Saham Bank is showing positive figures: a sharp increase in net profit in 2025, a PNB of 6.2 billion dirhams ($665.3 million), and an improved credit portfolio. The bank is strengthening its subsidiaries, continuing its digitalization through nabD, and increasing its dividend to 8 dirhams per share.
A confirmed transformation momentum. The Moroccan bank recorded remarkable financial performance in 2025, marked by a significant increase in profitability. The group’s net profit reached 1.7 billion dirhams, up 117% compared to 2024, confirming the rapid improvement of the bank’s financial fundamentals.
This performance comes in a specific context for the institution, which entered a new phase of development after the withdrawal of the Société Générale group and the bank’s acquisition by the Saham group. It reflects both the growing importance of specialized subsidiaries, the improvement in the quality of the credit portfolio, and better cost control. Beyond just financial rebound, these results illustrate the progressive consolidation of an integrated banking model that combines universal banking, specialized subsidiaries, and digital service development.
An all-encompassing development
The spectacular increase in Saham Bank’s profit in 2025 is first and foremost based on the strength of its banking activity. The group’s net banking income (PNB) reached 6.2 billion dirhams, up 6.9%, supported by the improvement in interest margin, the growth of commissions, and the increasing contribution of specialized subsidiaries. Among these subsidiaries, several entities played a crucial role in the group’s growth dynamics, particularly those operating in consumer credit, leasing, or specialized financial services. This diversification allows the bank to meet a wider range of financing needs while strengthening the complementarity between its different activities. The institution’s financial performance is also explained by a significant improvement in risk management. The cost of risk has significantly decreased, from around 911 million dirhams to 361 million, reflecting a better quality of assets and a more prudent management of the credit portfolio. At the same time, the volume of non-performing loans has decreased, strengthening the bank’s balance sheet.
On the commercial side, financing activity remains dynamic. Loan balances increased by 8.7%, reaching over 100 billion dirhams, while customer deposits exceeded 86 billion dirhams, confirming customer confidence and the bank’s ability to mobilize savings.
In parallel, Saham Bank continues its digital transformation. The development of digital solutions, particularly through the 100% digital bank nabD, as well as the launch of new activities like Saham Payments, are part of a strategy aimed at modernizing the banking offer and adapting to customers’ new habits.
In the end, these results reflect the emergence of a new strategic positioning for Saham Bank. After the withdrawal of the Société Générale group and its takeover by the Saham group, the institution is seeking to strengthen its national roots while consolidating a growth model based on business diversification, digitalization, and economic financing. The sharp increase in results in 2025 thus appears as a first sign of the bank’s ability to succeed in this transition and establish itself as a leading player in the Moroccan financial landscape.
