Banque Marocaine pour le Commerce et l'Industrie (CBSE:BCI)

CBSE:BCI 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	3,838	3,822	3,536	3,073	2,997	3,068
Interest Paid on Deposits	1,150	1,173	1,108	780.34	658.54	730.05
Net Interest Income	2,688	2,649	2,428	2,292	2,338	2,338
Net Interest Income Growth (YoY)	8.14%	9.09%	5.93%	-1.96%	0.02%	1.38%
Income From Trading Activities	42.73	-	506.18	393.65	352.53	-
Gain (Loss) on Sale of Assets	-16.85	-	-	-	12.26	-
Other Non-Interest Income	1,132	1,140	503.19	368.18	353.21	713.88
Total Non-Interest Income	1,157	1,140	1,009	761.83	718	713.88
Non-Interest Income Growth (YoY)	8.26%	12.91%	32.49%	6.10%	0.58%	-5.24%
Revenues Before Loan Losses	3,846	3,789	3,438	3,054	3,056	3,052
Provision for Loan Losses	874.17	809.99	633.36	561.59	575.33	901.29
Revenue	2,971	2,979	2,804	2,493	2,481	2,150
Revenue Growth (YoY)	1.85%	6.22%	12.51%	0.48%	15.37%	-17.90%
Occupancy Expenses	266.01	257.77	251.84	234.98	245.12	210.74
Other Non-Interest Expense	1,977	2,000	1,944	1,847	1,885	1,582
Total Non-Interest Expense	2,250	2,262	2,192	2,075	2,130	1,790
EBT Excluding Unusual Items	721.78	716.45	612.79	417.31	350.98	360.31
Pretax Income	721.78	716.45	612.79	417.31	350.98	360.31
Income Tax Expense	393.59	390.38	441.76	232.42	184.18	215.53
Earnings From Continuing Operations	328.2	326.07	171.03	184.89	166.8	144.78
Minority Interest in Earnings	5.09	-0.92	0.2	43.73	27.31	10.72
Net Income	333.28	325.15	171.22	228.62	194.11	155.5
Net Income to Common	333.28	325.15	171.22	228.62	194.11	155.5
Net Income Growth	50.87%	89.89%	-25.10%	17.78%	24.83%	-74.30%
Basic Shares Outstanding	14	13	13	13	13	13
Diluted Shares Outstanding	14	13	13	13	13	13
EPS (Basic)	24.63	24.49	12.89	17.22	14.62	11.71
EPS (Diluted)	24.63	24.49	12.89	17.22	14.62	11.71
EPS Growth	47.11%	89.89%	-25.10%	17.78%	24.83%	-74.30%
Dividend Per Share	-	18.000	18.000	18.000	-	43.000
Effective Tax Rate	54.53%	54.49%	72.09%	55.69%	52.48%	59.82%

Updated Nov 28, 2024. Source: S&P Global Market Intelligence. Banks template. Financial Sources.