Attijariwafa bank Income Statement

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

Millions MAD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	30,945	29,792	26,900	23,044	22,320
Interest Income on Investments	223.78	263.58	210.49	204.42	111.26
Total Interest Income	31,169	30,056	27,110	23,249	22,431
Interest Paid on Deposits	9,833	10,071	8,466	6,725	6,150
Net Interest Income	21,336	19,985	18,644	16,524	16,282
Net Interest Income Growth (YoY)	6.76%	7.19%	12.83%	1.49%	2.13%
Income From Trading Activities	5,071	5,472	3,857	2,297	2,871
Gain (Loss) on Sale of Assets	46.7	122.85	1.13	-76.36	-41.63
Gain (Loss) on Sale of Investments	-	93.42	135.93	101.23	552.5
Other Non-Interest Income	8,514	8,957	7,306	7,014	4,674
Total Non-Interest Income	13,632	14,645	11,300	9,336	8,056
Non-Interest Income Growth (YoY)	-6.92%	29.60%	21.04%	15.88%	2.69%
Revenues Before Loan Losses	34,968	34,630	29,944	25,859	24,338
Provision for Loan Losses	3,665	4,210	3,982	3,188	3,607
Revenue	31,304	30,420	25,962	22,671	20,731
Revenue Growth (YoY)	2.90%	17.17%	14.51%	9.36%	13.08%
Occupancy Expenses	1,423	1,361	1,384	1,456	1,438
Other Non-Interest Expense	11,799	11,078	10,801	9,680	9,858
Total Non-Interest Expense	12,635	12,427	12,175	11,130	11,308
EBT Excluding Unusual Items	18,669	17,993	13,787	11,542	9,423
Asset Writedown	-	-24.27	-4.98	2.28	6.95
Pretax Income	18,669	17,969	13,782	11,544	9,430
Income Tax Expense	6,301	6,286	4,718	3,986	3,274
Earnings From Continuing Operations	12,368	11,683	9,063	7,558	6,157
Minority Interest in Earnings	-1,723	-2,178	-1,556	-1,456	-1,012
Net Income	10,645	9,504	7,508	6,103	5,144
Net Income to Common	10,645	9,504	7,508	6,103	5,144
Net Income Growth	12.00%	26.60%	23.02%	18.63%	70.46%
Basic Shares Outstanding	215	215	215	215	215
Diluted Shares Outstanding	215	215	215	215	215
Shares Change (YoY)	0.00%	0.01%	0.01%	-0.02%	2.52%
EPS (Basic)	49.48	44.18	34.90	28.37	23.91
EPS (Diluted)	49.48	44.18	34.90	28.37	23.91
EPS Growth	12.00%	26.59%	23.02%	18.65%	66.27%
Dividend Per Share	22.000	19.000	16.500	15.500	15.000
Dividend Growth	15.79%	15.15%	6.45%	3.33%	36.36%
Effective Tax Rate	33.75%	34.98%	34.23%	34.53%	34.71%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.