CBSE:CIH 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	5,433	5,097	4,712	3,950	3,508
Interest Income on Investments	38.36	34.59	36.53	84.49	28.08
Total Interest Income	5,472	5,132	4,749	4,034	3,536
Interest Paid on Deposits	2,051	2,101	1,906	1,365	1,232
Net Interest Income	3,420	3,031	2,843	2,669	2,304
Net Interest Income Growth (YoY)	12.87%	6.61%	6.51%	15.83%	23.54%
Income From Trading Activities	367.93	303.59	304.65	44.19	134.81
Gain (Loss) on Sale of Assets	-23.63	-39.09	-44.51	14.22	14.59
Gain (Loss) on Sale of Investments	-	-54.36	-	-259.15	35.72
Other Non-Interest Income	1,634	1,405	1,321	805.77	730.15
Total Non-Interest Income	1,978	1,616	1,581	605.03	915.28
Non-Interest Income Growth (YoY)	22.46%	2.18%	161.33%	-33.90%	-3.45%
Revenues Before Loan Losses	5,399	4,646	4,424	3,274	3,219
Provision for Loan Losses	1,209	1,072	1,281	590.37	456.53
Revenue	4,190	3,574	3,143	2,684	2,763
Revenue Growth (YoY)	17.21%	13.72%	17.13%	-2.87%	52.11%
Occupancy Expenses	665.67	208.93	202.57	194.16	155.63
Other Non-Interest Expense	1,971	1,825	1,662	1,404	1,537
Total Non-Interest Expense	2,573	1,973	1,820	1,562	1,687
EBT Excluding Unusual Items	1,617	1,602	1,323	1,122	1,076
Asset Writedown	425.64	-1.17	0.1	-7.17	-68.62
Pretax Income	2,042	1,601	1,323	1,114	1,007
Income Tax Expense	821.7	634.67	545.98	403.39	385.13
Earnings From Continuing Operations	1,220	966.04	776.97	710.96	622.01
Minority Interest in Earnings	-131.12	-90.16	-66.57	-41.88	-18.97
Net Income	1,089	875.88	710.39	669.09	603.04
Net Income to Common	1,089	875.88	710.39	669.09	603.04
Net Income Growth	24.37%	23.29%	6.17%	10.95%	647.67%
Basic Shares Outstanding	36	31	31	31	28
Diluted Shares Outstanding	36	31	31	31	28
Shares Change (YoY)	13.04%	3.20%	-	7.75%	-1.67%
EPS (Basic)	30.60	27.81	23.28	21.92	21.29
EPS (Diluted)	30.60	27.81	23.28	21.92	21.29
EPS Growth	10.02%	19.47%	6.17%	2.97%	660.36%
Dividend Per Share	14.000	14.000	14.000	14.000	14.000
Dividend Growth	-	-	-	-	75.00%
Effective Tax Rate	40.24%	39.65%	41.27%	36.20%	38.24%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.