Balance sheet of Banks

In thousands of DH

assets To 31/12/2025	Amount
cash in hand, central banks, treasury and post office giro	55,320,939
claims on credit institutions and the like	238,914,959
- at sight	46,480,295
- at term	192,434,664
claims on customers	1,090,027,849
- Cash and consumer loans and participatory financing	319,974,742
- Equipment loans and participatory financing	349,502,651
- Real estate loans and participatory financing	290,024,736
- Other loans and participatory financing	130,525,720
claims acquired by factoring	19,246,288
trading and investment securities	361,833,301
- treasury bills and the like	211,507,631
- other dept securities	25,993,292
- title deeds	0
- title deeds	124,332,378
other assets	39,883,753
investment securities	106,284,485
- treasury bills and the like	93,444,843
- other debt securities	12,839,642
- Certificats de Sukuks	0
shareholdings and similar assets	81,569,773
- Participation dans les entreprises liées	58,127,226
- Autres titres de participation et emplois assimilés	23,442,502
- Titres de Moudaraba et Moucharaka	0
subordinate claims	544,632
Dépôts d'investissement placés	6,960,687
leases and letting	4,041,476
Immobilisations données en Ijara	736
intangible assets	10,096,534
tangible assets	24,521,389
Total	2,039,246,801

In thousands of DH

liabilities To 31/12/2025	Amount
central banks, treasury and post office giro	689
amounts owed to credit institutions and similar	255,722,695
- at sight	39,249,294
- time	216,473,401
customer deposits	1,371,616,972
- sight accounts	1,005,764,232
- saving accounts	192,117,716
- time deposits	127,277,759
- other credit accounts	46,457,265
Dettes envers la clientèle sur produits participatifs	5,493
issued debt securities	59,456,258
- negotiable debt instruments	51,169,239
- bonds	8,287,019
- other issued debt securities	0
other liabilities	62,437,425
provisions for losses and expenses	27,178,030
legal provisions	116,722
subsidies, assigned public funds and special guarantee funds	4,434,715
subordinate debts	65,066,595
Dépôts d'investissement reçus	304,941
reevaluation differential	420
reserves and share premiums	126,125,874
capital	33,159,662
shareholders, non paid-up capital (-)	-213,131
retained earnings ( /-)	15,034,718
proceeding allocation of net profit ( /-)	-389,752
net profit of the year ( /-)	19,188,475
Total	2,039,246,801

In thousands of DH

Off-balance sheet To 31/12/2025	col6-amount
given commitments	572,409,182
- financing commitments in favor of credit institutions and similar	10,013,586
- financing commitments in favor of customers	301,976,636
- guaranteed commitments ordered by credit institutions and similar	78,007,574
- guaranteed commitments ordered by customers	166,462,582
- securities bought with repurchase option	0
- other securities	15,948,804
received commitments	178,037,309
- financing commitments received from credit institutions and similar	8,652,319
- guaranteed commitments received from credit institutions and similar	110,530,281
- guaranteed commitments received from the governement and guarantee institution	56,462,595
- securities sold with option of repurchasing	0
- other receiveable securities	2,392,114
- Titres de Moucharaka et Moudaraba à recevoir	0