Contenu TAMWILCOM Morocco’s leading institution for guarantees and access to finance Explore Tamwilcom through images Who Are We? Established in 1949 as the Caisse Centrale de Garantie (CCG), TAMWILCOM has, over the decades, become a key pillar of Morocco’s national financing ecosystem. In 2020, following the enactment of Law No. 36-20, the institution was transformed into the National Company for Guarantee and Enterprise Financing (SNGFE). Today, operating under the Tamwilcom brand, it is mandated to expand access to finance and support investment across the country.Operating under the supervision of Bank Al-Maghrib, TAMWILCOM draws on decades of expertise to work alongside the State and the financial sector through guarantee schemes, co-financing instruments and targeted support programmes. Through these mechanisms, the institution supports businesses, project promoters, and the Kingdom's strategic investment priorities. Learn more about us A story of vision and impact A path defined by strategic transformation 1949 The creation of CCG and the introduction of public guarantee mechanisms 1996 Institutional reform and the expansion of CCG’s mandate in socio-economic development 2003 Advancing financial inclusion through expanded access to housing 2009 Modernisation of the National Guarantee System for VSMEs 2010 Launch of CCG’s first regional business centres, bringing the institution closer to its partners and businesses nationwide 2017 Launch of an ambitious development plan centred on guarantees and co-financing 2020 A landmark year: Intelaka programmes, COVID-19 response, and the creation of SNGFE (a State-owned joint-stock company) 2021 The launch of the TAMWILCOM brand, reaffirms its mission 2023 Launch of the 2023–2026 Development Plan to strengthen Tamwilcom’s future impact.Transfer to Tamwilcom of the assets, liabilities and off-balance-sheet commitments of the five funds previously managed on behalf of the State. OUR VALUES "At TAMWILCOM, our values guide our actions and reflect our commitment to fostering inclusive and sustainable development." Trust Strong partnerships built on transparency, reliability and more than seven decades of experience. Innovation Forward-looking financial solutions designed to anticipate evolving needs and support economic transformation. Resilience A continuous ability to adapt, meet new challenges and sustain the long-term impact of our mission. OUR MISSIONS As a credit institution recognised under the banking law and supervised by Bank Al-Maghrib, TAMWILCOM holds a central position within Morocco’s financial system.Its mission is to expand access to finance, address market gaps and support the Kingdom’s strategic economic priorities. As a strategic public institution, TALWILCOM works to : Expand access to financethrough risk-sharing mechanisms Foster enterprise developmentand productive investment Advance public policy objectivesand national priorities Reinforce regional presenceto better serve VSMEs Inside our values and missions OUR GOVERNANCE STRUCTURE TAMWILCOM’s governance is built on a robust and transparent framework that ensures the institution operates effectively and remains aligned with its strategic mandate. The Board of Directors Driving strategy, oversight and institutional transparency As the institution’s highest governance body, TAMWILCOM’s Board of Directors ensures the implementation of the State’s strategic orientations and oversees the institution’s compliance with its mandate. Chaired by the Minister of Economy and Finance, the Board defines the institution’s strategic direction, monitors the execution of key decisions and assesses overall performance. Composed of nine directors, including three independent members, it reflects a balance of expertise, strategic vision and independence. To ensure effective oversight and strengthen decision-making, the Board is supported by four specialized committees: Audit Committee A cornerstone of sound governance, the Audit Committee oversees the effectiveness of internal control systems, the reliability of financial reporting and the transparency of audit procedures within TAMWILCOM. Governance, Nomination and Remuneration Committee This committee promotes best practices in corporate governance, ensures transparency in appointment processes and oversees the consistency of remuneration policies. Strategy Committee A key forum for strategic reflection, the Strategy Committee provides informed guidance on the institution’s development directions, the evolution of its business activities and Tamwilcom’s long-term strategic positioning. Risk Committee Serving as a key pillar of the institution’s oversight framework, the Risk Committee monitors the overall risk profile, assesses the robustness of the risk management framework and ensures the prudent and balanced management of Tamwilcom’s financial commitments.
