CFG Bank Income Statement

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

Millions MAD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	1,017	835.71	574.93	435.71	310.27
Interest Paid on Deposits	485.05	462.61	310.2	184.98	154.52
Net Interest Income	531.95	373.1	264.73	250.73	155.75
Net Interest Income Growth (YoY)	42.58%	40.93%	5.58%	60.98%	24.39%
Gain (Loss) on Sale of Assets	-26.8	-5.77	-4.58	-2.94	31.4
Other Non-Interest Income	715.28	568.31	392.66	249.66	244.6
Total Non-Interest Income	688.49	562.54	388.09	246.73	276
Non-Interest Income Growth (YoY)	22.39%	44.95%	57.29%	-10.61%	73.03%
Revenues Before Loan Losses	1,220	935.64	652.82	497.46	431.76
Provision for Loan Losses	45.65	41.07	24.86	30.98	35.97
Revenue	1,175	894.57	627.96	466.47	395.79
Revenue Growth (YoY)	31.32%	42.46%	34.62%	17.86%	48.53%
Occupancy Expenses	100.56	65.69	56.13	55.09	53.36
Other Non-Interest Expense	513.42	487.61	377.58	331.56	293.59
Total Non-Interest Expense	613.98	553.3	433.71	386.65	346.95
EBT Excluding Unusual Items	560.8	341.27	194.25	79.82	48.84
Pretax Income	560.8	341.27	194.25	79.82	48.84
Income Tax Expense	179.44	63.1	16.68	25.48	17.48
Earnings From Continuing Operations	381.36	278.17	177.57	54.34	31.36
Minority Interest in Earnings	-10.92	-16.35	-11.54	-10.46	-2.81
Net Income	370.45	261.82	166.03	43.89	28.55
Net Income to Common	370.45	261.82	166.03	43.89	28.55
Net Income Growth	41.49%	57.70%	278.31%	53.71%	-
Basic Shares Outstanding	34	33	33	23	5
Diluted Shares Outstanding	34	33	33	23	5
Shares Change (YoY)	3.29%	0.57%	41.77%	353.85%	-3.85%
EPS (Basic)	10.89	7.95	5.07	1.90	5.61
EPS (Diluted)	10.89	7.95	5.07	1.90	5.61
EPS Growth	36.98%	56.81%	166.84%	-66.13%	-
Dividend Per Share	4.000	3.300	3.300	-	-
Dividend Growth	21.21%	-	-	-	-
Effective Tax Rate	32.00%	18.49%	8.59%	31.92%	35.79%