1. BMCE BANK &
PAYPAL
The most innovative
Bank in Morocco

2. WHY BMCE BANK – OVERVIEW

3. A KEY PLAYER IN THE
CORPORATE MOROCCAN
ECONOMY

4. A MULTI-BRAND BANKING
GROUP

5. A MULTI-BRAND BANKING
GROUP

6. AN INTERNATIONAL BANK

7. SUSTAINED PERFORMANCE

8. INTERNATIONAL SHAREHOLDERS

9. A COMMITED GROUP

10. AWARDS

11. AWARDS

12. RETAILS & SME DISTRIBUTION
NETWORK

13. SOLID ASSETS FOR DEVELOPMENT

14. First mover in e-Commerce:
E-PAY prepaid card
Please give numbers
about E-Pay and
forecast

15. E-Banking
Please describe your
current project

16. Mobile Banking
Please describe your
current project

17. RME TRANSFERS
Please give more
details on your
current project and
some numbers on
potentiality of
remittences

18. 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

19. 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)

20. MARKET SIZE
Example
$ 21 billion
$ 27,3 billion
Market size 2010
Market size 2016
Marketshare ~10%
$ 2,7 billion
Revenues
$ 81 million
Profits
xxxx

21. MARKET SIZE
2010 2016
Telecom Turnover: $ 5,5 billion
Turnover: $ 6,5 billion
PayPal market share $ 650 billion
Airline Turnover: $ 4 billion
Turnover: $ 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%