BMCE BANK & PAYPALThe most innovativeBank in Morocco

WHY BMCE BANK – OVERVIEW

A KEY PLAYER IN THE

CORPORATE MOROCCAN

ECONOMY

A MULTI-BRAND BANKING

GROUP

A MULTI-BRAND BANKING

GROUP

AN INTERNATIONAL BANK

SUSTAINED PERFORMANCE

INTERNATIONAL SHAREHOLDERS

A COMMITED GROUP

AWARDS

AWARDS

RETAILS & SME DISTRIBUTION

NETWORK

SOLID ASSETS FOR DEVELOPMENT

First mover in e-Commerce:

E-PAY prepaid card

Please give numbers

about E-Pay and

forecast

E-Banking

Please describe your

current project

Mobile Banking

Please describe your

current project

RME TRANSFERS

Please give more

details on your

current project and

some numbers on

potentiality of

remittences

RME TRANSFERS

Market share estimated to $ 320 million

Money transferred: $ 6,4 billion

More that 5 million Moroccans living abroad

Equivalent to 12% of total population

Today, most of the money transfer is done via Western Union , MoneyGram

through parternships with banks and Poste du Maroc

New comers: Money express

Money Exchange

RiaEnvia

Travelex TMT

Chequepoint

Xpress Money

…

Main problem: very high fees per transaction

Real opportunity for PayPal!

Company 50euros

transaction

100 euros

transaction

500 euros

transaction

Transaction time

Western Union 10,5 € 19 € 38 € Real time

MoneyGram 8 € 10 € 32 € 10 min

Flouss.com 9 € 9 € 28 € Real time

Example

E-Commerce Potential in

Morocco through the

Partnership

Please add numbers from document

you presented to Comité de

direction, en insistant sur les 3

indicateurs :

TAM (Total Available Market)

SAM (Served Available Market)

TPV (Total Processing Volume)

MARKET SIZEExample

$ 21 billion

$ 27,3 billion

Market size 2010

Market size 2016

Marketshare ~10%

$ 2,7 billion

Revenues

$ 81 million Profits

xxxx

MARKET SIZE

2010 2016

Telecom Turnover: $ 5,5 billionTurnover: $ 6,5 billion

PayPal market share $ 650 billion

Airline Turnover: $ 4 billionTurnover: $ 5 billion

PayPal market share $ 500 million

Utilities& e-Gov Turnover: $5 billion Turnover: $ 5,5 billion

PayPal market share $ 550 million

Travel agencies Turnover: $ 800 million Turnover: $ 2,5 billion

PayPal market share $ 250 million

Hotels Turnover: $ 800 million Turnover: $ 2,5 billion

PayPal market share $ 250 million

Key accounts :

$ 15,3 billion $ 19,5 billion

PayPal market share $ 2 billion

10%