Company name	BANQUE MAROCAINE POUR LE COMMERCE ET L'INDUSTRIE
Corporate address	26. Place des Nations Unies. Casablanca
External auditors	Price Waterhouse Coopers / Ernst & Young
Date of creation	01/01/1964
Date of IPO	28/02/1972
Length of fiscal year	12
Social object	All types of banking. discount. loan. credit and representation activity; any subscription or issue; in general all activities. without exception. of a financial. commercial or industrial nature or related to property or real estate.

	2023	2022	2021
Consolidated accounts	Yes	Yes	Yes
Share capital	1 327 928 600,00	1 327 928 600,00	1 327 928 600,00
Equity	7 217 709 000,00	7 278 300 000,00	7 254 555 000,00
Number of titles(2)	13 279 286	13 279 286	13 279 286
Sales figures	3 437 749 000,00	3 054 229 000,00	3 043 867 000,00
Operating result	613 822 000,00	420 321 000,00	338 481 000,00
Net income (4)	171 224 000,00	228 615 000,00	194 109 000,00

Ratios	2023	2022	2021
BPA	12,89	17,22	14,62
ROE (in %)	2,37	3,14	2,68
Payout (in %)	139,60	104,55	68,41
Dividend yield (in %)	3,33	5,08	1,55
PER	41,88	20,59	44,26
PBR	0,99	0,65	1,18

Financial operation

Capital increase

Date	Capital after operation	Type of operation	Securities variation	Nominal value	Nominal value	Effective date	Fiscal period	EGM decision	Ratification authority
15/08/2014	1 327 928 600,00	Contribution in kind	443	100,00	784,00	01/01/2014	Nx:De 06/08/2014 To 06/08/2014	17/03/2014	30/06/2014
24/07/2009	-	Conversion of dividends	442 925	100,00	720,00	01/07/2009	Nx:De 08/06/2009 To 06/07/2009	26/05/2009	17/07/2009
06/01/2009	-	Subscription in cash with preferential right	2 139 319	100,00	701,15	01/10/2008	Nx:De 28/11/2008 To 24/12/2008	28/05/2008	31/12/2008
11/08/2008	-	Conversion of dividends	145 248	100,00	1 000,00	01/01/2008	Nx:De 09/06/2008 To 09/07/2008	28/05/2008	25/07/2008
16/01/2008	-	Conversion of bonds into shares	202 149	100,00	420,00	01/01/2007	Nx:De 10/04/2007 To 31/08/2007	30/07/1999	12/12/2007
12/07/2007	-	Conversion of dividends	346 451	100,00	1 000,00	01/07/2007	Nx:De 21/05/2007 To 21/06/2007	07/05/2007	26/06/2007
18/05/2007	-	Conversion of bonds into shares	32	100,00	438,00	01/01/2006	Nx:De 17/10/2006 To 17/10/2006	30/07/1999	11/04/2007
28/12/2006	-	Conversion of bonds into shares	10 716	100,00	438,00	01/01/2006	Nx:De 28/12/2006 To 28/12/2006	30/07/1999	13/09/2006
06/06/2006	-	Incorporation of reserves and allotment of free shares	1 657 595	100,00	-	01/01/2006	-	26/05/2006	26/05/2006
02/06/2006	-	Conversion of bonds into shares	1 986	100,00	437,00	01/01/2005	Nx:De 02/06/2006 To 02/06/2006	01/09/2004	26/05/2006
02/06/2006	-	Conversion of bonds into shares	46 429	100,00	437,00	01/01/2006	Nx:De 06/06/2006 To 06/06/2006	01/09/2004	26/05/2006
31/12/2004	-	Conversion of bonds into shares	534 259	100,00	538,00	01/01/2004	Nx:De 31/12/2004 To 31/12/2004	30/07/1999	23/12/2004
10/12/2002	-	Conversion of dividends	122 093	100,00	464,00	01/07/2002	Nx:De 17/06/2002 To 15/07/2002	27/05/2002	23/09/2002
20/11/2001	-	Contribution in kind	3 645	100,00	462,20	01/01/2001	Nx:De 02/11/2001 To 02/11/2001	13/09/2001	02/11/2001
05/10/2001	-	Conversion of dividends	200 996	100,00	459,00	01/07/2001	Nx:De 15/06/2001 To 13/07/2001	30/05/2001	13/09/2001
07/08/1997	-	Subscription in cash with preferential right	1 237 500	100,00	220,00	01/08/1997	Nx:De 14/07/1997 To 28/07/1997	05/06/1997	31/07/1997
29/05/1996	-	Incorporation of reserves and allotment of free shares	1 031 250	100,00	-	01/07/1996	-	24/05/1996	24/05/1996
17/10/1994	-	Incorporation of reserves and allotment of free shares	550 000	100,00	-	01/01/1995	-	21/06/1994	21/06/1994
17/10/1994	-	Subscription in cash with preferential right	2 406 250	100,00	200,00	01/09/1994	Nx:De 08/07/1994 To 22/07/1994	21/06/1994	29/07/1994
19/03/1992	-	Subscription in cash with preferential right	700 000	100,00	200,00	01/01/1992	Nx:De 21/01/1992 To 10/02/1992	09/12/1991	20/02/1992

Dividend

Year	Dividend amount	Dividend type	Ex-date	Payment date
2023	18,00	Ordinary	17/07/2024	26/07/2024
2022	18,00	Ordinary	13/07/2023	27/07/2023
2021	10,00	Ordinary	15/06/2022	24/06/2022
2020	43,00	Ordinary	20/05/2021	31/05/2021
2018	30,00	Ordinary	20/05/2019	29/05/2019
2017	30,00	Ordinary	06/07/2018	17/07/2018
2017	67,00	Exceptional	06/07/2018	17/07/2018
2016	50,00	Ordinary	09/05/2017	18/05/2017
2015	30,00	Ordinary	13/06/2016	22/06/2016
2014	30,00	Ordinary	11/06/2015	22/06/2015
2013	30,00	Ordinary	26/05/2014	04/06/2014
2012	30,00	Ordinary	24/05/2013	04/06/2013
2011	25,00	Ordinary	23/05/2012	01/06/2012

Bond issue

Ticker	Name or title	Bond type	nominal value	Rate	Eligibility date	Maturity date	Type of amortization	Amount issued	Remaining Capital
OBCIA	22NOV2012 6.04% 10A 100K BCI	Subordinated bonds	100 000,00	-	22/11/2012	22/11/2022	In fine	255 000 000,00	255 000,00

Threshold crossing

Date	Declarant	Quantity	Price	Treshold crossed in %	Direction	Intention of the declarant
02/10/2020	ATLANTA	451 542	521,00	5,00	Rise	Continu its purchases of the security
17/07/2009	BNP PARIBAS IRB PARTICIPATIONS	363 358	720,00	66,66	Rise	-
06/01/2009	AXA ASSURANCES MAROC	14 123	701,15	10,00	Decrease	-
31/08/2007	AXA ASSURANCES MAROC	189 925	438,00	10,00	Rise	-
26/12/2005	ATLANTA	245 162	775,00	5,00	Decrease	-
12/02/2004	AXA ASSURANCES MAROC	775 173	585,00	10,00	Decrease	-