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

BCI Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jun 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	950.37	1,363	776.7	1,582	1,172	1,240
Investment Securities	9,430	10,370	10,192	10,384	9,322	9,844
Trading Asset Securities	2,187	1,460	1,524	1,094	1,242	850.02
Total Investments	11,617	11,829	11,716	11,478	10,564	10,694
Gross Loans	62,995	64,585	60,511	57,345	57,403	60,879
Allowance for Loan Losses	-7,540	-7,399	-7,654	-7,437	-7,312	-6,712
Other Adjustments to Gross Loans	-	-	-	-	-	-566.4
Net Loans	55,456	57,186	52,857	49,907	50,090	53,601
Property, Plant & Equipment	1,101	1,142	1,176	1,266	1,531	1,639
Goodwill	87.72	87.72	87.72	87.72	87.72	87.72
Other Intangible Assets	576.02	561.16	540.18	532.16	439.86	411.21
Investments in Real Estate	23.2	24.07	25.82	27.57	28.9	30.44
Accrued Interest Receivable	2,351	2,264	2,038	2,032	1,948	1,301
Other Receivables	1,543	443.25	1,219	339.5	610.04	1,868
Other Current Assets	-	-	-	-	-	13.2
Long-Term Deferred Tax Assets	291.69	301.33	317.75	357.38	137.49	112.88
Other Long-Term Assets	0	-	-	-	-	205.26
Total Assets	73,996	75,201	70,755	67,611	66,610	71,203
Accounts Payable	-	-	-	-	-	1,478
Accrued Expenses	4,200	3,863	3,416	1,781	2,973	1,568
Interest Bearing Deposits	17,473	18,742	18,576	15,760	15,741	19,729
Non-Interest Bearing Deposits	32,748	34,009	31,582	31,581	32,144	30,894
Total Deposits	50,221	52,751	50,158	47,341	47,884	50,623
Short-Term Borrowings	1,588	952.66	1,082	205.16	747.91	225.38
Current Income Taxes Payable	16.67	9.8	31.15	31.08	35.81	58.71
Accrued Interest Payable	66.03	65.34	30.13	43.38	64.46	117.36
Long-Term Debt	9,596	9,179	7,473	8,234	6,609	8,930
Long-Term Leases	308.56	345	396.77	440.06	78.56	108.23
Long-Term Unearned Revenue	-	-	-	140.85	-	66.13
Long-Term Deferred Tax Liabilities	166.77	186.74	244.12	217.6	98.19	213.77
Other Long-Term Liabilities	640.18	630.33	645.7	1,922	466.82	317.8
Total Liabilities	66,803	67,984	63,476	60,356	58,958	63,705
Common Stock	1,328	1,328	1,328	1,328	1,328	1,328
Retained Earnings	210.91	171.22	228.62	194.11	155.5	605.01
Comprehensive Income & Other	5,627	5,692	5,698	5,717	6,138	5,524
Total Common Equity	7,166	7,191	7,255	7,239	7,622	7,457
Minority Interest	27.86	26.36	23.57	15.23	30.02	41.02
Shareholders' Equity	7,194	7,218	7,278	7,255	7,652	7,498
Total Liabilities & Equity	73,996	75,201	70,755	67,611	66,610	71,203
Total Debt	11,493	10,477	8,952	8,879	7,435	9,263
Net Cash (Debt)	-7,887	-6,107	-5,165	-4,035	-4,303	-5,795
Net Cash Per Share	-600.87	-459.88	-388.95	-303.88	-324.01	-436.36
Filing Date Shares Outstanding	13.28	13.28	13.28	13.28	13.28	13.28
Total Common Shares Outstanding	13.28	13.28	13.28	13.28	13.28	13.28
Book Value Per Share	539.63	541.55	546.32	545.16	573.95	561.53
Tangible Book Value	6,502	6,542	6,627	6,619	7,094	6,958
Tangible Book Value Per Share	489.65	492.68	499.03	498.48	534.22	523.96

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