CBSE:EQD 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 and Dividend Income	535.81	512.74	516.42	554.16	570.55
Total Interest Expense	207.62	183.12	159.31	144.7	153.09
Net Interest Income	328.19	329.63	357.11	409.47	417.46
Commissions and Fees	96.2	85.89	66.92	67.03	77.4
Other Revenue	1,537	1,323	1,258	1,301	1,420
Revenue Before Loan Losses	1,962	1,738	1,682	1,777	1,915
Provision for Loan Losses	75	124.56	105.79	129.78	184.86
Revenue	1,887	1,614	1,576	1,647	1,730
Revenue Growth (YoY)	16.94%	2.36%	-4.30%	-4.79%	-3.80%
Salaries & Employee Benefits	104.06	98.38	97.39	87.19	89.55
Cost of Services Provided	1,588	1,392	1,298	1,362	1,478
Other Operating Expenses	15.62	13.47	12.81	9.37	41.27
Total Operating Expenses	1,727	1,521	1,424	1,473	1,619
Operating Income	160.24	92.65	152.66	174.26	110.73
EBT Excluding Unusual Items	160.24	92.65	152.66	174.26	110.73
Other Unusual Items	1.82	-6.3	1.23	-11.33	-6.33
Pretax Income	162.06	86.36	153.88	162.94	104.4
Income Tax Expense	62.8	91.07	64.76	74.03	71.11
Earnings From Continuing Ops.	99.26	-4.72	89.13	88.91	33.29
Minority Interest in Earnings	-0.7	-0.61	-0.55	-0.6	-0.69
Net Income	98.56	-5.32	88.57	88.32	32.6
Net Income to Common	98.56	-5.32	88.57	88.32	32.6
Net Income Growth	-	-	0.29%	170.88%	-5.77%
Shares Outstanding (Basic)	-	2	2	2	2
Shares Outstanding (Diluted)	-	2	2	2	2
EPS (Basic)	-	-3.19	53.03	52.88	19.52
EPS (Diluted)	-	-3.19	53.03	52.88	19.52
EPS Growth	-	-	0.29%	170.88%	-5.77%
Free Cash Flow	-9.93	164.11	36.16	78.96	32.07
Free Cash Flow Per Share	-	98.25	21.65	47.27	19.20
Dividend Per Share	-	-	-	55.000	40.000
Dividend Growth	-	-	-	37.50%	-38.46%
Operating Margin	8.49%	5.74%	9.68%	10.58%	6.40%
Profit Margin	5.22%	-0.33%	5.62%	5.36%	1.88%
Free Cash Flow Margin	-0.53%	10.17%	2.29%	4.79%	1.85%
Effective Tax Rate	38.75%	105.46%	42.08%	45.43%	68.11%

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