CBSE:MAB 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	1.52	2.77	2.73	6.49	1.47
Total Interest Expense	409.61	401.68	359.15	246.29	334.36
Net Interest Income	-408.1	-398.91	-356.42	-239.8	-332.89
Commissions and Fees	22.62	1.28	1.3	0.81	0.74
Other Revenue	4,582	4,299	4,001	3,978	3,793
Revenue Before Loan Losses	4,197	3,901	3,646	3,739	3,461
Provision for Loan Losses	67.82	51.03	19.58	145.67	104.66
Revenue	4,129	3,850	3,627	3,593	3,356
Revenue Growth (YoY)	7.24%	6.16%	0.93%	7.07%	8.77%
Salaries & Employee Benefits	46.33	44.69	40	38.03	38.56
Cost of Services Provided	3,804	3,569	3,355	3,256	3,138
Other Operating Expenses	2.12	2.99	2.46	85.8	1.86
Total Operating Expenses	3,853	3,617	3,397	3,380	3,178
Operating Income	276.15	233.25	229.42	213.32	178.08
EBT Excluding Unusual Items	276.15	233.26	229.42	213.32	178.08
Other Unusual Items	-11.64	-2.13	-12.74	-10.18	2.37
Pretax Income	261.84	228.67	215.33	201	175.71
Income Tax Expense	113.64	93.04	87.53	82.05	76.66
Net Income	148.2	135.63	127.81	118.95	99.05
Net Income to Common	148.2	135.63	127.81	118.95	99.05
Net Income Growth	9.26%	6.12%	7.45%	20.09%	54.19%
Shares Outstanding (Basic)	-	1	1	1	1
Shares Outstanding (Diluted)	-	1	1	1	1
Shares Change (YoY)	-	-0.01%	0.01%	-0.00%	-0.00%
EPS (Basic)	-	97.99	92.33	85.94	71.56
EPS (Diluted)	-	97.99	92.33	85.94	71.56
EPS Growth	-	6.13%	7.43%	20.09%	54.19%
Free Cash Flow	-	292.26	-294.44	30.38	-234.39
Free Cash Flow Per Share	-	211.15	-212.70	21.95	-169.34
Dividend Per Share	-	53.000	50.000	50.000	50.000
Dividend Growth	-	6.00%	-	-	66.67%
Operating Margin	6.69%	6.06%	6.33%	5.94%	5.31%
Profit Margin	3.59%	3.52%	3.52%	3.31%	2.95%
Free Cash Flow Margin	-	7.59%	-8.12%	0.84%	-6.98%
Effective Tax Rate	43.40%	40.69%	40.65%	40.82%	43.63%

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.