CBSE:CIH Income Statement

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	Jun '25 Jun 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
Interest Income on Loans	5,228	5,097	4,712	3,950	3,508	3,100
Interest Income on Investments	34.5	34.59	36.53	84.49	28.08	1.91
Total Interest Income	5,262	5,132	4,749	4,034	3,536	3,102
Interest Paid on Deposits	2,051	2,101	1,906	1,365	1,232	1,237
Net Interest Income	3,212	3,031	2,843	2,669	2,304	1,865
Net Interest Income Growth (YoY)	10.72%	6.61%	6.51%	15.83%	23.54%	14.17%
Income From Trading Activities	380.42	303.59	304.65	44.19	134.81	214.87
Gain (Loss) on Sale of Assets	-39.09	-39.09	-44.51	14.22	14.59	23.42
Gain (Loss) on Sale of Investments	-54.36	-54.36	-	-259.15	35.72	14.61
Other Non-Interest Income	1,562	1,405	1,321	805.77	730.15	695.04
Total Non-Interest Income	1,849	1,616	1,581	605.03	915.28	947.94
Non-Interest Income Growth (YoY)	11.35%	2.18%	161.33%	-33.90%	-3.45%	4.57%
Revenues Before Loan Losses	5,061	4,646	4,424	3,274	3,219	2,813
Provision for Loan Losses	1,137	1,072	1,281	590.37	456.53	996.6
Revenue	3,924	3,574	3,143	2,684	2,763	1,816
Revenue Growth (YoY)	19.97%	13.72%	17.13%	-2.87%	52.11%	-20.69%
Occupancy Expenses	241.47	208.93	202.57	194.16	155.63	162.2
Other Non-Interest Expense	1,861	1,825	1,662	1,404	1,537	1,510
Total Non-Interest Expense	2,038	1,973	1,820	1,562	1,687	1,674
EBT Excluding Unusual Items	1,887	1,602	1,323	1,122	1,076	142.06
Asset Writedown	-1.17	-1.17	0.1	-7.17	-68.62	-29.95
Pretax Income	1,885	1,601	1,323	1,114	1,007	112.12
Income Tax Expense	718.65	634.67	545.98	403.39	385.13	67.42
Earnings From Continuing Operations	1,167	966.04	776.97	710.96	622.01	44.7
Minority Interest in Earnings	-117.54	-90.16	-66.57	-41.88	-18.97	35.96
Net Income	1,049	875.88	710.39	669.09	603.04	80.66
Net Income to Common	1,049	875.88	710.39	669.09	603.04	80.66
Net Income Growth	41.82%	23.29%	6.17%	10.95%	647.67%	-81.08%
Basic Shares Outstanding	-	31	31	31	28	28
Diluted Shares Outstanding	-	31	31	31	28	29
Shares Change (YoY)	-	3.20%	-	7.75%	-1.67%	1.70%
EPS (Basic)	-	27.81	23.28	21.92	21.29	2.85
EPS (Diluted)	-	27.81	23.28	21.92	21.29	2.80
EPS Growth	-	19.47%	6.17%	2.97%	660.36%	-81.40%
Dividend Per Share	14.000	14.000	14.000	14.000	14.000	8.000
Dividend Growth	-	-	-	-	75.00%	-42.86%
Effective Tax Rate	38.12%	39.65%	41.27%	36.20%	38.24%	60.13%

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