Crédit du Maroc S.A. (CBSE:CDM)
Morocco · Delayed Price · Currency is MAD 999.00
+8.60 (0.87%)
At close: Aug 10, 2026
Crédit du Maroc Income Statement
Financials in millions MAD. Fiscal year is January - December.
Millions MAD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 | 3,474 | 3,299 | 3,147 | 2,821 | 2,336 | 2,243 |
Interest Paid on Deposits | 622.55 | 618.43 | 718.94 | 595.23 | 339.95 | 288.13 |
Net Interest Income | 2,852 | 2,681 | 2,428 | 2,226 | 1,996 | 1,955 |
Net Interest Income Growth | 11.88% | 10.41% | 9.09% | 11.49% | 2.11% | 5.14% |
Income From Trading Activities | 455.79 | 487.74 | 487.07 | 343.38 | 263.64 | 199.8 |
Gain (Loss) on Sale of Assets | 3.29 | 11.01 | -6.14 | -4.43 | -15.42 | -3.87 |
Other Non-Interest Income | 400.08 | 399.75 | 388.01 | 357.66 | 308.65 | 305.05 |
Total Non-Interest Income | 859.16 | 898.49 | 868.94 | 696.61 | 556.87 | 500.98 |
Non-Interest Income Growth | -7.68% | 3.40% | 24.74% | 25.09% | 11.16% | -3.96% |
Revenues Before Loan Losses | 3,711 | 3,579 | 3,297 | 2,922 | 2,553 | 2,456 |
Provision for Loan Losses | 281.26 | 383.11 | 398.41 | 445.29 | 309.94 | 63.51 |
| 3,430 | 3,196 | 2,899 | 2,477 | 2,243 | 2,393 | |
Revenue Growth | 11.96% | 10.27% | 17.01% | 10.43% | -6.24% | 44.17% |
Occupancy Expenses | 313.27 | 292.93 | 259.7 | 232.91 | 190.27 | 178.15 |
Selling, General & Administrative | 10.6 | 10.6 | 3.47 | 6.1 | 19.21 | 13.56 |
Other Non-Interest Expense | 1,372 | 1,349 | 1,342 | 1,360 | 1,291 | 1,143 |
Total Non-Interest Expense | 1,696 | 1,652 | 1,605 | 1,599 | 1,500 | 1,335 |
EBT Excluding Unusual Items | 1,734 | 1,544 | 1,294 | 878.31 | 743.21 | 1,058 |
Pretax Income | 1,734 | 1,544 | 1,294 | 878.31 | 743.21 | 1,058 |
Income Tax Expense | 783.92 | 680.27 | 552.59 | 380.08 | 345.11 | 426.26 |
Earnings From Continuing Operations | 950.1 | 863.55 | 740.95 | 498.23 | 398.1 | 631.36 |
Minority Interest in Earnings | - | - | - | 4.86 | 6.19 | -3.97 |
Net Income | 950.1 | 863.55 | 740.95 | 503.09 | 404.29 | 627.39 |
Net Income to Common | 950.1 | 863.55 | 740.95 | 503.09 | 404.29 | 627.39 |
Net Income Growth | 19.47% | 16.55% | 47.28% | 24.44% | -35.56% | 229.66% |
Basic Shares Outstanding | 11 | 11 | 11 | 11 | 11 | 11 |
Diluted Shares Outstanding | 11 | 11 | 11 | 11 | 11 | 11 |
Shares Change | -0.00% | -0.00% | -0.00% | -0.00% | 0.02% | -0.01% |
EPS (Basic) | 87.31 | 79.36 | 68.09 | 46.23 | 37.15 | 57.66 |
EPS (Diluted) | 87.31 | 79.36 | 68.09 | 46.23 | 37.15 | 57.66 |
EPS Growth | 19.47% | 16.55% | 47.28% | 24.44% | -35.57% | 229.67% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Dividend Per Share | 48.000 | 48.000 | 41.700 | 34.200 | 27.000 | 25.900 |
Dividend Growth | 15.11% | 15.11% | 21.93% | 26.67% | 4.25% | 469.23% |
Effective Tax Rate | 45.21% | 44.06% | 42.72% | 43.27% | 46.43% | 40.30% |