Strong Growth in Consolidated Balance Sheet
At the end of December 2025, CIH Bank's consolidated balance sheet totaled MAD 163.7 billion, marking a significant increase of 16.1% compared to the end of 2024.
Social Balance Sheet Performance
On a standalone basis, the balance sheet stood at MAD 129.8 billion, reflecting a growth of 13.1%.
Customer Deposits Surge
Consolidated customer deposits reached MAD 99.5 billion, an impressive rise of 17.8% from MAD 84.5 billion recorded a year earlier.
On a social basis, deposits increased by 16.1%, totaling MAD 85.5 billion.
Growth in Customer Loans
Consolidated customer loans grew by 16.7%, reaching MAD 118.1 billion, up from MAD 101.2 billion at the end of 2024.
On a standalone basis, loans increased by 12.5%, amounting to MAD 88.3 billion.
Net Banking Income Performance
The consolidated Net Banking Income (NBI) reached MAD 5.422.5 billion, representing a 14.4% increase compared to the previous year.
This growth is attributed to an improvement in the net interest margin of 12.9%, enhanced commission margins, and strong performance in market activities.
Fourth Quarter Highlights
In the fourth quarter, the NBI flow amounted to MAD 1.381.6 billion, confirming a sustained pace of activity.
Individual NBI Growth
On an individual basis, the NBI rose to MAD 4.212.4 billion, reflecting a 10.2% improvement.
Successful Bond Issuance
Additionally, CIH Bank successfully completed a private placement of a subordinated bond totaling MAD 1 billion, structured in two tranches of MAD 500 million each, with a maturity of 10 years—one tranche at a fixed rate and the other at an annually adjustable rate.
