Crédit Immobilier et Hôtelier, Société Anonyme (CBSE:CIH)
Morocco · Delayed Price · Currency is MAD 301.10
+1.00 (0.33%)
At close: Oct 9, 2026
CBSE:CIH Income Statement
Financials in millions MAD. Fiscal year is January - December.
Millions MAD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 |
Interest Income on Loans | 5,824 | 5,433 | 5,097 | 4,712 | 3,950 | 3,508 |
Interest Income on Investments | 47.32 | 38.36 | 34.59 | 36.53 | 84.49 | 28.08 |
Total Interest Income | 5,872 | 5,472 | 5,132 | 4,749 | 4,034 | 3,536 |
Interest Paid on Deposits | 2,110 | 2,051 | 2,101 | 1,906 | 1,365 | 1,232 |
Net Interest Income | 3,762 | 3,420 | 3,031 | 2,843 | 2,669 | 2,304 |
Net Interest Income Growth | 17.11% | 12.87% | 6.61% | 6.51% | 15.83% | 23.54% |
Income From Trading Activities | 274.85 | 367.93 | 303.59 | 304.65 | 44.19 | 134.81 |
Gain (Loss) on Sale of Assets | -23.63 | -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 | 1,464 | 1,634 | 1,405 | 1,321 | 805.77 | 730.15 |
Total Non-Interest Income | 1,715 | 1,978 | 1,616 | 1,581 | 605.03 | 915.28 |
Non-Interest Income Growth | -7.25% | 22.46% | 2.18% | 161.33% | -33.90% | -3.45% |
Revenues Before Loan Losses | 5,477 | 5,399 | 4,646 | 4,424 | 3,274 | 3,219 |
Provision for Loan Losses | 1,217 | 1,209 | 1,072 | 1,281 | 590.37 | 456.53 |
| 4,259 | 4,190 | 3,574 | 3,143 | 2,684 | 2,763 | |
Revenue Growth | 8.53% | 17.21% | 13.72% | 17.13% | -2.87% | 52.11% |
Occupancy Expenses | 240.75 | 244.29 | 208.93 | 202.57 | 194.16 | 155.63 |
Other Non-Interest Expense | 2,066 | 1,971 | 1,825 | 1,662 | 1,404 | 1,537 |
Total Non-Interest Expense | 2,237 | 2,152 | 1,973 | 1,820 | 1,562 | 1,687 |
EBT Excluding Unusual Items | 2,022 | 2,038 | 1,602 | 1,323 | 1,122 | 1,076 |
Asset Writedown | 4.26 | 4.26 | -1.17 | 0.1 | -7.17 | -68.62 |
Pretax Income | 2,026 | 2,042 | 1,601 | 1,323 | 1,114 | 1,007 |
Income Tax Expense | 783.99 | 821.7 | 634.67 | 545.98 | 403.39 | 385.13 |
Earnings From Continuing Operations | 1,243 | 1,220 | 966.04 | 776.97 | 710.96 | 622.01 |
Minority Interest in Earnings | -151.59 | -131.12 | -90.16 | -66.57 | -41.88 | -18.97 |
Net Income | 1,091 | 1,089 | 875.88 | 710.39 | 669.09 | 603.04 |
Net Income to Common | 1,091 | 1,089 | 875.88 | 710.39 | 669.09 | 603.04 |
Net Income Growth | 3.98% | 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 | - | 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% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 |
Dividend Per Share | 14.000 | 14.000 | 14.000 | 14.000 | 14.000 | 14.000 |
Dividend Growth | 0% | 0% | 0% | 0% | 0% | 75.00% |
Effective Tax Rate | 38.69% | 40.24% | 39.65% | 41.27% | 36.20% | 38.24% |