Balance sheet of Banks

In thousands of DH

assets To 31/12/2024	Amount
cash in hand, central banks, treasury and post office giro	61,034,872
claims on credit institutions and the like	218,315,742
- at sight	41,403,330
- at term	176,912,412
claims on customers	1,020,151,527
- Cash and consumer loans and participatory financing	320,538,311
- Equipment loans and participatory financing	285,464,534
- Real estate loans and participatory financing	285,419,414
- Other loans and participatory financing	128,729,268
claims acquired by factoring	23,635,339
trading and investment securities	325,536,606
- treasury bills and the like	195,143,018
- other dept securities	20,218,597
- title deeds	17,144
- title deeds	110,157,847
other assets	38,517,279
investment securities	106,593,373
- treasury bills and the like	92,369,863
- other debt securities	14,223,510
- Certificats de Sukuks	0
shareholdings and similar assets	75,742,563
- Participation dans les entreprises liées	55,523,489
- Autres titres de participation et emplois assimilés	20,582,145
- Titres de Moudaraba et Moucharaka	0
subordinate claims	339,770
Dépôts d'investissement placés	3,828,997
leases and letting	3,388,963
Immobilisations données en Ijara	826
intangible assets	9,326,484
tangible assets	22,310,316
Total	1,908,722,657

In thousands of DH

liabilities To 31/12/2024	Amount
central banks, treasury and post office giro	897
amounts owed to credit institutions and similar	239,516,362
- at sight	23,468,488
- time	216,047,874
customer deposits	1,274,984,261
- sight accounts	910,469,249
- saving accounts	187,498,431
- time deposits	134,334,188
- other credit accounts	42,682,393
Dettes envers la clientèle sur produits participatifs	5,417
issued debt securities	67,736,808
- negotiable debt instruments	60,399,116
- bonds	7,337,692
- other issued debt securities	0
other liabilities	53,656,376
provisions for losses and expenses	26,079,390
legal provisions	178,680
subsidies, assigned public funds and special guarantee funds	3,984,452
subordinate debts	62,817,646
Dépôts d'investissement reçus	283,003
reevaluation differential	420
reserves and share premiums	118,745,523
capital	31,729,854
shareholders, non paid-up capital (-)	-48,000
retained earnings ( /-)	13,773,980
proceeding allocation of net profit ( /-)	-421,924
net profit of the year ( /-)	15,699,512
Total	1,908,722,657

In thousands of DH

Off-balance sheet To 31/12/2024	col6-amount
given commitments	433,451,583
- financing commitments in favor of credit institutions and similar	6,805,788
- financing commitments in favor of customers	207,633,356
- guaranteed commitments ordered by credit institutions and similar	58,550,445
- guaranteed commitments ordered by customers	145,574,744
- securities bought with repurchase option	0
- other securities	14,887,250
received commitments	169,814,778
- financing commitments received from credit institutions and similar	11,025,361
- guaranteed commitments received from credit institutions and similar	102,700,784
- guaranteed commitments received from the governement and guarantee institution	53,654,918
- securities sold with option of repurchasing	0
- other receiveable securities	2,433,715
- Titres de Moucharaka et Moudaraba à recevoir	0