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Review pending. Every figure has been located on its cited source page in an AI-assisted source verification (matched to the document's text) (17 October 2026). Independent review has not yet been carried out, and these pages are not indexed.AI-assisted source check done; independent review pending; not indexed. About the review

BCP

BCP · Bourse de Casablanca · Consolidated statements

On this page
Company details
Legal name
Banque Centrale Populaire
Listing
BCP on the Bourse de Casablanca, active · ISIN MA0000011884 (observed 2026-10-08)
Sector
Not classified (our classification from the stated principal activity)
Financial year ends
31 December

Overview

Year ended 31 December 2024 · annual report, signed / final · source

Read with these figures

  • Auditor's emphasis of matter. Observation (p40): 'Sans remettre en cause la conclusion exprimée ci-dessus, nous attirons votre attention sur la note 6 des annexes, relative aux passifs éventuels.' Note 6 is not among the notes printed in this RFA (pp34-39).
Full wording and sources

  • Auditor's emphasis of matter

    Observation (p40): 'Sans remettre en cause la conclusion exprimée ci-dessus, nous attirons votre attention sur la note 6 des annexes, relative aux passifs éventuels.' Note 6 is not among the notes printed in this RFA (pp34-39).

    Source: Groupe BCP — Rapport Financier Annuel 2024 (dated 2025-04-29)

  • Net interest income

    MAD 14.6 billion

    14,618,923 MAD thousands · p31

    +4.3% vs 2023

    Interest income less interest expense, as printed.

  • PRODUIT NET BANCAIRE

    MAD 25.6 billion

    25,601,207 MAD thousands · p31

    +12.3% vs 2023

    The bank's own total of its income lines before credit impairment and operating expenses, under its printed label. What it includes differs between banks; it is not revenue.

  • Profit / (loss) for the year

    MAD 4.97 billion

    4,966,562 MAD thousands · p31

    +20.2% vs 2023

  • Total assets

    MAD 542 billion

    542,278,560 MAD thousands · p30

    +4.2% vs 2023

  • Customer deposits

    MAD 389 billion

    388,991,374 MAD thousands · p30

    +4.7% vs 2023

  • Total equity

    MAD 57.2 billion

    57,167,311 MAD thousands · p30

    +4.8% vs 2023

Large amounts are rounded for reading (MAD million / billion / trillion); exact figures as printed are under each amount and in the tables. No currency conversion.

Financial statements

Exact figures as printed. Each column comes from one filing; labels are as printed in the newest filing. Amounts in MAD thousands unless the row says otherwise; brackets are negative.

† from a supplementary filing for the same year · ‡ signed audited statements preferred over a disputed figure · “–” is a printed dash, explained below the table

Column sources

  • FY2024 — annual report, signed / final; reported for the year · source
  • FY2023 — annual report, signed / final; comparative in the FY2024 filing · source

Income statement

Income statement, MAD thousands. Columns: FY2024 — annual report (signed / final), as reported for the year; FY2023 — annual report (signed / final), comparative reported in the annual report for 2024.
Line (as printed) FY2024Annual reportreported for the yearFY2023Annual reportcomparative in FY2024 filing
Intérêts et produits assimilés 20,957,673 19,735,265
Intérêts et charges assimilés (6,338,750) (5,714,946)
MARGE D' INTÉRÊTS 14,618,923 14,020,319
Commissions perçues 4,781,465 4,495,691
Commissions servies (619,928) (498,250)
MARGE SUR COMMISSIONS 4,161,537 3,997,441
Gains ou pertes nets des instruments financiers à la juste valeur par résultat1 4,889,974 2,973,7252
Gains ou pertes nets sur actifs/passifs de transaction 4,628,719 2,700,0373
Gains ou pertes nets sur autres actifs/passifs à la juste valeur par résultat4 261,255 273,688
Gains ou pertes nets des instruments financiers à la juste valeur par capitaux propres5 1,061,173 942,228
Gains ou pertes nets sur instruments de dettes comptabilisés en capitaux propres recyclables6 235 519
Rémunération des instruments de capitaux propres comptabilisés en capitaux propres non recyclables (dividendes)7 1,060,938 941,709
RÉSULTAT DES ACTIVITÉS DE MARCHE8 5,951,147 3,915,953
Produits des autres activités9 575,834 583,479
Charges des autres activités10 (155,753) (176,898)
PRODUITS NETS DES ACTIVITÉS D'ASSURANCE11 449,519 454,480
PRODUIT NET BANCAIRE 25,601,207 22,794,774
Charges générales d'exploitation12 (10,151,569) (9,837,829)
Dotations aux amortissements et aux dépréciations des immobilisations incorporelles et corporelles13 (1,404,562) (1,379,072)
RÉSULTAT BRUT D'EXPLOITATION 14,045,076 11,577,873
Coût du risque14 (6,196,439) (5,358,228)
RÉSULTAT D'EXPLOITATION 7,848,637 6,219,645
Quote-part du résultat net des entreprises mises en équivalence (9,279) (1,536)
Gains ou pertes nets sur autres actifs15 56,322 44,524
RÉSULTAT AVANT IMPÔTS 7,895,680 6,262,633
Impôts sur les bénéfices (2,929,118) (2,129,296)
RÉSULTAT NET 4,966,562 4,133,337
Intérêts minoritaires16 821,216 658,050
Total des gains et pertes comptabilisés directement en capitaux propres 102,179 68,356
Résultat net et gains et pertes comptabilisés directement en capitaux propres 5,068,741 4,201,693
  1. Printed “2.973 725”; read as 2973725. p31: Printed '2.973 725' (a point in place of the first thousands space; the word-position re-read keeps only '2.973'/'2.700', so the cell is read on the page image, p31); read as 2 973 725, which with 942 228 gives the printed 'RÉSULTAT DES ACTIVITÉS DE MARCHE' 3 915 953.
  2. Printed “2.700 037”; read as 2700037. p31: Printed '2.700 037' (a point in place of the first thousands space; the word-position re-read keeps only '2.973'/'2.700', so the cell is read on the page image, p31); read as 2 700 037, which with 273 688 gives 2 973 725.
Notes and alternative reported figures (14)
  1. “Gains ou pertes nets des instruments financiers à la juste valeur par résultat” is an issuer-specific line, not mapped to a shared definition: Printed subtotal.
  2. “Gains ou pertes nets sur autres actifs/passifs à la juste valeur par résultat” is an issuer-specific line, not mapped to a shared definition: Within the FVTPL subtotal.
  3. “Gains ou pertes nets des instruments financiers à la juste valeur par capitaux propres” is an issuer-specific line, not mapped to a shared definition: Printed subtotal.
  4. “Gains ou pertes nets sur instruments de dettes comptabilisés en capitaux propres recyclables” is an issuer-specific line, not mapped to a shared definition: Within the FVOCI subtotal.
  5. “Rémunération des instruments de capitaux propres comptabilisés en capitaux propres non recyclables (dividendes)” is an issuer-specific line, not mapped to a shared definition: Dividends on FVOCI equity instruments.
  6. “RÉSULTAT DES ACTIVITÉS DE MARCHE” is an issuer-specific line, not mapped to a shared definition: Printed subtotal of the market activities.
  7. “Produits des autres activités” is an issuer-specific line, not mapped to a shared definition: Income from other activities.
  8. “Charges des autres activités” is an issuer-specific line, not mapped to a shared definition: Expenses of other activities.
  9. “PRODUITS NETS DES ACTIVITÉS D'ASSURANCE” is an issuer-specific line, not mapped to a shared definition: Net income of the insurance activities.
  10. “Charges générales d'exploitation” is an issuer-specific line, not mapped to a shared definition: General operating expenses.
  11. “Dotations aux amortissements et aux dépréciations des immobilisations incorporelles et corporelles”: mapping to a shared definition is uncertain. Depreciation, amortisation and impairment of intangible and tangible fixed assets, one line.
  12. “Coût du risque”: mapping to a shared definition is uncertain. Coût du risque (IFRS 9 impairment charge).
  13. “Gains ou pertes nets sur autres actifs” is an issuer-specific line, not mapped to a shared definition: Net gains or losses on other assets.
  14. “Intérêts minoritaires” is an issuer-specific line, not mapped to a shared definition: Net result attributable to minority interests.

Balance sheet

Balance sheet, MAD thousands. Columns: FY2024 — annual report (signed / final), as reported for the year; FY2023 — annual report (signed / final), comparative reported in the annual report for 2024.
Line (as printed) FY2024Annual reportreported for the yearFY2023Annual reportcomparative in FY2024 filing
Valeurs en caisse, Banques Centrales, Trésor public, Service des chèques postaux 20,240,625 15,498,734
Actifs financiers à la juste valeur par résultat1 103,426,956 90,483,733
Actifs financiers détenus à des fins de transactions 71,114,649 62,356,412
Autres actifs financiers à la juste valeur par résultat 32,312,307 28,127,321
Actifs financiers à la juste valeur par capitaux propres 36,028,396 34,454,879
Instruments de dettes comptabilisés à la juste valeur par capitaux propres recyclables2 28,070,276 27,251,567
Instruments de capitaux propres comptabilisés à la juste valeur par capitaux propres non recyclables3 7,958,120 7,203,312
Titres au coût amorti 30,251,624 30,891,572
Prêts et créances sur les établissements de crédit et assimilés, au coût amorti 27,610,227 23,041,915
Prêts et créances sur la clientèle, au coût amorti 287,240,813 289,685,697
Placements des activités d'assurance4 2,274,792 2,212,285
Actifs des contrats d'assurance 256,979 160,987
Actifs d'impôt exigible 1,616,954 1,814,650
Actifs d'impôt différé 4,943,941 4,507,012
Comptes de régularisation et autres actifs 8,307,858 7,095,878
Participations dans des entreprises mises en équivalence 29,649 25,140
Immeubles de placement 6,131,612 6,620,984
Immobilisations corporelles 10,471,360 10,204,159
Immobilisations incorporelles 1,103,036 1,132,996
Écarts d'acquisition5 2,343,738 2,414,780
TOTAL ACTIF IFRS 542,278,560 520,245,401
Banques centrales, Trésor public, Service des chèques postaux6 7,553 16,876
Dettes envers les Établissements de crédit et assimilés 49,566,074 52,910,752
Dettes envers la clientèle 388,991,374 371,636,646
Titres de créance émis7 401,080 444,402
Passifs d'impôt courant 4,212,351 2,782,229
Passifs d'impôt différé 1,047,434 999,923
Comptes de régularisation et autres passifs 14,956,553 12,799,933
Passifs des contrats d'assurance 2,577,887 2,331,035
Provisions pour risques et charges 7,808,025 6,421,148
Subventions, fonds publics affectés et fonds spéciaux de garantie8 4,025,107 3,770,567
Dettes subordonnées9 11,517,811 11,572,652
Capitaux propres10 57,167,311 54,559,238
Capital et réserves liées11 30,438,267 29,931,194
Réserves consolidées12 22,621,683 21,126,245
Part du groupe13 3,070,328 1,999,552
Part des minoritaires14 19,551,35515 19,126,693
Gains ou pertes comptabilisés directement en capitaux propres16 (859,201) (631,538)
Part du groupe17 (610,092) (500,274)
Part des minoritaires18 (249,109) (131,264)
Résultat net de l'exercice19 4,966,562 4,133,337
Part du groupe20 4,145,346 3,475,287
Part des minoritaires21 821,216 658,050
TOTAL PASSIF IFRS 542,278,560 520,245,401
  1. Printed “19 551.355”; read as 19551355. p30: Printed '19 551.355' with a point in place of the thousands space (text layer and page image, p30); read as 19 551 355, which with the group share 3 070 328 gives the printed 'Réserves consolidées' 22 621 683.
Notes and alternative reported figures (20)
  1. “Actifs financiers à la juste valeur par résultat” is an issuer-specific line, not mapped to a shared definition: Printed total of financial assets at fair value through profit or loss.
  2. “Instruments de dettes comptabilisés à la juste valeur par capitaux propres recyclables” is an issuer-specific line, not mapped to a shared definition: Debt instruments at FVOCI (recyclable).
  3. “Instruments de capitaux propres comptabilisés à la juste valeur par capitaux propres non recyclables” is an issuer-specific line, not mapped to a shared definition: Equity instruments at FVOCI (non-recyclable).
  4. “Placements des activités d'assurance” is an issuer-specific line, not mapped to a shared definition: Investments of the insurance activities.
  5. “Écarts d'acquisition” is an issuer-specific line, not mapped to a shared definition: Goodwill.
  6. “Banques centrales, Trésor public, Service des chèques postaux” is an issuer-specific line, not mapped to a shared definition: Amounts due to central banks, Treasury and postal cheque service.
  7. “Titres de créance émis” is an issuer-specific line, not mapped to a shared definition: Debt securities issued (certificates of deposit and similar).
  8. “Subventions, fonds publics affectés et fonds spéciaux de garantie” is an issuer-specific line, not mapped to a shared definition: Subsidies, earmarked public funds and special guarantee funds (printed outside 'Capitaux propres'; the auditors' stated consolidated equity includes it).
  9. “Dettes subordonnées” is an issuer-specific line, not mapped to a shared definition: Subordinated debt.
  10. “Capitaux propres”: mapping to a shared definition is uncertain. Printed 'Capitaux propres' 57 167 311; the auditors' report states consolidated equity of KMAD 61.192.418, which equals this figure plus 'Subventions, fonds publics affectés et fonds spéciaux de garantie' 4 025 107.
  11. “Capital et réserves liées” is an issuer-specific line, not mapped to a shared definition: Share capital and related reserves (premiums).
  12. “Réserves consolidées” is an issuer-specific line, not mapped to a shared definition: Consolidated reserves, group and minority shares.
  13. “Part du groupe” is an issuer-specific line, not mapped to a shared definition: Consolidated reserves, group share.
  14. “Part des minoritaires” is an issuer-specific line, not mapped to a shared definition: Consolidated reserves, minority share.
  15. “Gains ou pertes comptabilisés directement en capitaux propres” is an issuer-specific line, not mapped to a shared definition: Accumulated OCI, group and minority shares.
  16. “Part du groupe” is an issuer-specific line, not mapped to a shared definition: Accumulated OCI, group share.
  17. “Part des minoritaires” is an issuer-specific line, not mapped to a shared definition: Accumulated OCI, minority share.
  18. “Résultat net de l'exercice” is an issuer-specific line, not mapped to a shared definition: The year's net result within equity, group and minority shares.
  19. “Part du groupe” is an issuer-specific line, not mapped to a shared definition: The year's net result within equity, group share.
  20. “Part des minoritaires” is an issuer-specific line, not mapped to a shared definition: The year's net result within equity, minority share.

Cash flow

Cash flow, MAD thousands. Columns: FY2024 — annual report (signed / final), as reported for the year; FY2023 — annual report (signed / final), comparative reported in the annual report for 2024.
Line (as printed) FY2024Annual reportreported for the yearFY2023Annual reportcomparative in FY2024 filing
Résultat avant impôts1 7,895,680 6,262,633
Total des éléments non monétaires inclus dans le résultat net avant impôts et des autres ajustements2 4,152,972 (133,992)
Flux liés aux opérations avec les établissements de crédit et assimilés3 (6,172,422) 8,407,893
Flux liés aux opérations avec la clientèle4 17,038,287 (7,808,283)
Flux liés aux autres opérations affectant des actifs ou passifs financiers5 (14,349,149) (13,694,623)
Flux liés aux autres opérations affectant des actifs ou passifs non financiers6 1,188,068 348,590
Impôts versés (1,801,366) (1,337,275)
Diminution/(augmentation) nette des actifs et des passifs provenant des activités opérationnelles7 (4,096,582) (14,083,698)
Flux net de trésorerie généré par l'activité opérationnelle 7,952,070 (7,955,057)
Flux liés aux actifs financiers et aux participations8 476,186 3,081,139
Flux liés aux immeubles de placement9 562,061 600,698
Flux liés aux immobilisations corporelles et incorporelles10 (1,582,890) (1,787,670)
Flux net de trésorerie lié aux opérations d'investissement (544,643) 1,894,167
Flux de trésorerie provenant ou à destination des actionnaires11 (945,692) (1,376,638)
Autres flux de trésorerie nets provenant des activités de financement12 (186,804) 1,056,874
Flux net de trésorerie lié aux opérations de financement (1,132,496) (319,764)
Effet de la variation des taux de change sur la trésorerie et équivalent de trésorerie13 (234,006) (392,615)
Augmentation/(diminution) nette de la trésorerie et des équivalents de trésorerie 6,040,925 (6,773,269)
Trésorerie et équivalents de trésorerie à l'ouverture14 17,286,357 24,059,626
Trésorerie et équivalents de trésorerie à la clôture15 23,327,282 17,286,357
Notes and alternative reported figures (15)
  1. “Résultat avant impôts” is an issuer-specific line, not mapped to a shared definition: Starting line of the cash-flow statement.
  2. “Total des éléments non monétaires inclus dans le résultat net avant impôts et des autres ajustements” is an issuer-specific line, not mapped to a shared definition: Printed subtotal.
  3. “Flux liés aux opérations avec les établissements de crédit et assimilés” is an issuer-specific line, not mapped to a shared definition: Operating.
  4. “Flux liés aux opérations avec la clientèle” is an issuer-specific line, not mapped to a shared definition: Operating.
  5. “Flux liés aux autres opérations affectant des actifs ou passifs financiers” is an issuer-specific line, not mapped to a shared definition: Operating.
  6. “Flux liés aux autres opérations affectant des actifs ou passifs non financiers” is an issuer-specific line, not mapped to a shared definition: Operating.
  7. “Diminution/(augmentation) nette des actifs et des passifs provenant des activités opérationnelles” is an issuer-specific line, not mapped to a shared definition: Printed subtotal.
  8. “Flux liés aux actifs financiers et aux participations” is an issuer-specific line, not mapped to a shared definition: Investing.
  9. “Flux liés aux immeubles de placement” is an issuer-specific line, not mapped to a shared definition: Investing.
  10. “Flux liés aux immobilisations corporelles et incorporelles” is an issuer-specific line, not mapped to a shared definition: Investing.
  11. “Flux de trésorerie provenant ou à destination des actionnaires” is an issuer-specific line, not mapped to a shared definition: Financing (dividends and other shareholder flows).
  12. “Autres flux de trésorerie nets provenant des activités de financement” is an issuer-specific line, not mapped to a shared definition: Financing.
  13. “Effet de la variation des taux de change sur la trésorerie et équivalent de trésorerie” is an issuer-specific line, not mapped to a shared definition: Exchange-rate effect on cash, included in the printed net change in cash.
  14. “Trésorerie et équivalents de trésorerie à l'ouverture”: mapping to a shared definition is uncertain. Cash, central banks and postal cheques (assets and liabilities) plus sight accounts and loans/borrowings with credit institutions, net.
  15. “Trésorerie et équivalents de trésorerie à la clôture”: mapping to a shared definition is uncertain. Net: caisse, banques centrales, CCP (actif & passif) 20 233 072 plus sight accounts with credit institutions (actif & passif) 3 094 210.

Per share and shares

Per share and shares. Columns: FY2024 — annual report (signed / final), as reported for the year; FY2023 — annual report (signed / final), comparative reported in the annual report for 2024.
Line (as printed) FY2024Annual reportreported for the yearFY2023Annual reportcomparative in FY2024 filing
Earnings / (loss) per share (per share)1 20.39 17.09
Profit / (loss) attributable to shareholders (MAD thousands)2 4,145,346 3,475,287
Notes and alternative reported figures (2)
  1. Earnings / (loss) per share: printed as “Résultat par action ( en dirham)”.
  2. Profit / (loss) attributable to shareholders: printed as “RÉSULTAT NET-PART DU GROUPE”.

Segments

Segment data not yet collected for this company in the pilot.

Dividends

Proposed or recommended, declared and paid are different events and are kept apart. A statement that no dividend was proposed does not mean none was paid.

No dividend statement or amount collected.

Sources

Each filing used on this page, newest period first. Dates are the document's own; the date we retrieved a file is shown separately and is never a publication date.

  • Groupe BCP — Rapport Financier Annuel 2024

    Year ended 31 December 2024 · Annual report · signed / final

    Audit: Fidaroc Grant Thornton; Forvis Mazars (commissaires aux comptes), unmodified opinion · signed

    Auditor's sign-off: Faïçal Mekouar, Associé, Fidaroc Grant Thornton; Abdou Souleye Diop, Associé, Forvis Mazars

    Final status: Rapport des commissaires aux comptes sur les états financiers consolidés du Groupe Banque Centrale Populaire, exercice du 1er janvier au 31 décembre 2024 (opinion PDF p40), unqualified with an 'Observation', dated 'Casablanca, le 29 avril 2025' and signed with visible handwritten signatures over the stamps of Fidaroc Grant Thornton (Faïçal Mekouar, Associé) and Forvis Mazars (Abdou Souleye Diop, Associé) (PDF p42, page image). Board: 'Le 27 février 2025, le Conseil d'Administration de la Banque Centrale Populaire et le Comité Directeur du Crédit Populaire du Maroc ... ont examiné l'évolution de l'activité et arrêté les comptes au 31 décembre 2024' (PDF p20).

    Document date
    29 Apr 2025
    Auditor's report
    29 Apr 2025
    Board approval
    27 Feb 2025
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    statement columns FY2024, FY2023
    Basis
    consolidated statements · MAD thousands (printed “en milliers de DH”)
    • Directory name 'BCP'; the document prints 'Banque Centrale Populaire' and 'Groupe Banque Centrale Populaire (GBCP)' (p40), abbreviated 'BCP' throughout; same entity.
    • The auditors' report states consolidated equity of KMAD 61.192.418 (p40), while the bilan prints 'Capitaux propres' 57 167 311 (p30); the difference is the line 'Subventions, fonds publics affectés et fonds spéciaux de garantie' 4 025 107, which the bilan prints outside equity. Kept as printed.
    • Irregular printings read with 'interpreted' (compared with the page image; the two p31 cells are read on the image because the word-position re-read splits them): '19 551.355' (2024 consolidated reserves, minority share, p30) and '2.973 725' and '2.700 037' (2023 FVTPL gains and trading gains, p31). Each is confirmed by its printed subtotal.
    • The group consolidates the Banques Populaires Régionales (Crédit Populaire du Maroc); their equity appears largely in minority interests (consolidated reserves, minority share 19 551 355).
    Technical details
    File
    128 pages, with a text layer
    SHA-256
    b31535be2dcf506878499afaf8a751baf41e5db742c06b2551abef8501d6148e
    Entity as printed
    Banque Centrale Populaire et ses filiales (Groupe Banque Centrale Populaire, GBCP), Casablanca (PDF p40)
    Regulator copy
    retrieved 2026-10-08T18:51:01Z

Data notes

  • Part des minoritaires — Printed '19 551.355'; read as '19551355'. Printed '19 551.355' with a point in place of the thousands space (text layer and page image, p30); read as 19 551 355, which with the group share 3 070 328 gives the printed 'Réserves consolidées' 22 621 683. (Groupe BCP — Rapport Financier Annuel 2024, p30)
  • Gains ou pertes nets des instruments financiers à la juste valeur par résultat — Printed '2.973 725'; read as '2973725'. Printed '2.973 725' (a point in place of the first thousands space; the word-position re-read keeps only '2.973'/'2.700', so the cell is read on the page image, p31); read as 2 973 725, which with 942 228 gives the printed 'RÉSULTAT DES ACTIVITÉS DE MARCHE' 3 915 953. (Groupe BCP — Rapport Financier Annuel 2024, p31)
  • Gains ou pertes nets sur actifs/passifs de transaction — Printed '2.700 037'; read as '2700037'. Printed '2.700 037' (a point in place of the first thousands space; the word-position re-read keeps only '2.973'/'2.700', so the cell is read on the page image, p31); read as 2 700 037, which with 273 688 gives 2 973 725. (Groupe BCP — Rapport Financier Annuel 2024, p31)

Review status: every figure has been located on its cited source page in an AI-assisted source verification (matched to the document's text) (17 October 2026). Independent review is pending for every figure; automated checks and the AI-assisted verification are not independent review.

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