Attijariwafa bank (ATW) Q2 2025 earnings summary

Executive summary

• Achieved strong financial results in H1 2025, with net income up 19.6% year-over-year, driven by robust commercial momentum and effective cost control.

• Continued leadership in savings mobilization, real economy financing, and digital banking in Morocco.

• Advanced decarbonization, financial inclusion, and entrepreneurial support initiatives.

Financial highlights

• Total consolidated assets reached MAD 737.4 billion, up 6.5% year-over-year.

• Net banking income rose 4.0% to MAD 17.7 billion; gross operating income increased 4.2% to MAD 11.4 billion.

• Net income grew 19.6% to MAD 6.9 billion; net income group share up 19.8% to MAD 5.9 billion.

• Cost of risk fell 36.8% to MAD 1.4 billion.

Outlook and guidance

• Benefiting from accelerating economic growth in Morocco, supported by strategic national programs.

• Focus on further strengthening profitability, capital ratios, and digital transformation.