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Monday, January 13, 2025

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AFRIC INDUSTRIES SA

ALLIANCES DEVELOPPEMENT IMMOBILIER SA

ALUMINIUM DU MAROC

ATTIJARIWAFA BANK

BANQUE CENTRALE POPULAIRE

BANQUE MAROCAINE POUR LE COMMERCE ET L'INDUSTRIE

CIMENTS DU MAROC

COMPAGNIE DE TRANSPORT AU MAROC

COMPAGNIE MINIERE DE TOUISSIT

CREDIT IMMOBILIER ET HOTELIER

DELATTRE LEVIVIER

DISTY TECHNOLOGIES

DOUJA PROMOTION GROUPE ADDOHA SA

ENNAKL AUTOMOBILES

FENIE BROSSETTE

HIGHTECH PAYMENT SYSTEMS

IB MAROC.COM SA

IMMORENTE INVEST

ITISSALAT AL-MAGHRIB

JET CONTRACTORS

LAFARGEHOLCIM MAROC

LESIEUR CRISTAL

MAGHREB OXYGENE

RESIDENCES DAR SAADA

SOCIETE LES EAUX MINERALES D'OULMES

SOCIETE D'EXPLOITATION DES PORTS - MARSA MAROC

SOCIETE DE PROMOTION PHARMACEUTIQUE DU MAGHREB S.A.

SOCIETE DE REALISATIONS MECANIQUES

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SOCIETE DES BOISSONS DU MAROC

SOCIETE MAGHREBINE DE MONETIQUE

SOCIETE METALLURGIQUE D'IMITER

SOCIETE NATIONALE D ELECTROLYSE ET DE PETROCHIMIE

SOCIETE NATIONALE DE SIDERURGIE SA

STOKVIS NORD AFRIQUE

STROC INDUSTRIE

TOTALENERGIES MARKETING MAROC

TRAVAUX GENERAUX DE CONSTRUCTION DE CASABLANCA

CDM

Management Shareholding Financial operation Threshold crossing Issuer's publications

Management

Chairman of The Managing Board

BENKIRANE Ali

Chairman of the Supervisory Board

BENSALAH Mohamed Hassan

Financial Manager

Hanane LAALA

Main shareholders

11/11/2024

Holmarcom Finance Company	54,61 %
DIVERS ACTIONNAIRES	21,84 %
ATLANTASANAD	12,82 %
WAFA ASSURANCE	10,74 %
Total	100,00 %

Key indicators

Company information

Company name	CDM
Corporate address	48-58 Boulevard Mohamed V. Casablanca
External auditors	Mazars et PwC
Date of creation	08/02/1963
Date of IPO	03/05/1976
Length of fiscal year	12
Social object	Commercial banking activities and particularly any financial. commercial. property-related activity for its own account. for third parties or by participation in Morocco or overseas.

Key figures (1)

	2023	2022	2021
Consolidated accounts	Yes	Yes	Yes
Share capital	1 088 121 400,00	1 088 121 400,00	1 088 121 400,00
Equity	7 079 907 000,00	6 359 463 000,00	6 303 988 000,00
Number of titles(2)	10 881 214	10 881 214	10 881 214
Sales figures	2 926 916 000,00	2 568 680 000,00	2 459 947 000,00
Operating result	882 732 000,00	758 628 000,00	1 061 488 000,00
Net income (4)	503 089 000,00	404 290 000,00	627 392 000,00

At the end of the financial year.

All lines of action combined.

(3) Equity of the consolidated group for companies publishing consolidated accounts

Net income Group share for companies publishing consolidated accounts.

Ratio

Ratios	2023	2022	2021
BPA	46,23	37,15	57,66
ROE (in %)	7,11	6,36	9,95
Payout (in %)	73,97	72,67	44,92
Dividend yield (in %)	4,29	4,50	4,32
PER	17,24	16,15	10,41
PBR	1,22	1,03	1,04

Investor Relations - Contacts

Contacts

Mouna BENRHANEM

E-mail

mouna.benrhanem@cdm.ma

Phone

(212) 0522 47 71 33

Fax

(212) 0522 27 71 27

Corporate Website

www.creditdumaroc.com

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
02/10/2015	1 088 121 400,00	Conversion of dividends	202 220	100,00	493,00	01/01/2015	Nx:De 17/08/2015 To 16/09/2015	22/04/2015	23/09/2015
03/10/2014	1 067 899 400,00	Conversion of dividends	320 512	100,00	525,00	01/01/2014	Nx:De 19/08/2014 To 18/09/2014	22/04/2014	26/09/2014
20/11/2013	1 035 848 200,00	Subscription in cash with preferential right	715 030	100,00	550,00	01/01/2013	Nx:De 01/10/2013 To 31/10/2013	25/07/2013	12/11/2013
07/08/2013	964 345 200,00	Conversion of dividends	419 536	100,00	525,00	01/01/2013	Nx:De 27/06/2013 To 24/07/2013	15/05/2013	02/08/2013
27/08/2012	922 391 600,00	Conversion of dividends	320 113	100,00	699,00	01/01/2012	Nx:De 09/07/2012 To 06/08/2012	04/05/2012	13/08/2012
08/09/2011	890 380 300,00	Conversion of dividends	250 988	100,00	810,00	01/01/2011	Nx:De 25/07/2011 To 19/08/2011	20/05/2011	29/08/2011
05/08/2010	865 281 500,00	Conversion of dividends	314 639	100,00	703,00	01/01/2010	Nx:De 05/08/2010 To 05/08/2010	05/08/2010	05/08/2010
14/07/1993	-	Incorporation of reserves and allotment of free shares	1 042 272	100,00	-	01/07/1993	-	12/05/1993	12/05/1993
14/07/1993	-	Subscription in cash with preferential right	2 084 544	100,00	150,00	01/07/1993	Nx:De 26/05/1993 To 18/06/1993	12/05/1993	25/06/1993

Dividend

Year	Dividend amount	Dividend type	Ex-date	Payment date
2023	34,20	Ordinary	09/07/2024	18/07/2024
2022	27,00	Ordinary	13/07/2023	27/07/2023
2021	25,90	Ordinary	19/07/2022	28/07/2022
2020	4,55	Ordinary	29/06/2021	08/07/2021
2019	18,70	Ordinary	10/06/2020	19/06/2020
2018	8,00	Ordinary	12/06/2019	21/06/2019
2017	7,00	Ordinary	12/06/2018	22/06/2018
2016	10,00	Ordinary	13/06/2017	22/06/2017
2015	8,00	Ordinary	14/06/2016	23/06/2016
2014	22,00	Ordinary	11/08/2015	30/09/2015
2013	27,00	Ordinary	13/08/2014	26/09/2014
2012	32,00	Ordinary	24/06/2013	27/09/2013
2011	32,00	Ordinary	04/07/2012	14/09/2012

Bond issue

Ticker	Name or title	Bond type	nominal value	Rate	Eligibility date	Maturity date	Type of amortization	Amount issued	Remaining Capital
OCDMD	17DEC2018 4.05% 10A 100K CDM	Subordinated bonds	100 000,00	4,05 %	17/12/2018	17/12/2028	In fine	197 500 000,00	197 500,00
OCDMC	21DEC2016 3.93% 10A 100K CDM	Subordinated bonds	100 000,00	3,93 %	21/12/2016	21/12/2026	In fine	55 000 000,00	55 000,00
OCDMB	29MAR2011 5.02% 10A 100K CDM	Subordinated bonds	100 000,00	5,02 %	29/03/2011	29/03/2021	In fine	93 100 000,00	93 100,00

Threshold crossing

Date	Declarant	Quantity	Price	Treshold crossed in %	Direction	Intention of the declarant
07/06/2024	Holmarcom Finance Company	1 632 182	587,00	66,66	Rise	Stop its purchases of the security
07/06/2024	Crédit Agricole S.A.	1 632 182	587,00	5,00	Decrease	-
06/12/2022	Holmarcom Finance Company	5 538 538	545,20	50,00	Rise	Continu its purchases of the security
06/12/2022	ATLANTASANAD	1 392 744	545,20	10,00	Rise	Stop its purchases of the security
06/12/2022	CREDIT AGRICOLE S.A	6 931 282	545,20	20,00	Decrease	-
17/12/2009	CREDIT AGRICOLE S.A	2 002 456	816,32	66,66	Rise	Continu its purchases of the security
17/12/2009	WAFA ASSURANCE	2 002 456	816,32	20,00	Decrease	-
06/10/2005	CREDIT AGRICOLE S.A	4 389 555	286,00	50,00	Rise	Stop its purchases of the security
06/10/2005	CALYON GLOBAL BANKING	4 389 555	286,00	5,00	Decrease	-
11/08/2005	WAFA ASSURANCE	861 991	435,00	33,33	Rise	Continu its purchases of the security
11/08/2005	ATTIJARIWAFA BANK	861 991	435,00	5,00	Decrease	-

Issuer's latest publications

Download document

CDM

2024-11-28

CDM - CP relatif aux indicateurs du 3ème trimestre 2024

Download document

CDM

2024-11-14

Crédit du Maroc - CP relatif aux résultats de l’offre de vente au public des titres de Crédit du Maroc par Holmarcom Finance Company

Download document

CDM

2024-11-13

Crédit du Maroc : CP relatif aux résultats de l’offre de vente au public des titres de Crédit du Maroc par Holmarcom Finance Company

The instruments of the issuer

Ticker	Instrument
CDM	CDM
OCDMC	21DEC2016 3.93% 10A 100K CDM
OCDMD	17DEC2018 4.05% 10A 100K CDM