bmce bank of africa, a group resolutely … · bmce bank of africa is a leading pan-african...
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BMCE BANK OF AFRICA, A GROUP RESOLUTELY COMMITTED TO SUSTAINABLE FINANCE
BMCE Bank of Africa is a leading pan-African financial services group. It is a universal bank with a highly diversified range of operations including retail banking, commercial banking, investment banking and specialised financial services, such as leasing, factoring, consumer
credit and debt recovery.
BMCE Bank Of Africa has embarked on a strategy of organic as well as acquisition-led growth aimed at expanding its coverage in Africa through Bank Of Africa Group, Banque de Développement du Mali and Congolaise de Banque and in Europe through BMCE International Holding, which brings together the two European subsidiaries in London, Madrid and BMCE EuroServices, a payment institution serving the Moroccan and African diaspora. The Group also has representative
offices in Asia, North America and United Arab Emirates.
A LEADINGPAN-AFRICAN BANKING GROUP
Operations in 32 countries
More than 13,000 employees
More than 2,300 points of sale
More than 5.5 million customers
A UNIVERSAL AND MULTI-BRANDBANKING GROUP
MORE THAN 55 YEARSOF CONTINUOUS GROWTH
1959 : BMCE Bank established1965 : Opens a branch in Tangier Free Zone1972 : First Moroccan bank to start overseas operations after opening an office in Paris1975 : Listed on the Casablanca Stock Exchange1988 : Maroc Factoring established1989 : BMCE International starts operations in Madrid1994 : BMCE Capital Bourse and BMCE Capital Gestion established
2007 : BBI London starts operations2008 : Acquires a 35% stake in Bank of Africa Group2012 : Strategic development Plan 2012-2015 launched2013 : BMCE Bank raises its stake in Bank Of Africa Group to 72.6% Issues a USD 300 million Eurobond on the international market2014 : Representative office opened in Canada Two BMCE Euroservices branches opened in the Netherlands (Rotterdam and Amsterdam)2015 : BMCE Bank Of Africa adopted as the new company name to reinforce the Group’s African profile Raises its stake in BOA Group to 75%, in Banque de Développement du Mali to 32.4% and in La Congolaise de Banque to 37% African Entrepreneurship Award inaugurated2016 : New Strategic Development Plan 2020 launched
1995 : Bank is privatised1996 : GDR issued on the London market - USD 60 million1997 : Salafin established, a consumer credit company1998 : BMCE Capital established, the Group’s investment banking arm2000 : Representative offices opened in London and Beijing2004 : First ever non-European company to receive a social responsibility rating in Morocco2006 : Axis Capital, the Group’s Tunisian investment banking subsidiary, starts operations
1959 - 1994From
a state-ownedbank…
2007 - 2016…and fast-becominga multinational group
1995 - 2006…to a universalprivate sector
bank…
OTHER
INVESTMENTBANKING
BMCE Capital SABMCE Capital BourseBMCE Capital Gestion
SPECIALISEDFINANCIALSERVICES
SalafinMaghrebailRM Experts
Maroc FactoringEuler Hermes Acmar
Eurafric InformationLocasom
CID
INTERNATIONALBank Of Africa
La Congolaise de BanqueBanque de Développement du Mali
BMCE International HoldingBMCE EuroServices
BMCE BANK SARetail & Corporate BankingCapital Markets Operations
BMCE BANK OF AFRICAAROUND THE WORLD
A F R I C AMOROCCOBENINBURKINA FASOBURUNDICAMEROONCONGO BRAZZAVILLED.R. CONGODJIBOUTIETHIOPIAGHANAIVORY COAST
KENYAMADAGASCAR
MALINIGER
RWANDASENEGALTANZANIA
TOGOTUNISIAUGANDA
EUROPEGERMANYBELGIUM
SPAINFRANCE
ITALYNETHERLANDS
PORTUGALUNITED KINGDOM
NORTHAMERICA
CANADA
ASIACHINA
UNITED ARAB EMIRATES
ADOPTING A STRATEGIC POSITION IN SUSTAINABLE FINANCE
• First Moroccan company to issue « Green Bonds » to finance eco-responsible environmental projects• BMCE Capital Gestion, the first Moroccan asset management company to have launched a Socially Responsible Investment (SRI) fund• BMCE Bank committed to introducing new credit lines for resource optimisation and management, including a water solution to help finance industrial wastewater treatment and a green solution to finance Morocco’s circular economy in solid waste management• Signs the first ever partnership within the SEMED region with the EBRD, the EIB, the AFD and the KfW to finance sustainable energy• Successfully launched Cap Energie in late 2014 within the framework of the MorSEFF programme - Morocco Sustainable Energy Financing Facility
STRATEGIC GOALS ALIGNED WITH THE GROUP’S ENVIRONMENTAL AND ENERGY STRATEGY
1. Comply with regulatory environmental and energy-related requirements2. Take into account environmental criteria in financing activities3. Promote sustainable finance including Green Business4. Prevent and limit environmental pollution and reduce consumption of natural resources5. Continue to improve energy performance6. Develop an “eco-friendly” culture and employee behaviour7. Promote responsible procurement and energy savings8. Promote “sustainable construction”
The same year, BMCE Bank of Africa joined the "Mainstreaming Climate Action within Financial Institutions" initiative, officially launched on December 7, 2015 at COP21 by the EIB and 25 other financial institutions.
They are 5 voluntary principles to ensure that Climate is at the heart of all operations, to switch to a low-carbon economy and managing climate risks in the future.
mprove climate performance
CLIMATE IN EVERYTHING WE DOThe EIB and 25 other Financial Institutionsare standing together to ensure that climate
is at the heart of all operations.Together we are improving the effectiveness
and impact of our climate action!
I
M
P
A
C
T
anage climate risks
romote climate smart objectives
ccount for climate action
ommit to climate strategies
urn the talk into reality
SUSTAINABLE DEVELOPMENTINTEGRAL TO THE GROUP’S CORPORATE STRATEGY
BMCE Bank of Africa is strongly committed to promoting sustainable and positive impact finance, consistent with international standards in sustainable finance. BMCE Bank of Africa has acquired a reputation as the market leader in this area, driven by a conviction that the financial sector has a fundamental role to play in sustainable economic development.
As a pioneering bank, it was the first financial institution in Morocco to sign the United Nations Global Compact in 2016. The Bank has already incorporated into its day-to- day business all ten fundamental principles which underpin the Global Compact in areas of human rights, labour, environment and anti-corruption.
KEY DATESIN SUSTAINABLE DEVELOPMENT
• Retains its ISO 14001 certification• Best CSR Arabia award in the Partnership category• First Moroccan bank to publish its Sustainable Development & CSR report in accordance with the Global Reporting Initiative (GRI)• BMCE Bank rated by Vigeo for social responsability
• BMCE Bank named “Socially Responsible Bank of the Year”, for 2012 at the African Banker Award• Launches ENERGICO• ISO 14001 certification renewed for all the Bank’s activities
• Signs the Equator Principles• Committee member of Miroir Maroc, ISO 26000 standard on social responsibility
• First Moroccan company to obtain a social responsibility rating in the area of human rights and social responsibility from Vigeo, Europe’s leading agency in social responsibility ratings
• Adopts an environmental management policy within the Bank
• HQE certification awarded by Cerway to BMCE Bank Academy of Africa• Inaugural African Entrepreneurship Award• Morocco Sustainable Energy Financing Facility (MorSEFF) launched• FCP Capital ISR launched by BMCE Capital Gestion• Top Performer, CSR Morocco awarded by Vigeo which also included BMCE Bank in the Euronext‐ Vigeo Emerging 70 Index• Best CSR Arabia award in the Financial Institutions category• Signs the EBRD-UNEP Declaration of Financial Institutions on the Environment and Sustainable Development
• Named Top Performer CSR, Morocco by Vigeo• Obtains ISO 14001certification for the Bank’s entire operations: 1st Bank in Morocco and MENA region• The first Equator Principles report is published online
• Signs the Declaration of Financial Institutions on the Environment and Sustainable Development under the aegis of the United Nations Environment Programme (UNEP FI)
• Bank privatised• BMCE Bank Foundation for Education and the Environment established
• Establishes a Social and Environmental Management System (SEMS) in partnership with International Finance Corporation (World Bank Group)
2015
2016
2014
2012
2010
2004
1998 - 19991995
2000
2008
2011
• Named Top Performer CSR, Morocco by Vigeo• BMCE Bank shortlisted in the Sustainable Bank of the Year - Africa /Middle East category of the FT Sustainable Finance Awards 2013
2013
• First Moroccan company to issue « Green Bonds » to finance eco-responsible environmental projects• First bank to obtain ISO 50001 Energy Management certification and determination of carbon footprint for Moroccan activities• Best CSR Arabia award in the Financial Institutions category• 2nd African Entrepreneurship Award• Morocco Sustainable Energy Financing Facility II (MorSEFF II) launched• First financial institution in Morocco to sign the United Nations Global Compact
BMCE BANK FOUNDATIONA SOCIALLY RESPONSIBLE BANK FROM THE MOMENTIT WAS PRIVATISED
MEDERSAT.COMPROGRAMME KEY FIGURES
Established in 1995, BMCE Bank Foundation promotes education in rural areas through its Medersat.com programme as well as contributing to environmental protection.
The Medersat.com programme aims to combat illiteracy, make it easier for children in rural areas in Morocco’s sixteen regions to gain access to schooling, support innovation in teaching methods so as to improve the educational system at the pre-school and primarily school levels.
BMCE Bank Foundation for Education and the Environment also assumes responsibility for its decisions and actions and the impact that the latter have on society and on the environment, resulting in a series of practical initiatives which benefit rural areas.
BMCE Bank Foundation action is also entirely consistent with the National Initiative for HumanDevelopment. Particular emphasis is placed on community development by promoting, in particular, income-generating projects and providing drinking water and electricity to village communities under the Medersat.com schools programmes.
177units specialising in
pre-school and primaryeducation, covering all
16 regions of theKingdom of Morocco
1built and fully-equipped
training centre forpre-school teachers
in Bouskoura
108multi-media
rooms built and equippedwith the latest technology
6 000pupils pursuing
secondary studies
BMCE Bank Group allocates
4%of its gross operating
income to its Foundation
10 000pupils currentlyregistered and18,500 pupils
schooledsince 2000
4schools in Africa,
including 2 in Senegal,1 in Congo Brazzaville
and 1 in Mali
450teachers,
48% of whomare women
• Social innovation through a “‘school for life’’, promoting a values system based on tolerance, modernity, openness, solidarity and progress
• Environmental protection by providing electricity and drinking water to villages
• Undertaking large-scale projects in relation to adult literacy, health and physical education, raising awareness about personal hygiene, farming techniques and promoting sport
• Promoting income-generating activities, such as micro-credit for the benefit of village communities – families and their neighbours – whose children attend Medersat.com schools
• Overseeing a programme to equip schools with next-generation solar photovoltaic systems
• Carrying out not-for- profit initiatives aimed at reducing air pollution from vehicle emissions
• Restoring and enhancing exotic gardens such as the Bouknadel exotic garden
• As many as 9 Medersat.Com schools have obtained the « Eco-school » label by Mohammed VI foundation for Environment
COMMITMENT REITERATEDTO ENVIRONMENTAL CAUSES
BMCE BANK FOUNDATION’SAWARDS AND DISTINCTIONS
2015
2013
2000
2014
2012
2016
Dr Leila Mezian Benjelloun decorated as Commander of the Order of Wissam Al Arch by His Majesty the King Mohammed VI for her active commitment to social action through the Medersat.com programme
Bridging Leadership Award by Rockfeller Foundation, in tribute to the initiatives of the Medersat.com programme over the past 15 years in building and managing community schools in rural areas in Morocco and elsewhere in Africa
BMCE Bank Foundation’s status is confirmed as an advanced laboratory for the education system for innovation in teaching methods’ with Chinese language teaching introduced in partnership with the Confucius Institute
The Chairperson of the BMCE Bank Foundation for Education and the Environment receives the Merit Award of Amazigh Culture from the Royal Institute of Amazigh Culture (IRCAM)
Medersat.Com pupils obtain the 3rd prize at the National Olympiads of Tifinagh, held in Tafraout
Medersat.com receives the World Innovation Summit for Education Award from the Qatar Foundation, in partnership with UNESCO, in recognition of its unique educational project
The Foundation program accredited by the UNDP - United Nations Development Program - as an example of public-private partnership
The African Entrepreneurship Award was inaugurated by BMCE Bank Group’s Chairman Othman Benjelloun, in November 2014 at the Global Entrepreneurship Summit in Marrakesh. With an annual USD 1 million prize money, the Award is intended to promote entrepreneurship in Africa by rewarding projects which have a social and sustainable impact.
In addition to the monetary aspect, the AEA also provides a unique post-award feature, which enables the award-winning entrepreneurs to benefit from personalised mentoring at every stage of their entrepreneurial journey.
AFRICAN ENTREPRENEURSHIP AWARD IN FIGURES*
A BANK WHICH IS PROMOTINGENTREPRENEURSHIP IN AFRICA Gagnants du prix 2015
Catégorie EnvironnementGagnants du prix 2015Catégorie Environnement
ENVIRONMENT AEA PRIZE-WINNERS IN THEENVIRONMENT CATEGORY
participatingentrepreneurs
countries, 54 of whichare Africa countries
partner-mentors from Africa, Europe,Asia and North America
of all projects submitted are relatedto the environment.The award counts two more categories,the Education & the uncharted
7 000
105
180
35 %
EliaTanzaniaEast Africa Fruits FarmUsing technology to improve the quality of storage and transportation of fruits and vegetablesUSD 150,000
TadesseEthiopiaGreenJimmaProducing fertilizers from biological discharges, recycling and waste collectionUSD 150,000
OliveUgandaBrick to Housing Pioneer Women ProjectBiogas-fired kilns for making bricks and recycling food product wasteUSD 25,000
*Since the launch of award in 2015
CONTACT
BMCE BANK OF AFRICA – HEAD OFFICE
140, Avenue Hassan II Casablanca+212 (0) 522 46 24 24
FINANCIAL COMMUNICATION
Tel : +212 (0) 5 22 46 28 06Fax : +212 (0) 5 20 20 50 54