In 2024, the net profit share of the group (RNPG) of the credits (CDM) of Morocco recorded a clear growth from 47.3% to 741 million ie, which was consolidated by increasing the net banking product (PNB) and the risk costs were checked. According to the annual results presented by the bank, the consolidated PNB estimated 12.9% at the end of 2024 and reached 3.30 billion DH.
In detail, the clear interest margin has developed by 9.1% by supporting 2.42 billion DH by the good commercial dynamics of the bank and its subsidiaries of leasing and offshore. As for the margin for commissions, it deserves 5.4%, 460 million DH, in particular thanks to the development of the activities of specialectors, cash management and international trade. The market operations also recorded a result of 41.7%in order to be at 504 million DH and use a continuing dynamic of bond activities and changes.
The contribution of the subsidiaries to the PNB estimated 9.5%with a global turnover of around 202 million DH, also CDM.
The gross operating result was 1.70 billion DH and grew by 27.9%, used the combined effect of the development of the consolidated net banking product and the control of operating costs.
The operating coefficient was 48.6% in an improvement of 603 basis points compared to the end of December 2023. With the exception of extraordinary elements that were recorded in 2023 and 2024 (including a tax check in 2023), he would have recorded a decrease of 497 basis points. In addition, the bank invested 3524 million DH 2024, mainly in the technological area.
In 2024, the outstanding loans developed from 10.9% to 56.99 billion DH. The proof of business continues to develop to 33.31 billion DH (+13.6%), in particular on the performance that was recorded in terms of leasing (+64.4%) and devices for devices (+25.1%). The credits for individuals have developed from +5 % to 21.26 billion iconly with an increase in +11.7 % of the outstanding consumer loan and +3.6 % of the outstanding housing loan.
