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CIH Bank Risks Rise With 11B NPLs
Data from the Moroccan CIH Bank group reveals a significant increase in credit risk over the past four years, with non-performing loans rising by approximately 65% from the end of 2022 to the end of 2025, reaching around 11 billion dirhams. These risks have led to the creation of substantial provisions, and the bank has incurred risk costs amounting to about 4.15 billion dirhams, despite achieving profits and growth in its activities. The non-performing loans mainly concern the "other customers" category, including individuals, professionals, and non-financial companies, with a rapid deterioration in portfolio quality over the last two years. This has occurred amid the bank's expansion in granting loans and the continued rise in credit despite economic challenges such as inflation and declining purchasing power. This increase in risks comes at a time when non-performing loans are growing faster than new financing, posing a threat to asset quality in the future.
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