The Central Bank of Morocco has presented its 22nd Annual Report on Banking Supervision for the 2025 financial year, describing a banking sector that expanded lending and deposits, improved profitability and maintained capital and liquidity buffers above regulatory minimums. The report also shows the central bank renewing its call for prudence in dividend distributions for the 2025 financial year, while broadening supervision beyond traditional banking risks to climate-related financial risks, cybersecurity, digitalization and new digital financial services. During 2025, loans increased by 6.5% and customer deposits by 7.6%. The non-performing loan ratio fell to 8.3% on a solo basis and 8.8% on a consolidated basis, while aggregate profits of conventional banks rose by 22% and participatory banks continued to improve profitability after turning positive in 2023. Average capital adequacy and Tier 1 ratios stood at 16.1% and 13.5%, compared with minimum requirements of 12% and 9%. On the regulatory front, the central bank issued directives on climate risk-related financial disclosures and on data collection for large borrowers' climate exposures, strengthened cyber-risk supervision with the General Directorate for Information Systems Security, supported the launch of crowdfunding, published a fintech application guide in December 2025, contributed to the draft law on crypto-assets and launched a project to build an open banking regulatory framework. It also advanced crisis-management reforms by submitting the draft bank resolution reform to Parliament and finalizing a draft law on the direct transferability of non-performing loans, alongside a circular governing their classification and provisioning. The report also points to further supervisory work ahead of Morocco's third-round mutual evaluation by MENAFATF in November 2026, with stronger anti-money laundering and counterterrorist financing oversight and coordination with the National Financial Intelligence Authority. Separate 2025 measures included adoption of a charter on financing and supporting very small enterprises and additions to the customer-protection framework, including checks on account closure and guarantee-release practices, mystery shopping surveys, stronger fee transparency and better physical and digital accessibility for persons with disabilities.
Central Bank of Morocco2026-07-21
Central Bank of Morocco presents 2025 banking supervision report, renews call for prudent bank dividend distributions
The Central Bank of Morocco's 2025 Banking Supervision Report shows stronger lending, deposits and profitability, lower non-performing loan ratios and capital levels above regulatory minimums, alongside a renewed call for prudent dividend distributions. It also highlights new supervisory measures on climate disclosures, cyber risk and digital finance, as well as progress on bank resolution and non-performing loan transfer reforms. AML/CFT and customer-protection oversight were also strengthened.