Maputo, 24 May (AIM) – Mozambique’s largest commercial bank, the Commercial Investment Bank (BCI), owned by the Portuguese Caixa Geral de Depósitos (CGD), recorded, over the last year, profits of 3.604 billion meticais (55.7 million Us dollars at the current exchange rate), which corresponds to 40.3 percent drop.
According to the bank’s annual report and accounts, this result was impacted by the bank’s exposure to public debt. However, “the bank maintained its leading position in the national banking system, serving around 2.5 million customers in 2025.”
“Net profit was impacted by non-recurring factors, namely the increase in impairments for exposures to public debt in response to the worsening sovereign risk, as well as extraordinary costs associated with commission refund processes, while nevertheless remaining at a solid level”, reads the document.
The bank had announced that its profits fell 26.18 percent in 2024 to 6.039 billion meticais, compared with the record 8.181 billion meticais recorded in 2023.
The document also points out that bank’s total assets grew 3.96 percent to 240.527 billion meticais, including 72.269 billion meticais in gross loans to customers, down 7.59 percent compared with 2024, and 191.689 billion meticais in customer deposits, up 4.47 percent.
In terms of market share, BCI leads in deposits (24.32 percent of the banking sector total), lending (24.64 percent) and assets (21.96 percent), ending 2025 with 211 branches and 2,702 employees.
“Its presence continues to be the most extensive and far-reaching in the financial system. The 2025 indicators reflect a relationship of trust consistently built over time through a close presence and a service oriented towards the real needs of Mozambicans”, reads the report.
BCI has share capital of 10 billion meticais, with a shareholder structure led by Caixa Participações, part of the CGD group, which holds 51 percent. Portugal’s BPI bank holds 35.67 percent, while CGD directly holds 10.51 percent, among other shareholders.
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