Balance sheet of Banks

In thousands of DH

assets To 01/07/2024	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 01/07/2024	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 01/07/2024	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