The banking sector Morocco confirms the strengthening of its financial fundamentals, according to the Systemic Risk Coordination and Oversight Committee (CCSRS), meeting on Tuesday at the headquarters of Bank Al-Maghrib in Rabat for its twenty-second session. In a statement issued at the end of the meeting, the body underlines that” the banking sector shows sustained profitability and a good balance of its own funds.”

At the end of June 2025, the net result of the banking sector, established on a social basis, recorded a sustained growth of 25%. This performance is mainly attributed to the good performance of market and intermediation activities, specifies the CCSRS.

This dynamic has contributed to further strengthening the solvency of banks. On average, the Tier 1 capital ratio was 13.8%, while the Tier 1 capital ratio was 13.8% global reached 16.4%, levels well above the minima regulations set at 9% and 12% respectively. On a consolidated basis, these indicators stand at 12.3% for tier 1 capital and 14.3 % for the overall ratio at the end of the first half of 2025.

In addition, the tests of macroeconomic resistance led by Bank Al-Maghrib confirm the capacity the resilience of the banking sector in the face of possible shocks, while respecting the prudential requirements in force. The short-term liquidity ratio also remains above the regulatory threshold.

On the monetary side, the However, CCSRS notes that the need for bank liquidity should continue to: increase to reach 158 billion dirhams in 2027, especially in due to the expected increase in cash circulation. Despite this context, bank lending to the non-financial sector should accelerate, with a growth projected at 4.1% in 2025 and an average of 5% over the horizon projection. However, the rate of delinquent claims remains relatively high, standing at 8.7% at the end of September 2025, for a rate of 69% provisioning