Balance sheet of Banks

In thousands of DH

assets To 30/06/2025	Amount
cash in hand, central banks, treasury and post office giro	50,246,023
claims on credit institutions and the like	232,215,359
- at sight	44,923,260
- at term	187,292,099
claims on customers	1,019,202,927
- Cash and consumer loans and participatory financing	313,706,545
- Equipment loans and participatory financing	303,025,292
- Real estate loans and participatory financing	289,172,089
- Other loans and participatory financing	113,299,001
claims acquired by factoring	20,681,608
trading and investment securities	342,038,184
- treasury bills and the like	204,635,609
- other dept securities	24,930,497
- title deeds	0
- title deeds	112,472,078
other assets	45,051,086
investment securities	102,423,365
- treasury bills and the like	88,129,846
- other debt securities	14,293,519
- Certificats de Sukuks	0
shareholdings and similar assets	76,151,454
- Participation dans les entreprises liées	55,504,654
- Autres titres de participation et emplois assimilés	20,826,854
- Titres de Moudaraba et Moucharaka	0
subordinate claims	540,219
Dépôts d'investissement placés	4,973,299
leases and letting	3,591,061
Immobilisations données en Ijara	782
intangible assets	9,632,629
tangible assets	23,370,647
Total	1,930,118,643

In thousands of DH

liabilities To 30/06/2025	Amount
central banks, treasury and post office giro	718
amounts owed to credit institutions and similar	220,514,732
- at sight	35,914,102
- time	184,600,630
customer deposits	1,313,720,315
- sight accounts	948,396,579
- saving accounts	190,124,741
- time deposits	131,806,985
- other credit accounts	43,392,010
Dettes envers la clientèle sur produits participatifs	6,806
issued debt securities	56,965,441
- negotiable debt instruments	49,869,116
- bonds	7,096,325
- other issued debt securities	0
other liabilities	61,289,296
provisions for losses and expenses	26,674,800
legal provisions	147,702
subsidies, assigned public funds and special guarantee funds	4,233,831
subordinate debts	61,457,391
Dépôts d'investissement reçus	272,097
reevaluation differential	420
reserves and share premiums	124,657,057
capital	32,059,712
shareholders, non paid-up capital (-)	-48,000
retained earnings ( /-)	15,034,718
proceeding allocation of net profit ( /-)	-389,753
net profit of the year ( /-)	13,521,360
Total	1,930,118,643

In thousands of DH

Off-balance sheet To 30/06/2025	col6-amount
given commitments	476,957,993
- financing commitments in favor of credit institutions and similar	7,163,385
- financing commitments in favor of customers	236,933,426
- guaranteed commitments ordered by credit institutions and similar	64,160,955
- guaranteed commitments ordered by customers	148,586,569
- securities bought with repurchase option	0
- other securities	20,113,658
received commitments	165,788,190
- financing commitments received from credit institutions and similar	9,391,777
- guaranteed commitments received from credit institutions and similar	100,893,624
- guaranteed commitments received from the governement and guarantee institution	54,625,716
- securities sold with option of repurchasing	0
- other receiveable securities	802,693
- Titres de Moucharaka et Moudaraba à recevoir	74,380