Bank Al-Maghrib’s 2025 annual banking supervision report, presented by Nabil Badr, director of banking supervision, alongside deputies Ilham Zainane and Youssef Ghchioua, marks a strategic turning point, according to the daily L’Économiste. Rather than simply confirming the sector’s good health, the document reorients prudential strategy toward anticipating future threats — cybersecurity, climate risk, artificial intelligence and open banking. By the end of 2025, outstanding bank credit reached 1,238 billion dirhams, up 6.5 percent, while deposits grew 7.6 percent to surpass 1,372 billion dirhams. Non-performing loans edged down slightly to 8.26 percent of the total, though their volume continued climbing past 102 billion dirhams, prompting Bank Al-Maghrib to introduce a new category of “sensitive receivables” for early detection of borrower difficulties. Climate factors are also being folded into risk assessments, with banks required to measure clients’ exposure.