The cost of risk spiked 231% to 3 billion dirhams, the bank said, adding it had deferred payments on loans for 210,000 customers.
Net banking income rose 5.1% to 12.4 billion dirhams.
Morocco's central bank asked banks to withhold dividends this year so they are better placed to deal with any fallout from the COVID-19 pandemic.
Attijariwafa operates subsidiaries in Cameroon, Congo-Brazzaville, Egypt, Gabon, Ivory Coast, Mali, Mauritania, Senegal, Tunisia and Togo as well as branches in Europe and the Gulf.
(Reporting by Ahmed Eljechtimi; Editing by Mark Potter)