O Millennium bim concluiu o exercício de 2025 com um crescimento robusto de 6,4% no Produto Bancário, atingindo mais de 19,2 mil milhões de meticais, num contexto marcado por desafios macroeconómicos e queda das taxas de juro. O desempenho reflete a estratégia consistente do banco, baseada na eficiência operacional, gestão prudente do risco e foco na expansão do negócio com clientes.
Crédito em alta e posição de mercado consolidada
O crédito a clientes cresceu 12,4%, totalizando 52,9 mil milhões de meticais, impulsionado pelo aumento da concessão de crédito a famílias e empresas. Esta dinâmica permitiu ao Millennium bim consolidar a sua quota de mercado, reforçando a liderança entre as instituições financeiras moçambicanas.
A qualidade da carteira de crédito manteve-se elevada, com o rácio de crédito vencido há mais de 90 dias fixado em 2,5% e a taxa de cobertura por imparidades acima de 275%, evidenciando uma gestão prudente e sustentável do risco.
Recursos de clientes e transformação digital
Os recursos de clientes registaram crescimento de 2,6%, atingindo 160,9 mil milhões de meticais, com destaque para o aumento de 15,7% nos depósitos à ordem. A base de clientes ultrapassa os 2,2 milhões, sendo que mais de 70% utilizam regularmente os canais digitais, incluindo a aplicação Smart IZI, reforçando a aposta do banco na transformação digital e na proximidade com os clientes.
Investimentos e eficiência operacional
O banco investiu na modernização tecnológica, melhoria de processos e renovação da rede de sucursais, refletindo-se num aumento de 7,4% nos custos operacionais. O resultado líquido foi de 201 milhões de meticais, uma redução em relação ao ano anterior, influenciada por imparidades extraordinárias associadas ao downgrade da dívida soberana moçambicana. Excluindo estes efeitos, o resultado líquido teria crescido cerca de 10,6%.
O activo total líquido atingiu 200,9 mil milhões de meticais, enquanto a situação líquida se fixou em 34,6 mil milhões de meticais. O rácio de crédito sobre depósitos manteve-se em 33%, permitindo continuidade na expansão da actividade creditícia. O rácio de solvabilidade de 41,6%, muito acima do mínimo regulamentar de 12%, demonstra a robustez financeira do banco.
Reconhecimento internacional e futuro promissor
O Millennium bim foi novamente distinguido internacionalmente, sendo eleito “melhor banco em Moçambique” nos prestigiados Euromoney Awards for Excellence, reconhecimento que valoriza desempenho financeiro, inovação tecnológica e inclusão financeira.
O presidente da Comissão Executiva, Rui Pedro, sublinhou que “2025 foi um ano exigente para o sector financeiro, marcado por factores externos que impactaram a rendibilidade”, destacando que os resultados refletem a confiança dos clientes e a consistência da estratégia do banco. O gestor reforçou ainda que o Millennium bim continuará a apostar na eficiência, inovação e apoio à economia moçambicana, mantendo sólida base de capital e liquidez.
O desempenho do banco em 2025 confirma a capacidade do Millennium bim em enfrentar contextos adversos, fortalecer a confiança dos clientes e contribuir de forma decisiva para o desenvolvimento económico do País.
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