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2 Attijariwafa bank Results at 30th june 2025 Attijariwafa bank’ s press releaseRESULTS at 30th june 2025 Attijariwafa bank’s Board of Directors, chaired by Mr Mohamed El Kettani, met on July 28th, 2025, in order to review the activity and approve the financial statements for the June 30 th, 2025. › Total consolidated assets MAD 737.4 billion +6.5% › Consolidated shareholders’ equity MAD 74.8 billion +11.9% › Net banking income MAD 17.7 billion +4.0% › Gross operating income MAD 11.4 billion +4.2% › Net income MAD 6.9 billion +19.6% › Net income group share MAD 5.9 billion +19.8% (*) Operations available on digital channels: eg: transfers, disposals, payment of invoices. (**) CGAR between H1 2019 and H1 2025 The Board of Directors Casablanca, July 28 th, 2025(1) Net income/ Average total assets (2) Net income group share/Average tangible shareholders' equity (3) Loans excl. repurchased agreements (4) Loans including state financing (5) Hissab bikhir accounts and Wallet N° 1 savings institution Total consolidated deposits (billion MAD) N° 1 provider of financing to the economy Total consolidated loans (billion MAD) 1st player in digital banking and electronic payements in Morocco Number of connections on digital platforms (in million of connections) % of operations processed throughdigital banking* 397.8 417.4 +4.9% 450.6 486.4 June 24 June 25 +8.0% 71.5 221.0 +20.7% ** 92.4% 95.4% +3.0 pts June 24 June 25 H1 24 H1 25 H1 19 H1 25 Attijariwafa bank reports strong results for the first half of 2025 in an environment marked by accelerating economic growth in Morocco, driven by the implementation of several strategic programs led by the Kingdom. STRONG GROWTH IN FINANCIAL RESULTS AND CONTINUOUS IMPROVEMENT IN PROFITABILITY In H1 of 2025, Net Banking Income reached MAD 17.7 billion, an increase of 4.0% compared to H1 2024 (+6.4% at constant exchange rates), driven by strong commercial momentum in both deposits and loans. Gross operating income increased by 4.2% to reach MAD 11.4 billion, supported by effective cost control. The cost income ratio stood at 35.3% on a consolidated basis, reflecting an improvement of 20 basis points year-on-year and 12 points between H1 2025 and H1 2019. The cost of risk fell by 36.8% reaching MAD 1.4 billion in H1 2025, compared to MAD 2.2 billion in H1 2024. Consolidated net income rose to MAD 6.9 billion, up from MAD 5.8 billion in H1 2024 (+19.6%). Net income group share increased by 19.8% to MAD 5.9 billion, compared to MAD 4.9 billion the previous year, a +19.8% growth. On a standalone basis, Net Banking Income grew by 15.5% to MAD 11.2 billion. Gross operating income increased by 16.3% to MAD 8.0 billion. Cost- income ratio improved from 27% to 25% in H1 2025. The cost of risk declined by 23.1% to MAD 631 million (0.4% of gross loans).Net income rose by 25.2% to MAD 5.2 billion, up from MAD 4.1 billion in the H1 of 2024. IMPROVED PROFITABILITY AND CAPITAL RATIOS Attijariwafa bank continued to strengthen its profitability and capital position. Return on Average Assets (RoaA1) reached 1.89% in H1 2025, up from 1.71% in H1 2024, while Return on Average Tangible Equity (RoaTE2 ) rose to 24,6% compared to 22.8% in the previous year . Additionally, in 2025, Attijariwafa bank successfully completed the issuance of a subordinated debts totaling MAD 1.5 billion improving solvency ratios by 30 and 50 basis points on standalone and consolidated bases, respectively. FINANCING THE REAL ECONOMY AND SUPPORTING HOUSEHOLDS, BUSINESSES, AND COUNTRIES OF PRESENCE The Group reinforced its leadership in savings mobilization and real economy financing in Morocco : • Investment loans grew strongly, reaching MAD 104 billion, up +28% YoY, representing a 35% market share (+2 pts); • Corporate loans rose +10% to MAD 199 billion, with a 1 point market share gain to 30%3; • Total loans grew +8% vs. +5% for the sector, with a +1 pt increase in consolidated market share (from 27% to 28%); • Customer deposits in Morocco rose by +9% to MAD 343 billion, with a 28% market share in free-interests deposits. DECARBONIZATION, FINANCIAL INCLUSION, AND ENTREPRENEURIAL SUPPORT • 6% reduction in the bank’s CO2 emissions in Morocco (Scopes 1 & 2) during H1 2025, continuing the -33% reduction achieved between 2018 and 2024; • Free support provided via Dar Al Moukawil and Daralmoukawil.com to 153,389 Very Small Entreprises (VSEs) in H1 2025 (119,719 trained, 17,650 advised, 1,230 business connections). Since launch in 2016, 847,389 businesses have been supported; • Financial inclusion of vulnerable populations through the “economic banking5” model: 157,187 new clients onboarded in H1 2025; • Expansion of rural financial access through Wafacash, now serving 140 rural locations; • Investment through Attijariwafa Ventures in two high-potential African fintech startups, supporting innovation, entrepreneurship, and the expansion of digital financial inclusion; • Acceleration of community-impact initiatives in countries of presence, particularly in education, arts, and culture, fostering inclusive and sustainable development.