BMCI: Consolidated Net Income Up 2.5% to 218 Million Dirhams in H1 2025

The consolidated net banking income reached 1.99 billion dirhams, reflecting a 5.4% increase due to strong performance in interest margin (+5.2%) and commissions (+6.8%). The gross operating profit rose by 7.5% to 796 million dirhams, indicating effective management of operating expenses (+4%) and an improved efficiency ratio of 60%. The consolidated risk cost amounted to 397 million dirhams, up 10.1% compared to the first half of 2024. This increase is attributed to a strengthening of provisions on loan portfolios, in line with the bank's prudent policy. BMCI reported a consolidated profit before tax of 385 million dirhams at the end of June 2025, marking a 6.8% increase compared to the end of June 2024. The solvency ratio stands at 13.5%, and the liquidity ratio is at 140%, confirming the bank's financial solidity.