Crédit du Maroc Ratios and Metrics

Market cap in millions MAD. Fiscal year is January - December.

Millions MAD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Feb '26 Feb 25, 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
Market Capitalization	11,958	11,306	10,120	8,672	6,529	6,529
Market Cap Growth	-0.99%	11.72%	16.69%	32.83%	-	30.75%
Last Close Price	1099.00	1039.00	895.37	739.70	536.01	514.56
PE Ratio	13.85	13.09	13.66	17.24	16.15	10.41
PS Ratio	3.74	3.54	3.49	3.50	2.91	2.73
PB Ratio	1.46	1.38	1.28	1.23	1.03	1.04
P/FCF Ratio	35.93	33.97	6.55	-	-	4.99
P/OCF Ratio	16.37	15.48	5.28	-	-	3.90
Debt / Equity Ratio	1.34	1.34	0.79	0.83	0.92	0.80
Debt / FCF Ratio	33.14	33.14	4.05	-	-	3.88
Net Debt / Equity Ratio	-0.05	-0.05	-0.44	-0.29	-0.18	-0.37
Net Debt / FCF Ratio	-1.30	-1.30	-2.24	0.74	1.67	-1.78
Return on Equity (ROE)	10.74%	10.74%	9.91%	7.41%	6.29%	10.50%
Return on Assets (ROA)	1.09%	1.09%	1.05%	0.77%	0.65%	1.08%
Earnings Yield	7.22%	7.64%	7.32%	5.80%	6.19%	9.61%
FCF Yield	2.78%	2.94%	15.26%	-31.49%	-10.27%	20.03%
Dividend Yield	4.36%	4.62%	4.66%	4.62%	5.04%	5.03%
Buyback Yield / Dilution	0.00%	0.00%	0.00%	0.00%	-0.02%	0.01%
Total Shareholder Return	4.32%	4.62%	4.66%	4.63%	5.02%	5.04%

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