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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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Attijariwafa bank (ATW) investor relations material
Attijariwafa bank H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary29 Jul, 2025
Executive summary
Achieved strong financial performance in H1 2025, with net income up 19.6% year-over-year to MAD 6.9 billion and net banking income rising 4% to MAD 17.7 billion, driven by robust commercial activity in deposits and loans.
Cost of risk declined sharply by 36.8% to MAD 1.4 billion, supporting improved profitability and capital ratios.
Continued leadership in digital banking, with over 95% of operations processed digitally and significant growth in digital platform usage.
Financial highlights
Total consolidated assets reached MAD 737.4 billion (+6.5% YoY), and consolidated shareholders' equity rose to MAD 74.8 billion (+11.9% YoY).
Gross operating income increased 4.2% to MAD 11.4 billion; cost-income ratio improved to 35.3% (down 20 bps YoY).
Net income group share was MAD 5.9 billion (+19.8% YoY); standalone net income grew 25.2% to MAD 5.2 billion.
Loans to customers at amortised cost stood at MAD 417.4 billion; customer deposits at MAD 486.8 billion.
Outlook and guidance
Expects continued growth, leveraging Morocco's accelerating economic environment and ongoing strategic programs.
Focus remains on digital transformation, financial inclusion, and sustainable development initiatives.
What drove the 36.8% cost of risk drop?
What strategies drove loan market share gains?
What specific digital operations drove growth?
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Next Attijariwafa bank earnings date
Q3 202528 Nov, 2025
Next Attijariwafa bank earnings date
Q3 202528 Nov, 2025
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