Outstanding bank credit in Morocco reached 1,258.1 billion Dirhams (MMDH) in 2025, showing an annual increase of 8%, according to the latest data published by Bank Al-Maghrib (BAM) in its table “Bank Loans and Deposits” on board.

This dynamic reflects a contrasting evolution according to categories of economic agents. Loans to non-financial agents have grew by 4.7% year-on-year, while those for agents financial markets recorded a strong increase of 23.2%, reflecting a intensification of operations within the financial sector.

On the side of private non-financial companies, bank loans increased by 3% over one year. This growth is mainly driven by the significant increase in equipment loans, in increase of 13.9%, a sign of renewed productive investment. Loans to real estate development have also contributed to this development, with a increase of 5.6%.

On the other hand, cash facilities fell by 4.1 %, indicating a decrease in short-term financing needs or a tightening of grant conditions in this segment.

For households, loans increased by 3.6% on a year-on-year basis. This trend can be explained in particular by the increase of 3.3 % of home loans and 5% of consumer loans, confirming a moderate recovery in domestic demand.

Overall, these figures reflect a controlled expansion of bank credit in 2025, supported by investment and household demand, in a context of system consolidation Moroccan financier.