Shareholding structure at December 31, 2022(thousand MAD)

Appropriation of income at December 31, 2022(thousand MAD)

Amount Amount

A- origin of appropriated income

B- Appropriation of income

Earnings brought forward 6 716 822 to legal reserve 1 968

Net income awaiting appropriation Dividends 3 227 112

Net income for the financial year 4 099 484 Other items for appropriation

Deduction from income Earnings carried forward 7 587 226

Other deductions

TOTAL A 10 816 306 TOTAL B 10 816 306

Branch network at December 31, 2022 (in numbers)

BRANCH NETWORK 12/31/2022 12/31/2021

Permanent counters 957 1 007

Occasional counters

Cash dispensers and ATMs

1 537 1 398

Branches in Europe 46 47

Representative offices in Europe and Middle-East 6 5

Staff at December 31, 2022(in numbers)

STAFF

12/31/2022 12/31/2021

Salaried staff

8 094 8 345

Staff in employment 8 094 8 345

Full-time staff 8 094 8 345

Administrative and technical staff (full-time)

Banking staff (full-time)

Managerial staff (full-time) 4 930 4 896

Other staff fulltime 3 164 3 449

Including Overseas staff 55 53

Name of main shareholders or associates Adress

Number of shares held

% of share

capital

Previous period current period

A- DOMESTIC SHAREHOLDERS

* AL MADA 60, RUE D'ALGER , CAASBLANCA 100 135 387 100 135 387 46.50%

* UCITS AND OTHER SHAREHOLDERS

**************************

42 120 632 40 586 788 18.90%

* GROUPE MAMDA & MCMA 16 RUE ABOU INANE RABAT 13 222 621 13 222 621 6.10%

* REGIME COLLECTIF D'ALLOCATION ET DE RETRAITE Hay Riad - B P 20 38 - Rabat Maroc 12 275 682 12 710 762 5.90%

* WAFA ASSURANCE 1 RUE ABDELMOUMEN CASA 13 602 015 13 602 015 6.30%

* CIMR BD ABDELMOUMEN CASA 8 850 987 8 850 987 4.10%

* BANK STAFF

**************************

4 668 660 5 308 859 2.50%

* CAISSE MAROCAINE DE RETRAITE

AVENUE AL ARAAR, BP 2048, HAY RIAD, RABAT

5 174 512 5 593 077 2.60%

* RMA WATANIYA 83 AVENUE DES FAR CASA 2 049 754 2 049 754 1.00%

* CAISSE DE DEPOT ET DE GESTION 140 PLACE MY EL HASSAN RABAT 1 393 091 1 393 091 0.60%

* AXA ASSURANCES MAROC 120 AVENUE HASSAN II CASA 679 244 719 244 0.30%

B- FOREIGN SHAREHOLDERS

*SANTUSA HOLDING AVND CANTABRIA S/N 28660 BOADILLA DEL MONTE MADRID ESPAGNE 10 968 254 10 968 254 5.10%

TOTAL 215 140 839 215 140 839 100%

Detailed information on value added tax at December 31, 2022(thousand MAD)

TYPE

Balance at the beginning

of the exercise

1

transactions liable to VAT

during the period

2

VAT declarations during

the period

3

Balance at the end

of the exercise

(1+2-3=4)

A. VAT collected 174 080 1 443 506 1 468 238 149 348

B. Recoverable VAT 250 941 481 594 505 672 226 863

On expenses 91 316 352 467 382 792 60 991

On fixed assets 159 625 129 127 122 880 165 872

C. VAT payable or VAt credit = (A-B)-76 861 961 912 962 566 -77 515

Summary of key items over the last three periods at December 31 2022thousand MAD

NATURE DECEMBER 2022 DECEMBER 2021 DECEMBER 2020

SHAREHOLDERS EQUITY AND EQUIVALENT

47 988 116 46 980 388 43 095 011

OPERATIONS AND INCOME IN FY

Net banking income 13 475 010 13 069 490 12 184 603

Pretax income 5 966 731 5 645 280 3 648 628

Income tax 1 731 891 1 545 796 1 330 010

Dividend distribution 3 227 112 2 308 456 2 833 106

PER SHARE INFORMATION IN MAD

Earning per share

Dividend per share

1500 1100 1350

STAFF

Staff Costs

2 352 366 2 273 129 2 241 884

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