In accordance with its original mission with a social purpose, CNRA works in the following areas:

 

  • Managing annuities;

  • Retirement and pensions;

  • Management mandated on behalf of the State or third parties.

The National Pension and Insurance Fund (CNRA) is a public institution with legal personality and financial autonomy, created by Dahir No. 1-59-301 of 27 October 1959 and entrusted to be managed by CDG. CNRA's mission is to:

 

  • Grant insurance for immediate, life, temporary and deferred annuities;

  • Receive constituent capital of annuities authorized by judicial decisions as compensation for accidents at work or common law;

  • Expanding its operations to all combinations of insurance guaranteeing a capital sum in case of life or death.

For deposits (property of minors, expropriations, etc...)
Any release is subject to prior authorization by the depositor (release of expropriations and withdrawal request for the property of minors, etc.).

For guarantees:
Reimbursement is subject to the production of a discharge, duly established by the authority concerned (contracting authority), together with the original payment receipt issued at the time of payment.

Regarding deposits (expropriations, etc...)
Any deposit requires a deposit application dated and numbered indicating:

 

  • The identity and function of the depositor;

  • The purpose of the deposit and reference to appropriate laws and regulations;

  • The identity of the beneficiary or his supposed latest address, national identity card number where possible;

  • The amount to be deposited;

  • The conditions for its release.

 

As regards property belonging to minors or incompetent persons:
Any request to open an account must be established by the qadi in charge of juvenile cases and shall be duly signed and sealed, and include:

 

  • The full name of the minor or incompetent person;

  • The full name of his guardian, national identity card number and address.

 

Regarding guarantees:
Guarantees may be made to the order of:

 

  • Treasury accountants (regional, prefecture and provincial Treasuries) who act as correspondents of the Caisse de Dépôt et de Gestion;

  • Seat of the Caisse de Dépôt et de Gestion at its branch in Rabat.

 

  • Temporary guarantees from bidders for government contracts;

  • Final guarantees from government service contractors and successful bidders for government contracts for work and supplies

  • Administrative Deposits and guarantees required by law.

  • Administrative and judicial deposits (property of minors, expropriations, etc.).

Support of an application for opposition from a client of the Caisse de Dépôt et de Gestion respects the provisions of Article 271 of the Commercial Code. Opposition to a cheque is allowed in the case of loss, theft, misuse or forgery of the cheque, or reorganization or legal liquidation of the bearer. Cheque oppositions must be notified in writing to the Caisse de Dépôt et de Gestion together with supporting documents.

Any opposition not based on any of the grounds set out above engage the responsibility of the applicant and may be rejected by the Caisse de Dépôt et de Gestion.

  • For Notaries : A handwritten application to open an account, national identity card number, Professional Tax Certificate, assignment certificate, signed account agreement and specimen signatures.

  • For Clerks of the court, legal secretaries : Application to open an SG account from the controlling ministry,(i.e. Ministry of Justice), certificate of appointment and specimen signatures.

  • For Bars : Memorandum of Understanding signed between the Caisse de Dépôt et de Gestion and the Bar Association to open a Deposit and Settlement account. Any request to open additional accounts by an Association will require a handwritten application.

The Caisse de Dépôt et de Gestion is in charge of the centralization of deposits from regulated institutions, the legal profession and legal deposits. The institution is also responsible for the management of regulated institutional funds.

Caisse de Dépôt et de Gestion, a State institution, does not manage accounts for individuals.

Management of controlled or mandated savings deposits corresponds to the primary business of the Caisse de Dépôt et de Gestion whose purpose is to embody the role of "trusted third party of savings funds and controlled deposits" in supplying the security and profitability required for this type of savings. Its mission is to channel, secure and manage savings funds as well as controlled or mandated deposits.

CDG Group's mission is to centralize part of domestic savings and channel its use to provide profitable and useful jobs in the socio-economic development of Morocco. It thus generates something of value for depositor organizations as well as for Morocco, while securing and strengthening its own equity.

Savings collected by CDG Group are private, controlled savings. These include funds from the National Savings Fund (CEN), the NSSF reserves and funds managed by notaries.