Banque Centrale Populaire 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	21,559	20,958	19,735	19,511	17,302
Interest Income on Investments	1,443	1,061	941.71	472.49	352.94
Total Interest Income	23,002	22,019	20,677	19,983	17,655
Interest Paid on Deposits	6,016	6,339	5,715	5,752	4,538
Net Interest Income	16,986	15,680	14,962	14,231	13,117
Net Interest Income Growth (YoY)	8.33%	4.80%	5.13%	8.50%	6.84%
Other Non-Interest Income	9,999	9,921	7,833	6,377	6,971
Total Non-Interest Income	9,999	9,921	7,833	6,377	6,971
Non-Interest Income Growth (YoY)	0.78%	26.66%	22.83%	-8.52%	-0.57%
Revenues Before Loan Losses	26,985	25,601	22,795	20,608	20,087
Provision for Loan Losses	5,363	6,196	5,358	4,294	5,537
Revenue	21,623	19,405	17,437	16,315	14,550
Revenue Growth (YoY)	11.43%	11.29%	6.88%	12.13%	10.58%
Occupancy Expenses	1,467	1,512	1,229	1,338	675.62
Other Non-Interest Expense	10,557	10,095	9,793	9,353	8,760
Total Non-Interest Expense	12,064	11,616	11,024	10,691	9,437
EBT Excluding Unusual Items	9,559	7,789	6,413	5,623	5,113
Pretax Income	9,559	7,896	6,263	5,626	4,452
Income Tax Expense	3,938	2,929	2,129	2,115	1,726
Earnings From Continuing Operations	5,621	4,967	4,133	3,511	2,725
Minority Interest in Earnings	-1,118	-821.22	-658.05	-762.1	-960.75
Net Income	4,503	4,145	3,475	2,749	1,765
Net Income to Common	4,503	4,145	3,475	2,749	1,765
Net Income Growth	8.64%	19.28%	26.42%	55.79%	43.56%
Basic Shares Outstanding	203	203	203	203	203
Diluted Shares Outstanding	203	203	203	203	203
Shares Change (YoY)	0.00%	-0.02%	0.01%	0.02%	0.56%
EPS (Basic)	22.15	20.39	17.09	13.52	8.68
EPS (Diluted)	22.15	20.39	17.09	13.52	8.68
EPS Growth	8.63%	19.31%	26.41%	55.76%	42.76%
Dividend Per Share	-	10.500	10.000	9.000	8.500
Dividend Growth	-	5.00%	11.11%	5.88%	6.25%
Effective Tax Rate	41.19%	37.10%	34.00%	37.59%	38.78%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.