BMCI saw a strong year in 2025, with consolidated net profit rising nearly 29% to 420 million dirhams. Net profit for the bank alone jumped to 550 million dirhams.
Revenue growth helped, with net banking income up 4.4% to 3.94 billion dirhams, driven by higher commissions and interest margins. Market trading also added to results, supported by favourable currency conditions. Costs were kept under control, with management expenses rising only slightly, improving the cost-to-income ratio to 57.4%.
Gross operating profit increased 8.6% to 1.68 billion dirhams. Risk costs went up in consolidated accounts due to higher provisions, but fell in the bank’s own accounts, showing improved loan quality. Lending to customers fell slightly after a strong year in 2024, while deposits grew 4.4%, helped by active collection, especially in low-interest products. Off-balance sheet commitments also rose sharply.
BMCI said its fundamentals remain solid, with solvency and liquidity ratios above regulatory requirements. Fitch Ratings kept the bank’s high long- and short-term ratings.
The bank also launched strategic initiatives, including early-stage talks between BNP Paribas and Holmarcom on a possible stake sale. It invested in innovation and training through a partnership with École Centrale Casablanca, and continued its focus on sustainable finance with forums and green financing partnerships. Its workplace practices were recognised with a renewed “Top Operator” certification.
Hicham Seffa, President of BMCI’s management board, said: “2025 was a strong year. We bounced back after challenges and improved both activity and cost control.
“We handled risks well, and our results hit record levels, nearly 29% growth consolidated and almost 90% in our own accounts. Our regulatory ratios are strong, giving us confidence to grow further.”
On business strategy, Seffa said: “We made our presence stronger across different segments and stayed ahead of specialised competitors. We focus on high-value products for corporate clients and maintain strong service, both in person and digitally. We invested in our staff and certifications, showing our commitment.”
On sustainability, he said: “BMCI confirmed its focus on sustainable finance in 2025. Despite good rainfall, climate challenges remain, and our foundation works actively in culture, solidarity, and the environment.”
Seffa concluded: “2026 will bring its own challenges, internal, national, and global. We have the tools and foundation to face them.”
