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
Crédit du Maroc
On this page
Company details
- Legal name
- Crédit du Maroc
- Listing
- CDM on the Bourse de Casablanca, active · ISIN MA0000010381 (observed 2026-10-08)
- Sector
- Not classified (our classification from the stated principal activity)
- Financial year ends
- 31 December
Overview
Year ended 31 December 2025 · summary financial statements, final status not established · source
Read with these figures
- Summary financial statements not confirmed as final. The published copy is not confirmed as the final version. The FY2025 figures come from it.
Full wording and sources
Summary financial statements for 2025: final status not established
Published by the issuer through the Casablanca exchange. The commissaires aux comptes (Forvis Mazars, Taha Ferdaous; Ernst & Young, Abdeslam Berrada Allam) printed a limited-review attestation on the consolidated 'situation provisoire' for 1 January to 31 December 2025, dated 'Casablanca, le 10 février 2026', with stamps and a handwritten signature (PDF p25, page image). It states that no audit was performed and no audit opinion is expressed. No audit report is in the document. The Conseil de Surveillance met on 12 February 2026 'pour examiner l'activité et les comptes arrêtés au 31 décembre 2025' (p2).
Source: Crédit du Maroc — Livret financier: Résultats financiers 2025 (états financiers consolidés IFRS au 31 décembre 2025) (dated 2026-02-10)
2025: figures from a published summary
These columns come from the issuer's summary financial statements, not its full financial statements; the summary does not state that its source statements were audited. The commissaires aux comptes describe the statements as the 'situation provisoire de Crédit Du Maroc et ses filiales (Groupe Crédit du Maroc) comprenant le bilan et le compte de résultat, l'état du résultat global, le tableau des flux de trésorerie, l'état de variation des capitaux propres et une sélection de notes explicatives' (p25); the publication does not otherwise state its source. No auditor's report on the summary is printed. A limited-review attestation of the commissaires aux comptes on the consolidated provisional situation is printed (p25, image): 'Nous n'avons pas effectué un audit et, en conséquence, nous n'exprimons donc pas d'opinion d'audit.' Conclusion: 'Sur la base de notre examen limité, nous n'avons pas relevé de faits qui nous laissent penser que la situation provisoire consolidée ci-jointe, ne donne pas une image fidèle du résultat des opérations de l'exercice écoulé ainsi que de la situation financière et du patrimoine du Groupe Crédit Du Maroc arrêtés au 31 décembre 2025, conformément aux normes comptables internationales (IAS/IFRS).' Casablanca, 10 February 2026, signed (Forvis Mazars, Ernst & Young). It states consolidated equity of KMAD 8.203.010 including net profit of KMAD 863.551. Consolidated bilan, compte de résultat and tableau des flux de trésorerie (p11) and statement of changes in equity (p12), with accounting principles (pp6-10) and selected notes (pp13-24). Complete line-by-line statements; no statement of comprehensive income is printed (the attestation mentions 'l'état du résultat global'). Company (social) statements pp26-31.
Source: Crédit du Maroc — Livret financier: Résultats financiers 2025 (états financiers consolidés IFRS au 31 décembre 2025) (dated 2026-02-10)
Annual report for 2024: final status not established
The commissaires aux comptes' report on the consolidated financial statements for 2024 is reproduced (PDF pp69-72, scanned): unmodified opinion ('Nous certifions que les états financiers consolidés ... sont réguliers et sincères ...'), stating consolidated equity of KMAD 7.878.853 including consolidated net profit of KMAD 740.949, dated 'Casablanca, le 30 avril 2025', with handwritten signatures and stamps for Ernst & Young (Abdeslam Berrada Allam) and Forvis Mazars (Taha Ferdaous) (page images p69, p72). The statements transcribed (p14) are those of the Livret financier, which the commissaires aux comptes covered by a limited-review attestation on the consolidated 'situation provisoire' (p28, 5 March 2025; no audit opinion); the audited consolidated financial statements with their notes are not reproduced as such in this report, although the p14 equity (7 878 853) and net profit (740 949) equal the amounts the audit report states.
Source: Crédit du Maroc — Rapport financier annuel 2024 (dated 2025-04-30)
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Net interest income
MAD 2.68 billion
2,680,915 MAD thousands · p11
Change not shown.
Interest income less interest expense, as printed.
-
PRODUIT NET BANCAIRE
MAD 3.57 billion
3,568,401 MAD thousands · p11
Change not shown.
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 864 million
863,551 MAD thousands · p11
Change not shown.
-
Total assets
MAD 83.7 billion
83,728,097 MAD thousands · p11
Change not shown.
-
Customer deposits
MAD 61.2 billion
61,228,461 MAD thousands · p11
Change not shown.
-
Total equity
MAD 8.20 billion
8,203,010 MAD thousands · p11
Change not shown.
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.
Not shown: the two years come from different filings.
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
- FY2025 — summary financial statements (summary), final status not established; reported for the year · source
- FY2024 — annual report, final status not established; reported for the year · source
- Annual report for 2024: final status not established. The commissaires aux comptes' report on the consolidated financial statements for 2024 is reproduced (PDF pp69-72, scanned): unmodified opinion ('Nous certifions que les états financiers consolidés ... sont réguliers et sincères ...'), stating consolidated equity of KMAD 7.878.853 including consolidated net profit of KMAD 740.949, dated 'Casablanca, le 30 avril 2025', with handwritten signatures and stamps for Ernst & Young (Abdeslam Berrada Allam) and Forvis Mazars (Taha Ferdaous) (page images p69, p72). The statements transcribed (p14) are those of the Livret financier, which the commissaires aux comptes covered by a limited-review attestation on the consolidated 'situation provisoire' (p28, 5 March 2025; no audit opinion); the audited consolidated financial statements with their notes are not reproduced as such in this report, although the p14 equity (7 878 853) and net profit (740 949) equal the amounts the audit report states.
- FY2023 — annual report, final status not established; comparative in the FY2024 filing · source
- Annual report for 2024: final status not established. The commissaires aux comptes' report on the consolidated financial statements for 2024 is reproduced (PDF pp69-72, scanned): unmodified opinion ('Nous certifions que les états financiers consolidés ... sont réguliers et sincères ...'), stating consolidated equity of KMAD 7.878.853 including consolidated net profit of KMAD 740.949, dated 'Casablanca, le 30 avril 2025', with handwritten signatures and stamps for Ernst & Young (Abdeslam Berrada Allam) and Forvis Mazars (Taha Ferdaous) (page images p69, p72). The statements transcribed (p14) are those of the Livret financier, which the commissaires aux comptes covered by a limited-review attestation on the consolidated 'situation provisoire' (p28, 5 March 2025; no audit opinion); the audited consolidated financial statements with their notes are not reproduced as such in this report, although the p14 equity (7 878 853) and net profit (740 949) equal the amounts the audit report states.
Income statement
| Line (as printed) | FY2025Summary financial statements (summary)reported for the year | FY2024Annual reportreported for the yearsource limitations | FY2023Annual reportcomparative in FY2024 filingsource limitations |
|---|---|---|---|
| Intérêts, rémunérations et produits assimilés | 3,299,346 | 3,147,045 | 2,821,107 |
| Intérêts, rémunérations et charges assimilés | (618,431) | (718,942) | (595,229) |
| Marge d'Intérêt | 2,680,915 | 2,428,102 | 2,225,878 |
| Commissions (Produits) | 584,867 | 532,188 | 494,917 |
| Commissions (Charges) | (91,155) | (72,175) | (58,490) |
| Marge sur Commissions | 493,712 | 460,013 | 436,427 |
| Gains ou pertes nets sur instruments financiers à la juste valeur12 | 498,843 | 502,538 | 355,432 |
| Gains ou pertes nets des instruments financiers à la juste valeur par capitaux propres3 | –4 | 1,264 | –4 |
| Produits des autres activités5 | 22,815 | 31,691 | 20,666 |
| Charges des autres activités6 | (127,884) | (120,427) | (111,487) |
| PRODUIT NET BANCAIRE | 3,568,401 | 3,303,182 | 2,926,916 |
| Charges générales d'exploitation | (1,359,551) | (1,345,385) | (1,365,976) |
| immobilisations incorporelles et corporelles78 | (292,928) | (259,704) | (232,914) |
| Résultat Brut d'Exploitation9 | 1,915,921 | 1,698,093 | 1,328,026 |
| Coût du risque | (383,113) | (398,408) | (445,294) |
| Résultat d'Exploitation | 1,532,809 | 1,299,685 | 882,732 |
| Quote-Part du résultat net des entreprises associées et des coentreprises mises en équivalence | 4 | –10 | –11 |
| Gains ou pertes nets sur autres actifs12 | 11,008 | (6,142) | (4,425) |
| Résultat avant Impôt | 1,543,821 | 1,293,543 | 878,307 |
| Impôts sur les résultats | (680,270) | (552,594) | (380,083) |
| Résultat net | 863,551 | 740,949 | 498,225 |
- Printed “-”, read as nil: subtotal_arithmetic: is.total_operating_income.
- Printed “-”; reading unresolved, so no amount is shown. Printed dash, read on the page image (p14); recorded as printed and not interpreted as nil. Compte de résultat consolidé, 2024 column. The label wraps over two lines ('...associées et des' / 'coentreprises mises en équivalence') and the dashes sit on the second text line ('coentreprises mises en équivalence - -').
- Printed “-”; reading unresolved, so no amount is shown. Printed dash, read on the page image (p14); recorded as printed and not interpreted as nil. Compte de résultat consolidé, 2023 column. The label wraps over two lines ('...associées et des' / 'coentreprises mises en équivalence') and the dashes sit on the second text line ('coentreprises mises en équivalence - -').
Notes and alternative reported figures (9)
- “Gains ou pertes nets sur instruments financiers à la juste valeur” is an issuer-specific line, not mapped to a shared definition: Total of its two printed sub-lines (not transcribed).
- Printed under different labels across filings: “Gains ou pertes nets sur instruments financiers à la juste valeur”; “à la juste valeur 2.5”.
- “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: Total of its printed sub-lines (not transcribed).
- “Produits des autres activités” is an issuer-specific line, not mapped to a shared definition: Income from other activities.
- “Charges des autres activités” is an issuer-specific line, not mapped to a shared definition: Charges of other activities (deducted).
- “immobilisations incorporelles et corporelles” is an issuer-specific line, not mapped to a shared definition: Depreciation, amortisation and impairment of fixed assets (deducted).
- Printed under different labels across filings: “i m m o b il is a t i o n s in c o r p o r e ll e s e t c o r p o r e ll e s”; “immobilisations incorporelles et corporelles”.
- Printed under different labels across filings: “R é s u lt a t B r u t d ' E x p l o it a t io n”; “Résultat Brut d'Exploitation”.
- “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.
Balance sheet
| Line (as printed) | FY2025Summary financial statements (summary)reported for the year | FY2024Annual reportreported for the yearsource limitations | FY2023Annual reportcomparative in FY2024 filingsource limitations |
|---|---|---|---|
| Valeurs en caisse, Banques centrales, Trésor public, Service des chèques postaux | 2,841,287 | 2,235,047 | 2,265,791 |
| Actifs financiers à la juste valeur par résultat1 | 5,983,830 | 4,785,186 | 2,596,910 |
| Actifs financiers à la juste valeur par capitaux propres | 2,410,234 | 675,103 | 1,054,279 |
| Titres au coût amorti | 2,135,033 | 915,291 | 1,397,240 |
| Prêts et créances sur les Etablissements de crédit et assimilés,au coût amorti | 3,892,685 | 5,665,530 | 6,012,399 |
| Prêts et créances sur la clientèle, au coût amorti | 62,862,585 | 56,622,038 | 51,061,669 |
| Actifs d'Impôt Exigible | 970 | 5,830 | 3,253 |
| Actifs d'impôt différé | 176,010 | 149,903 | 159,789 |
| Comptes de régularisation et autres actifs | 915,006 | 586,707 | 422,280 |
| Participations dans des entreprises mises en équivalence | 6,457 | –2 | Not reported in this filing3 |
| Immobilisations corporelles | 1,481,592 | 1,497,883 | 1,495,747 |
| Immobilisations incorporelles | 1,022,407 | 912,374 | 795,981 |
| TOTAL | 83,728,097 | 74,050,891 | 67,265,338 |
| Banques centrakes, Trésor public, Service des chèques postaux45 | 670 | 7026 | 8847 |
| Passifs financiers à la juste valeur par résultat89 | 39,529 | 25,134 | 15,984 |
| Dettes envers les Etablissements de crédit et assimilés | 6,516,092 | 1,738,769 | 1,137,272 |
| Dettes envers la clientèle | 61,228,461 | 56,997,885 | 51,755,426 |
| Titres de créance émis1011 | 2,120,354 | 3,180,479 | 3,424,402 |
| Passifs d'impôt exigibles12 | 193,716 | 189,008 | 125,097 |
| Passifs d'impôt différé | 1,282 | 5,003 | 17,885 |
| Comptes de régularisation et autres passifs | 2,586,330 | 2,243,448 | 1,891,556 |
| Provisions | 580,339 | 554,447 | 565,955 |
| Dettes subordonnées et fonds spéciaux de garantie13 | 2,258,313 | 1,237,163 | 1,250,969 |
| Capitaux propres | 8,203,010 | 7,878,853 | 7,079,907 |
| Capital et réserves liées14 | 4,750,613 | 4,823,451 | 4,346,514 |
| Réserves consolidées15 | 2,551,543 | 2,273,030 | 2,197,909 |
| Gains et pertes comptabilisés directement en capitaux propres16 | 37,302 | 41,423 | 37,259 |
| Résultat net de l'exercice1718 | 863,551 | 740,949 | 498,225 |
| TOTAL | 83,728,097 | 74,050,891 | 67,265,338 |
- Printed “-”; reading unresolved, so no amount is shown. Printed dash, read on the page image (p14); recorded as printed and not interpreted as nil. Bilan consolidé, actif, 31/12/2024 column; the text layer carries the single dash on the label line.
- Printed “7 0 2”; read as 702. p14: The text layer letter-spaces the cell ('7 0 2'); the page image prints 702.
- Printed “8 8 4”; read as 884. p14: The text layer letter-spaces the cell ('8 8 4'); the page image prints 884.
Notes and alternative reported figures (15)
- “Actifs financiers à la juste valeur par résultat” is an issuer-specific line, not mapped to a shared definition: Total of held-for-trading and other financial assets at fair value through profit or loss.
- Not reported in this filing: The line 'Participations dans des entreprises mises en équivalence' carries a 31/12/2024 dash only; the 31/12/2023 column is blank (p14, checked on the page image).
- “Banques centrakes, Trésor public, Service des chèques postaux” is an issuer-specific line, not mapped to a shared definition: Amounts due to central banks, the Treasury and postal cheque service.
- Printed under different labels across filings: “Banques centrakes, Trésor public, Service des chèques postaux”; “S e r v ic e d e s chèques postaux”.
- “Passifs financiers à la juste valeur par résultat” is an issuer-specific line, not mapped to a shared definition: Financial liabilities at fair value through profit or loss (held for trading).
- Printed under different labels across filings: “Pa s s if s f in a n c ie r s à l a ju s t e v a le u r p a r r é s u l ta t”; “Passifs financiers à la juste valeur par résultat”.
- “Titres de créance émis” is an issuer-specific line, not mapped to a shared definition: Debt securities issued.
- Printed under different labels across filings: “T i tr e s d e c ré a n c e é m is 3 . 1”; “Titres de créance émis”.
- Printed under different labels across filings: “P a s s if s d ' im p ô t e x ig ib les 3 . 8”; “Passifs d'impôt exigibles”.
- “Dettes subordonnées et fonds spéciaux de garantie” is an issuer-specific line, not mapped to a shared definition: Subordinated debt and special guarantee funds.
- “Capital et réserves liées” is an issuer-specific line, not mapped to a shared definition: Share capital and capital-related reserves.
- “Réserves consolidées” is an issuer-specific line, not mapped to a shared definition: Consolidated reserves (group share; minority share printed '-').
- “Gains et pertes comptabilisés directement en capitaux propres” is an issuer-specific line, not mapped to a shared definition: Accumulated other comprehensive income within equity.
- “Résultat net de l'exercice” is an issuer-specific line, not mapped to a shared definition: The year's consolidated result within equity.
- Printed under different labels across filings: “Résultat net de l'exercice”; “Résultat net de l’exercice”.
Cash flow
| Line (as printed) | FY2025Summary financial statements (summary)reported for the year | FY2024Annual reportreported for the yearsource limitations | FY2023Annual reportcomparative in FY2024 filingsource limitations |
|---|---|---|---|
| Résultat avant impôts1 | 1,543,821 | 1,293,543 | 878,307 |
| Total des éléments non monétaires inclus dans le résultat net avant impôts et des autres ajustements2 | 714,652 | 102,885 | 386,610 |
| des activités opérationnelles34 | (1,527,977) | 519,612 | (3,554,358) |
| Flux nets de trésorerie généré par l'activité opérationnelle5 | 730,496 | 1,916,040 | (2,289,440) |
| +/- Flux liés aux immobilisations corporelles et incorporelles6 | (397,678) | (372,091) | (441,626) |
| Flux nets de trésorerie lié aux opérations d'investissement7 | (397,678) | (372,091) | (441,626) |
| +/- Flux de trésorerie provenant ou à destination des actionnaires89 | (532,627) | 104,799 | 200,138 |
| +/- Autres flux de trésorerie nets provenant des activités de1011 | (58,000) | (242,000) | 1,800,000 |
| Flux nets de trésorerie lié aux opérations de financement | (590,627) | (137,201) | 2,000,138 |
| Effet de la variation des taux de change sur la trésorerie et équivalent de trésorerie12 | (2,646) | 308 | (2,924) |
| Variation de la trésorerie nette | (260,456) | 1,407,056 | (733,852) |
| Trésorerie et équivalents de trésorerie à l'ouverture13 | 3,932,314 | 2,525,258 | 3,259,110 |
| Trésorerie et équivalents de trésorerie à la clôture | 3,671,858 | 3,932,314 | 2,525,258 |
Notes and alternative reported figures (13)
- “Résultat avant impôts” is an issuer-specific line, not mapped to a shared definition: Starting point of the operating cash flow.
- “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 of the non-cash items.
- “des activités opérationnelles” is an issuer-specific line, not mapped to a shared definition: Printed subtotal, taxes paid included.
- Printed under different labels across filings: “de s a c t iv it é s o p é ra t io n n e l le s”; “des activités opérationnelles”.
- Printed under different labels across filings: “Flux nets de trésorerie généré par l'activité opérationnelle”; “Flux nets de trésorerie généré par l’activité opérationnelle”.
- “+/- Flux liés aux immobilisations corporelles et incorporelles” is an issuer-specific line, not mapped to a shared definition: Investing.
- Printed under different labels across filings: “Flux nets de trésorerie lié aux opérations d'investissement”; “Flux nets de trésorerie lié aux opérations d’investissement”.
- “+/- Flux de trésorerie provenant ou à destination des actionnaires” is an issuer-specific line, not mapped to a shared definition: Financing (dividends).
- Printed under different labels across filings: “+/- Flux de trésorerie provenant ou à destination des actionnaires”; “d e s t in a t io n d e s a c ti o n n aires”.
- “+/- Autres flux de trésorerie nets provenant des activités de” is an issuer-specific line, not mapped to a shared definition: Financing.
- Printed under different labels across filings: “+/- Autres flux de trésorerie nets provenant des activités de”; “p r o v e n a n t d e s a c ti v i té s d e”.
- Printed under different labels across filings: “Effet de la variation des taux de change sur la trésorerie et équivalent de trésorerie”; “de tr é s o r e r ie”.
- Printed under different labels across filings: “Trésorerie et équivalents de trésorerie à l'ouverture”; “Trésorerie et équivalents de trésorerie à l’ouverture”.
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.
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Crédit du Maroc — Livret financier: Résultats financiers 2025 (états financiers consolidés IFRS au 31 décembre 2025)
Year ended 31 December 2025 · Summary financial statements (summary) · final status not established
Audit: Auditor not stated (named); no auditor's opinion on the full statements in this document · no signature page in this document
Final status: Published by the issuer through the Casablanca exchange. The commissaires aux comptes (Forvis Mazars, Taha Ferdaous; Ernst & Young, Abdeslam Berrada Allam) printed a limited-review attestation on the consolidated 'situation provisoire' for 1 January to 31 December 2025, dated 'Casablanca, le 10 février 2026', with stamps and a handwritten signature (PDF p25, page image). It states that no audit was performed and no audit opinion is expressed. No audit report is in the document. The Conseil de Surveillance met on 12 February 2026 'pour examiner l'activité et les comptes arrêtés au 31 décembre 2025' (p2).
- Document date
- 10 Feb 2026
- Auditor's report
- date not found in this document
- Board approval
- date not found in this document
- Retrieved by us
- 8 Oct 2026 (not a publication date)
- Used for
- statement columns FY2025
- Basis
- consolidated statements · MAD thousands (printed “En milliers de DH”)
- One-unit rounding differences kept as printed: equity components at 31/12/2025 add to 8 203 009 against 'Capitaux propres' 8 203 010; 2024 produit net bancaire components add to 3 303 181 against 3 303 182; the 2025 cash-flow sections and exchange effect add to -260 455 against -260 456 (p11, checked on the render).
- Bank layout: no total-liabilities line is printed (liabilities and 'Capitaux propres' add to the passif 'TOTAL'). Charges are printed as positive amounts and stored as deductions; the cost of risk is printed negative. Cash and cash equivalents in the cash-flow statement include net demand balances with credit institutions.
- The printed 'Augmentation/(diminution) nette de la trésorerie' (-260 456; 2024: 1 407 056) already includes the printed exchange-rate effect (-2 646; 2024: 308), and opening 3 932 314 - 260 456 = closing 3 671 858 (p11). The two cf.closing_cash check failures (differences of exactly 2 646 and -308) come from the check adding the exchange-rate effect a second time; figures kept as printed.
- Queue source_tier 'full'; confirmed from the document as a summary-tier results publication (limited review of a 'situation provisoire', no audit report).
- No auditor's report on the summary is printed. A limited-review attestation of the commissaires aux comptes on the consolidated provisional situation is printed (p25, image): 'Nous n'avons pas effectué un audit et, en conséquence, nous n'exprimons donc pas d'opinion d'audit.' Conclusion: 'Sur la base de notre examen limité, nous n'avons pas relevé de faits qui nous laissent penser que la situation provisoire consolidée ci-jointe, ne donne pas une image fidèle du résultat des opérations de l'exercice écoulé ainsi que de la situation financière et du patrimoine du Groupe Crédit Du Maroc arrêtés au 31 décembre 2025, conformément aux normes comptables internationales (IAS/IFRS).' Casablanca, 10 February 2026, signed (Forvis Mazars, Ernst & Young). It states consolidated equity of KMAD 8.203.010 including net profit of KMAD 863.551.
- Consolidated bilan, compte de résultat and tableau des flux de trésorerie (p11) and statement of changes in equity (p12), with accounting principles (pp6-10) and selected notes (pp13-24). Complete line-by-line statements; no statement of comprehensive income is printed (the attestation mentions 'l'état du résultat global'). Company (social) statements pp26-31.
Technical details
- File
- 33 pages, with a text layer
- SHA-256
3d16a6d2d0278029a1d19287fd4b55e04a1021703d53b9f2e890d3bd6781682f- Entity as printed
- Groupe Crédit du Maroc (Crédit du Maroc et ses filiales); CRÉDIT DU MAROC, société anonyme à Directoire et à Conseil de Surveillance, RC n° 28.717 (p33)
- Exchange copy
- retrieved 2026-10-08T18:15:09Z
-
Crédit du Maroc — Rapport financier annuel 2024
Year ended 31 December 2024 · Annual report · final status not established
Audit: Ernst & Young (Abdeslam Berrada Allam) and Forvis Mazars (Taha Ferdaous), commissaires aux comptes, unmodified opinion · signed
Auditor's sign-off: Ernst & Young (Abdeslam Berrada Allam, Associé); Forvis Mazars (Taha Ferdaous, Associé)
Final status: The commissaires aux comptes' report on the consolidated financial statements for 2024 is reproduced (PDF pp69-72, scanned): unmodified opinion ('Nous certifions que les états financiers consolidés ... sont réguliers et sincères ...'), stating consolidated equity of KMAD 7.878.853 including consolidated net profit of KMAD 740.949, dated 'Casablanca, le 30 avril 2025', with handwritten signatures and stamps for Ernst & Young (Abdeslam Berrada Allam) and Forvis Mazars (Taha Ferdaous) (page images p69, p72). The statements transcribed (p14) are those of the Livret financier, which the commissaires aux comptes covered by a limited-review attestation on the consolidated 'situation provisoire' (p28, 5 March 2025; no audit opinion); the audited consolidated financial statements with their notes are not reproduced as such in this report, although the p14 equity (7 878 853) and net profit (740 949) equal the amounts the audit report states.
- Document date
- 30 Apr 2025
- Auditor's report
- 30 Apr 2025
- Board approval
- date not found in this document
- 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”)
- Two assurance documents on the consolidated figures: (1) limited-review attestation on the consolidated 'situation provisoire' (p28, Casablanca 5 March 2025, Ernst & Young and Forvis Mazars): 'Nous n'avons pas effectué un audit et, en conséquence, nous n'exprimons donc pas d'opinion d'audit'; (2) audit report on the consolidated financial statements (pp69-72, 30 April 2025), unmodified, with key audit matter on credit risk on customer loans (p70). Both state equity KMAD 7.878.853 and net profit KMAD 740.949.
- Bank layout: no total-liabilities line is printed (liabilities and 'Capitaux propres' add to the passif 'TOTAL'). Charges are printed as positive amounts and stored as deductions; the cost of risk and net gains on other assets are printed negative. Cash and cash equivalents in the cash-flow statement include net demand balances with credit institutions.
- The printed 'Augmentation/(diminution) nette de la trésorerie' (1 407 056; 2023: -733 852) already includes the printed exchange-rate effect (308; 2023: -2 924), and opening 2 525 258 + 1 407 056 = closing 3 932 314 (p14). The two cf.closing_cash check failures (differences of exactly 308 and -2 924) come from the check adding the exchange-rate effect a second time; figures kept as printed (same as FY2025, fin-r6-w03).
- Consolidated statements used (the group publishes them); the company (social) statements (pp29-35 thousands; pp56-58 millions) are not transcribed.
Technical details
- File
- 161 pages, with a text layer
- SHA-256
90fb94f6e66a0ebf489ba9d13ba442b0af4fe56b3b8f00525131e36a8c0f3c9c- Entity as printed
- Groupe Crédit du Maroc (Crédit du Maroc et ses filiales); CRÉDIT DU MAROC, société anonyme à Directoire et à Conseil de Surveillance (p36)
- Regulator copy
- retrieved 2026-10-08T18:53:08Z
Data notes
- S e r v ic e d e s chèques postaux — Printed '7 0 2'; read as '702'. The text layer letter-spaces the cell ('7 0 2'); the page image prints 702. (Crédit du Maroc — Rapport financier annuel 2024, p14)
- S e r v ic e d e s chèques postaux — Printed '8 8 4'; read as '884'. The text layer letter-spaces the cell ('8 8 4'); the page image prints 884. (Crédit du Maroc — Rapport financier annuel 2024, p14)
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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