt g yigr amsma-jjal d uçlig.

d altu, itwagg usras amaynu iskkin d imarisn itraran xf mayd ran imltavn imsmajjal s wanaw n (i) asnuccg akuyass i ynunn nsn s tadla( Bank Hissabi Pro, BMCE Forfait uçlig, BMCE Forfait Business d BMCE Forfait TPE), d tadla ubank amoraq (BMCE Direct Pro d BMCE Direct watign),(ii) asmsi i taysi ns d tuggi i ysnfarr uçlign s tadla imrwasn imsmussutn( BMCE Habibat Pro, BMCE Damane uzdduv d BMCE Conso Pro), (iii) tiwizi i mayd ran g ubyao s tadla imrwasn n tmsmajjalt itmmucan xf Damane Express, (iv) assdrm i wsnam n towalin usmsi i tguri igan tadla lyazing (BMCE Probail) d (v) ussmvr i tadla d ufrruy i yvnca d irçan imsmajjal d itkkin asras ubank usnnirs amfdda.

AbAnK wuçlIGn d ImSmAjjAl

RAPPORT

2015

BMCE Bank G lmAvrIb

AGdZ n TmlTAvT TuçlIGT Assmvr i wsras n tmltavt

G yigr n tguri « tamut tadrfant », tga tglda g 2014, iga altu ugdz n tmltavt tuçligt yat twuri ivudan s iga amz-day gr magan tayawt ubank . g warug ad , g 2015, itwag yan warra g udvar igan win tguri advar amnisti iswrllin xf ubrid n tçïïaï, s ussufv i yan umdala i tvuriwin iraratn izdin s unzziv asdram n tamutin, yan usras iskkin igan win yan i ynunn s tamut, asras ussdvar xf iynunn s udubiz igan win ïanja ufcur i tmltavt amnisti, d altu i wsnuccg d ussiwi n tutrawin imssamutn g yigr udvar amnisti.

Ittundh mayd igan tiguriwin imunn d rmA watanya. Imqqur usras uskkin n tml-tavt s mayd itwagn g udvar i wsras iskkin igan yan i ynunn n tamut,assuhin umdala usnuccg i warratn rmA watanya, nvd altu amssiwiy i tmqucca imcrmaÄ rmA watanya, g tsuraf n tsbbabt ns.

AGdZ InmuddA

G tguri n 2015, tzmmim tguri inmudda talayt ifssusn , g tga tmatart sumata mas yuli warra i ymvrabiyn izdvn g brra s 3%mnid i 2014, pma ad igula 61,7 umlyar udrham d talayt tafssast i ysrusn imvrabiyn izdvn g brra i wsnay ubank ismun am 8,6 umlyar udrham isrusn imvrabiyn izdvn g brra xf us-gÅas, talayt igulan +5,6% mnid i tingiri n dujanbir usgÅas 2014.

Xf yili ns,yuli mayd tsmun BMCE Bank s +16,4% mnid i wsgÅas izrin, yucan talayt i yili ugdz s +96 pbs.

G mnid uya,avuln ismuttuyn n g 2015, ubank vr 3182 umlyun udrham, yucantalayt s +10,5%, sumata s sift tamaynut i tguri n tsbbabt g tratsa n brra lli tt is-birun s urççum i 2 n tmqucca timaynutin g mulanbik d malaga, d altu s umaris usnnbju ns g abu Äabi.

Altu, dart i wsnnbju imvrabiyn izdvn g brra d ikccmn vr lmavrib g unbdu yad, itwagg yan uowal g udvar,sumata (i) assiwi imsnaccagn idrimn imvrabiyn izdvn g brra g lmavrib s ussufv i wsras « BMCE Bank Invest », askkin itraoan vrs imvrabiyn izdvn g brra ad smus-sun idrimn nsn g lmavrib d usdus i tzdayin tidmsanin d tsdram d tma-zirt wuçu nsn.iga uyad yan umrwas vr illa wakud anammas nvd avzaf itmmucan i tguri isnfarr imaynutn ussulv nvd isnfarr usxitr nna tgan imvrabiyn izdvn g brra g yigran usmukkn, s ima-risn izdin d tvuri, asnnbgu, d tfkka, d (ii) asvim i kigan inmuggar g tsga iqqarn imvrabiyn izdvn g brra ad myakkamn d inbdadn ubank d imcrmaÄ xf imal admsan, uluv d wanawn ussulv g lmavrib, tiwizi d ussiwi amatu i wssulv imvrabiyn izdvn g brra d, g tsga ussmvr issuluvn imvrabiyn izd-vn g brra g lmavrib.

BMCE

BANK

OF

AFRICA

ASmSI n TSbbAbT

Issufv BMCE Bank i ymltav ns Corporate d imvrabiyn izdvn g brra tiyufa ubank amnmala d ubank amoraq . s yat tratsa n tsbbabt wammas n tguriwin illan d ubank amqran n tmqucca, iga ubank yan us-ras asanam i yskkin d imarisn itmmucan i tmltavt n tmqucca, iskwan xf yat tuss-na inmn xf mayd ira ku amltav .

Iga ubank n tmqaccut imrwasn igulan ar 67,1 umlyar udrham g tingiri n 2015 mnid i 65,3 umlyar udrham g tingiri n 2014, llig tuli s +2,7%.

Igula wankt isrusn ubank n tmqaccut ar 27,7 umlyar udrham g tingiri n 2015, mnid i 23,7 g tingiri n 2014, iga alay amatar n +16,7%.

Iga usgÅas n 2015 tamatart s ismuttuyn g isnayn izdin s usnuccg g udvar i wsnay anbdad. Iga astay i sin imasayn usnuccg idrimn g tsga igan win warratn n tsga n tigmmi tumlilt tanafllat d tgmmi tumlilt tamazdart, d altu asras g udvar i yan ibrgmmi anabdad yusin tamasayt i wanaw admsan d win ussiwi.

Pma ad nkccm g mayd ira ubank s ittnmala vr tmltavt ns, twag tratsa n tmqaccut s urççum i kraÄ wammasn i tguriwin tistratijiyin, s yuli uynun i yan yili vr 33.

ASSIwI AmYAwAZ I wSmSI AKuTwAl

Pma ad izmmim g tstratijit ussiwi usmsi admsan akutwal, iga BMCE Bank ki-gan n tyssa d tssamutin g illa ussdrm, assiwi d tici idrimn xf ussulv g tzmmar timsdusin d tmsdusin tismay-nutin.

Zg tyssa timqranin xf ittusrs ikmz, tis igan tin 4 imsdrimn imaÄlan, BERD , BEI, KFW, d AFD, g 17 mars 2015 itwagn xf taysi usnmala MorSEFF( Morocco Sutainble Energy financial Facility) isrusan dat ufus iowall idmsann, igan asrus amfdda ussdrm i yan watig amatu n 20 umlyun E . tiyssa Änin itwagn su-mata d tayamunt ussulv tamsdust, tamsmu-nt tamvrabit i wsmukkn d tsbbabt i tprruyt d altu d tmsmunt tamvrabit i ysmukkun d ipruyn n mlsit igan sumata tamgrawt umnuggar d trbiot ufukus pma ad ittusikz i tmqucca waddur amsdus i tguri s tmsdust tamsmaynut d wankt issdrimn imsnamn.

G yan warra, issufv BMCE Bank yat trç-çumt s wassav n BMCE Cap tamsdust, igan tamzwarut g lmavrib pma ad issiwi i tmqucca g usnam i yskkin n twuri iviyn ad ipÄu tamsdust nvd altu ad ittusnuc-cg usmaynu ns g usays n tayawin usmukkn d usnnbgu s usikkm i yat tsurift ivudan tamsdust.

AbAnKn TmqACCuT

BMCE Bank G lmAvrIb

BMCE

BANK

OF

AFRICA

Asnaw i wsras uskkin

S taysi d umssamu g lmavrib igan PME, issufv BMCE Bank g yulyuz 2015, sift tamaynut i wahil IMTIAZ, mi yga wassav IMTIAZ- CROISSANCE. Sift ad tamaynut tiwid kigan igan amaynu itadjan timqucca ad asinn zg uhil.

G tayÄ, dart i wsnaw isuras ussdrm itwagn i PME, twagn g udvar sin iskkin ussdrm igan win ubyyao ddaw uswir amsnyuddu d tizwiri ufrruy i yskkin imsnuddutn.

G umnid, g usays wanam i tafssi usmsi n tsbbabt igan win iskkin d imarisn n PME, itwag g udvar yan wasay n tsbbabt i tratsa s tmgrawt nvd s tamut ubank g kigan igrwan am tskflt tis 2 n balma-ris tamaddast, asfsr i wsnuccg ddaw wayÄ i tprruyt ïanja, agraw n afriqya wasayn d usmissn, abulitic, amgraw PmE, midist lmavrib, midinit, Ener Event d Aerospace meetings tigmmi tumlilt.

Tamut ubank g kigan igrawn d ussulv igan tin brra, isxitirn advar n tdlwin d tzddayt tanammast d yits d grasn. Asdus i tamut d ubyyao anammas ntyafut

Tanbdut d ikkan tafssi imqqur n a i wankt n tyufa i wbyyao anammas n tya-fut-CCG, iga bmCE bank zg waflla abank amzwaru i ku tayafut inmn g 2015. G tsga yad, iga ubank wiss sin, s wankt içaçatn n tyafut d ikkan abyyao anammas n tyafut d wiss 3 g damane amcrmÄ.

Asgadi amzwaru amvudu dart i 3 is-gÅasn umgraw PME

Zg wufuv ns g 2012, ayd ixatr umgraw PME. 11 n tzugin ayd itwaggn, zg yulv 145 PME. Twag yat tçrawt yufan isd 82% n PME ayd izdin d uhil lla tsvima i ankt us-mutty mayd tla tguri n ku yass ns, d 91% ayd ittar altav g umgraw nitnti d yits n tmqucca asnn inmalan.

Tasbbabt n brra

Iga usgÅas n 2015 tamatart i tguri n tyufa n tsbbabt tanagzamt g tguri n tsbbabt n brra, asdus i tandha n tguri d wamaç anaman i wsnuccg n tsbbabt i tratsa.

G tsga n tsbbabt, iga ubank n tmqaccut tiyufa vr llan tmitar g yigr umoan icdran n tsbbabt n brra. S imci as gan inzzivn n tguri yad aggafy s +14% g icdran n uskccm d +31% g wufuv.

S mayd izdin d usdus i tmsdust agns n trbiot, twaggn kigan igrawn n twuri d inbadn n trbiot Bank Of Africa s tzddayt d umssamu lmavrib amssufv, yurzzun ad isxitr tiguriwin ussiwi i ymltavn g tsurifin nsn usmsi g afriqya.

Ayad ayd igan assufv n « Passeport Africa »yan usrus vr llan tsfras ntadla mi gÅudin imarisn itwaggan i ymltavn n BMCE Bank d Bank Of Africa d tguri altu d lmavrib amssufv i 2 sfrat g usgÅas g uzizzl n tguriwin i ymltavn ubank.

G tsga yaÄ, g usays usmsasa n tguriwin tinamanin n tsbbabt i tratsa, yamu BMCE Bank g kigan igrawn imaÄlan g lmavrib d brra ns. lla nsawal da sumata xf umgraw admsan lmavrib kuï dibwar illan g mrrakc, halyutis d agraw itwaggan g ugadir d altu amgraw ussamu fransa lmavrib g bursa i tsbbabt n bariz.

BMCE Bank G lmAvrIb

BMCE

BANK

OF

AFRICA

bmCE CAPITAl wAnAwnTiyuga izrin mayd itwinan

G 2015, gan tzmmar n BMCE Capital wanawn mayd isrusan ikmz xf ussmvr i i ssift tis snat xf waqrab trading iliktruni usnfl « BMCE FX-Direct », sumata s usnam inzzivn i tdmsa tamqrant d altu awrlli anaman i tguriwin ns xf uowal usnuccg kundur. G tsga yaÄ, yan uowal ussiÄn i P&L ittusnuccugn zg tba-dut tanamt ittusmsin.Altu, tga tadla tamaynut i tguri « asfsi atiknik » g udvar, iviyn ad ifk mayd inmn g imal i tissas n msivt d mnzit i watign s uyn s llan g bursa n tgmmi tumlil. d altu tiwi altu mayd ila usgÅas 2015, xf wufuv i tguri vr tlla tmatart g wassav. G uyad, ttusr-sin ikmziwn xf kigan n tyssa d kigan inbdadn ugdz.

G usays usxitr warug i tguriwin d imltavn , isrs BMCE Capital wanawn, g us-gÅas 2015, kigan isnfarn imswuran, am ussufv i wsnflul uowal usnuccg umltav udisk n tsbbabt bkustumr izdin tafssi icdran SRBM usdisk amsdram s udrham d usras g udvar i yan uowal ur igin imassn i tifrt kundur ittuzmmin g usnfar « Zéro-papier » i BMCE Capital.

BMCE uYddA n burSAIli ugdz amvudu

Awd g udz icqqan,iga BMCE uydda n bursa tamatart i tmsdust, s tgula yan yili ugdz amatu ivudan s 14% s tankti ta-maddazt itt12uzmmin g mayd igulan 12 umlyar udrham.G umnid, issufv iga BMCE uydda n bursa tiguriwin ussvbu, sumata s usras g udvar i yan usnay usnuccg anawan s wamaç i tmnaggayt ISO 9001 anaw n 2008 g ktubr 2015, astamma g usggzdu irçan d tirra i wsras n tsga amanaw i ymltavn imatutn ibrraniyn, imunn xf Brokerage d Custody.

BMCE uYddA uSnuCCGasgÅas amaynu n tyuga d tziz-zilt

g usays ugdz inmn, iga BMCE uydda usnuccg tamatart s tyufa munnin ns, s izmmim yat talayt tamatart n +27% i wnzziv ddaw usnuccg. Alay ad ikkad ugar i wsmuttr azddag i mayd inmalan 10 umlyar udrham, tamqaccut ilan addur ugar g usnuccg udvar.s usnam d isunaf ugdz, inmalan amuggu i wsmuttr ad itwagn xf iskkin yilan.

G umnid, dart i wsras inmn i yfssuyn ussdvar inakcamn i ymltavn ns, 5 iyddatn ayd ittusbbibn mayd ila usgÅïas 2015, igan ; FCP, uydda kumbu, FCB lmavrib amatu, FCP uydda ISR, FCP uydda afriqya d FCP uyd-da amsdrmugar.

G tayÄ, s ussufv i OPCVM usrig, iga war-ra n tyssa anazzal n OPCVM i tmazirt,iga BMCE uydda usnuccg g 2015 d amddarou i tzizzilt xf ugdz amvrabi. Assufv ad imund d udvar amaynu antirnit n BMCE uydda usnuccg, isrusan dat imltavn kigan invmisn imaynutn i yskkin n tsbbabt.

d altu issn usgÅas n 2015, kigan igrawn igan win usissn s tcrmaÄ d tyuga n tguri i BMCE uydda usnuccg. Zg uyad, llan (i) tmnaggayt ISO 9001 anaw n 2008 d ISAE anaw wis sing ktubr 2015, sumata tiyuga usnay usnuccg anawan d usnam uowal n tpÄi, (ii) ) azggi i wassav fitc ratings( Highest Standars(mar) », inmn BMCE uydda usnuccg i tazdgi n tmdla ns timajgalin d wanaw i ynavrayn ns, d altu (iii) assav amaÄlan amsmaynu « AF » yamun s unavray d Poor’s g FCP aydda istiggan anaw umrwas inzzivn illan g waqrab asdram.

AbAnKn TwurIwIn

RAPPORT

2015

BMCE Bank G lmAvrIb

BMCE uYddA uSnuCCG uçlIGAlay s yat tmsdust inmn

G usays i yan ugdz icqqan, yusi BMCE uydda usnuccg uçlig anzgum ad isdduk-mu, isxitr taguri ns. Tiyuga yad kkand tastratijit ivudan itwagn, incan xf wanaw i tzddayt umltav d wamaç g usras igan win ussiÄn i tmltavt n taysi d uzilal gr tadla iskkin tgin imarisn imsdusn.

Iga usgÅas n 2015 i tmatart ufdda i wowal kundur-kummandu, isnflulan i watign ikuyassn i waqrab asdram ddaw usnuccg d altu ddaw n tyuga.

G tingiri,llad ttawi tifrt i ymltavn asras i yskkin d imarisn ifddan,igan tamatart altu i tmagit inmn tamsksut i ynazzall.

G uzmmim iga g tstratijit yurzzun ad yili ugar g afriqya, ibiru usras imarisn g isuyas usnuccg uçlig i BMCE uydda usnuccg uçlig, ad igula tasga n afriqya s mskwit i BKGP amaÄlan.

BMCE uYddA uSqqIm2015, AsgÅas usggadi

S ugÅadi i tguriwin n BMCE uydda usqqim , ncan tguriwin usqqim xf kigan inzzivn usqqim ad, s mskwit d wanam d ukccum, i tmsmajjalin tuçligin, assdrm usnfar g yigr i kigan n twuriwin itwagn i wynun n BOA uydda g afriqya ddaw n tiniri.

Kigan n tguriwin usnay ayd ittuncun g 2015, am usras g udvar i wowal usnuccg i ynazzall d ussiwi i tguriwin illan, afdda i warra asntutan n BKC d ussdvr i tmsdust n tsbbabt s kigan tayawin n BMCE uydda .

d altu , yuca usggzdu i wmltav kigan n tyufa, illan g mskwit i tayawt n tnazzalt d trabbut illan yad, isndn xf yan uowal iviyn ad issiwi i tnazzalin d tguriwin isull.

BMCE uYddA wASSAvnAmaç i Tyufa tinamanin

G usays ugdz icqqan, gulan inzzivn n tpÄi n BMCE uydda , igula 196 umlyar udrham , igan aswir g ikka walli usgÅas n 2014, s yan yili ugdz izggan g 27% , ar stamman g uxitr nsn s umur n tmvr inmalan 90 umlyar udrham g tingiri n 2015,s tuli vr 13% mnid i tguri izrin, s yat tyafut n 12% .

Ila ad nisin, is iga uynun iyddatn ittus-rsn ugar n 83 s 15 iyddatn imaynutn illan g usgÅas ad.

BMCE uYddA REsEARCH

Istamma BMCE uydda RESEARCH tizmmar ns pma ad isxitr assdlis ns s awanaw d wankt s yan umsggzdu amaynu ilulan s us-biru i wvamis ns g igudaz yaÄ n afriqya.

G uswngm ad ,sumata, ayd illa vr BMCE uydda RESEARCH yan waddur g tmsdust g kigan isunaf n twuriwin n BMCE uydda g usays usnflul azrfan d ugar, i tmdda ussiwi anagar.

Iga litmutif Änin n 2015, s mayd ivudan, asmukkn inmn i tguri d, imsasan d tstra-tijit n afriqya « GINA » i trbiot BMCE uydda. Assdvr, iga, g uya, win isunaf n tayawin n trbiot, iltvn g usnfar n afriqya usnnirs Network-ASN, llig gulan is-sufuvn mayd inmn g magan tamazirt llig lluzn.

BMCE

BANK

OF

AFRICA

mAvrIbAY

G 2015, yuli usnflul n mavribay vr +5% llig igula ar 3209 umlyun udrham, d ikkan ugar aggafy n +24,6% umrwas bay ivrman.

S tirmt g twuri ns inmn zg ugar i 40 usgÅas, s yamu g trbiot BMCE Bank, as issilin atig ns i wssdrm i tiklit yaÄ d tsbbabt g iskkin ns,d usdus i yfssayn irçan d usxitr i yvmmusn, yuli yili ugdz n mavribay s 100 n tmqqit wallav s 23,8% g tingiri n 2015, yumç advar ns d unbdad wiss 3 n lyazing ugdz.

Iga usgÅas n 2015, tamatart i mavribay s mskwit ns i sukursal g ïanja fri udvar dart i wsmsi ussdrm i lyazing udubiz brra n tfgurt i ynbdadn idmsann illan g kigan idvarr ufcur.

sALAFIn

G 2015, igula usnflul amatu n salafin vrs aswir imzggi (+0,4%) ittusmsasan d tgu-ri n 2014, llig igula ar 1178 umlyun udrham, s tyufa yili ugdz i ymrwasn uçlign, yiwÄn 11,2% g tingiri n 2015 mnid i 10,6% g 2014. d altu iwÄn imrwasn uçlign vr +18% igan 387 umlyun udrham.uli uzizzil isdram i tayawt umrwas wutci vrs 2359 umlyun udrham g tingiri n 2015, yulin s +2,1%, d ikkan ugar alay inmn n +9,7% i ysmuttur imrwasn uçlign g usays s -2,7%.

G tsga n twuriwin tisdram, izmmim salafin aggafy amatar n +14,7% i tnbdut tazddagt ubank, llig yiwÄ 354,5 umlyun udrham, d ikkan axitr anaman i tsunaf s uyn s llan.G umnid, tga tyafut tazddagt tamatart i wggafy s +18,5% s tgula vr 125 umlyun udrham.

lmAvrIb fAKTurInG

ffir i mayd iddan g yits n tyssa ufrruy dg tsga usggzdu irçan, gan iynunn n twuriwin n lmavrib fakturing yat tmatart tarazggal.

Asddukmu i tguriwin n tsbbabt i tumrt d tzizzilin i twuriwin timaynutin g usays i yat tstratijit usggadi izdin ugar d PME/PMI.

RM TICrmAÄ

S yat tandha iskwan xf tsrtit usdus g usays i yat tstratijit, igan g yat tiklit tanamant d tamsnamant, gulan tgu-riwin n RM ticrmaÄ, mayd ila 2015, yan uswir uggafy amatar igan asggzdu inmn i wsggadi d tguriwin uvmmus.

Tussna yad ayd igan sumata, tlla g uss-maynu i tmnaggayt ISO 9001, ffir i wssiÄn ikkan g tayawin n RM ticrmaÄ g 2015, isnin adla usnivs « Zéro écart » d win « Zéro point faible ».d altu, ixxitr usnay invmisn n RM ticr-maÄ pma ad ig altu yan usnuccg afssas d unamar i wnvmis irar xf mayd nra d uynna ran imltavn.

G uyad, gulan wmaçn iyddatn g 2015 vr 601 umlyun udrham mnid i 497 umlyun udrham llig ulin s +20%.

TImSmAjjAlIn TISdrAm TICrmAÄ

BMCE Bank G AfrIqYA

Afriqya tanaddat

Afriqya tanafllat

Afriqya tanammast

Afriqya unqqr

Afriqya uvlluy

djibuti

Kinya

ïanzanya

uvanda

burundi

rwanda

nigir

Tasgdut

tadi-

muqraïit

kungu

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zabil

Sinigal

mali

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madagaskar

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bInIn1989aynun n tayawin : 45

BMCE BANK SA lmAvrIb1959aynun n tayawin : 671

TunS2006Axis Capital

djIbuTI2010aynun n tayawin : 7

burundI2008aynun n tayawin : 21

uvAndA2006aynun n tayawin : 35

ïAnZAnYA2007aynun n tayawin : 23

KInYA2004aynun n tayawin : 42

BOA-rwAndA2015aynun n tayawin : 13

burKInAfAS-Su1987aynun n tayawin : 45

Kuï dIbwAr1996aynun n tayawin : 28

vAnA2011aynun n tayawin : 23

mAlI1983aynun n tayawin : 52

BDM SA mAlI1983aynun n tayawin : 42

nIGIr1994aynun n tayawin : 25

BOA-ïuGu2013aynun n tayawin : 8

SInIGAl2001aynun n tayawin : 33

BOA-RDC2010aynun n tayawin : 10

TAKunGulIT ubAnK2009aynun n tayawin : 19

mAdAGASKAr1999aynun n tayawin : 90

ITubYA2014amaris usnnbgu

TArbIOT TIS 2 n AfrIqYA G wAKAl

kuï

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BMCE

BANK

OF

AFRICA

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AbAnK n AfrIqYA

G yan usays amjwr, iga BOA kigan n tyuga n tsbbabt d tsdram inmn g wassav i tguri n 2015.

Asmsi amswizi i tguri n tsbbabt

G yigr n tsbbabt, tsnm trbiot BOA yan usmsi amswizi i yddatn n tsbbabt ns.S utwag(i) i wrççum n +469712 i ynunn imaynutn issilin uïïun iynunn vr tanila n 2,7 umlyun uynun g tingiri n 2015(+21,4%), (ii)aowal ivudan i tmltavt,(iii) ajwr i trat-sa ubank s +34 n tayawt issilin uïïun amatu n tayawin vr 495,(iv) d altu asmvr i ysrusn d imrwasn imddukma yan dart wayÄ,s +16,5% d +11,8%.

Ankt ubank n trbiot BOA igula vr 5413 yan g tingiri n 2015 mnid i 5074 yan g usg Åas izrin, igan asikm azddag i +339 umssamu.Igula umsttf anammas iyddatn 4,4 umlyar uru g tingiri n 2015, s talayt n +13,1% mnid i tingiri n 2014. Tiyuga yad kkand sift ivudan iyddatn igan (+266 MEUR) llig izri yili 51,2% g 2015 mnid 51% g 2014.

Izri umsttf anammas n twuriwin 2,8 umlyar uru g 2014 s 3,1 umlyar uru g 2015, alay igan +12,9%. d awd yili usmutty amatu iÄr imik s 71,7% g 2015 mnid i 72% yan usgÅas izrin. S +19% pma ad yali vr 7,2 umlyar uru g tingiri n 2015 mnid i 5,8 umlyar uru g tingiri n 2014, yakkan timitar i tafssi ivudan i mayd igan tayawin ubank.

Tiyuga tisdram tinamanin

G usays usdrm, tzmmim tnbdut tazd-dagt ubank amddukmu n trbiot BOA yat talayt n +13% pma ad iggafy vr 440 MEUR g tingiri n 2015, d tnzv tnbdut usdvar (+25,6%), tama n tyufa (+8%) d usnuccg ivu-dan i tnbda usnfl d ikkan yan umuniuring inmn i tslwayt tasdramt.

2014 2014 20142015

+13% +15% +14,4%

2015 2015

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TAnbduT TAZddAGTlbAnKA

( S umlYun)

TAYAfuTTArZddAGT uSSulv

( S umlYun)

TAYAfuT TAZddAGTIlI n TrbIOT

((S umlYun)

388 161 49 56,2185440

TIGurIwInG AfrIqYA

Tanbdut tazddagt

lbanka 45 %

Imrwasn n tmltavt

24 %

Amuggu amatu 29%

Isrusn ntmltavt

31 %

Tayafut tazddagt ili n trbiot

31%

Ili n afriqya ddaw n tiniri ginzzivn n trbiot bmCE bank

Tlla g 20 n tmazirt Allaz g 4 n tsggiwin tidmsanin g tsga n afriqya

ugar i 560 n tayawt g afriqya ddaw n tiniri

Tanila n 3 umlyun umltav g afriqya ddaw n tiniri- brra lmavrib

RAPPORT

2015

BMCE Bank G AfrIqYA

BMCE

BANK

OF

AFRICA

ulin irçan imatutn ussulv vr 271,7 MEUR g tingiri n 2015, alay igan 11%, isikmn assmvr i wnzziv ussulv s 61,7% g tingiri n 2015 mnid i 62,9% yan usgÅas izrin.

vr tingiri, Tzmmim tyafut tazddagt ussulv i trbiot BOA yan uggafy s +15% igan 185,6 MEUR g tingiri n 2015, llig tg-gafy s +14,4% mnid i wzmz ad g usgÅas izrin, igan ROE n 15%.Tiwi tzmmart tasdramt n trbiot BOA xf uggafy n +40% i watig azddag irçan s 72 MEUR d, unzziv uvmmusn d Writte- Off ivudan.

d altu, g 2015,tbiru trbiot BOA, s ukccum iga g rwanda s uzdday d ubank arwandi Agaseke Bank, anabdad i ymrwasn mççiyn, yavul dvi iga BOA- rwanda.

Takurburat unbaÄ g tguriwin ivudan

G yan usays usddukmu i wsnam amsttan i BOA g ugnsu n trbiot BMCE Bank Of Africa, d fir i wsnam asikkm i tstratijit usddukmu i trbiot ubank mi gÅudin twuriwin, vr tlla tmatart tamaÄlant d tzizzilt n afriqya, isdus ubank tizddayin tistratijiyin d imssa-mutn inamurr d imaÄlan wassav, sumata s usras ikmz vas dvi xf tmzdayt d trbiot saham iran asnnirs iyddatn d tcrmaÄ, dart i wssuhin d usfsus i wkccum inamurr n afriqya g imarisn isdram ubank d tmsnnirst.Iga usqqim adblan altu i trbiot BOA mass brahim bnjllun- twimi, Asntaw aslway amatu amasay n trbiot BOA. Issi-li mass amin buobid Asntaw aslway amatu i trbiot ad.

TAYYAwIn ÄnIn n AfrIqYA

TAKunGulIZT ubAnK

llig issili BMCE Bank aydda i tkungu-lizt ubank s 37%, imdduroa i tamaut imrwasn g kungu d ubank amzwaru g tmazirt s tratsa n tayawin digs illan, yiri ad yavul abank arasal g ddaw n tsga afriqya tanammast.Atwag , s tzddayt d mavribay, i yat tayawt n lyazing dart i wssiwi i tamut n tmltavt LCB Bank g isnfarr ns usmsi d usdrm ussulv, yakkan timitar i tmsdusin gr trbiot g afriqya.

AbAnK uSmSI n mAlI

tuli tyafut tazddagt ubank usmsi g mali s kraÄ yilan s 23 umlyun E, isikmn talayt tazddagt i ROE, llig tgula yan uswir ivudan s ugar i 26%.Asddukmu i wnbaÄ d unhil i yan usqqim adblan amaynu d wassav i trbiot usnuc-cg tamaynut.

BMCE Bank G urubbA

BMCE

BANK

OF

AFRICA

BMCE BAnk AmAÄlAn n mAdrId

G yan usays igan tamatart s tavult i tdmsa n sbanya, iggafy BMCE Bank amaÄlan n madrid s tiggiwin n tsbbabt d tsdram amvud g tguri n 2015, s walay amatar i wankt i ynbda ns isdram d imugga g tingiri n 2015, +44% i tyafut tazddagt, +39% i tnbdut tazddagt ubank d +56% i tya-fut tazddagt ussulv , +30% i wmuggu amatu, +10% iyddatn izddagn d yan ROE s 14%.

Tiguriwin ad n tsbbabt ayd igan tiyufa i wsras n tstratijit iskwan xf usddukmu i tzddayin i Correspondent Banking, tamut i tguriwin timaÄlanin i tnmhalt , asmsi n ts-bbabt d iynunn imqrann n sbanya d urubba, asmsi n cross-selling, d altu asggadi akalan i yrçan.G umnidn issmvr BBI n madrid tizm-mar ns timsmajjalin, d yiwin yat talayt i wnzziv ussulv igulan 27% g tingiri n 2015 mnid i 35% g 2014, igan -8p%.

bmCE bAnK AmAÄlAn n lundun d bArIZ

G yan yigr amaÄlan igan tamatart s ussiwi i wggafy admsan, tasant tamqrant ugdz n afriqya, tirçi wa-tign iskkin imzwura d mayd yavul

zigs xf tsdrimt n kigan n tmizar n afriqya, sumata g ussufv ubitrul, iga BMCE Bank amaÄlan Plc lundun yits n tyuga n tsbbabt d tsdrimin inmn s wassav i tguri n 2015.

ugar, tuli tyafut tazddagt ubank s +16,2 umlyun £(M£) g tingiri n 2015 mnid i 14,1 ME g tingiri n 2014, aggafy igan +14,6%, d +12,7% g TCAM 2013-2015 , tayafut d ikkan astamma i wsmsi n tsbbabt g ku akal d yigr waqrab idrimn i tzmmar d altu tin usmsi n tmsdusin, d tayawin n trbiot BMCE Bank Of Africa.

Tuli tyafut tazddagt altu vr 7,8 M£ g tingiri n 2015, s uggafy n +36,6% mnid i tingiri n 2014, igan 2,8 n tiklit zg tyafut tazddagt itwagn g 2013, igan ROE n 16,6% mnid i 14% g 2014.

G umnid,izmmim BBI Plc n lundun tizwarrin timsnawin ilan addur igan asggadi iyddatn ussdrm, asnuccg amajgal i yilan usizzl d ussuhin, d altu asdus i wnbaÄ agnsaw.

BMCE BankG urubbA

RAPPORT

2015

BMCE Bank G ASYA d mIrIKAn TAnAfllAT

BMCE

BANK

OF

AFRICA

TArATSA uSnnbGu G bIKIn

G tguri n 2015, istamma umaris usnnbgu n BMCE Bank g bikin asmsi i twuriwin ns d tmujjal ns s issgmi i tdiblumatit tadmsant,sumata mskwit i i tzddayin tidmsanin d usnfl i ynvmisn gr inbdadn n snat n tsggiwin , asya d afriqya.

d altu, twagn kigan igrawn d imssamutn icinwiyn issawal xf isnfarr imqrann g lmavrib izdin d isuyas n tmsdust tamsmaynut ; gaz, cima d tayawt bnumatik.

G umnid, s tzddayt d China Africa Joint chambr of commerce and industry-CAJCCI-, twagn kigan inmuggar d umazan lmavrib d win cinwa, tayawt tamvrabit usmsi ussulv-AmdI- d tmqucca ticinwiyin , llig gan awttas i tmivr n twizi g tsbbabt d usnuccg idrimn gr tmqucca timvrabiyin d ticinwiyin.

ugar, istamma umaris usnnbgu asksu ns vr tinamt tamaÄlant i trbiot BMCE Bank pma ad yamu g igrawn idmsann, sumata, (i) China Overseas investment New Forum, (ii)Sino African Entrepreneur Summit n mrrakc, (iii) afwar INTERTEX-TIL s tamut i yat tyamunt tamqrant ddaw n tmsayt lmavrub amssufv , d altu (iv) World Tourism Cities Federation s tamut i ONMT.

Yamu umaris usnnbgu n bikin awd ntta, g yigr n tmsdust tagnsawt, g usras udvar i tzddayin umazan Correspondent Banking d China Industrial Bank d CITIC Bank.

tlla ad tsnuccg tarbiot g cinwa, d s wassav ad, lla ttamu g kigan n tguriwin isgman tarbiot g tmazirt usnnbgu.d altu, tzdduvt tga imssamutn isggawn

icinwiyn ara sn takka akw invmisn xf tmazirt ussikm nvd n imssamutn vr tlla tuluvt tadmsant inmn.G 2014, tga tzdduvt usnnbgu n BMCE Bank g bikin yat tyssa d CAJCCI s wamu g yan ugraw g nayr 2014 g tzdduvt n CCPIT, ittbdadn xf tmqucca ticinwiyin ussulv g lmavrib, d yamu g tguri CAIM g briyl 2014.

TAZdduvT uSnnbGu G KAnAdA

S tyssa n tamut illan g mars 2014 gr BMCE Bank d umussu wurtan, iftk BMCE Bank yat tzdduvt g munryal dart i mayd ikka inmala kigan i ymvrabiyn izdvn g ufttas n mirikan.

Tayssa ya tudja BMCE Bank ad imyaway d imvrabiyn izdvn kanada, inlmadn d ims-sulvn ku yass, s trarit xf mayd urzzun, d ussufv idrimn s yat tvarast içill, iddrfn tnnirs.

Altu, snat ad n tmnaÄin srsin yan usrus n tsbbabt tamatut, sumata inmn itwaggan i ymvrabiyn izdvn brra d inlmadn.

BMCE Bank G ASYA dmIrIKAn TAnAfllAT

TAmASAYT TAnAmunT d umrdul

BMCE

BANK

OF

AFRICA

TAmGrAwT BMCE BAnkTiyufa timajgalin i tutlayin yaÄ

G ukccum ulmmud 2015/2016, itwalls i yd-lisn n tmazivt ttusmun i tiklit yaÄ,d altu titiknulujiyin timaynutin unvmis d umsawaÄ-nTIC- ttuskmnn i tuluvt, am iyddatn iynunn s tmazivt issufv usinag agldan i tussna tamazivt-IRCAM-G umnid, tavuri n mandarin, asnfar igan tayafut i tzddayt d tmgrawt d tmazant n cinwa g lmavrib, twagnn g 3 n tinmal, igan tinml wald loarbi, tinml wapdana g nadur d tinml n buskura g nwasr.

TArATSA MEDERsAT.COMasbiru d usnam

g 2015, masst taslwayt n tmgrawt s tamut uslway anmvur n BMCE Bank d kigan inbdadn rçmn tinml Medersat.com bni cigr g nadur. Tinml ad ayd isdusan tilit n tratsa Medersat.com g tsga.

TIZmmAr IndAn I wmrdul

Tsdus tmgrawt tizmmar i wmrdul s usikkm i wsnfar ussiwi i 3 n tinmal g usnay ulmmud amswlaf i tzugi tamaynut, igan timn n buskura, timnl bni cigr d tinml laozib.

d altu, g 2015, snat n tinmal Medersat.com zg 5 n tmstayin, ayd yiwin tamsmvurt « Eco-Ecole », tinml almanar d tinml almasqa, issilin altu aynun n tinmal n

tratsa tsnm tmgrawt mupamd wis sÄis i wsmsi g 5 n tinmal : bgdur, almanar, almasqa, laozib d tarmigt.

AfAfA AçurAn

G 2015, kigan wussan imaÄlan d inamur ayd ittusfuglan g kigan n tinmal n tratsa medersat.com imsasan d warratn d iddan xf wussan itwaggan g tinmal n tratsa.

ugar uya, iga 2015 tamatart i tamut g ulambiyad n tifinav g 4 ar 8 vuct 2015 g tafrawt, llig tiwi advar wis 3 g tmurt.

G tingiri, amun icirran n tratsa Me-dersat.com g tfugliwin sumata tin 20 usgÅas i tmgrawt BMCE Bank d usgÅas wis 50 n BMCE Bank d tanamt xf tguri tanamunt i tmgrawt BMCE Bank.

TIYufA ICIrrAnivudan kigan

G mayd ila usgÅas ulmmud 2015/2016, iwin icirran ittlmadn g tinmal n Medersat.com tiyafutin ivudan kigan g usays uzzray d wamaç n tmnaggayin i tingiri ulmmud amnzu d awd uswir ubakalurya. Asfsi i tyufa yad, lla yakka timitar i wlmmud ivudan nna tga tmgrawt, d altu, am 1096 icirri g 50% n trbat ayd izrin zg ukulij g usgÅas ulmmud 2014-2015.

TAmGrAwTBMCE Bank

RAPPORT

2015


ASmSIAKuTwAl

AdvAr AnAmAnG ussdrm akutwal

llig yiwÄ tizggi inmn, ihrra BMCE Bank ad igr içuran g tzmmart ns tanamunt d umrdul g isikkm anaw admsan ad virs, s tvarast tamsggzdut « irçan ».

d altu, ismala BMCE Bank i tayawt wassav amaälan VIGIO iskkin idusn tga ADN ubank, igan : tumrt tamqrant i tamut, azrkti i tlilli g tmsmunt d uzrf umdiwar ama-gwan, assmvr i wmsawal anamun, azrkti i tyufa imltavn, tamut g tvawsiwin vr llan tyufa timatutin, anbaÄ, d usnuccg umrdul( ittuswizn s tmnaggayt HQE iga CERWAY).

G 2015, tga tzmmart tanamunt tamatrt s usmsi, s tayawt BMCE uydda usnuccg, i 1 OPCVM ISR g lmavrib, ifkan altu atig i yigr ad pma ad yamu g uswngm g iyd-datn imasayn. G ugar uya, s usras ikmz xf tmzdayt tamzwarut i tsga SEMED, d BERD, BEI, AFD d KFW, i wsdrm n tmsdust takutwalt g mars 2015, d BMCE Bank iga yan unbdad ubank amaqqan igzdun vrs adrim akutwal.

ASSdrIm AmZwAru AmASAY AKuTwAl I wgdz ubank amvrabi

dart i wzmmim itwagn zg tnbdut Cap- Energie ittusufvn g tingiri 2014 g yigr uhil MorSEFF, BMCE Bank amddukmu zg BERD, igan yan wanaw g tsga MENA.G 2015, tzmmim tsanaft yan yili usnuccg n 88%, 175 umlyun MAD, d altu kigan warratn ayd illan g ubrid i wankt n 115 umlyun udrham.

TAmudduT TAmAYnuT TAmAÄlAnT

Ifdda BMCE Of Africa tastratijit ns usmsi akutwal s yat tvarast n RSE tamsdust , as yakkan ad tawÄvr ugar i tzmmar tizrfanin d tmaÄlanin d yasi d wanaw best performers g umaÄal.

Yavul usikkm i kigan n twuriwin n tmqac-cut g tsurift ad , ismutty abank ad imvr Socially Responsible Bank Of the year g 2015, zg African Banker, yawi tamsmvurt n arabya CSR awards 2015- tazugi imarisn isdram-, d altu iga vas ntta tamqaccut tama n bur-sa n tgmmi tumlilt yiwin atign imqqur kigan g 7 n tvawsiwin n tmasayt tanamunt.

BMCE

BANK

OF

AFRICA

ASSIwIi wsmsi n tguriwin

G 2015, tuca 153 n tvbalut tamaynut am mraw mi yga wuçu win afriqya ddaw n tiniri, ikcmn vr ubank pma ad zggan tazdgi n tguriwin n tsbbabt d usdus i tms-majjalin tizrfanin- g ugnsu n tgmmi taymmat d g uswir n tayawin- d altu i twuriwin wadal.

ASmSImi ttawsn tcrmaÄ

13650 J/h usmutty( vs9563 g 2014), ayd ibd-dan g 2015, ivmsn i 43% imssamutn ubank. Addur n tguriwin usmutty , inmala 60%, itwagn xf twuriwin ubank (mnid i 47% yan usgÅïas dat uya), ittuÄfarr s ussiwi i ymswuran imaynutn (18%) d ismuttuyn izrfann(10%).

dart uya, ikccm am 58% imssamutn vrs ismuttuyn E-learning, ammas impÄi d udm-san pma ad ttusluzn wanawn izdin sumata d wanawn izrfann, crmiÄ usnnbgu,…uma asmutty amnaggay , am 70 umssamu ag äfarr kursus ITB d brubi ubank.

TASddI TAnAmunT IZGGAn

S umsasa d umssamu anamun, twagn tgu-riwin iran ad isnm imswuran d tussna imssamutn, isnuccugn altu yan ifzwi anamun amatu mi yga usmsi anagan.

Itamma usxitr i tmsdust usnnbgu i wammasn usgunfu g uzmz ad, s usras ikmz xf kuç mraw n tmzdayin n stan-ding.

Am uyn imyar, isvim usqqimu BMCE Bank ki-gan n tguriwin tidlsanin d tin waddal i ycirran imssamutn, sumata, tinml n taou-mt, uçawan, nvd altu tifawin ittusviman i ycirran ifukall.

Iga usgÅas ad tamatart i waway n tmsmvurt wurv n BMCE Bank tamqaccut tar tabava », ittinin is yusi ubank tamasayt s ur ttili tbava g wansiwn n twuri.

Itwagg yan usissn xf wankt imssamutn n BMCE Bank. d umur n tamut igula 49%( vs 32% g 2011) d umur usgadda amatu yiwÄ iggafy ad yawÄ 71% g 2014 mnid i 59% g 2011, d yiwin tizmmar iviyn ad issili tanawt n tudrt g tsntut.

ASSmvr ITAmmAn I YmSwurAn RH

Twassn tguri 2015 s usmaynu i tmnaggayt n tguriwin RH s uyn s d tdda tzraft ISO 9001 s Zéro Ecart. tipÄi tiwi vr kigan iskkin idusn am (i) açaça usnuccg i ws-ras d usnam d ussmvr usnay usnuccg i tanawt, (ii) asggzdu umltav d ( iii) afaris uowal usnuccg i wsnfar amata.

AYddAIwdAn

RAPPORT

2015


TAmuT TAmqrAnTg usmsi adlsan d anamun

Addur n tçuriwin d tmyurin, igan askkin inmn taysi tadlsant d tdlsa tamaddart g lmavrib, ayd ayd yudjan BMCE Bank ad yamu g upbubÄ s twiziwin ggudinin g igdudn, wg usggaid igan advar unmuggar n tmizar g usg-gadi nsnt d tayssa i tdlsiwin g mas bÄant .

d altu, tga tguri 2015 tamatart i twizi n tskflt tis 18 g ugdud gnawa d içawann umaÄal g swira d uçawa amaÄlan, taskflt tis 21 g ugdud n fas içawann amajgal umaÄal , taskflt tis 12 g ugdud Timitar tissaf d tdlsiwin g ugadir , d tskflt tis 15 i wgdud amaÄlan usaru.

G umnid, iswizi BMCE Bank timsmunin d inbdadn inamunn inamurr d irar xf kigan n tvuriwin g yiws i kigan n inmuggar, pma ad ipÄu tayafut tamatut, Tiwizi yad tga iwcan, msivt i tmatigin ( ylahan, imnsiwn d iwizn n taymmat tamswazt).d altu iga tamssumant ad yaws d yasi tamasayt tanamunt d tin umrdul, s tguriwin tinamunin,Yiws i tskflt tis 8 n tdlsa tasufit(amssdrm), tamsmunt » lmavrib, akkiwn d izrfan » i wsmun idrimn issufuvn asaru amarraw xf lmavrib izrin s tmlda n tanawin (amssdrm ivudan) d uswizi asdram i wssufv udlis antulujya n gnawa tssufv tmsmunt yrma gnawa i wsmvr d ussufv i taysi tagnawit.

Am tskflt tis 2 i simbuzyum n Com Sup xf tvawsa sift n tmdint izdin s umussu, taskflt tis 3 kaza facyun cuw, igan tin mlsit tamaÄlant g lmavrib, taskflt 1 Tous au Parc, taskflt 1 usqqim ifukkal g lmavrib (Pack Confort), taskflt 1 uobar anduru, azray i Cape xf ussufv amaÄlan g milan 2015, d tskflt tis 5 i Road Show « Geat Business Days ».

Yamu altu ubank g kigan ihil am « afttas azddag » s ibddi atiknik nna yga d ussdrm iran assmvr d tazdgi d usvim i ygrawn g ifttasn igan tin tyamunt harhura.

TISddI TAYddAlT tasaylalt

Istamma BMCE tamut ns g usmsi ayddal s twizi ns i kigan igrawn igan win waddal, s isbdda altu tawllaft ns ubank amaÄlan , issiwin i tumrt lmavrib g usays ad.

G tsga yad, istamma BMCE tiwizi ns g 2015, , jit ski umgraw rbaÄ burgrag, takadimit mupmd 6 i tcamma uäar, tafidiralit tagldant waddal wajgall s tici idrimn ku asgÅas.

d altu, isbdda i tskflt tis 42 n trufi pasan 2 n gulf, taskflt tis 3 n trufi gulf usays n usmukkn n tprruyin « Driver Cup », taskflt tis 2 ukccum n gulf agrwalimun tir, ilahan n gulf irpal rbaÄ Golfing Society, d taskflt tis 6 i mrrakc tasmvurt tamqrant « azzal n tprruyin timaÄlanin mulay lpasan », il » taymat tadlsantahan n tinis d tamad-dalt i ysiggizn-ACSA- » g tgmmi tumlilt, d taskflt tis 5 inmuggar imaÄlann n bridj g mrrakc.

TIlI TAmSduST G isfsar d inmuggar idmsans

G mayd ila usgÅas 2015, irar BMCE Bank xf kigan n tvuriwin pma ad yamu g yits igrawn imqrann, yamu g tskflt tis 10 i wsfsar amaÄlan n tkrza g mknas « SIAM », taskflt tis 2 usfsar anamur uzmmur, taskflt tis 13 i wsfsar amaÄlan i tayawt n ivçaçn d taddalin « SIFEL », taskflt tis 12 i wsfsar amaÄlan i ayt isufar « Officine Expo », taskflt tis 16 usfsar igan usuji Expo 2015, amvrabi Dental Meeting, taskflt tis 3 usfsar Aerospace meeting, taskflt tis 9 usfsar amaÄlan usidd, asfafa, ifïïiwjn d tgdda usmukkn « Elec Expo 2015 », taskflt tis 7 i wsfsar amaÄlan i yrukutn d tiknu-lujit d imarisn umrdul « Pollutic Maroc 2015 », taskflt 1 agraw n afriqya usmutti d towalit « CATL 2015 », g usfsar n tvrma « SAKANE Expo », taskflt tis 2 d 4 i ysfsarr n karfur n tsggiwin d uzdduv d tskflt tis 6 g usfsar n ïalian i usfsar yklan d tiknulujit « Medinit Expo 2015 ».

TIZddAYInTISrTAnIn

BMCE

BANK

OF

AFRICA

Abank umaris i tzugi n tmawast g afriqya

Tamsmvurt d issufv unmvur n trbiot BMCE Bank Of Africa, g nwanbir 2014 g unmug-gar amatu Entrepreneurship Summit g mrrakc , iga Entrepreneurship Award mas va issmvr tamawast g afriqya, g ustamma g unzgum anamun n trbiot. S udrim igulan 1 umlyun udular, lla yssdrim isnfarr ivudan n tmawast g afriqya vr tlla sift takutwalt.

G 2015, tzri tmsmvurt ad g afriqya ad tsnm am 5000 umstay illan g tmizar n tsga d altu ifriqiyn g dyasbura d, g ustamma i i kigan zg due diligences d yat tmiÄi ussigi xf isnfarr g ud-var g 8 tmizar, gan trbbao n tmsmvurt.

G tingiri i tskflt 1 ad, 10 d imhrran –zg 34 inggur- ayd yamun g tmsmvurt n 1 umlyun udular, g 3 n tzugiwin n tmsmvurt, illan g tvri, amrdul, d usays ur ittu-sulvn. fvnt tmsmvurin s idrimn nsnn zg 25000 dular ar 150000 udular.

G 2015, itwag yan udvar g antirnit i tmsmvurt ismunan kigan iskkin izdin s uya, s 4 tutlayt ( tanglizit, tafransist, taorabt d tbrï qizit). d altu, illa yan warra wib i ymyawasn, d tiram nsn g iskkin am wid xf nsawal, ara sn yakka kigan invmisn d tswngimin d tcrmaÄ asn isnivisn tawngimt mayd tla twuri nsn. d altu, ulvn imstayn n tskflt tamzwa-rut zg yat tawssna tuçligt mayd tla tmvrt d usmsi i tmqucca nsn..

aFriCanEntrEPrEnEursHiP aWarD

2013 2012Euros Dollars MAD var 13-12 MAD

2015 Asnfl 2014uru dular Adrham 15-14 Adrham

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

250 273 2 700 82% 1 485

tificay i tsntutin uspayl immerwasn 2 272 2 474 24 495 28% 19 190imrwasn xf tlttavt 10 510 11 446 113 329 14% 99 394imzemmn umsaraf d uswuri 2 358 2 568 25 430 -12% 28 819imzemmn ussnbdu 518 564 5 588 33% 4 187imzemmn n tamut d isnuccugn immerwan 810 882 8 736 29% 6 795ivrman ur isttan 43 47 464 0% 466ivrman isttan 410 446 4 418 99% 2 222iskkin Änin 192 209 2 072 14% 1 817amuggu iskkin 17 364 18 911 187 232 14% 164 573

tutrawinimrwasn i tsntutin uspatl d ummerwas 2 898 3 156 31 244 91% 16 382isrusn n tlttavt 11 240 12 242 121 206 10% 110 102imzemmn n tficay ittusufvn 877 955 9 455 -31% 13 735iskkin impÄan d irzén 45 49 483 18% 409imrwasn imÄfarn 761 829 8 207 30% 6 303iyddatn uzlégn 1 317 1 435 14 203 4% 13 692tutrawin Änin 226 246 2 434 -38% 3 951amuggu n tutrawin 17 364 18 911 187 232 14% 164 573

assiÄn n tyafutTama n tyafut 320 348 3 446 8% 3 191tama xf idrimn 85 93 917 13% 810tayafut i tguriwin ugdz 66 72 716 -45% 1 299azddag ibÄan 27 30 295 21% 219asnbdu azddag lbank 498 543 5 374 -3% 5 519imigan i ysirawn isdramn 35 38 379 3345% 11irzén imatutn i wssulv 303 330 3 263 8% 3 028tayafut tamatut i wssulv 239 260 2 578 -1% 2 606tayafut timzggit -82 -89 -881 -36% -1 373tayafut ur yuzzil 29 32 318 27% 251Tayafut tazddagt 121 132 1 304 8% 1 204

ili n taramt zg 31 dujambir 2015uru/ adrham : 2015dular amirikani/adrham : 9,9008

TAGurI TASdrAmT TAmuHAnT

2013 2012Euros Dollars MAD var 13-12 MAD

2015 Asnfl 2014uru dular Adrham 15-14 Adrham

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

965 1 051 10 403 4% 9 967

iskkin isdramn illan s watig izggan 2 389 2 602 25 760 -10% 28 610inzivn isdram illan i mnzit 635 691 6 846 40% 4 891iskkin isdramn xf tsntutin uspayl d ummerwas 1 945 2 118 20 971 30% 16 073imrwasn d tficay xf tlttavt 16 070 17 502 173 280 12% 155 153iswuriyn itwamzén ar ttuommr 2 278 2 481 24 559 35% 18 153timésriyin i wswuri 281 307 3 035 263% 835ivrman isttan 604 658 6 516 11% 5 847tisbdda ur isttan 65 71 703 -6% 744imgzall n msivt 79 86 852 2% 832iskkin Änin 602 656 6 496 6% 6 138Amuggu iskkin 25 913 28 223 279 421 13% 247 243

tutrawinimrwasn i tsntutin uspatl 4 746 5 169 51 176 54% 33 143imrwasn i tlttavt 16 531 18 004 178 255 11% 161 269imzmmn i tficay ittusufvn 832 906 8 968 -32% 13 170iskkin i tipÄi d irçan 60 66 651 24% 523imrwasn imÄfar 801 873 8 639 27% 6 795iyddatn uçlign 2 050 2 233 22 110 6% 20 803ili n trbiot 1 578 1 719 17 022 6% 16 064tiyufa i wis idrusn 472 514 5 088 7% 4 740tutrawin Änin 892 972 9 623 -17% 11 540amuggu n tutrawin 25 913 28 223 279 421 13% 247 243

assiÄn n tyafutTama n tyafut 792 863 8 541 10% 7 743tama xf idrimn 181 197 1 951 2% 1 914tayafut i tguriwin ugdz 61 66 653 -45% 1 194azddag ibÄan 62 68 672 4% 646asnbdu azddag lbank 1 096 1 194 11 817 3% 11 497irzén imatutn i wssulv 581 632 6 261 7% 5 828imigan i ysirawn d tadlwin 62 68 672 1% 666tayafut tnzdagt ussulv 453 493 4 883 -2% 5 003atig impÄi 134 145 1 440 -19% 1 778tayafut ussulv 319 348 3 444 7% 3 225tayafut dat n tnfult 335 365 3 616 9% 3 324tanfult xf tyufa 89 97 961 52% 632tayafut tazddagt 246 268 2 655 -1% 2 692tayafut brra n trbiot 65 71 699 -7% 748tayafut tazddagt ili n trbiot 181 198 1 956 1% 1 944

ili n taramt zg 31 dujambir 2015uru/ adrham : 2015dular amirikani/adrham : 9,9008

TAGurI IdduKmAn

Documents

Agmmur - BMCE Bank · Agmmur AwAl unmvur mAyd illAn g ugrAw AdblAn TisfrAs inmvurr usnuccg AvArAs n TrbioT bmce bank TAsTrATijiT n TrbioT bmce bank TimiTAr illAn TiyufA n TrbioT