Crédit Immobilier et Hôtelier, Société Anonyme (CBSE: CIH)

CIH Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jun 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	1,555	1,473	1,557	1,615	1,606	879.89
Investment Securities	11,688	10,903	11,941	6,580	6,268	3,127
Trading Asset Securities	5,897	5,229	6,887	8,460	6,956	6,891
Total Investments	17,584	16,132	18,829	15,039	13,224	10,018
Gross Loans	98,078	96,680	88,727	81,514	68,141	56,423
Allowance for Loan Losses	-5,176	-4,728	-3,743	-3,214	-3,165	-2,299
Other Adjustments to Gross Loans	-	-24.11	-24.48	-20.81	-18.72	-
Net Loans	92,902	91,928	84,959	78,280	64,958	54,124
Property, Plant & Equipment	2,331	2,348	2,243	2,275	2,156	2,071
Goodwill	296.53	296.53	174.88	299.43	299.43	299.43
Other Intangible Assets	682.42	627.38	539.29	496.05	392.45	213.57
Investments in Real Estate	1,801	1,836	1,670	1,070	1,253	1,260
Accrued Interest Receivable	1,066	797.55	676.81	577.83	445.74	314.74
Other Receivables	5,979	6,535	3,953	4,137	3,848	3,929
Restricted Cash	1,361	2,372	1,645	1,847	641.49	1,694
Other Current Assets	543.96	426.06	262.56	294.64	298.47	166.79
Long-Term Deferred Tax Assets	690.29	662.67	647.28	486.15	445.02	164.54
Other Long-Term Assets	177.14	-	0	-0	-0	0
Total Assets	126,969	125,434	117,157	106,417	89,566	75,134
Accrued Expenses	2,945	2,614	2,226	1,850	1,314	937.69
Interest Bearing Deposits	20,712	28,937	25,793	26,313	23,453	20,442
Non-Interest Bearing Deposits	45,570	45,915	43,360	37,303	30,855	24,138
Total Deposits	66,282	74,852	69,153	63,616	54,309	44,580
Current Portion of Long-Term Debt	549.08	144	144.26	269.26	1,110	110.96
Current Income Taxes Payable	358.83	799.37	462.4	398.36	331.47	290.8
Accrued Interest Payable	10,959	149.14	129.77	168.82	162.74	161.76
Other Current Liabilities	7.57	24.24	0.35	35.28	1.81	0.4
Long-Term Debt	33,946	35,876	34,395	30,140	24,363	20,395
Long-Term Leases	75.21	74.48	58.41	39.09	361.33	260.07
Pension & Post-Retirement Benefits	182.42	179	-	197.86	203.98	191.97
Long-Term Deferred Tax Liabilities	362.11	364.13	646.67	373.73	237.9	140.83
Other Long-Term Liabilities	3,730	2,814	2,858	3,482	1,747	2,577
Total Liabilities	119,399	117,891	110,074	100,571	84,142	69,647
Common Stock	3,052	3,052	3,052	2,832	2,832	2,832
Retained Earnings	442.14	710.39	669.09	603.04	80.66	426.38
Comprehensive Income & Other	3,350	3,045	2,818	1,897	1,999	1,858
Total Common Equity	6,844	6,808	6,539	5,332	4,912	5,117
Minority Interest	726.06	735.3	544.44	514.25	512.23	370.43
Shareholders' Equity	7,570	7,543	7,083	5,847	5,424	5,488
Total Liabilities & Equity	126,969	125,434	117,157	106,417	89,566	75,134
Total Debt	34,571	36,095	34,598	30,448	25,834	20,766
Net Cash (Debt)	-27,089	-29,393	-26,153	-20,373	-17,273	-12,996
Net Cash Per Share	-887.60	-963.07	-856.92	-719.28	-599.64	-458.81
Filing Date Shares Outstanding	30.52	30.52	30.52	28.32	28.32	28.32
Total Common Shares Outstanding	30.52	30.52	30.52	28.32	28.32	28.32
Book Value Per Share	224.26	223.06	214.24	188.26	173.42	180.66
Tangible Book Value	5,865	5,884	5,824	4,537	4,220	4,604
Tangible Book Value Per Share	192.18	192.79	190.84	160.18	148.99	162.55

Source: S&P Capital IQ. Banks template. Financial Sources.