CBSE:MAB Income Statement

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

Millions MAD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	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	2.72	2.77	2.73	6.49	1.47	0.5
Total Interest Expense	402.21	401.68	359.15	246.29	334.36	369.92
Net Interest Income	-399.48	-398.91	-356.42	-239.8	-332.89	-369.42
Commissions and Fees	0.63	1.28	1.3	0.81	0.74	0.57
Other Revenue	4,397	4,299	4,001	3,978	3,793	3,649
Revenue Before Loan Losses	3,998	3,901	3,646	3,739	3,461	3,281
Provision for Loan Losses	56.3	51.03	19.58	145.67	104.66	194.94
Revenue	3,942	3,850	3,627	3,593	3,356	3,086
Revenue Growth (YoY)	6.99%	6.16%	0.93%	7.07%	8.77%	-5.95%
Salaries & Employee Benefits	45.67	44.69	40	38.03	38.56	-
Cost of Services Provided	3,646	3,569	3,355	3,256	3,138	2,968
Other Operating Expenses	2.84	2.99	2.46	85.8	1.86	3.8
Total Operating Expenses	3,694	3,617	3,397	3,380	3,178	2,972
Operating Income	247.76	233.25	229.42	213.32	178.08	113.83
Currency Exchange Gain (Loss)	-	-	-	-	-	1.42
EBT Excluding Unusual Items	247.77	233.26	229.42	213.32	178.08	115.24
Other Unusual Items	0.82	-2.13	-12.74	-10.18	2.37	-13.69
Pretax Income	245.85	228.67	215.33	201	175.71	101.56
Income Tax Expense	106.52	93.04	87.53	82.05	76.66	37.32
Net Income	139.32	135.63	127.81	118.95	99.05	64.24
Net Income to Common	139.32	135.63	127.81	118.95	99.05	64.24
Net Income Growth	6.89%	6.12%	7.45%	20.09%	54.19%	-39.75%
Shares Outstanding (Basic)	1	1	1	1	1	1
Shares Outstanding (Diluted)	1	1	1	1	1	1
Shares Change (YoY)	-	-0.01%	0.01%	-0.00%	-0.00%	-
EPS (Basic)	100.65	97.99	92.33	85.94	71.56	46.41
EPS (Diluted)	100.65	97.99	92.33	85.94	71.56	46.41
EPS Growth	6.89%	6.13%	7.43%	20.09%	54.19%	-39.75%
Free Cash Flow	-	292.26	-294.44	30.38	-234.39	656.73
Free Cash Flow Per Share	-	211.15	-212.70	21.95	-169.34	474.45
Dividend Per Share	-	53.000	50.000	50.000	50.000	30.000
Dividend Growth	-	6.00%	-	-	66.67%	-40.00%
Operating Margin	6.29%	6.06%	6.33%	5.94%	5.31%	3.69%
Profit Margin	3.54%	3.52%	3.52%	3.31%	2.95%	2.08%
Free Cash Flow Margin	-	7.59%	-8.12%	0.84%	-6.98%	21.28%
Effective Tax Rate	43.33%	40.69%	40.65%	40.82%	43.63%	36.74%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.