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Attijariwafa bank (ATW) investor relations material
Attijariwafa bank Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
H1 2026 net banking income rose 4.0% YoY to MAD 18.4bn; net income increased 2.3% to MAD 7.1bn, while net income group share grew 1.1% to MAD 5.9bn.
Total assets reached MAD 825.3bn, up 11.9% from June 2025; consolidated shareholders’ equity was MAD 81.1bn, up 8.4%.
Financial highlights
Operating income rose 3.3% to MAD 10.4bn; gross operating income increased 1.5% to MAD 11.6bn.
Consolidated net interest margin was MAD 11.2bn versus MAD 10.4bn in H1 2025; net fee income reached MAD 3.6bn versus MAD 3.5bn.
EPS was MAD 27.63, compared with MAD 27.32 in H1 2025; diluted EPS was also MAD 27.63.
Parent-company net income rose 8.7% YoY to MAD 5.6bn; parent net banking income increased 4.0% to MAD 11.7bn.
Outlook and guidance
GOAL 2030 targets accelerated digital and AI transformation, stronger pan-African leadership, an open and human-centered bank, and deeper integration and synergies across businesses.
Strategic priorities include supporting major Moroccan projects and sustainable, profitable, and inclusive growth across markets of operation.
- Net banking income and net profit rose, with risk costs down and strong deposit growth achieved.ATW
Q1 2026 - 2025 saw double-digit net income growth, improved risk profile, and a higher dividend proposal.ATW
Q4 2025 - Net income rose 13.4% to MAD 9.6 billion, driven by higher income and lower cost of risk.ATW
Q3 2025 - Net banking income rose 16.6% to MAD 17.0 billion, with strong loan and deposit growth.ATW
Q2 2024 - Net income surged 19.6% in H1 2025, with robust loan growth and digital banking leadership.ATW
Q2 2025 - Net banking income surged 24.2% year-over-year, with robust growth in loans and deposits.ATW
Q1 2024 - Net income group share up 35.7% in H1 2024, with strong growth and digital leadership.ATW
H1 2024 - Net banking income and profitability rose sharply, driven by growth in loans, deposits, and market activities.ATW
Q3 2024 - Net banking income up 15% and net income up 28.9%, with strong digital and capital growth.ATW
H2 2024
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