Financing instruments
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Mission
Approved by Bank Al-Maghrib, Finéa is a financing company driven by a mission of general interest in the service of the development of the national company, by facilitating its access to financing and public order.
Finéa is positioned today as a market establishment, acting in cooperation and in complementarity with the banking sector. With its commitment to contribute to the democratization of access to financing for the Moroccan SME, Finéa is considered as an important vector of financing. The establishment offers tailor-made, innovative and adapted solutions through financing, co-financing and refinancing.
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Mission
JAÏDA is a finance company for microfinance institutions in Morocco approved and created by its founding shareholders: CDG, KfW (German development aid bank), Caisse des Dépôts française (CDC) and Agence Française de Développement (AFD), who were joined in 2010 by Barid Al Maghrib. Its mission is to support the development of microfinance institutions by granting them financing and supporting them in setting up development programs based on microcredit offers adapted to the needs of their clients.
Since its creation in 2007, JAÏDA has invested nearly 3.3 billion dirhams (300 million euros) in the microfinance (MF) sector in Morocco. JAÏDA is one of the largest donors in the sector in Morocco with nearly 19% of the market, i.e. a total outstanding amount of 922 million dirhams (84 million euros) at the end of September 2020.
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Mission
A subsidiary of CDG (60%) and CIH Bank (40%), Ajarinvest is the first OPCI management company approved by the AMMC. Created in 2016 to support the OPCI management activity within the CDG Group, it specializes in the structuring and management of funds investing directly or indirectly in tertiary rental property assets.
The creation of Ajarinvest reflects the commitment of its shareholders in favor of the development of the national financial market and in favor of the strengthening of tools and products consolidating the attractiveness of the Kingdom in terms of economic development and investment encouragement.
SCR
Know moreInsurance
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Mission
Founded in 1960, the Société Centrale de Réassurance (SCR) is an all-branch reinsurance company, benefiting from the State guarantee and having confirmed its positioning as a benchmark reinsurer in Morocco and as a leading and reliable partner in Morocco. African scale and the Middle East.
The SCR also plays the role of institutional investor by participating in the conservation of premiums at the national level and in the mobilization of savings in the country's economy.
Thanks to its experience, expertise and perfect knowledge of international reinsurance markets, SCR protects the Moroccan market from international turbulence in terms of reinsurance conditions.
SCR manages a portfolio of 300 clients and operates in more than 50 countries, notably in Africa and the Middle East as well as in India, China and Pakistan. She worked on the creation of regional companies such as the Arab Reinsurance Company and the African Reinsurance Company.
The SCR has put in place a new 2021-2023 Transformation Plan "WE: Transform Tomorrow Together", based on 4 Pillars (Growth, business and profitability; Digital transformation & Operational excellence; Control and strengthening of the solvency margin; Culture of company & Employer Brand) and 8 Axes, aimed at strengthening its positioning at national and international level.
CDG Capital Bourse
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CDG Capital Gestion
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CDG Capital
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Mission
Created in 2006, CDG Capital is the Financing and Investment Bank of the CDG Group. It contributes to the sustainable financing of the economy and to the responsible financial management of savings in the service of national development.
Thanks to constantly sharpened expertise and well anchored in the capital markets space, CDG Capital supports its clients and partners in the realization of their projects and their ambitions by offering them innovative financing and investment solutions.
Since its creation, CDG Capital has developed recognized business expertise, serving institutional clients and private corporates. The Bank is positioned today as a major player in the Moroccan banking sector by:
- Offering proven expertise in financial engineering, to develop a financing, investment and distribution capacity useful to public and private actors
- Offering high-performance and efficient investment solutions, adapted to the expectations, constraints, and risk appetite of its clients. Efficient in terms of optimizing the risk / return ratio and Efficient in terms of execution and services
- Channel and mobilize national savings and ensure responsible and efficient management up to the challenges of long-term savings
- Participating in the development of the capital market and its infrastructure by being a partner-actor of the economic and financial authorities.
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Mission
CDG Capital Gestion, a 100% subsidiary of CDG Capital, is a leading company in the national asset management market. It manages and markets more than 70 mutual funds spread over a wide range of asset classes.
CDG Capital Gestion contributes to the development of the national financial center as a whole, in particular through the implementation of innovative products and the emergence of new management styles.
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Mission
CDG Capital Bourse advises and supports its clients in their investments in the stock market.
It participates in all types of market operations: market animation, buyback programs, IPO, privatization, fundraising, placement of stocks and bonds, merger - acquisition, etc.
CDG Capital Bourse also carries out the activity of keeping securities accounts and ancillary services, including the keeping of cash accounts corresponding to these securities.
Banking
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Mission
Created in 1920, CIH Bank has long been the national specialist in loans related to property and hotel development. Today, CIH Bank has established itself as a true universal bank, through the deployment of the strategic plan "Nov @ bank", which aims to position the bank as a benchmark player in three major businesses: individuals and professionals, real estate, and business. To achieve these objectives, CIH Bank has set up an organization by" markets "dedicated to each a specialized entity.
The implementation of the strategic plan "Nov @ bank" has resulted in achievements in the consolidation of CIH Bank's core businesses, the diversification of its activities and the improvement of its indicators of commercial performance, productivity, profitability, and risk management.
