CBSE:EQD Income Statement

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

Millions MAD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	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 and Dividend Income	512.74	516.42	554.16	570.55	559.5
Total Interest Expense	183.12	159.31	144.7	153.09	168.5
Net Interest Income	329.63	357.11	409.47	417.46	390.99
Commissions and Fees	85.89	66.92	67.03	77.4	64.3
Other Revenue	1,323	1,258	1,301	1,420	1,489
Revenue Before Loan Losses	1,738	1,682	1,777	1,915	1,944
Provision for Loan Losses	124.56	105.79	129.78	184.86	145.8
Revenue	1,614	1,576	1,647	1,730	1,799
Revenue Growth (YoY)	2.36%	-4.30%	-4.79%	-3.80%	-15.28%
Salaries & Employee Benefits	98.38	97.39	87.19	89.55	93.33
Cost of Services Provided	1,392	1,298	1,362	1,478	1,568
Other Operating Expenses	13.47	12.81	9.37	41.27	31.08
Total Operating Expenses	1,521	1,424	1,473	1,619	1,700
Operating Income	92.65	152.66	174.26	110.73	98.12
EBT Excluding Unusual Items	92.65	152.66	174.26	110.73	98.12
Other Unusual Items	-6.3	1.23	-11.33	-6.33	-15.42
Pretax Income	86.36	153.88	162.94	104.4	82.71
Income Tax Expense	91.07	64.76	74.03	71.11	47.34
Earnings From Continuing Ops.	-4.72	89.13	88.91	33.29	35.36
Minority Interest in Earnings	-0.61	-0.55	-0.6	-0.69	-0.76
Net Income	-5.32	88.57	88.32	32.6	34.6
Net Income to Common	-5.32	88.57	88.32	32.6	34.6
Net Income Growth	-	0.29%	170.88%	-5.77%	-74.54%
Shares Outstanding (Basic)	2	2	2	2	2
Shares Outstanding (Diluted)	2	2	2	2	2
EPS (Basic)	-3.19	53.03	52.88	19.52	20.71
EPS (Diluted)	-3.19	53.03	52.88	19.52	20.71
EPS Growth	-	0.29%	170.88%	-5.77%	-74.54%
Free Cash Flow	164.11	36.16	78.96	32.07	0.05
Free Cash Flow Per Share	98.25	21.65	47.27	19.20	0.03
Dividend Per Share	-	-	55.000	40.000	65.000
Dividend Growth	-	-	37.50%	-38.46%	-
Operating Margin	5.74%	9.68%	10.58%	6.40%	5.46%
Profit Margin	-0.33%	5.62%	5.36%	1.88%	1.92%
Free Cash Flow Margin	10.17%	2.29%	4.79%	1.85%	0.00%
Effective Tax Rate	105.46%	42.08%	45.43%	68.11%	57.24%

Updated Dec 31, 2024. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.