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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) (9 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

CFG Bank

CFG · Bourse de Casablanca · Consolidated statements

On this page
Company details
Legal name
CFG Bank
Listing
CFG on the Bourse de Casablanca, active · ISIN MA0000012627 (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 (Fidaroc Grant Thornton, Faïçal Mekouar; BDO S.A., Moutai Chaouki) printed a limited-review attestation ('attestation d'examen limité') on the consolidated 'situation provisoire' at 31 December 2025, dated 'Casablanca, le 18 février 2026', with handwritten signatures over stamps (PDF p9, page image). It states that no audit was performed and no audit opinion is expressed. No audit report is in the document. The Conseil d'Administration met on 18 February 2026 to 'arrêter les comptes au 31 décembre 2025' (p1).

    Source: CFG BANK — Communication financière: Résultats au 31 décembre 2025 (comptes consolidés du Groupe CFG Bank au 31 décembre 2025) (dated 2026-02-18)

  • 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 CFG Bank S.A. et de ses filiales (Groupe CFG Bank) comprenant l'état de la situation financière consolidé, le compte de résultat consolidé, l'état du résultat global consolidé, le tableau des flux de trésorerie consolidé, l'état de variation des capitaux propres consolidé et une sélection de notes explicatives' (p9); 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 (p9, 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 les états consolidés, ci-joints, ne donnent pas une image fidèle du résultat des opérations de l'exercice écoulé ainsi que de la situation financière et du patrimoine du Groupe CFG Bank arrêtés au 31 décembre 2025, conformément aux normes comptables internationales (IAS/IFRS).' Casablanca, 18 February 2026, signed (Fidaroc Grant Thornton, BDO S.A.). It states consolidated equity of KMAD 2.087.129 including consolidated net profit of KMAD 381.362. The company statements carry their own attestation (p15). Consolidated bilan, compte de résultat and état du résultat net et des gains et pertes comptabilisés directement en capitaux propres (p4), statement of changes in equity and tableau des flux de trésorerie (p5), with accounting principles (pp3-4), selected notes (pp5-6, EPS on p6) and risk management (pp7-9). Complete line-by-line statements. Company (social) statements pp10-15.

    Source: CFG BANK — Communication financière: Résultats au 31 décembre 2025 (comptes consolidés du Groupe CFG Bank au 31 décembre 2025) (dated 2026-02-18)

  • Net interest income

    MAD 532 million

    531,945 MAD thousands · p4

    Change not shown.

    Interest income less interest expense, as printed.

  • Produit net bancaire

    MAD 1.25 billion

    1,247,229 MAD thousands · p4

    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 381 million

    381,362 MAD thousands · p4

    Change not shown.

  • Total assets

    MAD 30.4 billion

    30,415,567 MAD thousands · p4

    Change not shown.

  • Customer deposits

    MAD 12.0 billion

    12,013,809 MAD thousands · p4

    Change not shown.

  • Total equity

    MAD 2.09 billion

    2,087,129 MAD thousands · p4

    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, 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: FY2025 — summary financial statements (final status not established), as reported for the year; 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) FY2025Summary financial statements (summary)reported for the yearFY2024Annual reportreported for the yearFY2023Annual reportcomparative in FY2024 filing
Intérêts, rémunérations et produits assimilés 1,016,990 835,708 574,933
Intérêts, rémunérations et charges assimilés (485,045) (462,613) (310,201)
Marge d'intérêt 531,945 373,095 264,732
Commissions (produits) 700,734 524,814 340,539
Commissions (charges) (171,547) (123,900) (78,103)
Marges sur commissions 529,187 400,914 262,436
Gains ou pertes nets sur instruments financiers à la juste valeur par résultat1 81,230 102,983 75,770
Produits des autres activités2 105,739 64,416 58,056
Charges des autres activités3 (872) –4 (3,600)
Produit net bancaire 1,247,229 941,408 657,394
Charges générales d'exploitation (513,422) (487,608) (377,578)
Dotations aux amortissements et aux dépréciations des immobilisations corporelles et incorporelles56 (100,560) (65,694) (56,132)
Résultat Brut d'exploitation 633,247 388,106 223,684
Coût du risque (45,653) (41,071) (24,859)
Résultat d'exploitation 587,594 347,035 198,825
Quote-part du résultat net des entreprises associées et des coentreprises mises en équivalence –7 Not reported in this filing98 Not reported in this filing9
Gains ou pertes nets sur autres actifs10 (26,796) (5,770) (4,575)
Résultat avant impôt 560,798 341,265 194,250
Impôt sur les résultats (179,436) (63,099) (16,682)
Résultat net 381,362 278,166 177,568
Intérêts minoritaires11 10,917 16,346 11,542
Variations de valeur des actifs financiers, comptabilisés directement en capitaux propres12 (1,374) (2,973)13 –14
Total cumulé 379,988 275,19315 177,568
  1. Printed “-”, read as nil: subtotal_arithmetic: is.total_operating_income.
  2. Printed “-”, read as nil: subtotal_arithmetic: is.profit_before_tax.
  3. Printed “-”, read as nil: subtotal_arithmetic: is.total_comprehensive_income.
Notes and alternative reported figures (12)
  1. “Gains ou pertes nets sur instruments financiers à la juste valeur par résultat” is an issuer-specific line, not mapped to a shared definition: Note 3.3: total of its two printed sub-lines (not transcribed).
  2. “Produits des autres activités” is an issuer-specific line, not mapped to a shared definition: Income from other activities.
  3. “Charges des autres activités” is an issuer-specific line, not mapped to a shared definition: Charges of other activities (printed negative).
  4. “Dotations aux amortissements et aux dépréciations des immobilisations corporelles et incorporelles” is an issuer-specific line, not mapped to a shared definition: Printed negative.
  5. Printed under different labels across filings: “Dotations aux amortissements et aux dépréciations des immobilisations corporelles”; “Dotations aux amortissements et aux dépréciations des immobilisations corporelles et incorporelles”.
  6. Summary financial statements dated 2026-02-18 presents this line for this year: - (p4). Not shown in this column, which follows one filing's presentation.
  7. Not reported in this filing: Line printed with blank cells (p39).
  8. “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.
  9. “Intérêts minoritaires” is an issuer-specific line, not mapped to a shared definition: Share of the consolidated result attributable to minority interests.
  10. “Variations de valeur des actifs financiers, comptabilisés directement en capitaux propres” is an issuer-specific line, not mapped to a shared definition: The only OCI line printed with an amount; no OCI subtotal is printed.
  11. Summary financial statements dated 2026-02-18 prints - (thousands, p4) for this line and year.
  12. Summary financial statements dated 2026-02-18 prints 278.166 (thousands, p4) for this line and year.

Balance sheet

Balance sheet, MAD thousands. Columns: FY2025 — summary financial statements (final status not established), as reported for the year; 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) FY2025Summary financial statements (summary)reported for the yearFY2024Annual reportreported for the yearFY2023Annual reportcomparative in FY2024 filing
Valeurs en caisse, Banques Centrales, Trésor public, Service CP 652,824 741,328 405,210
Actifs financiers à la juste valeur par résultat1 3,322,815 2,637,597 3,472,376
Actifs financiers à la juste valeur par capitaux propres 43,542 36,521 42,096
Titres au coût amorti 720,750 715,965 677,026
Prêts et créances sur les établissements de crédit et assimilés, au coût amorti 1,017,235 793,419 690,614
Prêts et créances sur la clientèle, au coût amorti 21,781,999 17,394,296 14,251,253
Actifs d'impôt exigible 207,980 193,329 188,452
Actifs d'impôt différé 111,919 158,689 154,344
Comptes de régularisation et autres actifs 928,605 916,434 1,095,272
Immobilisations corporelles 1,024,063 807,847 758,428
Immobilisations incorporelles 479,693 382,052 275,009
Ecarts d'acquisition2 124,142 124,142 124,142
Total ACTIF 30,415,567 24,901,619 22,134,222
Dettes envers les établissements de crédit et assimilés 4,236,149 2,726,868 5,312,223
Dettes envers la clientèle 12,013,809 10,573,682 8,647,054
Titres de créance émis3 8,833,107 8,180,733 4,825,859
Passifs d'impôt exigible 202,323 163,884 71,120
Passifs d'impôt différé 106,083 85,699 63,739
Comptes de régularisation et autres passifs 1,510,935 926,654 1,121,886
Provisions 15,375 2,375 2,375
Dettes subordonnées et fonds spéciaux de garantie4 1,410,657 401,662 401,801
Capiatux propres 2,087,129 1,840,062 1,688,165
Capital et réserves liées5 1,345,448 1,338,704 1,333,469
Réserves consolidées6 489,590 351,089 302,052
Gains et pertes comptabilisés directement en capitaux propres7 (129,271) (127,897) (124,924)
Résultat net de l'exercice8 381,362 278,166 177,568
Total PASSIF 30,415,567 24,901,619 22,134,222
Notes and alternative reported figures (8)
  1. “Actifs financiers à la juste valeur par résultat” is an issuer-specific line, not mapped to a shared definition: Note 2.1: financial assets at fair value through profit or loss (all held for trading).
  2. “Ecarts d'acquisition” is an issuer-specific line, not mapped to a shared definition: Note 2.6: goodwill.
  3. “Titres de créance émis” is an issuer-specific line, not mapped to a shared definition: Note 2.9: debt securities issued.
  4. “Dettes subordonnées et fonds spéciaux de garantie” is an issuer-specific line, not mapped to a shared definition: Subordinated debt and special guarantee funds.
  5. “Capital et réserves liées” is an issuer-specific line, not mapped to a shared definition: Share capital and capital-related reserves.
  6. “Réserves consolidées” is an issuer-specific line, not mapped to a shared definition: Consolidated reserves, group and minority shares together.
  7. “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.
  8. “Résultat net de l'exercice” is an issuer-specific line, not mapped to a shared definition: The year's consolidated result within equity, group and minority shares together.

Cash flow

Cash flow, MAD thousands. Columns: FY2025 — summary financial statements (final status not established), as reported for the year; 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) FY2025Summary financial statements (summary)reported for the yearFY2024Annual reportreported for the yearFY2023Annual reportcomparative in FY2024 filing
Résultat avant impôts1 560,798 341,265 194,250
Total des éléments non monétaires inclus dans le résultat net avant impôts et des autres ajustements23 132,809 97,300 32,815
Diminution/(augmentation) nette des actifs et des passifs provenant des activités opérationnelles45 (1,048,403) 567,616 (536,870)
Flux net de trésorerie généré par l'activité opérationnelle6 (354,796) 1,006,181 (309,805)
Flux liés aux actifs financiers et aux participations7 (15,329) 277 (1,800)
Flux liés aux immobilisations corporelles et incorporelles8 (398,252) (217,785) (271,964)
Flux net de trésorerie lié aux opérations d'investissement9 (413,581) (217,508) (273,764)
Flux de trésorerie provenant ou à destination des actionnaires10 (132,140) (127,142) 642,370
Autres flux de trésorerie nets provenant des activités de financement11 1,004,210 (39,078) 5,672
Flux net de trésorerie lié aux opérations de financement 872,070 (166,220) 648,042
Effet de la variation des taux de change sur la trésorerie et équivalent de trésorerie –12 –12 –12
Augmentation/(diminution) nette de la trésorerie et des équivalents de trésorerie 103,693 622,453 64,473
Trésorerie et équivalents de trésorerie à l'ouverture13 1,460,354 837,901 773,428
Trésorerie et équivalents de trésorerie à la clôture 1,564,047 1,460,354 837,901
  1. Printed “-”, read as nil: subtotal_arithmetic: cf.net_change_in_cash.
Notes and alternative reported figures (12)
  1. “Résultat avant impôts” is an issuer-specific line, not mapped to a shared definition: Starting point of the operating cash flow.
  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 of the non-cash items.
  3. Printed under different labels across filings: “Total des éléments non monétaires inclus dans le résultat net avant impôts et des autres”; “Total des éléments non monétaires inclus dans le résultat net avant impôts et des autres ajustements”.
  4. “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, taxes paid included.
  5. Printed under different labels across filings: “Diminution/(augmentation) nette des actifs et des passifs provenant des activités opéra-”; “Diminution/(augmentation) nette des actifs et des passifs provenant des activités opérationnelles”.
  6. Printed under different labels across filings: “Flux net de trésorerie généré par l'activité opérationnelle”; “Flux net de trésorerie généré par l’activité opérationnelle”.
  7. “Flux liés aux actifs financiers et aux participations” is an issuer-specific line, not mapped to a shared definition: Investing.
  8. “Flux liés aux immobilisations corporelles et incorporelles” is an issuer-specific line, not mapped to a shared definition: Investing.
  9. Printed under different labels across filings: “Flux net de trésorerie lié aux opérations d'investissement”; “Flux net de trésorerie lié aux opérations d’investissement”.
  10. “Flux de trésorerie provenant ou à destination des actionnaires” is an issuer-specific line, not mapped to a shared definition: Financing (dividends).
  11. “Autres flux de trésorerie nets provenant des activités de financement” is an issuer-specific line, not mapped to a shared definition: Financing.
  12. Printed under different labels across filings: “Trésorerie et équivalents de trésorerie à l'ouverture”; “Trésorerie et équivalents de trésorerie à l’ouverture”.

Per share and shares

Per share and shares. Columns: FY2025 — summary financial statements (final status not established), as reported for the year; 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) FY2025Summary financial statements (summary)reported for the yearFY2024Annual reportreported for the yearFY2023Annual reportcomparative in FY2024 filing
Earnings / (loss) per share (per share)1 10.89 7.95 5.07
Profit / (loss) attributable to shareholders (MAD thousands)2 370,445 261,820 166,026
Notes and alternative reported figures (2)
  1. Earnings / (loss) per share: printed as “Résultat par action”.
  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.

  • CFG BANK — Communication financière: Résultats au 31 décembre 2025 (comptes consolidés du Groupe CFG Bank 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 (Fidaroc Grant Thornton, Faïçal Mekouar; BDO S.A., Moutai Chaouki) printed a limited-review attestation ('attestation d'examen limité') on the consolidated 'situation provisoire' at 31 December 2025, dated 'Casablanca, le 18 février 2026', with handwritten signatures over stamps (PDF p9, page image). It states that no audit was performed and no audit opinion is expressed. No audit report is in the document. The Conseil d'Administration met on 18 February 2026 to 'arrêter les comptes au 31 décembre 2025' (p1).

    Document date
    18 Feb 2026
    Auditor's report
    date not found in this document
    Board approval
    18 Feb 2026
    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”)
    • Bank layout: no total-liabilities line is printed (liabilities and 'Capiatux propres' add to 'Total PASSIF'). Charges are printed negative and stored as printed. No OCI subtotal is printed: 'Total cumulé' (379.988) is the comprehensive income. Cash and cash equivalents in the cash-flow statement include net demand balances with credit institutions. Earnings per share are printed in dirhams in a note table (p6).
    • 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 (p9, 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 les états consolidés, ci-joints, ne donnent pas une image fidèle du résultat des opérations de l'exercice écoulé ainsi que de la situation financière et du patrimoine du Groupe CFG Bank arrêtés au 31 décembre 2025, conformément aux normes comptables internationales (IAS/IFRS).' Casablanca, 18 February 2026, signed (Fidaroc Grant Thornton, BDO S.A.). It states consolidated equity of KMAD 2.087.129 including consolidated net profit of KMAD 381.362. The company statements carry their own attestation (p15).
    • Consolidated bilan, compte de résultat and état du résultat net et des gains et pertes comptabilisés directement en capitaux propres (p4), statement of changes in equity and tableau des flux de trésorerie (p5), with accounting principles (pp3-4), selected notes (pp5-6, EPS on p6) and risk management (pp7-9). Complete line-by-line statements. Company (social) statements pp10-15.
    Technical details
    File
    15 pages, with a text layer
    SHA-256
    a79660b6e9a6cfd7f867f873852b3ab3892aaeeeb2b1f1856125f861b201d532
    Entity as printed
    Groupe CFG Bank (CFG Bank S.A. et ses filiales)
    Exchange copy
    retrieved 2026-10-08T18:15:12Z

  • CFG BANK — Rapport Financier Annuel 2024

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

    Audit: Fidaroc Grant Thornton (Faïçal Mekouar) and HDID & Associés (El Mustapha Samouh), commissaires aux comptes, unmodified opinion · signed

    Auditor's sign-off: Fidaroc Grant Thornton, Faïçal Mekouar, Associé; HDID & Associés, El Mustapha Samouh, Associé

    Final status: Rapport des commissaires aux comptes sur les états financiers consolidés, exercice du 1er janvier au 31 décembre 2024 (Fidaroc Grant Thornton, Faïçal Mekouar; HDID & Associés, El Mustapha Samouh): unqualified opinion (PDF p65, left page, image-only), dated 'Casablanca, le 25 avril 2025' with handwritten signatures over the firms' stamps (PDF p66, right page, page image). No board approval date for the consolidated statements is printed; the Assemblée Générale Ordinaire of 29 May 2025 approves the company accounts (p33).

    Document date
    25 Apr 2025
    Auditor's report
    25 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”)
    • The consolidated audit report (PDF pp65-66) has an opinion, basis, one key audit matter (credit risk and impairment of customer loans: gross MMAD 17 584, impairments MMAD 190), responsibilities and the signature; no emphasis of matter or going-concern paragraph.
    • Bank layout: no total-liabilities line is printed (liabilities and 'Capiatux propres' (sic) add to 'Total PASSIF'). Charges are printed negative and stored as printed. No OCI subtotal is printed: 'Total cumulé' (275 193) is the comprehensive income. Cash and cash equivalents in the cash-flow statement include net demand balances with credit institutions (p41). Earnings per share are printed in dirhams in a note table (p44). The PDF pages are two-page spreads.
    • Queue source_tier 'full' confirmed: audited consolidated statements with a signed audit report (the FY2025 spec is a summary-tier limited-review results publication).
    Technical details
    File
    70 pages, with a text layer
    SHA-256
    1724a744294d2f02c6d281aef73cdf0ea797f66a130cc8a8e0795c5424e1dd64
    Entity as printed
    CFG Bank et ses filiales (Groupe CFG Bank)
    Regulator copy
    retrieved 2026-10-08T18:53:32Z

Data notes

No figure-level notes beyond those in the tables.

Review status: every figure has been located on its cited source page in an AI-assisted source verification (matched to the document's text) (9 October 2026). Independent review is pending for every figure; automated checks and the AI-assisted verification are not independent review.

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Figures shown on this page (CSV) — the same selected figures at their exact printed values, each with its source document, SHA-256, page, selection rule and reading. Independent review of these figures is pending.

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