CIH Bank said it recorded strong financial growth in 2025, with higher assets, customer deposits and lending, according to preliminary results as of 31 December.
The bank’s consolidated total assets rose to 163.7bn dirhams, up 16.1% compared with the end of 2024.
Customer deposits increased to 99.5bn dirhams on a consolidated basis, marking a 17.8% annual rise. On a standalone basis, deposits reached 85.5bn dirhams, up 16.1%, mainly driven by demand deposits.
Lending also expanded during the year. Consolidated loans climbed to 118.1bn dirhams, compared with 101.2bn dirhams a year earlier, an increase of 16.7%. Standalone customer loans stood at 88.3bn dirhams, up 12.5%.
Consolidated net banking income reached 5.42bn dirhams, a rise of 14.4% from 2024. The bank said this was supported by a 12.9% increase in net interest margin, as well as growth in fees and market activities.
In the fourth quarter alone, net banking income totalled 1.38bn dirhams, reflecting sustained activity throughout the year. On a standalone basis, net banking income rose 10.2% to 4.21bn dirhams.
As part of efforts to strengthen its capital base, the bank issued 1bn dirhams in subordinated bonds through a private placement aimed at qualified investors. The issuance was divided into two unlisted tranches of 500m dirhams each, one at a fixed rate and the other with a rate reviewed annually, both with a 10-year maturity.
The results remain subject to board approval.
