Banque Centrale Populaire Balance Sheet

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
Cash & Equivalents	18,205	20,233	15,482	18,854	21,755	16,708
Investment Securities	100,489	112,360	108,569	103,226	79,492	73,509
Trading Asset Securities	73,334	71,121	62,446	57,218	65,134	59,857
Total Investments	173,823	183,482	171,014	160,444	144,626	133,366
Gross Loans	327,185	336,425	329,726	317,521	289,760	287,034
Allowance for Loan Losses	-	-33,044	-29,945	-30,162	-28,949	-28,573
Net Loans	327,185	303,381	299,781	287,359	260,811	258,461
Property, Plant & Equipment	10,899	10,471	10,204	9,009	10,006	10,131
Goodwill	2,351	2,344	2,415	2,479	2,382	2,437
Other Intangible Assets	1,075	1,103	1,133	1,061	1,095	1,166
Investments in Real Estate	5,710	6,132	6,621	7,390	7,142	8,155
Accrued Interest Receivable	8,337	8,308	7,096	7,211	11,070	6,489
Other Receivables	3,476	1,617	1,815	1,775	1,913	1,754
Restricted Cash	-	7.55	16.88	0.22	1.92	1,210
Long-Term Deferred Tax Assets	5,484	4,944	4,507	4,727	4,212	4,397
Other Long-Term Assets	352.88	256.98	160.99	317.68	-	-
Total Assets	556,898	542,279	520,245	500,629	465,014	444,274
Accrued Expenses	-	1,692	1,273	12,623	13,328	10,064
Interest Bearing Deposits	395,086	107,793	106,437	110,317	109,509	109,249
Non-Interest Bearing Deposits	-	283,793	267,636	258,794	231,954	218,603
Total Deposits	395,086	391,586	374,072	369,111	341,463	327,851
Short-Term Borrowings	-	34,130	40,154	22,560	19,841	14,410
Current Income Taxes Payable	5,195	4,212	2,782	2,032	2,980	2,032
Other Current Liabilities	52.22	7.55	16.88	0.22	1.92	1,210
Long-Term Debt	62,059	24,760	22,338	29,474	27,428	34,007
Long-Term Leases	-	1,003	1,124	791.87	1,009	1,265
Long-Term Unearned Revenue	22,332	17,978	15,446	3,766	4,217	4,251
Long-Term Deferred Tax Liabilities	1,143	1,047	999.92	960.05	903.11	842.51
Other Long-Term Liabilities	11,406	8,694	7,479	7,010	6,247	5,119
Total Liabilities	497,273	485,111	465,686	448,328	417,417	401,051
Common Stock	31,203	30,438	29,931	29,437	28,910	28,194
Retained Earnings	4,287	4,145	3,475	2,749	1,765	1,229
Comprehensive Income & Other	3,334	2,460	1,499	776.14	1,980	3,166
Total Common Equity	38,824	37,044	34,906	32,962	32,654	32,589
Minority Interest	20,801	20,123	19,653	19,339	14,942	10,634
Shareholders' Equity	59,625	57,167	54,559	52,300	47,597	43,223
Total Liabilities & Equity	556,898	542,279	520,245	500,629	465,014	444,274
Total Debt	62,059	59,893	63,616	52,826	48,278	49,682
Net Cash (Debt)	29,481	42,931	27,258	37,573	54,498	43,056
Net Cash Growth	-	57.50%	-27.45%	-31.06%	26.58%	87.67%
Net Cash Per Share	145.02	211.17	134.04	184.78	268.07	212.97
Filing Date Shares Outstanding	203.2	203.3	203.35	203.18	203.21	202.02
Total Common Shares Outstanding	203.2	203.3	203.35	203.18	203.21	202.02
Book Value Per Share	191.06	182.21	171.65	162.23	160.69	161.32
Tangible Book Value	35,399	33,597	31,358	29,421	29,178	28,986
Tangible Book Value Per Share	174.20	165.26	154.21	144.80	143.58	143.48

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