Crédit Agricole du Maroc

Crédit Agricole du Maroc (CAM) is a public bank created in 1961 as the Caisse Nationale de Crédit Agricole and licensed by Bank Al-Maghrib under banking law 103-12. Its capital is majority-owned by the Moroccan State (around 75%), the balance being held by Moroccan institutional investors; the bank is run by a management board chaired by Mohammed Fikrat under the oversight of a supervisory board. Its historical mission — financing agriculture and rural Morocco — now sits alongside a full universal-banking offer for individuals, professionals and companies.

Key 2025 figures: according to the release covered by Challenge.ma, the group's outstanding loans reached 129 billion dirhams at end-December 2025 (+13% year on year, versus 114 billion at end-2024) and savings collected 128 billion (+11%). Consolidated net banking income came to 5.2 billion dirhams (+9%), parent-company NBI to 4.8 billion (+7%). In 2025 the bank also strengthened its capital through perpetual subordinated bond issues placed with institutional investors.

Mortgages: CAM sells the classic Crédit Habitat (purchase, construction, land) plus a product with no market equivalent, Sakan Qaraoui, a rural mortgage released in tranches to buy land, build and fit out a home. The bank publishes no public rate grid: according to our 2026 mortgage-rate barometer, fixed rates observed on the Moroccan market range from 3.75% (prime profiles) to 4.80% (counter offer), with most offers between 4.10 and 4.50%. CAM is particularly competitive for civil servants and public-sector employees and distributes the Damane Assakane state-guaranteed loans.

Consumer and car loans: the CAM Express consumer loan is offered, according to our 2026 comparison of 10 lenders, at 5 to 8% for a cap of MAD 250,000 over a maximum of 72 months, with an average processing time of 5 to 12 days in branch. For new-car loans, our 7-bank comparison records rates of 5.2 to 7.0% for a cap of MAD 500,000 over 72 months. These ranges are indicative: only the contractual offer issued by the bank is binding.

Agriculture and subsidiaries: the group finances the farming season through Tamwil El Fellah (subsidised credit for small and medium farms, at 4 to 6% according to our multi-risk farm insurance guide), the Ardi Foundation for micro-credit, CAM Leasing, CAM Factoring, Al Filahi Cash and MSIN (brokerage). Its participatory subsidiary Al Akhdar Bank offers real estate and car Mourabaha; see how it compares with the other participatory banks in our 2026 Mourabaha comparison.

Digital and network: Hssab-e is CAM's fully remote account-opening channel, offered as packs by customer profile; its 18-25 Youth Pack costs about MAD 18 per month according to our 2026 Hssab-e review. The bank also offers Bank-E Online, the CAM Pay mobile payment service, the Beztam-E wallet and Imtiyazat-E, presented as the first banking app dedicated to farmers. The official website lists more than 489 branches, with unmatched density in secondary towns and rural areas (Beni Mellal, Settat, Berkane, Souss, Gharb).

Applying for a CAM loan, step by step: 1) simulate your project with our calculators; 2) gather your national ID, last three payslips or proof of farm income, three bank statements, employer certificate, preliminary sales agreement or quotes; 3) file the application in branch (or through Bank-E Online for existing customers); 4) approval in principle, property appraisal for mortgages, then signature of the offer; 5) for a home loan, allow several weeks between a complete file and disbursement at the notary.

Complaints and recourse: first send a written complaint to your branch or CAM's customer service — credit institutions must reply within 40 working days. If the answer is unsatisfactory, refer the matter free of charge to the Moroccan Banking Mediation Centre, then as a last resort to Bank Al-Maghrib. In case of arrears, our banking mediation guide walks through the steps. Deposits are covered by the collective deposit guarantee fund managed by the SGFG up to MAD 80,000 per depositor.

Wafir.ma is an independent comparison site: we are neither a credit institution licensed by Bank Al-Maghrib nor an insurance intermediary licensed by ACAPS. Rates quoted are observed market ranges, not an offer from Crédit Agricole du Maroc.