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La banque est une entreprise de services qui exerce son activit en faveur

de sa clientle dans plusieurs domaines.Chacun de ces domaines doit tre


gnrateur de rentabilit :

Elle collecte des ressources,


Elle acorde des crdits,
Elle met disposition des clients des moyens de paiement contre
paiement de frais,
Elle effectue en faveur de la cientle de prestations de divers
services (change, banque distance..)

La rentabilit de la banque se situe principalement dans les frais perus,


les commissions et les marges sur taux dintrt.

Cest une socit anonyme au capital social de : 1,93 milliards de dirhams


et dont le sige social est Casablanca qui est dirig par Mohamed El
Kettani.

Avec plus de 8,1 millions de clients et 17 367 collaborateurs, cest une


banque multinationale panafricaine.

Le Groupe se donne pour priorit la proximit avec ses clients et les met
au cur de sa stratgie via son ambitieux programme de bancarisation et
ses efforts dinnovation continu. En plus de lactivit bancaire, le Groupe
opre, travers des filiales spcialises, dans tous les mtiers financiers :
assurance, crdit immobilier, crdit la consommation, leasing, gestion
dactifs, intermdiation boursire, conseil, location longue dure,
factoring

Dot dune assise financire solide, dun capital de savoir-faire diversifi et


doutils dexpertise modernes, le Groupe demeure le leader national
incontest des crdits lconomie avec 264 ,4 milliard de dirhams
accords la clientle, des activits de service bancaire et de banque
dinvestissement, de la gestion dactifs et des mtiers de la bourse, du
leasing et de la bancassurance. Attijariwafa Bank est bas au Maroc
dispose dun rseau large avec 3844 agences au total dont 3122 situent
au maroc, 222 agence au maghreb,324 agence en afrique de louest , 106
agence en afrique central et 70 point de vente en europe (France,
Belgique, Allemagne, Pays bas, Italie et Espagne) ,ce dense rseau a
permis au groupe dtre le premier collecteur dpargne avec un total de
dpt auprs de la clientle de 280,4 milliards de dirhams.
Le produit net bancaire est augment de 3,5% en atteidant 10,1
milliard de dirham. Le rsultat net est de 3 % milliard. Le cot du
risque est de 0,79 %.

The presentation that I will present to you today is about the


performance indicators in a bank I will take the case of attijariwafa bank,
but before this I want to define a bank and I will tell you the activity of a
bank.

The bank is a service company which carries out its activity in favor
of its customers

It collects resources,

It makes credits,

It makes available to customers means of payment against


payment of expenses,

It acts in favor of the customer of services of various services


(exchange, remote bank ... ..)

The bank's profitability is mainly in fees, commissions and interest


rate margins.

Attijariwafa bank is a public limited company with a registered


capital of 1.93 billion dirhams and headquartered in Casablanca, which is
headed by Mohamed El Kettani.

With more than 8 million customers and 17,367 employees, it is a


pan-African multinational bank.

The Group priorities proximity to its clients and puts it at the heart of
its strategy through its ambitious banking program and continuous
innovation efforts. In addition to banking activities, the Group operates
through specialized subsidiaries in all financial sectors: insurance, real
estate, consumer credit, leasing, asset management, stock exchange
intermediation, advice, long-term leasing, Factoring...

With a solid financial base, diversified know-how and modern


expertise, the Group remains the undisputed national leader in lending to
the economy with 264.4 billion dirhams granted to customers , Banking
and investment banking, asset management and the stock, leasing and
banc assurance businesses. Attijariwafa Bank is based in Morocco and has
a broad network with 3844 agencies in total, including 3122 in Morocco,
222 agencies in the Maghreb, 324 branches in West Africa, 106 branches
in Central Africa and 70 points of sale in Europe ( France, Belgium,
Germany, Netherlands, Italy and Spain), this dense network allowed the
group to be the first collector of savings with a total deposit with
customers of 280.4 billion dirhams.

The net banking income is increased by 3.5% reaching 10.1 billion


dirham. The net result is 3% billion. The cost of risk is 0.79%.