Customer deposits at December 31, 2022 (thousand MAD)
Debt securities issued at December 31, 2022(thousand MAD)
Details of other liabilities at December 31, 2022(thousand MAD)
Provisions at December 31, 2022(thousand MAD)
DEPOSITS public sector
private sector
Total
12/31/2022
Total
12/31/2021
Financial companies
non-financial
companies
Other companies
CURRENT ACCOUNTS IN CREDIT 2 743 847 4 114 327 44 952 097 150 931 580 202 741 851 188 651 111
SAVINGS ACCOUNTS 472 30 766 493 30 766 965 29 938 912
TERM DEPOSITS 5 500 2 748 830 4 502 611 18 051 192 25 308 133 28 981 191
OTHER ACCOUNTS IN CREDIT 762 838 845 684 9 755 084 3 345 814 14 709 420 13 146 556
ACCRUED INTEREST PAYABLE 365 911 379 204
TOTAL 3 512 185 7 708 841 59 210 264 203 095 079 273 892 280 261 096 974
LIABILITIES AMOUNT At 12/31/2022 AMOUNT At 12/31/2021
OPTIONS SOLD 31 008 451 769
SUNDRY SECURITIES TRANSACTIONS 4 073 264 6 042 412
SUNDRY CREDITORS 3 051 817 3 041 543
Amounts due to the State 856 968 988 561
Amounts due to mutual societies 87 985 86 669
Sundry amounts due to staff 609 861 584 989
Sundry amounts due to shareholders and associates 6 000 5 724
Amounts due to suppliers of goods and services 1 400 956 1 294 554
Other sundry creditors 90 047 81 046
DEFERRED INCOME AND ACCRUED EXPENSES 1 654 568 1 344 782
Adjustment accounts for off-balance sheet transactions 2 964 50 814
Translation differences for foreign currencies and securities
Income from derivative products and hedging
Inter-company accounts between head office, branch offices and branches in Morocco
Accrued expenses and deferred income 992 668 772 462
Other deferred income 658 936 521 506
TOTAL 8 810 657 10 880 506
PROVISIONS
outstanding
12/31/2021
Additional provisions Write-backs other changes
outstanding
12/31/2022
PROVISIONS, DEDUCTED FROM ASSETS, FOR: 12 264 353 1 751 343 255 686 35 913 13 795 923
Loans and advances to credit institutions and other similar
establishments
Loans and advances to customers 10 954 500 1 032 642 245 083 1 063 11 743 122
Availableforsale securities 27 094 594 4 398 23 290
Investments in affiliates and other longterm investments 1 266 382 718 107 6 205 1 978 284
Leased and rented assets
Other assets 16 377 34 850 51 227
PROVISIONS RECORDED UNDER LIABILITIES 4 594 283 874 168 271 831 977 5 195 643
Provisions for risks in executing signature loans 794 073 97 435 36 946 977 853 585
provisions for general risks 2 305 797 593 895 2 899 692
Provisions for pension fund and similar obligations 211 919 42 961 45 364 209 516
Other provisions 904 494 139 877 63 521 980 850
Regulated provisions 378 000 126 000 252 000
TOTAL 16 858 636 2 625 511 527 517 34 936 18 991 566
SecURitieS
characteristics
Value
including
Unamortised value of
issue or redemption
premiums
entitlement date Maturity
nominal
value
interest rate Redemption terms Affiliates
Related
companies
Certificate of deposit 02/02/2018 02/02/2023 100 4,00%IN FINE 300 000
Certificate of deposit 06/13/2018 06/13/2023 100 3,30%IN FINE 400 000
Certificate of deposit 12/14/2018 12/14/2023 100 3,40%IN FINE 500 000
Certificate of deposit 03/28/2019 03/28/2023 100 3,06%IN FINE 395 200
Certificate of deposit 03/29/2019 03/29/2023 100 3,05%IN FINE 210 000
Certificate of deposit 04/18/2019 04/18/2023 100 3,03%IN FINE 200 000
Certificate of deposit 06/20/2019 06/20/2023 100 2,86%IN FINE 500 000
Certificate of deposit 07/10/2019 07/10/2023 100 2,88%IN FINE 500 000
Certificate of deposit 11/28/2019 11/28/2023 100 2,78%IN FINE 206 000
Certificate of deposit 03/12/2020 03/13/2023 100 2,75%IN FINE 630 000
Certificate of deposit 03/20/2020 03/25/2025 100 2,98%IN FINE 450 000
Certificate of deposit 09/07/2020 09/09/2024 100 2,39%IN FINE 110 000
Certificate of deposit 10/02/2020 10/02/2025 100 2,55%IN FINE 100 000
Certificate of deposit 02/01/2021 02/01/2023 100 1,98%IN FINE 414 000
Certificate of deposit 02/01/2021 02/02/2026 100 2,41%IN FINE 726 000
Certificate of deposit 04/20/2021 04/20/2026 100 2,35%IN FINE 1 125 000
Certificate of deposit 03/15/2022 03/15/2024 100 2,10%IN FINE 1 550 000
Certificate of deposit 03/15/2022 03/15/2027 100 2,54%IN FINE 503 500
Total
8 819 700
