In Morocco, the subsidiaries of BANK OF AFRICA - BMCE Group are specialized in Leasing, Consumer Credit, Factoring and Collection.


BMCE CAPITAL is the Group's investment banking division. Established in 1998, this subsidiary is structured into 8 complementary and integrated business lines: Financial consulting and engineering, Asset management, Stock market intermediation, Financial research, Private management, Capital market and Post-trade solutions. BMCE Capital aims to become a pan-African leader in the investment banking business.


MAGHREBAIL is the subsidiary of BANK OF AFRICA - BMCE Group specializing in the lease financing of capital goods and real estate intended for professionals and businesses. Second operator in the sector with a market share of 24.62%, MAGHREBAIL has 40 years of business experience.


SALAFIN is the subsidiary of BANK OF AFRICA - BMCE Group specializing in consumer credit. It offers three main categories of products: personal loan, car loan and revolving loan. Founded in 1997, SALAFIN now ranks fourth in the sector in terms of production.


MOROCCO FACTORING is the subsidiary of BANK OF AFRICA – BMCE Group specializing in optimizing corporate customers’ management: guarantee against default risk, financing of trade receivables and full portfolio management.


RM EXPERTS (Recovery International Management and Expertise) is the subsidiary of Bank of Africa - BMCE Group specializing in the recovery of trade receivables: management of overdue receivables and corrective management of loan portfolio.


BTI “Bank Al-Tamweel Wa Al-Inma” is the Group's participatory bank, launched in December 2017 via a partnership between BANK OF AFRICA and the Al Baraka Bank Group and held at 51% and 49% respectively. It integrated the Group's scope of consolidation since the first semester of 2018.