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1. Providing fresh impetus to retail banking and corporate banking

BANK OF AFRICA intends to provide fresh impetus to its retail banking and corporate banking businesses, particularly in the SME segment. A revival of the Bank’s traditional core businesses in Morocco and internationally is expected.
In line with the strategic guidelines laid down by His Majesty, BANK OF AFRICA launched the CAP TPE 2020 programme aimed at introducing financial and non-financial measures in support of micro-entrepreneurs, self-employed workers and small businesses.
Focusing on SMEs and small businesses will help create jobs and develop Africa’s economic and social fabric.


2. Developing new growth drivers

Another of BANK OF AFRICA’s strategic priorities is to develop new niches such as the Green business.
Thanks to its various strategic partnerships with multilateral finance institutions as part of the MorSeFF program, BANK OF AFRICA is investing in innovation and promoting new green finance lines such as Cap Energie, Cap Valoris and Cap Bleu for managing energy, water and waste products intelligently.


3. Accelerating digital banking

BANK OF AFRICA aims to bolster its reputation as a forerunner in digital banking in both Morocco and Africa. One of the Group’s priorities is to accelerate the development of digital banking. Its determination to develop multichannel banking is reflected not only in its redesigned organisational processes but also in the range of innovative products and services that have been adapted to customers’ latest expectations. BANK OF AFRICA's multichannel strategy has seen it introduce new remote banking services. These new solutions are constantly evolving and undergoing improvement, offering new functionality. Multichannel digital banking is an important means of achieving social inclusion.
Through its digital transformation programme, BANK OF AFRICA is pursuing three strategic goals: (i) improve customer experience across all distribution channels while developing new income streams (ii) ensure that BANK OF AFRICA is the leading player in digital banking and innovation (iii) digitise front-to-back business processes to improve operational efficiency.


4. Africa, the beneficiary of the Group’s international development strategy

BANK OF AFRICA Group's international development strategy has seen it bolster its presence in China with the opening of a new branch office in Shanghai as well as opening BBI UK representative offices in Zurich and Dubai.
The Shanghai branch office aims to assist Chinese export companies operating in the telecommunications, transportation and trade sectors as part of its corporate banking and trade finance activity.
BANK OF AFRICA also endeavours to generate potential synergies across its businesses in Europe, Africa and Asia via its multi-business platform and in support of its Africa business. 


5. Bolstering coverage of SMEs in Africa

In Africa, BOA Group’s aim has been to engineer a strategic commercial shift by focusing its financing activity on the small and medium-sized business segment. To support this strategy, risk management systems have been bolstered. Similarly, BOA Group intends to generate additional synergies on the commercial front with each of its entities in Morocco, Europe and Asia.
BOA Group’s multi-channel strategy is one of its core strategic priorities, largely achieved through digitisation and by providing customers with innovative digital solutions. BOA Group has invested heavily in IT infrastructure as part of its IT master plan to meet this goal.


6. Emphasising sustainable development

Ever true to its undertakings and its corporate culture, sustainable development and corporate social responsibility are one of BANK OF AFRICA’s key strategic priorities. The Group is keen to enhance its reputation as a key player in positive impact finance by bolstering its social, societal and environmental commitments and through its CSR policy. The latter is embraced by every Group subsidiary and this emphasis on CSR can also be seen in the various initiatives undertaken by BMCE Bank Foundation.