Net interest margin at December 31, 2022 (thousand MAD)
Fee income provided from services at December 31, 2022 (thousand MAD)
General operating expenses at December 31, 2022 (thousand MAD)
Income from market activities at December 31, 2022 (thousand MAD)
Risk concentration with the same counterparty at December 31, 2022 (thousand MAD)
NUMBER OF COUNTERPARTIES TOTAL COMMITMENT
21 81 329 489
12/31/2022 12/31/2021
Interest and similar income from activities with customers
9 974 306 9 885 774
of which interest and similar income 9 664 545 9 598 996
of which fee income on commitments 309 761 286 778
Interest and similar income from activities with credit institutions 919 081 837 184
of which interest and similar income 850 275 762 816
of which fee income on commitments 68 806 74 368
Interest and similar income from debt securities 329 480 306 388
TOTAL INTEREST AND SIMILAR INCOME 11 222 867 11 029 346
Interest and similar expenses on activities with customers 1 657 840 1 739 754
Interest and similar expenses on activities with credit institutions 567 014 463 480
Interest and similar expenses on debt securities issued 271 811 319 767
TOTAL INTEREST AND SIMILAR EXPENSES 2 496 665 2 523 001
NET INTEREST MARGIN 8 726 202 8 506 345
Fees
12/31/2022 12/31/2021
Account management
201 843 246 637
Payment services 1 007 410 894 527
Securities transactions 51 313 57 904
Asset management and custody 93 038 91 468
Credit services 154 176 157 194
Sale of insurance products 153 560 148 846
Other services provided 491 897 414 969
TOTAL 2 153 237 2 011 545
EXPENSES
12/31/2022 12/31/2021
Staff costs
2 352 366 2 273 129
Taxes 65 025 70 014
External expenses 1 730 184 1 722 630
Other general operating expenses 105 377 93 310
Depreciation, amortisation and provisions on intangible assets and property, plant and equipment 600 268 573 541
TOTAL 4 853 219 4 732 623
INCOME AND EXPENDITURES
12/31/2022 12/31/2021
+ Gains on trading securities
1 506 735 1 937 341
- Losses on trading securities 1 499 831 687 840
Income from activities in trading securities 6 904 1 249 501
+ Capital gains on disposal of available-for-sale securities 12 030
+ Write-back of provisions for impairment of available-for-sale securities 4 398 3 786
- Losses on disposal of available-for-sale securities 1 420
- Provisions for impairment of available-for-sale securities 593 6
Income from activities in available-for-sale securities 15 835 2 360
+ Gains on foreign exchange transactions - transfers 1 370 930 1 426 279
+ Gains on foreign exchange transactions - notes 164 238 73 731
- Losses on foreign exchange transactions - transfers 281 037 455 025
Losses on foreign exchange transactions notes 76 003 30 449
Income from foreign exchange activities 1 178 128 1 014 536
Gains on fixed income derivative products 648 791 370 100
Gains on foreign exchange derivative products 135 188
Gains on other derivative products 151 368 68 636
Losses on fixed income derivative products 6 190 36 484
Losses on foreign exchange derivative products 231 569
Losses on other derivative products 98 971 72 217
Income from activities in derivatives products 830 186 98 466
Income from equity securities at December 31 2022 thousand MAD
CATEGORY
12312022 12312021
Availableforsale securities
Investments in affiliates and other longterm investments 2 035 905 1 733 767
TOTAL 2 035 905 1 733 767
