Secure e-transaction solutionsM2M Group - 2012

Deliver end-to-end solutions for secure electronic transactions

processing.

MISSION

Scalable, efficient and future-proof solutions to better serve customers, citizens

and employees.

Design Develop Integrate Deploy Operate

Stretch the reach of secure e-transactions across daily life uses, and

continue to push the boundaries of :

VISION

+ Creativity

+ Mobility

+ Convergence

Key strategic sectors

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.

HR Management:

- HR development

- HR self-service

- Salary cards

- Corporate cards

- HR administration

- Payroll

- Attendance

- Access

- HR Intranet and workflow

- …

Multi-channel ticketing

management :

- Tramway

- Bus

- Trains

- Metros

- Highways

- Parking

ID Systems :

- e-ID card

- Biometric Passport

- e-Driver’s license

- e-Visa

- Voting card

- Health card …

Service automation :

- e-procedures

- e-tax payements

- e-services …

Multi-channel e-payment :

- Debit/Credit

- Prepaid

- Internet payment

- Mobile payment

- Bill payment

- Electronic top-up

- Money transfer

- Loyalty programs

- Fuel retailers programs ...

Solutions

Solutions

Technology enhancements

Regulatory enhancements

Core business enhancements

Solutions

Go live Roll out

Support &Maintenance Outsourcing

BPO Market operator

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

Channel partners network

Industry partners

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

Group performance

2008-2011 : average key indicators

*In 2011, group’s stockholders’ equity was 130 Million MAD.

Structure

Internal organization : client-oriented

Capital Structure

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

Main achievements

1st card issuer in Euro zone, 5th banking group worldwide.

1st financial institution in Algeria and 1st card issuer in North Africa.

1st bank in Maghreb and 3rd in Africa. Awarded « African Bank of the Year » by African Banker in 2010.

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.

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.

Main achievements

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.

Leadership in transport sector in Morocco :

- Contactless e-ticketing systems- Multi-channel ticketing distribution : sales office, AVM, Internet, Mobile- Open to multiodal ticketing

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.

Main achievements

www.m2mgroup.com

Listed on Casablanca Stock Exchange

Member of the United Nations Global Compact

Certified to the international ISO 9001: 2008 standard