Balance sheet of Banks

In thousands of DH

assets To 30/06/2024	Amount
cash in hand, central banks, treasury and post office giro	41,142,197
claims on credit institutions and the like	217,907,314
- at sight	39,706,063
- at term	178,201,251
claims on customers	972,314,219
- Cash and consumer loans and participatory financing	304,285,676
- Equipment loans and participatory financing	259,836,384
- Real estate loans and participatory financing	284,453,871
- Other loans and participatory financing	123,738,288
claims acquired by factoring	25,632,768
trading and investment securities	297,538,299
- treasury bills and the like	182,902,256
- other dept securities	21,643,749
- title deeds	1,595,966
- title deeds	91,396,328
other assets	42,232,409
investment securities	104,366,157
- treasury bills and the like	90,302,346
- other debt securities	14,063,811
- Certificats de Sukuks	0
shareholdings and similar assets	67,857,658
- Participation dans les entreprises liées	54,274,096
- Autres titres de participation et emplois assimilés	14,044,758
- Titres de Moudaraba et Moucharaka	0
subordinate claims	342,918
Dépôts d'investissement placés	3,365,490
leases and letting	3,242,495
Immobilisations données en Ijara	871
intangible assets	8,810,880
tangible assets	21,500,280
Total	1,806,253,955

In thousands of DH

liabilities To 30/06/2024	Amount
central banks, treasury and post office giro	957
amounts owed to credit institutions and similar	223,669,944
- at sight	24,007,025
- time	199,662,919
customer deposits	1,199,144,900
- sight accounts	842,193,580
- saving accounts	186,810,531
- time deposits	130,240,080
- other credit accounts	39,900,709
Dettes envers la clientèle sur produits participatifs	2,075
issued debt securities	67,571,224
- negotiable debt instruments	59,555,150
- bonds	8,016,074
- other issued debt securities	0
other liabilities	50,037,702
provisions for losses and expenses	22,799,201
legal provisions	337,164
subsidies, assigned public funds and special guarantee funds	3,942,310
subordinate debts	64,846,127
Dépôts d'investissement reçus	266,800
reevaluation differential	420
reserves and share premiums	119,244,657
capital	30,276,854
shareholders, non paid-up capital (-)	-48,000
retained earnings ( /-)	13,775,657
proceeding allocation of net profit ( /-)	-421,924
net profit of the year ( /-)	10,807,887
Total	1,806,253,955

In thousands of DH

Off-balance sheet To 30/06/2024	col6-amount
given commitments	445,346,647
- financing commitments in favor of credit institutions and similar	11,531,275
- financing commitments in favor of customers	222,624,092
- guaranteed commitments ordered by credit institutions and similar	54,584,460
- guaranteed commitments ordered by customers	137,815,329
- securities bought with repurchase option	0
- other securities	18,791,491
received commitments	174,941,794
- financing commitments received from credit institutions and similar	6,252,239
- guaranteed commitments received from credit institutions and similar	101,208,262
- guaranteed commitments received from the governement and guarantee institution	59,663,050
- securities sold with option of repurchasing	0
- other receiveable securities	7,818,243
- Titres de Moucharaka et Moudaraba à recevoir	0