Balance sheet of Banks

In thousands of DH

assets To 27/12/2022	Amount
cash in hand, central banks, treasury and post office giro	47,024,355
claims on credit institutions and the like	181,680,988
- at sight	35,150,672
- at term	146,530,316
claims on customers	891,889,587
- Cash and consumer loans and participatory financing	307,136,091
- Equipment loans and participatory financing	203,473,224
- Real estate loans and participatory financing	281,865,082
- Other loans and participatory financing	99,415,190
claims acquired by factoring	34,550,506
trading and investment securities	288,746,278
- treasury bills and the like	191,793,881
- other dept securities	13,398,778
- title deeds	128,348
- title deeds	83,425,271
other assets	41,148,216
investment securities	50,090,660
- treasury bills and the like	42,179,955
- other debt securities	7,910,705
- Certificats de Sukuks	0
shareholdings and similar assets	62,637,475
- Participation dans les entreprises liées	50,943,072
- Autres titres de participation et emplois assimilés	11,565,577
- Titres de Moudaraba et Moucharaka	0
subordinate claims	353,392
Dépôts d'investissement placés	2,482,125
leases and letting	2,542,208
Immobilisations données en Ijara	1,051
intangible assets	7,220,233
tangible assets	20,788,266
Total	1,631,155,340

In thousands of DH

liabilities To 27/12/2022	Amount
central banks, treasury and post office giro	13
amounts owed to credit institutions and similar	200,057,956
- at sight	19,902,672
- time	180,155,284
customer deposits	1,080,707,842
- sight accounts	741,322,888
- saving accounts	175,623,432
- time deposits	131,692,108
- other credit accounts	32,069,414
Dettes envers la clientèle sur produits participatifs	1,865
issued debt securities	67,285,829
- negotiable debt instruments	57,713,306
- bonds	9,509,727
- other issued debt securities	62,796
other liabilities	42,626,293
provisions for losses and expenses	20,715,037
legal provisions	1,765,944
subsidies, assigned public funds and special guarantee funds	4,175,329
subordinate debts	55,321,762
Dépôts d'investissement reçus	170,160
reevaluation differential	420
reserves and share premiums	109,986,338
capital	28,643,916
shareholders, non paid-up capital (-)	-48,000
retained earnings ( /-)	12,021,736
proceeding allocation of net profit ( /-)	-457,071
net profit of the year ( /-)	8,179,971
Total	1,631,155,340

In thousands of DH

Off-balance sheet To 27/12/2022	col6-amount
given commitments	415,272,282
- financing commitments in favor of credit institutions and similar	5,604,195
- financing commitments in favor of customers	201,420,079
- guaranteed commitments ordered by credit institutions and similar	71,342,379
- guaranteed commitments ordered by customers	121,504,036
- securities bought with repurchase option	3,544,021
- other securities	11,857,572
received commitments	472,628,308
- financing commitments received from credit institutions and similar	11,231,754
- guaranteed commitments received from credit institutions and similar	415,991,980
- guaranteed commitments received from the governement and guarantee institution	44,002,366
- securities sold with option of repurchasing	0
- other receiveable securities	1,402,208
- Titres de Moucharaka et Moudaraba à recevoir	0