Stocks Market
CIH Bank Surpasses MAD 1 Billion Net Profit in 2025 with 24.4% Growth
CIH Bank achieved exceptional financial performance in 2025, with consolidated net profit growth reaching MAD 1,089.4 million (24.4% increase). The bank expanded its commercial network by opening 11 new branches and 139 ATMs, while increasing its cash capital by MAD 1.5 billion and issuing new bonds to strengthen its financial position.
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CIH Bank (CSEMA:CIH) delivered a stellar 2025 performance, with consolidated net profit growth hitting MAD 1,089.4 million - a 24.4% increase over 2024. This surge was driven by a 14.4% rise in Net Productive Banking Gross (NPBG) to MAD 5,422.5 million, boosted by interest margin improvements (12.9%) and stellar market operations growth (14%).
The bank's strategic initiatives proved effective: 11 new branches and 139 ATMs expanded its network to 437 branches and 1,221 ATMs. A MAD 1.5 billion capital injection and bond issuance strengthened its balance sheet. Fitch Ratings maintained the 'BB' stable outlook, recognizing improved risk management with gradually declining risk costs (-9 basis points) to 0.75%.
Shareholders received good news with the proposed MAD 14 dividend per share. The board also announced a strategic 2030 roadmap focusing on client-centric value creation, while SOFAC and subsidiaries contributed significantly to consolidated performance. Key metrics include:
- Net Margin: 24.4% growth in RNPG
- Risk Management: Cost of risk down to 0.75%
- Expansion: 25+ new digital infrastructure points
Analysts at Agr recommend maintaining a 'buy' position with a 492 DH target price, reflecting confidence in sustained growth potential.