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1. GLOBAL CONSULTING GROUP
GLOBAL CONSULTING GROUP
DONE BY : - JIHANE FOUAD
-FIRDAOUS SAFFAR AL ANDALOUSSI
-DRISS BENDAHOU
-FATIMA DRIOUICH
-ZAKARIA ABIB
-HAMZA ATOUF

2. Summary
About us
About client
 History
 Key figures
Country review
 PESTEL analysis
Specific market review
Marketing mix
Entry modes
recommendations

3. About us
Global Consulting group is a global management consulting
Our company was established in the first of 2000, and founded by DRISS BENDAHOU
GCG serves as an adviser to many businesses and institutions. Some recent clients
include BNP Paribas, P&G,…
About client
 History
Attijariwafa Bank is the leading bank in Morocco and is part of king Mohammed VI's
holding company the SNI.
It was established after a merger between Banque Commerciale du Maroc
and Wafabank and is headquartered in Casablanca. It is the third largest in Africa.
The bank maintains offices
in London, Paris, Brussels, Madrid, Barcelona, Milan, Shanghai, The
Netherlands, Tunisia, Senegal, Mauritania and Mali. It has been listed on
the Casablanca Stock Exchange since 1943.
ATTIJARIWAFA BANK
Type Public
Traded as MASI : ATW
Industry Banking, Financial Services
Founded 1904
Headquarters 20 000 Casablanca

4. 2, Bd Moulay Youssef, Morocco
Area served Africa
Key people Mohamed El Kettani (CEO)
Products Asset management,commercial
banking,investment banking,investment
management
Revenue 15.8 billion MAD (2012)[1]
Operating
income
8.6 billion MAD(2012)[1]
Net income 5.3 billion MAD(2012)[1]
Total assets 343 billion MAD (2011)[1]
Market Cap:MAD62,197.92 million
(2013)
Total equity 30.2 billion MAD(2011)[1]
Employees 14686 (2012)[1]
Website attijariwafabank.com
 Key figures

5.  AttijariwafaBank group’s business model is basedon diversification
by business activity andgeographical region

6. Country review
 PESTEL analysis
Political  Democracy still young, however relatively stable
 Political System: A work in progress owing to the Suharto
era
 Presidential and parliamentary elections scheduled in 2014
 Corruption & bureaucracy
Economic  Shielded from global economic crisis (GDP growth 6%)
 Major destination for FDI ( Foreign Direct Investment) in
Asia
 Leading exporter of high-value commodities like palm oil &
thermal coal
 Free-trade zones
Social  World’s 3rd largest young democracy & Muslim majority
country
 Transiting from lower to middle income society
 Literacy rate 90.4% however quality of higher education
questionable
 Unemployment rate 6.25%
 High crime rate
Technological  Internet users will grow from 55 million in 2012 to 125
million in 2015.
 The number of mobile phone users grew considerably from
just over 130 million in 2011 to well over 170 million in 2013.
Environmental  Risk to natural disasters
 Deforestation lower to middle income society
 Water pollution from industrial wastes
Legal  World’s system incoherent, and Muslim majority Judicial 3rd
largest young democracy
 Discriminatory attitude towards income investors Transiting
from lower to middle foreign society
 The laws dont allow to settle except in the case of joint
venture

7. Specific market review
 Indonesia is a bank-based financial system(79.5% is the share of bank’s asset).
There are 121 banks with 13.453 offices. 14 largest banks hold 70% of the banking
assets. There are 47 banks owned by foreigners with 45,8% of the share.
 Challenges to improve Financial Access

8.  IndonesiaFinance Snapshot – Banking
 Contribution to GDP: 3% (2011)
 Real Sector Growth: 20%
 Number of Commercial Banks: 121; 4
State/Partially State Owned, 10
Foreign, 14 Joint Ventures, 32 Non
Foreign exchange, 26 Private Export-
Import, 26 Regional Development
Banks.
 Number of Islamic Banks & Units: 11
Banks, 23 Units
 Total Assets: $440 billion USD (2013)
 Indonesianbanks – Foreignand domestic banks

9. Client mix
 4P
 Product :
o Current account
o Saving account (free)
o Studies credit
o Consumption credit
o E-banking
 Price : (penetrationstrategy)
o Reduce banking fees
o Offering interesting rate on saving account
o E-account for free
 Promotion:
o Internet
o TV
o Mobile phones
 Place :
o Jakarta (10 agency)
o Surabaya (8 agency )
 SWOT Analysis
Strength weakness
 Attijariwafa Bank is the largest bank in
Morocco and the third largest in Africa
(experienced business unit)
 15,000+ employees, nearly 2500
branches in Morocco and many other
branches in Africa and Europe
 Increasing Total Assets and Customer
Loans
 Its services include Asset management,
commercial banking, investment banking,
investment management
 Existing distrubution and sales networks
 High growth rate
 Decreasing net income and earnings per
share
 Increasing Non-performing loans and
decreasing Coverage Ratio

10. Opportunity Threats
 Growing Economy and global demand
 Income level is at a constant increase
 Growing demand for banking.
 60% of population is unbankable.
 Emerging markets suffering from
currency depreciation
 Growing competition from regional and
global banks
 Consumer behavior regulated by Islam
Entry modes
 Joint venture
A joint venture (JV) is a business agreement in which the parties agree to develop, for
a finite time, a new entity and new assets by contributing equity. They exercise
control over the enterprise and consequently share revenues, expenses and assets.
There are other types of companies such as JV limited by guarantee, joint ventures
limited by guarantee with partners holding shares.
recommendations
 Asset management
 Entreprise solution