Moroccan lenders want 3–6 months of statements. Bank Al-Maghrib caps debt service at 40% of net monthly income. Convert your Attijariwafa statement to Excel and run the math yourself.
Convert your Attijariwafa statementAttijariwafa Bank is Morocco's largest retail lender by far. When you apply for a personal loan, a car loan, or a credit facility — at Attijariwafa itself or at a peer bank — your Attijariwafa statement is the primary document under review. The reviewer is looking for stable income, existing instalment obligations, and whether you fall under Bank Al-Maghrib's 40% debt-service ratio cap.
The 40% DSR cap is a BAM prudential rule. Lenders add up every monthly instalment visible on the statement (housing loan 'Remboursement Crédit Immobilier', car loan 'Crédit Auto', personal loan 'Crédit Conso', credit card minimum) and compare the total to net monthly income. Any new loan must fit under the cap. Converting the statement to Excel lets you do this calculation before the lender does.
Attijariwafa issues a bilingual Arabic-French PDF. Columns in French: Date, Libellé, Débit (MAD), Crédit (MAD), Solde (MAD). The account header shows RIB, Type de Compte, Agence, and Période. MAD two-decimal formatting throughout. Online and mobile transactions carry channel identifiers in the narration.
'Salaire' credits arrive monthly from the employer. If the salary is domiciled at Attijariwafa under a 'Convention de Domiciliation de Salaire' — a formal employer-bank agreement — the customer typically qualifies for preferential loan rates. Existing loan instalments appear as 'Remboursement' debits with the loan reference. ATM withdrawals are 'Retrait GAB'; POS purchases are 'Paiement TPE'. Any returned cheques or NSF events sit on the statement.
Underwriting in Morocco pulls a specific set of signals from the statement. Income stability, existing obligations, average balance, and clean cheque history.
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
Request 3–6 months from Attijari Mobile
Open Attijari Mobile or Attijari NET and request a statement covering the period the lender asks for — usually 3 months for personal loans and 6 months for larger facilities. Some lenders ask for a printed stamped version from the branch.
Upload to Kashfbank
Drop the PDF into Kashfbank. The Excel export keeps MAD precision intact, preserves bilingual French-Arabic narration, and tags each row by category. RIB and Agence are visible in the header section of the export.
Run the 40% DSR calculation yourself
In the export, sum every recurring monthly 'Remboursement' debit. Compare the total to your net monthly income. If you are at 30% before the new loan and the new instalment brings you to 39%, you are inside the BAM cap. At 41% the application is over the line.
Submit the Excel alongside the PDF
Moroccan lenders accept the bank-issued PDF as the primary document and welcome an Excel for the reviewer's working file. The Excel speeds underwriting because the lender does not rekey the rows.
Common challenges
What is salary domiciliation and why does it matter?
'Convention de Domiciliation de Salaire' is a formal agreement between your employer and the bank that the employer credits your salary directly to the Attijariwafa account. Customers with salary domiciliation typically qualify for preferential loan rates because the bank has direct visibility on the income and can deduct repayments at source. The statement evidence is the recurring 'Salaire' credit from the same employer.
Does the export show 'Remboursement' rows clearly for the DSR calculation?
Yes. 'Remboursement' is tagged in the Description column and the recurring monthly amount is easy to sum in Excel. For multi-loan customers, you can group by loan reference to confirm each obligation separately before summing for the DSR.
I am a Moroccan diaspora customer applying for a loan in Morocco. Does my Attijariwafa account count?
Yes, if the account shows regular inbound transfers from your foreign employment, the Moroccan lender treats that as evidenced income. Diaspora customers (MRE) often have access to specific loan products tailored to their profile. The statement is still the primary income evidence.
Does the export handle the RIB number in the header?
Yes. The 24-digit RIB is the Moroccan domestic account identifier. Kashfbank parses it from the header without confusing it with an international IBAN. The RIB stays in the account information of the Excel export so the lender's file is complete.
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Statement language: Arabic / English