Balance sheet of Banks

In thousands of DH

assets To 31/12/2023 Amount

cash in hand, central banks, treasury and post office giro

40,410,065

claims on credit institutions and the like

206,758,100

- at sight

31,471,328

- at term

175,286,772

claims on customers

966,504,018

- Cash and consumer loans and participatory financing

319,654,830

- Equipment loans and participatory financing

235,480,069

- Real estate loans and participatory financing

282,377,678

- Other loans and participatory financing

128,991,441

claims acquired by factoring

30,254,824

trading and investment securities

262,391,014

- treasury bills and the like

157,132,617

- other dept securities

18,194,201

- title deeds

0

- title deeds

87,064,196

other assets

37,889,434

investment securities

107,590,122

- treasury bills and the like

94,135,980

- other debt securities

13,454,142

- Certificats de Sukuks

0

shareholdings and similar assets

67,683,555

- Participation dans les entreprises liées

54,467,535

- Autres titres de participation et emplois assimilés

13,624,170

- Titres de Moudaraba et Moucharaka

0

subordinate claims

346,891

Dépôts d'investissement placés

3,176,496

leases and letting

3,212,000

Immobilisations données en Ijara

916

intangible assets

8,415,995

tangible assets

21,499,603

Total

1,756,133,033

In thousands of DH

liabilities To 31/12/2023 Amount

central banks, treasury and post office giro

103,108

amounts owed to credit institutions and similar

224,466,272

- at sight

23,570,147

- time

200,896,125

customer deposits

1,167,413,376

- sight accounts

819,799,891

- saving accounts

182,756,728

- time deposits

128,258,352

- other credit accounts

128,258,352

Dettes envers la clientèle sur produits participatifs

3,487

issued debt securities

64,932,278

- negotiable debt instruments

56,706,169

- bonds

8,226,109

- other issued debt securities

0

other liabilities

40,090,376

provisions for losses and expenses

21,559,787

legal provisions

495,647

subsidies, assigned public funds and special guarantee funds

3,725,329

subordinate debts

62,257,892

Dépôts d'investissement reçus

213,233

reevaluation differential

420

reserves and share premiums

115,891,345

capital

29,708,886

shareholders, non paid-up capital (-)

-48,000

retained earnings ( /-)

13,125,346

proceeding allocation of net profit ( /-)

-456,638

net profit of the year ( /-)

12,650,889

Total

1,756,133,033

In thousands of DH

Off-balance sheet To 31/12/2023 col6-amount

given commitments

416,215,660

- financing commitments in favor of credit institutions and similar

9,153,245

- financing commitments in favor of customers

203,018,057

- guaranteed commitments ordered by credit institutions and similar

61,187,731

- guaranteed commitments ordered by customers

131,021,154

- securities bought with repurchase option

4,189,759

- other securities

7,645,714

received commitments

168,316,794

- financing commitments received from credit institutions and similar

4,360,040

- guaranteed commitments received from credit institutions and similar

110,478,285

- guaranteed commitments received from the governement and guarantee institution

47,409,307

- securities sold with option of repurchasing

0

- other receiveable securities

6,069,162

- Titres de Moucharaka et Moudaraba à recevoir

0

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