CBSE: BCI Income Statement

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

Millions MAD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	2018 - 2014
Period Ending	Sep '24 Sep 30, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019	2018 - 2014
Interest Income on Loans	3,814	3,536	3,073	2,997	3,068	3,148	Upgrade
Interest Paid on Deposits	1,204	1,108	780.34	658.54	730.05	841.9	Upgrade
Net Interest Income	2,610	2,428	2,292	2,338	2,338	2,306	Upgrade
Net Interest Income Growth (YoY)	11.46%	5.93%	-1.96%	0.02%	1.38%	-0.98%	Upgrade
Income From Trading Activities	636.18	506.18	393.65	352.53	-	-	Upgrade
Gain (Loss) on Sale of Assets	-16.38	-	-	12.26	-	-	Upgrade
Other Non-Interest Income	490.47	503.19	368.18	353.21	713.88	753.32	Upgrade
Total Non-Interest Income	1,110	1,009	761.83	718	713.88	753.32	Upgrade
Non-Interest Income Growth (YoY)	10.13%	32.49%	6.10%	0.58%	-5.24%	7.80%	Upgrade
Revenues Before Loan Losses	3,721	3,438	3,054	3,056	3,052	3,059	Upgrade
Provision for Loan Losses	746.6	633.36	561.59	575.33	901.29	440.21	Upgrade
Revenue	2,974	2,804	2,493	2,481	2,150	2,619	Upgrade
Revenue Growth (YoY)	7.33%	12.51%	0.48%	15.37%	-17.90%	2.76%	Upgrade
Occupancy Expenses	244.84	251.84	234.98	245.12	210.74	214.64	Upgrade
Other Non-Interest Expense	1,985	1,944	1,847	1,885	1,582	1,416	Upgrade
Total Non-Interest Expense	2,235	2,192	2,075	2,130	1,790	1,628	Upgrade
EBT Excluding Unusual Items	739.05	612.79	417.31	350.98	360.31	991.49	Upgrade
Pretax Income	739.05	612.79	417.31	350.98	360.31	991.49	Upgrade
Income Tax Expense	492.28	441.76	232.42	184.18	215.53	391.5	Upgrade
Earnings From Continuing Operations	246.77	171.03	184.89	166.8	144.78	599.99	Upgrade
Minority Interest in Earnings	-1.81	0.2	43.73	27.31	10.72	5.03	Upgrade
Net Income	244.95	171.22	228.62	194.11	155.5	605.01	Upgrade
Net Income to Common	244.95	171.22	228.62	194.11	155.5	605.01	Upgrade
Net Income Growth	-29.54%	-25.10%	17.78%	24.83%	-74.30%	8.35%	Upgrade
Basic Shares Outstanding	13	13	13	13	13	13	Upgrade
Diluted Shares Outstanding	13	13	13	13	13	13	Upgrade
Shares Change (YoY)	-0.86%	-	-	-	-	-	Upgrade
EPS (Basic)	18.72	12.89	17.22	14.62	11.71	45.56	Upgrade
EPS (Diluted)	18.72	12.89	17.22	14.62	11.71	45.56	Upgrade
EPS Growth	-28.93%	-25.10%	17.78%	24.83%	-74.30%	8.35%	Upgrade
Dividend Per Share	-	18.000	18.000	-	43.000	-	Upgrade
Effective Tax Rate	66.61%	72.09%	55.69%	52.48%	59.82%	39.49%	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.