Securities received and given as guarantee at December 31, 2022(thousand MAD)

Breakdown of assets and liabilities by residual maturity at December 31, 2022(thousand MAD)

- Loans & Advances and demand deposits are classified according to run-off conventions adopted by the bank.

Breakdown of foreign currency-denominated assets, liabilities and off-balance sheet at December 31, 2022(thousand MAD)

Securities received as guarantee Net book value

Asset/off-balance sheet entries

in which loans and signature loans

pledged are given

Value of loans and signature loans pledged

that are hedged

Treasury bills and similar assets

N/D

Other securities

Mortgages

Other physical assets

TOTAL

Securities received as guarantee Net book value

Asset/off-balance sheet entries

in which loans and signature loans

pledged are given

Value of loans and signature loans

pledged that are hedged

Treasury bills and similar assets 14 650 075

Other securities

Mortgages

Other physical assets

TOTAL 14 650 075

D ≤ 1Months

1Months < D ≤

3Months

3Months < D ≤ 1

Years

1 an < D ≤ 5 Years

D > 5 Years TOTAL

ASSETS

Loans and advances to credit institutions and similar establishments 6 815 452 5 612 532 12 785 911 17 410 359 6 028 815 48 653 069

Loans and advances to customers 23 838 516 21 196 091 43 740 881 79 190 382 60 466 323 228 432 193

Receivables acquired through factoring 344 167 1 044 232 1 530 903 7 207 005 10 126 307

Available-for-sale securities 4 979 9 475 14 454 1 486 705 50 989 1 566 602

Investment securities 3 619 563 5 124 554 1 945 437 10 689 554

TOTAL 30 658 947 27 162 265 61 205 041 104 742 903 75 698 569 299 467 725

liABilitieS

Amounts owing to credit institutions and similar establishments 22 027 689 3 706 866 8 565 659 2 789 100 1 014 964 38 104 278

Amounts owing to customers 36 053 983 10 119 703 29 708 021 44 486 618 153 523 955 273 892 280

Debt securities issued 1 981 860 2 344 639 4 640 982 8 967 481

Subordinated debt 1 329 337 8 700 841 7 337 148 17 367 326

TOTAL 58 081 672 15 808 429 41 947 656 60 617 541 161 876 067 338 331 365

BALANCE SHEET 12/31/2022 12/31/2021

ASSETS :33 096 004 35 322 233

Cash and balances with central banks, the Treasury and post office accounts 159 282 68 768

Loans and advances to credit institutions and similar establishments 10 339 786 10 838 259

Loans and advances to customers 8 256 573 5 991 318

Trading securities and available-for-sale securities 2 612 148 6 872 614

Other assets 312 132 442 682

Investments in affiliates and other longterm investments 11 416 083 11 108 592

LIABILITIES 18 266 714 20 641 429

Amounts owing to central banks the Treasury and post office accounts

Amounts owing to credit institutions and similar establishments 9 524 437 10 822 153

Customer deposits 8 659 347 9 711 526

Other liabilities 82 930 107 750

OFFBALANCE SHEET 105 057 498 71 820 037

Commitments given 74 098 780 51 639 257

Commitments received 30 958 718 20 180 780