CIH BANK: 31.2% Growth in Net Income Attributable to Shareholders by End of September 2025

Customer Deposits\n\nCustomer deposits reached a total of 90.1 billion MAD, reflecting a 6.7% increase compared to December 2024 and an annual growth of 13.4%. These deposits are primarily composed of those from CIH BANK, amounting to 77.8 billion MAD, which is up by 5.8%, and UMNIA BANK, with deposits of 7.6 billion MAD, marking a rise of 20.4%. By the end of September 2025, demand deposits accounted for 84% of customer resources, remaining stable compared to the end of 2024.\n\nCustomer Loans\n\nConsolidated loan balances reached 96.8 billion MAD, showing a 14.6% increase from December 2024 and an annual rise of 13.7%. CIH BANK contributed 65.7 billion MAD to this total, while SOFAC and UMNIA BANK contributed 20.4 billion MAD and 10.7 billion MAD, respectively. Additionally, the consolidated balance sheet total reached 150.5 billion MAD, marking a 6.8% increase compared to the end of 2024.\n\nPerformance Indicators\n\nOn a consolidated basis, net banking income (NBI) reached 4,040.9 million MAD, up 14.3% from September 2024. This increase is primarily driven by growth in commercial activity and performance in market operations. The structure of consolidated NBI remained nearly stable during this period. With a proactive and prudent risk management approach, CIH BANK's consolidated risk cost amounted to 818.0 million MAD, with a risk cost ratio of 0.80%.\n\nNet Income\n\nThe consolidated net income stood at 954.8 million MAD by the end of September 2025, reflecting a 34.2% increase compared to 711.7 million MAD in September 2024. The net income attributable to shareholders was 862.3 million MAD, representing a 31.2% increase from the previous year. Based on individual accounts, NBI was 3,219.5 million MAD, showing a growth of 10.4% compared to September 2024. The risk cost at the end of September 2025 was 602.0 million MAD. The net income reached 810.4 million MAD by the end of September 2025, compared to 611.6 million MAD the previous year, marking a 32.5% increase.