M2M Group provides end-to-end secure electronic transaction solutions. Its mission is to deliver scalable and efficient solutions to serve customers, citizens, and employees. The company's vision is to expand secure e-transactions across daily life through creativity, mobility, and convergence. M2M Group offers a wide range of cutting-edge systems and technologies across key sectors like e-payments, ID systems, ticketing, and HR management. It has a presence in over 50 countries and over 300 institutional clients.

1. Secure e-transaction solutions
M2M Group - 2012

2. MISSION
Deliver end-to-end solutions for secure electronic transactions
processing.
Scalable, efficient and future-proof solutions to better serve customers, citizens
and employees.
Design Develop Integrate Deploy Operate

3. VISION
Stretch the reach of secure e-transactions across daily life uses, and
continue to push the boundaries of :
+ Creativity
+ Mobility
+ Convergence

4. Key strategic sectors

5. Offerings
A wide range of cutting edge systems and technologies, entirely oriented to bring value and
innovation to processes and businesses.
A comprehensive range of services and broad know-how to meet operational needs of each
sector.

6. Solutions
Multi-channel e-payment : ID Systems : Multi-channel ticketing HR Management:
- e-ID card
management :
- Debit/Credit - HR development
- Prepaid - Biometric Passport - Tramway - HR self-service
- Internet payment - e-Driver’s license - Bus - Salary cards
- e-Visa - Trains - Corporate cards
- Mobile payment
- Metros - HR administration
- Bill payment - Voting card
- Highways - Payroll
- Electronic top-up - Health card … - Parking
- Attendance
- Money transfer
Service automation : - Access
- Loyalty programs
- HR Intranet and workflow
- Fuel retailers programs ... - e-procedures
-…
- e-tax payements
- e-services …

7. Solutions
 Technology enhancements
 Regulatory enhancements
 Core business enhancements

8. Solutions
Go live Roll out
BPO Market operator
Support &
Maintenance Outsourcing

9. Solutions
IT Outsourcing Services
A highly competitive transactional processing model. An infrastructure sized to highest
requirement in terms of volume and security.
 An experienced specialist in ITO services
 Operation, monitoring and 24/7 supervision
 Highly secure 4000 m2 Outsourcing Unit

10. Channel partners network

11. Industry partners

12. M2M Group at a glance
 +300 institutions run M2M Group’s solutions
 Presence in over 50 countries
in Africa, Europe, Middle east and Americas
 160 employees, 120 are engineers and consultants
 +15% of annual turnover is dedicated to R&D

13. Group performance
2008-2011 : average key indicators
*In 2011, group’s stockholders’ equity was 130 Million MAD.

14. Structure
Internal organization : client-oriented

15. Capital Structure
M2M Group is listed in Casablanca stock market since 2007, with a total equity estimated to +700 Mdh

16. Main achievements
1st card issuer in Euro zone, 5th banking group
worldwide.
1st bank in Maghreb and 3rd in Africa. Awarded
« African Bank of the Year » by African Banker in
2010.
1st financial institution in Algeria and 1st card issuer in
North Africa.
1st bank in Ethiopia and 4th in Eastern Africa.
1st bank in Iran : 25 million customers, awarded for 3
consecutive years by Euromoney as « Best Bank of
Iran ». Among Middle East Top 40 banks.

17. Main achievements
1st EGOV program leveraging contactless multi-
applicative cards.
Program of e-Driver’s license and vehicle
registration cards of Morocco.
1er biometric passport issued in Africa.
Moroccan biometric passport, Ministry of foreign
affairs and cooperation : diplomatic, service,
ordinary and special passports.

18. Main achievements
Leadership in transport sector in Morocco :
- Contactless e-ticketing systems
- Multi-channel ticketing distribution : sales office, AVM, Internet, Mobile
- Open to multiodal ticketing
Tramway network of Moroccan capital, Rabat :
100.000 passenger/day.
Casablanca conurbation tramway network :
250.000 passenger/day.
Bus network of Rabat – Salé region :
500.000 passenger/day.

19. Main achievements
Leadership in Moroccan Health sector
HR administration and e-RH platform for total
number of employee of +80.000 employees
HR administration and social/HR development
for Water and Electricity distribution offices
of the kingdom of Morocco.
Large reference base across Moroccan
Insurance sector : private companies and
public organizations.

20. Listed on Casablanca Stock Exchange
Member of the United Nations Global Compact
Certified to the international ISO 9001: 2008 standard
www.m2mgroup.com