Balance sheet of Banks

In thousands of DH

assets To 25/07/2023	Amount
cash in hand, central banks, treasury and post office giro	49,829,942
claims on credit institutions and the like	195,992,882
- at sight	31,801,476
- at term	164,191,406
claims on customers	913,541,230
- Cash and consumer loans and participatory financing	321,633,058
- Equipment loans and participatory financing	209,955,303
- Real estate loans and participatory financing	282,818,275
- Other loans and participatory financing	99,134,594
claims acquired by factoring	36,951,039
trading and investment securities	269,929,102
- treasury bills and the like	173,504,096
- other dept securities	14,288,404
- title deeds	63,990
- title deeds	82,072,612
other assets	37,748,813
investment securities	77,419,795
- treasury bills and the like	66,975,720
- other debt securities	10,444,075
- Certificats de Sukuks	0
shareholdings and similar assets	64,097,065
- Participation dans les entreprises liées	51,550,637
- Autres titres de participation et emplois assimilés	12,546,428
- Titres de Moudaraba et Moucharaka	0
subordinate claims	351,230
Dépôts d'investissement placés	2,948,408
leases and letting	2,699,270
Immobilisations données en Ijara	1,005
intangible assets	7,651,847
tangible assets	20,916,060
Total	1,680,077,688

In thousands of DH

liabilities To 25/07/2023	Amount
central banks, treasury and post office giro	108
amounts owed to credit institutions and similar	210,006,697
- at sight	24,573,485
- time	185,433,212
customer deposits	1,128,886,605
- sight accounts	774,844,302
- saving accounts	179,043,297
- time deposits	142,566,933
- other credit accounts	32,432,073
Dettes envers la clientèle sur produits participatifs	4,399
issued debt securities	62,277,876
- negotiable debt instruments	53,277,173
- bonds	8,958,018
- other issued debt securities	42,685
other liabilities	31,286,756
provisions for losses and expenses	20,328,648
legal provisions	1,705,242
subsidies, assigned public funds and special guarantee funds	3,725,329
subordinate debts	58,074,451
Dépôts d'investissement reçus	201,410
reevaluation differential	420
reserves and share premiums	112,550,152
capital	29,025,778
shareholders, non paid-up capital (-)	-48,000
retained earnings ( /-)	12,042,201
proceeding allocation of net profit ( /-)	-499,577
net profit of the year ( /-)	10,509,193
Total	1,680,077,688

In thousands of DH

Off-balance sheet To 25/07/2023	col6-amount
given commitments	395,607,182
- financing commitments in favor of credit institutions and similar	5,368,844
- financing commitments in favor of customers	192,816,088
- guaranteed commitments ordered by credit institutions and similar	70,145,945
- guaranteed commitments ordered by customers	115,009,107
- securities bought with repurchase option	3,948,650
- other securities	8,318,548
received commitments	163,050,029
- financing commitments received from credit institutions and similar	4,298,344
- guaranteed commitments received from credit institutions and similar	117,681,377
- guaranteed commitments received from the governement and guarantee institution	39,280,576
- securities sold with option of repurchasing	0
- other receiveable securities	1,789,732
- Titres de Moucharaka et Moudaraba à recevoir	0