Moroccan accounting practices process Attijariwafa statements every month — for SMEs, auto-entrepreneurs, salaried clients, and diaspora customers. Convert each PDF to a clean CSV and import directly into your tool.
Convert your client's statementAttijariwafa Bank is Morocco's largest bank by every standard metric and the most common business and personal account across the country. Casablanca-based SMEs, Rabat civil servant clients, auto-entrepreneurs in the creative economy, and pan-African subsidiary operations all run through Attijariwafa. Your client intake regularly includes Attijariwafa PDFs in bilingual French-Arabic format with French column labels and mixed-language transaction narrations.
The biggest time drain in Moroccan bookkeeping is rekeying transactions from PDF to Excel or directly to the accounting tool. An Attijariwafa statement for an active SME can run 30 to 100 pages over 12 months. At practice scale, manual rekeying is hours per month per accountant. Kashfbank converts each statement to a structured CSV in under a minute, with the French column labels mapped to standard accounting columns.
The standard Attijariwafa statement is a bilingual Arabic-French PDF. Columns in French: Date, Libellé, Débit (MAD), Crédit (MAD), Solde (MAD). RIB, Type de Compte, Agence, Période in the header. MAD two-decimal precision. Pan-African branch operations may produce transactions with country prefix codes for clients of Attijariwafa subsidiaries in Senegal, Tunisia, Côte d'Ivoire, and other African markets.
French labels in the transaction narration — 'Virement', 'Retrait GAB', 'Paiement TPE', 'Salaire', 'Remboursement', 'Intérêts' — are read and tagged by Kashfbank. Arabic transaction narrations are equally readable. The Excel export keeps the bilingual content on each row, so your bookkeeping tool can categorise by the French label or the Arabic narration depending on the firm's convention.
Bookkeeping and audit working papers pull a specific set of rows from the Attijariwafa statement. Income, expenses, tax payments, and FX-converted inbound transfers.
Bilingual Arabic-French PDF (not English). Primary columns in French: Date, Libellé (description), Débit (MAD), Crédit (MAD), Solde (MAD). Account header uses French terms: RIB (Relevé d'Identité Bancaire), Type de Compte, Agence, Période. Transaction narrations mix French labels with Arabic text where customer has set Arabic-language preference. MAD two-decimal formatting. International transactions reference correspondent bank codes. Sub-Saharan African branch transactions may appear with country prefix codes.
| Label | Meaning |
|---|---|
| Virement | Bank transfer (French: wire/transfer) |
| Retrait GAB | ATM cash withdrawal (GAB = Guichet Automatique Bancaire) |
| Paiement TPE | POS card payment (TPE = Terminal de Paiement Électronique) |
| Salaire | Salary credit |
| Remboursement | Loan repayment instalment |
Rules in Morocco differ — see our country guide
Collect 12 months of client statements
Moroccan annual IR returns and corporate filings need 12 months. Request the bilingual PDF from each client, or have them pull it from Attijari Mobile or Attijari NET. Auto-entrepreneur regime clients need the full year for turnover tracking against the regime ceiling.
Upload each client file independently
Drop each PDF into Kashfbank. The file is processed independently and labelled with its source filename. Across a session you can run 10 to 20 client statements without losing track of which file is which.
Download the CSV and import into your tool
The CSV uses standard columns: Date, Description, Debit, Credit, Balance, Category, Currency. Most accounting tools used in Morocco (Sage, Cegid, QuickBooks for international clients) accept this format. MAD two-decimal precision is preserved. French column labels are mapped to standard English/Arabic accounting columns in the header.
Reconcile against the trial balance
For corporate clients, run the imported transactions against the trial balance. The closing Solde on the Attijariwafa statement should match the bank GL account at the same date. Pan-African inter-subsidiary transactions may need separate mapping if the client operates across multiple Attijariwafa Group entities.
Common challenges
How does the export handle the French column labels in the underlying PDF?
Kashfbank reads the French column labels (Date, Libellé, Débit, Crédit, Solde) and maps them to standard Excel columns (Date, Description, Debit, Credit, Balance). The Description column preserves the bilingual French-Arabic narration on each row. Your bookkeeping tool can categorise by either language depending on the firm's convention.
Can the practice process statements from many clients in a single session?
Yes. Each upload is processed independently and labelled with the source filename. The Kashfbank session can run 10 to 20 client PDFs without mixing data. Each export downloads as its own CSV file.
Does the export distinguish the 24-digit RIB from an IBAN?
Yes. The 24-digit RIB is the Moroccan domestic account identifier; some Attijariwafa accounts also have an IBAN for international transfers. Kashfbank parses the RIB from the header without confusing it with an IBAN. Both are preserved in the account information of the Excel export.
How are pan-African branch entries handled for SME clients with subsidiary operations?
Pan-African entries carry country prefix codes in the Libellé narration. Kashfbank preserves these codes. For clients with subsidiaries in Senegal, Tunisia, or other Attijariwafa Group markets, the country code lets you separate inter-subsidiary transactions from domestic Moroccan ones for the trial balance and consolidation work papers.
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Statement language: Arabic / English