Balance sheet of Banks

In thousands of DH

assets To 30/06/2023 Amount

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

50,846,668

claims on credit institutions and the like

206,599,497

- at sight

34,776,215

- at term

171,823,282

claims on customers

923,601,949

- Cash and consumer loans and participatory financing

316,923,096

- Equipment loans and participatory financing

220,828,882

- Real estate loans and participatory financing

284,353,791

- Other loans and participatory financing

101,496,180

claims acquired by factoring

32,601,805

trading and investment securities

268,374,725

- treasury bills and the like

173,744,364

- other dept securities

13,139,711

- title deeds

30,791

- title deeds

81,459,859

other assets

45,898,659

investment securities

108,379,064

- treasury bills and the like

94,673,843

- other debt securities

13,705,221

- Certificats de Sukuks

0

shareholdings and similar assets

64,992,372

- Participation dans les entreprises liées

53,109,382

- Autres titres de participation et emplois assimilés

11,762,388

- Titres de Moudaraba et Moucharaka

0

subordinate claims

346,221

Dépôts d'investissement placés

3,001,437

leases and letting

3,095,951

Immobilisations données en Ijara

961

intangible assets

7,991,947

tangible assets

21,120,891

Total

1,736,852,147

In thousands of DH

liabilities To 30/06/2023 Amount

central banks, treasury and post office giro

101

amounts owed to credit institutions and similar

231,859,275

- at sight

27,425,507

- time

204,433,768

customer deposits

1,142,264,688

- sight accounts

791,174,358

- saving accounts

180,147,955

- time deposits

139,622,026

- other credit accounts

31,320,349

Dettes envers la clientèle sur produits participatifs

2,538

issued debt securities

62,631,298

- negotiable debt instruments

53,865,615

- bonds

8,744,455

- other issued debt securities

21,228

other liabilities

48,007,629

provisions for losses and expenses

20,833,022

legal provisions

1,523,734

subsidies, assigned public funds and special guarantee funds

3,725,329

subordinate debts

59,605,023

Dépôts d'investissement reçus

200,196

reevaluation differential

420

reserves and share premiums

114,890,264

capital

29,288,207

shareholders, non paid-up capital (-)

-48,000

retained earnings ( /-)

13,174,513

proceeding allocation of net profit ( /-)

-395,821

net profit of the year ( /-)

9,289,731

Total

1,736,852,147

In thousands of DH

Off-balance sheet To 30/06/2023 col6-amount

given commitments

387,705,282

- financing commitments in favor of credit institutions and similar

5,383,153

- financing commitments in favor of customers

182,022,889

- guaranteed commitments ordered by credit institutions and similar

65,362,948

- guaranteed commitments ordered by customers

121,075,899

- securities bought with repurchase option

3,990,814

- other securities

9,869,579

received commitments

165,607,285

- financing commitments received from credit institutions and similar

7,734,879

- guaranteed commitments received from credit institutions and similar

109,291,107

- guaranteed commitments received from the governement and guarantee institution

47,636,883

- securities sold with option of repurchasing

0

- other receiveable securities

944,416

- Titres de Moucharaka et Moudaraba à recevoir

0

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