Attijariwafa bank SA (CBSE:ATW)

Attijariwafa bank Income Statement

Financials in millions MAD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	30,028	29,792	26,900	23,044	22,320	22,512
Interest Income on Investments	273.94	263.58	210.49	204.42	111.26	157.17
Total Interest Income	30,302	30,056	27,110	23,249	22,431	22,669
Interest Paid on Deposits	10,136	10,071	8,466	6,725	6,150	6,727
Net Interest Income	20,167	19,985	18,644	16,524	16,282	15,942
Net Interest Income Growth (YoY)	4.68%	7.19%	12.83%	1.49%	2.13%	5.56%
Income From Trading Activities	5,719	5,472	3,857	2,297	2,871	2,391
Gain (Loss) on Sale of Assets	122.85	122.85	1.13	-76.36	-41.63	-70.72
Gain (Loss) on Sale of Investments	-	-	-	101.23	552.5	427.63
Other Non-Interest Income	9,126	9,050	7,442	7,014	4,674	5,097
Total Non-Interest Income	14,968	14,645	11,300	9,336	8,056	7,845
Non-Interest Income Growth (YoY)	21.32%	29.60%	21.04%	15.88%	2.69%	-6.62%
Revenues Before Loan Losses	35,134	34,630	29,944	25,859	24,338	23,787
Provision for Loan Losses	4,103	4,210	3,982	3,188	3,607	5,454
Revenue	31,031	30,420	25,962	22,671	20,731	18,333
Revenue Growth (YoY)	14.50%	17.17%	14.51%	9.36%	13.08%	-16.34%
Occupancy Expenses	1,392	1,385	1,389	1,456	1,438	1,523
Other Non-Interest Expense	11,167	11,078	10,801	9,680	9,858	10,618
Total Non-Interest Expense	12,411	12,451	12,180	11,130	11,308	12,157
EBT Excluding Unusual Items	18,620	17,969	13,782	11,542	9,423	6,176
Asset Writedown	-	-	-	2.28	6.95	-93.66
Pretax Income	18,620	17,969	13,782	11,544	9,430	6,082
Income Tax Expense	6,511	6,286	4,718	3,986	3,274	2,377
Earnings From Continuing Operations	12,109	11,683	9,063	7,558	6,157	3,705
Minority Interest in Earnings	-2,257	-2,178	-1,556	-1,456	-1,012	-687.03
Net Income	9,852	9,504	7,508	6,103	5,144	3,018
Net Income to Common	9,852	9,504	7,508	6,103	5,144	3,018
Net Income Growth	20.72%	26.60%	23.02%	18.63%	70.46%	-48.11%
Basic Shares Outstanding	202	215	215	215	215	210
Diluted Shares Outstanding	202	215	215	215	215	210
Shares Change (YoY)	-	0.01%	0.01%	-0.02%	2.52%	-0.01%
EPS (Basic)	48.79	44.18	34.90	28.37	23.91	14.38
EPS (Diluted)	48.79	44.18	34.90	28.37	23.91	14.38
EPS Growth	-	26.59%	23.02%	18.65%	66.27%	-48.10%
Dividend Per Share	-	19.000	16.500	15.500	15.000	11.000
Dividend Growth	-	15.15%	6.45%	3.33%	36.36%	-18.52%
Effective Tax Rate	34.97%	34.98%	34.23%	34.53%	34.71%	39.08%

Updated Feb 25, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.