Saham Bank maintained strong momentum in the first half of 2025, posting solid gains across all key financial indicators. The bank’s consolidated net banking income reached 3.096 billion dirhams, marking a year-over-year increase of 9.79%. Excluding dividends, its standalone performance also showed growth, with net banking income rising 6.16% to 2.483 billion dirhams.
This robust performance was largely driven by improvements in both interest margins and fee income—two critical pillars the bank has successfully leveraged in an increasingly competitive market environment.
Loan volumes continued to climb steadily. Consolidated outstanding loans stood at 97.95 billion dirhams as of the end of June, up 6.46% from the same period in 2024. On a standalone basis, loans totaled 82.07 billion dirhams, reflecting a 5.60% increase.
Customer deposits showed even stronger growth. Excluding certificates of deposit, consolidated client deposits surged to 85.46 billion dirhams, an impressive 17.82% jump year-over-year. Standalone deposits followed a similar trajectory, rising 18.02% to reach 84.03 billion dirhams.
The bank’s fundamentals remain sound. Regulatory capital ratios continue to exceed required thresholds, with a solvency ratio of 14.85% and a Tier 1 capital ratio of 13.33%, underscoring Saham Bank’s financial resilience and prudent management.
