Banque Marocaine pour le Commerce et l'Industrie (CBSE:BCI)

CBSE:BCI Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	3,826	3,822	3,536	3,073	2,997	3,068
Interest Paid on Deposits	1,111	1,173	1,108	780.34	658.54	730.05
Net Interest Income	2,716	2,649	2,428	2,292	2,338	2,338
Net Interest Income Growth (YoY)	6.87%	9.09%	5.93%	-1.96%	0.02%	1.38%
Income From Trading Activities	622.82	610.95	506.18	393.65	352.53	-
Gain (Loss) on Sale of Assets	-16.85	-16.85	-5.08	-	12.26	-
Other Non-Interest Income	552.04	528.77	503.19	368.18	353.21	713.88
Total Non-Interest Income	1,158	1,123	1,004	761.83	718	713.88
Non-Interest Income Growth (YoY)	6.82%	11.81%	31.82%	6.10%	0.58%	-5.24%
Revenues Before Loan Losses	3,874	3,772	3,433	3,054	3,056	3,052
Provision for Loan Losses	846.33	809.99	633.36	561.59	575.33	901.29
Revenue	3,027	2,962	2,799	2,493	2,481	2,150
Revenue Growth (YoY)	6.12%	5.81%	12.30%	0.48%	15.37%	-17.90%
Occupancy Expenses	270.23	257.77	251.84	234.98	245.12	210.74
Other Non-Interest Expense	2,008	1,983	1,939	1,847	1,885	1,582
Total Non-Interest Expense	2,286	2,245	2,187	2,075	2,130	1,790
EBT Excluding Unusual Items	741.06	716.45	612.79	417.31	350.98	360.31
Pretax Income	741.06	716.45	612.79	417.31	350.98	360.31
Income Tax Expense	409.74	390.38	441.76	232.42	184.18	215.53
Earnings From Continuing Operations	331.31	326.07	171.03	184.89	166.8	144.78
Minority Interest in Earnings	5.7	-0.92	0.2	43.73	27.31	10.72
Net Income	337.01	325.15	171.22	228.62	194.11	155.5
Net Income to Common	337.01	325.15	171.22	228.62	194.11	155.5
Net Income Growth	104.53%	89.89%	-25.10%	17.78%	24.83%	-74.30%
Basic Shares Outstanding	13	13	13	13	13	13
Diluted Shares Outstanding	13	13	13	13	13	13
EPS (Basic)	25.29	24.49	12.89	17.22	14.62	11.71
EPS (Diluted)	25.29	24.49	12.89	17.22	14.62	11.71
EPS Growth	100.69%	89.89%	-25.10%	17.78%	24.83%	-74.30%
Dividend Per Share	18.000	18.000	18.000	18.000	-	43.000
Effective Tax Rate	55.29%	54.49%	72.09%	55.69%	52.48%	59.82%

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