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Attijariwafa bank (ATW) investor relations material
Attijariwafa bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Achieved strong growth in 2025, with net banking income up 5.6% year-over-year to MAD 34.9 billion and consolidated net income up 14.4% to MAD 12.4 billion, driven by robust commercial activity and improved risk management.
Net income group share rose 16.2% to MAD 10.6 billion, with return on average assets at 1.63% and return on average tangible equity at 22.8%.
Completed the Ambitions 2025 strategic plan, exceeding key objectives and reinforcing leadership in African banking.
Board proposes a dividend of MAD 22 per share for 2025.
Financial highlights
Total consolidated assets reached MAD 795.5 billion (+9.5% year-over-year).
Consolidated shareholders' equity stood at MAD 80.5 billion (+11.0%).
Gross operating income was MAD 21.7 billion (+5.3%).
Cost of risk decreased by 13% to MAD 3.7 billion.
Earnings per share increased to MAD 49.48 from MAD 44.18.
Outlook and guidance
Preparing a new strategic plan for 2026–2030, focusing on responsible, inclusive, and sustainable growth.
Continued focus on digitalization, financial inclusion, and decarbonization initiatives.
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