Sustainable development

Close to our customers through the largest banking network in Morocco, we are committed through our actions and Foundations to the country’s economic and social development in favour of the people as well as the environment.

CSR CHARTER  


Groupe Banque Populaire’s social-responsibility initiative is rooted in each of its original components: its collegiate form of governance, its strong commitment to the economic and social development of the country, as well as the closeness and co-operative specificity of its regional banks.
That is the model on which the bank relies to support banking provision for populations, to facilitate the activity of its Foundations with a strong social impact, and to develop an ethical approach to its customers, members, suppliers, human capital, and other partners, whilst acting in an environmentally-respectful fashion.
Groupe Banque Populaire’s CSR approach has highlighted 15 strategic commitments backed up by four main strands:

1.follow an ethics-based approach in our day-to-day practices
2.make a commitment to socio-economic development
3.take action against climate change
4.act as a responsible employer.

I.FOLLOW AN ETHICS-BASED APPR​OACH IN OUR DAY-TO-DAY PRACTICES:


​1.ACT WITH INTEGRITY AND ETHICS:

Groupe Banque Populaire makes it a priority for its activities to comply with current laws and regulations whilst following best practices. Thus, it takes scrupulous care to minimise its exposure to ethical risks that are characteristic of the banking sector, i.e. corruption, money-laundering, and financing terrorism.
The commitment to act with integrity and ethics ultimately allows the Group to protect itself against reputational risks and sanctions, thus ensuring the security of its development process.

2.ENSURE COMPLIANCE WITH CUSTOMERS’ INTERESTS:​

Customers and their expectations are at the heart of all the Group’s decisions. Thus, protecting the clientele in accordance with the regulatory framework and international best practices is a priority for the Group.

3.INCORPORATE ENVIRONMENTAL AND SOCIAL RISKS INTO AUDIT AND CONTROL PROCEDURES:​

The Group’s commitment to extend the review of risks to cover social, environmental, and governance challenges will, with time, enable the group to protect itself against emerging risks.

4.INCORPORATE ENVIRONMENTAL AND SOCIAL RISKS INTO OVERALL RISK MANAGEMENT::

Through this commitment, Groupe Banque Populaire has sought to raise its risk-assessment process to the level of international best practices, meeting the growing expectation of its stakeholders, in particular its financial backers, civil society, and regulatory authorities.
Thus, the Group’s action is part of a structural movement, guided by international tools and frames of reference, for sustainable finance in the service of healthy growth.


5.MAKE RESPONSIBLE PURCHASES :

Groupe Banque Populaire’s approach to purchasing is guided by principles of equity and transparency, and is in strict compliance with regulatory requirements.
It aims at giving preference to local purchases by Banques Populaire Régionales, and, wherever possible, it favours local suppliers.


II.MAKE A COMMITMENT TO SOCIO-ECONOMIC DEVELOPMENT:​


1.PROMOTE FINANCIAL INCLUSION AND EDUCATION:

The Group is historically committed to taking up the challenge of inclusion national and continentally. To that end, it relies on major strengths, especially its strong territorial presence, inclusive offers and services that are in constant development, and a solid network made up of its subsidiaries specialising in microfinance and mobile payments in Morocco and abroad.

2.SUPPORT AND FINANCE SOCIO-ECONOMIC EXPANSION :

Groupe Banque Populaire is committed to supporting and financing socio-economic expansion. To that end, it follows an approach that covers the whole entrepreneurial fabric, from business creation by local entrepreneurs and Non-Resident Moroccans to export-oriented SMEs, and naturally taking in microbusinesses, sole traders, and artisans. 

3.SUPPORT COMMUNITIES THROUGH SPONSORSHIP :

The Group’s commitment to socio-economic development is part of its articles of association, and is shown by carrying out its core business in a responsible manner as well as by its sponsorship activities.

III.TAKE ACTION AGAINST CLIMATE CHANGE


1.SUPPORT THE FINANCING OF ENERGY TRANSITION: :

Groupe Banque Populaire is committed to assessing and reducing its greenhouse-gas emissions in its financing and operations, with a view to contributing to the transition to a low-carbon economy.

2.REDUCE THE GROUP’S ENVIRONMENTAL FOOTPRINT :

The Group is committed to:

• Reducing its own environmental footprint
• Limiting its impact on the environment by implementing effective waste-management solutions
• Sustainable consumption of its essential resources that are essential for its activity

IV.ACT AS A RESPONSIBLE EMPLOYER


1.PROMOTE DIVERSITY::


As part of its Code of Professional Conduct and Ethics, the Bank is committed to encouraging non-discrimination and diversity, as well as to promoting equality of opportunity and treatment.

2.DEVELOP EMPLOYABILITY AND SKILLS:

Significant changes in the financial sector and digital transformation mean that Groupe Banque Populaire is committed to its collaborators' employability and skills-development.

3.GUARANTEE THE FAIRNESS OF PRINCIPLES OF ADVANCEMENT AND REMUNERATION :

Through its size and the variety of its business lines, Groupe Banque Populaire is committed to guaranteeing the fairness of principles of advancement and remuneration.

4.MAINTAIN A CONSTRUCTIVE, RELAXED SOCIAL DIALOGUE :


Groupe Banque Populaire is committed to promoting collective bargaining and social dialogue in its policy on trade-union freedoms contained in Staff Regulations

5.UNDERGO RESPONSIBLE TRANSFORMATION WITH RESPECT TO ITS HUMAN CAPITAL: :


The Group is committed to giving the greatest attention to mitigating the social consequences of its restructuring operations in the regions and of its acquisitions in Africa.




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