Crédit du Maroc S.A. (CBSE:CDM)

Crédit du Maroc Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	2,329	2,235	2,266	1,867	1,925	2,559
Investment Securities	2,005	4,774	5,971	6,889	6,554	5,026
Trading Asset Securities	4,925	4,544	2,367	1,367	2,240	442.44
Total Investments	6,931	9,318	8,338	8,257	8,794	5,469
Gross Loans	61,564	59,136	54,110	51,101	47,427	47,999
Allowance for Loan Losses	-	-3,705	-3,781	-3,526	-3,592	-4,060
Net Loans	61,564	55,431	50,329	47,575	43,836	43,939
Property, Plant & Equipment	1,479	1,498	1,496	1,478	1,410	1,352
Other Intangible Assets	900.47	912.37	795.98	600.9	464.32	330.81
Accrued Interest Receivable	784.63	44.55	16.19	27.27	339.49	428.15
Other Receivables	9.6	4,454	3,862	2,901	2,424	3,428
Other Current Assets	-	3.14	2.96	5.69	-	-
Long-Term Deferred Tax Assets	165.57	149.9	159.79	151.51	154.19	408.04
Other Long-Term Assets	0	5.3	-	0.17	0	0
Total Assets	74,163	74,051	67,265	62,863	59,346	57,913
Accrued Expenses	-	502.52	367.8	319.14	222.59	-
Interest Bearing Deposits	57,067	56,998	51,755	48,582	46,239	44,525
Total Deposits	57,067	56,998	51,755	48,582	46,239	44,525
Short-Term Borrowings	9.92	527.19	630.9	592.66	355.76	14.35
Current Portion of Long-Term Debt	-	-	0.97	-	-	-
Current Income Taxes Payable	115.55	189.01	125.1	57.98	124.42	13.05
Other Current Liabilities	-	58.2	79.86	-	-	-
Long-Term Debt	6,258	5,655	5,198	5,166	4,596	5,305
Long-Term Leases	-	76.83	62.3	90.8	117.65	121.82
Long-Term Unearned Revenue	2,055	-	-	-	-	1,311
Pension & Post-Retirement Benefits	-	92.98	91.44	96.95	96.05	95.75
Long-Term Deferred Tax Liabilities	1.22	5	17.89	9.31	15.3	205.53
Other Long-Term Liabilities	586.01	2,067	1,856	1,589	1,275	601.06
Total Liabilities	66,093	66,172	60,185	56,503	53,042	52,192
Common Stock	4,823	1,088	1,088	1,088	1,088	1,088
Retained Earnings	198.19	740.95	503.09	404.29	627.39	190.32
Comprehensive Income & Other	3,049	6,050	5,443	4,816	4,530	4,387
Total Common Equity	8,071	7,879	7,034	6,309	6,246	5,665
Minority Interest	-	-	45.71	50.58	58.45	56.03
Shareholders' Equity	8,071	7,879	7,080	6,359	6,304	5,721
Total Liabilities & Equity	74,163	74,051	67,265	62,863	59,346	57,913
Total Debt	6,268	6,259	5,892	5,849	5,069	5,441
Net Cash (Debt)	986.58	3,462	2,031	1,119	2,325	-699.46
Net Cash Growth	-	70.50%	81.51%	-51.89%	-	-
Net Cash Per Share	90.66	318.15	186.59	102.79	213.69	-64.28
Filing Date Shares Outstanding	10.88	10.88	10.88	10.88	10.88	10.88
Total Common Shares Outstanding	10.88	10.88	10.88	10.88	10.88	10.88
Book Value Per Share	741.52	724.08	646.45	579.80	573.97	520.65
Tangible Book Value	7,170	6,966	6,238	5,708	5,781	5,334
Tangible Book Value Per Share	658.79	640.23	573.30	524.57	531.30	490.25

Updated Mar 17, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.