Banque Centrale Populaire Income Statement

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

Millions MAD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	21,166	20,958	19,735	19,511	17,302	16,846
Interest Income on Investments	1,061	1,061	941.71	472.49	352.94	330.39
Total Interest Income	22,227	22,019	20,677	19,983	17,655	17,177
Interest Paid on Deposits	6,071	6,339	5,715	5,752	4,538	4,900
Net Interest Income	16,156	15,680	14,962	14,231	13,117	12,276
Net Interest Income Growth (YoY)	7.07%	4.80%	5.13%	8.50%	6.84%	7.26%
Other Non-Interest Income	10,259	9,921	7,833	6,377	6,971	7,011
Total Non-Interest Income	10,259	9,921	7,833	6,377	6,971	7,011
Non-Interest Income Growth (YoY)	6.39%	26.66%	22.83%	-8.52%	-0.57%	10.04%
Revenues Before Loan Losses	26,415	25,601	22,795	20,608	20,087	19,287
Provision for Loan Losses	5,494	6,196	5,358	4,294	5,537	6,129
Revenue	20,921	19,405	17,437	16,315	14,550	13,158
Revenue Growth (YoY)	13.90%	11.29%	6.88%	12.13%	10.58%	-13.71%
Occupancy Expenses	1,545	1,512	1,229	1,338	675.62	1,493
Other Non-Interest Expense	10,340	10,095	9,793	9,353	8,760	9,574
Total Non-Interest Expense	11,935	11,616	11,024	10,691	9,437	11,069
EBT Excluding Unusual Items	8,986	7,789	6,413	5,623	5,113	2,089
Pretax Income	9,093	7,896	6,263	5,626	4,452	2,121
Income Tax Expense	3,613	2,929	2,129	2,115	1,726	838.11
Earnings From Continuing Operations	5,481	4,967	4,133	3,511	2,725	1,283
Minority Interest in Earnings	-979.95	-821.22	-658.05	-762.1	-960.75	-53.98
Net Income	4,501	4,145	3,475	2,749	1,765	1,229
Net Income to Common	4,501	4,145	3,475	2,749	1,765	1,229
Net Income Growth	39.25%	19.28%	26.42%	55.79%	43.56%	-59.02%
Basic Shares Outstanding	203	203	203	203	203	202
Diluted Shares Outstanding	203	203	203	203	203	202
Shares Change (YoY)	0.01%	-0.02%	0.01%	0.02%	0.56%	-0.04%
EPS (Basic)	22.14	20.39	17.09	13.52	8.68	6.08
EPS (Diluted)	22.14	20.39	17.09	13.52	8.68	6.08
EPS Growth	39.23%	19.31%	26.41%	55.76%	42.76%	-59.00%
Dividend Per Share	-	10.500	10.000	9.000	8.500	8.000
Dividend Growth	-	5.00%	11.11%	5.88%	6.25%	-
Effective Tax Rate	39.73%	37.10%	34.00%	37.59%	38.78%	39.51%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.