Parent company financial statements at December 31, 2022
FINANCIAL STATEMENTS
Balance Sheet at December 31, 2022 (thousand MAD)
OFFBALANCE SHEET at December 31 2022 thousand MAD
Balance Sheet
12/31/2022 12/31/2021
Cash and balances with central banks, the treasury and post office accounts
11 843 302 9 940 845
Loans and advances to credit institutions and similar establishments 41 458 254 35 290 598
. Sight 5 120 094 6 272 346
. Term 36 338 160 29 018 252
Loans and advances to customers 228 432 193 211 123 105
. Short-term & consumer loans and participatory financing 73 327 783 63 814 316
. Equipment loans and participatory financing 64 051 206 59 878 122
. Mortgage loans and participatory financing 67 548 836 64 681 007
. Other loans and participatory financing 23 504 368 22 749 660
Receivables acquired through factoring 10 126 307 11 915 919
Trading securities and available-for-sale securities 64 829 798 77 696 569
. Treasury bills and similar securities 42 817 539 51 664 088
. Other debt securities 3 613 561 7 549 502
. Fixed income Funds 18 365 334 18 416 061
. Sukuk Certificates 33 364 66 918
Other assets 6 043 960 5 371 430
Investment securities 10 689 554 9 493 962
. Treasury bills and similar securities 9 212 598 9 493 962
. Other debt securities 1 476 956
. Sukuk Certificates
Investments in affiliates and other long-term investments 21 547 993 20 612 775
. Investments in affiliates companies 19 840 100 19 489 472
. Other and similar investments 1 707 892 1 123 303
. Moudaraba and mourabaha securities
Subordinated loans
Investment deposits given
Leased and rented assets
482 410 466 306
Fixed assets given in Ijara
Intangible assets 2 652 692 2 587 533
Property, plant and equipement 2 219 320 2 234 188
Total Assets 400 325 782 386 733 229
LIABILITIES
12/31/2022 12/31/2021
Amounts owing to central banks, the treasury and post office accounts
Amounts owing to credit institutions and similar establishments 38 104 278 35 471 217
. Sight 4 587 176 3 731 839
. Term 33 517 102 31 739 378
Customer deposits 273 892 280 261 096 974
. Current accounts in credit 204 173 053 189 681 086
. Savings accounts 30 859 847 30 014 697
. Term deposits 25 688 321 30 436 677
. Other accounts in credit 13 171 059 10 964 514
Debts to customers on participatory financing
Debt securities issued 8 967 481 11 223 671
. Negociable debt securities 8 967 481 11 223 671
. Bonds
. Other debt securities issued
Other liabilities 8 810 657 10 880 506
General provisions 4 943 643 4 216 283
Regulated provisions 252 000 378 000
Subsidies, public funds and special guarantee funds
Subordinated debt 17 367 326 16 486 189
Investment deposits received
Revaluation reserve 420 420
Reserves and premiums related to share capital 34 014 222 34 012 254
Share capital 2 151 408 2 151 408
Shareholders, unpaid share capital (-)
Retained earnings 7 587 226 6 716 822
Net income to be allocated
Net income for the financial year 4 234 840 4 099 484
Total liabilities 400 325 782 386 733 229
OffBalance
12312022 12312021
COMMITMENTS GIVEN
184 325 869 157 116 356
Financing commitments given to credit institutions and similar establishments 3 484 290 2 526 017
Financing commitments given to customers 99 013 515 79 515 849
Guarantees given to credit institutions and similar establishments 22 058 723 16 000 264
Guarantees given to customers 59 754 206 59 043 265
Securities purchased with repurchase agreement
Other securities to be delivered 15 135 30 961
COMMITMENTS RECEIVED 44 777 763 34 970 585
Financing commitments received from credit institutions and similar establishments
Guarantees received from credit institutions and similar establishments 44 369 529 34 545 570
Guarantees received from the State and other organisations providing guarantees 408 234 424 153
Securities sold with repurchase agreement
Other securities to be received 862