In order to consolidate its reputation and image, Attijariwafa bank has been a forerunner when considering the ethical issues and the various risks inherent to its operations and their strategic implications. To this end, starting from 2004, the Group has set up an ethics system through a set of codes of ethics that incorporate rules and principles of good conduct and professional ethics, which serve as an internal reference framework and a bedrock of values that all the Group's employees must follow.
Attijariwafa bank has developed a methodological approach through different codes of ethics to guarantee respect for the rules of integrity, business loyalty, and transparency. These codes provide a reference framework with a preventive purpose for the Group's employees when performing their duties. They lay down several general principles in terms of ethics and practices, resulting not only from the application of regulatory texts, but also from the Group's values, governing attitudes and professional conduct, both inside and outside the institution.
This ethics system, managed by a Group Ethics Officer, ensures compliance with financial market regulations and professional standards at the Group level. The approach guides employees' practices in carrying out their functions and specifically stipulates Attijariwafa bank's commitments in terms of setting an example and conducting business and dealing with its stakeholders in an ethical manner, in line with its CSR policy. Beyond the ethical aspect, Attijariwafa bank's policy in terms of Corporate Social Responsibility (CSR) and sustainable development indeed represents an important driver in the Group's development process and sound growth.
These commitments are reflected in the sharing of essential values, such as: (i) maintaining the highest standards of integrity and ethics; (ii) ensuring professional and respectful conduct towards our clients, partners, and colleagues; (iii) taking particular care in the transparency of operations and in combating and preventing corruption in accordance with the "zero tolerance" principle; (iv) adequately managing risks and exercising continuous vigilance in this area; and (v) complying with all applicable laws and regulations, in Morocco as well as in the countries in which we operate.
All codes of ethics and policies, in particular those related to the Anti-Corruption Management System, are supported by an appropriate and targeted change management program for employees (communication, awareness-raising, and specific training).
A professional whistleblowing system is in place, enabling any case of violation or ethical concern to be reported to the Group Ethics Officer, as the designated Group Ethics Focal Point.