Saham Bank achieved a record level of profitability in 2025.
Saham Bank closed the year 2025 with strong financial results, reflecting a phase of strategic consolidation and a clear transformation in its operational model. The bank reported an increase in its consolidated net banking income, achieving a collective net profit at an unprecedented level, supported by the growing contributions of its branches and subsidiaries.
The bank’s annual results showed a 6.9% rise in consolidated net banking income, exceeding 6.2 billion dirhams, while the collective net profit reached 1.7 billion dirhams, marking a record level of profitability. These figures reflect the bank’s ability to combine commercial growth with financial discipline and sustainable improvement in financial balances.
In terms of commercial activity, the bank’s loans recorded a significant increase, reaching 86.079 billion dirhams in social data, up by 8.6%, and 102.146 billion dirhams in consolidated data, up by 8.7%. This growth is attributed to strong performance in the corporate and individual sectors, supported by a portfolio of net banking products that enhances the bank’s results and confirms the effectiveness of its growth model across various markets.
Subsidiaries played a crucial role in diversifying performance sources, particularly in consumer financing, financial leasing, insurance banking, and participatory banking, which saw remarkable transformation in 2025.
Additionally, nabD, the fully digital bank affiliated with Saham Bank, helped meet customer digital needs and expand the customer base, while financial market companies enhanced the bank’s performance in terms of growth and diversification of consolidated net banking products.
At the institutional level, Saham Bank maintained robust regulatory indicators, recording a capital adequacy ratio of 14.33% and a Tier 1 capital ratio of 13.85%, reflecting the solidness of its balance sheet and flexibility of the banking model in a challenging financial environment. The bank also received a Ba1 rating with a positive outlook from Fitch and Moody’s, reflecting market confidence in its financial strategy.
Strategically, 2025 represented a pivotal year with Saham Bank’s independence from Société Générale France, allowing the bank to strengthen its brand independence and operational tools. This transformation contributed to improving operational efficiency, developing digital capabilities, and enhancing decision-making speed and flexibility.
